Tag Archives: insurance

When Your Job’s Hanging by a Thread: Navigating the Dread of Being Fired with Grace and Grit By A.L. Childers

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“Life is like insurance—sometimes unpredictable, but always better with a good policy and a great sense of humor.”

Let’s talk about something that most of us have felt but rarely discuss: the sinking dread of knowing your job might be slipping through your fingers. Whether it’s a whisper in the breakroom, a sudden focus on quotas, or the dreaded “restructuring,” the signs are there, and they’re hard to ignore.

If you’re feeling this way, you’re not alone—and you’re not powerless. Just like insurance, navigating life’s unpredictability requires preparation, adaptability, and sometimes, a little laughter. Let’s explore how you can face the challenge of potential job loss with grace, grit, and yes, even a sense of humor.

The Storm Before the Calm: Recognizing the Signs

Losing a job doesn’t usually happen out of the blue. Here are some common warning signs:

  • Sudden Changes in Quotas: Unrealistic targets with no clear guidance.
  • Decreased Communication: Managers become tight-lipped, avoiding clear answers.
  • Increased Micromanagement: A shift from trust to scrutiny can signal trouble.
  • Whispers of Restructuring: Even rumors can hold a kernel of truth.

Recognizing these signs early gives you the chance to take control of your narrative before it’s too late.

How to Navigate the Uncertainty

When the writing’s on the wall, it’s natural to feel fear or frustration. But here’s the secret: every challenge is an opportunity in disguise. Here’s how you can turn this situation around:

1. Keep Your Cool (and Your Smile)

Reacting emotionally might feel cathartic, but it won’t help. Instead, take a deep breath, put on your professional face, and remember: how you handle tough moments defines your character.

2. Document Your Wins

Start building a case for your value. Compile a list of your achievements, backed by data. These can help you defend your role—or land your next one.

3. Explore Career Growth Options

This might be the perfect time to invest in yourself. Take online courses, attend industry seminars, or even explore new career paths. Upskilling can transform uncertainty into opportunity.

4. Strengthen Your Network

Leverage platforms like LinkedIn to reconnect with old colleagues, attend industry events, or join professional groups. The broader your network, the easier it will be to land on your feet.

5. Find the Humor

Let’s be honest—sometimes all you can do is laugh. Maybe you’ve called the same client so many times they start greeting you like an old friend. Find joy in these moments; they’ll remind you that this too shall pass.

Turning Setbacks into Success

Personally, I’ve faced moments of professional uncertainty, and they’ve taught me that every closed door is an opportunity to open a better one. Once, when I was certain the end was near, I reached out to an old colleague who helped me pivot into a more fulfilling role. The lesson? Your story doesn’t end here.

References and Resources

If you’re navigating job uncertainty, here are a few resources to guide and inspire you:

  • Books by A.L. Childers:
    • The Affordable Care Act Agent: Your Guide to Accessing Affordable Healthcare
    • Silent Chains: Breaking Free from Conformity and Injustice
    • The Hidden Empire: A Journey Through Millennia of Oligarchic Rule
    • Pillaged and Poisoned: America’s Health in Crisis

Find all my books on Amazon.

Disclaimer

This blog is for informational and motivational purposes only. It reflects personal opinions and experiences and is not intended to replace professional advice. For specific career or financial advice, consult a qualified expert.

Final Thoughts: Your Insurance for Life’s Ups and Downs

Your career is like an insurance policy—it might feel unpredictable, but with preparation, resilience, and a sense of humor, you can weather any storm. So, whether you’re fighting to keep your current role or preparing to transition to something new, trust in your ability to adapt and thrive.

Warm regards,
A.L. Childers
Author, Advocate, and Optimist

Let’s Connect!

“Remember: when life feels like a mess, humor is the best cleanup crew!”

Progressive Thinking: Why You Need Me on Your Team

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Dear Allstate Hiring Team,

They say you’re in good hands with Allstate—but have you considered being in great hands? Because that’s what you’re getting with me. As someone transitioning from health insurance into P&C and adjusting, I’m eager to join a team that values passion, determination, and a touch of humor (which, let’s be honest, we all need in insurance).

1. What I Bring to the Table

  • Customer Care: In health insurance, I mastered the art of making clients feel heard and supported.
  • Attention to Detail: Whether processing claims or ensuring policies meet client needs, I don’t miss a thing.
  • Problem-Solving: I’ve tackled complex cases, and I’m not afraid to roll up my sleeves and dive into challenges.

2. Why Allstate is My Dream Team

Allstate has a reputation for excellence, innovation, and putting customers first—values that resonate with me deeply. I want to be part of a company that believes in protecting what matters most to people. Plus, let’s be real: you’re kind of a big deal in the insurance world, and I’d be thrilled to learn from the best.

3. A Little About Me

When I’m not studying for my P&C license or dreaming about adjusting claims like a pro, I’m writing. That’s right—I’m a published author with over 200 books under my belt. Writing has taught me discipline, creativity, and the importance of clear communication—all skills that translate beautifully into the insurance industry.

4. A Final Pitch (with a Dash of Fun)

I’m ready to jump into the world of P&C with the same enthusiasm a dog has for a car ride. I’m here to learn, grow, and contribute to your team in a way that makes your clients feel even more secure in their good hands.

So, what do you say, Allstate? Let’s make insurance not just a necessity but an experience clients will actually appreciate.

Warm regards,
Audrey Childers
Future Claims Hero

“Progressive Thinking: Why You Need Me on Your Team”

Dear Progressive Hiring Team,

Let’s cut to the chase: You’re known for being innovative, forward-thinking, and customer-focused—and I want in. I’m a driven professional transitioning from health insurance into P&C and adjusting, and I’m ready to bring my skills, humor, and dedication to Progressive’s team.

1. Why I’m a Perfect Fit

  • I Get Customers: Years in health insurance taught me how to make clients feel valued, even in stressful situations.
  • I Love Learning: I’m currently studying for my P&C license and can’t wait to hit the ground running.
  • I’m Creative: Whether solving problems or crafting solutions, I know how to think outside the box.

2. Why I’m Excited About Progressive

Progressive is more than just an insurance company—it’s a brand people trust. Your focus on innovation and customer satisfaction aligns perfectly with my own values. Plus, I’ll be honest: I’ve been quoting your commercials since forever. (Who doesn’t love Flo?)

