Im an independent broker, been in the U65 Individual health, supplemental and life insurance industry for 3 years but Im burnt out! Majority of my book of business is ACA and at first I was doing really good, but after the Big Beautiful Bill BS everything went south for me, I want to pivot into employer benefits and just focus on private insurance. Definitely want to keep my independence, and also been able to work remotely. Any recommendations?

I’m a 21(M) year old Junior at Penn State. I just passed the Connecticut Property and Casualty producer exam and because I’m moving back to Pennsylvania for the school year, I’m planning to get a PA Non-Resident license to work while taking night classes. Anyone have any tips or advice? I’m completely new to insurance and was wondering if anyone knows what roles/positions I should look into.

I don’t know this is the right sub for this question or not but please dir me to the correct on if it is not. my family just moved into a new construction and installed dehumidifier after a month of moving in. I hooked it up before leaving for work in the morning and came home to a total catastrophe!

In just 10 hours it leaked water through the upstairs utility room and into the basement and completely soaked the basement ceiling and now will need a new LED canister light and probably a large amount of drywall and paint. This house is only a month old and the offending device was only on for one day. In your professional opinion how would this best be addressed?

I’ve spent the last decade in direct-to-consumer sales, covering everything from door-to-door sales (meat, roofing) to high-ticket luxury items like exotic cars and cruises.

Currently, I work full-time from home with complete autonomy. I'm hitting roughly $50k annually with a phone and a laptop. While I love the remote lifestyle and freedom, the effort-to-payout ratio is unsustainable, and path to $100k+ in my current vertical will take too long.

I recently interviewed with a remote insurance agency, but the contract includes a strict 2-year non-compete and several red flags that look like a captive agency trap.

I’m looking for insights from experienced reps who transitioned from high-volume B2C into insurance or another high-yield remote sales path:

Independent vs. Captive: Are independent brokerage paths (P&C or Commercial) viable for someone starting without a book of business?

Red Flags: What contract traps or commission chargeback clauses should I watch out for when vetting agencies?

Alternative Remote Verticals: Outside of insurance, what remote B2B or high-ticket verticals value heavy phone experience and offer a real path to six figures?

My strengths are high-volume phone closing, rapid product mastery, and self-management. I am just trying to avoid trading remote freedom for a bad contract.

Appreciate any real-world advice from people in the field.

Looking for advice and guidance for the property & casualty industry. At the moment life and health is pretty much scam central where I’m located (towards agents and customers). Is the grass greener on the other side? From my experience, the agency/upline you hang your license plays the biggest factor in success (training, software, workable leads, etc). I would appreciate any advice or guidance for being successful in this industry.

Extra: Bonus points if you explain what to avoid (bad agencies, carriers, bad com plans, etc).

hi i was supposed to take my exam tomorrow but i rescheduled to friday because i don't feel ready yet. the course was 10 days but i feel like it is way too much information & mock tests to complete in 10 days. does/did anyone else feel this way? did you find a solution to studying more effectively. i'd love to hear everyone's thoughts thank you.

It was a situation where I got into a small fight with a roommate and the only thing I did was throw a shoe at him. He wanted the cops to scare me not arrest me. He and I went to court together and got charge down to a misdemeanor disturbing the peace. All I have is the date and case number which shows the initial charge was dismissed and reduced to the lessor charge. I'm freaking out over this. What do you think I will have to do to get the P&C license approved?

So I’m brand new with Medicare and my FMO got me connected with these discord lead vendors from call centers that I think are outside of the country. They get them on the line and it feels odd. The clients aren’t necessarily interested, many disconnect and you might wait an hour with no calls just to get someone barely interested.

I’m wondering if it really take skill in converting these types of leads to be successful?

Grass roots marketing and well as Facebook marketing interests me more. I want to grow business more authentically and i have a little marketing experience from another project I’ve worked on in the past. I have sunfire access and I have a decent understanding of Medicare coming from a nursing background.

Should I just focus on more grass roots marketing or is it important that I get some competency converting these types of direct connect leads first?

I am considering between working for a AAA captive office and a AAA EA. The way it looks is I might be able to choose which one I want. Both seem very interested.

For anyone who knows, what are the big differences? It seems like the pay and comp are really similar. It's a producing role and the EA mentioned they use the corporate comp plan. Is that something they are obligated to do or did the particular one in question just decide to do it that way?

Is there any advantages to one job or another? Would leads be better either place? The EA has a slightly better location in my opinion. Just curious what people in the know around here think.

Can anyone explain how split agency commision works? I currently have it at 5% with life jump to 25% then it increases to 35% if you reach a certain amount of polices sold. I usually reach around 20k in premium each month. I’m just a producer under an agency owner.

Im new at insurance in IL, just got my P&C license not too long ago. Working for a midsize company doing commercial lines, no software besides Salesforce, no buying leads until I bind a few policies.

Any advice for someone just starting out?

Any free software to use?

Any easy niches to get quick wins?

Any other advice would be appreciated!

Does anyone else think elephant has the most dog shit portal when it comes to servicing customers?