Any insurance agents?

[JITB]

I have a interview with a insurance agency for this position. Ive been reading about the job, and trying to figure out if insurance agent jobs are commission based? The company is United American Insurance, anyone worked for them before or dealt with them?

[2.0civic]

why does united american sound familiar?? atleast it isnt primerica...

[2.0civic]

but yes, most are commission based like any sales job

[SniperJoe]

Most insurance agents are on commission only. Haven't heard of that company, though. Just watch out that they don't make you pay your own expenses (rent, supplies, education, etc.)

[JITB]

Most insurance agents are on commission only. Haven't heard of that company, though. Just watch out that they don't make you pay your own expenses (rent, supplies, education, etc.)


yea a friend of mine, went thru the same crap ur talkin about, they wanted him to pay 100+$ for study guides and practice tests.

[B18c1Turboed]

Nope, I have worked for Statefarm, Nationwide, & Allstate and at all 3 i was salary based!!
Some will give you a Salary plus commission. I worked at nationwide insurance last and that agent gave me a set Salary and 10% of commission!!

[JITB]

Nope, I have worked for Statefarm, Nationwide, & Allstate and at all 3 i was salary based!!
Some will give you a Salary plus commission. I worked at nationwide insurance last and that agent gave me a set Salary and 10% of commission!!


i was thinking since i will be in a office that there would have to be a salary with commission. I think u gave me my policy for my protege aloooong time ago at nationwide on memorial drive?

[B18c1Turboed]

i was thinking since i will be in a office that there would have to be a salary with commission. I think u gave me my policy for my protege aloooong time ago at nationwide on memorial drive?


Yup that was me!! When i worked there i was straight salary based, then i moved to another NAtionwide office and got Salary plus commission!

Sometimes you ahve to write so many policies then after that you get commission.

But yea i rememeber you, you wanted insurance so you could drive to Nopi nationals!!!

[2.0civic]

lolol small world

[thinkfast®]

SALARY + COMMISION IS TYPICAL

SOME WILL LET YOU IN ON A PERCENTAGE OF COMMISSION, WHILE OTHERS WILL LET YOU START YOUR OWN BOOK OF BUSINESS, YOU LEAVE, YOU KEEP THE CLIENTS.. ALL DEPENDS ON THE COMPANY BRO

[LiveaxleLS1]

I'm an independent agent. My last job was salary + commission + benefits. Pretty good arrangement. Anyway, don't go on straight commissions if you can help it. If you do, I'd say to take a look at what all it entails.... generating your own leads is very tough stuff, unless you know someone at a dealership or something.

the market is SOOOO competitive right now for P&C... well, atleast where I was that is (Covington Hwy)...

I'm wanting to try to, perhaps, get a job at another agency at some point... some place less ghetto if at all possible, any of you guys have experiences in nicer areas?

oh yea, and as an auto/home Agent - EFT is your best friend! don't let anyone else fool you!

[thinkfast®]

IM A PERSONAL LINES UNDERWRITER AT AN MGA IN ALPHARETTA, THERE ARE A FEW LARGER PREFERRED/STANDARD AGENTS IN THIS AREA THAT ARE ALWAYS HIRING

[gtikid]

IM A PERSONAL LINES UNDERWRITER AT AN MGA IN ALPHARETTA, THERE ARE A FEW LARGER PREFERRED/STANDARD AGENTS IN THIS AREA THAT ARE ALWAYS HIRING

So you do what? :thinking:

[2.0civic]

so how hard is it to get into this and whats the general starting salary?

[gtikid]

so how hard is it to get into this and whats the general starting salary?

:stupid: ...:D :yes:

[thinkfast®]

HOW HARD IS IT TO GET IN AN AGENCY YOU ASK? WHAT IS YOUR QUESTION

THE INSURANCE GAME IS ALWAYS PAYIN GOOD DINERO, YOU GOTTA KNOW WHERE TO LOOK!! I STARTED AT A NON-STANDARD AGENCY BACK IN 2000, THOUGHT IT WOULD BE TEMPORARY UNTIL I GOT MY FIRST COMISSION CHECK! LOL.. I HAVE THE NUMBER TO A COUPLE RECRUITERS THAT ARE ALWAYS LOOKIN FOR EXPERIENCED TALENT.. HOLLA BACK!

