How to buy an Allstate agency?

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PostPosted: Mon May 07, 2012 11:16 pm   Post subject: Seriously...  

Why dont you post something relevant like answering the question being presented. Who doesn't know that license, business management, and industry knowledge isn't required. How about describing the appointment process or something of value!

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Really Though

PostPosted: Wed May 16, 2012 7:08 am   Post subject: Thanks very much  


You can find this info by using search box in the top of website with some keywords related before posting questions.

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PostPosted: Mon Jun 25, 2012 3:23 am   Post subject:   

whoever you are buying the book from might wanna solicit his book inspite of non-compete. try to bind him in a 1-3 years of non compete agreement. This would be a good thing, these activities are hard to prove but thatas your best defence. Once you come on board, actively call and send mail to all the customers letting them to know you and your new team. An open house would also be a good idea. all the best.

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PostPosted: Thu Mar 28, 2013 10:20 pm   Post subject: Scratch Agent  

Hi. I got appointed as a scratch agent doing business in a claims location with Allstate. The rent is $230 a month so overall overhead is small. I am in a tough situation because my current employer doesn't want to see me leave and is giving me a baseline salary and 100% commissions on nb and 5% on renewal (that's a 50/50 split). I in return will have a risk free opportunity to grow bc I wont put in any $. I am concerned about two things... One major issue is my clients would be under her book of business. They are telling me that down the line they would help me open up a satelite office... But again it's not mine. The reason it sounds like a sweet deal is because I own a house. I feel torn between two opportunities.. Can anyone give me some rational advice? Which job would you take? Is Allstate good enough that I would succeed as an agent starting from scratch? Right now I feel I am getting advice for someone else's benefits. Please help!

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PostPosted: Fri Mar 29, 2013 12:39 am   Post subject:   

Can anyone give me some rational advice? Which job would you take?
You have to make this decision on your own. No one here can give you the kind of "advice" you seem to need. Thomas Edison had 1000 failures before he invented a working light bulb. You'll never know until you try.


CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
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PostPosted: Mon Jan 20, 2014 3:07 pm   Post subject: Want opinions - start a scratch agency as newcomer?  

I am a newly licensed agent in P & C and Life & Health, and will start working on Series 6 this week. I am weighing accepting a job as an LSP, or attempting to start a scratch Allstate agency myself (pending approval of course). I have the funds and quite a bit of sales and management experience from other industries. I am a hard-working, highly motivated go-getter and not afraid to try it. I have read conflicting opinions on whether to get experience first or to go for it and jump in. I know I would be super motivated working for myself as that has always been my long term goal. I have heard some people have done it successfully. Others advise to get the experience first before attempting it. I would prefer to jump in and try, and I feel very highly motivated to start my own agency, but don't want to set myself up for failure, either. I would like to hear some opinions.

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PostPosted: Tue Apr 29, 2014 7:15 am   Post subject:   

According to the American Association for Justice, AL.pdf, Allstate is the worst insurance company on the planet. Why in the world would you want to purchase an agency?


Please feel free to go to my website at or, if you have a specific question, you can email me directly. I hope I can answer any questions you might have. If not, I can certainly find an answer right away.
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PostPosted: Mon Jul 28, 2014 8:36 pm   Post subject: Insurance agency  

So, being an Allstate agent I can say a couple things, honestly.

If starting scratch you are on a HUGE initial commission schedule, that's declining for five years back down to a normal level.

E.g. Month one you will make more than month 4, month 4, more than month 6.

I would say two things are probably true. One, you need a good six months to understand the business. There are a million idiosyncrasies involved, from collecting proof of prior insurance, to what is acceptable, to what could get you in trouble... If you're learning this stuff on your dime, then it is on your dime.. You could run the risk of writing a policy having it get thrown out, having no idea what will get the customers the lowest price, starting from day 1... etc.

Now if you work for an Allstate agency for say 5 or 6 months ahead of time, you will know all this, have an idea of the processes, conversations, and documentation requests, and will really be able to hit the ground running when you're on your own, instead of learning. Because learning, isn't earning.

