There are many great places to work in the insurance industry but Bankers Life isn't one of them! If you have a soul, compassion and the desire to provide value in the products you represent, look elsewhere! To be successful in this as with any industry requires hard work and dedication but you don't need to sacrifice your personal ethics to prosper. Quite the opposite...Over the long haul being honest and giving credible advice to all prospects/clients will ultimately generate you more business than being deceptive or underhanded. Most people appreciate when you give them the best possible advice even if that means they should keep what they have and you don't sell them! I've had many referrals from people I didn't sell...because I was honest and told them the truth!
Bankers has a history of stalling people on LTC claims(see video) and pushing agents to sell people policies that aren't always in their best interest. On a comparative basis they are one of the most expensive carriers in the marketplace.Do your research and shop around; talk to an independent insurance broker who represents many different companies; look on your state's Dept of Insurance website for comparison tools.
Bankers treats new agents like fodder...they hope they will sell a few policies to friends, family or prospects before 90-95% burn out and quit since they are spending their own money to get licensed, chase leads and service former agents complaints. After they do quit they'll get notified that they owe the company the bulk of the small amount of money they made, which is probably less than they spent on gas, cell phone and supplies! They don't tell you upfront that they are charging you for lead lists that have been recycled over and over! If there are any "real" inbound inquiries new agents will never see them! Your manager is also a selling agent so they will scoop them up or give them to a senior agent. When you set appts and go out with a veteran agent they will take a big portion of your commission!
When you're dealing with seniors, their healthcare and livelihood wouldn't you want to help them find the best option for them at the lowest cost so that your advice is credible and your service is a value to them? If so Bankers policies ARE NOT in their best interest! Look at their complaint ratio it's one of the highest in the industry...ck with your state Insurance Dept.
When you do the right thing by every prospect every day you never have to be ashamed of who you are and what you represent! Your clients will appreciate it too.
Product or Service Mentioned: Bankers Life And Casualty Company Life Insurance.