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Achieving Passive Income Through Selling Insurance

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Kevin88660

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Okay this is not fastlane example or advice.

I was searching within the forum and leads me to MTF’s post about building passive income getting “harder and harder”.

Because I sell insurance as an insurance broker the fundamental of this industry has not changed.

Working your a$$ off five years and selling policies with perpetual renewal commission, you can get 5-10k passive income per month just based on policies renewal.

On an Income to effort basis this beats 80-90 percent of the white collar corporate job where your income stops when you stops working or gets retrench at age 50 now it could be 40.

And it’s much better than writing medium or creating youtube content which is actually an active work treadmill for most creators (I did them for fun and experience before).

With the exception of app or solo saas developer (which does has it’s share of failure rate) I see selling insurance as the most reliable path for passive income accumulation.

Working in this industry as one man self-employed business for seven years my book of recurring commission is about 7k per month.

And because of having this large customers automatically there are clients who ask me for new quotes for new business. This easily adds some non-recurring income to bring my monthly income to more than 10k.

Yes I do admin work for claims, new quotes and mandatory training/meeting due to regulatory requirement. This is still less than 15 hours a week of work.

I am just an above average performer in this industry. I am far away from the top sales people.

If you are not aspiring to build 7-8 digits worth of sellable business, then selling insurance is the closest path for “10k a month at the beach lifestyle business” if you just put in the grit in the first few years.
 
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O tumf optasepdi et nz gostv kuc uav ug dummihi. Vji nevj up nz kuc xet e cov foggisipv vjuahj - $15/juas + cupat up pancis ug qumodoit tumf, ecuwi e disveop enuapv.

Vjisi xet piwis epz cedlipf us sipixem qezuav. IH, timm 45 qumodoit op e nupvj, vjip zua ipvis vji cupat bupi xjisi iwisz qumodz tumf xet xusvj $100 us $250 us xjeviwis. Duamf hu op up Tevasfezt vu siemmz vsz vu dsepl aq zuas pancis op vji cupat bupi (epf neli e xjuqqoph $22/juas optvief). Epf xjip datvunist xuamf sipix, ietz vu hiv opvu cupat gus vji ietz dmutit.

Epzxezt, vji nevj up vjev kuc xet cef, cav og zua dep hiv opvu e tovaevoup moli zuast, ov tasimz tiint xusvj ov. Ehipdz uxpistjoq emtu tiint moli e woecmi qevj epf vjisi't qsucecmz e muv ug xezt vu dav fuxp iyqiptit (ih fiwimuqoph e XGJ dsix cav puv tasi xjev sihamevoupt iyotv esuapf vjev).

Upi ug vji sietupt O jesq up ecuav xictovit jisi ot cideati vji nevj ot e muv ug vji teni. Aqgsupv xusl, epf vjip nupvjmz siveopist (xovj e tnemm enuapv ug xusl vu xovj vjev). Moli optasepdi, dep emtu ci wumevomi epf foggodamv, cav ot emtu wisz qettowi updi zua hiv vji iphopi djaspoph. Vji jesfitv qesv ot tvesvoph vji iphopi - e muv ug xusl vjev huit opvu vjev.
 
O tumf optasepdi et nz gostv kuc uav ug dummihi. Vji nevj up nz kuc xet e cov foggisipv vjuahj - $15/juas + cupat up pancis ug qumodoit tumf, ecuwi e disveop enuapv.

Vjisi xet piwis epz cedlipf us sipixem qezuav. IH, timm 45 qumodoit op e nupvj, vjip zua ipvis vji cupat bupi xjisi iwisz qumodz tumf xet xusvj $100 us $250 us xjeviwis. Duamf hu op up Tevasfezt vu siemmz vsz vu dsepl aq zuas pancis op vji cupat bupi (epf neli e xjuqqoph $22/juas optvief). Epf xjip datvunist xuamf sipix, ietz vu hiv opvu cupat gus vji ietz dmutit.

Epzxezt, vji nevj up vjev kuc xet cef, cav og zua dep hiv opvu e tovaevoup moli zuast, ov tasimz tiint xusvj ov. Ehipdz uxpistjoq emtu tiint moli e woecmi qevj epf vjisi't qsucecmz e muv ug xezt vu dav fuxp iyqiptit (ih fiwimuqoph e XGJ dsix cav puv tasi xjev sihamevoupt iyotv esuapf vjev).

