How To Find The Best Prospects To Successfully Sell Life Insurance!
In the past 30 years, most insurance companies; IMOs; sales trainers… and it seems that just about everyone has shifted away from serving Middle-Income Families. They now focus their efforts to find and sell life insurance prospects in affluent markets. Because they believe that is where you will make the most money, with the least amount of effort and expense. Everyone wants to believe that, because these people have more money, they have more money to spend. So, they are your best prospects to successfully sell life insurance. If only it were true and that easy!
Who are the best prospects to successfully sell life insurance?
The problem is there are a lot fewer life insurance prospects in the more affluent markets. Most advisors believe that it is top 10%-15% of the population. If it were true, it would give them a lot of prospects to see, so they could successfully sell life insurance.
However, the reality is that only 4% of households have a million or more in assets, which includes their homes. But, only 1 in 125 Americans has more than $1 million in assets such as stocks, bonds, bank accounts, real estate, and businesses they own. That is based on a study by Capgemini and Merrill Lynch & Co. Only about 2.5 million Americans or less than 1 percent of the population over age 15 are millionaires. The report did not factor in the value of people’s primary residences, which would increase the number of millionaires. And, because many of these millionaires have their assets tied up in their businesses and real estate… there are even fewer people who have liquid assets to invest in or purchase your products.
Think about it…
With all of the advisors that move into the more affluent markets… To chase the top 0.5%-1% of the population… Is it any wonder that most of these advisors struggle to make a decent living? It has gotten very competitive in the affluent markets. You just need to take a look in your local newspaper, on a Sunday… to get an idea of how many people currently offer seminars every month to the affluent markets! Then to compound, the problem, isn’t that where you will find the most competition from banks, attorneys, accountants, and brokers? Plus, all of the get-rich-quick scam artists? So are the affluent really your best prospects to sell life insurance to?
When Tom Stanley and William Danko, the authors of The Millionaire Next Door, decided to investigate how people get wealthy… They found something extremely odd. Because they found that many of the people who live in upscale neighborhoods and drive luxury cars do not have extreme wealth. So, they are not millionaires. Most of them live well above their means. They spend more money than they make to maintain the appearance of wealth. The truth is that, like most people today, these people struggle every month just to make ends meet.
The Capgemini/Merrill Lynch report also broke out where rich people put their money. They put 34% in equities; 27% in fixed-income investments; 13%t in real estate investments; 14% in alternative investments; and kept 12% in cash or deposits.
The Spectrum Group found that more than 35% of the affluent are retired… And 36% are business owners. The majority, 86% are married, and the mean age is just under 56.
Then a report from the Economic Policy Institute… “64% of American households have stocks worth $5,000 or less, or own no stock at all.”
So, Where Can You Find The Best Prospects To Successfully Sell Life Insurance?
If you want to find and make more money selling life insurance (or annuities)… then you will want to serve Middle-Income Families. They are in the top 50% or more of the US population. Which is 50 to 100 times the amount of prospects available for life insurance in the affluent markets. That means there are a lot more life insurance prospects for you to see. And, there is a lot less competition from the other professionals.
The only problem when you serve Middle Income Families is that finding the money… requires you do more work. Most of these people live beyond their means, and they have too much debt.
At first glance, it would appear, that most of these people do not have any money. But, in most cases, they do have money! You just have to learn how to help them find the money! You need to help Middle-Income Families to understand the problems they face today. And then help them to prioritize where they spend their money.
In most cases, you can help Middle-Income Families to find the money ($3,000 to $12,000 per year)! If you know where to look. And, you can do it all without asking them to spend more money… or change their lifestyle. It is simply a matter of you helping these life insurance prospects to reallocate where they spend their money unnecessarily.
This Means Your Best Prospects To Successfully Sell Life Insurance Are Middle-Income Families!
Studies on the problems facing Middle-income American Families to successfully sell Life Insurance!
