entry level sales representative

insurance agent

financial representative

independent agent

entry level insurance agent

Heartland Retirement Group

 I recently looked into Heartland Retirement Group and was initially interested in their approach. Instead of a traditional model, they operate through a system where agents are encouraged to build a network of clients and recruit other agents. It quickly became clear that success here is less about selling quality insurance and more about getting others involved in the business.

The products themselves aren’t from well-known brands, and while the premiums are on the lower end, there’s still a strong emphasis on recruiting new agents to expand the business. The income structure relies heavily on commission tiers and bonuses tied to both individual sales and the performance of those you bring into the business. This means your earnings often depend on the sales efforts of others, which can feel unstable and unpredictable.

It feels like a setup that might work for someone who’s comfortable constantly recruiting and managing a team, but it’s challenging if your main goal is simply to sell insurance. The rewards seem to go primarily to those who focus on growing the network rather than directly serving clients.

Overall, I’d be cautious and recommend this only if you’re prepared to invest significant time into both selling and team-building. It may not be the best fit for someone seeking a straightforward career in insurance, as the layered structure makes it feel more like you’re building a business under their brand than developing a traditional career.

Great company to work for, some of the best managers in the industry. Fun, productive and motivational work environment. Support is always available from senior agents, our manager and especially from managers located at home office. I had a salary paying job, a guaranteed paycheck but decided to try something new. Taking on a commission only job was a risk but it was definitely a risk worth taking. Your opportunities are endless. Nothing comes easy. Hard work, commitment, dedication and consistency is key. If you don’t try you already failed before you started. You get what you put out. Prospecting can be difficult, but the end result and reward I get is knowing that I am able to help make a difference in someone’s life, helping them and their family. Getting compensated is great, but until you see how much of a difference you can make in someone’s life, is priceless. The grateful thank you and hugs I get from clients is well worth it. The wealth of knowledge we have at our fingertips allows us to share that with everyone we meet, making Medicare transitions, retirement and insurance planning a smooth and easy process. I love my job and I love working for this company. 

In all honestly in this business we get out of it what you put into it.  If you make a commitment to yourself and to your future you will grow and learn so much and you will make a great income. Give your self an opportunity to do things for a short time that others are not willing to do and you will be able to enjoy the things others can not.  Management will help you anytime you need it but knowledge and help is sought . You cannot come in and just expect to know it all or for everyone to drop everything to make you money , you have to invest in yourself, your time. Too many people today are not willing to invest in themselves and then want to blame everyone else for their failure.  This is not a one day only show up and success.  That would be like a doctor being a doctor without going to medical school. Or a lawyer with no law degree or bar exam.  Invest in you and see where that gets you.  

My time at Heartland has been nothing short of phenomenal. As some others have noted it can be challenging starting out but once you get the hang of everything I couldn’t imagine doing anything else. No limit on what you can make, a great work environment, great work/life balance, and all while I genuinely enjoy what I’m doing helping people. If you put in the work in the beginning it becomes much easier and much more rewarding (both as you get better and can help people in more ways and in more compensation). Being able to represent over 150 different companies with great comp rates ensures that clients are in the best situation possible while also taking care of the agents hard work.

Working for HRG has been one of the best decisions of my life! Our office culture is like none other. We have FUN and truly care about each other. And we get to help people too! And the absolute best part, no one can tell you how much money you can make....UNLIMITED EARNING POTENTIAL! Of course, it takes hard work- but the systems and training HRG provides makes it SO simple. If you're looking for a place to truly build your business, I highly recommend coming to see what HRG is all about. 

This job isn't for everyone and it takes someone with a go getter mindset. I really enjoyed the people I worked with and they truly wanted to help me succeed but at the end of the day, sales wasn't for me. From my initial interview to the time I left, they were very transparent on what the job entailed and what was expected of me. I am sure I will use the skills I learned while being there for the remainder of life!

I came from Corporate America with salary/benefits.  This career is rewarding with opportunities to grow.  The work is challenging and very rewarding. 

Over 150 companies to partner with and great leadership from the organization.  Training is the best part as they are continuing to push you to grow.

I started in this career after 10 years of teaching high school.  Was scared about going from Salary to commission.  Found out quickly that if I put in the same amount of work I was in teaching, then I'd be successful.  Doubled my teaching salary in just over 1 year with HRG.  Definitely has a family feel when it comes to work environment.  Everyone works to help each other out.

If you want to make a difference in the lives of the retirement community and be willing to build a life of freedom this work is for you. 

This is a career that will lead you to fullfill your dreams. 

Our manager is a great leader who helps us not only build our career but be successful in life. 

It was a great place to work and everyone is there to help. They were upfront on what was required about the job in the initial interview and it's definitely a tough job 
 and can be very rewarding, but I had to relocate to a location where they didn't have an agency, so I had to leave. 

Top Job Titles	Average Salary
Entry level sales representative 27 salaries reported	$81,268 per year
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Financial representative 2 salaries reported	$81,279 per year
Independent agent 4 salaries reported	$62,500 per year
Entry level insurance agent 1 salary reported	$85,000 per year

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