Tag Archives: life insurance

Honesty Hour: How to lose your money in a year.

I hear a lot of agents talk about going broke. Many times, people do not believe it. It is real. You can go broke in the life insurance industry. I am going through it, and it is hell on earth. Crazy to even think about it, because I was so sure it was not going to happen to me. I said once I started closing deals, I was not going to stop. Told myself: “oh this is easy; I’m going to make at least 20k a month”. I was so arrogant and overly confident. I give myself credit for being extremely optimistic. PSA: if you want to make 20k a month: set appointments, 12-25 appointments a week. Constantly dial. Oh, and it is best to make appointments on Sunday and Monday just FYI.

The life insurance Industry is not something to take lightly. NO: it is not a scam. Yes: you can make millions in this industry. The product and demographic are important. If you are looking to make a killing DO NOT DO FINAL EXPENSE. Stop going for the low hanging fruit! I have learned my lesson, yes, I have. Sheesh you do not know the hustle until you are a single mother, facing eviction and you have little to no food in the house. Talk about an eye opener.

Literally, I’m back to working a salary job. I must always put my son first. I have gotten myself in a mess but baby: I am learning from my mistakes. I hope whom ever reads this heed my words: DO NOT QUIT YOUR JOB WHEN YOU JOIN THE INDUSTRY, KEEP WORKING A REGULAR JOB UNTIL YOU CAN SUSTAIN CONSISTANT INCOME. Do not allow anyone to be little you for working to feed your family. If you don’t have 10k in savings, keep working. Then get into the flow of things find your niche. There is more to the Life Insurance Industry than FINAL EXPENSE.

Coming from a Life Agent gone broke: start with mortgage protection. You will thank me later.

Best of luck to you!

I’m Back! 2023 Here I Come.

When you have mastered the art of not reacting. You have finally made it. Keeping my feelings in check has always been somewhat difficult. It has taken me a lot of self discipline, healing from the inside out, and therapy to better understand why I lash out or get so overwhelmed that I cry.

*sigh* It’s 2023. My New Year’s resolution is to share more. This perception of this “I’m an independent woman, I don’t need no man.” Is a lie. Because yes I do. Yes I do want to be loved and catered too: whoever doesn’t is lying 🤥. Take that to the bank and deposit that.

Anyways! Kittens I’m back and ready. I’m still on my Insurance Journey and starting to work my way into the Finance Industry.

Can’t wait to share more!

FYI: Sorry for the silence 🤫. I’ve been grinding.

Anyway chow! ‘Til next time.

-Xoxo-Rach

The Tea

Why I love the Life Insurance Industry

No one cares about your race, resume, or if they know you or not.


My experience here in West Virginia, when it comes to job hunting, has been wild. I didn’t really notice the red flags about this state until I started getting job offers in other states.


My background: I have not completed a college degree, but I have worked since I was sixteen years old. What have a done? My first job was as an accounting assistant. I have worked in retail, healthcare, office administration, sales, and now in insurance. I have gained a lot of experience, knowledge, and professionalism.


When it comes to my resume, I do not put all experience on there. I may only go back five to six years of job experience. I always list my skills and ALWAYS start with an about me/objective section. A saturated resume can be just as bad as a scarce resume.


Why am I blabbering about this? West Virginia.


In West Virginia, employers that are local to this area do not hire you unless they know you. They complain that people do not want to work but will have a stack of applications or resumes, they said no to. Then you have managers who fear losing their job, so they will not hire someone who is more educated than them. The mindset here is so warped.


I’ll never forget at a previous job, the manager told me they didn’t like to hire black women because they are so much drama. The look on my face was purely discussed, I couldn’t hide it. I’m a black woman. The managers rebuttal to me, saying that was, I was “different”. I didn’t act ghetto or caddy. Still to this day, I do not talk to that person. People are openly racist but then act like they are not in this state. They will say some off the wall shit like that, and then turn right around and say oh I have a friend who is black or oh, I have an adopted sibling who is black—


There is the other side of the coin: I’ll never forget this. I walked into an interview one time with my resume in hand, business suite on fleek, and my smile just heating up the room. Literally, I was feeling myself, and no one was going to ruin my day. The interviewer looked at me and then looked at my resume, and before we even got started, said to me, “You are not going to want this job, it only pays $30,000 annually”. Mind you, I had already done my homework, and I wasn’t interested in the pay. I needed the experience and a network of people in that industry for later down the road. She did not want to interview me at all. I left that interview knowing that I wasn’t going to get the job, and I was okay with that. It was a learning experience that woke me up and made me realize my worth and value.


The insurance industry has given me a safe space as a black woman, and I am here for it. The first three years are the hardest, and I’m still in the beginning stages. I would rather struggle now than be at a job in West Virginia that sees me as less than or too good.


My next step in my journey is to get out of this state. My brother finally left, so now it is my turn. One state over will make a difference in my environment and success.


I will update you all soon!
XOXO, Muah!

From Rookie To Leading Lady



It is my nature to help others, but lately I have been feeling so empty. My body is beat down.
Progress had become regress (in the moment that is what I thought). This past weekend, I shut myself in my room. I did not leave my house. I didn’t answer phone calls. I buried myself in training, outlining ways to network, and went through agent applications (still hiring by the way, send me your resume. Email will be at the bottom of this page).

Why am I ranting?

Mental and physical health.

Mental and your physical health is extremely important. As a Leader and Agency owner, I cannot expect my agents to give me 100% if I am not at 100%.

