Sell Life Insurance

Every day hundreds of people visit Web site or call in search of sales tips on "how to sell life insurance," especially cash-value life insurance. They want to know how to convince people to buy cash-value life insurance at a time when most people are very reluctant to spend any of their hard-earned money because of the current economy. Unfortunately, when lay it all out for them, they don't want to hear it. They still want to believe there's a quicker solution that doesn't involve taking the time to read and study. They want a simple idea that will magically attract hundreds of people to them who already want, can afford and can medically qualify for cash-value life insurance. These are the same people who will spend thousands of dollars each year on Internet leads or on a sales system that makes outrageous claims, like promising overnight success while selling from home in your underwear. I hope you are not one of those people.

The vast majority of agents out there are buying Internet or mortgage leads, sending out sales letters or term flyers, cold calling, etc., to identify those people who need life insurance. Once these agents find a prospect who needs the protection for their family, business, etc., they'll jump right in and try to convince the prospect why they should consider buying cash-value life insurance. They'll tell the prospect about how much money they'll save by purchasing cash value life insurance while they are young, and the premiums are low. They talk about the merits of owning instead of renting their life insurance. They'll explain to the prospect how they'll get all of their premiums back, with interest, so they'll be able to use that money to fund a college education for their children or have more money in retirement. And, how their money will grow tax deferred and how they can access the money tax free, without any IRS penalties. They'll try to convince the prospect that they'll need the insurance in their retirement years, and that term insurance won't be there when they need it most. All of the things these agents are telling their prospects are very true and logical reasons to own cash-value life insurance; however, in the majority of cases, the agent is indeed lucky if they are able to walk out with a term insurance sale, let alone a sale for cash-value life insurance. Why?

Then, there also are the few agents who will spend much more on an advanced cash-value life insurance selling system. Their objective is to find and attract people who want to hear more about these exciting new concepts, and to set an appointment with them. So, they send out their books and free reports, and they run ads in the newspaper offering a dinner seminar. Once they set an appointment with someone who wants to know more, they'll explain how great the concept is and how much better off they'll be financially. The concepts they are presenting are terrific, and they work. And yet, most agents are lucky if they are closing 10 percent to 20 percent of the people they are meeting with. Why?

The reason both these groups of agents are struggling with selling life insurance is they are telling the prospect how great the product is and logically explaining why they should buy it. and barely more than a hamburger special. The good thing about it being 10 bucks is barely anyone will have any say on how it’s spent because 10 dollars alone doesn’t buy you to much.

Solution: It doesn’t take much to change things. Everyone is always looking for some SBA loan, or some rich person to walk out and build a community center, or maybe some corporation to sponsor your kids trip to Six Flags. Our have the power Sell Life Insurance to do this without ever worrying about the government intruding, some outside group offering thier advice and even your local do nothing know nothing politician trying to take credit for it. Our have a lot more power than you think, just stop thinking about changing the world and just change yourself.