Americans Gripped By Fear – 95% of Americans have some financial-related concerns when it comes to retirement. 42% expressed fears related to retirement income! Either they will run out of money, or they will have to downgrade their lifestyle in retirement. NAVA Financial Retirement Fears Study
Americans Have Wrong priorities – 70% of Americans are most concerned with short and midterm money they spend! While they place retirement savings at a distant third priority. Prudential Financial “Roadblocks to Retirement” Study
A message from Bob Kerzner, President, and CEO of LIMRA International, 5/8/06 appears to agree that… Your Best Prospects To Successfully Sell Life Insurance Are Middle-Income Families!
“Retirement is more than simply income planning. People must also prepare for the potentially ‘dangerous highway ahead’ that may include outliving one’s assets, health risks and long-term care needs, inflation, and other pitfalls. Most Americans have not saved enough to retire as comfortably as they would like to.”
“We need to respond to their failure to save. To point out, especially to younger consumers, that the way to a great retirement is through systematic savings… Not hot investments that boom today and bust tomorrow. Companies should do more to educate consumers about retirement. They need to know the risks they face… Or they will not be able to create that retirement paycheck, plan for long life… Or rely on their personal savings for retirement.”
“I believe those companies that start looking more at the totality of retirement are the ones that will do better. People want a lifestyle, and a great retirement, not a specific product. They will buy a product only if they see how it will get them the retirement they envision.”
“Serve the classes, live with the masses. Serve the masses, live with the classes.” John Jacob Astor
The more you learn to help middle-income families, the more you’ll earn successfully selling life insurance to your prospects!
Do you remember your Mom and Dad telling you; “Study hard and you will earn more!” It’s one of those irrefutable facts of life! Is it possible that a few simple changes could help you to successfully sell life insurance to your best prospects? And make a major difference in your income?
Think about it… If this business were really about the best products and sales ideas like people tell you… Then why do 90% of the new advisers fail each year? And why is the average income for advisers only $40,000-50,000?
Don’t wait to get started, take action now! You will get everything we have promised, and much more to successfully sell life insurance to your prospects! Go ahead and hold our feet to the fire to provide you with cost-effective life insurance marketing, prospecting, and sales training that really works! Your success selling life insurance is 100% guaranteed.
Why are you here? Is it because you struggle each week, to find the people who need, want, and can afford cash-value life insurance? And you are tired of selling small life insurance policies? So now you want a better life insurance marketing system, tips, tools, and strategies to help you find and attract your best prospects? So you can successfully sell more and larger cash value life insurance?
Our Trusted Advisor Success Program™ is about you learning to specialize in helping middle-income families 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 specialize in helping middle-income families… So you will earn $250k or more per year successfully selling life insurance!
We will show you how to find and attract 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 immediate money problems. We will also show you how you can help middle-income families find the money so that they can take action 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 insurance sales. So that you will earn $250K, or more this year successfully selling life insurance and annuities like the legends.
It is the best-specialized life insurance marketing and sales system and training for insurance agents and advisors to learn how to help middle-income families! It is the best training to successfully sell life insurance!
When Will You Get The Best Advanced Marketing Tips, Tools, Training, and Coaching You Need Specialize… To Find and Attract Your Best Insurance Prospects?
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 and attract your best insurance prospects and set your best sales appointments! Because your ‘specialized 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 life insurance marketing, sales training, and support you need to successfully use all the HOT Selling 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!
Includes Our Found Money Management™ Tool Kit (Life insurance marketing and sales system),
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With Membership to Our Private Site at $29.95 per month after the first month,
And 90 Days of Personal Agent Training, Coaching, Mentoring, and Back-end Sales Support Worth $2,097!
When will you get the best training for life insurance agents… along with the sales support that you need to find prospects to successfully sell life insurance?
When Will You Read Our Full-Length Book? So You Learn How To Really Help Middle-income 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 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!
It Is Up To You To Learn How To Help Middle-Income Families And Find Your Best Prospects, To Successfully Sell Life Insurance!