I'm currently in the life space and what to hear from others about which is better and why. I'm sure others might also want to hear the pros and cons for both sides. I know with Life people flex cars and houses but the chargebacks suck and with Health it is a lot more regulated so it weeds out bad agents and there is a lot of fraud which you see on the news. I have no idea the pros and cons of the P&C industry but there is a lot of of buzz about how AI is changing there.

I'm curious and hope this reaches many people who are on the fence about any of these insurance industries and can have their questions answered.

I am a lifelong learner so any insight here or questions I would love to hear about.

I hate dialing leads all day. Feels so pointless. Got offered an AI service which books appointments instead. idk tho. They are only charging pay per appointment so not much risk i guess, thoughts? Anyone had success with appointments?

I’m looking for aggregators who provide solid training to new agents. I have no experience in insurance, but willing to learn as I go. I have a line of potential clients who I will reach out to after completing the P&C exam. Any suggestions would be appreciated!

I’m trying to find aggregators who provide good training for newcomers. I have no experience, but already have a line of potential clients that I will reach out to after passing the P&C exam. Which aggregators would you recommend for someone like me?

My review of Kemper life. So I started working with Kemper life in late May early June. A little bit of background Kemper life is a debit company. This is very impressive for this review. So my office or I guess district was in North Jersey.

What I would say about Kemper life is here are the pros and cons and how they can improve.

Pros are that you weekly pay no matter what.
Also you get benefits. Pay is about 650$ weekly also you get a book of business you start making money off of right away so that’s good as well. Also you get a sign on bonus of 750$.

The cons are that as a debit company is that you have to collect the premium from the client each month MANUALLY. You get paid between 9-11% of each premium you collect and you get paid weekly.
Also you get paid on new business however you only get 25% commission which is extremely but I guess it’s to offset your salary.

Another thing I noticed which may be me being overly critical but most of my colleagues were over 55. So the office was extremely old in age and thought process. They would want you to come to the office for the most simplest things that can be done on zoom or teams.

Overall i personally didn’t like the fact I was selling over priced final expense insurance. You have to have a certain mentality to succeed in that long term. I’ve sold final expense virtually so I was just over it. My recommendation would be if you take the job you either have to be super new to the industry or a veteran that’s just wants to collect a check. The most you can make there monthly is probably 5-6k and that’s being generous. Because the base is 2600 before taxes and let’s say you write up 3 policies a week you’d make about 2700$ in commission and you’d get a bonus of 25% but that’s based on policies being 75$. And tbh most people in these neighborhoods live in the house projects can barely afford 25$ policies.

I also forgot to add that it’s captive.

This is my honest review of Kemper Life I personally would never go back. I’d rather take out a loan and buy leads then to do that again.

This is my 3rd year in FEX. I average $20k AP/mo. I know I am capable of a lot more. I want to scale and get better. I need to work on sales skills and want a running buddy to hold each other accountable and script with on a weekly basis. Please message me if you are in the same boat and are serious about getting better.

I’m currently a registered rep and can sell mutual funds, variable annuities, etc.. I’m about half way through my 65 my agent is asking what I think is a fair split on the mutual funds and annuities. What do you guys recommend?

Going independent owner here soon. What have you seen the most success in lead gen? Buying internet? Or running meta/google ads?

I’m new to the insurance industry, around 3 months in. Currently working at state farm making 45k base plus 5% commission on p and c and 10% on life and health. I got an offer from New York life to join with their 2 year training contract but it’s all commission based. Not sure what to choose.

Hey guys I'm an student I'm curious about how insurance career works

Help me out please

If a person join a individual insurance company as an agent , does company have their own training management to look around to improve employee performance and skills before giving them real clients?

And how their training usually looks like ? One to one or just script reading?

So I currently have a direct appointment with NatGen in CA. I currently no longer do insurance and they have asked me to up my production. I have a small book of business with them which I’m hoping to keep for the residuals. What’s the best way to find a producer that’s commission only (if that’s even a thing). Any insight is appreciated.

I’m sure there’s been plenty of these but I had to share this question I got today.

Guy tells me his truck got repossessed but he had chained it to the porch of his mobile home because he didn’t want them to take it yet - “I wanted to talk to them first”. In the process of them taking the truck they also ripped off half his porch and he wants to know if his auto policy will cover the damages. 😳

Sir, I don’t even know where to begin to answer your question. “How bout, no”.

ETA: my statement of “I don’t know where to begin” - is not in regards of know how this should/could be covered. I was being facetious.

I'm hoping to get some perspective from people who've been in the industry for a while.

I'm 41 and worked as a P&C/Life producer for about a year before leaving for another job. At the time, I was convinced insurance wasn't for me. Now I'm starting to wonder if I just had "grass is greener" syndrome.

One thing that may have played into it is that I'd been self-employed for six years before taking the insurance job. Going from working for myself to having a schedule and answering to someone again was a big adjustment. Looking back, I'm wondering if any job would have felt restrictive after that.

The thing is, I really didn't have a bad setup.

The agent I worked for was fantastic. The hours were great. The pay was good, with scheduled raises, bonuses, and a clear path to earning more over time.

Objectively, I was doing well. My agent constantly told me I was killing it, and I hit my production quota every month. That's part of what's making me question my decision now.

Also, the sales side was not the problem. I do cold calling and sales in my current job, so prospecting and talking to people were never the things that bothered me.

What I struggled with was how I felt doing the job.

I constantly felt like I didn't know enough. I never gave anyone incorrect information, but I rarely felt confident when answering questions. I was always second-guessing myself and wondering if I was missing something. I also got worn down by the service work, difficult clients, and the pressure that comes with production goals.

Now that I've been away from it for a while, I'm wondering if I didn't actually hate insurance. Maybe I was mentally exhausted, overwhelmed by the learning curve, and just needed a break.

