Author Topic: How about selling life insurance?  (Read 1606 times)

DeniseNJ

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How about selling life insurance?
« on: January 15, 2025, 06:58:31 AM »
Is this a good side hustle or even lucrative full time gig?

I follow MJ Harris on instragram who made his initial fortune selling life insurance--not what his account is about--and he now has a company that recruits sellers, and trains them, etc.  I'm not asking about his thing in particular, although if anybody has any experience with it I'd love to hear about it.

The way he tells it, making just a few sales would make getting the license worth the time and expense.  He says you usually make the equivalent of a years premium on the sale, so a 50 bucks a month policy will earn you 600 in commission for a couple hours work.

Asking for my adult children I have failed to launch. :(

TimCFJ40

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Re: How about selling life insurance?
« Reply #1 on: January 15, 2025, 07:11:44 AM »
What kind of Life insurance?
Whole life insurance is a poor product IMO, but also has the most "salespeople" because it has the most commission/profit in it for the seller at the expense of the consumer.  It costs a lot more than term, and the return on investment for the "cash value" portion is terrible. (gotta pay those commissions from somewhere).  It's also likely that the expectation is your first customer would be personal contacts such as friends and family as you build out your book of business.  I'd personally have an ethical issue selling a product that is such a poor product for my customer, doubly so if the first customers are friends and family. 

Term life insurance is a reasonable product, but conversely doesn't incentivize sales as much. 

Personally, sales is a fine profession to get into, and can be very rewarding both career and monetarily in the right industry.  But selling a product that you don't believe in/isn't the best choice for your customer isn't the way.  If one of your children wants to get into sales that's great, but selling life insurance as a default isn't the way to a fulfilling career. 


« Last Edit: January 15, 2025, 07:13:18 AM by TimCFJ40 »

wageslave23

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Re: How about selling life insurance?
« Reply #2 on: January 15, 2025, 07:33:01 AM »
Yeah don't sell your soul to make a buck. Find a company that is selling a useful product. Tech sales and medical sales are where the money is at anyways.  Most people I know in those industries are making 200k-300k.

use2betrix

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Re: How about selling life insurance?
« Reply #3 on: January 15, 2025, 07:36:54 AM »
Yeah don't sell your soul to make a buck. Find a company that is selling a useful product. Tech sales and medical sales are where the money is at anyways.  Most people I know in those industries are making 200k-300k.

I wouldn’t consider selling term life insurance to be “selling your soul.” For many people, it’s a very viable safety net. My wife has sacrificed a career to support me, and to now raise our two children. We started dating when she was 18 (now 31). While our net worth is now near a point that she could probably FIRE with her frugalness if I passed away, still, the nominal amount we pay for my $1MM term life insurance policy seems very well worth it.

I could never be in sales for something I didn’t truly believe in, but I think someone could sell term life insurance in good faith.

DeniseNJ

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Re: How about selling life insurance?
« Reply #4 on: January 15, 2025, 07:38:21 AM »
The way MJ Harris tells it, you get "leads," ppl who have called to inquire about life insurance, you provide information, go over their situation, sign them up in the computer system, and get paid. You also just let ppl know you sell insurance, rather than try to actively "sell" to friends and family.

I'm sure it's not as simple or easy as above, but it seems like a few sales a month would be a nice side hustle.  At least until my grown kids can figure out what the heck they are going to do with their lives.  Or I can get them married off.

DeniseNJ

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Re: How about selling life insurance?
« Reply #5 on: January 15, 2025, 07:42:07 AM »
Yeah don't sell your soul to make a buck. Find a company that is selling a useful product. Tech sales and medical sales are where the money is at anyways.  Most people I know in those industries are making 200k-300k.

I wouldn’t consider selling term life insurance to be “selling your soul.” For many people, it’s a very viable safety net. My wife has sacrificed a career to support me, and to now raise our two children. We started dating when she was 18 (now 31). While our net worth is now near a point that she could probably FIRE with her frugalness if I passed away, still, the nominal amount we pay for my $1MM term life insurance policy seems very well worth it.

