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Author: |
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Anonymous |
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Date: |
January 20, 2009 |
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I have been a licensed insurance professional in the State of Florida for about seven years. I love it! It is sales, customer service, claims, putting out fires, management, marketing, and you never have the same day twice.
I recommend this career for anyone who is intelligent, outgoing, honest, and hardworking. It takes time to learn the ins and outs of the business no matter what company you work for, but the sense of accomplishment that you get from helping people, not to mention the money you can make doing this, is incredible!
If I had it all to do over again, I would have done this sooner and maybe avoided some of the job pitfalls I fell into in the beginning.
In order to really succeed at insurance, you have to be licensed in your state, really know what you are talking about, have a really finely tuned sense of right and wrong, and be really organized.
I have already mentioned the pros but the cons are that you have to get yourself licensed, or get someone else to pay to get you licensed, which will cost you around a thousand dollars between the class and materials, the digital fingerprints, the application to the state, the state exam.
I was the What If kid growing up, which is why this a perfect career choice for me. I was always coming up with worse case scenarios for everything that could possibly happen. My attitude regarding insurance is that it is preventative maintenance, which means that it is less expensive to have the right level of insurance than it is to not be insured.
Your responsibility to your clients is to gently educate them about how insurance works, how the coverages work, giving them enough information so that they not only appreciate the value in what you are giving them but that they have a better understanding of what they need.
Again, I have spent the last seven years building up my service reputation, and I am still getting referrals from people i helped months ago. If they trust you, they will buy insurance from you and they will refer business to you.
On the flip side, if you ever lose that trust, you will never get it back. You have to be really careful not to make promises you can't keep. If you think you can get something reinstated but you are not sure, you CANNOT give that person a guarantee. You have to explain the situation to the customer and tell that person you will try to do what you can, but that you can't promise. That person will appreciate your honesty, even if you can't get their policy reinstated.
Good Luck! |
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Author: |
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Anonymous |
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Date: |
September 22, 2007 |
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I work for a company that sells a benefits package to companies that includes an insurance product. I only get paid when an employee at the company purchases the insurance product - currently a 20 year term life program- from one of our enrollers or myself. To be able to start this career you must have a resident life insurance license in the state that you reside, and then obtain non-resident licenses for any states that you actually sell the insurance. If you asked me when I was 21 one if this is what I wanted to do, the answer would be "No!" however at age 41 I had different parameters for what I needed to get out of a job opportunity. Typically, starting a career in the insurance field is very financially challenging. You have to have thick skin and usually some other means of financial support. The benefits are what we call renewals: after you've made the intial sale your customer continues to pay in to the policies and you receive commissions. In my specific branch of insurance sales, you bring on a company and then either myself or enrollers go out and sign them up for the benefits including the insurance product we sell. We continue to go into the same companies throughout the year to service them. In my company your success is linked heavily to how many companies you have as your clients. The more you have, the more enrollers are out selling insurance and them more consistently you earn commissions. The things that attracted me to this profession where the flexibility in the hours I can work and the unlimited income. I am a divorced woman with three children and I needed a flexible schedule. I also needed to know that if I worked very hard and was very good at my job I could earn a six figure salary. I am an independent contractor as I think most insurance agents are classified. The down side to this is that you must pay your own tax withholdings and the company usually provides no benefits, including health insurance, which you must acquire and pay for on your own. If you have just finished college and require less income to run your life, that is an excellent time to consider this profession. When you are looking at the many insurance companies and positions and if you are looking at personal insurance sales to individuals and not employer groups, you should give more weight to a company that sets you up with a visible office (storefront) for people to come and meet you and pay premiums. Companies such as this are State Farm. I have many friends in the insurance industry and one is a State Farm agent with her own office. After working extremely hard for 10 years she now has an income of about $150K per year and only has to work about 20 hours a week (she employs two full time office assistants). The benefits can be outstanding, but it is a tough to career to start. You have to be willing to work hard and build your business which will mean some intial financial sacrifice on the front end. |
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Author: |
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Anonymous |
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Date: |
January 19, 2007 |
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I am a Product Advisor, or a insurance agent, for a very large health insurance company, and I would recommend this as a career. It is very fulfillng to be able assist people with their health insurance needs and making good money while doing it. The business can be very rewarding financially, but you have to put the time and effort into it. If you are thinking of going into a career in health insurance, I recommend that you research the various companies, check their financial status, and review consumer reports. You want to work for a company that is financially secure and has a solid reputation. Also, it helps to be organized and good with follow-thru. You will need to follow up with prospective clients and if you were to let one fall through the cracks, there are plenty of competitors for your client to go to. |
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