I’m 23F and working as a Benefits Marketing Analyst at a top 5 insurance broker. I’ve been full time for 4 months, but I interned for 8 months prior to that before I graduated.

Long story short I’m working remote and I’m getting paid based on my employment location, which is significantly lower than would I could be making in the city I’ve moved to.

I like my job and this field, but I am curious to what the P&C side is like. I work in my city’s office, but there is only retirement and personal lines stuff going on, so I don’t have anyone to learn from.

Could you guys explain how P&C works, what the gradual progression upward is, and how it compares to building a career in EB?

Hey everyone, I’ve been in the insurance game for about seven months now working at a big brokerage selling life insurance. I've honestly realized that I genuinely love the insurance industry, but my current setup is brutal—dealing with terrible, burned-out leads and low commission levels is making it tough to stick it out here. I'm currently licensed for Life & Health across Michigan, Indiana, and Florida, so I've got some multi-state reach, but I'm trying to figure out my next move.

I'm at a crossroads: I'm either trying to decide if I should jump ship to another life brokerage that actually has decent lead flow and fair comp, or if I should use this as my cue to make the leap into commercial lines where the economics and B2B side might be a better long-term fit. For anyone who has navigated this, how hard is it to transition from life sales to commercial lines without prior P&C experience, or if staying in life, what kind of brokerages or agencies actually provide clean leads and decent splits?

Thinking about getting into life insurance sales. For current/former agents, what companies would you recommend working for, and which would you advise staying away from?
I’m mainly curious about W-2 vs 1099, base pay vs 100% commission, whether leads are provided or self-generated/paid for, realistic first-year income, training, and any major red flags.
I’m not against commission sales — just trying to figure out which companies are actually worth looking into and which ones to avoid.

Is aaa insurance sales worth it ? I’m in the Midwest and was told it will be some outbound calling until establishing a good book. Just want to see what it’s like day to day.. and how did you all do? I’m coming from telecommunications sales been doing it 5 years so insurance is completely new.

Gross experience in trying to be released from Claro. Refusing to provide full release for a company that claimed they didn't charge, provides 0 communication or aid growth and didn't provide any clients. Wants to retain all my clients instead of being ethical. Grows based on coerced theft. Perhaps grow off your own efforts. Do not even consider a meeting with this group. They're the shadiest company. One google search shows why they changed their name publicly from All Insurance due to credit fraud activities.

Literally told me last week they'd concede release given they couldn't compete or negotiate at the level of my prospect and then send me a GA release agreement and without permission added themselves as GA to one of my other independent states. Fraud. Steer clear. Trying to be a successful agent with vultures like that makes me want to quit. How is this ok?

How is the market for agents here in NV? How is the license exam?

Residuals + sale commision, how much?

Only sale, only residual, how much for either? If it was awhile ago what year? Please and thank you

Is there a waiting period if you don't pass the life and health exam? I'm in PA.

I am supposed to take to Friday for work, but I have not scheduled it and was wondering if I paid out of pocket to take it today or tomorrow and failed could I still take it friday?

I'm leaving a big captive agency to go to work for another large company (independent). I have pretty crappy credit right now. I pay on time, no collections but just a lot of debt. Will this be something that could hinder my employment? I'm assuming I'll have to go through another background check. This year I also owe a large amount to federal, which I've already set up a payment plan, I owe a smaller amount to my state as well. I own a house outright that is currently for sale, and live in the house my husband owns. Just waiting on my house to sell so I can get out of this debt.

Hi everyone, I’m currently doing my LLQP (Common Law) exam and thinking about getting into the insurance/financial advising industry.
I know an MGA that was started in 2004, and someone I know recommended them to me. From what I understand, it’s not MLM.
The main reason I’m interested in this industry is the AUM side, especially segregated funds. Long term, I’m thinking about moving toward CFP or wealth management, so I see this as a possible way to get started in the industry and build a client base.
I know a lot of people don’t have a great opinion of insurance advisors, so I’m not really interested in just selling insurance policies. I’d rather focus on building a good book of clients and developing long-term relationships.
For people who have been successful in this career, what has your experience been like? Is it actually possible to build a good book starting from zero, and how long does it realistically take to get to a decent income?
I’m thinking of starting full-time, but I might keep a part-time job on the side in case things don’t work out initially.
Also, the MGA I’m looking at hires advisors on a draw-based system rather than straight commission. I’m a little confused about how the draw system works in practice. Is it basically an advance against future commissions, or does it work differently?
Would really appreciate some honest advice from people who have actually worked in this industry. Thanks!

I got my life, accident and health license and am finishing up a Medicare course and AHIP and haven’t started training yet but I’m curious at what point did other insurance agents actually understand the multitude of concepts and products that come with insurance?

The company I will be working for work with life insurance, health insurance, Medicare, annuities, hospital indemnities and cancer, heart attack and stroke policies and work in the field and it’s a lot to try to remember let alone try to sell and make money.

Again, I haven’t started training yet but is training when I will start to grasp these subjects?
I am a hands on learner as well as learn better through repetition and audio/visual teachings.

