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Can anybody share an outbound cold calling life insurance telesales script 
Can anybody share an outbound cold calling life insurance telesales script

Captive agent to broker renewals 
Being a captive agent on salary with 1/3 of the renewal standards, would changing to a broker change your renewals to standard broker pay or would they …

As an insurance company, how can we get brokers to sell our insurance policies and choose our company as the preferred partner? How can we attract them 
As an insurance company, how can we get brokers to sell our insurance policies and choose us as their preferred partner over our competitors?

I am working with Max Life Insurance, how can I get Cessation certificate from Max Life Insurance, because I want join LIC?

Please I wanted to know some of the sensitive questions to ask a client that will stimulate their mode to attend to you.

i want to ask questions before going with company, what should I ask  
I have interview for Life insurance sales job. What should I ask them.

How to calculate future required amount for retirement  
I would like to know how to calculate future required amount after 20years, current living cost.

earn commisions 
can legally a insurance company withhold my earn money, because I stop producing for 3 months???

Best task management system 
Hello, Life insurance administration skills; keeping on moving LI applications along, client appointments, lapses, yearly reviews, client request: policy …

Exploitation of agents  
I joined insurence industry thru maxlife in oct 17 . As a process i got to know exploitions. We are gathered we pay we write exam we give time effort …

I am so confused with insurance. If you have a CSR working in an agency and they are not affiliated/appointed by the agency, can they write new business …

Looking for prospective clients for life and health best methods  
I am back in the insurance business havent done it in a long time. I want to build up my cliental again with health and life

Selling Life Insurance for Retirement and Estate Planning. 
There is lots of information about IUL (Indexed Universal Life Insurance) used to Supplement Retirement Income Tax-Free or Replace or substitute a 401K …

Prospecting - who do I call? 
Hello, Recently, my boss said, "you need to start making phone calls every day for an hour". I have had my Life, Accident, and Health license since …

Anybody have any experience with the Guaranteed Issue Life policy from National Congress of employers, NCE? 
National Congress of Employers, Guaranteed issue Life policy. Anyone have any experience with this company? (NCE)

Application Letter 
I am a Insurance Agent in a General Insurance Company.I got NOC from the company where I was working.But now I am going to join in other Insurance Company.I …

HIV Antibody Test Requirement 
morchelle@yahoo.com I submitted & paid for a VUL application for a 51-yr-old male client. (P500T coverage and P500T CI) Client is in good health and …

Commission Payments 
I have been working for the same independent agent for over 20 years. I currently earn 40% commission on all business I write as well as on renewals. …

Is being a contractor/broker with no benefits the average set up at an independent agency? 
I would be provided errors and omissions ins and given access to the companies. It's up to me to get licensed, and then I'll be trained. However, each …

close sale 
Its my 3rd year as insurance agent. I have a problem to close sales.

P&C new captive agent 
Do you have a sister site or area related to property and casualty agents?

Ideas for New Insurance Agent 
I am a new insurance agent. I wish I could have some ideas on how should I start. Thanks.

My leader is not support us 
Dear All I'am an insurance agent, and I have a number of of achievements, but now I don't have any passion to do, cause I feel so tired of facing my …

Becoming insurance agent 
I am interested to enter insurance field, and am planning to start with one life insurance product and a health insurance product as well. Is it possible? …

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Making prospect calls 
What are the best times of day (and days) to maximize efficiency when setting appointments?

No Objection Certificate of an Agent from an Insurance Company 
If an Insurance company denies to give NOC how can I get it by law. I had taken agency 5 years back.6 month back I clear IRDA exam but licence was not …

Investment Linked Policy as education fund 
Is there a good concept to position an investment linked policy as an education fund? How can I overcome the objection on market volatility?

