How to Choose the Right Insurance Agency to Join

Not all insurance agencies are created equal. Joining the wrong one can cost you a year of your career and — in the worst cases — your client relationships. Carrier Access: An agency that only offers one or two carriers limits your ability to serve clients. The minimum for a serious Medicare agency: UnitedHealthcare, Aetna, Humana, WellCare, and Devoted Health. An agency with 5-7 carriers gives you enough flexibility to match almost any client to the right plan. Training — Real or Just a Zoom Link: Real training is ongoing. It includes a structured curriculum, roleplay and script practice, call recording review, and a community where you can ask questions. Ask: what does your first 90 days of training look like? Manager Accountability: A manager who does a weekly 1:1 with every agent on their team is the minimum standard for a well-run operation. If the answer to how often they meet is vague, that is your answer. The Compensation Model: A legitimate agency will show you in writing exactly what you earn per enrollment and explain clearly what they earn as well. At Davis Capital, we show agents exactly how our comp works. The model works because agents earn their full street commission and we earn an override on top — separate, not subtracted. The Culture: Some agencies are built on the hustle model — recruit constantly, pressure hard, replace the ones who do not make it. Others are built on a mission. The agencies that lead with client service tend to produce agents with better placement rates, lower chargebacks, and longer careers. Questions to Ask in Any Agency Interview: What is your average placement rate? What is your average agent chargeback rate? How many of your agents from 12 months ago are still active? What does week 1 look like for a new agent? What happens if I am struggling in month 3?