I came from State Farm, knowing insurance I figured, easy transition. Nope, one company says down is up, the other says, up is down. With State Farm you're constantly in email with underwriters once you've submitted an a policy and you run the risk of them adjusting customer premiums after they've been written, etc. With Allstate, you can learn what's strong, needed and acceptable ahead of time, and never have that happen, however you do need the experience of having seen several different scenario's and learning from them, first.

Last, I'll talk about the companies future and compensation.

The company it's self has improved dramatically the last two years, just look at it's stock price. Every region and market is different, but this is an innovative, driven company, always coming out with new tech, incentives and that's really begun listening to agents. And they move fast. If not profitable, they will take a rate change, if not writing enough new business after the rate change, they will come up with a new discount to get more new business. So they are constantly doing what they think is best to continue to grow and be profitable.

This is good and bad. Because you have to stay linked in, and something might come up that you might not agree with, however at the end of the day this is business, and they want to grow and will constantly take feedback and innovate to come up with solution and continue to grow. They REALLY respect the agency level, so much so that in my state they no longer do anything through the internet or 800 number, if an agency is open, the call is routed to whoever the closest agent is to said customer.

Last compensation. I recommend opening toward the beginning or end of the year. Reason being, you can receive an agency bonus of $20k-??? Every year, it's very attainable if you have 10 months to do it. Not so much if you have, say six. Likewise if you opened in October or so, that would give you a few months to know what you're doing so you'd have a strong Jan to Dec the following year and hit bonus.

Can you earn six figures your first full year? Absolutely. You definitely have to work hard, have your processes in place, have an idea of what you're like to do in marketing, and what kind of leads work best in your market.

If one market is overly saturated with thousands of pieces of mail every month, you sending mail may only result in a few phone calls. However if it's an area rarely marketed to , you might get 100 phone calls that month. Likewise, the best leads tend to be those that have an active name and number that can be called. That's your best ROI. Appearing in magazines, etc is all good for branding, but there's not generating the business you need directly and from day 1.

There's a lot of smart data out there too. Internal data. For instance you can see that 10,000 quotes were given in this zip code and only 6% of people were closed, meanwhile, 10,000 were given in this other zip code and 12% of people given quotes were closed.

Some states, mine being one, are very sensitive to the different areas around us, so knowing exactly where best to spend money marketing is certainly very helpful and is just among the internal data you can look up in seconds that not enough agents pay attention too.

That aside, the sale of the book and the owning of the economic interest cannot really be overcome by the other opportunities I've seen out there.

You truly get to get a nice retirement package when you leave with that sale, again having it pay you one final time, aside from the six figures that it had been paying you for every year that you were an agent. And the purchaser then gets to make his/her money back on said purchase in about three years, and have every year thereafter become a steady stream of revenue.

The only agents that fail are those that don't understand the business well enough going in, and the ones that thought they bought instant retirement. You definitely have to learn everything, be good with details and hard work, and put in the hours, and/or have an office manager sooner rather than later that you pay well, that also gets it and can allow you to be absent.

So, if this ACCURATE post of being a agent interests or informs, then it's achieved it's mission.

All the best.

- Sean

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Allstate Agent

PostPosted: Sun Jan 07, 2018 12:23 pm   Post subject: I have a deal for you.  

Hello I have a deal for you.

There are luxury towers in Bat Yam right on the sea and the price is going to rise a lot this year looking to make a very big profit or bring in customers and take a percentage.

You Interested in hearing details?

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PostPosted: Tue Feb 20, 2018 6:50 pm   Post subject:   

Hello Insurance Professionals:

I'm entertaining buying into an existing book of business and starting out as an Allstate independent agent in WNC. I have over 30 years of sales and marketing experience, but no insurance related experience at all. I'd be starting from scratch licensing and all.

What advise can you give me?

What questions should I ask the Allstate person I'm meeting with?

What pitfalls should I be aware of?

Is there anyone out there willing to mentor me on how to be successful as an Allstate Independent Agent?[/list]

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PostPosted: Sun Feb 09, 2020 6:23 pm   Post subject: business loan up to $ 5 million  

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