What's your take on the issues below? 
Hi Ted. I must appreciate you for your posts, it has indeed been insightful. Before now I rarely ask for lead but from you, I have seen that I' ve been …

Corporate Sales 
I am a personal lines P&C guy wanting to transition into more life sales. I am thinking about marketing Buy/Sell life insurance and Executive Bonus Plans …

Commercial P&C insurance agent commissions 
Please describe this example of a Commercial P&C agent compensation: Year 1 $35,000 plus 10% commission / new business Year 2 $25,000 plus …

Hi Alex is my name pliz can u help me to create right questioner for my Prospects . 
Hi; I am a life agent in Uganda I appreciate the good work you are doing. Pliz help me to have right questions at inception to my Prospects for better …

Is there a list of newly lic agents ? 
I am only trying to recruit a very small number of agents to sell medicare supplements over the phone providing leads ,software and traning,so do some …

Tele-sales and e-apps.  
How do I transfer your one on one, face to face selling methods to a telesales program. Can the inverted triangle still be used vs.the idea that the client …

Public Marriage Records  
Once I obtain the records how can I get in touch with the people because there are no phone numbers or addresses.

Insurance license  
What questions are asked on the health insurance license application? Thanks.J

Do I lose my residual when I become captive with another company? 
Will I lose my residual income if I start working as a captive agent for another company?

Referral Cards. Where can I purchase them? 
Where can I purchase referral cards???

The card referral system, how to get the postal address 
Hi Ted, Thanks for all the great material you keep producing. I just bought your prospect or die ebook today and I've started reading it and a very …

how can ask questions properly to my prospect 
just i want to learn, how can ask the right question at right time in up front of my prospect?

Fact Finding Sheet 
Hi My name is Elijah Murray,And I would like to know if you have Fact Finding Sheet with all of the up front questions on that sheet?If so could you send …

Training Program 
Please help me create a training program for pre-contract agents, to fourth year agents.

I am entering into a talent acquisition position that will require not only reaching out to candidates that are new to the business but also passive candidates …

What part of insurance part is best to start selling as a new agent  
I want to sell insurance,but I want to know what to start selling first and what company to sell for in florida? Thank you.

How to bounce back 
Hi Ted - Ron, My name is Tar. I have been in Insurance for few years. My bigger problem is I am deaf in my right ear and I am losing my hearing. …

Specialize in one area?or know it all? 
Hi Ted Can an agent be successful today by specializing in selling life insurance only?or must the agent be versed in all of the many products available …

Prospecting 24/7? 
Hi Ted Ron again, and thanks for your quick answer on my previous question. I defenitley understand the concept of prospecting, but what are the …

New Career 
Ted,Hi Just wanted your thoughts on if Im too old to start a new career in Insurance sales? I'll be 50 in November and not currently happy with what …

Is that a good idea sending product information thru email?

Idea's for a daily action plan? 
My name is Cameron, I am new to the business and only 21 years old. I have built up a pretty big network in my community through coaching at the high school, …

Agent Activation 
I am a business development manager in life insurance a life insurance company in India. I want to activate my team with growth each month. What should …

Please guide me 
I want to be an insurance agent I am not much educated lives in pakistan

WebPrez Insurance and Annuity Sales Videos 
After reading several of your articles on Sales Communication, I wondered if you were familiar with the WebPrez Insurance and Annuity sales videos. They …

Linkedin Approach 
Hello Ted, happy holidays :) I need your help for few matters. I started using Linkedin as a way of getting new prospects, i started writing them an …

How to approach new prospects 
I am a brand new insurance agent. I have a lengthy list of prospects but I am worried that I will not choose the right words in order for them to agree …

How to set an appointments for newly weds 
Hi, I'm an insurance agent and also looking to recruit. I have a list of names and numbers for over 1000 newly weds to call. I need to know what to say …

What does Money Mail mean and what are some good prospecting ideas? 
In your website, you talk about money mail. can you tell me what that means and can you share some more prospecting ideas with me? Thank you so much …

Intrim Consulting fee vs commission till client buys.  
Dear Ted, hope your day is well. I'm one of your e-newsletter subscribers and have been enjoying from your great insights. I'm a financial consultant …