3. A Final Pitch (with a Smile)

Think of me as a “bundle deal.” I bring experience, dedication, and a personality that clients and coworkers will appreciate. Plus, I’ve got the drive to learn and grow in ways that will make Progressive even more, well, progressive.

Let’s chat soon—I’d love to prove why I’m the perfect addition to your team.

Warm regards,
Audrey Childers
Future Adjuster Extraordinaire

Call to Action for Each Blog

If you’re hiring and want someone who’s passionate, trainable, and ready to make a difference, let’s connect. You can reach me at [your email] or through LinkedIn. Let’s build something amazing together!

Insurance 101: What They Don’t Want You to Know and How to Protect Yourself

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Owning a home is the cornerstone of the American dream, but let’s face it—it comes with its fair share of headaches. When things go wrong, we expect our insurance companies to step in and help. Unfortunately, the reality is far from the glossy promises in their advertisements. This blog shares hard-learned lessons about the insurance industry, tips for protecting yourself, and how to avoid the common pitfalls that can cost you time, money, and peace of mind. Buckle up, buttercup—this might just save you from a nightmare.

1. Insurance Companies Aren’t Your Friends

Let’s get one thing straight: insurance companies exist to make money, not to save you money. They collect premiums and hope you never file a claim. If you do, they’ll find ways to pay you as little as possible. Here’s what I’ve learned:

  • Know Your Deductible:
    • Many homeowners don’t realize their deductible can be staggeringly high. For example, after a storm damaged my roof, I found out my deductible was $10,000—on a $15,000 claim. The insurance rep even said, “I’ve never seen a deductible this high.” Don’t be me. Know your deductible.
  • ACV vs. RCV Policies:
    • ACV (Actual Cash Value): Pays the depreciated value of your damaged property. Translation? You get less money.
    • RCV (Replacement Cost Value): Covers what it would cost to replace your property at today’s prices. Pro tip: Always ask if your policy is ACV or RCV before signing.

2. Document Everything Like a Detective

Insurance companies require proof of your belongings and their value. Without it, you’ll be stuck fighting for every dime.

  • Take Photos and Videos:
    • Photograph every room, closet, drawer, and cabinet in your house. Capture your garage, jewelry, electronics, and appliances.
  • Keep Receipts:
    • Save receipts for major purchases in a fireproof safe or digitally. You’ll need them to prove ownership and value.
  • Create an Inventory List:
    • Include brand names, purchase dates, and estimated values. When filing a claim, you’ll have to provide this information, so do it now to save yourself years of headaches later.

3. The Contractor Is Your Secret Weapon

When disaster strikes, having a trustworthy contractor can make all the difference.

  • Why You Need a Good Contractor:
    • They know how to read insurance paperwork and can identify missing components or unfair pricing. They’re your advocate in making sure the insurance company gives you a fair deal.
  • Let Them See the Paperwork:
    • Don’t make the process harder by withholding information. A skilled contractor will fight for you, but only if you let them.
  • Beware of Scammers:
    • Always vet your contractor to ensure they’re reputable and experienced in dealing with insurance claims.

4. Hard Truths About Homeownership

Owning a home isn’t just about paying the mortgage—it’s an ongoing battle against wear and tear.

  • Everything Breaks:
    • From roofs to water heaters, something will always need fixing. If you’re not financially prepared or don’t have a handy spouse (shoutout to my Gen X husband), you’ll be in for some heartbreak.
  • Cost of Maintenance:
    • Regular upkeep is expensive. If you can’t afford it, owning a home might not be the right move for you.

5. TikTok and DIY Culture: Knowledge is Power

Social media, especially TikTok, has become an invaluable resource for learning life skills. Whether it’s home repairs, financial tips, or insurance hacks, the platform connects people in ways traditional education often overlooks. Banning TikTok benefits no one except those who profit from keeping you uninformed.

Conclusion: Protect Yourself

Insurance isn’t a safety net; it’s a business. To protect yourself, know your policy, document everything, and have a trusted contractor in your corner. By staying informed, you can avoid the pitfalls that so many homeowners face. It’s not about trusting the system—it’s about outsmarting it.

Disclaimer

This blog is based on personal experiences, research, and insights into the insurance industry. While the information provided is intended to be helpful, it should not replace professional advice. The views expressed are personal opinions and should be interpreted accordingly.

About the Author

Audrey Childers, writing as A.L. Childers, is an author and researcher dedicated to empowering others with practical knowledge and life lessons. With over 200 books published, Audrey covers topics ranging from self-help to societal critique, always with a focus on helping her readers navigate the complexities of modern life.

Some of her notable works include:

  • The Affordable Care Act Agent: Your Guide to Accessing Affordable Healthcare
  • Hashimoto’s Crockpot Recipes: How I Put My Hashimoto’s Into Remission
  • Archons: Unveiling the Parasitic Entities Shaping Human Thoughts

Explore more of her insights and resources at her blog, TheHypothyroidismChick.com, and find her books on Amazon.

Links to Audrey’s Books

  1. The Affordable Care Act Agent
  2. Archons: Unveiling the Parasitic Entities
  3. Hashimoto’s Crockpot Recipes

References

  1. Insurance Journal, “Understanding ACV vs. RCV Policies,” 2023.
  2. Consumer Reports, “Home Insurance Tips for Policyholders,” 2022.
  3. Sacramento Bee, “California’s Smog Regulations: When Bureaucracy Fails,” 2023.
  4. FEMA, “Disaster Preparedness: Lessons from Past Crises,” 2020.

Let me know if you’d like additional sections or further refinements!

What Do You Mean You Already Renewed Your Health Insurance?! Let’s Talk Before It’s Too Late!

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Hey, Pick Up the Damn Phone!

Look, I get it. You’re tired of the calls, the emails, the texts. “Is this spam?” you wonder as your phone rings for the third time today. But I’m here to tell you—I am NOT spam. I am your health insurance agent. The one you trusted last year. Remember? The one who knows your security code, your Social Security number (because YOU gave it to me), and who works tirelessly to make sure you don’t end up in a shitty plan.

So, let me ask you this: Why the hell are you ignoring my calls?

