neophytelifeagent
New Member
- 2
Hello everyone,
I'm a new life/health agent that was recruited into a WFG agency in my local area. While conceptually it was everything that I'm looking for, (building a business) I realized very quickly that my value to the group is mainly to fill the pipeline with prospective clients and associates. Just like a typical pyramid, only one that didn't require me to buy a closet full of their products. Much of the "training" focuses on getting me to flog my warm market, essentially -- then start opening random people on the street. Not exactly what I'm looking to do at this stage of the game -- licensed almost three months, and itching to actually learn the ropes of the business (SELL INSURANCE!)
I'm not a captive agent so I got appointed with The Alliance's 5 main carriers that specialize in mortgage protection/final expense products. Was denied appointment with their biggest company, Forester's -- but looking at the roster, most of their carriers don't offer living benefits in CA. Makes it harder to sell a term policy for mortgage protection if they can't access the benefit before death -- so this may not matter, as long as I can find other companies (Transamerica looks good) with term/lb products.
WFG wants me to create the leads, the Alliance will provide me with or sell me the leads (most of them are mailers sent in by new mortgage holders) -- but given what's going on right now in my state (California) -- in home presentations are unlikely to happen, at least for awhile. I can modify the presentation for zoom, or even just do a simplified Q&A over the phone to obtain the necessary info and run some quotes.
An intriguing possibility has also been to go for AHIP certification and start selling MA and Medicare Supplemental policies. It's more of a natural fit (given that I've been in healthcare so long) -- and is something that people almost certainly HAVE to buy, as opposed to a life policy they may see as optional. My newest strategy is so request appointment to different carriers that sell Medicare (NAA or The Alliance just got into this game) and start doing some dials and phone/zoom appointments with those. Eventually I would like to be selling IUL's and other products that require more advanced training/certification, but right now I just want to get my feet wet.
What do you all think? I know WFG is a huge player but at the associate level, I'm not getting much of what I'm looking for from them. Any thoughts on The Alliance?
Adam
I'm a new life/health agent that was recruited into a WFG agency in my local area. While conceptually it was everything that I'm looking for, (building a business) I realized very quickly that my value to the group is mainly to fill the pipeline with prospective clients and associates. Just like a typical pyramid, only one that didn't require me to buy a closet full of their products. Much of the "training" focuses on getting me to flog my warm market, essentially -- then start opening random people on the street. Not exactly what I'm looking to do at this stage of the game -- licensed almost three months, and itching to actually learn the ropes of the business (SELL INSURANCE!)
I'm not a captive agent so I got appointed with The Alliance's 5 main carriers that specialize in mortgage protection/final expense products. Was denied appointment with their biggest company, Forester's -- but looking at the roster, most of their carriers don't offer living benefits in CA. Makes it harder to sell a term policy for mortgage protection if they can't access the benefit before death -- so this may not matter, as long as I can find other companies (Transamerica looks good) with term/lb products.
WFG wants me to create the leads, the Alliance will provide me with or sell me the leads (most of them are mailers sent in by new mortgage holders) -- but given what's going on right now in my state (California) -- in home presentations are unlikely to happen, at least for awhile. I can modify the presentation for zoom, or even just do a simplified Q&A over the phone to obtain the necessary info and run some quotes.
An intriguing possibility has also been to go for AHIP certification and start selling MA and Medicare Supplemental policies. It's more of a natural fit (given that I've been in healthcare so long) -- and is something that people almost certainly HAVE to buy, as opposed to a life policy they may see as optional. My newest strategy is so request appointment to different carriers that sell Medicare (NAA or The Alliance just got into this game) and start doing some dials and phone/zoom appointments with those. Eventually I would like to be selling IUL's and other products that require more advanced training/certification, but right now I just want to get my feet wet.
What do you all think? I know WFG is a huge player but at the associate level, I'm not getting much of what I'm looking for from them. Any thoughts on The Alliance?
Adam
