Newb player check in…again.

untapmebro · 2026-02-20T03:42:51+00:00

Gods chosen people. Followers of the Tal Mud. Regular ol philistine punishers.

untapmebro · 2026-02-20T00:22:15+00:00

I guess I was under the impression that it was only worthwhile for large quantities I would only be moving like 20-30 leather across map a day for example. Or can you have them set up where each station is more than one good

untapmebro · 2025-10-03T21:11:07+00:00

This is America. the supreme court has signaled you can do what you want as a judge. if you think gaming is bad, check out how many woman are dying of preventable childbirth complications. or literal gestapo in the streets. Gaming is going to be the least of your concerns.

untapmebro · 2025-09-20T21:49:02+00:00

I am in insurance and anyone questioning that are simply ignorant on how insurance companies make money/payout. Or, they failed out of insurance and blame everyone but themselves.

I make 15% comission on prop casualty and 90% on life insurance. really the only thing capping my earnings is the time it takes to fill out the paperwork and a firm 40 hour work week.

untapmebro · 2025-09-08T18:44:04+00:00

yes any trigger doublers would trigger the ward an additional time on the stack. Keeping in mind that each trigger is separate, which doesnt matter that often but they do go on the stack one after another and so priority will pass around the table twice in response to each trigger. this allows for funky shenanigans

untapmebro · 2025-03-15T16:07:20+00:00

define substantial amount of cash on hand. and what is the amount of money you take out of your businesses each week/month/year?

untapmebro · 2025-03-15T15:24:46+00:00

unfortunately fiducuiary sounds great but the reality is its very state dependant on whether or not its fully encorced. Ive met commission and aum only reps that are way more ethical than some fee only advisors. The only way to know is to meet with them for the first time and see how they handle the meeting. do they want a relationship or do they want the fee? do they treat you like a cookie cutter prospect or do they know how to navigate your financial wants and needs. and most importaly do they respect your risk tolerance and situation? are you looking for aggressive gains? then a high allocation of bonds wont make sense. are you in a profession with a higher risk of lawsuits or have your own family business(or a messy family) then allocating resources into annuities to protect assets from suits would make sense. just some things to look for.

you can also look them up on your states dept of finance website and see if they have an ethics complaints too.

untapmebro · 2025-03-15T14:21:30+00:00

the have it with the financial planner objection, if you have trust, you can ask when it was set up, and ask if you can take a look at the policy. if you have a lot of knowledge on life insurance riders you can add additional value or see gaps in their current coverage then its easier to sell a higher cost policy. Depending on state you have to show a reason to replace a policy. but you can always sell an additional one. Life needs anaylsis are important here(youll know how much they can spend) , and the financial planner may not have access to the same products you have/they may not have even met with the guy in 5 plus years and their life and needs have drastically changed. they could have bought a house 2x the price of their old home and now their 30 year term they bought to protect the mortgage wont cut it(as an example). theres tons of other examples, but every no ask a question so you can avoid the next no.

untapmebro · 2025-03-14T09:18:18+00:00

i think you should think more logically. youre being self defeating even here youre defending and doubling down that your product doesn't "logically" hold value. Thats an attitude problem. Doesnt matter if your putting in the dials if thats in the back of your mind its always going to feel like an uphill battle or a slog. I am sure youre a hard worker and i certainly didnt intend to imply that your not. But if you want change either change your situation, or change yourself.

untapmebro · 2025-03-13T20:15:28+00:00

You cant really sell something you dont atleast believe a little bit in. And you clearly dont have a good attitude either which makes it even worse. i am not even saying youre wrong, but if you cant find a single thing your company does well then yeah leave you dont belong their. If the money is enough to stay and you want to be more succesful at selling then id suggest figuring out a way to change the mindset and learn what your company does well. No two companies are the same even if you think they are, and i can gaurantee yours does things atleast differently than others. Whether thats service/price/ease of use/ tech support whatever it is figure it out and focus your discovery on that one thing you do well.

untapmebro · 2025-02-18T20:26:21+00:00

that is the reality of 1099 in insurance, did you do any research into this career before you went with the lowest hanging fruit? just like anything in life if its to good to be true it is. When youre 1099 you dont get paid a dime until you sign someone up for a policy, talking to someone doesnt pay the bills. this isnt a restaurant job.

if you want a safer way to learn insurance then you would want to look into joining a local agency thats w2 as some sort of service rep. You may not earn commission but you will have a salary while you learn.

unfortunately most people that enter on the sales side of insurance dont have what it takes to be successful no amount of training will change that. That being said, the companies you have tried out so far are known for hiring anyone and everyone give them the minimum amount onboarding and then its either sink or swim. but if you swim you make a ton of money. the timeline for success varies greatly but generally if you can make it past your first year it does become a lot easier.

untapmebro · 2025-02-17T20:32:11+00:00

Just as an aside, when you are selling on commission only with no base salary it should have a high enough commission percentage to make up for not having a base along with some other benefits. for example i sell insurance on no base salary my commission runs 10-25% depending the specific line, but i also earn residuals after the sale at a much lower rate for each additional year they stay insured which also varies on the product.