I could never be in sales for something I didn’t truly believe in, but I think someone could sell term life insurance in good faith.

I totally agree.  If ppl call bc they need insurance, you could educate them and sell them a good product for them, and make your commission.  You may not make as much as some sales ppl, but you may actually get a reputation for being a scrupulous salesperson and make a decent living.  Plus my kids are not go-getters--hence their mom is looking for a job for them.  The best they could do is provide information rather than actually make an effort to convince anyone to do anything.

wageslave23

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Re: How about selling life insurance?
« Reply #6 on: January 15, 2025, 07:42:49 AM »
Yeah don't sell your soul to make a buck. Find a company that is selling a useful product. Tech sales and medical sales are where the money is at anyways.  Most people I know in those industries are making 200k-300k.

I wouldn’t consider selling term life insurance to be “selling your soul.” For many people, it’s a very viable safety net. My wife has sacrificed a career to support me, and to now raise our two children. We started dating when she was 18 (now 31). While our net worth is now near a point that she could probably FIRE with her frugalness if I passed away, still, the nominal amount we pay for my $1MM term life insurance policy seems very well worth it.

I could never be in sales for something I didn’t truly believe in, but I think someone could sell term life insurance in good faith.

You are pressured to upsell to whole life because that's where the commissions are. I don't think you could make it as an agent who refused to upsell based on principles. At least that's what the two people who I know who tried it have said.

Bartlebooth

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Re: How about selling life insurance?
« Reply #7 on: January 15, 2025, 08:32:36 AM »
Yeah don't sell your soul to make a buck. Find a company that is selling a useful product. Tech sales and medical sales are where the money is at anyways.  Most people I know in those industries are making 200k-300k.

I wouldn’t consider selling term life insurance to be “selling your soul.” For many people, it’s a very viable safety net. My wife has sacrificed a career to support me, and to now raise our two children. We started dating when she was 18 (now 31). While our net worth is now near a point that she could probably FIRE with her frugalness if I passed away, still, the nominal amount we pay for my $1MM term life insurance policy seems very well worth it.

I could never be in sales for something I didn’t truly believe in, but I think someone could sell term life insurance in good faith.

I totally agree.  If ppl call bc they need insurance, you could educate them and sell them a good product for them, and make your commission.  You may not make as much as some sales ppl, but you may actually get a reputation for being a scrupulous salesperson and make a decent living.  Plus my kids are not go-getters--hence their mom is looking for a job for them.  The best they could do is provide information rather than actually make an effort to convince anyone to do anything.

There are many better..."places of median income potential" let's say...that you could try and stick unlaunched kids into.  Personal growth in an environment full of commission-chasing hucksters is likely to be limited.

Like coolworks.com or something like that has so many more interesting options that will put you around a solid variety of people.

Edit: I'll admit I looked back a little to see what is up with these failed-to-launch kids.  Nothing much was found but I am dying to know!  Maybe we can suggest the perfect income opportunity.  It's totally OK if you don't share though.
« Last Edit: January 15, 2025, 08:47:33 AM by Bartlebooth »

DeniseNJ

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Re: How about selling life insurance?
« Reply #8 on: January 15, 2025, 09:21:32 AM »
Yeah don't sell your soul to make a buck. Find a company that is selling a useful product. Tech sales and medical sales are where the money is at anyways.  Most people I know in those industries are making 200k-300k.

I wouldn’t consider selling term life insurance to be “selling your soul.” For many people, it’s a very viable safety net. My wife has sacrificed a career to support me, and to now raise our two children. We started dating when she was 18 (now 31). While our net worth is now near a point that she could probably FIRE with her frugalness if I passed away, still, the nominal amount we pay for my $1MM term life insurance policy seems very well worth it.

I could never be in sales for something I didn’t truly believe in, but I think someone could sell term life insurance in good faith.

