Hello,
I started studying for my P&C as well as my L&H in mid Jan of 2024 and passed both exams last week. I applied for my licenses and officially got them a couple days ago. Yay.
I was hoping to go the independent agent route so I could work remotely but quickly found out after applying for an agency that due to my pending Chapter 7 bankruptcy, most carriers that the broker (IMO) offered wouldn't even consider contracting me until 6 months after my bankruptcy is officially discharged (I filed in March). I read that it would be difficult to get appointed with a bankruptcy yet not impossible, so I still went for it, but I didn't realize 'difficult' also meant 'impossible for the next 8 months'. Upon learning this, I immediately started looking up jobs at home depot LOL. I should have called a carrier beforehand, before I even got my licenses and this situation would have been avoided.
I don't want to give up yet.
I called a few insurance agencies in my nearest town and have an interview tomorrow, but I'm curious as to whether I can get hired with a bankruptcy even as a Captive agent in a physical office. I really don't want these last 4 months to mean nothing, so hopefully there's still something I can do with my licenses. If anyone has any experience with this, or any ideas for what I can still do with these licenses, please let me know.
Thanks!
I started studying for my P&C as well as my L&H in mid Jan of 2024 and passed both exams last week. I applied for my licenses and officially got them a couple days ago. Yay.
I was hoping to go the independent agent route so I could work remotely but quickly found out after applying for an agency that due to my pending Chapter 7 bankruptcy, most carriers that the broker (IMO) offered wouldn't even consider contracting me until 6 months after my bankruptcy is officially discharged (I filed in March). I read that it would be difficult to get appointed with a bankruptcy yet not impossible, so I still went for it, but I didn't realize 'difficult' also meant 'impossible for the next 8 months'. Upon learning this, I immediately started looking up jobs at home depot LOL. I should have called a carrier beforehand, before I even got my licenses and this situation would have been avoided.
I don't want to give up yet.
I called a few insurance agencies in my nearest town and have an interview tomorrow, but I'm curious as to whether I can get hired with a bankruptcy even as a Captive agent in a physical office. I really don't want these last 4 months to mean nothing, so hopefully there's still something I can do with my licenses. If anyone has any experience with this, or any ideas for what I can still do with these licenses, please let me know.
Thanks!