Health Insurance Agents Selling Life Insurance Too

If I sell Life/Health now, should I consider selling both?
If I want to be a health insurance agent, should I sell life insurance too?

As with most questions of "should I do this" or "should I do that", there is no definite yes or no answer to this question. You can sell Health insurance by itself, or along with Life insurance, just like you can sell Life insurance by itself. However, there are no real cons to selling both and at least a few bonuses.

Often agents will have both licenses because opportunities come up and you don't want to leave an opportunity staring you in the face. Even if you end up referring the Health business to another agent, you can still split commissions or get a referral fee if you also have a Health license.

Practically speaking, many insurance agents do decide to sell both Life and Health insurance policies (for which you need to pass two separate tests with the state, see our Life and Health insurance license section) because it is often more lucrative without being a whole lot more work. At the very least, it can be helpful to be licensed, in case the need arises. Generally speaking, the costs of licensing and of maintaining an active license are not so high as to make the prospect prohibitively expensive.

Agents who do decide to acquire their Life and Health licenses at the same time are often able to save some amount of money upfront by combining their insurance training programs.

If I am a health insurance agent, should I consider selling life insurance as well?


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