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Torian Fields

@torianfields

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Founder of AO Heritage
Financial Services - Mentoring & Developing the next generation of leaders.
Tampa, FL

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Time flies 🤞🏾 taken in Cancún, México by @torianfields

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5 months ago

Get to know Torian Fields by @torianfields

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a year ago

AO PREMIER RETREAT 2026’

Per aspera ad astra by @torianfields

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17 days ago

Happy Father’s Day pops. Glad we could cruise the streets together this weekend🤞🏾 taken in Navarre, Florida by @torianfields

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3 months ago

Real ones never fold. Real ones never switch up. 🔒 by @torianfields

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5 months ago

Pro-truth, not anti-brokerage. Here’s 10 points that conversation is missing.

1. Persistency. If your policies are lapsing left and right, nobody’s buying that book. Buyers look at how long those policies stay on the books. Low persistency? Low value.

2. Chargeback history. If you’ve got a trail of chargebacks, that’s a liability, not an asset. A buyer is inheriting your mess.

3. You don’t actually own the carrier relationships. The carriers do. And some of them have the right to reassign or block that business entirely during a sale.

4. Most brokers never build a real book. They write a policy here, a policy there, never with a system. You can’t sell chaos.

5. Client retention. If your clients don’t even remember your name, they’re not staying after you leave. Buyers know this and they’ll discount your book hard…or pass altogether.

6. The replacement problem. You left a captive, came to a brokerage, and replaced half your old clients’ policies to get contracts. Those same clients are getting replaced again by the next agent. That cycle destroys the book’s value.

7. Valuation is based on recurring revenue, not face amount. If you’ve been writing one-time products with no renewals, there’s nothing to multiply.

8. Legal and compliance exposure. If there are any suitability issues, misrepresentations, or complaints attached to that book, the buyer is buying that liability too. Most won’t touch it.

9. You need a buyer who’s actually qualified and capitalized. Most of the people in your upline talking about buying books can’t afford to buy one. And the ones who can, are going to lowball you.

10. And this is the big one, most agents in the brokerage space will never write enough volume, with enough consistency, with enough retention, to have a book worth buying. The idea was sold to you as freedom. But freedom without structure just means you’re self-employed with no exit.

I’ll be the first to say the captive space isn’t for everybody but at but at least I know exactly what I built, what it’s worth, and what I actually signed. by @torianfields

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5 months ago

Most people don’t reach their goals because they quit when they don’t see instant results

People want the success without the hard work. Without the struggle. Without the failure. Not knowing that’s how the success is made. The moment you feel like quitting is usually the moment everything shifts

No matter the goal, the formula stays the same : discipline, vision, work. #VIRTUALSALES #girlsinsales by @torianfields

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10 months ago

This 45 second experiment changed the way I live every second of my life. by @torianfields

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6 months ago

Everyone loves the nice guy… until they need the honest one. #Sales #hiring #virtualsales #lifeinsurance by @torianfields

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6 months ago

Looks like we’re about to call your kids cause we’re not letting this one slide 🤷🏾‍♂️ #lifeinsurance #virtualsales #sales #pushmonth by @torianfields

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7 months ago

Everyone can’t go to the top with you. Keep climbing regardless 💪🏾 taken in Tampa, Florida by @torianfields

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9 months ago

Success always hits different when you’re winning with the people that show up for you each and every day 🙏🏾 by @torianfields

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5 months ago