The Hard Truth About Captive Agents

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Опубликовано:

20 дек 2022

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Комментарии : 32

@AshleyBailey-fx6gu 20 дней назад

I'm experiencing it now and it does suck. With the big companies you will never own your book of business.

@Inescapabletrades 3 месяца назад

Great content Sir! Just a quick question from someone who isn't in the industry. Why will a customer choose your company instead of working straight with the insurance company?

@floridadad2817 Год назад

This is so true and you can't plan on the acquisition of an insurance carrier by something like a hedge fund and that hedge fund may decide it's time to milk an acquisition for everything it's worth. I'm an independent adjuster. I work for "the insurance companies" but as a contractor. No one carrier owns me. It's for the same reason. Better money and I can fire a carrier if I decide that I no longer want to work with them.

@floridadad2817 Год назад

Another sad reality is the carriers trap captive agents into "loans" for setting up the office, so these captive agents are STUCK in that role until they pay off the loan. You're 2 levels of screwed.

@christheinsuranceguy Год назад

@@floridadad2817 I never actually thought about that. Any debt you take on is a level of responsibility and layer of commitment. Definitely makes it harder to leave. Great insight man, thank you!

@ryanhamilton9405 Год назад

Thanks for the insight man. Looked for a video like this last year when I was looking for an insurance internship. I went with an Allstate and by the end of it, I realized that I need to be independent. Now I’m trying to figure out what products I want to sell.

@christheinsuranceguy Год назад

Indie is awesome man. A lot more work to get it off the ground but once you do it feels great

@yungvlad Год назад

🤣🤣🤣🤣🤣🤣🤣🤣🤣 I LOVE HOW YOU BROKE THIS DOWN. YOU HIT EVERY PRESSURE POINT ON CAPTIVE AGENTS NERVES. ITS TRUE. GREAT VIDEO!!!!

@christheinsuranceguy Год назад

😂 thank you!!

@fromjaxflorida Год назад

I've been thinking of going captive first since I don't have experience in insurance, maybe for a few months just to see and learn from the agents in the office, then I'll go independent.

@christheinsuranceguy Год назад

Yeah that’s a good way to do it!

@our.secret1130 5 месяцев назад

How’s it going

@wesleylatham 5 месяцев назад

Captive is a good way to start and a horrible way to finish. If you don’t want to own your book, stay captive.

@our.secret1130 5 месяцев назад

@@wesleylatham is captive the BETTER way to start though? Thx

@lisa8412 4 месяца назад

Good luck!

@wesleylatham 6 месяцев назад

I was captive with Farm Bureau for 12 years and can’t agree more.

@jayteesgear 10 месяцев назад

Fully agree with your points. The tech agency i was with went back to office FARRR from where I live so I got P& C licensed this year. Im at my THIRD Agency now… Captive agencies do NOT seem to be professional in many ways and im HARDLY being trained. I would like to be independent in time.

@BA-hv7om Год назад

I'm glad the title of "captive" agents is used more often than the synonymous title of "career" agent. The word "captive" is pretty self explanatory. Alrhough it may be the better route for specific individuals, there are strings and regulations attached. Thank you for this video, man

@christheinsuranceguy Год назад

Of course. Just trying to put out raw info. Hopefully this helped 👍

@BA-hv7om Год назад

@Chris The Insurance Guy it absolutely did help. Your channel is awesome

@askjohn6728 7 месяцев назад

Thanks, Chris

@sherrir157 5 месяцев назад

Brand new Life, Accident, & Sickness Agent -- think I may start as a captive Medicare agent - it is quite a tough situation if for 90 days I can't sell insurance for certain companies- but the definite monthly income makes sense - and being that I', brand new to the industry - it sounds more than fair not to mention, If I quit health, I can go into life for those three months and sell without worry about being limited.

@xdiegox140 10 месяцев назад

Currently stuck between staying in a captive agency for life insurance (I'm barely going through the training phase), or switching over to an independent one where I know I have way more flexibility. I just got licensed a month ago and it might be a good idea to stay with a captive agency for a while to learn as much as I can, but I think I'm just gonna go independent already.

@christheinsuranceguy 10 месяцев назад

If you feel ready to make the jump you should do it! I usually recommend minimum 6 months working at an agency to learn the ropes first

@MrMabry-qk3eo 9 месяцев назад

Any recommendations on great non captive fmos

@AdeshSoodeen 11 месяцев назад

Hi Chris, I'm an independent life and health agent who will be getting my P&C license soon. Can you recommend a good upline for contracting with P&C carriers?

@christheinsuranceguy 11 месяцев назад

We use SIAA and they’ve been great for us