Anyone buy his website marketing plan?

I created an s corporation few months ago, is there anything i should look out for other than paying my taxes?

Most here know that I failed at trying it "my way" . . .

My plan B is to take an offer to be a full time New York Life agent in Georgia.

I'm 48 and would like to retire @ 60 - this might work.

But - it seems like a "job". Any thoughts or suggestions?

I have plenty of time to decide . . .

Any suggestions on any that are ultra competitive in Georgia and South Carolina.

Hey I am getting ready to sign up as a Producer with an insurance brokerage. They are offering me 50% of renewals and 50% of new business comissions. Is this good. So on Home and Auto we get 15% of the company we write with, then I get 50% of that when I write it, and at renewal.

Does that seem to low?

There are no bonuses, or incentives. other than that. That is it.

Any help would be great. This goes for all lines. HOME , Auto, Life, Health, and Business. IF the commission on life is 100% i get half, if the comission on business is 15% i get half.

Hey Agents...
I'm an experienced Rep and Marketer and Licensed Agent in New York City but I've never (as an independent) been able to crack the insurance industry as an agent...

A "FRIEND" (A Sc#mbag, prick) called me last week with a "GREAT" opportunity (he would be making almost nothing on his "Goodwill"...)
1) He was going to do insurance postcard mailings for lowcost whole life insurance policies to lower income urban people that they would use as final expense insurance. I was supposed to run his appointments and aim annual premium at 4% of their annual income total...
He said the Avg annual premium would be About $900.00

2) A "Highly Professional" appointment setter would set the appointments for me, about 8 a day.

3) These clients are "Triple Screened" because If I don't write policies he makes nothing either...
(Out of his "Almost Nothing"...)
(I've been down the appointment setter route before...Is there ANY way to do this successfully?)

4) My Great Friend told me My cut would be 22% of annual premium (He had a "Mother Theresa" like demeanor on the phone...The prick was looking to average me at 200.00
Earnings per written client...BUT it gets BETTER!!!...
:D
Here is the BEST PART!!!...He was going to hold BACK 50% of my 22% commission and pay it to me at a "LATER TIME" as a BONUS!!!
(What A GREAT Guy...)
:twitchy:

Obviously this LOWLIFE P.O.S. Filthy Bald Dwarf TROLL
thinks I'm pretty stupid...
HOWEVER!!!
This is a possibly GOOD business model to do SOLO...

Could Anyone give me some direction on HOW TO Successfully implement this model for myself...

Please Respond:
DQuinn888(at)Gmail.com

THANKS!!!

If you have been in the insurance industry for the last 5 - 10 years you know how hard and expensive it is to get your phone to ring.

Are there any productive and inexpensive ways to get your phone ringing?

Any comments about their products?

Anybody market their products?

Thanks - Tom

Almost every plan I sell is a HDHP, but I have not run into this before. Husband and kids are on one HDHP, wife is on a completely different HDHP (state risk pool). Can they open one HSA account for the entire family? I assume so, but google wasn't very friendly on my search.

I;ve heard delta dental and those companies thru work offer good dental benefits. Can an agent get a good plan somewhere? my health carrier doesnt offer dental.. I want something with no wait period and high limilts? any ideas? thanks pm me..

i became a paraplegic in 1985 which at that time my policy was on premium waiver, which means prudential pays my premiums. also, i was to recieve a new policy every three years, also paid by prudential. the face value of each i believe to be 10,000.00 . they are limited pay whole life and the first one is classified as classic 85 life. can some one tell me what either of those two mean, and is there something else i should be doing with my policies, because i hear of people changing there polices, or upgrading to a better one. im really not to educated on life insurance although lately i have been reading up on it. thank you for your help

we have just started looking at these two products and I am curious to see what the feedback is both as a broker and what you hear from your clients.

1. Has it mades sense for you financially

2. What is the average size of your clients (we concentrate on small business 10-40 with a handfull of clients around 100)

3. How is it working with the carriers.

Thanks in advance

I was recently hire by AAA as a sales and service agent and will start in another week. If there is anyone who currently works for AAA on this forum, I have some questions about the organization and what to expect as an agent for them. I have tried to do as much research as possible and maybe like many companies, I have found mixed reactions.

We haven't done this in a couple of years so I thought it time we met again. Previous meetups ranged from 5 - 12 agents.

Since it's my idea, I'll pick the restaurant, day and time.

September 9, 2010 11:30am. Last person to arrive buys!

Carrillos Mexican Deli
19744 Sherman Way
Canoga Park, CA 91306

This is a real hole in the wall with great food and low prices.