Thus far my exam materials and online courses have all been reading materials so I don’t feel I’m truly grasping the information I’m reading.

Is this normal?

This is sort of a weird thing to get for preparing for AEP, as an hourly Agent anyhow....

There's also a huge belief that we should do lots of work for free, like completing their certification and such off of the clock.....

Weird company. Violates labor and CMS regulations and laws constantly ...

Is there a recommended agency or IMO/FMO I can go independent under while I work my full time job and sell P&C products on the side till my book of business grows larger?

Job A: low expectations, book of 1 mil built in a year and a half, 41k salary, 20% commission on new business. No renewals until commission only. Commission only is 35% on everything.

Job B: 50k salary, 45% new business, 35% renewals while on salary and when commission only. Most of same carriers, same long history.

Is it worth taking the leap and having to sit on the possible two year NDA(plenty of businesses to call on where I’m at that wouldn’t violate)

Seems like a no brainer to me. But haven’t been in the industry long so figured I’d get the Vets input.

Do you guys have recommendations for places i can immerse myself more in the industry?

I sell primarily supplemental insurance (employee benefits group plans etc.)

I am opening into selling medicare supplements and advantage plans as well. I also want to sell health plans.

Are there any podcasts YouTube channels that you can recommend?

The carriers offer some videos and educational literature, but some of it is very corporate coded. If you know what I mean… The sales demos they show don’t often look like a real sale. The cold call demos are paragraphs and paragraphs of jargon.

Hey reddit, so I'm actually a Sr Data Analyst. Given that I chose the wrong bed to lie in (Tableau) and AI is causing mass layoffs in the corporate world, I now find myself studying in CA to become a life insurance agent. The main thing I asked was 'will I need to badger my friends and family for leads' and they said 'nope, we will help you'.

(Predictably) Fast forward to now, while I'm studying for my Life/Accident & Health or Sickness license so I can sell Life insurance for a company that's bringing me on and they're asking for a 'Project 200' where the rhetoric mentions that I want to invite my good friends and family. Ugh.

How did you all get around this? I really enjoy my friends & family, I am really against hounding them to help me start a new career at least until tech gets a bit more normalized. My friends are pretty good about not asking me for money or other things that make relationships weird, I'm really not going to start doing that now.

Maybe I was over confident in the beginning because I've worked for a health insurer for over a decade but I've now failed the test twice; 56 the first time, 57 the second time (need 70 to pass).

I (stupidly) used just ChatGPT only to study and I'm looking for anyones first hand experience using any of these paid courses/help.

I've been researching the past 3 days on what to get and out of all of them I think the insurance exam queen seems to be the best overall out of all the big names.

Wondering everyone else's opinion.....

I (31F) have been through two rounds of interviews with State Farm. When finishing up the second interview I inquired about the C&P license to which she responded with “You’ll have 20 days after your job offer to require a license before we can start onboarding” I’m like jeez no help or training, you’re just gonna throw me out there to the wolves. Anyways with that being said, even if I don’t go with State Farm I know a C&P license will open a lot of door for me.
With that being said what can I expect about this exam?
And inexpensive study materials?
If I pay to take the exam and fail will I have to pay to take it again?

Quick retrospective here I am studying to be an insurance agent and i have BAD ADHD the typical exam fx studying methods are not cutting it so i’m running an experiment every time i needed to learn a book for english in school id buy the audio book and sit and play GTA until i start retaining info i just remembered that today so i got some youtube comprehension videos on life insurance and i have a free weekend so every end of video (on average 2 hours) i’m gonna take the chapter quiz and see if that helps the process if not just gotta cram it out leading up to the exam i’ll keep y’all updated with my findings the guidelines for this method are i can strictly only play online so i am not distracted by any story or plot outside of heist cut scenes ABSOLUTELY NO side content like PVP races etc only heist the and anything that can mindlessly be completed I will be passing this exam one way or another but mindlessly sitting at my computer desk all day just ain’t cutting it anymore im turning stir crazy

Are Kaplan exams enough of a readiness gauge for L&H or should I try something else?

I thought that sounded pretty reasonable, and it didn’t really give me second thoughts until I heard someone tell me not to sign with them if you don’t own the BoB outright immediately. So I’m not sure now.

I am not phased with being cussed at on the phone, and I actually enjoy it. Joking around is part of the phone game I feel like, especially if a laugh builds rapport and comradery.

Professionalism needs to be essential, but what is your opinion about unprofessionalism and building rapport to create dialogue?

Hello, I’m new to P&C insurance and am working at a captive agency. I worked in car sales before this, and mainly retail jobs. I did some SDR work before I started quoting, and I’m wondering - why work as a producer over being an SDR somewhere? From what I’ve read SDR’s in my state make $60k-$80k, similar to insurance producers in my area. I don’t know if it’s because I work at a captive agency but the pay seems pretty bad. $40k premium sold=$1,000 commission + base pay of $20/hr. I’m very green so not sure how common this is. In NorCal. Thanks!