Commission on renewals after I leave working for an ins company 
If I am making a commission on policies that renew automatically and decide to leave the agency for whom I am working what is the industry standard ... …

Getting into the business 
Thank you Ted, I have my life and health license, as well as my property and casualty license for Ohio. I am looking at becoming a captive agent but …

door to door prospecting 
hi ted, im a new agent and would like to ask you a question.how do you feel about breaking the ice at the door? do you prefer the scenario of small talk …

Captive or Independent? 
I've recently been presented with two opportunites: Insurance Producer for Agent Part Time Salary $1200 per month 15% Comm. on Term %25 Comm. on …

Beginning Income Potential 
I am of middle age and thinking of becoming a Life Insurance Sales Agent. I will be coming from a regular paying position to commissions only. How soon …

Prospecting Newlyweds and Recent Child births 
Hello, Im a new agent just getting started. I want to start out on my prospecting by trying to reach out to those who have recently gotten married or …

New Agent 
Hello Ted. I am thrilled to have found this site. I am a new subscriber and literally just started using it. I just passed my exam. I have been …

Will a joke work to improve selling invironment?  
I want to know if a joke works in the selling process. If yes so please tell me some jokes that may help in insurance sell. (see my comments- Ted)

Starting a career 
Hi, I'd like to know how to start a career in selling insurance. Where do I start? I am 22 years old and have been a car sales man and working in …

what is the 1st thing to do when you first meet the client? 
What is the first thing to do, when you first meet the client?

Please help with telephone script and what to say in first meeting 
Hi and thank you for the website info. Im a life insurance agent and believe life insurance is the best financial tool for people. Its predictable safe …

Annual Reviews 
Mr. Davies- Is there a course which would teach me (a Life Agent) how to conduct an annual review? Thanks. George Kirazian

Commission Structure Working for a Broker 
I am about to start working for a broker as an independent agent. We agreed to no salary just commission yet the broker is asking me to split the new business …

forming a sale 
Ok hi their, I am concerned because I'm new in this business and really feel that I am able to help people but I have a problem with my approach Tactics …

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50% commission being offered to me 
Is 50% commission being offered to me from a small firm a good deal for someone starting out with no salary?

Talking to Relatives and Friends 
I am just starting out in the insurance business, I know it will be a requirement to start offering my products to friends and family.As Ted has said …

Talking to Relatives and Friends 
I am just starting out in the insurance business.I know that I am going to have to start buy talking to friends and relatives about the products that …

Finding New Prospects 
I am a independent life and health agent here in Illinois and I am having a hard time finding new prospects. I have went thru all my friends and family …

How to start a conversation on the phone with people you have not contacted for years 
Hi Ted, I'm very new in the Insurance industry and will be making phone calls to my warm market. The problem now is i'm an introvert and people knows …

How to lead a team to sell Life insurance successfully 
1 How to lead a team to sell Life insurance successfully? 2 How handle objections? 3 Need smart rebuttals to objections like (a) Need to think? …

What Insurance Product best serves the 70+ Market? 
I am searching for the answer to "what are the products that best serve the senior market," those that range in age from 66 - 75 years young? I have …

Daily Activities HELP! 
I'm a captive agent and just went out on my own last month. I need help from others in determining how to structure my day. I understand I'll have to …

Getting Customer to make that first months premium at point of sale 
I've done many presentations and people have wanted to take out an insurance policy, however I cannot join them up until they have made their first months …

Going back to Sales you have lost?? How do I re-approach them. 
After reading this website I want to revisit all the families I did a terrible job with trying to sell insurance and use this new info I have learned here. …

For anyone? Appreciation dinners for new agents. 
Sounds like something for a seasoned professional. What about beginners without the budget to supply dinner and such?

