Considering getting my license to sell health and life insurance.

[frigidweirdo]

You are still missing the point. Agents didn't create the healthcare system. They serve a purpose inside the system that exists.

And government officials also serve a purpose. That purpose isn't always a necessary one, that purpose doesn't stop that person being a leech on the system.

 

[Anomalism]

And government officials also serve a purpose. That purpose isn't always a necessary one, that purpose doesn't stop that person being a leech on the system.

There’s a difference between being part of the problem and helping people survive the problem. Agents don’t set drug prices, hospital charges, or government budgets, but they do keep people from going uninsured or bankrupt when those realities hit.

If you want to call that leeching, then you’d also have to call doctors, nurses, and anyone paid inside the healthcare system leeches too, since they’re all part of it. That’s not a serious argument. It's just painting with a brush so broad it stops meaning anything.

 

[frigidweirdo]

There’s a difference between being part of the problem and helping people survive the problem. Agents don’t set drug prices, hospital charges, or government budgets, but they do keep people from going uninsured or bankrupt when those realities hit.

If you want to call that leeching, then you’d also have to call doctors, nurses, and anyone paid inside the healthcare system leeches too, since they’re all part of it. That’s not a serious argument. It's just painting with a brush so broad it stops meaning anything.

No, they don't. And I'm not saying it's all the fault of the insurance companies. But the insurance companies play a big part in allowing expenses to go through the roof.

Imagine, you're an agent and someone wants to buy insurance. You get 15%. So if they spend $100 a month, you get $15 a month. If they spend $400 a month, you get $60 a month.

All the more reason to allow increased spending in hospitals.

 

[debbiedowner]

Do you think people would prefer to pay 15% of all their healthcare on someone who does absolutely nothing for them, except maybe stand in their way of getting healthcare, or on actual healthcare?

You're saying agents do nothing for them and that the person buying is paying 15% to that agent? If so you're fucked up in the head.

 

[debbiedowner]

No, they don't. And I'm not saying it's all the fault of the insurance companies. But the insurance companies play a big part in allowing expenses to go through the roof.

Imagine, you're an agent and someone wants to buy insurance. You get 15%. So if they spend $100 a month, you get $15 a month. If they spend $400 a month, you get $60 a month.

All the more reason to allow increased spending in hospitals.

Take the agent out and nothing changes.

 

[frigidweirdo]

You're saying agents do nothing for them and that the person buying is paying 15% to that agent? If so you're fucked up in the head.

I'm saying what that agent is doing is not necessary. That a system can work without having a person there to take 15% of your money and give you insurance that isn't necessary.

The UK doesn't need such people. Doesn't have many of these people, only those who get private insurance need these people.

 

[frigidweirdo]

Take the agent out and nothing changes.

Well, yes. That's why I'm saying change everything. Then you don't need agents.

 

[debbiedowner]

I'm saying what that agent is doing is not necessary. That a system can work without having a person there to take 15% of your money and give you insurance that isn't necessary.

The UK doesn't need such people. Doesn't have many of these people, only those who get private insurance need these people.

Ok, then get rid of the agents and see what happens. From 30 + years of experience about 80% of the public have no idea what they're signing up for themselves other than life which in most cases is cut and dry. On health insurance and Medicare plans it's about 90% of the public don't know what the hell they're doing if they go it alone. If this 90% decided to call the actual companies the service they'll receive is next to none.

Life insurance commissions are much greater than 15% and health insurance varies from company to company some a little more than 15% and some less. But get rid of the agents isn't going to lower your cost by one cent. Agents not only sells but most have a lot of servicing their clients during the year to navigate health plans, medicare supplements and medicare advantage plans. 90% of the time if you call the company for the servicing an agent does you're not going to get through or someone off shore in a call center. I don't care what the UK doesn't do, but if they were on a system such as U.S. they would be doing the same as us.

 

[debbiedowner]

Well, yes. That's why I'm saying change everything. Then you don't need agents.

Just saw this but if you take the agents out how is the public going to know what laws are changing every year regarding their insurance and now in some cases things are changing month to month because of the inept CMS.

 

[frigidweirdo]

Ok, then get rid of the agents and see what happens. From 30 + years of experience about 80% of the public have no idea what they're signing up for themselves other than life which in most cases is cut and dry. On health insurance and Medicare plans it's about 90% of the public don't know what the hell they're doing if they go it alone. If this 90% decided to call the actual companies the service they'll receive is next to none.

Life insurance commissions are much greater than 15% and health insurance varies from company to company some a little more than 15% and some less. But get rid of the agents isn't going to lower your cost by one cent. Agents not only sells but most have a lot of servicing their clients during the year to navigate health plans, medicare supplements and medicare advantage plans. 90% of the time if you call the company for the servicing an agent does you're not going to get through or someone off shore in a call center. I don't care what the UK doesn't do, but if they were on a system such as U.S. they would be doing the same as us.

Get rid of the private healthcare industry, have a system where people pay through taxes. Won't happen, the US is controlled by the rich, the rich don't want to have to pay 10% of their income for healthcare, they prefer spending a thousand a month for great healthcare.

 

[frigidweirdo]

Just saw this but if you take the agents out how is the public going to know what laws are changing every year regarding their insurance and now in some cases things are changing month to month because of the inept CMS.

You wouldn't need to know about laws, you wouldn't need to have everything complicated.

You get ill, you go to hospital.

Did you know the US federal govt spends MORE per capita on healthcare than the UK govt does.