I totally agree.  If ppl call bc they need insurance, you could educate them and sell them a good product for them, and make your commission.  You may not make as much as some sales ppl, but you may actually get a reputation for being a scrupulous salesperson and make a decent living.  Plus my kids are not go-getters--hence their mom is looking for a job for them.  The best they could do is provide information rather than actually make an effort to convince anyone to do anything.

There are many better..."places of median income potential" let's say...that you could try and stick unlaunched kids into.  Personal growth in an environment full of commission-chasing hucksters is likely to be limited.

Like coolworks.com or something like that has so many more interesting options that will put you around a solid variety of people.

Edit: I'll admit I looked back a little to see what is up with these failed-to-launch kids.  Nothing much was found but I am dying to know!  Maybe we can suggest the perfect income opportunity.  It's totally OK if you don't share though.

They got issues.  --Edited--

But they are also both extremely intelligent, funny, sweet, and kind and just really nice to be around.  I might just walk them over to the local super market and get them stocking shelves.
« Last Edit: January 16, 2025, 04:39:25 AM by DeniseNJ »

use2betrix

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Re: How about selling life insurance?
« Reply #9 on: January 15, 2025, 11:04:01 AM »
Yeah don't sell your soul to make a buck. Find a company that is selling a useful product. Tech sales and medical sales are where the money is at anyways.  Most people I know in those industries are making 200k-300k.

I wouldn’t consider selling term life insurance to be “selling your soul.” For many people, it’s a very viable safety net. My wife has sacrificed a career to support me, and to now raise our two children. We started dating when she was 18 (now 31). While our net worth is now near a point that she could probably FIRE with her frugalness if I passed away, still, the nominal amount we pay for my $1MM term life insurance policy seems very well worth it.

I could never be in sales for something I didn’t truly believe in, but I think someone could sell term life insurance in good faith.

You are pressured to upsell to whole life because that's where the commissions are. I don't think you could make it as an agent who refused to upsell based on principles. At least that's what the two people who I know who tried it have said.

If someone worked for a company that pressured them to make those suggestions they didn’t agree with to potential customers, then I’d totally agree. Not every company is like that, though. I received no pressure when purchasing the term life insurance policies for myself or my wife.

One sales position I would have a really hard time for is certain real estate or auto sales positions. Mostly in terms of the financing portions of the whole thing. I don’t think I could, in my conscience, put people in cars/houses that are clearly way out of their income/credit league and know they are going to get hammered and be at risk because of it.

TimCFJ40

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Re: How about selling life insurance?
« Reply #10 on: January 15, 2025, 11:13:51 AM »
Yeah don't sell your soul to make a buck. Find a company that is selling a useful product. Tech sales and medical sales are where the money is at anyways.  Most people I know in those industries are making 200k-300k.

I wouldn’t consider selling term life insurance to be “selling your soul.” For many people, it’s a very viable safety net. My wife has sacrificed a career to support me, and to now raise our two children. We started dating when she was 18 (now 31). While our net worth is now near a point that she could probably FIRE with her frugalness if I passed away, still, the nominal amount we pay for my $1MM term life insurance policy seems very well worth it.

I could never be in sales for something I didn’t truly believe in, but I think someone could sell term life insurance in good faith.

I totally agree.  If ppl call bc they need insurance, you could educate them and sell them a good product for them, and make your commission.  You may not make as much as some sales ppl, but you may actually get a reputation for being a scrupulous salesperson and make a decent living.  Plus my kids are not go-getters--hence their mom is looking for a job for them.  The best they could do is provide information rather than actually make an effort to convince anyone to do anything.

There are many better..."places of median income potential" let's say...that you could try and stick unlaunched kids into.  Personal growth in an environment full of commission-chasing hucksters is likely to be limited.

Like coolworks.com or something like that has so many more interesting options that will put you around a solid variety of people.

Edit: I'll admit I looked back a little to see what is up with these failed-to-launch kids.  Nothing much was found but I am dying to know!  Maybe we can suggest the perfect income opportunity.  It's totally OK if you don't share though.

