i was called three weeks ago by a company that wants to hire me to become a life insurance agent. right now iam going to the meetings every thursdays from 10: 00-11:30. i have to take class and pass a exam to get my license. does anyone know how the exam is and from you experience how is it being a life insurance agent is it hard or fun?

It's hard. 95% don't "make it". It's straight commissions, so you don't eat if you don't sell.

If you CAN sell, you can make really good money.

The exam is thorough. You need to be able to pass a practice test with no cheating, or you won't pass the real exam. You need to know the stuff forwards and backwards.

Every life exam has two parts, which is life insurance and state laws. My state separate the two parts and if you fail one part, you fail the whole test!

I'm not a life insurance agent, I'm just licensed to sell it. I'm a financial representative that educates families about money and create a game plan to help them reach their goals. Life insurance is the foundation for every financial planning. Next item on the plan is setting up an emergency fund. Then create a debt elimination plan. Then setup a retirement fund or setup a game plan to accumulate a certain amount of wealth by retirement. After that, a college fund (if they want it). And finally, getting a Will done.

So I offer multiple service to my client. I can do home loans, I can do debt elimination loans, I do investments, I do prepaid legal, and life insurance. I have always sold customize term insurance and help client invest. And later on, I'm going to be able to sell auto insurance and homeowner insurance and I won't have to learn these two products.

Is it hard? Yes it started out pretty hard. I was young and had no one to go see. I had to prospect for people. So if you work hard at the beginning, it will get easier as time goes on.

Is it fun? Yes its fun. I feel happy every time I leave a client's house, knowing I was able to help improve their financial life. Sometimes, my clients invite me over for a BBQ.

I have my health and life insurance license. I won't lie, the exam is pretty tough and most people don't pass it the first time. Study as much as you can, and take lots of practice tests. The practice tests are the best preparation I did. If you have the option when you take your test, I suggest not waiting too long after your class ends. You want to keep the information as fresh in your mind as possible. Is being an agent fun? It can be. I mostly focus on the health insurance side. I wouldn't say the job itself is hard. it really depends on the company you work for. If you have to actively seek out new business to meet some sort of sales goal, then it can be tough and discouraging at times. If the company you work for is more laid back and not as sales-aggressive, you'll probably really like it. Good luck!