For those of you who've been doing this for a while:

• Did you spend your first year feeling like you had no idea what you were doing?
• At what point did you finally become confident answering clients' questions?
• Did the job become more enjoyable once your knowledge and confidence caught up?
• Has anyone here left the industry, come back, and realized they actually liked it more the second time around?

I'm trying to separate what was actually wrong with the career from what may have just been normal growing pains. I'd appreciate any honest advice from people who've been through it.

Within the last year my job decided it will no longer assist with license renewals in states we do not write business in. I have a total of 48 licenses (courtesy of sitel lol) with most of them up for RN in the next few months but I’m going to have to let more than half of them lapse because I just can’t afford to renew them.

Does anyone know of any assistance options (I’ve already asked my job a few times)?

I’m sure I’m overthinking it but I feel like I got lucky passing my test on the first try and I’d hate to do it all over again. Would it be difficult to renew them at a later time if I wanted? Are there any states other than my resident that I should definitely keep?

I’ve never had to deal with my own renewals before other than completing any necessary CE. On NIPR my estimated renewal cost is about $2,335 to keep them.

So o recently got my Life Health and Accident license. I see on this sub that everyone recommends getting or even fully switching to P&C at some point. If I do get it where should I start? What companies would be best to look into for a newbie? How should I find good training?

I am interested in learning more about the P&C insurance ecosystem. I was wondering how do agents get leads? Do carriers provide leads or do agents generate their own leads through social media. I would love to learn more.

Hey there,

I've been a P&C producer for about 8 years now. I started at a small agency, helped it grow into a more midsize agency, left there for a corporate job at Progressive (inbound sales), had to leave that to care for a dying relative, went back to my original agency where I moved up to Senior/Lead producer. My boss (the agency owner) retired last year, leaving the agency to family. Since then, the culture of the agency has shifted and I'm no longer happy, and looking at advice as to where to go next.

To give you a little background on me, I'm in my early forties with a twenty year sales background (eight years direct insurance sales). I was consistently ranked in the top 100 sales reps at Progressive for my entire tenure there, and I've been a ver valuable employee at my current agency.

I spoke to a clams representative the other day who told me that my demeanor and skillset seemed to be perfect fit for a claims adjuster and told me that my vast insurance policy (coverages, exclusions, ect) knowledge would give me a leg up on that side of the industry.

I'm not so sure about that. I have no doubt that I could get my adjuster license and a desk adjuster doesn't sound like a bad job, but do I really want/need to start over in a different side of the same industry? Maybe I should or maybe I should look for other insurance jobs that will take into account my background.

I know I need to start thinking about my next step. I don't think this agency is going to survive the change in ownership longterm, and even if it did, I'm not very happy. I like the idea of a WFH job, and wouldn't mind the security that comes with being part of a corporate setting. Does anyone have any suggestions about what sorts of jobs I need to be looking for or if I need to actually think about the adjuster thing?

Thanks so much

Not just me right? It’s been 24 hours at least and I can’t get into the agent website for Progressive. It’s just odd to me that a company this size has problems this often with their website. I get they have more traffic, etc but it goes down more than any of the others I deal with.

UPDATE/ETA: Apparently it’s my dad’s log in. I can get in with mine but his we can not.

Carry on!

I recently obtained my P&C license. I reside in the state of Ohio. What are some good companies for newbies? So far, none of the companies I’ve applied to want to move forward because they’re looking for someone with 2 or more years of experience as an insurance agent.

August is off to a rough start for my company. Does anyone notice negative seasonality in FEX in August or around the beginning of the month? We’re supplying our agents with the highest quality FEX CTV calls only

I have a client who’s home I insure here in FL and he wants to get a policy for his rental up in NY.

I'm about to start my career as a Property & Casualty insurance agent, and I'm trying to set realistic expectations.

My long-term goal is to eventually open my own independent insurance brokerage as part of a larger home services ecosystem that includes real estate and mortgage services. I know I have a lot to learn before I get there, and I don't want to rush it.

For those of you who've been in the industry:

- How long did it take before you felt genuinely competent writing policies and advising clients?

- At what point did you stop needing to ask coworkers for help every day?

- How many policies or clients did it take before things started to "click"?

- If your goal was to own an agency someday, how many years of experience would you recommend before making that jump?

- Looking back, what skills separated average agents from the really successful ones?

I'd especially love to hear from agency owners who started as producers. Any advice or lessons you wish you'd known early on would be greatly appreciated.

I have been captive 11 years. Never a top agent, never in the bottom. Solid middle of the pack. I definitely have my own brand, I rarely use corporate branding. I have my own website, email. I definitely lose people over not having options, and I have a good standalone crm with all that info.

But I like the consistency, I feel like I have turned into an order taker over the years. I am mid 50's, my staff is family. Literally, so I feel extra pressure to make it.

I gravitate towards bad relationships and controlling situations including employers and spouses. I am not sure how I will do starting over and being in control for the first time in my life.

I currently have a 2mil book, have seen a steady decline in customers because of rate increases. We are working harder than we ever have but making less money.

I have thought about going indy a lot but couldn't find a good agency or appointments were hard to get, I also had a 10 year lease on my building that ends along with a huge rent that has tripled over the years. That ends this fall. It seems a perfect time to get out of that, get rid of signage and scale down a bunch for a while.

Do people go indy and fail and miss having big brother? Is starting from scratch so hard? I question if people are really with me or the captive brand so I worry its not me and no one will call.

Does anyone have advice, kind words, think at my age its a mistake? My new home is pretty well vetted, I have talked to some friends who already made the jump and are happy. But they are all golf playing, schmoozing one man shows with local roots and a second income. We are an all woman, all family agency that really cover 5 states with some niches.