They got issues.  The older, 25, cis-het male, has OCD, depression, anxiety, ADHD, and Asperger's (autism spectrum disorder now), as well as peanut allergy.  The younger, 22 non-binary, gay, has anxiety, panic attacks, depression, suspected ADHD, as well as peanut allergy and type 1 diabetes. The physical health issues affect the mental health too. The lgbt+ may be an added life stress or not. Both live at home, are/were taking college classes one or two at a time with lots of breaks, want to drop out, and have zero life skills.  Neither has ever worked a day in their live.  Both are under psychiatric care, medications, etc.

I make them sound like bums, but they are also both extremely intelligent, funny, sweet, and kind and just really nice to be around.  The older has an interest in science.  The younger is super artsy.  They just find it hard to actually do anything.  I'm feeling pretty hopeless.  Just trying to find anything they could actually do.  I might just walk them over to the local super market and get them stocking shelves.
IMO they'd get way more out of stocking grocery shelves, bussing tables, or any sort of other actual work outside the home.  Those jobs usually have some growth potential, or at least expose them to other people in work situations.  There are so many jobs that require fairly low skills that are looking for people that can just show up and not be on drugs every day. 

The other thing is I can think of no worse place for people with motivation issues like you described than 100% commission sales.  The only people that succeed in 100% commission sales are usually the opposite of unmotivated. 

« Last Edit: January 15, 2025, 11:18:09 AM by TimCFJ40 »

AuspiciousEight

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Re: How about selling life insurance?
« Reply #11 on: January 15, 2025, 11:26:32 AM »
Yeah don't sell your soul to make a buck. Find a company that is selling a useful product. Tech sales and medical sales are where the money is at anyways.  Most people I know in those industries are making 200k-300k.

I wouldn’t consider selling term life insurance to be “selling your soul.” For many people, it’s a very viable safety net. My wife has sacrificed a career to support me, and to now raise our two children. We started dating when she was 18 (now 31). While our net worth is now near a point that she could probably FIRE with her frugalness if I passed away, still, the nominal amount we pay for my $1MM term life insurance policy seems very well worth it.

I could never be in sales for something I didn’t truly believe in, but I think someone could sell term life insurance in good faith.

I totally agree.  If ppl call bc they need insurance, you could educate them and sell them a good product for them, and make your commission.  You may not make as much as some sales ppl, but you may actually get a reputation for being a scrupulous salesperson and make a decent living.  Plus my kids are not go-getters--hence their mom is looking for a job for them.  The best they could do is provide information rather than actually make an effort to convince anyone to do anything.

There are many better..."places of median income potential" let's say...that you could try and stick unlaunched kids into.  Personal growth in an environment full of commission-chasing hucksters is likely to be limited.

Like coolworks.com or something like that has so many more interesting options that will put you around a solid variety of people.

Edit: I'll admit I looked back a little to see what is up with these failed-to-launch kids.  Nothing much was found but I am dying to know!  Maybe we can suggest the perfect income opportunity.  It's totally OK if you don't share though.

They got issues.  The older, 25, cis-het male, has OCD, depression, anxiety, ADHD, and Asperger's (autism spectrum disorder now), as well as peanut allergy.  The younger, 22 non-binary, gay, has anxiety, panic attacks, depression, suspected ADHD, as well as peanut allergy and type 1 diabetes. The physical health issues affect the mental health too. The lgbt+ may be an added life stress or not. Both live at home, are/were taking college classes one or two at a time with lots of breaks, want to drop out, and have zero life skills.  Neither has ever worked a day in their live.  Both are under psychiatric care, medications, etc.

I make them sound like bums, but they are also both extremely intelligent, funny, sweet, and kind and just really nice to be around.  The older has an interest in science.  The younger is super artsy.  They just find it hard to actually do anything.  I'm feeling pretty hopeless.  Just trying to find anything they could actually do.  I might just walk them over to the local super market and get them stocking shelves.

I would not have them take a commission based sales job.

If I were in your shoes I would look for jobs that are low stress, hourly or salary, work from home, where they don't have to interact with people much. Something like a basic factory job or grocery store.

