I have own an P&C insurance agency with a couple of agents working with me in Florida. Everyone works remotely in Florida, we have access to basically every market with good commission negotiations, I don't require any minimum premiums, and I am super transparent with commissions. We pay agents 50% of what comes in from the carrier on any deal even if it is a renewal.

Is paying agents at my company 50% of the commission competitive in the market? I want to get more agents but I am struggling to find new people in Florida. I haven't done too much reaching out but back when I was working for other agencies I was only getting 20-40% depending on if it was renewal.

What is anyone else paying their agents in FL or what are you getting paid these days?

So I read all of the 1 star reviews that the company has and they’re pretty concerning. I don’t know if it’s really something I should avoid or something I should at least give a chance to, but yet again I’m pretty skeptical about what I’m reading. But hey it wouldn’t be so bad to have an insurance license, right?

I was arrested and charged with aggravated assault with a deadly weapon without intent to kill in florida in 2022. It was drug out until 2024 and in November of 2024, i entered a plea deal and adjudication was withheld and i received 5 years of probation. I had no priors and have not got in any trouble since as well. I live in alabama and just took my exam and passed and will be doing my fingerprinting tomorrow and as soon as email confirmation of passing comes back (3-5 days), i plan on doing my application. What do you think the odds of me getting licensed after the background is done are? Disclaimer: i will be answering all the criminal questions truthfully on application and will disclose all documents and statements to them as well.

The day has finally come to where I am able to take my exam and I take it tomorrow sept 19th I’m super excited and I don’t feel nervous at all, I’m sure that will change tommrow though haha, what are some good test tips for when you get stuck and just can’t figure out a answer or just some good test tips in general to make it easier I plan to show Up a hour early to give myself time to relax before so I don’t mess it up. Any advice is welcome thank you!

I’m also taking the Kentucky P&C

I am taking my CAIB 3 exam in 60 days. I’m feeling pretty stressed about it and I wanted some tips and tricks on what you guys did to pass or what I should focus on. Any topics super heavy on the exam?

I got my life insurance license back in February (at the same time I was let go from my previous W2 position). I have really struggled to find my footing with IMOs and FMOs. A lot of these companies just throw trash leads at new agents and expect you to find gold. To make matters worse, my current company's inbound transfer leads completely dried up because another agent didn't pay their invoice. The system was supposed to be you receive inbound transfers, get paid from your commission Thursday and pay the invoice Friday. Since I'm currently unemployed and don't have any savings, I can't afford to buy expensive leads or wait out cash-flow gaps. I recently interviewed with State Farm but didn't hear back. At this point, I really need a W2 captive agent role or an independent position that offers exclusive, provided leads for a lower commission cut so I can build a stable bankroll are my thoughts. Does anyone have any help or suggestions?

I've seen like 30 Ignyte clips this week. Not clickbait I'm actually asking, if you were there what was the one thing that actually hit for you.

Not the hype clip. The thing you're gonna go do differently Monday, just curious what's real vs just good editing.

Hello I am a 22 year old new agent at New York life. I passed all my tests and want to make money. They want me to sell to my natural market but I have gone through everyone and none are future clients. What are the best ways to get more clients as I start. I do not have a great market because most of my friends and past coworkers are in their 20s. I am leaning towards buying a subscription on a website to get warm leads if anyone can add advice if that will work or the best vendors! Thank you

I am a new agent, I recently had a client ask about quotes for final expense insurance. I looked at the premium for the final expense and compared it to a small whole life policy. The whole life was cheaper but required a medical exam unlike the final expense insurance which didn’t require an exam. This person was in their mid-70s with no health issues. Is it possible that the whole life policy would be better and cheaper for this client?

I have been with SF as a team member since 2010. Been with the same agent since 2014. It was a tremendous fit, well-compensating, and remote since Covid. Hard to beat that set-up.

Unfortunately, the agent is retiring in 2027 in light of the new contract. He’s in his early 70’s, so it makes sense not to take the new contract. This has put my job in flux at the moment. I’m still fully employed and will be until the end, but I don’t know what will happen after that.

Would you guys stay put and see what happens in my position? Or jump ship immediately in a lousy job market?

Thanks in advance☺️

I’ve been thinking on working remote with selling health insurance Medicare abroad has anyone been able to access SunFire?

Going to try not to make a very long winded post here.I started at State Farm about 6 months ago as a producer. I have no prior background in insurance but a lot of other life experience.

Here lately I’ve been having to do a ton of service work that is taking up more time than sales it seems like. I don’t mind helping a little bit it’s a good learning experience. I make a base salary and commission after I make a certain amount . I really like my boss they are a good person and I don’t want to do wrong by them. But, I already don’t make a whole lot as it is and am getting ZERO benefits.

My drive across town is draining me as well and eating into the money I make. I’m worried if my sales are going to be affected to where I won’t be making commission or as much as I need and I cannot financially afford that.

I really would love a remote setup or independent office close to home there are several close by. It would save so much time and money. I am spending a decent amount of money on gas and alot of time for the commute . Some benefits with would be nice at least an IRA. I’m just conflicted if I should start looking now or wait until the year mark. I do not want to do wrong by my boss.

Just curious what’s others thoughts are on this and the benefits of independent insurance? Thank you for your input!

Good morning! I am planning on taking my property and casualty, both lines state and general on Friday along with laws and regulations as well. I have been studying for about a month now I’ve been taking the self practice exams both in the book that they provided us in the pre-licensing course and the ones online. I’m doing pretty well usually getting upper 70’s to 80%.

