I'm 43 and trying to start a new career in selling health insurance whats the best way to build my business?
365624
Word of mouth is always the best business.  Always ask for referrals from anyone you do business with and ask for referral from someone who says no.  "I was unable to help you, do you know of someone who might need my services"?\n\nBest of luck to you.
175935
Do you have a website?  If not, get one. Also advertise your business on several locations on the net.  Here are a few to start with:\nHomeowners Insurance - http://www.insuremyhouse.com \nLife Insurance - http://www.insuremylife.org\nCollege Planning - http://www.529s.com\nAuto Insurance - http://www.insuremyvehicle.com
112607
your best bet is to look to purchase a business from someone that is looking to retire.  \n\nAlso, if you feel that you can add something to a business that will make it prosper then you might be able to get a real bargain.  Also, if you purchase SEVERAL small businesses you can build up some scale and eliminate duplicate costs -- therefore make a higher profit for yourself.
259446
Become a consultant.  Surround yourself with experienced people.  Find work for them.  Keep 50% of the revenues.  Choose a field you love the most.\n\nJackson0005@yahoo.com
498623
If health insurance is an issue (ie, you have to provide your own for yourself), strongly consider getting a C-corporation.  If not, consider an S-Corporation.  There are SO many advantages of a small business.  You can deduct your business computer, business cell phone, related auto expenses, health care expenses, etc.  It's an incredible effective tool for growing wealth.  I strongly recommend against being a sole properitor (sp) business.  You'll get eaten alive with taxes -- if you make any income).  A C-corp also lets you carry your losses forward, which is great when you may have a lot of expenses and not a ton of income (now), but when you make money (later), you'll have that loss carry forward which will wash out income, and wash out taxes.\n\nEmail me with any questions, Good luck!\n\nJared
986184
First off, ask yourself what needs do you have?  Lets take each case, first your father is over 65, and he may or may not qualify to Parts a & b & d of medicare, check into this first.  Then depending where your father lives, (presuming he has Medicare) he can purchase a Medicare Supplement plan, or the more popular HMO Medicare plans.  I would suggest you contact medicare to find out if your father qualifies for medicare, and also ask what is available in your state for his options.  I could go on for hours about the differences on HMO and Supplemental plans- if you have more questions contact me.  Next, mom is 64, so when she turns 65 she will also be eligible for Medicare "again check with medicare" so her needs will be different than yours- it will depend on her health needs, what dr. she sees as far as the policy type I would recommend.  Last you and your wife, both of you are in the Child bearing years- so if you are thinking of having children in the future please make sure the policy you pick will cover maternity, many new plans do not cover maternity.  When looking for a Health Insurance plan, lots to consider:\na. Is your a Dr. a provider "PPO or HMO" this will dictate the type of plan to pick from.\nb. Do you want to prepay for services and pay a Copay for Services? (HMO, which are normally higher premiums, because a portion of your premiums is paid directly to the Dr. you pick)\nc. Would you willing to pay more out of pocket with copays, and co-insurance (normally a percentage of the negotiated rate varies between 10-40%) in order to select a wider number of physicians (PPO), most PPO have thousands of Drs to pick from.\nd. Premiums, Premiums, Premiums, set your monthly or yearly budget for healthcare costs.\ne. Gaining popularity in the health scene is "Health Strategies", normally this means HRA or HSA plans, or what I call a Self Funded type of plan, coupled with a High Deductible.  With this type of strategy the consumer "YOU" act like a health insurance company- you see health insurance companies re-insure, this means they take out policies with Lloyds of london and others to limit liability.  With this type of plan, you take on a high deductible and pay out toward this deductible during the year, put money aside "ex. HSA non taxable in most states" to save for your deductilble, health insurance co's call this "reserves" most have billions in reserves, so it is not hard to figure that the odds are on your side that you will "accumulate money".. remember the health insurance corps are not into it to loose money.  Smart consumers throughout America are switching to Consumer driven type plans, as HSA eligible plans.  I would suggest going to my website www.HSAInside.com or calling me direct for any questions.\n\nRudy Rivas, President\nwww.HSAInside.com
933339
If you are looking for a real work at home job I have the perfect one for you, this is a company that has been in business for over 13 years and is registered with the BBB, we are a discount health insurance agency and what we do is assist in getting family's health care,it is easy and simple you will be set up with your own e-mail and website and you get the new clients to come to your website and ask for more information all you do is set up a time with them to call them back and get them enrolled!!!! You do need to make some effort in getting new clients to the website but that is the easy part, the company will mail you ou post cards and many other easy tools for you to use!! Sounds to good to be true well it is I have been doing this now for a year a my income is residual at about 32K a year working for about 4 hours a day, I could not be happier! Please take time in going to my website and setting up a time for me to call you with more information!!!! If you get started before the 1rst of Dec it's only 1$ to enroll you won't find that any where else!!!\n\nSincerely Jodi!!\nAmeriplan Rep!\n\nhttp://www.myhomebusinesspays.com/40453871
344043
I believe that an excellent way to try yout hand at running your own business is to choose a network marketing company that has a product that you can relate to. You will be responsible for sales and team leadership without the huge expense and financial risk associated with other business start-ups. You can do this part-time until you have developed a good income stream. This way you don't have to leave the paycheck and insurance benefits that you get at your current job until you are ready. There is a lot more to choosing the right company. If this idea interest you write to me at bruce@getvia.com and I can share even more details on how to choose wisely.