If they have interests or hobbies outside of work this might be useful to help guide what sorts of jobs they might find or be interested in getting trained in. 

DeniseNJ

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Re: How about selling life insurance?
« Reply #12 on: January 15, 2025, 11:47:55 AM »
Quote
IMO they'd get way more out of stocking grocery shelves, bussing tables, or any sort of other actual work outside the home.  Those jobs usually have some growth potential, or at least expose them to other people in work situations.  There are so many jobs that require fairly low skills that are looking for people that can just show up and not be on drugs every day.

The other thing is I can think of no worse place for people with motivation issues like you described than 100% commission sales.  The only people that succeed in 100% commission sales are usually the opposite of unmotivated.

I agree except my younger especially has problems showing up.  They may have the best intensions and even really want to go to something, then have a panic attack and can't leave the house.  Something you can do when you feel like it might be better for them.  As for my son, he does show up and would do better having to be someplace than having to motivate himself to make money.

I really just want them to do something, anything.  ETA--Also, my 22 yr old does not drive.  Ugh.
« Last Edit: January 15, 2025, 11:50:55 AM by DeniseNJ »

wageslave23

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Re: How about selling life insurance?
« Reply #13 on: January 15, 2025, 12:24:26 PM »
Quote
IMO they'd get way more out of stocking grocery shelves, bussing tables, or any sort of other actual work outside the home.  Those jobs usually have some growth potential, or at least expose them to other people in work situations.  There are so many jobs that require fairly low skills that are looking for people that can just show up and not be on drugs every day.

The other thing is I can think of no worse place for people with motivation issues like you described than 100% commission sales.  The only people that succeed in 100% commission sales are usually the opposite of unmotivated.

I agree except my younger especially has problems showing up.  They may have the best intensions and even really want to go to something, then have a panic attack and can't leave the house.  Something you can do when you feel like it might be better for them.  As for my son, he does show up and would do better having to be someplace than having to motivate himself to make money.

I really just want them to do something, anything.  ETA--Also, my 22 yr old does not drive.  Ugh.

I had anxiety and depression issues during and after college.
 What really helped me was my parents making it less desirable to live at home. Ie, I had to shop and pay for my own groceries, cook my own food, and the kicker that eventually lit a fire under me to move out was paying rent.  Once you are fending for yourself, sometimes it helps the mental health issues because you don't really have time to sit around and dwell on internal issues. Plus it guves you confidence to tackle bigger and bigger tasks.

Loren Ver

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Re: How about selling life insurance?
« Reply #14 on: January 15, 2025, 01:48:37 PM »
I believe the states all require a person to pass a state administered exam to sell life insurance.  When my dad went to sell life insurance he studied for a really long time.  It was cool to see my adult and professional dad that had been in the AirForce studying for a big test.  If actually helped grade school me learn the importance of taking tests seriously.

But, for you and your kiddos.  Big important multihour licensing test might not be a great selling point.  People say it is a HARD exam too, so take it for what you will.  It covers a lot of topics!  Much studying will  be needed. 

Then the sales, you (they) need to do the foot work, or link with a company that does this.  You(they) can't just do nothing.  If they work for Insurance company x, then company x will want so much work to be done and some many polices created.  Following up with people on the docket.  Etc etc. 

Unless you (they) start their own company or companies....

Or, don't do this, sales is really hard unless you like sales. 

I have artsy friends that sell handy crafts and arts at conventions in all the surrounding cities.  They spend the off time making stuff and the on time maintaining the booth.  Everything to jewelry to prints.  It isn't a big money maker, but they are running their two little businesses.  But they do it on their schedule, when their medical conditionals allow (depression, migraines, seizures, anxiety).   

Or it could be finding things that have low barriers of entry, that are willing to work with them.  Good chance it will be different for each kid, and that's okay.  One might end up doing some computer design and the other driving a school bus.  Nothing wrong with that.

