LIFE INSURANCE AGENTS VS. P&C AGENTS
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- Опубліковано 26 сер 2024
- **DISCLAIMER: THIS IS NOT LEGAL ADVICE. USE AT YOUR OWN RISK AND DISCRETION. THIS VIDEO INCLUDES CALIFORNIA INFORMATION ONLY.
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Agree. I’m in both worlds. Started p&c in 2016 & got into life this year. Life is built on recruiting so much. It’s a little draining because so many ppl quit, but p&c is a more stable career.
I tell people that P&C is the way to go.
I have to disagree. Life insurance sells a product that absolutely helps someone. During the hardest times. P and C is a product you legally or contractually have to have in most cases. When clients actually use the insurance for their home or auto, they pay a hefty price come renewal. A life claim pays out, and doesn’t effect the beneficiaries ability to obtain coverage going forward. P and C can help people, but it’s not a life changing benefit.
Sorry if it wasn’t clear. I’m a huge advocate of life insurance. I think anyone who has a family and cares about them should have it. I’m just not a fan of life insurance agents who essentially build pyramid schemes for their career and make commission off of other agents’ overrides
I failed as a Life Insurance Agent. It is Setup Mainly like a Pyramid Scheme because people will get Overrides on you.
Go for health or property and casualty insurance. Life insurance industry is mostly made up of mlms.
This was a really good video, thanks for the input👌 I have been studying Life n Health, but whenever god-willing I can get that lisence, i want to study P/C too.
Thank you! Good luck on the test
Well said! Keep keeping it real! I absolutely agree!!!💪🏽🥰🙏🏽🙌🏼👏🏼
I am Life agent that will be joining a large P&C agency. I asked them if I could learn the P&C side while I sell Life products to their clients. They really need to add that service to their agency. Also I was a business banker for 20 years and will be working with banks that I previously worked at to joint call with their commercial clients.
I am nervous because I will be running the new life dept but think it will be sustainable once I get my p&c license. Thanks for the video!
That would be a gold mine. Best of luck to you!
@@christheinsuranceguy you think so? I am so nervous and pumped at the same time. Thanks
@@jettabanker 100%. That’s a whole book of business that already trusts the agency. You just need to call in to do reviews and ask them what they have in place for their life insurance!
It’s been a year, how it going with running their life department?
thank you, will see what is best with this business for me.
Great video…. Question, what Agency Management System would recommend for P&C?
100% thats literally what happened to me
The most obvious difference is there are more scams and mlms in the life insurance industry. I got my life insurance certification and I noticed how difficult it is to find work within a legitimate company. I'm going for health and property and casualty insurance. There aren't as many mlms in property and casualty and even health insurance.
Do you get access to life insurance policies through SIAA?
That said, life certainly is structured like a pyramid. It’s the product I don’t love selling. A life policy is different. I know for certain that the product will be immensely valuable to the beneficiaries when a claim is filed
Thanks ! I’ve definitely done life insurance and failed
I was hoping p&c was more career based. I’m considering this career path
The answer is both
What do you mean?
@@christheinsuranceguy have a health, life accident license and p&c a license
LOOVE ITT. I just got my PC license and I was just having the same issue deciding if I should go back for LIFE but this definitely helped me. Any recommendations for New Remote property casualty agents?
Does it look bad to prospects if an agent only does life insurance? I'd think it'd ook more professional to have a well-rounded agent that knows everything about both P&C and L&H.
They definitely go hand and hand so I agree I think it looks better if you’re very well rounded. But I don’t think it’s bad if it’s specialized in life only
Thanks! I am a licensed Life agent. However, one of my neighbors is thinking along the same line as you. To get his P&C first and later the life insurance. We are in Bethelridge, KY. We are looking for a good broker to learn and grow with before branching out. Any suggestions?
What's a realistic amount for people to make in this industry and what do you all think of Brad Lea and Real Financial?
It really depends, I’ve seen some people crush and make 6 figures their first year and some people barely anything. It’s completely dependent on your activity/hunger. On average though, id say something like 50-60k year one.
Great analysis
P&C is dialing leads and servicing customers. Life insurance is a get rich quick scheme where 90 percent quit the first year. Let’s not kid ourselves, it’s more like 100% turnover rate per managers I know. Their full-time job is recruiting dialers. I know dozens of former Life insurance agents. 🙄
need a new net bro
You are right 😂
Some of the information you stated is incorrect. Life and Health is broken up into 3 categories. Life, Medicare, and ACA. Medicare is renewable product every year. ACA is renewable every year too. Alot agents only sell medicare and have a long term book of business, the same with ACA under that license. You're almost suggesting that life and health agents only sell life insurance. Medicare is a well respected and highly regulated product with rules and regulations set by the government. Also with life insurance there's two sides to that story. You mentioned life insurance doesn't have commissions after year one that's untrue. I don't sell much life insurance anymore. I'm focused on Medicare and ACA but this video is super misleading I'm sorry and I'm not being a hater. This video should be broken down by someone who licensed in both industries with a few years under they're belt
Life insurance commissions drop off dramatically after year 1 and that’s a fact. I have several years doing both P&C and Life insurance. I don’t do health insurance at all so that’s a topic I don’t touch on at all. I believe there are good ways to do life insurance and bad ways. Most companies out there are just “team building” pyramid schemes, but there are obviously people doing it right
I've been a Financial Advisor with Morgan Stanley and now my own an RIA. Your description of FAs isn't accurate at all. I think you might be talking about Insurance agents who get a Series 6 and sell Variable Policies and act like they are Advisors?
Yeah I’m talking about the agents in the multi level marketing pyramid games
❤
Your voice is not clear.
It's fine? He's a good speaker
Hasheem wtf
I want to get license in p&c. Can you suggest good website where I can enroll ?
what state?
@@christheinsuranceguy I am from Canada and province Ontario