[B18c1Turboed]

so how hard is it to get into this and whats the general starting salary?

Easy as hell. Most will want you too have your P&C license.Which is easy to get take a 40 hour class and pass a state exam. And then apply for your license.
You must have a agent sponsor you to do that.
Then after that it goes by expirence!!!

Insurance is really really easy as long as you stay on top of the laws and so forth. And know what the guidelines are, becasue you can write a policy and have a UNderwriter reject it and cancel the policy.

So you have to just know the guidelines of writing new business.

[gtikid]

HOW HARD IS IT TO GET IN AN AGENCY YOU ASK? WHAT IS YOUR QUESTION

THE INSURANCE GAME IS ALWAYS PAYIN GOOD DINERO, YOU GOTTA KNOW WHERE TO LOOK!! I STARTED AT A NON-STANDARD AGENCY BACK IN 2000, THOUGHT IT WOULD BE TEMPORARY UNTIL I GOT MY FIRST COMISSION CHECK! LOL.. I HAVE THE NUMBER TO A COUPLE RECRUITERS THAT ARE ALWAYS LOOKIN FOR EXPERIENCED TALENT.. HOLLA BACK!

What were you doing when you first started...

[gtikid]

Easy as hell. Most will want you too have your P&C license.Which is easy to get take a 40 hour class and pass a state exam. And then apply for your license.
You must have a agent sponsor you to do that.
Then after that it goes by expirence!!!

Insurance is really really easy as long as you stay on top of the laws and so forth. And know what the guidelines are, becasue you can write a policy and have a UNderwriter reject it and cancel the policy.

So you have to just know the guidelines of writing new business.

What do you mean by writing the policy? Do you guys come up with a different policy for every customer? I dont know how it works haha :D

[B18c1Turboed]

What do you mean by writing the policy? Do you guys come up with a different policy for every customer? I dont know how it works haha :D

Home,Auto, life blah blah blah..
some autos can fall under commercial polices.
Some homes can fall under homeowners, commecrial use,dwelling coverage only, rental property.
i can go on for days but im lazy so i wont!!

[thinkfast®]

What were you doing when you first started...

I STARTED OUT SELLING POLICIES AT A AGENCY, WE HAD PEOPLE THAT KNEW LESS ENGLISH THEN YOU LOL.. NAW MAN PEOPLE COME IN TO BUY INSURANCE, YOU WRITE THEIR INFO UP IN THE COMPUTER, SUBMIT IT TO A INSURANCE COMPANY (WHEN YOU QUOTE SOMEONE YOU USUALLY HAVE A GOOD CHOICE OF COMPANIES) AND AN UNDERWRITER TAKES CARE OF THE REST.. APPROVE IT, CANCEL IT, ASK FOR ADDITIONAL INFO, ETC.. LIKE B18 SAID IT WOULD BE GOOD TO GET A P&C LICENSE, IF YOU ARE WITH A DENCENT AGENCY THEY WILL USUALLY PAY FOR YOUR CLASSES, ITS A 1 WEEK COURSE AND EASY TEST.

[gtikid]

Home,Auto, life blah blah blah..
some autos can fall under commercial polices.
Some homes can fall under homeowners, commecrial use,dwelling coverage only, rental property.
i can go on for days but im lazy so i wont!!

Haha, so then pretty much every customer has a different policy, almost....

