Are you considering an insurance sales job with Asurea?
Want to know all the details about selling insurance with Asurea to see if they are a good fit for your career goals?
If so, you’ve found the right article!
I’ll go into detail to explain everything you need to know about Asurea to judge whether or not the company is an ideal insurance agency partner.
NOTE: Check out my reviews of other insurance sales job opportunities for more insight on other agencies.
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Asurea is an insurance sales organization based in Roseville, California, with services in all 50 states.
As an Asurea agent, you will have access to products from over 80 different insurance companies.
Asurea’s main focus is life insurance, but they sell a wide range of other products.
What products does Asurea sell?
Asurea agents partner with insurance companies throughout the US to offer a range of products:
- Permanent life insurance: In addition to covering your family’s financial expenses after you pass away, this life insurance policy can provide financial support during your lifetime.
- Mortgage protection life insurance: This product ensures that your mortgage will be paid if you pass away, or if you become disabled and are unable to work.
- 403(b) retirement plan: This retirement savings product is designed specifically for non-profit and public sector employees.
- Annuities: Annuities are financial products that can generate long-term passive income and are used for retirement savings.
- Final expense insurance: This form of life insurance is designed specifically to cover expenses like funerals, medical bills, and existing credit card debt.
- Medicare supplements: These products cover health expenses that are not covered by Medicare plans.
Asurea also has a number of larger programs that organizations can implement.
- Worker’s compensation: Asurea agents can facilitate the sale of worker’s compensation programs to companies, with a focus on food, agriculture, and manufacturing.
- Public employee support: This comprehensive program offers retirement savings, life insurance, and other financial products for public employees. This program is intended for first responders, law enforcement, and corrections professionals.
- Debt free life: This program helps individuals and families get out of debt and work towards financial stability.
- Auto & home group bundle: This program enables companies to provide auto, home, and other types of vehicle and property insurance to their employees.
How Asurea’s Insurance Lead Program Works
Asurea provides quality in-house insurance leads to their agents to help them start selling quickly.
Leads are not shared – they are exclusive leads and only go to one agent. As with many other insurance sales companies, Asurea does require their sales contractors to pay for their leads.
The cost averages $15 per lead, but some leads are subsidized by Asurea, and many agents are able to make up the initial cost of the leads with their sales.
Agents can spend as much as $600 to $1,000 per month on leads, which is fairly standard.
Asurea Starting Commissions
Starting commissions at Asurea are between 60 and 70 percent on average.
There are opportunities for advancement within the company, particularly for those who are willing to be a team player and put in the extra time to work their way up.
Although Asurea does offer flexible schedules, you’ll be able to increase your overall sales and commissions by putting in more time at the office.
Is Asurea a scam?
Asurea is not a scam, but there are many factors to be aware of before you start working with them.
Asurea provides training to their agents, making it a popular choice among those who are just starting out.
Although they do require agents to pay for their leads, this is standard among insurance sales organizations.
They also have salaried positions available and do reimburse salespeople for some of their leads.
How To Quit Asurea
There are many reasons you may want to quit Asurea, for example, you ran out of money to invest in leads, you ran out of prospects to sell to, or you simply found that the business of selling insurance wasn’t a good fit for you.
The good news is, quitting Asurea is easy.
Here’s how to do it.
First, start by doing your due diligence and find another insurance agency to work for. We recommend you review our Free Agent Resource Guide here for tips on finding a quality insurance agency to join.
Once you find a new agency or carrier to join, you can go ahead and switch your affiliations.
You should keep in mind that as an insurance agent, you are licensed by the state and not by the company. No insurance agency can prevent you from stopping your affiliation with it and doing business with another organization.
You may need to cancel the affiliation with Asurea. The termination usually needs to be filed within a 30 day window, however canceling affiliation is not always mandatory.
To become properly appointed with the new insurance carrier or agency, you simply complete contracting with the new insurance carrier.
Typically, the window for companies to process affiliations is very short, with most companies approving insurance agent carrier appointments within 1 to 2 weeks on average.
