I am an agent with the company and have some concerns.
Every year the company awards the top agents a trip to Homecoming. At Homecoming the president announces new products in order to help people. Eery year I go thinking it will be my last until my hope is renewed once again with a better product.
This year was the biggest break through with the company. We are moving to an anual (1) deductible and 90% coinsurance - not bad heh? But this plan will only be available with some states. CALIFORNIA will probably never get any of their CARE ONE products approved even though they were introduced two years ago to the company - so CA as of now does have yuck plans.
Here is the thing, I am torn. The products get pretty good when you add on certain riders especially ancillary products (CASH Income). But specialist services only are covered in prevantitive plus rider maxed out at 8k if you do not use the plan for 8 yrs and before my clients cancel with the rate increases every year.
My pay is always altered by taken rate, even though 95% of the time it is out of my control.
I owe the company over 30K so I cant just walk away because I found out that I have been living on loans.
Independent brokers out there kinda perk my interest, but I do not know how that really works or even how to get started doing that.
I am scared to follow up with clients that I have written up a few yrs. Back because I think they would have problems with their plan and i can not help. I do get sales 90 -100% closing rate but I give them what they want and sometimes I know it sucks - but something is better than nothing
If anyone knows a way out or if there is a better way in helping people please respond back. Do independent brokers get paid more only to owe the companies they represent more because commissions are higher?
Do they still have to buy leads and set there own appointments and burn through so much gas to keep getting stood up?
If anybody knows help becaue I want out
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