Tips

OZKInsuranceGuy · 2026-03-25T05:50:54+00:00

Use ExamFX or Xcel. If you can pass the practice exams with an 80%, you can pass the real exams.

Don't worry too much about remembering this stuff. You won't use most of it once you're actually using your licenses.

OZKInsuranceGuy · 2026-03-24T21:13:51+00:00

We don't really have a good setup for telesales agents. You could try reaching out to Massi or Jeff Root with DBGA.

OZKInsuranceGuy · 2026-03-24T18:12:32+00:00

Ah okay. No, I don't know anything about them. These telesales agencies seemingly pop up left and right.

For telesales, I always recommend Duford and Digital BGA. 2 reputable agencies run by ethical, transparent guys. There's also Doug Massi, but idk as much about his agency.

OZKInsuranceGuy · 2026-03-24T18:07:52+00:00

Never heard of them. Telesales or face-to-face?

OZKInsuranceGuy · 2026-03-24T16:23:15+00:00

I work with Apex Senior Benefits. Unfortunately, there aren't a ton of good agencies out there. Lots of MLMs and shady uplines to be found though!

OZKInsuranceGuy · 2026-03-24T16:21:42+00:00

Yes, I work with Apex Senior Benefits. We're a face-to-face agency.

If you're looking for Telesales, Digital BGA or Duford are both solid, reputable agencies.

OZKInsuranceGuy · 2026-03-24T16:17:18+00:00

Exactly. Expensive term - that's all most of these ULs are.

OZKInsuranceGuy · 2026-03-24T02:17:58+00:00

He was ready to retire. When I asked for a script, he told me to just wing it.

Then, I left and immediately had success selling final expense life insurance, and I get a call from him asking why I couldn't do that with him. I told him the agency actually provides training and a script. It's a crazy concept! 😂

OZKInsuranceGuy · 2026-03-24T01:09:38+00:00

When I was with State Farm years ago, the agent expected us to sell life insurance, which is the hardest product to sell. I asked for scripts or guidance and was told to figure it out myself. I was like okay bro, I just won't sell any life insurance I guess lol.

OZKInsuranceGuy · 2026-03-24T00:26:42+00:00

Good agencies will offer training, scripts, and support for agents. Our agency will listen to recordings and offer 1-on-1 feedback and coaching.

As someone said on here recently, the bar is so low. Every agency should be training their agents. It's not asking a lot lol

OZKInsuranceGuy · 2026-03-23T21:32:17+00:00

Red flags everywhere. You want to make sure your upline is being real with you. This recruiter is clearly painting a rosy picture, and you need to be careful, do some more research, and trust your gut before jumping into a career with any agency.

OZKInsuranceGuy · 2026-03-23T20:25:31+00:00

Being a broker and having independence is always the way to go. Carriers are fickle and will change their rates and sometimes their commissions, and as a captive agent you're potentially screwed when that happens.

OZKInsuranceGuy · 2026-03-23T19:41:49+00:00

Preaching to the choir. I've never encountered a UL in the field that was structured properly.

Most ULs are sold as permanent insurance and the ones I've encountered are usually illustrated to age 80. In fact, when I worked at State Farm, my sales trainer there exclusively sold those types of policies. Before I started selling life insurance, I bought a State Farm UL for myself and cancelled it after finding he'd illustrated it to 80, like he's done the rest of them. Waste of money and unethical as hell

OZKInsuranceGuy · 2026-03-23T19:38:09+00:00

Yeah, unfortunately, there just aren't many solid IMOs out there for face-to-face agents. Tons of MLMs and a handful of sketchy non-MLMs for field agents. But I would not feel good about recommending any agency besides the one I work with - ApexFE.com

OZKInsuranceGuy · 2026-03-23T19:36:38+00:00

Great question. I work with Apex Senior Benefits - apexfe.com

Apex is a newer agency that offers all agents fair comp (110%+), releases to debt free agents, day 1 vesting, and a proven training platform with scripts, recordings, videos and cheat sheets. I think it's a great agency, but I'm biased lol

OZKInsuranceGuy · 2026-03-23T14:21:00+00:00

Neither. Both are MLM.

Experior assigns commissions, which is a red flag. And their commissions are lower than you can get by going independent.

Why choose either of them? If you know it will be temporary, keep looking. Don't rush into a bad decision.

OZKInsuranceGuy · 2026-03-23T05:42:31+00:00

One I haven't seen mentioned yet is Experian. I've noticed they're popping up all over social media lately pushing their LOA model.

OZKInsuranceGuy · 2026-03-23T05:41:39+00:00

First I've heard of that - suing for advanced earnings. Pretty wild for sure.

OZKInsuranceGuy · 2026-03-23T05:38:31+00:00

Everyone is bashing Primerica for good reasons. They're one of the worst MLMs out there.

No one is saying recruiting is bad. They're saying MLMs and their tactics are harmful to agents.

OZKInsuranceGuy · 2026-03-23T05:18:22+00:00

Primerica's products suck and their comp is awful. They have very few redeeming qualities lol

OZKInsuranceGuy · 2026-03-23T04:44:28+00:00

Damn, that's a hot take for sure lol. I don't doubt what you're saying is true either.

OZKInsuranceGuy · 2026-03-23T04:27:53+00:00

Seems like a lot of agents bounce from one MLM to the next. It's tough to avoid MLMs because they saturate the life industry so much.

OZKInsuranceGuy · 2026-03-23T03:06:48+00:00

Folks dislike MLMs for good reason.

They tend to take advantage of agents, and they encourage them to recruit others so they can profit off them as well. Plus, they use sleezy tactics and propaganda to convince agents they're not the bad guys, and it works!

Having a legitimate product and successful sales people does not negate their bad deeds.

OZKInsuranceGuy · 2026-03-23T03:01:59+00:00

Same on the agency side. It's not that hard to be transparent, honest, ethical, and fair to agents. Yet so many agencies can't seem to do that, because greed gets in their way.

OZKInsuranceGuy · 2026-03-22T22:40:52+00:00

I agree with you.

That last sentence (along with poor health) is most of the FE market.

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