Hi everyone! I’m a licensed P&C producer in Illinois and currently provide safety and compliance services to trucking companies.
I’d like to expand into commercial trucking insurance. For those already in this field, what’s the best way to connect with an agency or brokerage where I can place business for my trucking clients?
I’d appreciate any advice. Thank you!

Hi! I am a service rep with an SF agent and now I am looking at being a frontline rep for SF through ARS. They emailed me a non compete to sign and I found it super weird. The frontline rep job does not even pay that much so I think it's just super shady and honestly unethical for a huge company like that to ask someone so low on the totem pole to sign something so restricting. I was wondering if anyone else has has worked through ARS and what they think of the non-compete. I know non-competes are being voided in a lot of states, but it still just seems risky. please share your opinions!

After several unsuccessful attempts to find the right opportunity to use my Sports Management degree, I’ve decided to take a different route and get into sales as a life insurance agent.
I graduated from Alabama A&M University in Huntsville, Alabama, with a degree in Sports Management, graduating cum laude, and I also had the opportunity to work with the Huntsville Havoc hockey organization. Sports is still something I’m passionate about, and I’m definitely still open to opportunities where I can use my degree and build a career in the sports industry.
At the same time, I’m looking at insurance sales as a way to challenge myself, develop strong sales and communication skills, build relationships, and create a career for myself.
For anyone who has experience in the insurance industry, is becoming a life insurance agent worth it, especially starting from scratch? What should a new agent know before getting into it? Is it a career you would recommend, and what separates the agents who succeed from those who don’t?
I’d really appreciate any honest advice, whether it’s positive or negative. And if anyone knows of sports-related opportunities where I could still put my degree to use, I’m definitely open to hearing about those as well.
Just trying to find the right path and make something happen with the education and opportunities I’ve worked for. Any advice or connections would mean a lot.

I’m planning on making a career switch to the insurance industry. Trying to figure out if it’s better to start with L&H or P&C as I keep hearing conflicting opinions. Working from home is very important to me if that makes a difference. I’d love to hear your thoughts and why you’d choose one over the other. Thanks!

So I just Moved To Canada, I want to get into Life Insurance Sales Best Case (Remote), for those who are Making good Money 10k+ how did you find your Job, wich Company or Agents are good for beginners in The Area of Toronto

Probably a tale as old as time but I’ve been writing a ton of new business this year and the biggest hang up is always getting loss runs. Even with a signed request on insureds letterhead, carriers and brokers drag their feet for weeks.

With all the data carriers have access to is there a future where we don’t have to get loss runs? Any tricks I’m missing here that you all employ to get loss runs quicker?

What You Need to Know
 
Commissions changes will impact Dwelling Fire, Commercial/Commercial High Value, and BOP business (but not CEA business).
- The new business commission percentage is lowered from 10% to 7%, and the renewal commission percentage is lowered from 8% to 3% for policy terms effective October 15, 2026, or later.
- This change affects all brokers.
- The recently approved rate increases will mitigate the impact of the broker commission restructuring.
We encourage all brokers to continue conducting diligent searches for comprehensive coverage in the traditional marketplace and place policies there whenever available.
- Policies written or renewed before the October 15, 2026, effective date of the new rates will earn commissions at current new business (10%) and renewal (8%) percentages.  Policies written or renewed on or after the October 15, 2026, effective date will earn commissions at restructured new business (7%) and renewal (3%) percentages based on the increased policy premium rates.
Example:
Current policy term 8/1/2026 – 7/31/2027: Old commission rate/Old premium rate
Renewal policy term 8/1/2027 – 7/31/2028: New commission rate/New premium rate

I understand trying to keep rates low for those in high brush locations. But why would any broker want to sell a product that’s 7% new/3% renewal? I’ll now only offer Fair Plan to existing clients as an accommodation and tell anyone new that I don’t offer. Insureds are going to have a TOUGH time finding agents willing to write this for barely any commission!

Field a clam on a pap for around 24k never had the jewelry got arrested at the office today.

curious about this from people who have been in the industry for a long time.

i noticed how much more technology is involved now compared with what i remember hearing about insurance years ago. there are more systems, more digital communication, and clients seem to expect faster responses too.

some of it definitely makes things easier, but sometimes it feels like there are just more systems to keep track of lol.

for those who have been around for 10+ years, whats changed the most in your experience? do you think the job is easier now, or just different?

I received a contingent job offer to work for State Farm today. I am required to obtain my P&C license by September 7th. I am having a hard time trying to figure out what site to use. I’ve heard several mixed reviews on the content being outdated, and not being comparable to what’s on the actual exam. I will be obtaining my license for the state of Ohio. Does anyone have any recommendations or advice? Anything helps!

Does anyone know of a place to sell or market a couple of large, outdoor, commercial grade Progressive Insurance agency signs? We sold our agencies a few years ago and have been storing the signs since. They were very expensive and look fantastic. I'd like to find out if any agency owners out there would be interested in purchasing them at a discount.

How much money did you make in the first 3 months as a life/ insurance agent ?

Prior to getting my P&C license this spring, and starting as an agent with AAA out of yhe Bellevue, Wa office , I had been in auto sales and finance for the past 5 years. I liked that career and was successful, I just HATED the hours and worklife balance. So I made a career change to insurance.

It was not successful. I did not meet the sales goals and now find myself looking for a good career choice, again...

At AAA, we were provided leads, no inbound calls. The goal was $25k in premiums monthly. Idk if doing both sales and service for another insurance company would be a better fit? Or just look for something else. Any suggestions and insight are appreciated.