[thinkfast®]

^^ OF COURSE MAN, EVERY DRIVER IS DIFFERENT... PRICES CHANGE DEPENDING ON THE CAR, AGE, DRIVING RECORD, ZIP CODE, MARITAL STATUS.. SO ON AND SO FORTH

[gtikid]

I STARTED OUT SELLING POLICIES AT A AGENCY, WE HAD PEOPLE THAT KNEW LESS ENGLISH THEN YOU LOL.. NAW MAN PEOPLE COME IN TO BUY INSURANCE, YOU WRITE THEIR INFO UP IN THE COMPUTER, SUBMIT IT TO A INSURANCE COMPANY (WHEN YOU QUOTE SOMEONE YOU USUALLY HAVE A GOOD CHOICE OF COMPANIES) AND AN UNDERWRITER TAKES CARE OF THE REST.. APPROVE IT, CANCEL IT, ASK FOR ADDITIONAL INFO, ETC.. LIKE B18 SAID IT WOULD BE GOOD TO GET A P&C LICENSE, IF YOU ARE WITH A DENCENT AGENCY THEY WILL USUALLY PAY FOR YOUR CLASSES, ITS A 1 WEEK COURSE AND EASY TEST.


O aite, so then you didn't actually go door to door haha...people came to you and you got commission huh...you start out somewhere good at first or what?

Hey man I can listen to my Ingles Sin Barreras tapes while at work :D

[gtikid]

^^ OF COURSE MAN, EVERY DRIVER IS DIFFERENT... PRICES CHANGE DEPENDING ON THE CAR, AGE, DRIVING RECORD, ZIP CODE, MARITAL STATUS.. SO ON AND SO FORTH

Heh oops, I worded my question wrong. By "writing" yall mean just inputting information huh?

[thinkfast®]

DOOR TO DOOR, MAN WTF YOU THINK WE SELLIN MAG SUBSCRIPTIONS? LOL

YEA MAN I WORKED AT A NORMAL AGENCY, WHERE PEOPLE WALK IN ALREADY WANTIN TO BUY.. ITS UP TO YOU TO MAKE IT HAPPEN.. NAME OF THE GAME IS COST, MOST PEOPLE WANT THE CHEAPEST TO GET LEGAL.. MONEY CAN BE MADE THERE BUT YOU START MAKIN BANK WITH HIGHER PREMIUMS/MULTI-LINE BUSINESS.. LIKE I SAID THERE IS MONEY TO BE MADE HERE HOMEY

[thinkfast®]

Heh oops, I worded my question wrong. By "writing" yall mean just inputting information huh?


YEA, YOU "START" A POLICYFOR EM

[gtikid]

DOOR TO DOOR, MAN WTF YOU THINK WE SELLIN MAG SUBSCRIPTIONS? LOL

YEA MAN I WORKED AT A NORMAL AGENCY, WHERE PEOPLE WALK IN ALREADY WANTIN TO BUY.. ITS UP TO YOU TO MAKE IT HAPPEN.. NAME OF THE GAME IS COST, MOST PEOPLE WANT THE CHEAPEST TO GET LEGAL.. MONEY CAN BE MADE THERE BUT YOU START MAKIN BANK WITH HIGHER PREMIUMS/MULTI-LINE BUSINESS.. LIKE I SAID THERE IS MONEY TO BE MADE HERE HOMEY

Hahaha handing out jehova's witness brochures :lmfao:

So insurance is like the same as everything else huh, yall give them the highest premiums and then go down....

[thinkfast®]

NO MAN, NOT THE HIGHEST PREMIUMS, I MEAN SOME AGENTS WORK LIKE THAT BUT YOU HAVE PEOPLE THAT WILL WALK RIGHT OUT IF YOU CANT BEAT THE GUY NEXT DOOR BY $2

[gtikid]

NO MAN, NOT THE HIGHEST PREMIUMS, I MEAN SOME AGENTS WORK LIKE THAT BUT YOU HAVE PEOPLE THAT WILL WALK RIGHT OUT IF YOU CANT BEAT THE GUY NEXT DOOR BY $2

Sounds like something I might wanna do haha...did you start at one of those "Seguros para Todos" "Life Seguros" hispanic places? :lmfao:

[2.0civic]

NO MAN, NOT THE HIGHEST PREMIUMS, I MEAN SOME AGENTS WORK LIKE THAT BUT YOU HAVE PEOPLE THAT WILL WALK RIGHT OUT IF YOU CANT BEAT THE GUY NEXT DOOR BY $2

shit son, i know how that is.