Loren

DeniseNJ

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Re: How about selling life insurance?
« Reply #15 on: January 16, 2025, 04:34:44 AM »
Quote
But, for you and your kiddos.  Big important multihour licensing test might not be a great selling point.  People say it is a HARD exam too, so take it for what you will.  It covers a lot of topics!  Much studying will  be needed.

Oh god, you're right!  While my older child scored over 90th percentile on the ACT without even studying, my youngest lasted less than half an hour with the SAT before they had a panic attack and I had to go pick them up.  Ugh, so much for that idea.

They are both so bright and funny and sweet but these mental health issues are kicking our butts.

Thanks to all for your insight.

elaine amj

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Re: How about selling life insurance?
« Reply #16 on: January 16, 2025, 06:29:59 AM »
Are you talking about my child? I’ve had the same issues too.

We did talk seriously about his getting into real estate investing. He was very interested. But ultimately did not put enough work into researching it and I refused to move further until he did some legwork. He ended up finding a job he likes and now has no time to pursue that idea.

It’s rather entry level but pays ok, he likes it, and the people are good. We hope there is room for advancement in time. In the meantime, he is in a place where the owners can get to know him well and perhaps mentor him. He is a hard worker who shows up and I think this small company environment is just what he needs. Meanwhile, it is SO good to see him go off to work each day rather than sit around playing video games for 6+ months. He feels better about himself too as he was getting frustrated and discouraged.

He never even knew this type of job existed (electric vehicle testing). But after leaving him to his own attempts at job hunting for 5 months, I finally stepped in and sat with him for hours every day. I came across this listing on indeed and as I do, clicked on a job title even though I didn’t know what it meant. He was excited when I showed him the job description, especially when he had all the qualifications for it. So we worked hard on his application and when the manager was slow to get back to him after the interview, I encouraged him to keep pursuing them and they eventually gave him the job because of his persistence.

We talked a lot about sales jobs too as he liked the idea. But like other posters warned, I worried about motivation and his lack of hustle.

Anyway back to the topic. My mother was a very successful insurance agent (in a different country though) and made a very, very good living from it. The residual income over the years was very lucrative.

She’s a highly ethical person and would never countenance overselling. Instead, she is passionate about helping people and insurance was her way to do so. She really wanted me to skip college and join her business but I couldn’t get passionate about insurance so declined and she eventually passed her business to her sister.

You do need to hustle though. I remember my mother would take it easy for a few months and then the deadline to earn a trip/win an award would loom nearer and the she would hustle hard to make her numbers.

I hope things work out for your kids. This whole thing with launching young adults is so hard. Especially when they struggle in the beginning.


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TimCFJ40

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Re: How about selling life insurance?
« Reply #17 on: January 16, 2025, 08:07:57 AM »
I had anxiety and depression issues during and after college.
 What really helped me was my parents making it less desirable to live at home. Ie, I had to shop and pay for my own groceries, cook my own food, and the kicker that eventually lit a fire under me to move out was paying rent.  Once you are fending for yourself, sometimes it helps the mental health issues because you don't really have time to sit around and dwell on internal issues. Plus it gives you confidence to tackle bigger and bigger tasks.
There's nothing more counter to the way we're built than staying in and doing nothing productive.  We're made to get out in the world and create, explore, build, hunt, gather.  I've seen so many people derailed by the easy comfort of staying home and playing video games/watching TV/etc.  Then they're overtaken with angst, depression, etc and don't know why.  It's the same for kids failing to launch as it is for early retirees that don't have a plan for what they're going to do with themselves. 

DeniseNJ

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Re: How about selling life insurance?
« Reply #18 on: January 16, 2025, 08:34:29 AM »
Are you talking about my child? I’ve had the same issues too. . .

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Thank you so much!  I appreciate knowing I'm not alone.  It's so hard when seemingly capable smart grown people can't make themselves a meal.  They seem like they should be able to, but when you have depression and can't get out of bed, or have a panic attack when you try to boil water, or get stuck in the doorway because of your OCD, you just struggle to even put something in the microwave, even though you seem like a smart capable person.  Thanks.

elaine amj

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Re: How about selling life insurance?
« Reply #19 on: January 16, 2025, 10:34:33 PM »
((Hugs)) your DD’s major medical issues sure make things a whole lot tougher for her.


