Insurance- Agent- 250k or more - STOP LEAVING your MONEY on the table

My name is Bryan R I am an Executive Vice President with Family First Life and I just wanted to follow up regarding an opportunity at Family First Life.

However, this is not recruiting, but I would rather share my thoughts with you about YOUR COMMISSION LEVELS IN THE INSURANCE INDUSTRY to make sure that you made the right decision.

In this email I will also cover a FEW QUESTIONS TO CONSIDER WHEN JOINING AN INSURANCE COMPANY IN 2021 since they do not usually share these information.

In the past 3 years, I have been working with three different insurance companies and it is very hard to find a great company which will not keep a big percentage of your commissions.

If a company does not start you at 100%, that means they take money away from you each month which goes to your upline/director.

YOU PICK YOUR STARTING COMMISSION LEVEL:

1. 100% i help with you with leads for the first month you put in $300.00 and i put in $300.00 (90 day business plan to get you to 20k a month)

2. 105% you purchase $500.00 in leads to get you going including the 90 day business plan to get you to 20k A MONTH.

3. BUILDERS CONTRACT 115% COMMISSION LEVEL: you purchase $500 in leads and you bring 5 licensed agents with you.

4. Group Builders Contract: you bring 10 or more licensed agents and they are sign up with you We can negotiate your starting rate on how many licensed agents you bring

Call for details.

all or Text Bryan (206) 313-5610 after watching the video- please copy this link to watch

http://www.therogueimo.com/site2/?first=bryan&last=Rowlands&em=bryan.fflwolves%40gmail.com&ph=2063135610

QUESTIONS YOU MIGHT WANT TO CONSIDER BEFORE JOINING A COMPANY:

What is your starting commission rate? If less than 100%, why?

If they say that they start you at a low commission rate because you will appreciate it more as you move up or because you will appreciate your renewals, watch this video:https://www.youtube.com/watch?v=al27cggt4mA&t=6s

If you sell a life insurance policy with $1,000 annual premium, how much is your advanced upfront commission exactly?

Good to know: If they start you at 50% commission, that does not mean that you will receive 50% of the policy's annual premium to your bank account.

Explanation: Insurance companies usually advance you up to 75% of the policy's annual premium, then you can calculate your commission amount based on your commission rate.

Example: If they start you at a 50% commission and you sell a policy for $1,000 annual premium, your commission is:

$1,000 annual premium x 0.75% advancement = $750

$750 commission advancement x 0.50% commission rate = $375 upfront commission -> this is the amount deposited to your bank account.

At Family First Life, you will start at 100%. If you sell a policy with $1,000 annual premium, you receive $750 to your bank account in 48 hours and $250 in the 9th month.

What is the chargeback period?

A chargeback also called "reversal" is when you sell an insurance, but the client cancels the policy in a period of time. If the client cancels too early, you need to pay back the advanced commission.

Some companies have a 24 months chargeback period, which means if your client cancels the policy in the next 24 months, you will need to pay back the commission.

At Family First Life, our careers have only a 12 months chargeback period.

Please note that out of 10 insurance policies approximately only 1 will be cancelled in 12 months. (My personal reversal is less than 3.5% )

Will you get your renewals/residuals if you decide to leave the company in the future or they will keep it?

Most of the insurance companies will ask you to sign a contract which states that you will not receive renewals if you decide to leave the company.

At Family First Life, you do not sign a contract, therefore you will receive your renewals even if you leave the insurance business.

Are there any monthly fees which they deduct from your monthly commission statement? If yes, why?

Laptop, desk, back office, phone, annual convention These are the fees that insurance companies are deducting from your monthly commission statement which is usually more than $250 per month.

At Family First Life, there are no fees.

How many carriers are they representing?

As a life insurance agent, you want to make sure that you can help any client with any health condition. When I was a captive agent for 7 years, 10% of my clients were declined due to health issues.

At Family First Life, you represent 21 A+ rated companies, therefore if a company declines your client, you can show many other options, so you will never leave the meeting without a sale and the client without coverage.

For all the carriers we represent, please see the attachment.

WHY I JOINED FAMILY FIRST LIFE AFTER BEING A CAPTIVE AGENT FOR 7 YEARS:

✅ HIGHEST COMPENSATION IN THE INDUSTRY - You start at 100% and you have an ability to earn up to 145%.

✅ NO COLD CALLING AND NO NEED TO CALL YOUR FRIENDS/FAMILY MEMBERS

✅ REAL -TIME EXCLUSIVE LEADS - Real-time lead means that the prospect filled out a life insurance form online in the past 24 hours. Lead cost: $0.25 to $11 per lead. Return of investment: 10x (If you buy leads for $200 your make $2,000 on average)

✅ VESTED RENEWALS FROM DAY 1 - If you leave the insurance business, you will still get your renewals for your whole life

✅ NO FEES - No fees for training, back office or annual convention

✅ NO CONTRACT - You are truly independent. We will not ask you to sign a contract.

✅ 15 A+ RATED CARRIERS WITH 100+ PRODUCTS - Life Insurance, Living Benefits, Disability, Medicare, Annuities, Investments

✅ BEST TRAININGS - At Family First Life, only Top Agents (min. $400,000 issued business) are allowed to train new agents

I think 2020 was a great year to learn why we should appreciate our time and new opportunities.

This is why my goal at Family First Life this year is to help new agents to start at a company which is the Best for the Families of our Agents and the Families of our Clients.

The difference between insurance companies is how much commission they want to take away from their agents. This is why some companies start agents at 25%, 50% or 70% while Family First Life at 100%.

It also gives you the answer why Family First Life has 4.8 reviews on Glassdoor while others have 4.0 or less.

Why I am sharing this information with you

Because I wish I knew these things 3 years ago when I started in this business and if I could tell you at least one thing in this email which you did not know, it is already worth it.

If you want to learn more about joining Family First Life, please schedule a call with me by clicking on the link below:https://booking.fflwolves.agency/

You can also find me on Instagram @wolvesfinancial or search my name on Google/Facebook.