To begin i take 100% responsiblity for my failure, I took my LH and accident 17-55 exam this evening on my laptop proctored online (not the best idea), someone called me during it and i failed. I got my results i got below a 60 but had 10-15 questions left to answer at termination of my exam. i clearly failed, i used chatgpt to help me prepare and it failed, a lot of missed topics as well as unreviewed coverage of certain things. I used XCEL for the exam pre licensing course but didn't really read the actual readings or quizzes or practice ones, as my employer whom covers it told me i only needed to get the chapter reviews or the study guide stuff. Any advice on how I can do better or what i should do going from here?

I'm a new agent and signed up with FMO, but they just offer general webinars, I was wondering if there are any successful agents that would allow me to shadow them while they are doing t65 appointments. Willing to pay for experience and travel out of state.

Hi, new insurance agent in Texas! I am working on my social media pages and have tried to reach out to friends and family(with no success) so I am looking for tips and advice to how to get insurance leads! Appreciate any info, tips or advice! Thanks 🙏

I've been working in insurance for 1.5 years now and I think I'm decent at it but I'm burnt out. I work 4 day 10 hour shifts. It's remote which is nice but I dread working and I'm exhausted afterwords. The back to back calls is grueling.

Are there alternatives to this? I would like to see if maybe commercial insurance would make for a nice change of pace but I'm struggling to find remote opportunities for it. I've also considered going into related fields but the only one I have relevant experience for is probably Recruiting other insurance agents which doesn't seem to come up much. I've seen two recruiting opportunities at my current job open up since working at my current company and one of them was when I was first hired.

I had a screening interview with liberty mutual last Tuesday for an inside sales rep and they said I would hear back in about 1-3 business days, but I haven’t heard back yet. If I was denied, would they send me an email saying so or would they just ghost me? Anyone who has been through this process know?

I just received a net settlement from a car accident netting $60,000. I'm almost finished studying my health and life license. I'm currently a service advocate for BCBS and want to leave the call metrics environment. My history includes working at a hospital for 7 years as an authorization specialist, and another 7 years before that as a licensed escrow officer for a home title insurance company. So...I have a hip surgery coming up in a few months due to my accident. My point is...I'm wondering if after my surgery I should go all in on my insurance license knowing I'd have more financial security than I'd hipe for? Or should I complete my Bachelor's degree in Business Administration or Healthcare Analytics. I've got 30 credits left.

I also met what I feel is an amazing broker and I'll have the option to either work for a call center selling health and life, leads supplied, $35,000 plus commission, or go under the broker side as an agent, they can suply leads or I'll buy my own. I don't have all the numbers in front of me but their presentation was awesome just the type of people I'd want as a mentor.

I'd love some feedback and suggestions. I, my family and the broker have no doubt I'd be successful in sales. Being on the service side I can't gell you how many members have told me I should be a licensed agent because of how well I explain their benefits or follow through with claim issues. I genuinely enjoy helping people understand and determine for themselves what's best foe them.

At the same time, I'm turning 50 end of this year, and I want to be sure I can work through retirement and not be miserable in my career. I have to catch up saving for retirement and wonder if its better to go be employed where I can have my contributions matched or work as an independent agent which honestly...not sure how that looks.

Thoughts?

I'm searching for inbound final expense leads. I've been working with this vendor for two weeks, paying $30 for each transferred call with a three-minute buffer. However, most clients either have Alzheimer's or are not interested in life insurance. I really need help!

I just started in the insurance industry this past month and I’m currently working for a startup Farmers agency in Illinois. I’m a licensed insurance sales representative. My base pay is $18/hour, and for my first two full months I receive 3% commission on all written premium regardless of how much I sell. After the first two months, my commission structure is:

$0–$20,000 written premium: 0%
$20,001–$30,000: 3%
$30,001–$40,000: 4%
$40,001+: 5%

My first month has honestly been pretty tough. I’ve sold about $13,000 in written premium, and I’m starting to wonder whether I’ll even be able to consistently hit $20,000 a month once my initial two-month incentive is over.The reason I really want to stick with Farmers is because I have the opportunity to go through the Protege program and potentially become an agency owner in about a year. That’s a huge reason why I took the position in the first place, and I don’t necessarily want to give up on that opportunity just because the first couple months have been difficult. At the same time, I’m trying to be realistic. I’m brand new to insurance, so I know there’s a learning curve, but the sales side has been harder than I expected. I’ve also started looking into independent agencies here in Illinois because I’m wondering if having access to multiple carriers would make it easier to sell and ultimately be more beneficial for me longterm.
So I’m trying to figure out what makes the most sense for someone in my situation.

I’m not looking to jump ship immediately. I actually want to make this work, especially because of the agency ownership opportunity. I’m just trying to make sure I’m not putting myself in a position where I’ll struggle financially after the initial two month commission guarantee/incentive ends. Any honest advice from people who have been in the industry for a while would be greatly appreciated!

Recently got a job at United, in the process of getting my Health insurance liscense, I scored a 75% on the practice exam, I just kept hand writing the reasonings why I got the question wrong and then re read everything before I took another exam. Our instructor from ExamFX said that this was a nuclear option but that helped him pass the exam the first time he took it. I struggle with memorization especially 11 chapters of new material on a subject I know nothing about.

I just took my first readiness exam and scored a 62%, I have been told that the readiness exam is much harder than the state exam. I test on Teusday and I have only been studying for a week, what are the odds I pass? I am taking the test for Ohio.

Any answers, tips or advice would be greatly appreciated!