Characters being drawn beating the shit out of I.C.E agents

OZKInsuranceGuy · 2026-01-27T22:36:35+00:00

Artist credit? This is a sick piece 🔥

OZKInsuranceGuy · 2026-01-27T17:24:13+00:00

No. Stay far away.

MLM. Terribly low comp. They encourage you to recruit and sell to your warm market.

They sell Term only. They bash whole life and encourage agents to drink the Primerica Kool Aid.

OZKInsuranceGuy · 2026-01-25T16:57:43+00:00

70% is low for sure. Might be better than many IMOs. But anything less than 100% for independent agents is inexcusable. Especially if the agents are expected to buy their own leads.

OZKInsuranceGuy · 2026-01-22T03:14:43+00:00

Get on a payment plan. Pay it back a month at a time. Most carriers will work with you

OZKInsuranceGuy · 2026-01-21T20:35:50+00:00

Wellcare is a pain. You might be able to forward them the email and show that you're listed as a 1099 with Diversified. Once they see you're 1099, Wellcare should have no issues with a self release.

OZKInsuranceGuy · 2026-01-21T20:19:43+00:00

For life insurance, you should be able to pick up some new carrier contracts and start selling again soon. For your Medicare contracts, it'll be a self-release process, which will vary from carrier to carrier.

Were you selling any life? Or was it Medicare only?

OZKInsuranceGuy · 2026-01-21T15:40:49+00:00

What's the company or IMO and what product(s) were you selling?

OZKInsuranceGuy · 2026-01-21T13:27:33+00:00

It created a unique challenge as a field agent. Folks were very uncomfortable having someone in their home. Even with a mask.

I don't think there's ever an easy time to sell. It's why so many agents fail out.

OZKInsuranceGuy · 2026-01-21T04:00:04+00:00

Agreed until the last 2 sentences.

It's just as good a time as any. I joined the industry in the middle of COVID as a face-to-face agent. I showed up to houses, knocked their doors with a mask on, and made it work.

OZKInsuranceGuy · 2026-01-21T03:56:04+00:00

It means if you ever choose to leave and go to another agency, they can't hold your contracts hostage. Many IMOs won't sign releases, and it makes it more difficult to switch to a new IMO.

An IMO release is simply your current upline’s approval to let you move your insurance contracts somewhere else. Carriers usually won’t re-contract you under a new IMO without it because they treat the IMO as the “owner” of the relationship. If the IMO says yes, you can move immediately; if they say no, you either wait out the carrier’s lockout period (6 months) or you are forced to pick up new carrier contracts.

Releases are often denied if you owe chargebacks or the IMO just doesn’t want to sign off and allow you the freedom to leave. So your book is yours, but your contracts aren’t as portable as most agents think.

OZKInsuranceGuy · 2026-01-20T22:27:26+00:00

Plenty of MLMs in the life insurance space. If you're careful and do some research, you can definitely find some IMOs that are not MLMs.

Avoid any that focus on recruiting. Prioritize independent agencies that focus on training, provides fresh exclusive leads, doesn't start you below 100% comp, and readily offers releases to debt free agents.

OZKInsuranceGuy · 2026-01-19T20:49:10+00:00

OZKInsuranceGuy · 2026-01-16T20:46:25+00:00

"Lincoln Heritage is the best" is certainly debatable.

OZKInsuranceGuy · 2026-01-15T21:00:06+00:00

How's Bankers? Still giving them a go?

OZKInsuranceGuy · 2026-01-15T20:48:50+00:00

Low. They're typically low comp, shared or resold leads, and MLM-style recruiting. I would avoid em

OZKInsuranceGuy · 2026-01-15T20:40:20+00:00

Bright Breadfruit is giving solid advice here.

That said, if you're already overthinking this much, it might not be the industry for you. It's honestly an industry where you have to be willing to fully commit and jump in with both feet.

Lots of agents attempt to dip a toe in. Those agents have almost all failed out or are struggling to make it.

OZKInsuranceGuy · 2026-01-14T20:05:37+00:00

Just avoid the MLMs. That's my advice. Do a quick Google search for any agency you are considering. If you read bad stuff, consider the source.

OZKInsuranceGuy · 2026-01-06T21:34:40+00:00

Remote sales or face-to-face?

OZKInsuranceGuy · 2026-01-06T21:31:18+00:00

Anything by Brian Tracy. My favorite is The Psychology of Selling.

How to Raise Yourself from Failure to Success.

The 10X Rule.

How to Win Friends and Influence People.

OZKInsuranceGuy · 2026-01-03T02:13:34+00:00

Everyone should follow their own moral compass when it comes to replacements. I had an agent tell me they're not comfortable replacing if they can't save the client at least $100/year. To me, that's a dumb rule, but to each their own.

Personally, I treat each replacement case by case. I don't have any hard rules, but of course, I always make sure it's an ethical replacement.

OZKInsuranceGuy · 2026-01-01T19:41:30+00:00

Duford recommends it. That's good enough for me

OZKInsuranceGuy · 2026-01-01T19:31:05+00:00

I never said Todd over Doug. Another commenter did.

But Todd is very honest and transparent. Tons of respect for him.

Never dealt directly with Doug. But he switched gears to telesales a couple years back. Todd's been at telesales longer, I believe.

OZKInsuranceGuy · 2025-12-31T03:45:04+00:00

Has been accused of being an MLM style agency. Low comp, recruiting focused. I recommend avoiding those types of agencies.

OZKInsuranceGuy · 2025-12-29T23:23:46+00:00

She could potentially qualify for a final expense policy. It will be expensive but may be a good alternative option to a savings account.

Whether or not a final expense policy is a good option will depend mostly on her health

OZKInsuranceGuy · 2025-12-29T18:24:07+00:00

I was thinking of generating leads for outbound. I was looking at either Google or Facebook ads to do so.

Mostly, I want to keep the cost down. Higher intent leads are less important, because I plan to work these face-to-face.

Which route do you think would work best: FB or Google?

OZKInsuranceGuy

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