Most likely, you’re here as a possible new agent to US Health Advisors to learn more information about how the company works.
If so, you’ve found the right article!
Today, I will break down how USHealth Advisors works, what you can expect, and give you my opinion on the insurance sales opportunity as a licensed agent since 2011.
Let’s begin =).
Note: I have also done many other insurance sales job opportunity reviews here if you’re interested in looking at other possible matches.
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USHEALTH Advisors is a wholly-owned national sales and distribution subsidiary of USHEALTH Group, which is one of the largest employers of health insurance agents in the United States.
The company was established in January 2002. It is based in Grapevine, Texas, and is licensed in 35 states.
USHEALTH Advisors sells individual health coverage plans and a number of related supplementary products underwritten by The Freedom Life Insurance Company of America and National Foundation Life Insurance Company, both of which are wholly-owned subsidiaries of USHEALTH Group.
USHA specializes in marketing innovative and affordable health coverage plans. Instead of having to pay the high premiums typically associated with comprehensive health coverage, their customers can choose a plan that allows them to pay only for the coverage they need while they are healthy. They can add more coverage later on if they need to cover the increased medical costs related to a serious accident or illness, for example.
The company is focused on providing healthcare solutions to individuals and families, but also self-employed and small business owners. The USHA agents specialize in tailoring their products for this largely underserved market.
USHEALTH Advisors owns a growing database of more than 4 million insurance leads for their insurance agents. The company funds the production of targeted, qualified leads from proven marketing channels.
For example, they work closely with local sales management to identify the most effective lead sources. USHEALTH Advisors continuously tests new insurance lead generation techniques for their agents.
In addition to being given company-generated leads, USHA agents have access to numerous tools and resources to help them effectively market their products.
For example, these include professionally designed print ads and direct mail pieces, templates to use in email campaigns, their own agent website, and other resources to help them get the most from their marketing efforts.
The company also manages an Online Dialer software that calls leads. Until they start producing, agents are asked to pay $75 a month for the Online Dialer, after which USHA takes over the payment.
USHEALTH Advisors offers comprehensive training opportunities for their insurance agents.
For example, all USHA agents are required to complete specific product training and meet certification standards before they can become authorized to represent and sell their products.
The company provides everything from national online webinars and web-based product certification to local insurance sales training in the field, so that the agents can gain all the necessary knowledge and skills for selling insurance.
The USHA training is done either online where agents can participate from their home office, in the classroom, or in the field where the sales professionals teach techniques that led them to success including cross-selling, referral networking, and benefit package sales.
In addition, agents regularly receive updates from the USHEALTH Advisors Home Office via emails and newsletters, as well as through the company’s informational meetings and webinars.
USHEALTH Advisors is not a pyramid scheme multi-level marketing (insurance MLM) business opportunity.
In other words, it doesn’t have multiple layers of agents, mentors, and trainers and is not suitable for agents who are primarily looking to recruit.
Also, USHEALTH Advisors is not a scam. This is a legitimate company with an A+ BBB rating. With a mission of Helping Other People Everyday (HOPE), the company focuses on a highly positive experience for customers, agents, employees, and shareholders.
USHEALTH Advisors is the winner of numerous awards including the 2019 Insurance Company of the Year and Gold Stevie award.
Here are my thoughts as an experienced insurance agent and agency owner on becoming an agent with US Health Advisors.
My advice to all insurance agents joining any agency is to ensure you own your book of business. “Vesting” is the industry term that indicates who owns future income streams of said clients.
Wonder why that’s a big deal? For example, what if you leave US Health Advisors for another insurance sales opportunity?
With many insurance sales opportunities (like in my agency), when an agent moves on, he continues getting paid the commission from those past sales.
However, while I’m not sure whether or not this is the case with USHEALTH Advisors, many insurance agencies do NOT let you take those commissions.
So, check the contract and ask your recruiter about vesting and ownership before you sign up.
Selling Multiple Companies
One important piece of advice to any new agent is to consider becoming an independent agent versus a captive agent.
Wonder what that means?
For example, a captive agent usually only sells one type of product, and an independent agent sells a variety of insurance products.
Independent insurance agents more easily custom-tailor their insurance products to the client, as they are not forced to sell one product like captive agents do. This means independent agents usually have better products with better pricing relative to captive agents.
When selling for USHealth Advisors, most likely you’ll have to agree not to sell for any other health insurance carrier, which means you’ll be captive and have a restriction on your policy options.
And while that isn’t the end of the world, you will experience the product restrictions above, which could have direct consequences on your ability to close more health insurance policies.
So there’s my thoughts on how a career with USHealth Advisors works for agents considering jumping in.
I hope you enjoyed this article and understand a little more about how an insurance sales career with US Health Advisors works.
If you’d like more information about how my organization works, learn more here.