So I'm a teacher who wants to get out of the classroom. I saw that Comparion was hiring insurance agents in my area. It says in the job posting that no insurance experience is required and they pay for your licensing. Is this too good to be true? Does anybody have any experience with this? I applied, but I have no experience in insurance.
Looking for recommendations from anyone who’s had a good experience with their IMO. I’m trying to find a long term partner that offers strong final expense comp and lets me build my own hierarchy with agents underneath the agency.
We already handle our own lead generation, so leads and training aren’t selling points for me. I’m more interested in competitive carrier comp, advances, and clear terms on renewals, book ownership, and releases.
Who would you recommend, and what made you choose them over other IMOs? Specific carrier comp examples would be helpful if you’re comfortable sharing.
Hey all, need some real-world advice from people who've actually done it.
I'm starting from below zero. No license yet, almost no family, no friends in business or finance, no one to get referrals from. I'm in the Pittsburgh area.
I got interested in the business owner market, specifically buy-sell agreements, and eventually I want to work with medical professionals. But I can't find any clear roadmap on how to get there.
Everywhere I look I get conflicting advice:
On one hand I hear "go get a list from CPAs and sit down with their clients." But no CPA will even talk to me if I haven't managed clients before, let alone give me a list, which I get.
On the other hand I see advice like "look up who funded their buy-sell and walk in cold and ask - if you died tomorrow, how would your partner pay off your wife?" Then the next person says "never do that, you'll get kicked out because you sound like a salesperson."
So I'm stuck. Is door-to-door with business owners really how it's done? Is there actual source material for this side of the business that I'm missing? It feels like no one talks about the how.
My I’m fully committed to be in the 10% that survives no matter what, because that’s my ninja way, and I'm dead serious about putting in the work. Not expecting any shortcuts. I just need to know the real path.
For those of you who made it to business owners and doctors:
Did you have to start by selling simple life insurance to individuals first?
How did you get your first business owner meetings with zero credibility?
How did you get a CPA or attorney to actually take you seriously at the beginning?
What got you your first 5-10 meetings? Walk-ins? BNI? Chamber? LinkedIn?
How did you get past the gatekeeper / owner not giving you the time of day?
What did your daily prospecting actually look like in year 1?
Any books, routines, or mentors that changed it for you?
TL;DR: No license yet, no network, starting from scratch. Want to get to business owners / buy-sell and eventually medical pros. Conflicting advice on cold pitching vs. relationships. What route actually worked for you when you started at zero?
i started studying with global life, but they were too demanding in how fast i study. 10 days to study l&h insurance & then take the state exams works for some people but it did not work for me. i ended up failing both l&h state exams so i backed out & they ghosted me. i still used the study material & recently passed my life exam (still studying for health).
i was doing research because i'd like to start off base pay + uncapped commission. if i can't, no huge deal. i came across nyl & colonial life. are these two good for base pay or am i applying to the wrong agencies?
Hi everyone, I'm researching the life insurance lead market (mainly final expense and mortgage protection) and want honest input from agents who buy leads. I'm not selling anything in this post.
Bonus if you're willing to share: what lead type has worked best for you, and roughly what do you pay per lead, and on leads per week?
Has anyone used PolicyTek? My upline says they are a good lead source but wanted to ask for investing my time and money into their services. Was using Goat leads but lately the quality just hasn’t been there for the price for me. Also looking into running my own ads, but don’t know to make my own ads yet lol
I’m looking for some honest opinions from people who have worked in P&C/life insurance, especially those who have experience with self-generated business.
My comp plan has no paid leads and no ad spend. All production is self-generated through referrals, networking, personal prospecting, Google reviews, etc.
The tiers are roughly:
4% tier
$20K P&C production
1 life policy issued
Plus additional requirements tied to the tier, including referrals/reviews
6% tier
$40K P&C production
4 life policies issued
$125 monthly paid
1 commercial policy issued
Additional referral/review requirements
8% tier
$60K P&C production
8 life policies issued
$200 monthly paid
1 commercial policy issued
Additional production/referral/review requirements
The 8% is the maximum tier, and there are additional requirements attached to each level that increase as you move up (referrals, Google reviews, etc.).
The part I'm trying to wrap my head around is the $60K P&C + 8 life policies + commercial policy + referral/review requirements, especially when there are no paid leads or advertising dollars behind the production.
Also, there is no compensation on renewals.
For people actually working in insurance:
How obtainable does this sound to you?
I'm not necessarily asking whether the percentages are "good" or "bad." I'm trying to understand whether the production requirements for the 8% tier are realistically achievable through self-generated business, and what kind of book/lead flow someone would realistically need to maintain that level.
Would love to hear from people who have actually had to self-produce their entire book. What did your numbers look like?
(I have hit this before, but I came in earlier this year from big red to this company and had paid leads before but not here and I’ve sold 200k since April.)