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Forgive me if I missed it, but it sounds like you are extremely new to insurance and financial services in general. I strongly suggest you consider a career company path to begin with.Ok, I'm about to finish school. I'm not sure about which career path I want to take, but I want to try the insurance game. I want to start with fam/friends and work on referrals from there until I make a decision.
From the information herein, I have concluded the following:
1) I need to get E&O insured
2) I need to get in touch with an upline that will allow me to remain independent (or get appointed directly by a few good carriers)
Does this sound correct?
Forgive me if I missed it, but it sounds like you are extremely new to insurance and financial services in general. I strongly suggest you consider a career company path to begin with.
Not all career (captive) companies are best for an absolute newbie, but New York Life, Met, Securian (Minnesota Life), and maybe Mass would be worth looking in to. There are other captives and quasi-captives such as Guardian, but they aren't all known for taking a guy as new as you and giving them what they need right out of the gate.
Forgive me if I missed it, but it sounds like you are extremely new to insurance and financial services in general. I strongly suggest you consider a career company path to begin with.
Not all career (captive) companies are best for an absolute newbie, but New York Life, Met, Securian (Minnesota Life), and maybe Mass would be worth looking in to. There are other captives and quasi-captives such as Guardian, but they aren't all known for taking a guy as new as you and giving them what they need right out of the gate.
I would temper that by saying a manager may want you to wait until January to contract and to use between now and then to work on your inventory and any pre-contract training and production requirements. Pushing you to contract immediately is an obvious red flag.... I would watch out for the manager that strongly pushes you to contract now, or strongly pushes you to wait until after New Year's Day. That is a strong suggestion you are just another number towards their recruitment quota.
What do people prefer between an IMO and an FMO.
Also, how important is it to have this in your home town?
IMO = LIFE
FMO = HEALTH
Mainly...
So I dont understand your question.
Ah, I keep learning! My question is that if you write insurance through either of these, do you want the firm to be in the town that you live in.. or does it not matter?