When I landed on Ted's insurance website by accident, I couldn't believe what I had found. 
The Best One Stop Shop for information & training My name is Mike McCoy, and I work in the marketing department for one of the largest Independent Marketing …

Cold Calls and No Appointments. Why?  
I have searched marriage licenses, and I can't get any appointments. Here is my script I wrote: "Hello, I am Eric ** Insurance company. We focus …

How to talk to referrals 
Once I have my three referrals from my customers how can I talk to them in order to have an appointments. Please advise.

Joint Venture Marketing  
Anyone have ideas about joint venture work with CPA's, Attorneys, P&C Agencies. Any help would be appreciated. Thanks in advance.

Remarket Personal lines Commission 
Will most brokers not pay a commission on business you currently have but have had to market to another carrier for a lower premium, just to keep the client? …

Insurance Agents for P & C 
What is the percentage of independent agents vs captive agents in P & C insurance market?

How has Site Build It helped your business? 
Hi How has Site Build It helped your business? I see a lot of people say that this website is a scam? Please let me know how it has worked for you?

My personal website. I am looking for help ideas to make my personal website more effective.  
I have had websites for a month now to solicit leads. No leads or inquiries through it to date. I advertised on Facebook for a week. No clicks or looks. …

Best Companies to Work for? 
I'm new to the industry? Is there a company that is great for entry-level insurance agents?

How can I improve my closing ratio? 
How can I improve my closing ratio and get quality prospects?

Is Suze Orman, The Insurance Goddess, Always Right about Life insurance?  
May 29th, 2010 at 9:41 pm Is Suze Orman Right about Life insurance? A personal observation from Ted Wolk. This is a copy of an e-mail I just sent …

Do you sell the referral cards that you show on your referred lead page? 
I was wondering how I can get some of these referral cards so I could use your referral system that you describe. Eddie

Thank you very much for so much valuable knowledge for no cost.  
I am a new independent agent I started 03/02/2010 and I just wanted to say this is a VERY helpful and informative site. Thank you very much for so much …

Sales Tip: Learning to keep quiet  
When I first started selling one of the biggest problems I use to have was to keep talking during my presentation. I figured if I stopped, then they would …

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How to close on young single people? 
Marketing to young school teachers...What is best approach to contacting them?

Contacting Clients 
What is the best way to contact clients and invite them to an appreciation dinner? Should we send out invitations? We plan to invite about 20-25 people. …

New prospects = Appointments  
How do I get an appointment with new prospects that I just met and already have their phone numbers. In other words, what can I tell them, or say to …

Automatic Caller 
Hey Guys, Ive been hearing around the office that there is a system that you can purchase that will call companies after hours and record their answering …

I want to emphasize once more that agents who send in a question or ask for help using this free insurance forum must include their e-mail in the box asking …

Open ended questions Not rated yet
What are some of the best open ended questions to ask when selling term life insurance over the phone?

How to get more activity?  Not rated yet
I am not making enough calls because i don't have enough quality referrals or natural market. How can i improve this overnight? Where can I go to meet …

Best prospects for life insurance during the daytime  Not rated yet
I like to prospect businesses during the day for payroll deduction life insurance with simplified or guaranteed underwriting. It is time consuming, but …

Statistics of insurance SEO  Not rated yet
Good day Have you found any links to articles that have been written on insurance companies using search engine optimization(SEO) and the internet to …

leads from postcards Not rated yet
I am a new agent and my company provides leads. The leads are a response from a post card mailed to the prospects home.The post cards have four boxes to …

Qualified Sales Leads? Not rated yet
Can someone help with some ideas. I have used several types of marketing (i.e. direct mail, internet, newspaper, senior publications) to secure qualified …

closing the sale Not rated yet
How to close any calls in 1st or 2nd meeting?

Great Article. Makes sense when setting appointments. Not rated yet
I liked this article. (Listening to your Insurance Prospect upfront) It helped me clear up some of the wrong concepts I had in my mind when calling and …

It hs been a year and I am facing a lot of rejections and still have problems with referrals.  Not rated yet
Dear Mr. Ted Wolk, First of all I would like to appreciate your effort in displaying the information for people who are looking to make it big in …

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