It's taken longer than I've wanted and the journey has not been without frustration, but I've taken my agency from being a health insurance agency that also offers life insurance to being a life insurance agency that also offers health insurance.
Several things prompted the change. Most important was the realization that although I saved my customers hundreds and often thousands of dollars on health insurance, I had the potential to create and save tens or hundreds of thousands of dollars for them and their families with life insurance, annuities, and IRA's. That's thrilling to me and my clients.
The increasing regulation of the health insurance industry, especially with Medicare, has been a factor also. Because of all the hoops I have to jump through, extra documentation, and time spent on claims issues, I'm fairly sure I'm making less than minimum wage on health insurance sales. I haven't calculated it out. Better things to do with my time.
I'm focussing on life insurance because I believe in it. Nothing else has the power to protect families that life insurance does. And nothing's more important than family.
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7 comments:
It's nice to hear that you're trying to help and look out for the people who turn to you for insurance.
Helen
Straight From Hel
Blogger Girl says to bug you about posting for NaBloWriMo!
And I have enjoyed all the information you have here when I stopped by the other day.
Yes, if you post it, we will read.
Post...post...post... Something actual. Something actuarial even.
I'm sending a note to get those fingers typing - it's OCTOBER - we want stuff to read, I say!!!
Tell us more about life insurance. Seriously... My hubby and I want to get this, but it's so expensive. We don't have children, but with our health insurance, life insurance is out of our range right now.
I've been told you need some prodding to get your NaBloWriMo grove started.
*prods*
It's an awesome thing that you're focused on life insurance. It's terrible when someone passes, and their children look at each other and have to ask, Who pays? Even a small amount of insurance can help that.
Prod, prod! Blog, already!
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