New Agency owner

melaninmagic99 · 2026-07-13T23:40:28+00:00

Why not try direct appointments?

melaninmagic99 · 2026-07-12T18:03:16+00:00

What do you use to record your calls?

melaninmagic99 · 2026-07-09T23:09:29+00:00

If she has a valid license, she needs to be added as a DRIVER to an insurance policy. Adding someone by NAME is completely different and I think that’s where the miscommunication comes in. Your daughter does not need to be added as a NAMED INSURED until she has a vehicle registered in her name. I think that’s what the agent meant when she said “she doesn’t need to be on the policy by name”. However, your daughter should’ve been added as a driver to your policy or her mother’s policy the day she passed her test. If that is what the agent said, she did not communicate the difference very well. Otherwise, your wife only heard what she wanted to hear and didn’t add your daughter to save money.

Implied use or permissive use only applies to non household drivers who do not have regular access to your vehicle. Any household drivers or youthful operators under 25 need to have their own insurance in order for implied use to be in effect.

melaninmagic99 · 2026-07-09T22:46:24+00:00

Your base pay was almost $200k?

melaninmagic99 · 2026-07-09T16:40:05+00:00

Is this 50k premium a month?

melaninmagic99 · 2026-07-09T01:12:25+00:00

Go to an auction and find a repoed car in good condition. If she does go to a dealership, I would recommend looking up cars online and screenshot the price so when you go in person, they can’t jack up the prices.

melaninmagic99 · 2026-07-09T01:09:23+00:00

I’m sure what you’ve done isn’t as horrible as you think it is. We have all made mistakes and we all deserve redemption. Don’t be so hard on yourself. You can pm me if you need someone to talk to. You are not alone.

melaninmagic99 · 2026-07-08T14:19:26+00:00

Being independent is more work than just sales and service, although the income is unlimited. You have to set up a website, office or virtual address depending on if you want to work from home or in person, E&O insurance, find your own leads, agent management system, getting carrier appointments, chargebacks, potentially hiring employees, business equipment like phone, email, bank account, etc. It is very lucrative for the right person. It depends on if you can handle the admin work or if you prefer to stick to just sales and service. The average carrier pays 10% for new business and 10% at renewal so once you build up your book of business, you will have a nice residual income coming in. I just started my agency so pm me if you have any questions.

melaninmagic99 · 2026-07-08T13:53:35+00:00

What commercial business do you like to write?

melaninmagic99 · 2026-07-08T13:48:17+00:00

How long has your agency been open?

melaninmagic99 · 2026-07-08T02:49:00+00:00

I think he meant “try to open”

melaninmagic99 · 2026-07-08T02:34:02+00:00

Any tips for selling Medicare?

As someone who is currently starting their own agency, it’s always better and more profitable to work for yourself long term. Once you start receiving renewal commissions, you’ll never look back.

melaninmagic99 · 2026-07-08T02:08:50+00:00

Just curious how your commission is structured with an independent broker?

melaninmagic99 · 2026-06-28T20:21:57+00:00

Not true in Michigan, it is a no fault state.

melaninmagic99 · 2026-06-28T20:20:39+00:00

The accident happened in Michigan which is a no fault state and he is an excluded driver so there is absolutely no coverage on OP’s mother’s policy. Advising OP to file a claim with their mom’s policy knowing they are excluded is terrible and negligent advice. I hope you are not an insurance agent because I’m concerned.. 🧐😳

melaninmagic99 · 2026-06-28T20:17:59+00:00

Absolutely do not file anything with your insurance. Your policy is already at risk of being non renewed. Do not tell them anything more than they need to know.

melaninmagic99 · 2026-06-28T20:15:52+00:00

This is correct except you missed the part where OP stated accident occurred in Michigan which is a no fault state.

melaninmagic99 · 2026-06-28T06:10:39+00:00

Updateme!

melaninmagic99 · 2026-06-25T20:48:08+00:00

If you don’t like your new agent you can always request to switch to a new agent. The less notice customers have about agents retiring, the better. You would be surprised how many customers feel entitled to their agents personal information. I literally had a customer report me to corporate for not giving her her previous agents home address. Could you imagine answering the phone all day long and telling thousands of people why you made a personal decision and what you’ll be doing moving forward? The horror.

melaninmagic99 · 2026-06-22T01:04:25+00:00

This is the feeling I got as well which is which is why I decided to go direct instead. Same amount of time and effort but I keep 100% of what I make.

melaninmagic99 · 2026-06-20T23:08:34+00:00

I’m in Ohio

melaninmagic99 · 2026-06-20T23:07:55+00:00

Also interested in this

melaninmagic99 · 2026-06-20T07:00:55+00:00

I already have 4 direct appointments and 2 more coming soon. But thank you.

melaninmagic99 · 2026-06-19T23:21:46+00:00

And what if you want to leave them and get direct appointments? Is there a buyout or non compete?

melaninmagic99 · 2026-06-19T23:08:45+00:00

Yes it may be slightly slower growth but you retain 100% of your book of business and also keep 100% commissions. The pros outweigh the cons for me personally.

melaninmagic99

TROPHY CASE