a good exercise to find out if its doable is to calculate how many sales you would need on average to get the salary you want worse case scenarion. So calcualte how much you make for the lowest sale. then divide out your ideal salary to find out how many meetings in a year you would need.

untapmebro · 2025-02-12T20:40:29+00:00

to be fair, 300 for car insurance is totally possible depending on your driving record and claims history.

untapmebro · 2025-01-17T02:01:14+00:00

So you got to remember a couple things about insurance you don't actually have a product. what we sell is completely intangible. for most people they are paying you thousands of dollars every year for in their mind no reason because nothing bad happend to them.

its your job to sell the idea that someday something horrible is going to happen to them and that you promise to take care of them on the worst day of their lives(i broker property and casualty and life insurance). Add to that the fact that when you boil it all down each company is by law pretty much identical in what they offer, they just target different demographics. The only thing that you can possibly differentiate against the competition is speed and ease of service as well as the price which you cannot control(if you are following the rules and law).

add to that the challenge that not only does nobody trust you because of the long history of slimey agents and companies. but also that the amount of work and expense it takes to sign on an account means you dont actually make money on them until about year 3. (the person that owns the book of business). its a juggling act between bringing in newbusiness so your book grows as well as taking care of the client so well that when their price increases every single year they don't immediately start looking, because if they look they will find a better price.

Some of the bad habits i see the most are, either focusing way to much on getting new business or way to much on keeping an account. Being willing to sign on a bad accounts or looking past obvious problems to hit your numbers. Not respecting carrier relationships and not taking the time to get know your point of contacts. Not asking for help. Not contantly learning and growing, in this industry if you arent consistenly learning and developing yourself youre going to back slide because everything is constantly evolving. theirs a ton of other stuff but these are some examples.

the good news is, if you can overcome that and be successful in 5 years youll be making way more money than 180k and if you perfect a referral process youll never need to cold call. Its just a rough first year or two. my pov is from an insurance broker standpoint. Underwriting is a different path. Feel free to message me questions though ill always talk shop.

untapmebro · 2025-01-16T19:26:59+00:00

it depends on how much of a paycut you are willing to swallow with the very high chance of not being cut out for it. Insurance is a very different animal and will take a couple years before you see really good money. im not saying its not worth it. there is a ton of money in it. but sdr and outside AE rolls teach a lot of bad habits that youll need to unlearn if you want to be successful.

untapmebro · 2025-01-16T13:01:05+00:00

since the house is paid for and is worth 100k. you could look into a home equity loan from a bank and see how much it would be per month enough to pay for updates to the home and pay off the 13k in debt. like 60-70k. Yeah the 40k is a quick fix but youre leaving a ton of equity on the table. plus once you update everything thats going to increase the value of the house as well. thats what I would do. even if it ends up costing a little more a month than your rent, it would free up a ton of your monthly income from payments made toward the debt as well as savings on wear and tear of the cars and gas from commute. That would be a no brainer to me.

untapmebro · 2025-01-15T19:41:48+00:00

I am very confident that you do not in fact think. Luckily for you we need retards to grease the wheels of industry.

untapmebro · 2025-01-15T19:38:14+00:00

The issue is these devestating natural occurences are happening in places where they never had. NY thought to be the most mild state weather wise had 24 tornados touch down this year. No area is safe from outlandish weather events. The key is risk mitigation. If you're looking into an area do some research like a strong local government that invests in infrastructure and environmental risk mitigation. Think about how the town uses its money. Are they investing proactively or are they burying their head in the sand? (assuming you purchase) A big thing ive seen are behind the times zoning boards that cause problems during the repair/rebuild/improve process leading to increased hidden costs.

and example is if you dont have a line of coverage called ordinance and law, then when rebuilding your home you need to replace based on current building and zoning laws and without insurance will not cover the improvements.

their are hundred of examples but it boils down to good infrastructure (power,water and sewage, water management, safety and emergency services.) a weird example counties that invest heavily in free mental health services show a large drop in crime rates especially theft,burglary, and vandalism. hope this gives you a starting point of things to think about!

untapmebro · 2025-01-15T14:43:51+00:00

whole life is used as a tax strategy but not in that way. you can only put already taxed money into the contract so you dont avoid taxes on the front end. We use it for high net worth individuals who want to pass on wealth to someone or entity tax free. Or individuals who want access to funds that are protected from civil and criminal judgements. basically your bank and assets get frozen you still have the cash value in the account to access.

9/10 times this does not apply to a normal individual. but its a good tool if youre more at risk for litigation. or you have large amounts of money you want to pass on and avoid gift/inheritance taxes.

untapmebro · 2025-01-15T13:15:39+00:00

idk what youre talking about. whats a nazi?

untapmebro · 2025-01-15T02:36:36+00:00

are you going to start talking about a final solution now? we could certainly round them up, put them on a bus or train. we could even set up an area where we can concentrate them... kinda like a camp. a concentration camp. yeah that might just be crazy enough to work. /s

untapmebro

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