The Truth About Renewing Health Insurance

Here’s the deal. Health insurance isn’t like renewing your Netflix subscription. Things change—plans change, carriers pull out of counties, and sometimes that auto-renewed plan you thought was “fine” last year suddenly costs a premium or doesn’t cover squat anymore.

And guess what? That’s not my fault. That’s the carrier’s fault.

I’m just the messenger here. My job is to review your plan, ensure it still works for you, and—if it doesn’t—find you something better. But I can’t do that if you don’t answer my calls!

“I Don’t Remember Talking to Anyone” – Really?!

Let’s address the elephant in the room: Why do you act like you have amnesia every time I call?

  • “I don’t remember speaking with anyone.” Oh, really? Then how do I have your Social Security number, date of birth, and address? Did I just psychically pull that out of thin air?
  • “I already renewed my plan.” Great. With who? And did they bother to check if your carrier left the county? Did they tell you the premium went up? No? That’s what I thought.

I know there are scammers out there—I hate them as much as you do. That’s why I gave you my security code, my direct number, and my name (Audrey). I work hard to keep my license and complete continuing education credits every two years. I’m legit, and I’m here to help YOU.

Why Health Insurance Deserves Your Attention

Let’s be honest—you wouldn’t let your car insurance lapse or your home insurance go unchecked. So why treat your health insurance like an afterthought?

  • Health insurance is your safety net. It’s not just paperwork; it’s what protects you and your family when life throws you a curveball.
  • Time is running out. January 15th is the final deadline for ACA (Affordable Care Act) Marketplace enrollments. After that, you’re stuck with whatever plan you’ve got—or worse, no plan at all.

Real-Life Horror Stories: Don’t Let This Be You

  1. The “I Already Renewed” Guy
    John was convinced he’d renewed his plan with another agency. Turns out, they placed him in a high-cost plan with a $10,000 deductible. When he got his first bill, he called me in a panic. But by then, it was too late.
  2. The “I Thought My Plan Was the Same” Lady
    Linda ignored my calls because she thought her auto-renewed plan was fine. Surprise! Her carrier had pulled out of her county, and she was left with zero coverage starting January 1st. She spent months paying out-of-pocket for everything.

Why You Should Call Me Right Now

If you have Marketplace insurance (ACA), stop playing hard to get and call me at 888-835-8730. Let’s review your plan together to ensure:

  1. You’re not overpaying.
  2. You’re not under-covered.
  3. You’re in the BEST plan for you and your family.
  4. ASK FOR ME…… AUDREY CHILDERS only….. I will call you back. I promise.

I know the phone calls are annoying. I get 100 spam calls a day, too. But this isn’t about spam—this is about your health and your wallet.

Final Words: Stop Being a Dumbass

Look, I don’t like seeing anyone get screwed. But if you don’t answer your phone or call me back, there’s only so much I can do. When you get that bill or realize your plan sucks, you’re going to ask, “Why didn’t anyone warn me?” Well, guess what? I tried!

So, here’s the game plan:

  • Stop ghosting me.
  • Stop treating health insurance like it’s a second-rate priority.
  • Start acting like the grown-up I know you are and let me help you.

Time is running out. January 15th is right around the corner. Call me—Audrey—at 888-835-8730. Let’s get this done so you can start 2025 with peace of mind and no regrets.

Thank you. Now, go be an adult and answer your damn phone. 😊

The Health Insurance Agent’s Survival Guide: Navigating the Annual Purge

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Every year, after the Open Enrollment Period (OEP) concludes, health insurance agents face a stark reality that many don’t anticipate when entering the industry—the annual “agent purge.” For many newcomers, health insurance seems like a lucrative, stable career. Agents imagine helping families find affordable care while earning a steady commission. What they don’t realize is that the health insurance industry operates much like any other big business: profit-driven and ruthless.

While agents also aim to make a living, the annual purge is a sobering reminder that health insurance companies prioritize their bottom line above all else. Here’s a closer look at this harsh cycle, along with a short story to illustrate its reality.

The Purge Explained

Every year, health insurance companies recruit thousands of agents before OEP to meet the demand for coverage. Agents work tirelessly during this period, often juggling high-pressure calls, endless paperwork, and unrealistic quotas. Once OEP ends, however, the landscape shifts dramatically.

Examples of the Purge:

  1. Contracts and Commissions Vanish: After OEP, many agents find their contracts terminated or commissions slashed. They’ve done the heavy lifting, but their services are suddenly deemed expendable.
  2. Support Disappears: Companies that once provided extensive resources and training during OEP often withdraw post-enrollment, leaving agents to fend for themselves.
  3. Competition Intensifies: Remaining agents face dwindling leads and fierce competition for the few prospects left outside the enrollment window.

A Short Story: The Purge in Action

Sophia was ecstatic when she landed her first job as a health insurance agent. She envisioned herself helping families navigate the confusing world of health coverage. Her company rolled out the red carpet during training, promising endless opportunities and generous commissions.

When OEP began, Sophia dove in headfirst. She worked 12-hour days, fielding calls from frantic parents, retirees, and individuals desperate for affordable coverage. By the end of OEP, she had enrolled over 100 clients and felt immense pride in her work.

But then came February.

Sophia’s inbox filled with impersonal emails from her company, notifying her of “new changes to commission structures.” Her support team, once available 24/7, now took days to respond. Worst of all, the leads she had worked so hard to nurture were reassigned to other agents without explanation. Her earnings dwindled to a fraction of what she expected, and her contract was quietly terminated in March.

Feeling betrayed, Sophia reached out to a mentor who had been in the industry for years. The mentor explained the unspoken rule: “This happens every year. Companies only care about the OEP numbers. The rest of us? We’re disposable.”

How to Survive the Purge

For agents like Sophia, the key to survival lies in preparation and adaptability. Here are some tips to thrive in a cutthroat industry:

  1. Diversify Your Portfolio: Don’t rely solely on one carrier or product. Explore supplemental insurance or year-round plans that keep you active beyond OEP.
  2. Build Long-Term Relationships: Clients who trust you will come back year after year. Focus on service, not just sales.
  3. Have a Post-OEP Plan: Develop strategies to sustain your business after the enrollment rush, such as networking, marketing, and leveraging referrals.
  4. Stay Educated: The industry is constantly changing. Staying informed about policies and trends will keep you ahead of the competition.

