LIFE INSURANCE AGENTS VS. P&C AGENTS

Your voice is not clear.

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.

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.

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.

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!

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

What's a realistic amount for people to make in this industry and what do you all think of Brad Lea and Real Financial?

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?

need a new net bro

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.

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

100% thats literally what happened to me

❤

I failed as a Life Insurance Agent. It is Setup Mainly like a Pyramid Scheme because people will get Overrides on you.

Great video…. Question, what Agency Management System would recommend for P&C?

The answer is both

Thanks ! I’ve definitely done life insurance and failed
I was hoping p&c was more career based. I’m considering this career path

This is so fk n vibe crap

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?

Great analysis

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?

Well said! Keep keeping it real! I absolutely agree!!!💪🏽🥰🙏🏽🙌🏼👏🏼

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. 🙄

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.

thank you, will see what is best with this business for me.

I want to get license in p&c. Can you suggest good website where I can enroll ?

Do you get access to life insurance policies through SIAA?

I know Life insurance agents that have recruited a bunch of agents.. and they made Zero in overrides because nobody is selling just recruiting lol

Can you do P&C from south america? I live in florida but rent has become insane. Just got back from Medellin and my rent was $280. Found about selling life insurance thru a "travel and sell life insurance" video. So do you think someone can live in south america 8 months a year doing P&C telesales?

Chris, I completely agree with you.

i give my licensing exam on 30th im excited