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Howe Insurance Services Insurance Agent Reviews

Updated Aug 21, 2016

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3.6
70%
Recommend to a Friend
100%
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Howe Insurance Services Founder & CEO Don Howe (no image)
Don Howe
5 Ratings
  1. Helpful (1)

    "Amazing management/opportunity"

    5.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Insurance Agent in Columbus, OH
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at Howe Insurance Services

    Pros

    Management cares about the agents. When you run into trouble help is a call away! Uncapped income potential with commission only sales, excellent commission percentage that raises with time and experience.

    Cons

    Commision only income, if you're unsure of yourself or not great with people this isn't for you! Training issues: if you don't follow directions and do what you're trained you will NEVER make it, there's a reason majority of the agents sell more AP than the competition, BE TEACHABLE!

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  2. Helpful (4)

    "Lack of financial concern for new employees"

    2.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Former Employee - Insurance Agent in Caldwell, OH
    Doesn't Recommend
    Negative Outlook
    No Opinion of CEO

    I worked at Howe Insurance Services full-time for less than a year

    Pros

    Easy to be hired. They claim to have independent agents but they are actually captive to only sell their overpriced products. They claim to give great commissions but won't pay the street price to new agents.

    Cons

    They will bleed a new agent dry of funds for expensive leads, wasted time and energy, without any show of remorse. Then steal back all of your supplies and clients that you have bought and paid for before they will release you from their well polished agent contract.

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  3. Helpful (4)

    "Independent Life Insurance Agent"

    4.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Current Employee - Life Insurance Agent in Orlando, FL
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at Howe Insurance Services full-time for less than a year

    Pros

    Great training and support. The successful agents share there secrets on video and audio taped conference calls.

    Cons

    Must buy your own leads and supplies which can be very expensive

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  4. Helpful (7)

    "Not for everyone but a good company with good intentions"

    3.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Independent Insurance Agent in Columbus, OH
    Recommends
    Neutral Outlook
    Approves of CEO

    I worked at Howe Insurance Services for less than a year

    Pros

    -Good company with high moral and personable leadership; they have the best of intentions and are not out to push product or take advantage of agents. -Flexibility to make your own schedule and choose the clients you see. -Company no longer requires a $5000 up-front investment and does have a system for financing leads that works sort of like a draw. -The clients you typically see are very much in need of your product, so you can feel that you are doing a good moral thing at the end of every day. -Training and coaching on the selling system/styles is offered free to every agent and is available online. -Weekly calls are motivational and filled with good suggestions/best practices from successful agents. -Commissions paid are reasonable for the work. -Not micromanaged--truly independent. If you are in a position to work a lot of hours, possibly travel 1-3 hours from home to see clients, have about 3 months living expenses saved up or a spouse that can pay the bills without your input, and the ability to take rejection well, go into people's homes, and keep a positive disposition regardless, then you can do very well at this job. The lead system is proven to work as a numbers game--buy more leads, get more hot prospects, make more appointments and pound more pavement, and you can see enough to make it.

    Cons

    -Have to front the cost of your training and licensing. -Have to front the cost of your leads (about $3000 over 3 weeks, then $1000/week thereafter). -100% commission only. -Even though the clients you see need the product, they do not usually manage their personal finances in a way in that supports them buying the product. Also high chargebacks due to the nature of the clientele. -Limited product line and ability to sell to clientele due to health concerns and/or payment methods available. -You will have to work 6 days a week and long days on the phone, cold prospecting (door knocking), and pounding pavement to be successful. The lead system is helpful, but in its current form, produces questionable prospects for a large upfront expense. You do have to sling a lot of hash to bring home the bacon, so to speak. -Product training is very minimal and could be a liability for all. -Chargebacks are high which makes it difficult to make a living and puts an agent at risk of owing an insurance company money. If you have difficulty with self-discipline or taking rejection; if you are uncomfortable in people's homes of varying conditions, if you cannot afford the upfront expenses involved and give yourself three to six months to get a good start, then this job will be a stretch for you.

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  5. Helpful (7)

    "Not bad. not great"

    3.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Current Employee - Insurance Agent in Tampa, FL
    Doesn't Recommend
    Negative Outlook

    I have been working at Howe Insurance Services full-time for more than a year

    Pros

    Lots of help and direction.

    Cons

    The company used to provide new agents with a given protected territory. No longer. They have hired so many new agents in 2015 that you can literally have multiple agents in your backyard. This might not be terrible except that the overpriced leads you must buy draw small pulls and due to so many agents in your zip codes, you may find yourself driving 150 miles to have any leads drops at all. As a side note, you have to be ok dealing with the lowest form of prospects imaginable. Have to sling a lot of mud to make some stick.... good luck...

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  6. Helpful (3)

    "If you love Multi-Level Marketing...this is the place to be!"

    3.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Current Employee - Insurance Agent 
    Recommends
    Neutral Outlook
    Approves of CEO

    I have been working at Howe Insurance Services full-time for less than a year

    Pros

    Great positive, clean, uplifting atmosphere. Very giving people! Flexible commitment levels depending on your availability and financial status. Opportunity to team-build and earn overrides.

    Cons

    VERY low starting commission rate. LONG conference calls. Only one product line to offer clients. Need to have at least $5k to invest plus enough to live on for about 2 months if you want to go full-time right away.

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  7. Helpful (1)

    "Fantastic Company and Unparalleled leadership"

    5.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Current Employee - Insurance Agent 
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at Howe Insurance Services full-time for more than a year

    Pros

    Leadership (owners). Support staff and training. Flexibility of work. Great team atmosphere among other agents. Everyone is willing to help each other, even when it isn't their responsibility. Can earn a good income. Great coaching and training available.

    Cons

    Hard work needed to succeed (not really a con, just the truth). Initial start up costs can be tough for new agents. If you decide to join the company, it does take time to get going because of pre-licensing, and obtaining state license (nothing to do with company, just a state requirement for life insurance).

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