WAHM Forums
The WAHM community forum was created to be a place for work at home moms to share their ideas and stories. In the forum you can find information about work at home jobs, starting home businesses, avoiding scams, and surviving the WAHM lifestyle. In support of the WAHM community, WAHM.com also features instructional articles, easy recipes, as well as job and business listings tailored specifically to work at home opportunities.
View Full Version : Insurance Agent
akbogan
08-14-2009, 09:14 PM
I am looking for something I can do from home. Is insurance a good way to go? I would have my own office in the house. I just really need to work from my home office.. Any suggestions? What type of schooling do you need?
Thanks,
Akbogan
Thanks,
Akbogan
ChristinaDennis
08-15-2009, 07:05 PM
You can work your own Business with Ameriplan, they offer Discount Benefit plans on things like Dental/Medical. They aren't insurance just discount plans but you can use them with insurance. Might be worth checking out, it's your own business so you would be working from home and on your time.
Cornelius
08-16-2009, 12:59 PM
Akbogan let me know what state your in and I will will give you some licensing information. Yes you can work out of your home. Feel free to pm me.
prairie27
08-19-2009, 10:28 AM
Hi Cornelius,
I am interested in licensing info too. I live in South Dakota. ANY help is greatly appreciated - I'm not sure how to begin. Thanks, Tonia
btwhit@itctel.com
I am interested in licensing info too. I live in South Dakota. ANY help is greatly appreciated - I'm not sure how to begin. Thanks, Tonia
btwhit@itctel.com
Cornelius
08-19-2009, 11:02 AM
You can get the licensing requirements from your state insuranc dpartment web sites.
State Web Map (http://www.naic.org/state_web_map.htm)
For SD licensing info: Division of Insurance (http://www.state.sd.us/drr2/reg/insurance/producer/producerinformation.htm)
You will have to take a prelicnsing course which can be done online.
Division of Insurance (http://www.state.sd.us/drr2/reg/insurance/producer/prelicensing.htm)
Then test..To more specific information you can contact your state insurance department.
One major question is what lines of insurance are you considering. It's much easier for someone to work from home with a Life/Health license than it is with a P/C (Homeowners and car insurance).
I don't know if you need to be sponsored by a company to become licensed, but that's something you can ask the state about. I hope this helps..
In short. The licensing process in most states is a pre-licensing course (which can be done online in many states) and then the state test..After that it's basically just a case of finding companies to represent. It's not an easy industry, but it can pay real well...The hard part is talking to people. Some people just can't do it..
State Web Map (http://www.naic.org/state_web_map.htm)
For SD licensing info: Division of Insurance (http://www.state.sd.us/drr2/reg/insurance/producer/producerinformation.htm)
You will have to take a prelicnsing course which can be done online.
Division of Insurance (http://www.state.sd.us/drr2/reg/insurance/producer/prelicensing.htm)
Then test..To more specific information you can contact your state insurance department.
One major question is what lines of insurance are you considering. It's much easier for someone to work from home with a Life/Health license than it is with a P/C (Homeowners and car insurance).
I don't know if you need to be sponsored by a company to become licensed, but that's something you can ask the state about. I hope this helps..
In short. The licensing process in most states is a pre-licensing course (which can be done online in many states) and then the state test..After that it's basically just a case of finding companies to represent. It's not an easy industry, but it can pay real well...The hard part is talking to people. Some people just can't do it..
Carley Johnnie
09-17-2009, 07:16 AM
This question in my opinion will vary depending on the region which you operate.
Captive brokers have their benefits however; varies depending on the competive environment and product itself. For instance, a small town environment is a great place for a captive broker as competition and carrier availability is normally limited. Larger cities however; have multiple carriers, brokers and product and find more conflict with captive situations.
My logic is that an independent agent with more options to their clients is better suited then an agent with one remedy. The consumer is more educated and demands more then one option.
I am a territory manager for a major health insurance carrier on the west coast. We do not offer any captive broker arrangements. The independent agents and firms are forcing a lot of captive agents out of their arranagements because the customer is forced to shop out other brokers when big increases or service issues hit. If you had multi-carrier assets you can just move them to another carrier to retain your customer.
Captive brokers have their benefits however; varies depending on the competive environment and product itself. For instance, a small town environment is a great place for a captive broker as competition and carrier availability is normally limited. Larger cities however; have multiple carriers, brokers and product and find more conflict with captive situations.
My logic is that an independent agent with more options to their clients is better suited then an agent with one remedy. The consumer is more educated and demands more then one option.
I am a territory manager for a major health insurance carrier on the west coast. We do not offer any captive broker arrangements. The independent agents and firms are forcing a lot of captive agents out of their arranagements because the customer is forced to shop out other brokers when big increases or service issues hit. If you had multi-carrier assets you can just move them to another carrier to retain your customer.
