What do I do now?

TheCowboy

New Member
I'm going to as direct as possible. I'm stuck with a brokerage that takes advantage, barely pays and overworks. I only have a Health License as of right now (In the process of adding Life) with great experience with MA or MAPD but not much else. Which I'm sure is by design. I haven't seen commission in so long I forget It existed at one point, the leads are so recycled and stepped on, I almost know them by name. If you do sell, high chance you're selling someone else's business. I have exhausted every option, every resource, every line of communication, every favor and every opportunity to attempt to stay with this brokerage and make it work. For almost 3 years, I have drug myself through the mud waiting on a promised land that never comes. It's just met with a "Work harder, get more sales" in an environment that's so difficult to survive in I feel like I'm going insane. I've lost my apartment, I've lost my car, I've spent more money trying to keep this job than I ever did working it.

I've been a Top provider at any job I've ever had. I started selling insurance a month before my first AEP and was in the top 3 at the brokerage with the highest retainment to boot. The problem is, I have no idea where to go from here. As an agent, you always have a ton of people looking to hire you. Who do you pick? how do you know what to look for so it doesn't happen again? I know I need my release, But do I have to be communication with the new FMO in order to do that? I feel like I've been kept in a box and unable to grow or learn anything of the industry. I have to somehow bridge the gap between paychecks and If they don't give me a release then It's back to something else for the time being I guess.
 
Sad to hear about what you're going through but you're not stuck.

Assuming you want to stay in insurance, I'd recommend that you walk across the street and talk to Joe Ciaccio. He runs the Ciaccio Crew and he's right there in Tampa.

Joe can help you with your life license, your releases and help you with your lead problem.

Good Luck.
 
I'm going to as direct as possible. I'm stuck with a brokerage that takes advantage, barely pays and overworks. I only have a Health License as of right now (In the process of adding Life) with great experience with MA or MAPD but not much else. Which I'm sure is by design. I haven't seen commission in so long I forget It existed at one point, the leads are so recycled and stepped on, I almost know them by name. If you do sell, high chance you're selling someone else's business. I have exhausted every option, every resource, every line of communication, every favor and every opportunity to attempt to stay with this brokerage and make it work. For almost 3 years, I have drug myself through the mud waiting on a promised land that never comes. It's just met with a "Work harder, get more sales" in an environment that's so difficult to survive in I feel like I'm going insane. I've lost my apartment, I've lost my car, I've spent more money trying to keep this job than I ever did working it.

I've been a Top provider at any job I've ever had. I started selling insurance a month before my first AEP and was in the top 3 at the brokerage with the highest retainment to boot. The problem is, I have no idea where to go from here. As an agent, you always have a ton of people looking to hire you. Who do you pick? how do you know what to look for so it doesn't happen again? I know I need my release, But do I have to be communication with the new FMO in order to do that? I feel like I've been kept in a box and unable to grow or learn anything of the industry. I have to somehow bridge the gap between paychecks and If they don't give me a release then It's back to something else for the time being I guess.
Which FMO did you have this trouble with?
 
Sad to hear about what you're going through but you're not stuck.

Assuming you want to stay in insurance, I'd recommend that you walk across the street and talk to Joe Ciaccio. He runs the Ciaccio Crew and he's right there in Tampa.

Joe can help you with your life license, your releases and help you with your lead

Sad to hear about what you're going through but you're not stuck.

Assuming you want to stay in insurance, I'd recommend that you walk across the street and talk to Joe Ciaccio. He runs the Ciaccio Crew and he's right there in Tampa.

Joe can help you with your life license, your releases and help you with your lead problem.

Good Luck.
I appreciate that, and yes I'd like to stay in insurance. Only felt stuck within the confines of the FMO. I don't want to give up because I know there's more out there than what I've experienced. Thanks again!
 
Sad to hear about what you're going through but you're not stuck.

Assuming you want to stay in insurance, I'd recommend that you walk across the street and talk to Joe Ciaccio. He runs the Ciaccio Crew and he's right there in Tampa.

Joe can help you with your life license, your releases and help you with your lead problem.

Good Luck.
Why do you have a hard on for Joe Ciaccio ? Why aren't you with him ?I knew a top agent with him in 2014 . Ciaccio even did an interview with him . The dude was doing $20k a month ap and was only getting 90% and failed out after 2 yrs. Maybe Ciaccio is giving 120% now. I see he jumped on the Medicare bandwagon the last 2 yrs
 
I've been on both sides. The agency, and it's owners, are probably struggling given conditions in the marketplace. You are working hard and having your own struggles. I doubt that you will find greener pastures working for a competitor (not to mention non compete agreements). It might even be worst somewhere else. You are probably better suited by getting a second job for the time being, keep working there, and let the black cloud eventually pass (which it will) that's affecting most retail insurance agents/brokers. I say this because you still want to remain in the business. You might also want to consider working for a MGA. They are doing very well these days, and are treating their staff very well, but they do work hard. Oh, and get your P&C license so you have more options and capabilities.
 
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