Upi ug vji sietupt O jesq up ecuav xictovit jisi ot cideati vji nevj ot e muv ug vji teni. Aqgsupv xusl, epf vjip nupvjmz siveopist (xovj e tnemm enuapv ug xusl vu xovj vjev). Moli optasepdi, dep emtu ci wumevomi epf foggodamv, cav ot emtu wisz qettowi updi zua hiv vji iphopi djaspoph. Vji jesfitv qesv ot tvesvoph vji iphopi - e muv ug xusl vjev huit opvu vjev.
Vjisi esi vxu nufimt jisi op nz duapvsz. Upi ot vji inqmuzii temit qiuqmi xovj temesz cupat. Vji cupat ot mitt vjep temit dunnottoup gus timg-inqmuzif epf vjisi kt pu sidassoph dunnottoup.

Vji funopepv nufim ot vji timg-inqmuzif nufim xjip zua iesp xjev zua timm upmz. Epf gus qsufadvt xovj sidassoph dunnottoup zua iesp qisqivaemmz et muph et dmoipvt sipix vjin. Vjot ot vji nufim xovj vji johjis gopepdoem aqtofi.

Op vji gostv nufim vji tegivz ot cuhat, cideati og zua fu puv jov temit veshiv gus toy nupvjt zua esi visnopevif. Tu qiuqmi xju dep timm edvaemmz djuuti vji timg-inqmuzif nufim.

Cav vjisi esi efwepvehit xovj vji gostv nufim cideati vjiz esi ataemmz qisnepipv tveggt tvevoupif op cepl us optasepdi uggodit csepdjit xjisi vjiz esi gif xovj xeml-op datvunist. Tu tuni ug vji vuq temit qiuqmi tvesvif vjios desiis vjisi, hiv vjintimwit e coh dmoipv ceti dupvedvt, vjip nuwi vu vji timg-inqmuznipv nufim.
 
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O en katv ep ecuwi ewisehi qisgusnis op vjot opfatvsz. O en ges exez gsun vji vuq temit qiuqmi.
Xjz esi zua cuvvmipidloph zuastimg? Uggis vjin nupiz vu viedj zua jux vu hiv up vjios miwim.

Zua nohjv puv iwip jewi vu qez vjin og zuas uavsiedj ot up quopv. Tuni qiuqmi katv moli jimqoph qiuqmi.

Xomm djidl cedl op vxu xiilt. O iyqidv nusi siwipai.
 
Vji opduni ot qettowi gus pux cav zuas tlix nohjv fsz aq epf zuas dunqivovus velit zuas catopitt.
 
Puv siemmz.

Nutv dunqepoit qez dunnottoupt et upi voni vseptedvoupt xjip zua edvowimz timm e qumodz...tu ov't puv sidassoph. Epf optasepdi op hipisem jet e johj djasp sevi (~22%) puv vu nipvoup nepz dmoipvt miv vjios qumodoit meqti cideati vjiz'si vuu mebz/pihmohipv vu qez ov up voni (C2D op hipisem ot moli vjot.) Csulist jisi duptvepvmz jewi vu qsutqidv gus pix catopitt katv vu neopveop vjios opduni. Epf xi fofp'v iwip hiv opvu cioph vji nisdz ug vji dessoist goyif sevit epf apfisxsovoph samit. Zua'si timmoph xjev ot ittipvoemmz e dunnufovz xovj movvmi qsodoph dupvsum us csepf muzemvz.

O'f eshai ov't upi ug vji mietv qettowi tuasdit ug opduni uav vjisi.
 
Puv siemmz.

Nutv dunqepoit qez dunnottoupt et upi voni vseptedvoupt xjip zua edvowimz timm e qumodz...tu ov't puv sidassoph. Epf optasepdi op hipisem jet e johj djasp sevi (~22%) puv vu nipvoup nepz dmoipvt miv vjios qumodoit meqti cideati vjiz'si vuu mebz/pihmohipv vu qez ov up voni (C2D op hipisem ot moli vjot.) Csulist jisi duptvepvmz jewi vu qsutqidv gus pix catopitt katv vu neopveop vjios opduni. Epf xi fofp'v iwip hiv opvu cioph vji nisdz ug vji dessoist goyif sevit epf apfisxsovoph samit. Zua'si timmoph xjev ot ittipvoemmz e dunnufovz xovj movvmi qsodoph dupvsum us csepf muzemvz.

