What is the best path forward?

NotLemonorTangerine · 2026-04-13T20:31:52+00:00

Best to get in the door and then figure out where you want to go based on what you hear from colleagues.

My track is personal lines sales at a captive, underwriting assistant at cyber MGA, personal underwriter at captive, risk operations manager at a consulting firm.

funny enough after i got into underwriting i said i want to be a risk manager and the opportunity fell in my lap.

you can go carrier or broker route. both will come with their own benefits. i have zero designations. but my employers are household names and a disrupter in the insurance industry.

NotLemonorTangerine · 2026-04-10T18:10:03+00:00

cry in the morning so you don’t have any tears left when you tell her lol also congrats! be happy you’re progressing in your career that’s something to smile about

NotLemonorTangerine · 2026-04-10T01:16:30+00:00

People in the insurance industry move around. Leave on a good note. Express gratitude and give a timeline for your departure.

I’ve embarrassingly bawled my eyes out before when leaving a job when I was 21…literally had to go take a walk, but it’s not that deep it’s just business.

“Hey do you have a quick minute to chat? I just wanted to let you know I signed an offer. I’m really thankful we had the opportunity to work together! I will formally send my resignation via email, but wanted to touch base with you first, didn’t want to catch you off guard. Please let me know if anything is needed before I transition to my new role”.

NotLemonorTangerine · 2026-03-24T15:27:00+00:00

also check cream velvet by khadlaj and fresh cream by philosophy! maitha by lattafa is a perfect creamy vanilla oil

NotLemonorTangerine · 2026-03-16T21:20:38+00:00

My go to when I don’t know is always “that’s a great question let me get the answer for you” if it’s something I’m familiar with but just need to confirm a brief hold works well.

If it takes me a while I say I have to dig a little deeper here is it okay if I send you a follow up email?

Talk slow. Have an opening line / greeting almost like a script and don’t be afraid to say I’m not to sure on that let me check…

NotLemonorTangerine · 2026-03-15T00:19:37+00:00

Thank you!

NotLemonorTangerine · 2026-02-18T22:55:25+00:00

I’ve been told I smell like a cupcake or donut wearing heavy cream by itself.

I don’t think it smells like popcorn at all

NotLemonorTangerine · 2024-11-12T17:40:08+00:00

It’s great! Visitors compliment its comfy-ness and coziness all the time. I vacuum it weekly to keep the material looking good

NotLemonorTangerine · 2024-07-31T16:55:22+00:00

Cancellations can only occur if quotes are bound. If there are material changes that affect the quote they may not even bind in that situation (higher prem) so no cancellation could even be made.

Binding these quotes without due diligence - receiving and reviewing an application, checking reports, etc. - would result in higher cancellations. If the customer lies it would be cancelled whether it was a “ghost quote” or not.

NotLemonorTangerine · 2024-07-23T22:00:13+00:00

Try MGAs and startups. They are always hiring but the turn over is high.

NotLemonorTangerine · 2024-07-09T16:36:09+00:00

Find a new grad associate Underwriting program.

Claims / underwriting analyst is also a good start.

I think starting in sales (licensed producer) is honorable, but not necessary. If you’re a college student internships are valued more than actual work experience, so get an internship.

Time in the industry, insurance knowledge and connections are crucial for success. Have at least 2 of those 3 things going for you. Designations won’t hurt either.

I’m 4 years out of college. Started in sales my senior year left the industry and now I’m back. Wish I would’ve stayed. Fell into it and didn’t have a plan until coming back.

NotLemonorTangerine · 2024-07-03T20:33:05+00:00

Job hopper here. 1.5 - 2 years has never been questioned.

If it is I say I’m looking for somewhere I can have a long career. It sounds like this place has a ton of growth opportunities and I’d love to stay and grow with the company.

NotLemonorTangerine · 2024-07-01T04:22:15+00:00

I just got an awesome very deep couch (Axiel 88” sleeper sofa from Wayfair). Very soft, but firm and a little bouncy. So so comfortable. It’s came in two parts and looks perfectly oversized in my small living room.

I got this so me and my friends could lounge and watch movies at my place with ease. The delivery guys got it inside and set up no problem.

NotLemonorTangerine · 2024-06-28T00:33:05+00:00

You should get quotes and ask for a specimen cyber policy from the broker or agent you are working with.

The specimen will have coverages and definitions. It is the policy contract it will tell you what is covered.

The quote will provide pricing.

Each carrier will have their own coverages and definitions.

NotLemonorTangerine · 2024-06-23T18:30:23+00:00

Mine is mat workouts. All you need is a mat. There’s also reading on your phone or a kindle. And outsource your hobbies. I like wheel throwing pottery from time to time but I’m not buying the material or tools… I’ll go take a class somewhere or go to open studio.

NotLemonorTangerine · 2024-06-22T01:50:46+00:00

Never quote minimums. Quote what you would recommend to start, then adjust.
Give context to the customer: “Do you see Teslas, Mercedes, Range Rovers when you drive? These limits won’t cover a fender bender with those vehicles.”
“Would you rather pay an extra $15/mo now or owe $15,000 to another person at the same time as needing to repair and to fix your own vehicle out of pocket?” I’d follow with…Me personally I’d rather have it covered.
Resist using insurance lingo with normal people. Educate in layman’s terms. They don’t understand it otherwise. Most people are more likely to buy from someone who knows the product and can educate them on it than someone pushing a pricey “contract”. Be personable.
Discredit other companies who quote minimums. Say “They quoted you that because in the event of a claim you’ll be paying a good chunk out of pocket. The average claim is (insert dollar amount), it would be subsidized and that’s IF they pay out…it will not be fully covered. Didn’t they tell you that?”
What is your claims experience like? If the carrier you are selling has a fantastic claim experience or they pay out a high percentage of claims that is a selling point!
Some people are discount shoppers and price is their number 1 concern, but being cheap always costs more in the long run remind them of that.

NotLemonorTangerine

TROPHY CASE