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!
Today, I 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.
Asurea agents partners 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.
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.
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.
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.
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 maximize your profitability after paying for leads. And a lower commission reduces your take-home pay and subjects 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.
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.