Help Middle-Income Families An Untapped Niche Market For Selling Life Insurance!
Is there any question that, during the past three decades, companies have been moving their sales focus to the more affluent niche markets for life insurance? They appear to have forgotten whom they initially served! And then what made them the company they are today? This leaves the Middle-Income Family life insurance niche market wide open for agents and advisors who decide to learn the best ways to help families.
Unfortunately, most agents are missing the boat. They are trying to sell middle-income families by getting them to take more money out of their budget. However, the problem is that most families are only one or two paychecks away from going bankrupt! They do not have any savings! And they are struggling with debt. So, they believe they cannot afford to spend money on anything else! No matter how good it looks. Or how important it appears to be!
However, this is a great opportunity for those advisors who take the time to learn how to… Help Middle-Income Families to spend, save, invest, insure and plan wisely for the future… So they can achieve financial independence. Because today middle-income families want and need your help to buy life insurance! So they can build a rock-solid financial foundation. Before they even think about spending more money on investing, etc. That makes Helping Middle-Income Families the very best life insurance niche market for agents and advisors.
The United States Savings Rate Has Steadily Declined!
Consider, the United States savings rate steadily declined for roughly 25 years. Reaching its lowest point in the early 2000s. While at the same time, consumer debt levels have skyrocketed.
Personal Savings in the United States decreased to 2.40% in January of 2013. Historically, from 1959 until 2013, the United States Personal Saving Rate averaged 6.89%. Reaching an all-time high of 14.60% in May of 1975. However, in April of 2005, we had a record low of 0.80%!
But, the good news is that Americans do recognize the need to save more. In a survey by Absolute Strategy Research, 71% of respondents reported that they were “saving too little.”
Now consider, personal savings rates are at one of their lowest rates ever. So secure retirements are in jeopardy. Also, consider that defined pension plans, provided a guaranteed income for life. So they played an enormous role in providing a safe and secure retirement for middle-income families. Pensions have successfully helped millions of people prepare for retirement by shielding people from the risk of market downturns. Along with the possibility of living longer than expected.
However, the pension system has been on a steady decline for decades! And now, only one out of every five people working in the private sector has a pension.
How Do You Help The Middle-Income Family’s Life Insurance Niche Market?
We believe that Middle-Income Families are at a distinct disadvantage because most financial advice is for people who are already wealthy. These are the people who have their necessities covered. They have already built a strong ‘safe money’ financial foundation. So, they can afford to take risks with their other money!
Remember, wealthy people, live in a different world. They are not concerned about qualifying for college financial aid. So their children can afford to go to college. They are not concerned about eliminating debt, to improving their cash flow. So they can afford health insurance or put braces on Mary’s teeth. They don’t have to worry about whether there will be food on the table, Or a roof over their family’s heads. If something happens to them!
You can help Middle-Income Families by providing them with the little-known life insurance strategies that the wealthy have used for decades to accumulate and hold onto their money. The wealthy were able to accumulate wealth not by taking risks! But by taking a portion of everything they earned and putting it to work for them. They understand that the road to wealth starts… When you truly understand that “Part of what you earn is yours to keep!”
MostMiddle-Income Families are struggling today because the conventional financial wisdom being passed from generation to generation was never about accumulating wealth! It’s what our great grandparents and grandparents learned they needed to do to protect their assets. Like during the tough economic times of the great depression.
Found Money Management™ Strategies
Unfortunately, most Middle-Income Families are being sold policies with low deductibles, and all sorts of unneeded expensive riders, so their agents can make more money. Plus, they are being sold supplemental policies that aren’t really needed. And they aren’t being told about quantity discounts and price breaks.
Plus, the average household credit card debt in 2012 stands at a distressing $7,117. Which is a startling number. When you consider that if you look at only those households that have debt, the average rises to $15,257. And the American debt profile is only getting worse.
- Now the average credit card debt is $15,257
- Plus the average mortgage debt is $149,782
- And the average student loan debt is $34,703
Additionally, most Middle-Income Families are putting their safe money in the wrong places. So, they are losing money in the stock market. While they disqualify themselves from the free money available for college financial aid. And they are paying more income taxes than necessary.
All of this is keeping many families from saving money and building a secure financial future!
Help Middle-Income Families An Untapped Niche Market For Selling Life Insurance!
