Looks like this is a broken record for this forum, but I didn't think it was right to hijack some other newbie's thread. I'm a new insurance agent in Florida, got the L&H license (215) earlier this year, and now I'm signed up as an independent agent with HealthChoiceOne. I still have some of the health insurance companies' paperwork to submit, but some of them want you to have a customer first anyway, and I'd rather concentrate on life insurance. But having never sold insurance before, I'm not sure what to do next. How do I get telephone numbers to call? How do I know which of the 10 or 15 different companies HC1 represents I should steer a customer toward? How do I deal with hard cases who probably won't qualify for life insurance because of their health issues? (I don't guess it matters where you are located if you're doing all your business by phone, but for the curious, I'm in the middle of nowhere, south Florida, but I want to be in western Broward county.)