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I began selling life and health insurance at 24, I am now 51 and about to exit the business.
IMHO, It has NOT changed for the better.
Before the Great Recession My income was $15,000 a month mainly in small to mid size groups. Today after the Recession and the PPACA, my commissions are less than $1,000 a month.
Commissions have also dropped to unacceptable levels, Finally I will never sell another individual policy and won't sell any United Healthcare product.
I have a buddy that is a health guy that has a good sized BoB. It seems to me you guys are sitting on piles of gold in those files. I asked him once to let me cherry pick though them and he did not want anyone in them. So instead of 50% of something he is keeping 100% of nothing because they are not being worked for life insurance.