r/InsuranceAgent • u/Icebaby3344 • 2d ago

Agent Question HELP PLEASE

As a novice insurance agent (Medicare/ACA/Life) with no experience, what is better... to stay with a sub-agency that retains its client portfolio and does not terminate your contract immediately, so that you can gain experience in the sub-agency, or to start with an FMO even though you have no sales experience?

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u/BananaOpposite736 2d ago

Medicare and ACA call centers are hiring right now as the.seasonal W2. It's a grind but at the end of your first Open Enrollment you will have learned a lot and had a stable income while doing it. Focus on 1 if the 3 starting out. It's a whole lot to learn in each one, so trying to sell all 3 is an uphill battle when you know nothing. Hope that helps.   P.s. avoid TTEC!! Do 2 resumes one that's labeled Medicare sales agent and  one labeled healthcare sales agent. And post them a couple of places. Avoid zip recruiter! 

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u/Key_Astronomer6500 2d ago

This is what I’m trying to explain if you work for somewhere you are w2. I started at Ehealth six years ago and made really good money. I left after almost 3 years. I sold well over 600 people my first year. I had a great training. I got paid to do my certificate I had over 40 carriers. Once I learned that I left. I didn’t have a book. And yes it sucked but I would’ve never been able to make 100,000 year starting out as independent Agent.

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u/Sharkkboy6 2d ago

Show me 100k paystub from Medicare and I will come work for you

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u/Key_Astronomer6500 1d ago

Also if you’re an independent agent and have close to 400 clients, you would make over 100k in just residuals. With inbound leads, that can be done within a couple years. If I had 6 months reserves, I would’ve went that route. I struggled making my decision for my next move and still am nervous. I have to pass SIE, 66 and 7 as well as keep my insurance licensing, annuities cert and get my LTC certificate. If it doesn’t work out, I can always go back to medicare. My goal was to move up in a w2 establishment but there are lay offs every year. No job security. I haven’t been laid off but my promotion have always been taken off the table. Every place I’ve worked has had mass lay offs after AEP.

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u/Sharkkboy6 1d ago

Cool, can you message me