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Hello people, I have read several of the post on this site and there is plenty of great information...I've just passed my insurance test and ...


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Old 09-11-2008, 11:28 AM   #1
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How to start as an independent agent in Florida?             Go to Top


Hello people, I have read several of the post on this site and there is plenty of great information...I've just passed my insurance test and am looking to start off as an independant, my questions are what are the essentials needed to begin?

I see that someone has asked this about California but I would figure that Florida would be diifferent.
All of your input is very much appreciated, thanx
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Old 09-11-2008, 12:04 PM   #2
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Re: How do I start as an independent agent in Florida?             Go to Top

What line(s) of insurance are we talking about?
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Old 09-11-2008, 12:09 PM   #3
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Re: How do I start as an independent agent in Florida?             Go to Top

Im interested in starting out in the individual health and senior supp market, then expanding from there..but from what i have read in the forum is that you must learn one first
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Old 09-11-2008, 12:13 PM   #4
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Re: How do I start as an independent agent in Florida?             Go to Top

Originally Posted by FL INSURANCE View Post
Im interested in starting out in the individual health and senior supp market, then expanding from there..but from what i have read in the forum is that you must learn one first
Something you want to do locally (where?) or all over Florida?

It looks like you are newly licensed...tough to start independent with no experience. What's your background and capital position?
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Old 09-11-2008, 12:21 PM   #5
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Re: How do I start as an independent agent in Florida?             Go to Top

All over florida...i come from a sales background and have some money to invest, i have also been sitting in a boilerroom type atmosphere for about 3 weeks and have learned a few things (leads, phone talk, underwriting) but havent really sold anything there...but i have the drive to do whatever it takes to make this happen...i really dont want to work there because they are getting commish cut huge and i can afford to buy the leads myself
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Old 09-11-2008, 12:27 PM   #6
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Re: How do I start as an independent agent in Florida?             Go to Top

All over florida, ive also been sitting in a boilerroom type office for 3 weeks and pretty much see that they just buy leads and thats it...i can do that myself and keep all commish...i come from sales atmosphere and i believe i can do this..thanx for your input

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Old 09-11-2008, 12:31 PM   #7
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Re: How do I start as an independent agent in Florida?             Go to Top

Here's my honest advice:

Drive alone won't do it. Everybody wants to do well.

Stay in the call center for six months to a year. Make mistakes and learn on their nickel. Save your money.

Start to formulate a plan. Quantify it.
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Old 09-11-2008, 12:53 PM   #8
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Re: How do I start as an independent agent in Florida?             Go to Top

Bunk - get out of the call center immediately and contact me if you want: admin@ihiaa.com
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Old 09-11-2008, 12:59 PM   #9
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Re: How do I start as an independent agent in Florida?             Go to Top

Originally Posted by healthagent View Post
Bunk - get out of the call center immediately and contact me if you want:
Here's the difference: my advice is unbiased, I'm not trying to sell him anything.

Can you say the same thing?
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Old 09-11-2008, 01:04 PM   #10
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Re: How do I start as an independent agent in Florida?             Go to Top

No - but I honestly can help in ways you can't.
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Old 09-11-2008, 01:25 PM   #11
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Re: How do I start as an independent agent in Florida?             Go to Top

Originally Posted by FL INSURANCE View Post
ive also been sitting in a boilerroom type office for 2 weeks and pretty much see that they just buy leads and thats it...i can do that myself and keep all commish
Ahh, if it was that simple and easy...

Good luck.
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Old 09-11-2008, 02:21 PM   #12
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Re: How do I start as an independent agent in Florida?             Go to Top

Why not do both?

Work the Call Center 2 days a week and work for yourself the rest of the week?

Many people here can get you decent contracts with Life and Health companies - just ask . . .

Tom
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Old 09-11-2008, 04:05 PM   #13
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Re: How do I start as an independent agent in Florida?             Go to Top

Call center wants 40hours a week, and from what ive noticed people are usually burned out after making 200 calls a day...

Last edited by FL INSURANCE : 09-11-2008 at 08:25 PM.
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Old 09-11-2008, 09:53 PM   #14
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Re: How do I start as an independent agent in Florida?             Go to Top

Alright, so far from reading I see that goldenrule, aetna, assurant and humana are the big players for individual health..what are the big differences in all of them? Also is there anyway to sell BCBS?
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Old 09-16-2008, 01:22 PM   #15
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Re: How to start as an independent agent in Florida?             Go to Top

Any other agents want to chime in?
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Old 09-16-2008, 01:51 PM   #16
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Re: How to start as an independent agent in Florida?             Go to Top

Originally Posted by FL INSURANCE View Post
Any other agents want to chime in?
You can hire me on a consulting basis...think of it like "piano lessons" for health insurance - but I only take on one pupil at a time. Send me a PM if you're interested.

PS - Blue Cross - no. But there is one important thing to know about their coverage when selling against it...
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Old 09-16-2008, 02:05 PM   #17
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Re: How to start as an independent agent in Florida?             Go to Top

....and we guarantee that Paul is fully clothed during training.
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Old 09-16-2008, 02:12 PM   #18
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Originally Posted by healthagent View Post
....and we guarantee that Paul is fully clothed during training.
Definitely...I don't want anybody getting nauseated...
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Old 09-16-2008, 02:23 PM   #19
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Re: How to start as an independent agent in Florida?             Go to Top

Focus on one product line, get with a mentor, become a sponge and be teachable and willing to learn. God gave us 2 ears and just one mouth for a reason 'eh . . .

Good Luck!

Tom
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Old 09-16-2008, 04:32 PM   #20
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Re: How to start as an independent agent in Florida?             Go to Top

Thanx, just signed up with Health Choice One and I guees 19.95 for Johns association wont hurt if I can at least get one thing out of it...right now I'll be focusing on health and senior supplament since I've been told that "season" is coming up..If anyone has any suggestions on where I can get more info on these two products it would be very much appreciated!

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