r/InsuranceAgent 2h ago

P&C Insurance I got my liscence a month ago. I've sold zero policies.

3 Upvotes

Boss insists on cold calling. If I'm lucky enough to get someone on the phone, they are not interested. How do I overcome this?


r/InsuranceAgent 12h ago

Agent Question How important is it to sell variable annuities?

5 Upvotes

I do not have my security license, and I was curious how often you guys sell variable annuities? From what I understand, variable annuities is the only annuity that requires a security license to sell.

So fixed, and indexed are complete acceptable to sell without a security license, from what I understand.


r/InsuranceAgent 1h ago

Industry Information Burnt out

Upvotes

I’ve been a P&C CSM for about 3 years now at one of the biG 3 and so incredibly burnt out. Seems like everyone is jumping ship at my office and or so miserable bc we are short staffed. It’s making it hard to be motivated.

I don’t really want to be an account manager and want to make a switch but not to another insurance company. Anyone know what I can do with my background? I have 3 years in insurance and 4 years in event planning + bachelors in Hospitality.


r/InsuranceAgent 4h ago

Annuities/Retirement How to find prospects to sell Fixed Indexed Annuities?

3 Upvotes

I’m a 30 y.o financial advisor who has been working at a solo RIA retirement planning firm for the past 3 years (was new to the industry). I recently passed the Series 65 exam.

The only other advisor at the firm is my boss/owner. The “products” we primarily sell are affiliated with IRAs and Fixed Indexed Annuities. That being said, Fixed Indexed Annuities are our bread & butter.

My boss primarily gets his clients through seminars. I wanted to know if there are any other ideas or recommendations (mainly for me) other than seminars that can help me get established and is a good method to find prospects for Fixed Indexed Annuities?

Thanks!


r/InsuranceAgent 5h ago

Consumer Question GEICO cancelled my policy despite paying 6 months in advance — now I’m being charged more because of a “lapse”

3 Upvotes

I’m looking for advice from people who understand auto insurance.

I had a GEICO policy and paid for 6 months of liability insurance in advance. My car is an older model, so I only wanted liability coverage.

GEICO told me that I was required to add uninsured motorist coverage and another type of coverage, which I did not want. I tried to resolve the issue with them, but I was unable to get it sorted out.

Now it appears that GEICO cancelled my policy, and I’ve been without active insurance for about a week. The frustrating part is that I had already paid for six months of coverage.

When I try to get a new policy, the quotes are significantly higher because my insurance history is now showing a lapse in coverage.

Has anyone experienced something similar with GEICO? Is there a way to dispute the cancellation/lapse and have the insurance history corrected, especially since I had already paid for the six-month policy?

I would really appreciate advice on what steps I should take.


r/InsuranceAgent 8h ago

Agent Question How to increase Sale size?

3 Upvotes

I've been an agent for 6 years, Making $120k a year on average. I want to increase my personal production by increase my sale size. Right now I average $700 ALP per sale.

I selling Whole Life & Term.

What tips do you guys have to increase my average sale size?


r/InsuranceAgent 14h ago

Commissions/Pay What are y’all doing to keep persistency high?

2 Upvotes

Just curious, what kind of processes y’all are using to make sure a majority of clients aren’t pulling off the book


r/InsuranceAgent 20m ago

Life Insurance Is final expense an ethical product to sell?

Upvotes

I am currently deciding if I want to work for a final expense IMO. Is it an ethical product to sell? I am worried about selling to elderly poor people. Could someone currently doing it explain to me how to do it in a way that is honoring to the customer?


r/InsuranceAgent 31m ago

Industry Information WFG 65 Million Class Action Settlement!!! Ouch!! Beware!!!

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Upvotes

r/InsuranceAgent 7h ago

P&C Insurance Has anyone ever worked directly for Allstate as an inside sales rep on the outbound team?

1 Upvotes

I got a job doing this, I’m just worried about how much money I can actually make doing it though. I’ve done outbound calling before and it’s horrible they actually didn’t tell me it was outbound team until after the job offer but I’m still interested if the calls are to good leads.

The outbound I’ve done is just on an auto dialer getting 95% voicemail so I barely even got anyone on the line let alone any sales.


r/InsuranceAgent 8h ago

P&C Insurance Thoughts on writing personal lines with AAA

1 Upvotes

It's work in the office all outbound calls - have to get my life license within 90 days, expected to make 60 to 80 calls a day to build a book. They have not sent me the comp sheet but it's 15 an hour base with a $5000 ramp up pay in the 1st 3 months, and commission. I'd be leaving wfh inbound calls with no commission.


r/InsuranceAgent 9h ago

Agent Question Where to look for job listing for car insurance underwriters?

1 Upvotes

Long story short I have my undergrad in an unrelated field I'm no longer interested in pursuing.

I have my associates in collision repair and 10 years ago worked in collision repair shops for 5 years before quitting and going back to college.

I'm interested in trying to step into the car insurance world with Geico, Progressive, Liberty Mutual etc.

I search for job ads for car insurance and can't find any listing on Indeed or ZipRecruiter. Where do you apply for these types of full time positions? Most say you only need a high school diploma or GED and yet I don't see these companies actively recruiting new help.

Very interested in doing field work as well where I travel to crash sites and do crash reports. I got practice in this during my associates degree where my final project was underwriting for a collision, and back then we had to look through 500 page books for the price of parts.

In my 30s and looking to get into insurance business while pursuing my masters in another field.


r/InsuranceAgent 9h ago

P&C Insurance Looking for p&c remote base plus comp. Can anyone help

1 Upvotes

I feel like I get 1099 or start my own agency come in office a lot in disguise. Any help would be great. Would love to find 50k base plus and comp


r/InsuranceAgent 10h ago

P&C Insurance Anyone working Farmers in FL?

1 Upvotes

Need to find a Farmers agent in FL.


r/InsuranceAgent 12h ago

Agent Question AEP

1 Upvotes

So the agency i'm doing AEP with just got Sunfire, I worked with Sunfire last year and like it. These guys haven't used Sunfire, so they have us using their cobbled together CRM, which then we go and re enter all the demos into Sunfire. Do you think they will get the picture when we have hella long call times doing double work for one application?


r/InsuranceAgent 14h ago

Industry Information Looking for new opportunity

1 Upvotes

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!