The health insurance industry isn’t for the faint of heart. But for those who learn to navigate its challenges, there are rewards. By understanding the annual purge and preparing accordingly, agents can build a resilient career that withstands the industry’s ups and downs.

As Sophia learned, survival isn’t just about sales—it’s about strategy, persistence, and never underestimating the value of your own hard work.

Coverage Kings, Compensation Paupers: The Wage Woes of Insurance Agents By A.L. Childers, ACA Health Insurance Writer and World-Renowned Author

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Insurance agents are often the unsung heroes of the healthcare system. We help families secure vital coverage, navigate labyrinthine regulations, and ensure compliance with federal laws. Without us, the Affordable Care Act (ACA) would be a tangle of red tape inaccessible to most. But while we are the “Coverage Kings” helping others achieve financial protection and peace of mind, our paychecks tell a very different story.

Yes, I’m a world-renowned author—but fame doesn’t always pay the bills. That’s why I became an ACA health insurance agent. I believed I could make a difference while earning a steady income. Instead, I’ve discovered a shocking truth: while companies rake in billions from ACA policies, their agents are left struggling to make ends meet.

The Duality of the Insurance Agent’s Role

Being an ACA agent isn’t just about selling policies. It’s about being a teacher, a guide, and often a therapist to people in need. We answer endless questions, calm anxieties, and tailor plans to suit every budget. Yet, when it comes to compensation, we are treated like afterthoughts.

A Sobering Reality Check

  • Companies earn thousands of dollars per policy over its lifespan, thanks to subsidies and premiums.
  • Agents, by contrast, are paid $10–$20 per policy written or an hourly wage of $15–$20, barely above minimum wage in many areas.
  • Some agents, like me, are required to pay $50 per week out of pocket for multi-state licenses—a necessity for selling plans in multiple states.

For example, I recently worked a 40-hour week, helping countless clients secure life-changing coverage, only to earn $600 before taxes. That’s $15/hour while the company profits exponentially from my work.

The Hidden Costs of the Job

The challenges of being an ACA agent extend far beyond low wages.

  1. Licensing Fees
    To legally sell policies, agents must be licensed in every state where their company operates. These fees aren’t covered by the company, leaving agents to shoulder the cost.
  2. Continuing Education
    Staying compliant with federal and state regulations requires ongoing education, which agents must pay for themselves.
  3. Unpaid Training
    Many companies require agents to complete additional certifications and tests on their own time. Recently, I was threatened with a write-up for not completing a 3-hour training module after work hours.
  4. Legal Liability
    Agents face potential lawsuits or fines if clients dispute their enrollment or claim they were misinformed. Without recorded calls, we would have no protection.

The Clients We Serve (and Sometimes Fight)

Helping clients can be incredibly rewarding, but it also comes with its frustrations. Imagine spending an hour helping someone choose the perfect zero-dollar premium plan, ensuring compliance, and answering every question, only for them to later claim they never spoke to you.

How does this happen? It doesn’t. Clients don’t forget these conversations—they lie to dodge penalties or shift blame. While recorded calls help defend agents, the stress and time wasted on these disputes are a heavy burden.

Corporate Greed at Its Finest

The healthcare industry is one of the most profitable sectors in the U.S. In 2022, the top health insurance companies collectively reported over $45 billion in profits.

Where does this money go? Not to the agents doing the heavy lifting. Instead, it goes to shareholders, executives, and marketing campaigns. Meanwhile, agents are left struggling to cover their basic expenses.

What Needs to Change

The disparity between what agents earn and the value they bring to the system is unacceptable. Here’s how we can start to fix it:

  1. Fair Compensation
    Agents should earn at least $50 per policy written, reflecting the time, expertise, and effort required.
  2. Employer-Funded Licensing and Training
    If companies require multi-state licenses and certifications, they should cover these costs.
  3. Transparent Profit Sharing
    Companies should be upfront about their profits and allocate a fair share to the agents who make their success possible.
  4. Legal and Compliance Protections
    Employers must provide robust protections for agents against frivolous client disputes and potential legal action.

A Personal Plea

As both a writer and an ACA agent, I’ve seen the best and worst of human nature. I’ve helped families avoid financial ruin, and I’ve fought to defend myself against baseless accusations. What keeps me going is the belief that what I do matters—that helping others is worth the struggle.

But the struggle shouldn’t be this hard. Companies that profit from our work need to recognize our value. We are not just cogs in their machine; we are the heart of their success.

References

  1. “The Affordable Care Act and Its Economic Impact on Agents” (Journal of Health Policy, 2023)
  2. Bureau of Labor Statistics: Insurance Agent Wages Overview (BLS.gov)
  3. Corporate Profits in the Health Insurance Industry (Health Economics Today, 2022)

Final Thoughts

The Affordable Care Act was built on principles of equity and access. It’s time for those principles to extend to the agents who make it all possible. We deserve fair pay, respect, and recognition for the essential work we do.

To my fellow agents: you are not alone in this fight. To the companies profiting from our labor: it’s time to share the wealth. Because at the end of the day, no one should have to choose between making a living and making a difference.

Disclaimer

The information and recipes in the blog are based on the author’s research and personal experiences. It’s for entertainment purpIt’s only. Every attempt has been made to provide accurate, up-to-date, and reliable information. No warranties of any kind are expressed or implied. Readers acknowledge that the author does not render legal, financial, medical, or professional advice. By reading this blog, the reader agrees that under no circumstance the author is not responsible for any direct or indirect loss incurred by using the information contained within this blog. Including but not limited to errors, omissions, or inaccuracies. This blog is not intended to replace what your healthcare provider has suggested.  The author is not responsible for any adverse effects or consequences from using any of the suggestions, preparations, or procedures discussed in this blog. All matters about your health should be supervised by a healthcare professional. I am not a doctor or a medical professional. This blog is designed as an educational and entertainment tool only. Please always check with your health practitioner before taking any vitamins, supplements, or herbs, as they may have side effects, especially when combined with medications, alcohol, or other vitamins or supplements.  Knowledge is power, educate yourself and find the answer to your healthcare needs. Wisdom is a beautiful thing to seek.  I hope this blog will teach and encourage you to take leaps in your life to educate yourself for a happier & healthier life. You have to take ownership of your health.

