Overview
Choate Agency sells life insurance to individuals and families across the United States through licensed agents who work remotely. The agency focuses on mortgage protection, coverage meant to give a family financial security for its home should tragedy strike, along with term life, final expense and retirement income products. It is a partner agency of Symmetry Financial Group, an insurance marketing organization owned by Quility Insurance, through which its agents can offer policies from several insurers rather than one. Agents hold needs-based conversations with families who have requested coverage information and close the sale, while the agency provides back-office support for contracting and case management.
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Simplify's take
What believers are saying
- Licensing costs get partial support: Choate contributes $100 toward the pre-licensing course, which most finish in two to four weeks.
- Part-timers get health options: Choate's advisor and realtor posting lists health, dental and vision benefits available part-time too.
- Pay arrives weekly: Choate's producer posting lists weekly pay and commission advances, plus more than 10 performance bonuses.
What critics are saying
- No base pay: Choate's 'Winners Only' posting is a 1099 independent contractor role: 'Commission-only. No base, no floor.'
- Agents budget for leads: Choate's site says Symmetry 'heavily subsidizes the cost of leads,' with 'options for every budget.'
- Pay claims carry caveats: Choate cites $85,000 to $225,000-plus for consistent full-time representatives, yet calls no results typical.
What makes Choate Agency unique
- Client books belong to agents: Choate says the clients an agent writes travel with that agent after leaving.
- Other professionals sell on the side: Choate recruits financial advisors, property insurance agents and realtors to add life sales.
- Team leaders earn overrides: Choate's leadership path pays agents who build teams an override on their team's production.
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