12:23 AM
Anyone out of work is vulnerable to being scammed by crooked head hunters on the take. All too often what started as a potential job offer winds up sounding more like a sales pitch, and job hunters should always be wary. Whenever there is insurance being sold, American Income Life jobs Minnesota for example, the so-called opportunity may not be quite as fleshy as the company agents make it sound.
This particular company does have a favorable line of products available to a prospective client. In addition, their approach to managing the sales pitch being given is a sound program for success. However, there are serious elements of the job, the industry, and the individual which can negatively impact budding agents taking their first steps into the door to door realm.
The primary insurance product they have available is supplemental medical insurance. These plans are very low-cost with great reward to their insureds. They are most popular with families and upper-middle-aged people since it will cover all the expenses that a primary carrier does not pay for, thus granting the insureds much more extensive coverage for all medical issues they encounter.
In order to qualify for this type of insurance product, the applicant must be under a certain age and living with reasonably good health. Supplemental insurance has greater veto power than major medical plans when it comes to excluding individuals with preexisting conditions. Unfortunately, many of the sales leads that new agents will follow up on will be older individuals who may desperately need the coverage, but cannot qualify.
Agents regard this preexisting condition clause as a major stumbling block when making sales. However, they have to go out and get that appointment all the same. If no sales pitch is heard, then they have reduced their chance of making money to zero.
While companies often allow a small income to their agents, especially in the beginning, AIL does not. The new agent must be prepared to keep gasoline in their car and motivation in their step without financial assistance from their masters. Keeping agents on the road is how money is made, even though some new agents can work for some gas money filing papers at their main office sometimes.
On the bright side, commissions at AIL are generous compared to most companies out there. Once an agent sells a product, he or she will receive their commission each and every time payment is made for that policy, forever. So long as they work there, every policy sold becomes a new piece to their regular paychecks. The best lumps get thrown in yearly when policies renew.
With each shiny new insurance policy sold, the fixed agents build their own personal paychecks. Not only that, but each year they can revisit clients and make attempts to sell them more valuable packages for slight rate increases each time. Once they know their client can qualify for any medical policy carried, selling better policies or a variety of plans becomes easy.
This particular company does have a favorable line of products available to a prospective client. In addition, their approach to managing the sales pitch being given is a sound program for success. However, there are serious elements of the job, the industry, and the individual which can negatively impact budding agents taking their first steps into the door to door realm.
The primary insurance product they have available is supplemental medical insurance. These plans are very low-cost with great reward to their insureds. They are most popular with families and upper-middle-aged people since it will cover all the expenses that a primary carrier does not pay for, thus granting the insureds much more extensive coverage for all medical issues they encounter.
In order to qualify for this type of insurance product, the applicant must be under a certain age and living with reasonably good health. Supplemental insurance has greater veto power than major medical plans when it comes to excluding individuals with preexisting conditions. Unfortunately, many of the sales leads that new agents will follow up on will be older individuals who may desperately need the coverage, but cannot qualify.
Agents regard this preexisting condition clause as a major stumbling block when making sales. However, they have to go out and get that appointment all the same. If no sales pitch is heard, then they have reduced their chance of making money to zero.
While companies often allow a small income to their agents, especially in the beginning, AIL does not. The new agent must be prepared to keep gasoline in their car and motivation in their step without financial assistance from their masters. Keeping agents on the road is how money is made, even though some new agents can work for some gas money filing papers at their main office sometimes.
On the bright side, commissions at AIL are generous compared to most companies out there. Once an agent sells a product, he or she will receive their commission each and every time payment is made for that policy, forever. So long as they work there, every policy sold becomes a new piece to their regular paychecks. The best lumps get thrown in yearly when policies renew.
With each shiny new insurance policy sold, the fixed agents build their own personal paychecks. Not only that, but each year they can revisit clients and make attempts to sell them more valuable packages for slight rate increases each time. Once they know their client can qualify for any medical policy carried, selling better policies or a variety of plans becomes easy.
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