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Insured but Impoverished: The Hidden Plight of Health Plan Agents By A.L. Childers, ACA Health Insurance Writer and World-Renowned Author

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We live in a world where health insurance is a lifeline for millions, a necessity that safeguards families from financial ruin in the face of illness or injury. As ACA (Affordable Care Act) agents, we are at the forefront of this mission, ensuring that people get the coverage they need to survive. But behind the scenes, the story isn’t as rosy. The very people who ensure coverage for others are often struggling to make ends meet themselves.

Yes, I’m a world-renowned author, but let’s be honest—writing books doesn’t always keep the lights on. That’s why I turned to being an ACA agent, a role I believed would allow me to help people while earning a stable income. Instead, I found myself caught in a system that undervalues its most critical players.

The Reality of Being an ACA Agent

Every day, ACA agents work tirelessly to connect individuals and families to affordable healthcare plans. We navigate complex systems, explain intricate details, and offer guidance with compassion and patience. Yet, the irony is glaring: while we ensure others have the protection they need, many of us lack financial security ourselves.

The Numbers Don’t Lie

  • Companies earn thousands of dollars per policy over its lifespan, thanks to federal subsidies and premiums.
  • Agents, on the other hand, often earn as little as $10 per policy written or an hourly wage of $15–$20.
  • Some agents, like myself, are also required to pay $50 a week to maintain multi-state licenses—an expense that adds up to over $2,500 annually.

Last week, after 40 hours of work and dozens of policies written, I earned $600. That’s $15/hour before taxes. Meanwhile, my employer profited exponentially more from the very policies I worked to secure.

The Hidden Costs of Being an Agent

The financial burden isn’t limited to low wages. There are numerous hidden costs that come with this profession:

  1. Licensing Fees
    Agents must be licensed in every state where their employer operates. These fees aren’t covered by the company, leaving agents to foot the bill.
  2. Continuing Education
    Staying compliant requires ongoing education, which agents must pay for out of their own pockets.
  3. Unpaid Training
    Companies often require additional certifications or tests, which agents are expected to complete on their own time and without compensation. Recently, I was threatened with disciplinary action for not completing a 3-hour training module after hours.
  4. Legal and Compliance Risks
    Agents face legal liability if a client disputes their enrollment or coverage details. While recorded calls help protect us, the stress of navigating these disputes is immense.

The Human Toll: When Clients “Forget”

One of the most frustrating parts of this job is dealing with clients who “forget” entire conversations. Imagine spending an hour walking someone through their options, securing a zero-dollar premium plan, and ensuring compliance, only to have them call back weeks later claiming they never spoke to you.

How does one forget such a critical conversation? They don’t. Many are simply trying to dodge a penalty or shift blame. And while recordings provide some protection, they can’t erase the frustration and time wasted on these cases.

The Bigger Picture: Corporate Greed

The healthcare industry is a billion-dollar behemoth. In 2022 alone, the top health insurance companies reported over $45 billion in profits. Yet, the agents who drive these profits are left struggling.

Instead of investing in their workforce, companies prioritize shareholder returns, leaving agents to bear the brunt of financial insecurity. The result? A profession that demands high stakes, high stress, and high standards while offering low pay.

What Needs to Change

The current system is unsustainable. Here are a few changes that could make a significant difference:

  1. Fair Compensation
    Agents deserve a livable wage and reasonable commissions. A flat fee of at least $50 per policy would reflect the value we provide.
  2. Employer-Funded Licensing and Training
    If multi-state licenses and certifications are mandatory, companies should cover these expenses.
  3. Legal Protections for Agents
    Employers should offer robust protections to shield agents from frivolous client disputes.
  4. Transparent Profit Sharing
    Companies should be more transparent about how profits are distributed and allocate a fair share to the agents driving their success.

A Personal Perspective

Being an ACA agent is a labor of love. We enter this field because we care about helping people, ensuring families have the coverage they need to live healthy lives. But love doesn’t pay the bills, and the emotional and financial toll of this job is pushing many agents to the breaking point.

As someone who has written books that have reached readers worldwide, I’ve learned the value of storytelling. And this story—the hidden plight of health plan agents—is one that needs to be told.

References

  1. “The Affordable Care Act and Its Economic Impact on Agents” (Journal of Health Policy, 2023)
  2. Bureau of Labor Statistics: Insurance Agent Earnings Overview (BLS.gov)
  3. Corporate Profits in the Health Insurance Industry (Health Economics Today, 2022)

Final Thoughts

The ACA was built on the promise of equity and access, but those ideals must extend to the agents who make it all possible. We deserve fair pay, respect, and recognition for the essential work we do. Until then, we’ll continue to fight for our clients—and for ourselves.

Because no one should have to choose between making a living and making a difference.

Disclaimer

The information and recipes in the blog are based on the author’s research and personal experiences. It’s for entertainment purpIt’s only. Every attempt has been made to provide accurate, up-to-date, and reliable information. No warranties of any kind are expressed or implied. Readers acknowledge that the author does not render legal, financial, medical, or professional advice. By reading this blog, the reader agrees that under no circumstance the author is not responsible for any direct or indirect loss incurred by using the information contained within this blog. Including but not limited to errors, omissions, or inaccuracies. This blog is not intended to replace what your healthcare provider has suggested.  The author is not responsible for any adverse effects or consequences from using any of the suggestions, preparations, or procedures discussed in this blog. All matters about your health should be supervised by a healthcare professional. I am not a doctor or a medical professional. This blog is designed as an educational and entertainment tool only. Please always check with your health practitioner before taking any vitamins, supplements, or herbs, as they may have side effects, especially when combined with medications, alcohol, or other vitamins or supplements.  Knowledge is power, educate yourself and find the answer to your healthcare needs. Wisdom is a beautiful thing to seek.  I hope this blog will teach and encourage you to take leaps in your life to educate yourself for a happier & healthier life. You have to take ownership of your health.

The views and services offered by Thehypothyroidismismchick.com are not intended to be a substitute for professional medical assistance but as an alternative for those seeking solutions for better health. We do not claim to diagnose, treat, prevent, or cure any disease but simply help you make physical and mental changes in your own body to help your body heal itself. Remember that results may vary, and if you are pregnant, nursing, taking medications, or have a severe condition, you should consult a physician or other appropriate medical professional before using any products or information on this site. Thehypothyroidisimchick.com assumes no responsibility for the use or misuse of this material. Your use of this website indicates your agreement to these terms. Our full disclosure, terms of use, and privacy policy.