Bottom line, quitting Asurea is no big deal. Simply find another organization that’s better suited to your insurance sales career goals, submit contracting through the new organization, and within the next few weeks, you’re good to go and can stop doing business with Asurea.
Companies Like Asurea
Let’s take a look at some insurance agencies and companies similar to Asurea in case you’re interested in doing a comparison.
Symmetry Financial Group is an insurance marketing organization based out of Swannanoa, North Carolina.
SFG specializes in several life insurance markets, primarily the mortgage protection insurance market. The company also offers final expense insurance, a type of whole life insurance designed to cover medical bills and funeral expenses after the policyholder’s passing.
Bankers Life was established in 1879 in Chicago, Illinois. The company is a subsidiary of CNO Financial Group.
Bankers Life offers life insurance, long-term care, annuities, Medicare (Supplements, Advantage Plans, Part D prescription drug coverage), critical illness insurance, as well as vision and dental plans. It targets the senior market, typically people age 60 and older who are near retirement.
People Helping People (PHP)
People Helping People was established in 2009 in Northridge, California. The company serves the middle markets for insurance-based financial planning. It focuses on term insurance, index universal life insurance, and fixed indexed annuities.
American Income Life (AIL)
American Income Life, a wholly owned subsidiary of Globe Life Insurance, is a major provider of supplemental life insurance. The company was founded in 1951 and is headquartered in Waco, Texas.
American Income Life’s core markets are labor unions, credit unions, and associations for insurance solicitation. Its insurance products include life insurance and supplemental health.
New York Life
New York Life, established in 1845, is the largest mutual life insurance company in the country. It offers premium life insurance, long-term care insurance, retirement income insurance, and investment plans, including annuities, mutual funds, and ETF saving plans.
USHEALTH Advisors is a wholly-owned national sales and distribution subsidiary of USHEALTH Group, one of the largest employers of health insurance agents in the United States.
USHEALTH offers individual health coverage plans and a number of related supplementary products. It specializes in marketing innovative and affordable health coverage plans. The company is focused on providing healthcare solutions to individuals and families, as well as self-employed and small business owners.
Equis is a marketing organization for independent insurance agents and agency builders.
Its main product is mortgage protection life insurance, designed to reduce or eliminate the threat of foreclosure or eviction if the insured passes unexpectedly. The company also offers final expense, living benefits, and indexed universal life insurance products.
Freedom Equity Group
Freedom Equity Group, based in Arroyo Grande, California, is an independent marketing organization (IMO) that contracts with insurance companies to promote and distribute a range of life insurance products.
Freedom Equity Group focuses on selling life insurance and annuities. Its main product is indexed universal life insurance, a form of permanent coverage that provides a cash value in addition to life insurance.
Now you know a little about how a career with Asurea works, I’d like to interject my thoughts as an insurance agent and national agency owner.
Compare Commission Levels
While commission isn’t everything, it is vital to maximizing your profitability after paying for leads. And a lower commission reduces your take-home pay and subjects you to more swings in your income.
Relative to other organizations like mine and others I’ve reviewed, Asurea offers lower starting commission levels.
While they are certainly better than some organizations, stated starting commission levels sometimes are 50% to 60% less than what I’ve seen at other agencies, such as my own.
With that said, in exchange for lower commission levels, your lead costs are subsidized, and the hope is you’ll join an affiliated Asurea agency that provides quality training.
Seek Second Opinion
No matter what insurance sales job you’re considering, always do your due diligence before pulling the trigger.
Every agency (including mine) put our best foot forward in an effort when speaking to new recruits. And doing your research on the agency to test its claims is vital.
One of the biggest reasons why agents fail out of this business is due to picking the wrong insurance agency. So don’t fall into that trap.
If you’d like to learn more about what working in my national agency is like, click the link here to learn more. Also check out my many Agent Success Stories and highly-reviewed insurance sales books.
January 03, 2023
January 03, 2023
January 03, 2023