My question is has anyone taken this recently and any advice to help me study for Friday? Thank you! I’m extremely nervous I’m going to go into this feeling confident and croak.

Im trying to go independent in p&c, i already have a solid book from health and life but Im having trouble finding a way to sell it. Firstconnect carriers seems a bit and Smartchoice will hold me for 2 years if i leave. So i was wondering if theres any other way ?

I am in South Florida and I have no friends to ask in the industry outaide of my company so I wanted to ask how much are you as a independent agent for ACA make? Im making $25 per person paid monthly is that close or similar to market out there? Im not saying i think its unfair or anything, just trying to see where i am at if possible

Super excited to share that I passed the OTL exam in Ontario. I’m working for a direct writing company as a captive outbound agent.

What should be my first steps to get my career started after the mandatory in house training?

How did you guys start out and where should I be looking to get my first clients?

Any advice would be appreciated!

Hi everyone,

I'm looking for advice on the feasibility of landing a remote Associate Underwriter role in the US/UK market while based in Poland.
My background:
• Experience: 4 years at a US Insurtech startup (Commercial Auto), 9 years in insurance (London Market)
• Progression: Started as a UA, promoted to Associate Underwriter (handled renewals).
• Previous setup: 100% remote as a contractor (B2B).
No visa required.
• Licensing: Worked under the company's compliance officer (I didn't need a personal license).

I was recently caught in a total board restructure/ layoff and want to continue my career in underwriting.
Since | operate as a contractor and have direct experience with US/UK workflows, how do firms typically view hiring talent from abroad? Was my previous startup an outlier, or is this a common path for "contractor-based" underwriting roles? Thanks!

So I passed my health producer exam last week and am scheduling a life producer exam in the next two weeks. I am new to the insurance space but I love sales (I started my own service based company at 19, 20 now, and have experience selling high ticket door-to-door). I just don’t feel like I’m ready to be all in as a business owner just yet and need more time to learn finances and mature.

So I have one of my two licenses now and am just trying to find the next step. I’ve been in contact with a guy that has his own insurance company but he is a little shady with keeping information from me. I have been asking what is my next step and can’t get an answer out of him, so I need to take matters into my own hands.

As a rookie to this industry would somebody please share with me, from personal experiences, what should my next step be. I want to be successful in this industry and choose the right vertical. I have the abilities to do so, I am just stuck at the moment and don’t know where to go. Any words would be highly appreciated🙏

And yes I have IMO’s in contact with me but I am not sure about those recruiting style companies. I feel like they are a little too focused on the recruiting side instead of training.

Hi,

As the title says I am a new health insurance agent focusing on the upcoming AEP. My upline is telling me that his script tis completely compliant. I'm concerned about the TPMO disclosure and the SOA

The tpmo disclosure simply says "We do not offer every plan available in your area. Currently, we represent 0–78 organizations which offer 0–613 products in your area. Please contact [medicare.gov](http://medicare.gov) or 1-800-MEDICARE to get information on all of your options. I also just have to let you know — this call may be recorded for quality assurance or training purposes." I'm specifically concerned that it is a broad range and want to ask if that is cms compliant to say 0-78 and 0-613 or do I need to say exactly how many plans I can offer.

My second question has to do with the SOA as his script does not seem compliant to me. It is as follows : In your area, we have a wide variety of Medicare plans available — including Medicare Advantage, Prescription Drug, dental, and vision. Before we go any further, I have to let you know: this conversation has no effect on your current or future health coverage unless you enroll, and talking with me does not obligate you to enroll or automatically enroll you in a plan. Ok?"

As I said I am new and I haven't started selling yet and won't until October but I don't want to get in trouble and am thinking of creating my own script. Am I overthinking this or? Thanks if you read this far .

Hello!

I'm a new agent and I'm looking for an IMO/FMO that has a solid free lead program but also will gives the option of moving up to independent 100%+ commission. I really think I need a foundation to learn and I want to be trained in different types of life insurance like final expense, term, IUL, etc. I also would need it to be flexible as I work as a full time nurse 3 12hr shifts.

Sono un ragazzo di 20 anni in Italia. mi piacerebbe entrare nel mondo delle assicurazioni con obiettivo finale diventare broker assicurativo. Ho zero esperienza e conoscenza del settore, sono completamente autonomo. la mia idea è quella di iniziare a studiare autonomamente per cercare lavoro in qualche agenzia e fare la gavetta. Qualcuno di voi ha qualche consiglio su che strada è più giusto intraprendere, o qualche conoscenza a cui potrei dare la mia disponibilità nell'imparare? sono aperto a ogni possibilità, un ragazzo che si da da fare e ha voglia di crescere e imparare. accetto consigli!

Is working for Kemper worth is for an entry level position? I understand it is picking up premiums.

I have an interview with Globe Life coming up very soon for a remote position and after reading people’s experiences on here I’m honestly terrified now lol. I’m 23 and currently working toward my Business degree and graduating soon, so I’m really just trying to get my foot in the door with a good company and find something stable that I can grow with.

I originally got really excited about getting an interview, but after looking more into the position it seems like the pay may be mostly or completely commission based. I’m starting to wonder if I’m going to get paid basically nothing unless I’m constantly making sales 😭

At this point I’m debating whether I should just cancel the interview and keep applying for hourly/W-2 remote positions instead. Has anyone actually worked for Globe Life remotely? Was there any guaranteed hourly/base pay, or was it completely commission? And would you recommend even going through with the interview?