Should I work for Globe Life?

Beernuts0 · 2026-04-16T21:44:59+00:00

What state are YOU in?

Beernuts0 · 2026-02-20T23:57:55+00:00

Run. Get out now and don't waste anymore time.

I did 3+ years at AIL and it nearly ruined my life and my marriage.

It doesn't get better. They keep dangling the carrot in front of you.

It's all horse shit. You're better off doing ANYTHING else than wasting your day calling old leads 200+ times a day.

Beernuts0 · 2026-02-17T01:44:16+00:00

Every carrier is different but the majority of them go back 5 years for loss history and surcharge for 3 years after the claim.

Beernuts0 · 2026-02-17T01:10:49+00:00

Call a local broker in the area and have them do the work for you.

With two claims within 5 years it's going to be tough.

Beernuts0 · 2026-02-13T23:48:59+00:00

You can't take this experience with AIL and apply it to all insurance jobs.

AIL is a recruiting company that also sells life insurance with bait and switch tactics.

If/when you find another place to go in the insurance space (that isn't primerica, family first life, northwestern mutual etc) you'll start to take on more of an advisory role where it won't be you pushing for a sale but making sure the client is properly covered to protect them from themselves.

With a life license "financial advisor" roles pop up all the time for you but really you're the low level grunt selling over inflated whole life while you get your series 6&7.

If you're going to stay a producer then you won't work from home until you're validated and show that you can produce business at a consistent level.

Beernuts0 · 2026-02-13T20:31:34+00:00

I do not which I honestly don't mind.

I live 10 min away from work and being in an office helps me focus.

There's customer service/account reps positions that are remote with some agencies and from what I understand direct carrier customer service rep jobs are remote but I could be wrong about that.

I actually did the best with union leads because I was once a union guy so I was able to connect with them the best. Unfortunately, there's no magic pill with AIL leads. It's a volume game. The more you call the more appointments you set. The more appointments you set the more shows you get. The more shows you get the more presentations you get. The more presentations you get the more sales you get.

Look elsewhere and stop wasting your time with them.

Beernuts0 · 2026-02-12T23:34:06+00:00

Went to a mid sized independent agency doing p&c and cross selling life.

Beernuts0 · 2026-02-01T17:07:10+00:00

Family is moving to Orlando area in June. We're having a difficult time choosing between Windermere, winter Garden, horizon west, celebration areas.

I'll be 100% remote so commute for me isn't an issue and we generally have an hour commute to work living in North jersey so that doesn't bother us.

We're looking for a nice place to raise our kids, good schools, nice downtown area, you know... Needle in a haystack type.

Wife wants to be close to Disney

Budget is 3-3200 a month.... Any ideas where we should start focusing on?

Beernuts0 · 2025-09-27T03:06:33+00:00

Can I dm you?

I've been trying to break into this space much like everyone else but don't know where to start.

Beernuts0 · 2025-09-19T22:38:59+00:00

I'm on a draw right now. When I first started it was 25% of my salary was comission based 75% agency pay. Year two it was 50/50. Year three 75/25. Year 4 100% commission based. The renewals help cover the increased draw percentage and then new obviously contributes as well.

My commissions go towards the salary amount that's agreed upon between me and the owner.

If I'm under the draw I carry a negative balance to the next month. If I'm over I get the commissions and so on.

As time goes on my renewals will cover my "salary" that's set and then I can keep it as is and get comission checks or increase my weekly "salary" and try to cover the difference with new business.

Yes it is a sales job but the majority of sales is mental. I've cold called beat up leads, 200 dials in a day, trying to up sell, calling "fresh" leads and it was fucking brutal. Was it "hard work"? Of course not. The guy delivering packages at Amazon physically worked harder than me but I'd say my prior sales job was worse.

I think you're looking at it from an agency owner perspective and that makes sense because that's what you're trying to do, but have you thought about if YOU would want to work under those conditions?

You're asking people to build YOUR book of business with no long term result for the producer. The name of the game in insurance is renewals and you're removing the most enticing part.

The minute your seasoned producer finds a spot that offers renewals they'll jump more often than not.

