How to Sell Health & Life Insurance From Home
The career of life and health insurance sales can be both profitable and rewarding. Many agents work from the comfort of their own home and make a good living doing it.
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Instructions
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Start studying for your insurance license exam. Every state requires insurance agents to have a license for the products they sell. You will need to pass a life and health insurance exam to be granted a license by the state you want to do business in. Most insurance agents will prepare for the exam with either classroom training or a self-study course.
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Take and pass your insurance exam. Most states require a 70 percent or better grade to pass the exam. Be sure to take practice exams with testing software before you go take the test; you should be scoring 85 percent or better in a practice scenario before you take the real test. If you fail the test, you will typically need to wait 30 days before you can take it again, but the waiting period will vary from state to state. Once you have got the exam finished, watch your mailbox for your license to arrive.
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Get contracted. Once you are licensed, select a carrier to do business with. Make sure to research the companies' compensation plans and product offerings before you decide on an insurer to work with. You will want a high commission rate and a portfolio of robust and competitive products to offer to your clients.
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Pick a market. In selling life and health insurance from home there are many products and solutions you can offer. Take some time to think about the types of people or products you want to work with and familiarize yourself with the specific solutions that market needs. Becoming an expert in a market will make your work more enjoyable and rewarding. Popular niche markets include senior insurance and small-business insurance.
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Start selling. Now that you're in business, you'll want to start calling your leads to discuss their insurance needs.
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