I got a resume if you want to pass it to a recruiter...been in sales for 3 years and could sell ice to an eskimo... :)

LMK about them recruiters. I might have to buy you some wings tuesday lol

[thinkfast®]

COOL MAN, JUST LET ME KNOW.. THESE RECRUITERS ARE STRICTLY IN THE INSURANCE FIELD, AND THEY CAN FIND ANYTHING FROM AGENCY JOBS IN P&C, COMMERCIAL, AVIATION, TO UNDERWRITING IN THOSE SAME LINES AS WELL, AND MORE.. THEY GOT EVERYTHING BRO

[thinkfast®]

Sounds like something I might wanna do haha...did you start at one of those "Seguros para Todos" "Life Seguros" hispanic places? :lmfao:

NO WAY JUANCHO.. I WAS AT A TYPICAL AGENCY, WROTE A LOT OF BUSINESS, BUT RELIED HEAVILY ON THE SPANISH CLIENTELE.. NEEDLESS TO SAY I RACKED UP ON PAYDAY FOR A WHILE, BUT SHIT GETS BORING WHEN YOU CANT GO NOWHERE ELSE.. I NEEDED A CHALLENGE SON! LOL.. ITS EASY THO MAN, I REALLY WANT TO OPEN MY OWN AGENCY SOON.. WE'LL SEE WHATS UP

[2.0civic]

COOL MAN, JUST LET ME KNOW.. THESE RECRUITERS ARE STRICTLY IN THE INSURANCE FIELD, AND THEY CAN FIND ANYTHING FROM AGENCY JOBS IN P&C, COMMERCIAL, AVIATION, TO UNDERWRITING IN THOSE SAME LINES AS WELL, AND MORE.. THEY GOT EVERYTHING BRO

yeah definately...since i stopped working saturdays, im losing $500 a month so i gotta either find something making more $$$ full time or find a weekend gig

[2.0civic]

NO WAY JUANCHO.. I WAS AT A TYPICAL AGENCY, WROTE A LOT OF BUSINESS, BUT RELIED HEAVILY ON THE SPANISH CLIENTELE.. NEEDLESS TO SAY I RACKED UP ON PAYDAY FOR A WHILE, BUT SHIT GETS BORING WHEN YOU CANT GO NOWHERE ELSE.. I NEEDED A CHALLENGE SON! LOL.. ITS EASY THO MAN, I REALLY WANT TO OPEN MY OWN AGENCY SOON.. WE'LL SEE WHATS UP

Serious question though...whats the markup on insurance? like what does it cost to actually "register" with the state? car wise

[B18c1Turboed]

BUT RELIED HEAVILY ON THE SPANISH CLIENTELE..


I still rely on them and I make Bank.. Are book of buisness is a little over 6 million now.One thing about mexican they pay on time every month!!! :goodjob:

[B18c1Turboed]

Serious question though...whats the markup on insurance? like what does it cost to actually "register" with the state? car wise

What do you mean mark up? We cant mark the prices up at all.
The insurance companies pay us once a month!!

Say we write a policy for 1000.00 we get 13% of that every 6 months!!!

[2.0civic]

nah i mean like if i pay (well use roung numbers) $150 a month on insurance, how much of that "keeps you legal" in the system and how much is mark up?

I guess a better phrase is what does it cost the insurance company to actually legalize the vehicle. is it a flat fee or does it vary?

im confusing myself

[thinkfast®]

nah i mean like if i pay (well use roung numbers) $150 a month on insurance, how much of that "keeps you legal" in the system and how much is mark up?

I guess a better phrase is what does it cost the insurance company to actually legalize the vehicle. is it a flat fee or does it vary?

im confusing myself

it all comes to us homey, "US" being the insurance company! there is no flat fee, you are paying to transfer the risk of an accident to us, nothing else. We send a record to the state w/ every new policy/renewal/endorsement and that shows them your policy is active, but there is no "fee" or charge.. like homeboy said there is a percentage each agency gets per month, and thats it

[B18c1Turboed]

nah i mean like if i pay (well use roung numbers) $150 a month on insurance, how much of that "keeps you legal" in the system and how much is mark up?