In the past meetings, we've had newbies along with more seasoned agents. Not only have friendships been established, but it is good for independent agents to share thoughts, experiences and advice.

Please RSVP to my email below.

Rick

I currently hold a 2-15 and 2-20 license in Florida and was debating on moving to California. I was wondering if my insurance licenses would carry over to California, or would I have to retake the courses or get an additional license. Thank you in advance for all your help.

Allstate, Florida Agents At Odds Over Auto, Property Production - Personal Insurance - Property and Casualty Insurance News

Bad news if you're a captive.
Good news if you're independent!

There is a company in my area (Seattle WA) that advertizes how it doesn't charge for quotes or charge broker fees. Now I am new to the business but am pretty sure it is illegal to charge someone for a quote and that as of this year there are no "brokers" in the state of Washington. Can someone verify this is true?

I read this article in the "Agent's Sales Journal" - Sep 2010 edition and it listed "Pricing - Develop your product pricing by performing a cost analysis" as a step in building an agency.

As an independent agency what products would you have to price?

Life & Health Agent

:1frown:I received a prerecorded call with an option 1 to opt out and option 2 to speak to a representative about health insurance. Pushed 2 and when I started to question who I was talking to and what company they were he hung up on me. Tried to call the number back and that number does not receive calls. Looked them up on the internet got a phone number and called it and it's been busy for 10 minutes.

These guys give us all a bad name I would like to report it but even for me the hassle of reporting it is not worth the aggravation and time it takes away from my day. Plus it was my cell phone, have no idea where they got my number.:1mad:

We are having our 10 year reunion this fall and the organizer reached out and let me know that she was going to be giving away goody bags to those who attend. She said she knows that I have a business and that I can provide a business card or anything else to include in the bag. I'm sure others are involved in businesses as well and will include things in the bag. What would you guys put in the bag? I'd appreciate any ideas. I also thought about having a couple of prizes to give away but folks would have to write their name, address, email, phone number on a card. It would be great to have their contact info and maybe set up some coffee dates. Ideas? Help!!!

I just got my P&C license and I'm looking for a sales position in Houston, TX. Can anyone suggest any good companies.

I have over 10 years of sales experience and I'm fluent in Spanish.

Thank you

Are any of your using Dignity Planning Program or website?

How is it working for you if you are using it?

Hi guys, Ive been looking to get appointed with BCBS of Florida to sell their medicare products and so far I've only received one offer. Im independent and I haven't been able to compare these rates.

All medicare advantage plans pay $270 with $90 renewal year 2-5.

Medicare supplements pay 10.125% with no renewals.

Now, to me these rates really suck but I've heard that BCBS commission rates always suck. Does anyone have something I can compare to in florida?

I heard a "consumer advocate" radio show host say insurance agents are not held to the same legal guidelines with their clients as an impartial, fee only, advisor. He claimed that there is some financial act (don't recall which one) that specifically names people like bank trust officers and fee only advisors as fiduciaries and holds them to a higher standard than commissioned agents.

This person already is prejudiced against commission sales people, claiming they are not objected, but I really believe he is stretching the truth here.

Years ago when I worked in the retirement planning market I was very much aware of my fiduciary responsibility under ERISA.

Is this guy totally off base, or is there a law that defines fiduciary responsibility that does not apply to insurance agents?

Hello, I am new to this forum. Looking for a career change. I have been reading about the insurance business. I am a little overwhelm with all the information. I have never worked in the insurance area.

When reading and looking through the forum, I saw the "Health Choice One " web site.

Is this a company to start and learn this business?

Any thought, help or advise?

Thanks

Anyone ever heard of Apex Elite ??

Has anyone used the Cotton System?

http://www.startribune.com/local/blogs/101799393.html

An Eden Prairie insurance producer lost his license and agreed to a fine after he bilked his employer out of $8,370 in commissions on fraudulent life insurance applications, according to a Department of Commerce order signed this month.

Primerica Life Insurance Co. fired Wesley Allen King in February after an internal review found that all 39 of the applications he submitted in the second half of 2009 contained fraudulent signatures, phone numbers and other information, the order stated.
King admitted that he wrote the false policies and said he was caught up in a competition with other salespeople.
King was ordered to pay a penalty of $35,000, but most of that is stayed as long as he pays $5,000 by June 2011.
(You have to read the full consent order - unbelievable - http://www.commerce.state.mn.us/consent/534.PDF)

Most of the master agencies i contacted like smartchoice, siaa, premier etc, require you to buy or sell your book when you decide to leave. I was told that insurance noodle don't have that requirement, what other GAs let you walk away without having to buy or sell your book of business?