New Agent in a Small Community

Small Town ND

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Sanford Health

I have been working as a P&C/L&H Insurance Agent for almost 2 months now. I have been working in this town for about 5 months and and just moved here a couple weeks ago. It is a fairly old community with the main competitor soon to retire. How many policies should I be selling? And, how much will the small community effect my sales?

Oh, I know he has a replacement. He has been selling with him for a couple years now. From what I hear around the town is that he rubs a lot of people the wrong way... and when the older agent retires, my insurance agency will be bombarded with business.

I was an intern at the bank, the only one in town, this past summer and as far as I know the town loves me. So the main thing that I am trying is to be infront of people and have them know who I am and what I do.

There is a lot of money in Farming around here... but I have to wait to meet them until after harvest.

How does that sounds and do you have any advice for me?

So am I starting out as an Agent and I am trying to concentrate in Group & Individual Health and Life. Where can I find out what "Actually" is going on with health care, especially in Minnesota and North Dakota? And How will it effect myself, as an agent, and my clients?

I have been trying to read up on it, but there is so much information out there and I am starting to have a hard time to determine what is actually going to happen versus someones opinion.

Can someone give me actuall answers?

In North Dakota, Blue Cross Blue Shield has a near monopoly, insuring around 80-90% of the state. But with the addtion of Sanford Health into North Dakota and Minnesota and its vast expansion. It could be a major player in Health Insurance.

Does anyone know how they fair as far as their rates go? Especially their Group Health product?

Sanford is a Hospital based out of Sioux Falls, SD. I know they have ties with southwest MN, I don't know about the rest of the state. But I know they are expanding/buying out a lot of hospitals, especially in ND.

They also provide their own insurance: medicare supplements, individual, and group. Which is why I am so interested in Sanford. Hopefully they can Match and Beat Blue Cross Blue Shield!

Sanford Health is a Hospital that has their own Insurance Department. They are based out of Sioux Falls, SD and are expanding/buying out in MN and ND, especially in ND. I don't know if they are in your region, Full Throtle, but I know they have ties already in SouthWest MN.

Sanford Health is a Hospital based out of Sioux Falls, SD. They also provide their own health insurance products: medicare supps, individual, and group.

They are expanding heavily into MN and ND, especially in ND.

In North Dakota, Blue Cross Blue Shield has a near monopoly, insuring around 90% of the state. But with the addtion of Sanford Health into North Dakota and Minnesota and its vast expansion, especially in ND. It could be a major player in Health Insurance.

Does anyone know how they fair as far as their rates go? Individual? Especially their Group Health product?
 
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I have been working as a P&C/L&H Insurance Agent for almost 2 months now. I have been working in this town for about 5 months and and just moved here a couple weeks ago. It is a fairly old community with the main competitor soon to retire. How many policies should I be selling? And, how much will the small community effect my sales?

What do you want to bet he has an exit strategy in place that may include the sale of his Agency to another agent so don't be expecting your competition to disappear.
 
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