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Editorials by the Skipper

STOP don’t drink the Kool-Aid

STOP don’t drink the Kool-Aid

We’ve all heard the Kool-Aid “…use our leads and systems and you’ll make $100’s of $1000’s of dollars a year.” Only to find we’re coming up short and over $2000 in debt buying those leads. They didn’t tell you that those leads have been previously worked and continue to be resold to agents even now. Their answer to why you’re not having success “…it’s your fault”, “…you’re not calling enough”, “…everyone else is succeeding.”

Then after asking for help, you’re ghosted. They stop answering your calls, answering your emails and never return your calls. Why? Because they have no idea how to help. They have no idea how to coach you into being successful. They’re being taught to recruit and see who is successful and those that aren’t to just move on to the next person. They’ll ignore your request for a release so you can move on to an IMO that actually can help you. Forcing you to have to wait the six months before you can self-release.

Joining groups such as these is no reflection on you. After all the Kool-Aid message can be quite compelling. The old adage of “If it sounds to good to be true, it usually is” fits perfectly. They’re taking advantage of your situation just to get you contracted and start buying leads.

These IMO’s make lots of money on selling and reselling leads. They also sell point-of-service leads which are from past agents, and now you, whom they ghosted but sold a few policies to replace those polices you wrote. Their attitude is “ethics be damned” replace the polices.

If you were lucky enough to find an IMO to help you succeed, you’re now saddled with chargeback debt and a possible Vector preventing you from future contracting and advancing. I wish there was an easy way around this issue, but unfortunately, there is not. You’re responsible for paying back any outstanding debt.

To avoid this very unpleasant experience, do your research before signing up submitting any contracts. Ask specific questions regarding their leads – “…are they exclusive to me?”, “…are they fresh or have they been already worked?” Ask whether they have mentors you can talk too. How does their mentorship program work? Do they have a release policy and what is it and where is it stated. Note: don’t ask for a release document up-front. If you do the IMO will move on to the next candidate. Respectable IMO’s will not want to work with someone who already wants one foot out the door before they’ve written their first policy.

The best IMO for independent insurance agents is knowledgeable on product, knowledgeable on presentation, has the tools for you to succeed, and can provide the level support you’re looking for.

Consistency Over Perfection: The Real Key to Building Your Insurance Career

Consistency Over Perfection: The Real Key to Building Your Insurance Career

In the world of independent life insurance sales, there’s one quality that separates long-term earners from short-term dabblers — and it’s not talent, charisma, or even product knowledge.

It’s consistency.

At Legacy Agent, we’ve seen firsthand that the agents who succeed aren’t always the ones with the most experience or the best connections. They’re the ones who keep showing up — week after week — refining their approach, learning from each contact, and building momentum through focused action.

This article is for any agent — whether you're brand new, returning after time off, or looking for a new home — who’s tired of hype and wants to build something sustainable. No fluff, no pressure, no contracts locking you down. Just clarity on what works and how we support it.


You Don’t Need to Be Perfect — Just Present

A lot of agents think they need to master everything before they can start. They hold back until they “feel ready,” which leads to hesitation, missed opportunities, and eventually burnout.

The truth?
You don’t need to be great to start. You just need to start — and then keep going.

The most successful agents didn’t come in knowing everything. They learned by doing. They built confidence by picking up the phone, following the system, and learning from real conversations.


Why Consistency Beats Talent

This business doesn’t reward energy in bursts — it rewards those who stay consistent. That doesn’t mean grinding 70 hours a week. It means protecting a few hours each week to connect with leads, follow up, and refine your sales flow.

At Legacy, we encourage agents to stay plugged in through biweekly or monthly touchpoints — but never with pressure. Instead, we focus on useful content:

  • Case studies and success stories
  • Objection-handling tips
  • New lead promotions or underwriting updates
  • Quick reminders to keep your pipeline full

It’s about adding value — not chasing quotas. That’s how you stay sharp, build confidence, and get paid.


Real Support Without Strings Attached

Legacy Agent was built differently — because most of us came from environments that made promises they didn’t keep. The kind of places that:

  • Make you sign a long onboarding agreement before you can even quote
  • Threaten your commissions if you try to leave
  • Use “training” as a way to lock you into a one-way relationship

We don’t play that game.

At Legacy, we don’t make you sign an agreement just to start building your business. We don’t bury you in legalese to make you think you’ll be nothing without us. You’re already capable. You already have what it takes.

You shouldn’t need permission to be independent.


A Word of Caution: Read the Fine Print Before You Commit

We won’t name names — but some onboarding platforms or uplines require agents to sign detailed legal contracts before they’ve even written a single policy.

These agreements might sound harmless at first. But if you read the fine print, they may contain:

  • Multi-year exclusivity clauses
  • Commission clawback rights that only protect the company
  • Non-solicitation or non-compete language that affects your ability to grow

If someone asks you to sign something before you’ve even been trained or paid — slow down and read it carefully. Ask yourself: What happens if I want to leave in 6 months? Am I locked in? Do I lose my book?

At Legacy Agent, we believe if someone needs to trap you into staying, that tells you everything you need to know.


Case Study: From Rusty to Rocking

Take Andrea — an agent in North Carolina who hadn’t written a policy in over a year. She was nervous and unsure if she still “had it.” We didn’t pressure her or make her sign a contract. We just helped her plug into the quoting tools and encouraged her to start with a few warm-up texts.

That month? She wrote three Final Expense apps and one Mortgage Protection case.

There was no magic. No sales gimmicks. Just support and steady execution.


What If You’re Stuck?

Every agent hits a slow patch. That doesn’t mean you’re not cut out for this — it means you’re human. When motivation dips, here’s what we recommend:

  • Reconnect with your “why” — More freedom, income, time? Let that fuel you.
  • Protect your time — Block hours in your calendar like it’s a real job (because it is).
  • Talk to someone — We’re happy to help you troubleshoot what’s really holding you back.

You’re not alone — and you don’t have to figure it all out by yourself.


You Don’t Need a “System.” You Need a Partner.

We’re not trying to be the biggest IMO in the country. We’re building something better — a home for agents who want control, flexibility, and real support without the usual strings.

No lock-ins. No quotas. No contracts designed to keep you from growing.

Just honest mentorship, tools that work, and a path you can trust.


Final Thought: Start, Then Stay the Course

If you’ve been watching from the sidelines, waiting for the perfect time, this is your sign: start now — not perfectly, but consistently. The rest will come.

At Legacy Agent, we don’t just hand you tools and hope you figure it out. We walk with you, help you adjust, and keep showing up — because that’s what this business rewards.

You’re already great. Let’s help you prove it.

 

🚀 Ready to Start Without the Strings?

Visit Get Started to explore contracting options, or reach out directly for a no-pressure conversation. Whether you’re licensed, returning, or just curious — we’ll help you make the next right move for you.

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Legacy Agent, LLC
41000 Woodward Ave, East Ste #350
Bloomfield Hills, MI 48304
 

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+1-888-479-9888
+1-248-461-3360
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