r/InsuranceAgent

Our boss, the agent, let us close the office at noon yesterday because of Good Friday to take the rest of the day off. But here’s the issue. She wanted one of us to check the office voicemails (me) from home on our cell phones and call anyone back who really needed assistance. Yet we were not told to take our laptops home. Without laptops we can’t service our clients other than giving them 24hr service numbers for things like claims. (Numbers they themselves have access to by either listening to our voicemail message or going online.) And I’m absolutely not going to ask her if we should take them home because that’s asking to work from home on what is supposed to be a day off.

I had to at least “check them” because boss would know if we didn’t due to not being cleared out. So I did just that. “Checked” by listening briefly and saving them for Monday. But one customer was absolutely frantic. Left 3 or 4 voicemails in a panic because he couldn’t remember if he let us know he wanted to cancel his auto policy and was beside himself that money would get pulled if not. And he didn’t have the money available. I felt bad but I didn’t call him back. I wouldn’t have been able to help him. I had zero way of checking to see if his policy was canceled, other than driving back to the office. Which was absolutely not happening. At most it would have been “hey I am calling to let you know I got your voicemail but I can’t tell you for sure if your insurance is canceled or not because I have no access to it. Sorry…I hope you have a nice weekend…”

So I just let it go.

My opinion on this “check voicemails” nonsense while giving is the day off is nonsense anyway. That’s not really a day off. And if anyone should be checking office voicemails from home and responding to urgent calls, it needs to be the agent. Not her employees.

Thoughts?

Hey everyone, I work on the tech side of insurance and have been talking with a lot of agency owners lately about what’s actually working (and what’s not).

Honestly, the answers are all over the place.

Some agencies love their setup. Others are paying for 5 different tools and barely using half the features.

A few patterns I keep hearing:

• Clients still call for ID cards, even though there’s an app
• Renewal workflows are mostly manual, even with a solid AMS
• Agencies bought a CRM… and the team just never adopted it

So I’m curious what has actually made a real difference in your agency?

Could be software, a process change, or even something simple that just clicked.

And on the flip side what did you invest in that you regret?

No wrong answers. Just looking to learn from people in the trenches every day.

So, first of all, I wanna start out by saying I really am not a life insurance agent. Well, that’s actually not true. I do have my license. I am contracted with carriers, but my whole career has been IT. My life insurance agent story started a couple years ago when a friend of mine who is a life insurance agent kept telling me “you could make a lot of money if you just became a life insurance agent“ after a while I ended up changing jobs once I started with that new job. I ended up having a waiting period at the beginning to wait for required trainings and some other paperwork where I couldn’t do my IT job so I studied to become a life insurance agent.

Now that I had become an agent, I had to figure out what was next. The whole point of being becoming a life insurance agent was to make money by selling life insurance, but how? I ended up getting hooked up with a senior agent and he showed me a method to generate my own Leads and before long I was talking to all these people many of them booking directly to my calendar as I had open spots around my regular work meetings. There was just one problem. I found out that I am not a sales person or maybe not a good sales person. So my ABC did not mean always be closing. My ABC was always be chattin. What I did do though was making several improvements to the CRM that I was using and the workflows and I was having a ton of fun doing that so being a life insurance agent was more of a hobby that was costing me money instead of making me money.

I find myself here at a crossroads two I try and figure out how the heck to sell the people? Or do I do something else? Hang it up? That seems wasteful as I’ve put in a lot of work to get this far. I’m curious to the other agents out here. Would it be something of value if I my own CRM and help people generate their own leads? I really don’t know. I do know that I’m not going to be in a life insurance agent for a career as I don’t know how to force that sales person out of me where I seem to excel is using the technology.

So to the seasoned life insurance agents out here that might read my post tell me would that be something of value to you?

For context I got laid off from working with a smaller agent 2 months ago. Going to work in corporate insurance so I need my 20-44 ( I’ve had my 4-40 for 6months so I prequalify). I passed my 2-14 life & annuity a month before getting laid off so that should give me some sort of confidence right ? 20-44 tips / insight pls ⬇️ ( For context I’m in Fl)

Hey all. I'll make this super short and sweet. I work for an Allstate agency that is 100 percent referral based. Our agency/agent owner does not buy leads at all.

I am currently on the service team and am licensed. I initally applied for a LSP role but because i didn't have any direct writing experience they hired me as a service rep. I'll add that I have about 3 years of p&c under my belt.

do you have any advice as someone in service wanting to get into sales. Should I already be building referral partners on my own? going to networking events?

I just started at the agency in Jan and don't want to be stuck in service forever. What could i do to stand out and make it known that I want to be on the sales team

What’s are some pros and cons working as an account associate? What was your base salary?

I'm working through the onboarding process with American Income Life, aka AO Globe Life, and it strikes me that the structure seems to similar to an MLM. Now, I know that multi-level marketing isn't necessarily always bad, but it is a red flag, so I started looking around. I keep finding conflicting information about it, from some people claiming it's a scam or pyramid scheme to others claiming it's completely legit and above-board. Better Business Bureau has them listed as accredited and legitimate, but the amount that people say it's a scam has got a pit in my stomach. Should I be worried? Or is the negative press a result of their recruitment marketing working a little too well?

I used to treat every objection the same way — just hit it with whatever rebuttal I had memorized. Closed some, lost a lot more than I should have. The shift happened when I realized objections aren't random. They're predictable. And every single one falls into one of three categories:

CONFUSION — The client doesn't fully understand the product, the process, or the value. They're not resistant. They're unclear. The moment you treat a Confusion objection like a Fear objection and pile on emotional pressure, you lose them. They need education, not persuasion.

FEAR — The client understands but is afraid to commit. They've heard you. They get it. But making a financial decision is uncomfortable, and they're hesitating. Pushing harder makes it worse. What actually works: anchor them back to the specific person they told you they're protecting. Return to their why.

DELAY — "I need to think about it" is almost never about thinking. It's one specific unresolved concern wearing a polite mask. The move here isn't to override the delay — it's to find what's actually underneath it. Ask directly: "What Specifically, do you want to think through?" Then stop talking and listen to the answer. That answer is the real objection.

How to use this in practice:

Before you respond to any objection — pause. Identify which category it is. This takes about 2 seconds once you've drilled it enough. Then respond with what that category actually needs.

- Confusion → educate clearly and simply

- Fear → reassure and anchor to their values and the people they named

- Delay → ask the direct question, find the real concern, answer that one

The biggest mistake I see agents make: they have a great rebuttal for the surface objection, but they never identify the category, so they're answering the wrong thing. Client says, "I need to think about it,” and the agent launches into urgency and health rate increases — when the client's actual concern was that they didn't fully understand what

happens to the cash value if they need to access it early. Wrong category. Right words. Still lost the sale. Identify the category first. Always.