604261
You need to be licensed by the Department of Insurance of each State in which you wish to sell insurance. The process of becoming licensed involves taking an approved pre-licensing course, a state exam, an application process to and through the State Department of Insurance, and a very detailed background investigation. \n\nThe website of your State Department of Insurance is likely to have a section devoted to insurance "producer" licensing, and that will be your best starting point.\n\nNote that you must also be "appointed" by the insurer(s) whose insurance you wish to sell.  Proper state licensure will be a prerequisite to appointment
352774
I've been an agent for 29 years so maybe I can help.  \n\nFirst off, make sure you know all the ins and outs of your products.  Then, you want to sell to the need.  You need to make the client see and understand why they need the insurance.  Use needs analysis tools that they have to fill out.  When selling to couples, sell to the survivor.  They are the ones who will be left behind.  Sometimes you may start off just selling one particular need, foe example mortgage protection, other times the entire family need.\n\nNever try to over sell them.  It's always good to find out what they can afford first.  Find a plan that best fits their budget.  \n\nLead your client to the yes decision.  Ask questions that have yes answers, for example, "Mr. Client, if you were to die tomorrow, you'd want your family to remain in their home wouldn't you?."\n\nLike everything else, it take practice.  Do a lot of role playing.  Practice handling objections.
107986
Excellent choice! Becoming a travel agent also give you a open door for other services. And nope... 2 Businesses are not too many for that amount of poeple.\n\nFirst, see if you can get some information about your competitor, like: Customers service rating, prices, marketing strategies, and any other service that he may provide. Do this by asking people around your town and look in newspapers for their ads.\n\nAfter you do this, you need to work on your business plan, go to Entrepreneur.com for some tips and samples. Also, you need to wright at least 3 things that you can do better or cheaper than them (But keep your word and do it for your customers). \n\nNow a good Grand Opening "Open House" will be the best start up marketing strategy I recomemd. get some cheap but good looking invitations and give them out to the Mayor, City Hall workers, Police, Fire Department, Factories, and every other business in town. Try to get the Mayor to go to your open house, this way reporters will be there, too. That's free newspaper advertising...\n\nOh! if you have the resources see if you can advertise your grand opening sale on your local newpapers. Also put a banner outside your office with big letters about your grand opening and leave it their for at lease 3 month. This can get you some extra traffic...\n\nAnother thing. You need to have coupons for all those people at your Grand Opening, because the next time they think about traveling they will call the one they have a discount coupon from, and that would be you.\n\nOther services that you can offer are:\n\nTax Services\nAirport Transportation\nTelecommunication Services\nCar Insurance\n\nAnd you don't even have to do all this for yourself. Just partner with someone that prepares taxes for a percentage of the sale, or even better if they give you a wholesale rate, so you can charge your own price...\n\nHope this help, Sorry But I'm a little sleepy...\n\nGood Luck!\n\nYours truly,\n\nLuis Galarza, Business and Telecommuncation Consultant\nat: http://www.cogni360blog.co.nr and http://luisgalarza.blogspot.com
61422
You could possibly make more money if you start your own business, provided that you are able to: a) cover your current living expenses; b) cover yourself with a reasonable set of benefits (i.e. medical, retirement); and c) cover your tax/medicare requirements, all of which are usually higher since a typical employer will cover a portion of these for the employee.\n\nYou may wish to augment being just a technician with perhaps also providing "turn key" computer systems at competitive prices.  By getting a business license in your city/state (which is usually affordable), you get the advantage of a) having certain tax write-offs for money that is put into your business (such as buying books, tools or paying for travel); and b) you get to buy items at wholesale prices (even better deals in bulk) that can help keep your prices competitive.\n\nYou will need to do a bit of research in order to determine how your pricing structure will match your expensives; possibly by playing some "what if" games with the numbers.
