Top 5 Must-Ask Questions Before Joining a Life Insurance Agency as a Licensed Life and Health Agent
If you're a licensed life and health agent looking to take your career to the next level, choosing the right agency is one of the most important decisions you can make. But not all agencies are created equal. Before you sign on the dotted line, make sure you're asking the right questions to protect your income, time, and growth potential.
At The Pedone Agency, we believe in empowering agents with the knowledge they need to make smart, informed choices. Here are the top 5 questions every life insurance agent should ask before joining a new agency:
1. What Does the Commission Structure Look Like?
Compensation is the backbone of your success. Some agencies advertise high commissions but come with hidden fees, chargebacks, or unrealistic production requirements. Ask:
What percentage do I start at?
Are there opportunities for growth?
Are there bonuses or overrides?
Are there any fees I should know about?
🔍 Pro Tip: A fair, transparent commission structure allows you to earn what you're worth without surprises.
2. What Kind of Training and Support Do You Offer?
Even the most experienced agents need ongoing training. Find out:
Do you offer live mentorship?
Is there an onboarding process?
Do I get access to scripts, templates, and resources?
Is there field support when I need it?
At The Pedone Agency, we provide hands-on support from day one, ensuring you’re never left figuring it out alone.
3. What Type of Leads Are Provided (If Any)?
Leads are the lifeblood of your business. Ask:
Are leads provided or do I need to self-source?
How fresh are the leads?
Are they exclusive to me?
What is the cost of leads, and are there discounts?
Knowing how you'll get in front of clients is critical for consistent income.
4. Is There Flexibility in the Products I Can Offer?
The best agencies give you access to a wide range of carriers and products so you can genuinely serve your clients' needs. Ask:
How many carriers do you work with?
Can I offer both term and permanent products?
Do you provide advanced markets like IULs or annuities?
Are there cross-selling opportunities (like health, Medicare, etc.)?
The more tools in your toolbox, the better you can help families and grow your business.
5. What Is the Company Culture Like?
This one is often overlooked, but it's just as important. Ask:
How do you recognize agent success?
Are there team meetings, trips, or incentives?
Is there a focus on work-life balance?
What's the agency's mission and vision?
You want to join a team that shares your values and supports your long-term growth, not just your sales numbers.
Final Thoughts
Choosing a life insurance agency is more than just a paycheck—it's about finding the right fit for your goals, lifestyle, and future. If you're looking for an agency that puts agents first, provides world-class support, and empowers you to build a lasting legacy, we'd love to talk.
📩 Contact The Pedone Agency
Have questions or want to learn more about joining our team? We're here to help!
📧 Email: [[email protected]]
📞 Phone: (732) 503-7299
🌐 Website: www.pedoneagency.com
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