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AuspiciousEight

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Re: How about selling life insurance?
« Reply #20 on: January 17, 2025, 04:24:53 AM »
Major depressive disorder can also be a serious disease that a lot of people don't fully understand....

It isn't always because someone just isn't in their natural habitat, or they play too much video games. It can be a seriously debilitating disease that makes a person chronically exhausted, perpetually in a poor mood, cognitive problems, memory issues, depression headaches and physiological pain, etc. Some depressed people will literally just sit in bed crying all day, and have no real reason why. They can't do anything else because they don't have the energy to do so. They can't simply think happy thoughts or go to therapy and talk about their feelings and expect the depression to be resolved.

Depression is just a collection of symptoms though....There are a lot of underlying issues and things that could cause depression, including underlying medical issues. It isn't always just because someone experienced psychological trauma.

There are a lot of things that are correlated with being helpful for those with depression depending on what the underlying cause of the depression is. Some things can be more helpful than other things based on the individual. A few things off the top of my head.

-Talk therapy
-Therapy lights / lamps
-Cardiovascular exercise (including something as simple as slowly walking outside).
-Eating a whole foods anti-inflammatory diet (Look up MIND diet)
-Limiting sugar / sugary drinks / and processed foods.
-Positive IRL social connections (which is especially challenging for someone with depression)
-Fish oil
-St johns wort
-Creatine
-L-tryptofan (Although the scientific data here is not very strong)
-A good multivitamin (especially one that has a lot of B vitamins)
-Having consistent wake up and bed times, and good sleep hygiene(Sleeping in a cool but not too cold, dark, quiet room)
-Getting outside during the day and having sunlight on the retina - specifically shortly after the sun comes up and before sunset. The mechanism is similar to the therapy lamps
-Preparing for bedtime (Specifically not eating or drinking anything but water several hours before bedtime, not exercising before bedtime, not engaging in anything stressful several hours before bedtime, and not staring at computer screens).

Cortisol and melatonin compete with each other in the brain, so too much stress before bedtime can make it harder to sleep. Similarly having a lower body temperature is another indicator the body looks to to help sleep, so exercising before bedtime is a horrible idea.

-And of course the normal antidepressants are a miracle for some people.

*Hugs*

Best of luck. Maybe if the older two are not depressed they will be more motivated to work. :)

Metalcat

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Re: How about selling life insurance?
« Reply #21 on: January 17, 2025, 06:11:04 AM »
Unfortunately, in that kind of sales, "a few sales a month" isn't an easy thing to achieve. ANY sales a month can be extremely challenging.

Insurance sales has an extremely bimodal distribution of people who do well and people who never sell much of anything, similar to financial advisors, and a lot of sales where the general public are your targets.

If your kids don't have strong natural sales skills, then I probably wouldn't encourage this path.

Have they had any kind of assessments or career counselling?

As someone with severe disabilities, I know from experience that it's critical to figure out what your skills and aptitudes are, what you can and cannot tolerate, and what kind of accommodations you need to be able to thrive.

Just Joe

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Re: How about selling life insurance?
« Reply #22 on: January 17, 2025, 09:22:34 AM »
Are you talking about my child? I’ve had the same issues too. . .

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Thank you so much!  I appreciate knowing I'm not alone.  It's so hard when seemingly capable smart grown people can't make themselves a meal.  They seem like they should be able to, but when you have depression and can't get out of bed, or have a panic attack when you try to boil water, or get stuck in the doorway because of your OCD, you just struggle to even put something in the microwave, even though you seem like a smart capable person.  Thanks.

I'm pulling for you and your kids @DeniseNJ. We sent one off to university last fall. So far so good. The older one resembles your kids. ADHD is a factor along with anxiety. This situation is looking better too. That one is working part time now. Not an office worker - feels better working physically active jobs. 

 

Wow, a phone plan for fifteen bucks!