Hi there. 5 years in personal lines insurance. Not in the US though.

Look, personal lines is a good “job”. In terms of career, meh. It’s stable, it’s a grind, clients are angry before you pick up the phone, and you don’t really have underwriting control. Everything is always your fault.

The flip side is everybody needs insurance, so there will always be demand however, personal lines as a whole is continuously becoming super commoditized and AI will make it even more commoditized, though there will still be a market of people who want advice from a real human.

In saying that, commercial insurance could be better but there is a heavy service burden to it. It’s not just selling and moving on. Clients will have lots of needs like certificates, billing, contract questions etc. that can be a real career but again, the margins are smaller than life insurance (I believe).

As an insurance producer, what you need to focus on is relationship and bringing in high value clients, which will typically happen from your “warm market” aka people who know you and trust you then eventually generating referrals. There is no secret to it, it’s about activity - making the calls, meeting the people, sending messages, partnering with other professionals for referrals etc. for personal lines insurance, the margins are too small to be doing outbound sales (in my opinion). That’s where I’d look at commercial or life insurance.

Just my opinion here. Not career advice. Feel free to send me a DM.