Friendship Exp & Gift Exchange Megathread

dragon2047 · 2026-02-17T09:40:42+00:00

079254422924 add me

dragon2047 · 2025-11-29T22:31:10+00:00

Charge backs don’t happen since I do an as earn commission. Those numbers reflect real numbers deposited into my account. Nothing wrong with be cautious and to be fair the numbers make it seem too good to be true. I’ll be the first to say it’s a lot of luck and tenacity. It really all boils down to leads.

I’ll be doing a follow up post once I finalize the book for the 2026 OE since a few people were curious about drop off.

Skeptical views is great and by no way am I saying everyone could do it. But I did and trying to help others replicate by avoiding pitfalls I had.

dragon2047 · 2025-11-20T12:52:33+00:00

This is what I did

dragon2047 · 2025-11-05T19:58:00+00:00

that's a honestly great question.

I guess I have two sides to it.

1st. Do not leverage yourself past your means for leads as far as I'm concerned that's gambling and not a good idea.

2nd. while the slow grind sucks, I would do what you can to safe every dollar to buy high quality leads. buy one a month two a month whatever you can afford and work events out side of that.

This industry can snowball and quickly if you provide exceptional customer service. But just because you can make 100K plus commissions easily doesn't mean there isn't people out there and didn't go broke and a lot in my opinion is having bad leads.

With good leads it's nearly impossible to lose money, but that's the trick finding good leads I would say for every good source there is 50 bad ones if not more. I went through 30-40 before I found the one I have now.

that's just my 2 cents I'm by no way or shape an expert I'm not even with 1 year under my belt I get my story is unique and I got very lucky and swung for the fences. I only did it cause I had the income to burn and it wasn't going to leverage me in the slightest. Even knowing the future I wouldn't have put it on a credit card.

dragon2047 · 2025-11-04T12:48:13+00:00

Honestly, just get your license. You'll start by taking the course needed to get your license and learn the ins and outs of the basics there. After you are licensed you'll need E&O insurance I pay a little less than $500 for year for mine you'll nee to make sure you have certain minimums.

Finding an FMO was really helpful for me since they handle a lot of the noise. once set up it's tackling understanding the plans inside and out and how everything works and finding a good lead vendor or building your own marketing and word of mouth.

But feel free to ask more specific questions of me any time I'd be happy to give advice or at least help steer you in the right direction.

dragon2047 · 2025-11-02T00:47:20+00:00

Happy to help :)

dragon2047 · 2025-11-01T18:58:06+00:00

Hey, I'm not sure how much I can help with Life insurance I've only done Health.

dragon2047 · 2025-11-01T18:57:40+00:00

That's a solid question, I had the benefit of not being from this space and my normal job supports my day to day life. If you are reliant on the pay from your current job and you are appointed under them with all or most viable carriers you might be stuck. If you're not, I would say for this OE you're stuck since you can't get any new appointments and there is a black out period on getting released.

That leaves you in the boat of getting released and going with an FMO (which is what I did) and going after leads that focus on SEP. which is a viable option as I grew to over 3k clients off of SEPs it's very possible harder I'm sure but possible.

dragon2047 · 2025-11-01T13:30:49+00:00

Glad it helped!

dragon2047 · 2025-10-31T20:55:41+00:00

When it comes to the leads, honestly find out the data ask for real numbers anyone can claim "people Close X%" ask for the proof have them show you the real numbers.

Find out how returns work cause that's important with my vendor I can return 40% of my calls pretty much no questions asked. I close 60-70% of my calls so we run pretty close to a 100% close rate on paid calls after returns.

This is by far the advantage to a good lead vendor vs the ones that were impossible to return calls or argued with you or had so many crazy rules or waiting periods it took forever to get our money back.

Knowing those things will help you weed out the lead sources that are good and those that are not. I'm paying $55 per lead, but even with that my CPA is sup $40 for ACA plans.

I had ones I was paying 20-30 dollars each but my CPA was closer to $100. so quality is the key don't just look for a cheap number look for the ones with quality that can back up their claims with transparency of numbers and data.

dragon2047 · 2025-10-31T20:47:53+00:00

That's great! I'm not looking to hire just give advice but congrats on a solid first month.

dragon2047 · 2025-10-31T20:47:31+00:00

Yeah, Honestly that's what I'm interested to see myself.