And in the UK everyone gets healthcare, in the US, most don't and you have to pay another 50% on top of that in insurance.

 

[Hafar1014]

You wouldn't need to know about laws, you wouldn't need to have everything complicated.

You get ill, you go to hospital.

Did you know the US federal govt spends MORE per capita on healthcare than the UK govt does.

And in the UK everyone gets healthcare, in the US, most don't and you have to pay another 50% on top of that in insurance.

Healthcare in the US is better than the NHS in the UK which is collapsing. Drs leaving in large numbers they got one raise in 14 years and actually make less caused by inflation. Wait times are in months even years. Covid wiped out their funds. There is no mental health for children and for adults its decades behind Americans mental health. Need an ER you hsve to call and wait on the phone for hours to get permission. There is no insurance fir dentists and we can ll see that yellow teeth. We spend more fr the same reason a BMW costs more than Fiat Its better

 

[debbiedowner]

Healthcare in the US is better than the NHS in the UK which is collapsing. Drs leaving in large numbers they got one raise in 14 years and actually make less caused by inflation. Wait times are in months even years. Covid wiped out their funds. There is no mental health for children and for adults its decades behind Americans mental health. Need an ER you hsve to call and wait on the phone for hours to get permission. There is no insurance fir dentists and we can ll see that yellow teeth. We spend more fr the same reason a BMW costs more than Fiat Its better

True they make less than U.S. doctor's but they have had raises in the past few years.

The most recent pay award for doctors in the UK's National Health Service (NHS) took effect in the 2023-2024 financial year for most doctors, and was further enhanced by the 2024-2025 pay award for Junior Doctors (also known as Foundation Doctors), with some junior doctors already seeing a pay increase in July 2024 and others with a further uplift in April 2025, though it should be noted that the specific timing and amount of the raise can vary based on doctor grade and location.
There is mental health.
If you have a life threatening emergency you do not call. But other's it's advised to call so they can advise you to either come to ER or an urgent care center.
And last but least in your paragraph of lies, there is dental.

Dental services available on the NHS

Find out what dental services are available on the NHS.

www.nhs.uk

Do you just throw shit out and hope no one will take the time to research your bullshit?

 

[frigidweirdo]

Healthcare in the US is better than the NHS in the UK which is collapsing. Drs leaving in large numbers they got one raise in 14 years and actually make less caused by inflation. Wait times are in months even years. Covid wiped out their funds. There is no mental health for children and for adults its decades behind Americans mental health. Need an ER you hsve to call and wait on the phone for hours to get permission. There is no insurance fir dentists and we can ll see that yellow teeth. We spend more fr the same reason a BMW costs more than Fiat Its better

And imagine if the UK spend anywhere near as much as the US on healthcare. Essentially the NHS costs about the same as Medicare and Medicaid. That's about 50% of the US healthcare costs.

And for a lot of people the NHS is better. In the US poor people get screwed with almost not medical care if they can't afford to buy insurance and don't get it on Medicare or Medicaid.

 

[debbiedowner]

This is a very high turnover market with a ton of earning potential. There are agents right now making 500k to millions of dollars annually. I may just be arrogant, but I consider myself somewhat ahead of the curve when it comes to general comprehension of ideas and my ability to communicate with people. I've had several insurance companies, car lots and other sales groups try to hire me in the past when I applied just out of curiosity. Everybody I've talked to seems to think I'd be amazing at sales, but maybe they say that to everybody.

I love law enforcement type work, but the income cap is something I'm just not willing to settle for long term. Have any of you worked this or other commission sales jobs? Can you give me any insight or advice?

So, how's it going so far? What line do you think you may get into?

 

[Anomalism]

So, how's it going so far? What line do you think you may get into?

It has been kind of a process. I'm getting appointed by like 10 different carriers. It'll allow me to offer a lot of different options though.

I see why a lot of agents fail already. It takes a little bit to start making money. I'm going to be selling mostly final expense, Medicare and annuities at first.

 

[debbiedowner]

It has been kind of a process. I'm getting appointed by like 10 different carriers. It'll allow me to offer a lot of different options though.

I see why a lot of agents fail already. It takes a little bit to start making money. I'm going to be selling mostly final expense, Medicare and annuities at first.

Good start. Depending on your age sometimes depends on how you approach annuity prospects. Be especially careful with Annuities as if you screw up an old person you may be in deep crap. When you get your E&O be sure to include the annuity coverage.

Good luck!

Oh, if you haven't you really need to read the senior section on the insurance forums.

 

[Anomalism]

Good start. Depending on your age sometimes depends on how you approach annuity prospects. Be especially careful with Annuities as if you screw up an old person you may be in deep crap. When you get your E&O be sure to include the annuity coverage.

Good luck!

Oh, if you haven't you really need to read the senior section on the insurance forums.

Sold my first policy today! I actually like this job. This may sound corny, but I genuinely tend to like people and enjoy conversation, and I think that helps a lot. I am a beast at the door. The guy training me was very surprised by how quickly I'm progressing.

 

[debbiedowner]

Sold my first policy today! I actually like this job. This may sound corny, but I genuinely tend to like people and enjoy conversation, and I think that helps a lot. I am a beast at the door. The guy training me was very surprised by how quickly I'm progressing.

Good going. Keep it up it's a long road.

 

[Captain Caveman]

It is a parasitic middleman.

In the UK they don't have it. They don't need it.

Agents direct people through a system that is totally unnecessary.

What on earth are you on about? So how does private healthcare in the UK get sold? Did you not know we have both National and Private Healthcare??