We need to help Middle-Income Families to find the money to:
- Reduce Or Eliminate Their Consumer Debt…
- Maximize The Amount They Can Save From Their Current Income…
- Reap the Upside Of the Market, While Guaranteeing The Safety Of Their Investment Principal…
- Position Their Assets To Increase Your Eligibility To Qualify For College Financial Aid…
- Minimize Their Income Taxes…
- Position Their Money To Provide More Current Liquidity…
- Maximize Their Savings and Investments For Retirement…
And, in many cases, you can help them do it all… Without them taking additional money out of their budget… Or changing their current lifestyle!
Now the question is: “Can you really make money when you Help Middle-Income Families in the Life Insurance Niche Market?”
The answer is a resounding “YES!”
But, you must learn how to conduct a thorough fact-find. So, you can help Middle-Income Families to see and understand the financial problems they are facing now and in the future. So, they will want to set better financial priorities. And, then you help Middle-Income Families to re-position their spending to get the insurance and the financial security they want and deserve!
“When you’re money is working hard for you, you don’t have to work so hard for your money.”
Middle-Income Families An Untapped Niche Market For Selling Life Insurance!
- In front of 20 to 30 qualified prospects every month…
- Earning an average commission of $3,000 to $7,000 per case…
- Earning $25,000 to $50,000 per month. (Every month)…
And, you can do it too!
Our Trusted Advisor Success Program™ is about you learning to help middle-income families to find the money to Live Debt Free And Truly Wealthy! It is about helping middle-income families to get all the cash-value life insurance they need to protect their families. While you help them to save for a tax-free retirement, save for college, create a family bank, etc. (Using cash value life insurance and annuities!)
Check out our Trusted Advisor Success Program™! Because you will get 90 days of personal insurance agent training, coaching, and mentoring… with back-office sales support! All from a team that has been training agents and advisors for over 40 years to help middle-income families to buy life insurance. So you will earn $250k or more per year selling life insurance!
We will show you how to find your best life insurance and annuity leads/prospects. So you will set great sales appointments. Then we will show you how to help middle-income families see and want to solve their insurance and money problems. We will also show you how you can help middle-income families to find the money so that they buy insurance right now! Then we will show you the best ways for you to present your solutions to your clients and prospects to close 9 out of 10 sales. So that you will earn $250K, or more this year selling life insurance and annuities like the legends.
It is the best life insurance marketing and sales niche market for agents and advisors to learn how to help middle-income families!
When Will You Get The Best Agent Marketing Tips, Tools, Training, and Coaching You Need To Help Middle-income Families… To Want Your Help?
Inside our Trusted Advisor Success Program™, you will find all the best marketing plans, strategies, and ideas laid out for you! You will learn the best ways for you to use Joint Ventures; Educational Workshops and Seminars; Booklets and Free Reports; Referred Leads; Social Media; Client Newsletters; Annual Reviews; and more – with all the tools, scripts, and more. Now you can find your best prospects and set your best sales appointments! Because your ‘special marketing message’ to everyone will be all about how you help middle-income families to find the money to “Live Debt Free and Truly Wealthy!”
You will also get the best marketing, sales training, and support to use all the HOT Sales Concepts… Wealth In Motion, Infinite Banking. Missed Fortune, Circle Of Wealth, Wealth Beyond Wall Street, Tax-Free Retirement, and more… Because they are part of our Trusted Advisor Success Program™. Now you can help middle-income families – not just the wealthy!
When will you get the best training for insurance agents? Along with the sales support that you need to help the middle-income families niche market to buy life insurance?
When Will You Read Our Full-Length Book? So You Learn How To Really Help Families?
We urge you to take the time to read our 20 Chapter book… ‘Middle American Family’s Guide To Living Debt Free And Truly Wealthy!” Because we give you the complete strategies, on how you can help middle-income families to find the money to spend, save, invest, insure, and plan wisely for a secure future! So that you can help them to “Live Debt Free and Truly Wealthy!” As a result, you will understand our philosophies, concepts, and techniques by the end of the book. And finally, you will know how you can make a real difference by helping your family, friends, clients, and neighbors get rid of their debt. So they can save for retirement. So that they will have a secure financial future! Book Outline – Get A Digital Copy of Our 20 Chapter Book! Only $18.97, Immediate Download, ORDER Now!
When Will Decide To Work The Best Niche Market To Help Middle-Income Families Buy Life Insurance!