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The Ideal Insurance Contract

I’ve often said insurance contracts are like sex in prison:  What you want, you can’t get, and what you get..you don’t want.  That said, one of the more common questions I receive is: What should I look for in a contract? 

Keep in mind, this article is intended for experienced agents with a verifiable sales history. If you’re new to insurance sales and are looking into your first agency experience, try this link.  After you’ve paid some dues and been screwed by exposed to the captive agency business model you’ll probably approach a general agency to write business as an independent agent.  This will allow you to:

  1. Get larger commissions and better bonus structure.
  2. Write through more companies.
  3. Have access to commercial policies with a larger variety of coverages.
  4. Establish ownership of the book you write.

(Read the rest of the entry…)

Previously

Help! The Primerica Lady is Coming!

Question from a Primerica prospect:   Hey Ernesto, I was wondering, I read your comment about the Primerica company and I have been also asked to join ... read on

Yes, you can .. make money as an insurance agent that is.

An anonymous independent agent posted a responce to my comment:  "My advice: if you want to work in sales, find a more lucrative profession." His ... read on

How much commision does an insurance agent earn?

When I first published this article on Ohio Insurance Forum I ended the article with the comment:  " My advice: if you want to work in sales, ... read on

Dogs and Homeowners Insurance

Dog Liability and Homeowners Insurance Insurance companies have paid particular interest to dogs in recent years and have worked at field underwriting all Homeowners and Renter’s ... read on

To Sell or Not to Sell?

January would be the three year anniversary of me moving from insurance sales to insurance company back office work as a technology consultant. Well after several years ... read on

Writing my Congressman Again

I felt compelled to write Pat Tiberi again dealing with the 'Bailout' fiasco being discussed in Washingtoon DC: Here goes ... I think the last time we ... read on

Health Insurance for the Self-Employed - 2.0

Part two of the continuing saga of getting health insurance in the USA.   Some health insurance options when  taking the self-employment plunge: COBRA Individual health insurance/ small ... read on

Costner vs Maronda Homes: Builder out $3 Million

A Franklin County Ohio  judge awarded Roman and Jennifer Costner $3 M in a dispute with Maronda Homes. Another judge ruled Maronda Homes has to pay the family's ... read on

Credit Card companies and their Sleaze.

The Federal Reserve is once again accepting comments concerning credit card companies and their practices.  To comment on Regulation AA "Unfair or deceptive acts"  or ... read on
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