The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis, or treatment. All content, including text, graphics, images, and information on or available through this website, is for general information purposes only. Opinions expressed here are the opinions of the writer. Never disregard professional medical advice or delay seeking medical treatment because of something you have read or accessed through this website.

This site is designed for educational purposes only and is not engaged in rendering medical advice, legal advice, or professional services. If you feel that you have a medical problem, you should seek the advice of your physician or health care practitioner. For additional information, please see Our full disclosure, terms of use, and privacy policy.

Our full disclosure, terms of use, and privacy policy. | thehypothyroidismchick

Premiums & Pennies: The Irony of Insurance Agents’ Earnings By A.L. Childers, ACA Health Insurance Writer and World-Renowned Author

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There’s a cruel irony at the heart of America’s healthcare system: the billions of dollars generated from health insurance premiums and the pennies—relatively speaking—earned by the agents who make it all happen. As an ACA health insurance agent and a world-renowned author, I know this story all too well. While my books have reached global audiences, they don’t always pay the bills, and neither does being an insurance agent.

Why? Because corporate greed continues to undervalue the very people who connect individuals and families to the life-saving coverage they need.

The Reality of Being an ACA Insurance Agent

ACA health insurance agents are the unsung heroes of the Affordable Care Act. We work tirelessly to ensure that families and individuals can navigate a complex system and secure the coverage they need. But what do we get in return? Wages and commissions that often leave us struggling to make ends meet.

Breaking Down the Numbers

  • Insurance companies rake in billions of dollars annually from ACA policies, thanks to government subsidies and premiums.
  • Agents, on the other hand, are often paid a meager $10–$20 per policy or an hourly wage of $15–$20.
  • Some companies offer as little as $2.50 per policy, a shocking disparity when compared to the profits these companies generate.

For example, in a recent week, I worked 40 hours and earned $600. That’s $15 an hour—before taxes. Meanwhile, my employer likely profited exponentially more from the policies I wrote.

The Hidden Costs of the Job

Being an insurance agent isn’t just a job; it’s an investment—one that often comes with more costs than rewards:

  1. Licensing Fees
    To work as an agent, we need to be licensed in every state where we sell policies. This isn’t optional—it’s required by law. The cost? Hundreds, sometimes thousands, of dollars annually, which comes directly out of our pockets.
  2. Continuing Education
    We’re required to take regular courses to maintain our licenses. While this ensures we stay informed, it’s another expense that employers rarely reimburse.
  3. Unpaid Work
    Many agents are expected to complete training and certifications on their own time, without compensation. Recently, I was threatened with disciplinary action for not completing a 3-hour general agent (GA) test outside of work hours.
  4. Legal Liability
    We operate in a high-stakes environment where mistakes—or even misunderstandings—can result in lawsuits or fines. Clients may “forget” entire conversations about their coverage, leaving agents to defend themselves.

The Client Conundrum

Let me share a story many agents can relate to. A client calls, desperate for health insurance. You spend an hour carefully walking them through their options, ensuring compliance, and securing a zero-dollar premium plan. A month later, they call back claiming they’ve never spoken to you.

How does someone forget an entire conversation about their health insurance? The truth is, they don’t. Whether it’s an attempt to dodge a penalty or shift blame, agents are often left cleaning up the mess. Thankfully, we have recorded calls, but it’s a stressful reminder of the risks we face daily.

The Bigger Picture: Corporate Greed

Let’s address the elephant in the room: the insurance industry is one of the most profitable sectors in the world. According to a 2022 report, the top health insurance companies collectively earned over $45 billion in profits.

Yet, the agents who form the backbone of their success are left to fight for scraps. Companies prioritize shareholder profits over fair compensation for their workforce. The result? Agents who are overworked, underpaid, and undervalued.

What Needs to Change

It’s time for a reckoning. Here’s how we can start to address this imbalance:

  1. Fair Compensation
    Agents should receive a livable wage and a meaningful commission—at least $50 per policy—to reflect the value we bring to the table.
  2. Paid Training and Licensing
    If companies require specific licenses and training, they should cover the costs.
  3. Transparency
    The public deserves to know how much companies profit from ACA policies and how little they pay the agents who make it all possible.
  4. Legal Protections for Agents
    Agents should have safeguards in place to protect them from frivolous client allegations.

A Personal Plea

As both a writer and an ACA agent, I’ve experienced firsthand the disparity between effort and reward. Writing books has been my passion, but the reality is that it doesn’t always pay the bills. I turned to insurance to make a difference, but instead, I found myself caught in a system that values profit over people.

To my fellow agents: Keep fighting for what’s right. You’re not alone in this struggle.
To the companies: It’s time to invest in the people who make your success possible.
And to the public: Remember the faces behind your policies. We’re here for you, even when the system isn’t here for us.

References

  1. Health Insurance Industry Profits: A Deep Dive (Journal of Health Economics, 2023)
  2. Bureau of Labor Statistics: Insurance Agent Wages (BLS.gov)
  3. “The Affordable Care Act and Its Economic Impact on Agents” (Industry White Paper, 2022)

Final Thoughts

The Affordable Care Act was built on principles of equity and access. But until the system values its agents as much as it values its profits, we’ll remain stuck in this ironic cycle of premiums and pennies. It’s time for change—because no one should have to choose between making a living and making a difference.

Disclaimer

The information and recipes in the blog are based on the author’s research and personal experiences. It’s for entertainment purpIt’s only. Every attempt has been made to provide accurate, up-to-date, and reliable information. No warranties of any kind are expressed or implied. Readers acknowledge that the author does not render legal, financial, medical, or professional advice. By reading this blog, the reader agrees that under no circumstance the author is not responsible for any direct or indirect loss incurred by using the information contained within this blog. Including but not limited to errors, omissions, or inaccuracies. This blog is not intended to replace what your healthcare provider has suggested.  The author is not responsible for any adverse effects or consequences from using any of the suggestions, preparations, or procedures discussed in this blog. All matters about your health should be supervised by a healthcare professional. I am not a doctor or a medical professional. This blog is designed as an educational and entertainment tool only. Please always check with your health practitioner before taking any vitamins, supplements, or herbs, as they may have side effects, especially when combined with medications, alcohol, or other vitamins or supplements.  Knowledge is power, educate yourself and find the answer to your healthcare needs. Wisdom is a beautiful thing to seek.  I hope this blog will teach and encourage you to take leaps in your life to educate yourself for a happier & healthier life. You have to take ownership of your health.