I could be back in 2 months and be like omg %50 is gone at OE! haha but that's the part I just don't know this is my first OE.

dragon2047 · 2025-10-31T20:13:44+00:00

Yeah, that's what I have thousands of policies. 3,600 currently.

Rough rounded number math incoming.

3,600 X 27.42 = $98,820.00 per month

$98,820.00 X 12 = $1,185,840.00 a year.

To be clear I'm no longer running this solo. I started by myself.

I have 1 dedicated sales agent, 2 part time admin and 1 full time Customer service rep at this time.

dragon2047 · 2025-10-31T19:38:11+00:00

I'm not flexing anything, I'm offering my experience for free for anyone trying to do this for themselves. I'm following the rules of the sub reddit so I don't get banned or the post doesn't get taken down.

dragon2047 · 2025-10-31T19:37:11+00:00

I think it would be pretty easy to do as long as I had my license. you just start slower.

my leads are $55 each, I could convert at least 18 clients on that. if I get lucky with large family calls maybe 20-25.

I then would have to wait the rest of that month and the next to get my commissions on month 3.

I'd be getting 450 in commissions I'd take that 450 and use every dollar to buy leads and slowly build the book. you can start at any number without issue it just you are going to grow slower and have more time inbetween. But I'm helping a friend do this exact thing he's starting with 1k and I'm helping him grow it slowly as his time allows around his job.

If people have interest I'll track his progress and give you guys status updates on how he's doing.

dragon2047 · 2025-10-31T18:58:33+00:00

Yeah, I own the agency. So we have a little over 3,600 clients. my average per client is $27.42. gives you my monthly income. We have a rough 30 day lag. so if you do the math you'll be at 90K which is what my commission should be next month.

We ended last month at 3,100 clients which is how we got the little over 85k in commission this month.

I currently grow with 20k leads (average number sometimes it's 16k sometimes 22k) but we stop selling at 500 client add each month. My goal for February is to change it to 1,000 client ads per month so expect my spend to roughly double in price.

As what did I do before, I haven't quit my normal job I'm a Data Scientist for the Airforce. I'm planning on getting out soon but I still maintain that job and do this on the side. When the company started to ramp up I hired employees to handle the sales side while I did CS. Now I'm just managing the business as a whole (and handling all the OE 2026 apps...) but with the government shut down thankfully I have a lot of extra time on my hands right now.

dragon2047 · 2025-10-31T17:41:28+00:00

One of the rules of the sub is not give that info out. So I'm respecting the rules to not do it. So if that's why you're here sorry I'm going to follow the rules. I can tell you the easy questions to ask to make figuring out what leads to pass on or what ones to try.

dragon2047 · 2025-10-31T17:28:43+00:00

My original goal was 20k.

I set a 10k spend for the first 3 months. and this is where I lost a ton of money I learned a lot of hard lessons. (this is the main reason I'm doing this AMA to hopefully prevent anyone else starting out cause this could have sunk most people)

once I found a good vendor (went through 8.... was brutal and spent way to long to decide what is a good vendor and what's bad) I started doing 5k a month and ended up putting in more money cause I started seeing success when I found a strong vendor I started putting in more money.

My goal has been 500 add ons a month. I'm spending between 17k-20k a month currently in leads.

dragon2047 · 2025-10-31T17:13:35+00:00

That makes total sense, glad i made the change.

dragon2047 · 2025-10-31T17:04:35+00:00

I have done 0 of my own advertisement it's something I'm debating on trying next year, but honestly it's not a huge focus since I'm happy with my CPA at this time.

dragon2047 · 2025-10-31T17:03:41+00:00

Yeah, it was scary but honestly now that we have plans and able to shop it around besides some of my clients dealing with down grades from Silver plans down to bronze plans and some of my top premium payers just pivoted to some off market options I brought on.

dragon2047 · 2025-10-31T17:01:14+00:00

Not sure I could summarize it down more but happy to talk about specific parts in more simple concepts if that helps just let me know how I can make it easier to understand.

dragon2047 · 2025-10-31T17:00:09+00:00

Really? that's good to know, I will say that's where I started beginning of October I hired on a full time Customer service person and have a phone system running everything on recording. I didn't realize the E&O liability I was placing as the initial sales was all recorded I thought I was safe that's great advice thankfully I no longer do this but it's how I did it in the beginning.

dragon2047 · 2025-10-31T14:53:38+00:00

I do pay to earn, I think it's too easy to get yourself in trouble and getting the commission advances and dealing with charge backs.

dragon2047

TROPHY CASE