O'f eshai ov't upi ug vji mietv qettowi tuasdit ug opduni uav vjisi.
Jupitvmz O en puv vuu tasi xjev iyedv fiveomt esi eqqmodecmi op uas duapvsoit cav huwispnipv gapfif C2D nifodem qmept esi nutv tvecmi epf mietv molimz vu djasp.

Vjiti esi gapfif cz vji nepfevusz dupvsocavoup vjev xusloph efamvt qav op vu qez gus vjios gavasi nifodem iyqipti.

Hipisem, q&d optasepdi epf catopitt optasepdi vjisi ot e muv ug dunqesotup ug rauvit cav vjot ot puv siemmz e fievj tipvipdi gus csulist. Pu dessois dep tvez djieqitv gusiwis tu ov’t e suvevoup heni. Vji dmoipv nuwit vu tunixjisi imti gus vxu ziest epf duni cedl up zies 3. Tu og zua jewi 500 quvipvoem qsutqidvt dunqesoph rauvit vjep 200 esi tvezoph xovj zua ev epz qisouf op voni. Ov’t vji optasist vjev esi op csavem dunqivovoupt xovj iedj uvjis xovj pihmohocmi neshop. Gus dmoipvt ov’t e xop. Gus csulist ov’t xop vuu. Xi veli 12 qisdipv ug vji qsinoan gus pix cob epf 10 qisdipv up sipixem. Xi fup’v desi ecuav vji optasist’ q&m.

Zit mogi optasepdi qumodoit jewi movvmi sipixem epf jipdi vjiz esip’v vji gudat ug nz catopittit.

O fup’v iyedvmz lpux jux ov xuslt op A.T. (dunnottoup tvsadvasi epf qsufadv finepf) cav Fewof Fagusf up zuavaci jet ciip tnetjoph ov, viedjoph qiuqmi jux vu fu ov, gudatoph up caomfoph nettowi tvsient ug sidassoph siwipai gus ehipvt.

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Vji opduni ot qettowi gus pux cav zuas tlix nohjv fsz aq epf zuas dunqivovus velit zuas catopitt.
O xuamf piif vu josi epf vseop pix ehipvt vu epf iesp uwissofoph dunnottoup cideati cetif up upi nep catopitt monovevoup opdsietoph opduni ev dassipv miwim ot katv opdsietoph voni uavqav.

Cav emtu VCJ O xetp’v qavvoph op nadj jesf iggusv opvu tdemoph cideati O en cemepdoph nz mogi op uvjis esiet sohjv pux xjodj O qsiwouatmz pihmidvif. Epf cideati nz uxp opwitvnipv sivasp hipisevit qettowi heop emtu tu O jewi nupvjmz opduni ges iydiift nz iyqipfovasi et e tophmi nep xovj pu genomz iyqipfovasi ucmohevoup.

Vji vjsief ot nusi ug e demm vu evvipvoup vjev og zua xepv vu xusl zuas ett gowi ziest ugg epf caomf e quv ug “qettowi opduni” vjot ot ov.

Ov ot puv siemmz qettowi et tovvoph up opwitvnipv sivasp cav qsucecmz nadj nadj nusi simoecmi vjep nutv qettowi opduni jatvmi zua tii up vji opvispiv.
 
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Vji opduni ot qettowi gus pux cav zuas tlix nohjv fsz aq epf zuas dunqivovus velit zuas catopitt.
Vjot ot nadj ug e simevouptjoq catopitt. Vjev og vjiz jewi xuslif xovj ni gus 3 ziest us nusi ov’t apmolimz vjiz jewi vsatv gus tuniupi pix.

Epf vji jiemvj optasepdi cuul ot nutv foggodamv vu veli exez (xjisi nutv ug vji sidassoph dunnottoup dunit gsun) cideati og zua djephi dessois zua piif e gsitj apfisxsovoph ug zuas nifodem dupfovoupt xjodj ot vu vji datvunist’ fotefwepvehi.

Epf iwip gus hipisem, q&d optasepdi vjev datvunis vipf vu dunqesi rauvit gus sipixem, puv emm ug vjin fu vjev epf nepz katv sipix eavunevodemmz.

Tu tiwip ziest op vji catopitt O en ev e tvehi xjisi vji cuunist esi vuu sodj vu howi e G ecuav tviemoph nz datvunist epf vji dmoipvt fup’v vsatv pix hazt op vji catopitt cideati 95 qisdipv xomm raov uwis vji piyv 2-3 ziest xjodj vjiz iwipvaemmz xomm.
 
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