The views and services offered by Thehypothyroidismismchick.com are not intended to be a substitute for professional medical assistance but as an alternative for those seeking solutions for better health. We do not claim to diagnose, treat, prevent, or cure any disease but simply help you make physical and mental changes in your own body to help your body heal itself. Remember that results may vary, and if you are pregnant, nursing, taking medications, or have a severe condition, you should consult a physician or other appropriate medical professional before using any products or information on this site. Thehypothyroidisimchick.com assumes no responsibility for the use or misuse of this material. Your use of this website indicates your agreement to these terms. Our full disclosure, terms of use, and privacy policy.

The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis, or treatment. All content, including text, graphics, images, and information on or available through this website, is for general information purposes only. Opinions expressed here are the opinions of the writer. Never disregard professional medical advice or delay seeking medical treatment because of something you have read or accessed through this website.

This site is designed for educational purposes only and is not engaged in rendering medical advice, legal advice, or professional services. If you feel that you have a medical problem, you should seek the advice of your physician or health care practitioner. For additional information, please see Our full disclosure, terms of use, and privacy policy.

Our full disclosure, terms of use, and privacy policy. | thehypothyroidismchick

Policy Paupers: The Untold Struggles of Underpaid Insurance Agents By A.L. Childers, ACA Health Insurance Writer and World-Renowned Author

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When people think of insurance agents, they often picture professionals in suits with steady paychecks, reaping the rewards of a lucrative industry. What most people don’t see is the irony: ACA (Affordable Care Act) agents like myself—key players in connecting families to life-saving health coverage—are barely scraping by.

Yes, I’m a world-renowned author, but books don’t always pay the bills. And it turns out, being an ACA agent doesn’t either. Why? Because corporate greed and skewed priorities have turned agents into modern-day paupers, even as we play an essential role in a system designed to promote health and well-being.

The Realities of Being an ACA Agent

As ACA agents, we are the bridge between millions of uninsured Americans and the healthcare coverage they desperately need. We guide clients through a maze of terms like “deductibles” and “copayments,” ensuring they get the best possible plan. But despite the vital role we play, the compensation model for agents is laughable—and not in a funny way.

How We’re Paid

  • Companies make thousands of dollars from each ACA policy over its lifespan.
  • Agents, in contrast, earn as little as $2.50 to $10 per policy or hourly wages ranging from $15 to $20.

For example, last week, after working 40 hours and enrolling dozens of clients, I earned a grand total of $600. To make matters worse, I pay $50 per week out of pocket for the multi-state licenses my company requires.

The Hidden Costs of This Job

It’s not just the paltry paycheck. There are countless hidden costs that most people—and employers—overlook:

  1. Licensing Fees
    Each state has its own licensing requirements, and if your company operates in multiple states, you’re responsible for paying to keep those licenses active. The costs can quickly climb into the hundreds or even thousands annually.
  2. Continuing Education
    To maintain compliance, agents must complete ongoing education courses—often on their own time and dime.
  3. Legal Risks
    We operate under strict compliance standards. If a client claims they were misinformed or lied about their circumstances (and let’s be real, some do), the agent—not the company—can face legal consequences.
  4. Unpaid Training
    Recently, I was threatened with disciplinary action for not completing a 3-hour general agent (GA) test. On my own time. As a W-2 employee, shouldn’t I be paid for this? Apparently not.

When Clients “Forget” the Whole Conversation

One of the most frustrating parts of this job is dealing with clients who conveniently “forget” entire conversations. Imagine this: you spend an hour explaining options, selecting a zero-dollar premium plan, and ensuring everything is compliant. A month later, that same client claims they’ve never spoken to you.

How does someone forget a detailed conversation about their health insurance? They don’t. They lie. And without recorded calls, agents like me would have no defense.

The Bigger Picture: Corporate Greed

Let’s not beat around the bush: the companies profiting from ACA policies have created a system where agents, the backbone of their operations, are expendable.

  • These companies rake in billions in federal subsidies while nickel-and-diming the very people ensuring their success.
  • Instead of reinvesting in their workforce, they prioritize shareholder profits.

What Needs to Change

It’s time to demand better for ACA agents. Here’s how we can start:

  1. Fair Pay
    Agents should receive a livable wage and a fair commission per policy—at least $50 to $100, reflecting the true value of our work.
  2. Paid Training
    If companies require tests or certifications, they should compensate agents for their time.
  3. License Reimbursement
    Companies should cover the cost of multi-state licensing for their agents.
  4. Transparency
    Companies should be upfront about how much they profit from ACA policies and ensure agents receive a reasonable share of that revenue.

Why This Matters

This isn’t just about me. Thousands of ACA agents across the country face the same challenges. We’re expected to be healthcare navigators, compliance experts, and customer service reps—all for a paycheck that barely covers the basics.

The Affordable Care Act was designed to promote access and equity in healthcare. But how can the system truly succeed if the very agents facilitating it are undervalued and underpaid?

Final Thoughts

To my fellow agents: you are not alone. Keep advocating for yourselves and your clients. To the companies profiting from our labor: it’s time to share the wealth. And to clients who “forget” entire conversations—just know we have recordings.

Being an ACA agent is a labor of love, but love doesn’t pay the bills. Until the system changes, we’ll keep doing what we do best: helping others, even as we struggle ourselves.

References

  1. “The Affordable Care Act and Its Economic Impact on Agents” (Journal of Health Policy, 2022)
  2. Bureau of Labor Statistics: Insurance Agent Earnings Overview (BLS.gov)
  3. Corporate Profits in the Health Insurance Industry (Health Economics Today, 2023)

Let’s ensure the unsung heroes of the ACA—its agents—receive the recognition and compensation they deserve. Because at the end of the day, no one should have to choose between saving lives and making a living.

