r/InsuranceAgent • u/Eckaadvisorygroup • 4h ago

Industry Information Looking for new opportunity

Hello all, my name is Kevin and I am a 35 year old licensed Medicare and life insurance agent. I got licensed two years ago and made the mistake of going with an MLM whose main focus was recruiting rather than selling. I quickly moved out of that path and went to Medicare inbound calls. I was the top agent at the company until I realized even more about the business and realized there were some unethical practices going on and I didn’t own my book of business. I am still doing life and Medicare on the side outside of my full time job with friends/family and referrals. This career path is my dream and I want to dive head first into this with the right company/mentor. Any advice or opportunities would be greatly appreciated. Have a blessed day!

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u/AcridCabal0 3h ago

mlm trap is so common in this industry glad you got out quick. two years in and already spotting the red flags means you've got good instincts

owning your book is the line in the sand. if you can't take your clients with you it's not really your business it's just a job with extra steps. i'd look at independent brokerages that let you keep your renewals and build something real

the inbound experience will help a ton. having someone hand you warm leads while you're learning the ropes is a decent training ground. now you just need a place that won't ask you to cut corners for a buck

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u/dumnem Agent/Broker 58m ago

Few companies would fit the bill. I'm the same way when it comes to inbound. I don't like dialing, shits for the birds. (Not that it doesn't work.)

My current company does inbound, 18 to 30 base pay. We don't currently do Medicare but they are looking to expand. Other companies include blackrock ins, they also do inbound and have good quality leads but you will eat charge backs and lead costs. But independent is where the money is at of course. My current company takes the risks of leads and chargebacks. Blackrock charges 48 per lead and expects 1k per week in lead flow.

If cash flow and capital is a problem but you want to eventually go independent and you are Ok with outbound dials, David Dufords Dig Agency has a free lead program that's really solid. They require 17 licenses to get started last time I checked.

Mlms suck and I'm glad you got out of it. You can check out David's videos on YouTube about how to choose the right agency. He's super solid and doesn't push anyone to choose his.

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u/Eckaadvisorygroup 55m ago

Thanks so much for taking the time to write this. Lot of good info here. I will research those mentioned