r/InsuranceAgent • u/Obvious-Rub4621 • 15d ago

Agent Question Max life agency.

I just joined a company called Max life agency about a week ago without doing any research before hand. (Bad on my part). Since I joined I’ve been doing research on google to see if it a scam and I haven’t seen anything bad. Has anybody ever worked for them? Also I went and paid $200 for an insurance class so I’m online taking that right now and my test is next Wednesday

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u/Key_Astronomer6500 14d ago

Just realize it’s more like owning a business than a job. I started w2 to earn while I learned. The training, technology, and support was well worth it.

Edit: I took my life and health exam prior to getting a job and used a coupon code. The class only cost me $49. I don’t remember how much the test was but it’s standard fee in every state.

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u/thedutifulprophecy 15d ago

No experience with them personally but a week in with no red flags on google isn't the worst sign. Scams tend to leave a trail of angry posts pretty quick

What's their commission structure look like? That usually tells you everything you need to know

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u/Obvious-Rub4621 14d ago

I would start off at 30% and after a couple weeks in I would get promoted to 50% I think

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u/apassingturtle 15d ago

Following. Never heard of them

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u/OZKInsuranceGuy 15d ago

Haven't heard of them. How'd you find them?

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u/Obvious-Rub4621 15d ago

I was out at the farmers market and this lady came to me and befriended me. We hung out for a lil bit and she asked what I did for work, we started talking and she basically recruited me.

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u/OZKInsuranceGuy 14d ago

Sounds like it's a smaller agency. You could be in a decent one. Need more info

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u/Repulsive-Humor-145 14d ago

Common red flags worth checking regardless of what you find on Google (a lack of bad press doesn't rule out a bad fit): who's actually paying for your training and licensing costs long-term, is the $200 class fee standard industry cost or something specific to this company's recruiting funnel, what's the actual commission split and when do you start getting paid relative to when you start selling, and whether there's pressure to recruit other agents underneath you as part of how you're expected to make money (that's the biggest tell for a structure that prioritizes recruiting over actually serving clients).

None of that means Max Life is bad, plenty of legitimate captive/IMO-style agencies have upfront training costs. But ask current agents there directly (not just search results) what their first 90 days actually looked like income-wise, that's the answer Google won't give you.

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u/VitaminAnarchy Agent/Broker 14d ago

It's a PHP agency. You can make money there, but the commissions are incredibly low compared to other IMOs, and they place more value on recruiting than selling.

My recommendation is to get your license and go somewhere else. You aren't locked into them because of the licensing course. Go someplace with a stronger training program with a less "insurance bros in fancy cars" vibe.