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I am devastated. I started in this industry last November and have written about 50 applications since then. 3 of them were large policies with monthly premiums at $1k, $500 and $300. They were all 10 pay WL. 2 of the guys were rated terribly and they didn't want anything to do with it. I tried telling them that this is when they need it most but they weren't interested, and the 3rd guy changed his mind and wasn't open to hearing any other options. I am a captive agent and I was counting on getting those commissions next month. I mean this is brutal and all the bad news happened in one week. I thought I was off to a good start but now I am seriously wondering if I belong in this job. Just looking to share my story and maybe get some input. Thanks.
I have also made the mistake of imagining all the things I was going to buy with a commission check before the policies were issued. I think that's what hurts the most, losing all the stuff you had already planned on doing with the money.
I remember when I had a $950/mo WL policy get declined a couple years ago, I was so confused, I had already sold the lady a Medicare supplement and she passed the underwriting for that. I was pretty upset.
If you can get through this mind game this time around and keep going, you will probably have a good future in this business. Just let it go (easier said than done sometimes, but gets easier) and go make some more prospecting calls.