534839
I would strongly suggest you not work from the home-business model until you have experience first, as the experience and ability to interact and learn will benefit you tremendously.\n\nMany of the home-based business models of medical billing can be costly or not provide you with much income.  You may have to bid on jobs, and not may providers will accept your bid without experience.  It may be up to you to market and sell your business.\n\nYour work will consist of getting materials, reading the materials, and then filling that data into UB-92's or HCFA 1500's.  You will be evaluated on your accuracy.  With some companies, you will not be compensated unless you have 100% accuracy.\n\nThere will be a lot of variables to the home-based business model.  Try working in an office to make sure you'd like it before you try doing it out of the home.\n\nGood Luck!
798567
Sit down and make what I call your "Field of 1000".  Make lists of all the people you can think of from old jobs, your neighborhood, church, community activities, college, high school, family friends etc .... Keep writing down names until you have 1000 different people.  Call every single one of them to sit down so you can tell them about your new business.  Be VERY clear that you don't want to sell them anything.  When you meet with them, ask them for referrals.  The best leg up you can get from your own network is the opportunity to meet potential clients on a favorable basis.  Get them to write a letter of recommendation for you that you can send to these referrals and then go meet with them.  Over time, your friends and family will do business with you, but you want them to work with you because they want to and because they need your help, not because they felt guilty.  Getting referrals from them early on allows you to get started and allows them to help without buying a product they might not want or need.\n\nIn addition to this, join community organizations (church, rotary, chamber of commerce, jaycees etc ...) so that you have an opportunity to meet community leaders and businesspeople on a favorable basis.  You won't get business from this immediately, but your long term success will be greatly enhanced by becoming well connected in your community.\n\nGood Luck - hope this helps.
127011
You need to get a business license and make sure you do the classes in a business zone.  You will want insurance to cover your tail when somebody does something stupid, gets hurt or ill, then blames it on you.  You will want an accountant to make sure you keep your books properly and help you with taxes.  You will want to make sure you understand the sales tax laws in your county and state, and how and when they will be collected.  You will want to advertise and offer specials to bring in business.  You will need capital for equipment and a place.  You want to research location to make sure you get good business.  Do not rush into this.  Take a few months to do your research and market research to make sure this is what your community needs, or find a way to create a need for it.
954986
I do three different things to make money.  One is on mylot.com  you can do what you are doing here and get paid for it.  Just post questions and answer questions.  It's a nickel and dime thing but it does pay and I do it just to fill in some extra time.  The second is I am an ebay seller.  I sell old stuff that I had around the house, I make lap quilts and sold those or I will even by something really cheap on sale in a store and list it on ebay and make a profit on it.  The third business I have is with Stayin Home and Lovin It!  they are partnered with a wellness company that is 21 years old and a member of the Better Business Buerau.  I do the advertising for the company to sign up people to shop directly with the company.  I enroll them to just shop or to even start their own home business by doing the same.  The response I have gotton has been amazing.  It is no risk and you don't have to do deliveries or taking orders, just bring them to the company and if they want to also work at home with the company you will help them get started.  I have had such great support and training and with really nice people.  There is no risk in trying to see if it is for you.  If you are interested go to http://healthybetterme.com/  and request more information from there.  \n\nA great sourse to look up all companies is at http://search.bbb.org/    there you can search by name, address, or url.  It really saved me form being scamed and if they don't show up on there I wouldn't trust it.  A lot of work at home promises are scams so becareful.
79990
If you are already a licensed agent, then check out FindLocalInsurance.com \nIts a network of online directories of insurance and financial services.  You'll want to get your business listed in those directories.\nIf you are not yet licensed, you'll need to do that first.  I'd suggest Dearborn.com