I was a captive for the past 3 years...fed up with the desk fees, computer fees, printer fees, etc.....would really want to sell health/life online/over the phone without having to travel god knows where to see people who would waste my time.
Health commissions are down and more agents getting out of the business every day, but I still think health insurance (like alcohol sales-scary stats) is a good product to sell whether you're in a good or bad economy. It's something that is always on their mind and a great foot-in-the-door product to cross-sell other products after you've earned their trust. Souldeux nailed it... ALOT of discipline, but ALOT of benefits as well. The future of health insurance... remains to be seen.