Top 3 recruiting states

Next 7 top marketing  states

Still Very Good states for mailing

Good States

Fair to Good

Bottom & Summary

Rating = 4

OHIO

Finally, the first state that is not on the border or coast. The same land-locked trend is true of these next states on this page. Ohio we call "the profit potential state". Our feedback from agent recruiting firms, using our lists  is overwhelmingly favorable for over 20 years straight!. The recruiting secret why results can be obtained almost immediately: Ohio has 4 distinct agent population districts instead of just one or two.  This geographic factor makes it hard for a particular insurer to monopolize the entire state. The four metropolitan areas are Cleveland, Columbus, Cincinnati, and Dayton. Where do you set up your recruiting operation? Wherever it is, is also the likely location of most of your recruiting effort.
Factories with unions providing employee benefit plans are rather prevalent. Nonetheless, Ohio it is still a strong state for group and worksite benefit plans. The Ohio agents that are with a major career life insurance company, are much less loyal than in most states. That means to you, the recruiter, they broker business to recruiting firms properly baiting their hooks. It also means a huge need for attractive brokerage products, expanding well beyond life insurance.  In Ohio we can even increase your edge with out solid agent database crammed with information. This allows us to precision tune it to your particular recruiting needs.
For a more detailed analysis: Ohio-insurance-agents

Rating = 5

GEORGIA

Like most southern states, debit agents used to have an enormous impact on the insurance agents. These agents sold very small life insurance policies, and had established routes, where weekly or monthly they would pick up the premiums directly from their clients. These agents were employees of the company, which means that when they left, so did their unvested renewals. The old route was simply passed on to another rookie agent to handle. Needless to say, low income potential, high training costs, and modern banking policies have pretty much decreased debit life insurance company presence to a minimal factor nowadays. Georgia is split in two zones, 55%  of the licensed agents in the Atlanta Area, Zips 300-303, and 45% for the remainder of the state. Our Georgia advice: Stay OUT of Atlanta. These Atlanta agents are bombarded with almost daily insurance solicitations for insurance products by fax, email, telemarketing, and direct mailing. The quality selected, outside Atlanta area agents seem excited to receive a direct mail piece offering a genuine opportunity. Make your move to reward yourself with a sweet piece of the Georgia pie.
For a more detailed analysis: Georgia-insurance-agents

Rating = 6

WISCONSIN

Wisconsin is a dominant Fraternal Life Insurance Company state. Their agents offer "certificates" instead of polices to "members" instead of clients. The Fraternal Organization holds benefit events for hard stricken members, and may be formed around a common work trade, religion, or life concept. The menu of products offered by Fraternal insurance companies is rather small. This gives the secret to Wisconsin recruiting: Fraternal insurance agents are exceptionally brokerage minded. The average number of outside companies a Wisconsin "broker" is licensed with, far exceeds the national agent average. As the state of Wisconsin is somewhat overlooked, its has over 10,000 agents that have already contracted with at least one outside carrier. Your carrier should be the next one they consider.
For a more detailed analysis: Wisconsin-insurance-agents

Rating = 7

MINNESOTA

Minnesota possesses many of the valuable marketing characteristics that Wisconsin has. In the land of ice and snow and lakes, it also has many fraternal life insurance agents. Consider this fact. Many large insurance brokerage orientated insurance companies have regional recruiting directors. In the midwest, this central hub is Chicago, Illinois. This means 50% of their recruiting time and budget is conveniently located in that recruiting hub, even though the region includes other states like Wisconsin, Ohio, Michigan, Minnesota, or more. Our recruiting tip - Keep your recruiting dollars outside of a recruiting 'hub'. Also giving less attention to Minneapolis/St Paul will produce more solid leads. The competition pressure is low, so your results could boil over the top.

NORTH CAROLINA

North Carolina agents may carry a heavy accent, but they also carry a heavy brokerage swing that can hit you a couple homeruns. Usually the internet interest in agents seeking marketers is closely in line with the number of recruiters seeking agents. In North Carolina this scale is tipped drastically in the wrong direction. Good North Carolina agents are looking for insurance marketing firms!  We have noticed that North Carolina gets one third the recruiting solicitation that Georgia does, and one half that of Tennessee. Part of this credit goes to cities like Greensboro, Charlotte, and Raleigh, all have good agent bases. Unlike Atlanta or Nashville with its agent population domination. By recruiting top notch North Carolina agents you have so much to gain, plus one giant bonus point. The agents are more loyal to a marketing firm that treats them right than anywhere else we have seen.

MICHIGAN

In Michigan lets look at the negatives first. The large presence of automobile and automotive supplier unions, among others has virtually wiped out the group insurance market. Some individual major medical potential exists but with Blue Cross being so dominant, and offering such paltry commissions, it hardly makes the market worth pursuing. Another drawback in that the metro Detroit area contains half the agents and over half the population. The plus factors include the well-off union retirees who have moved outstate, the non-presence of insurance marketing hubs, and the poor job career life companies have done on retaining agents able to overcome the early obstacles. Our tip is look for agents with at least 6 years experience. The metropolitan Detroit are is very good for advanced life and annuities directed at the professional market. The outstate area is prime for long term nursing care. Don't zoom by the motor city state.

MISSOURI

Close to a tie with Michigan is Missouri, but still making the top ten round out. However the state is very different, with very few unions and a median family income $3,000 below the national average. In this state, the good parts of Midwest agent personality, start to blend with some Southern Hospitality. It is surely a good show me state, where an abundance of independent and semi-independent agents are thinking show me a good product offer and I might be interested. The sufficient senior citizen base in the state would have to be rated good for long term nursing care, whereas the lower income could be a slight drawback to over sophisticated annuities. KISS - A Keep it Simple State. We can lead you to the agents that will make recruiting even simpler.