Disclaimer

The information and recipes in the blog are based on the author’s research and personal experiences. It’s for entertainment purpIt’s only. Every attempt has been made to provide accurate, up-to-date, and reliable information. No warranties of any kind are expressed or implied. Readers acknowledge that the author does not render legal, financial, medical, or professional advice. By reading this blog, the reader agrees that under no circumstance the author is not responsible for any direct or indirect loss incurred by using the information contained within this blog. Including but not limited to errors, omissions, or inaccuracies. This blog is not intended to replace what your healthcare provider has suggested.  The author is not responsible for any adverse effects or consequences from using any of the suggestions, preparations, or procedures discussed in this blog. All matters about your health should be supervised by a healthcare professional. I am not a doctor or a medical professional. This blog is designed as an educational and entertainment tool only. Please always check with your health practitioner before taking any vitamins, supplements, or herbs, as they may have side effects, especially when combined with medications, alcohol, or other vitamins or supplements.  Knowledge is power, educate yourself and find the answer to your healthcare needs. Wisdom is a beautiful thing to seek.  I hope this blog will teach and encourage you to take leaps in your life to educate yourself for a happier & healthier life. You have to take ownership of your health.

The views and services offered by Thehypothyroidismismchick.com are not intended to be a substitute for professional medical assistance but as an alternative for those seeking solutions for better health. We do not claim to diagnose, treat, prevent, or cure any disease but simply help you make physical and mental changes in your own body to help your body heal itself. Remember that results may vary, and if you are pregnant, nursing, taking medications, or have a severe condition, you should consult a physician or other appropriate medical professional before using any products or information on this site. Thehypothyroidisimchick.com assumes no responsibility for the use or misuse of this material. Your use of this website indicates your agreement to these terms. Our full disclosure, terms of use, and privacy policy.

The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis, or treatment. All content, including text, graphics, images, and information on or available through this website, is for general information purposes only. Opinions expressed here are the opinions of the writer. Never disregard professional medical advice or delay seeking medical treatment because of something you have read or accessed through this website.

This site is designed for educational purposes only and is not engaged in rendering medical advice, legal advice, or professional services. If you feel that you have a medical problem, you should seek the advice of your physician or health care practitioner. For additional information, please see Our full disclosure, terms of use, and privacy policy.

Our full disclosure, terms of use, and privacy policy. | thehypothyroidismchick

This piece was inspired by timeless wisdom and the understanding that true success lies not in the small battles, but in the pursuit of one’s purpose. –A.L. Childers

The Great Irony: Saving Lives While Struggling to Make a Living By A.L. Childers, ACA Health Insurance Writer and World-Renowned Author

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Imagine this: you’re on the front lines of healthcare access in America, ensuring families have coverage to avoid medical catastrophes, only to realize that your paycheck barely covers your own bills. This is the daily reality of an ACA health insurance agent.

Yes, I’m a world-renowned author, but let me be clear—writing books doesn’t always pay the bills, and neither does being an ACA agent. Why? Because corporate greed knows no bounds, and the very companies that profit from our hard work seem determined to undervalue us.

The Life of an ACA Agent: A Balancing Act of Dedication and Despair

As ACA agents, we pour our hearts into helping clients navigate a complex healthcare system. We spend hours explaining policies, ensuring compliance, and tailoring plans to fit individual needs. We’re there for people when they’re scared, confused, and desperate for solutions.

But while we work tirelessly for others, our own needs often go unmet.

Numbers That Don’t Add Up

Let’s break this down:

  • The average company makes thousands of dollars per ACA policy over its lifespan.
  • Agents are paid $10–$20 per hour, with some earning only $2.50–$10 per policy written.

Here’s a personal example: last week, I worked 40 hours and earned $600. That’s $15/hour. Meanwhile, the company profited significantly more from the policies I enrolled. To add insult to injury, I pay $50 weekly to maintain my licenses in multiple states—a requirement my employer mandates but doesn’t reimburse.

How is this sustainable? Spoiler alert: it’s not.

The Hidden Costs of Being an ACA Agent

Being an agent isn’t just about answering calls or filling out forms. It comes with hidden costs and risks:

  1. Licensing Fees: We’re required to be licensed in every state where our company sells policies, which adds up quickly.
  2. Continuing Education: Staying compliant means investing time and money into education courses.
  3. Unpaid Training: Recently, I was threatened with a write-up for not completing a 3-hour GA (general agent) test—on my own time. As a W-2 employee, why can’t the company pay me for this?
  4. Legal Liability: If a client lies about their enrollment, guess who’s on the hook? Us. Without recorded conversations, we’d be left defenseless against false allegations.

Clients Who “Forget”

Let me paint a picture: you spend an hour helping a client find the perfect zero-dollar premium plan. You record the call for compliance. A month later, they claim they’ve never spoken to you. Why? To dodge a bill, dispute a penalty, or just stir up chaos.

How could someone forget an entire conversation about their health insurance? They didn’t. They lied. And without recordings, we’d be left holding the bag.

Corporate Greed at Its Finest

The ACA was designed to make healthcare accessible, and agents are the backbone of that system. Yet the companies profiting from our work treat us like disposable cogs in a machine.

Consider this:

  • Companies make thousands of dollars per policy over its lifetime, but agents earn less than $10 per policy.
  • We’re expected to act as healthcare experts, compliance officers, and customer service reps, all while being underpaid and overworked.

What Needs to Change

  1. Fair Compensation: Agents deserve a livable wage and fair commissions that reflect the value we provide.
  2. Paid Training: Employers should compensate agents for required tests and courses.
  3. License Reimbursement: Companies should cover the cost of state licenses.
  4. Transparency: The public deserves to know how much companies profit from ACA policies and how little they pay the agents doing the work.

Why It Matters

This isn’t just about me—it’s about the thousands of agents across the country struggling to make ends meet while providing an essential service. We ensure families have healthcare, yet we’re treated as expendable.

To my fellow agents: keep fighting the good fight. To the companies: pay us what we’re worth. And to clients: please, for the love of all things holy, stop lying. We have the recordings.

References

  1. The Affordable Care Act: A Primer for Agents (Industry White Paper, 2023)
  2. Bureau of Labor Statistics: Insurance Agent Wages (BLS.gov)
  3. Healthcare Profit Margins: A Deep Dive (Journal of Health Economics, 2022)

This is a call to action—for better wages, better treatment, and a system that values the agents keeping it afloat. Until then, I’ll keep writing books, selling policies, and demanding the respect we all deserve.