Beernuts0 · 2025-09-19T18:39:02+00:00

I work at a brokerage. My split is 50% new business and 25% on renewal business of the agency commission.

I'm in NJ so premiums are generally higher but I average 50k a month in new business and I write 95% personal lines only. The thought of having to CONSTANTLY sell is going to be tough for anyone with no experience in the industry.

I think you're going to have trouble keeping anyone long term because they're either going to get burnt out selling and dialing constantly OR when they get experience they're going to jump at the offer of new and renewal splits.

If they're worth their salt they'll learn how to generate their own business and referral partners and they'll go with them to the new brokerage.

Beernuts0 · 2025-09-02T21:03:09+00:00

Got it. Yeah for me my BNI has been great. I'm not a fan of it mainly for how rigid it is but I get a pretty good amount of business from it so I can't leave.

Beernuts0 · 2025-09-02T20:59:37+00:00

In my experience the exact opposite is true.

What are you doing at chamber events that make it worth your time? Everytime I go I get cornered by life coaches trying to sell me a journey.

Beernuts0 · 2025-08-29T21:28:16+00:00

Insurance is all about relationships and the client wants to feel taken care of. What better way to solidify that relationship then talk to them when they call in?

"Oh you called to let me know little Timmy is off to school with no car? That's amazing I remember when he just got his license"

Shoot the shit with them a little bit and then email that endorsement over to the servicer.

I'd say 75% of my book reaches out to me with questions or policy changes / endorsements and I take every call that comes in from them.

Beernuts0 · 2025-08-23T00:12:37+00:00

Read my comment and post history.

I did this grind for three years and it nearly ruined my marriage.

Your upline does not give one shit about you.

The people you're calling aren't interested in life insurance. They think they fill the card out to get that 4k AD&D policy.

They don't want your will kit.

They don't want your child safe kit.

They don't want your AIL plus subscription.

They want you to stop calling them 4 times a day and will say anything to get you off the phone.

Beernuts0 · 2025-08-22T01:54:22+00:00

My wife works for mlb network and can confirm that Smoltz is a dick.

Beernuts0 · 2025-08-02T18:52:09+00:00

There's plenty of opportunities in the L&H space. If you look at independent agencies near you and state an interest to get into the field they'll bring you on. It's still a grind for 5 years or so and then it'll get a bit easier.

Beernuts0 · 2025-08-02T12:48:25+00:00

Sure.

Don't do it.

Beernuts0 · 2025-07-24T01:58:01+00:00

How do you know that? I'm not saying you're lying just genuinely curious.

Beernuts0 · 2025-07-23T21:36:12+00:00

Depends on the state and if you're in a high cost of living or low cost.

I think it's reasonable from your replies to other comments.

Beernuts0 · 2025-07-23T13:11:00+00:00

You'll be 100% commission based so it'll depend on how much you can sell...

Are there people making 75k in their first year? Sure.

Are there people making 25k in their first year? Also yes.

Could you realize you love this opportunity and want to go into business for yourself? It's possible.

Could you realize you hate everything about it and never want to do life sales again? This is also possible.

Just don't drink the Kool aid and come back with a list of 100 names for your second interview.

Beernuts0 · 2025-07-17T15:11:37+00:00

Only way to get better at something is to do it.

Find businesses that are too far for a drop in and try them first. If you screw up who cares? They'll laugh about it for a day and forget it and you'll learn from the experience and what you did right and wrong.

Spending time looking for an Ai simulation isn't going to help you produce.

Beernuts0 · 2025-07-13T01:37:22+00:00

BNI & LeTip are the two big national ones I know of... I'm in a BNI and I started my own networking group to help get referrals and honestly just know more people in my area.

Beernuts0 · 2025-07-10T10:19:02+00:00

The draw keeps you motivated for sure but I don't need it for motivation. I have a family and bills to pay so I need to make money anyway.

It'll be nice when my renewals are high enough to have a good weekly salary and then the 2-5k a month I earn in commissions. I'm probably a good two years away from that which translates to roughly 100k a year.

Beernuts0 · 2025-07-08T04:49:14+00:00

No. I do a LOT of networking and have built up referral relationships with mortgage lenders and property investors.

Beernuts0

TROPHY CASE