Being a Leader is not about what kind of car you drive or what is in your bank account. It is about what i said above. 100 percent.

I believe there are three invisible L’s in Leadership. Listen, learn, and losses.

You have to be a good listener. If you don’t take time to listen to your agents, you will miss out on their needs to grow.

You have to be willing to learn. Learning doesn’t stop when you step into leadership. No babe, it gets more difficult. If you stop learning you will miss out on alot of opportunities in the industry.

You have to learn to accept your losses. I have always told myself, “what is meant for me, will be for me”. Not everything is for you, and that is okay. Roll with the punches, dust yourself off, and get back on the little red wagon.

I was born to lead. By no means am I perfect. I am human. I am allowed to feel. I am allowed vent. I am taking on the burden of a 1,000 people. Yes it is weighing me down. I see meditation in my near future. Babe, send in back up.

Signing out.
From Rookie Agent to Leading Lady: Muah!


If you are interested in getting into the Life Insurance Industry, now is the time. Please send your resume and a message to: info@thecashagencyllc.com

Trust



My dad said something to me that made me go quiet (shocker I know). He said, “Don’t be so trusting.”

I put my trust in people without knowing their background. Just as much as I love without conditions.  People could have the worst intentions, and I will still put my best foot forward. Now, am I naive about the world around me? No. I know how nasty and inhumane people can be, but if I can be the light in someone’s dark: I am doing my part, while being the change I want to see in this world.

This is off topic, but think about it.

Hate has no business in the insurance industry. If we would all band together, you would see a massive shift or movement happen. That is why I love listening to Cody Askins podcasts. That man has created a space for all agents no matter their background, race, religion, etc.; to get together and be apart of something amazing.  (Bummed I missed out this year, next year I’m there.)

We need more people coming together. No man or woman is superior: let’s all be great.


If you want to know more about the Life Insurance Industry, please reach out. You can contact me at:

info@thecashagencyllc.com
(703)244-5710

I am available night or day, stay blessed.

“Knock, Knock”

As a kid, I remember saying a lot of knock, knock jokes. It was all fun and games until you were staring at your friend like they had lost their mind. Trust me there is a point. Keep reading.

Do you ever feel like so many excellent  opportunities are knocking?

“Knock, Knock…”

Your pride is just keeping the door shut, but your brain keeps saying:

“Who’s there?”

You have that little prideful devil on your shoulder saying, “Not today babe. All you need is me”.  The opportunities just keep knocking….

“Knock, Knock…”

Your brain keeps asking:

“WHO’S THERE?”

Meanwhile, your pride keeps holding the door steady.

Eventually, the right opportunity is going to knock that door down. Eventually, you’re going to have to make a choice. Do you want to be stagnant OR do you want to excel?

Dreams do not become a reality by staying just dreams.

99 Problems & You are 1

From 0 to 100 real quick.

Rule #1: Stop over thinking

Rule #2: Do not procrastinate

Rule #3: Do not ever show your hand

Rule #4: Stay level headed

Rule #5: Stay Consistent

Rule #6: Smack every Financial Advisor who is NOT a licensed Insurance Agent/Advisor

Rule #7: Do Not forget RULE #6

No. I will not bite my tongue. The frustration I feel hearing clients say, “Oh my Financial Advisor said I did not need life insurance”. (Okay Dave Ramsey)
Just because you have a college degree does not make you knowledgeable when it comes to insurance. I said what I said.
I wish Financial Advisors and Insurance Agents would learn to work together. If both parties have the clients best interest at heart, then financial and retirement planning could be simplified.

Fixed and Indexed Annuities are beneficial to clients. I need every Financial Advisor to stop telling clients Annuities are a bad thing. Listen up. ANNUITIES ARE BENEFICIAL! If a client’s annuity is properly set up, they could stop risk of loss, while potentially gaining money, have income for life, and not have to work after retirement! It’s a win win situation. We all know Social Security is not enough to survive on. So stop lying to clients! (AND THE CHURCH SAID AMEN).

Now, let’s pray and play nice. Muah!

Broker Life.

Being a broker makes life easy. Especially on dial days. Do you know how many times I hear, “what insurance company are you with?” Let’s just say about every other call.

Let me tell you, the relief I hear in people’s voices when I tell them I am a brokerage and what that means for them is astounding. I always hear them start to relax a little! Many people get calls everyday from different agents, who probably are reading the same script.
Scripts are great, but personality is better.

Being in the Life Insurance industry, you have to have merit, integrity, a willingness to listen, and the ability to learn. In my opinion that makes you stand out from the rest, and those are the type of agents I want working in my Agency.

(Recruiting in a city near you)

Back to why being a broker makes life easy: people want options. Life insurance is not a one size fits all. The quicker you learn that, the better off you will be.

Happy Friday! Remember: Kindness goes along way.

PSA: Yes, new agents are welcome to join me on this journey. 

You can shoot an email to: info@thecashagencyllc.com

My Affirmation

“I can not control everything, but I can control what is in my bank account.”

(Repeat)

“I can not control everything, but I can control what is in my bank account.”

(Repeat)

“I can not control everything, but I can control what is in my bank account.”

(Again but loudly)

“I can not control everything, but I can control what is in my bank account.”

You are highly favored.
You are successful.
You are healthy.
You are strong.
You are worth it.

Do not move in silence.
Celebrate your highs and lows.

And just one more thing: “may the odds ever be in your favor”