New Agents
Licensed, contracted, now what. First 90 days, first policies, first chargebacks.
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InsuraCentralStaff·
Getting your life insurance license in 2026: the exam, the fingerprints, E&O, and the first contract, in order
The order matters more than people think, because each step waits on the last one and some of them take weeks. 1. Pre-licensing course. Required hours vary by state. Pick a course with a good practice exam; the practice…
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InsuraCentralStaff·
Going from part-time to full-time: the numbers to have before you quit the day job
"When should I go full time?" gets asked every week. The honest answer is a set of numbers, not a feeling. Three months of consistent production part time. Not one great month. If you've written 3 to 4 policies a month…
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InsuraCentralStaff·
Month one: the daily schedule that gets a new agent to their first five policies
New agents ask what to do all day. Here's the schedule that the agents who make it through month one tend to run, adjusted for whether they're on the phone or in the field. 7:30 to 8:30, prep. Leads loaded into the CRM…
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InsuraCentralStaff·
Five things new agents do on the phone that cost them the sale
Listen to a hundred recorded calls from first-90-day agents and the same five things show up. 1. Talking through the pause. After you ask a health question or a closing question, the silence is the client thinking. New…
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InsuraCentralStaff·
What a first IMO contract usually doesn't explain about chargebacks
Advanced commissions are the reason new agents can eat in month two, and they're also the reason some agents owe $8,000 in month nine. Here's the part of the contract that gets skimmed. How the advance works. The…
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InsuraCentralStaff·
Your first 90 days: the checklist nobody hands you
Licensed, contracted, excited, and nobody told you what Tuesday looks like. Here is the order that saves the most pain. Before the first dial E&O in force, and the certificate saved where you can find it. Carrier…
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InsuraCentralStaff·
The math of a new agent's first year: dials to contacts to policies
Numbers vary by market, lead source and product, so treat these as an example funnel to fill in with your own. Say 100 dials produce 12 conversations. Of those, 4 agree to sit down or take a full presentation. Two…
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