I guess a better phrase is what does it cost the insurance company to actually legalize the vehicle. is it a flat fee or does it vary?

im confusing myself


Too be legal in the state of georgia you must show insurance, the insurance company dont pay the state anything.So there is no mark up.

Insurance really protects you and the other drivers and helps the courts keep lawsuits out of there system.

Insurance is too make a person whole again after a accident, thats why its required,its not required so the state makes money!!

[thinkfast®]

I still rely on them and I make Bank.. Are book of buisness is a little over 6 million now.One thing about mexican they pay on time every month!!! :goodjob:

sounds like a good book man! how many companies you guys write with?

[2.0civic]

gotcha so everything the insurance company makes off me, just pretty much pays them to pay if i have a wreck and to push paper but nothing is actually paid to legalize my car with the state?

[gtikid]

NO WAY JUANCHO.. I WAS AT A TYPICAL AGENCY, WROTE A LOT OF BUSINESS, BUT RELIED HEAVILY ON THE SPANISH CLIENTELE.. NEEDLESS TO SAY I RACKED UP ON PAYDAY FOR A WHILE, BUT SHIT GETS BORING WHEN YOU CANT GO NOWHERE ELSE.. I NEEDED A CHALLENGE SON! LOL.. ITS EASY THO MAN, I REALLY WANT TO OPEN MY OWN AGENCY SOON.. WE'LL SEE WHATS UP

My cousin opened up his own agency not too long ago. He said it was hard at first getting people to come to you...

Damn you wanna open up your own agency :goodjob: ...you gonna get P to get all the black people? :lmfao: ....o yea, what am I talking about, they don't have insurance :lmfao: :lmfao:

[2.0civic]

it all comes to us homey, "US" being the insurance company! there is no flat fee, you are paying to transfer the risk of an accident to us, nothing else. We send a record to the state w/ every new policy/renewal/endorsement and that shows them your policy is active, but there is no "fee" or charge.. like homeboy said there is a percentage each agency gets per month, and thats it

damn you answered that well!

[thinkfast®]

gotcha so everything the insurance company makes off me, just pretty much pays them to pay if i have a wreck and to push paper but nothing is actually paid to legalize my car with the state?

thats right. the state is not making money from insurance, they only situation they get paid would be if you have a lapse, cancel, or no insurance.. if you want to have your car registered legally you will have to pay a fine and have insurance.. fines are usually $30-85

[B18c1Turboed]

sounds like a good book man! how many companies you guys write with?

For Auto we go thru 3 companies,but for commercial and home we have have 4 or 5 companies we go thru.

[thinkfast®]

My cousin opened up his own agency not too long ago. He said it was hard at first getting people to come to you...

Damn you wanna open up your own agency :goodjob: ...you gonna get P to get all the black people? :lmfao: ....o yea, what am I talking about, they don't have insurance :lmfao: :lmfao:

advertisement helps man, and gettin on the grind.. I managed an agency for a couple years and I had a few people under me, but I was still hittin up everything I could.. passing out business cards, hittin dealerships w/ applications, flyers.. hell we even had a 30 second spot on Univision lol.. but once we hit the yellow pages and the spanish newspapers, we blew up! went from writing 75 policies a month to 300..

[thinkfast®]

o yea, and Im tellin Pierre you said that lol

[TIGERJC]

thinkfast, can I send you my resume in hopes that you may pass it along to some recruiters?

[gtikid]

Yo Ricky, these recruiters you know, are they located in good spots with good business?

[2.0civic]

Yo Ricky, these recruiters you know, are they located in good spots with good business?

word lol

[thinkfast®]

these recruiters (2 different ones Ive used) both have good track records and came highly recommended.. they can find you an agency job at a high dollar agent, probably starting off as a producer, or if you have experience/licenses you can apply for pretty much anything.. they work with all kinds of companies in the insurance game.. I went from a aviation underwriter interview one day, to the position Im at now working as an Underwriter in personal lines.. Let me know who's interested, send me a good resume to

[email protected]

[Hektik]

what kind of experience are they ussually looking for and what is an average starting pay for some on with minimal to no expereince ....

just curious.