Insurance Agent Forum

[pebble head]

Excuse me for my ignorance, BUT I just left New York Life and still GREEN to the independent agent world. Can an independent agent sell Met-Life term products or is Met-Life like New York Life where ONLY their captive agents can offer their products to clients?

[al3]

Originally Posted by pebble head

Excuse me for my ignorance, BUT I just left New York Life and still GREEN to the independent agent world. Can an independent agent sell Met-Life term products or is Met-Life like New York Life where ONLY their captive agents can offer their products to clients?

You can sell it through just about any GA. Try Crump or Lifepro or Brokers Alliance. All will get you an appointment with Met.

Why did you leave NYL? Bad local office?

Why Met? What do they have in term that you like so much?

Just keep asking questions here and you will do just fine. Remember... they are not buying term... they are buying you.

The Jackass
Insurancesolutions123.com Agency

[pebble head]

THANKS for the response a13! The reason I ask is b/c a client specifically asked if I sold Met-Life. I am appointed w/ AIG, Mutual of Omaha and MANY others and was just wondering if I should also get appointed w/ Met-Life. Are their term products competitive w/ the above mentioned companies? THANKS in advance!

Oh, and I left NYL to be independent. I believe I was trained by one of the best if not the best this industry has to offer. It was a GREAT experience that I wouldn't change for the world as I learned a ton. BUT they take too much out of my commission. At NYL you get 50% of the term that you place as opposed to the now 110% I'm getting as an independent and mortgage protection (term insurance) was the BULK of my business. It just made sense for me to move on after almost 3 years. NYL was fun while it lasted!

[Winter]

Originally Posted by pebble head

THANKS for the response a13! The reason I ask is b/c a client specifically asked if I sold Met-Life. I am appointed w/ AIG, Mutual of Omaha and MANY others and was just wondering if I should also get appointed w/ Met-Life. Are their term products competitive w/ the above mentioned companies? THANKS in advance!

Not really. Their rates are sort of the next tier up from Genworth, AIG, West Coast. As with many companies occasionally you will hit an age, amount, tobacco use scenario where they may pop up competitive in a certain case but they are not predictably so the way the others mentioned are. They are far more competitive than many though once you take the top four or five out of the pack.

My view anyway.

Winter

[CHUMPS FROM OXFORD]

Winter is dead on. Met's rates are very rarely the lowest, but usually in the ballpark. Every so often, however, they are the lowest.

But of course, there are likely 5 other comapnies within $15 bucks of that lowest rate.