The Greatest Reason In The World To Do More To Help Your Clients!

The Greatest Reason In The World To Do More To Help Your Clients!

Insurance Agents Need To Help Clients! Help Middle Income Families Find The Money For Life Insurance!

5/1/2023… A few days ago I posted an article on FaceBook about how we helped an agent to find the money to help his client and close a life insurance sale. We got over 100 comments from agents and advisors. Most of the comments were good. And some comments questioned whether the insurance agent was doing the right thing to help the client. Everything we do is to help insurance agents do their best to help their clients! In this article, we will give you a quick explanation of our basic philosophy. And why we believe middle-income families need cash-value life insurance as a safe and secure financial foundation.

Insurance Agents Need To Do More To Help Clients!

Help Other To Succeed. Insurance Agents Need To Help Clients! Help Middle Income Families Find The Money For Life Insurance!First, we believe that middle-income families are underserved. There is a great opportunity for insurance agents to do more to help clients.

Consider 35% of Americans said they planned to purchase life insurance in 2021. (Limra, 2022) And only 52% of Americans have life insurance including individual and workplace. There are 102 million uninsured and underinsured American middle-income families who know they need insurance. (Limra, 2022)

Many middle-income families still have no savings, or very little: Nearly 1 in 5 American middle-income families didn’t save any money in 2021, according to recent data from the latest MagnifyMoney Savings Index. And 18% of respondents admittedly contributed zero dollars to their savings last year. Then another 48% of middle-income families contributed less than $5,000.

Bankrate’s July 2021 Emergency Savings survey revealed that a quarter (25%) of American middle-income families have no emergency fund at all. And just 1 in 6 households report having more savings now than prior to the pandemic.

So there is a great opportunity for insurance agents to help clients find the money for cash-value life insurance! And be highly successful selling insurance!

The Example Of How The Insurance Agent Helped The Client Find The Money!

I was working on a case last week for one of the agents I coach. The agent had called me to go over the discovery notes. He stated there is nothing here to work with. The prospect is living paycheck to paycheck, and cannot afford $50.00 a month! I tell all the insurance agents we work with that there is almost always a way for you to help clients! Your job as an insurance agent and advisor is to help clients find the money to take action. So, we dug through the agent notes, and we found – $50.00 extra to the mortgage, $200 overpayments to the 401k, and lastly after an auto and HO change another $200 a month. He presented $450.00 a month into life insurance. And the prospect is now his client!
Bottom line: Do you want to sell more IUL and Whole Life… Then learn to do an EPIC fact find (more than just filling out the form). And also learn how insurance agents and advisors can FIND THE MONEY to Help Clients!

Why The Agent Helped The Client To Move The 401k Overpayments Into Life Insurance!

As stated earlier, we believe middle-income families need a safe and secure financial foundation. Putting more money into a 401k than is matched by the employer, does ‘not’ help the client meet the criteria for a safe and secure financial foundation. In fact, depending on the situation, most middle-income families should ‘not’ use a 401k at all.

Problems with 401ks…

  1. Most 401ks are invested in mutual funds or company stocks. So they are subject to market risk. Most middle-income families can ‘not’ afford to risk what little money they are able to save.
  2. Most 401ks have mutual fund fees and then separate company management fees.
  3. If you need to withdraw money from your 401k before 59 1/2 you will be hit with withdrawal fees, penalties, and income taxes.
  4. Most people in 401k plans earn less than 3% a year after fees and expenses.
  5. All the income you take in retirement is taxable. And can make a large portion of your social security income taxable!

Life Insurance is better for your clients because…

  1. It is the emergency fund they need.
  2. Provides access to their money without penalties and taxes prior to 59 1/2!
  3. It also has a Disability Waiver of premiums, that makes it self-completing if you are disabled!
  4. It has safety and guarantees.
  5. Most Life Insurance Policies from a top company will earn 4-6% after fees and expenses!
  6. Can provide a tax-free retirement income.

Important Note… When you retire it is ‘not’ about how much money you have accumulated! It is about how much of your money you will get to spend!

The Keys To Closing The Life Insurance Sale!

First, the agent is helping the client to get ‘ALL’ the life insurance they need to protect their family.

Second, the agent is ‘not’ asking the client to spend more money or change their current lifestyle.

Third, we helped the agent to close the sales using a 2-page summary that compares what they are currently doing to what we recommend.

Fourth, the insurance agent was able to help the client easily see the bottom line and how their family is much better off.

Insurance Agents Help Clients To Find The Money For Life Insurance?

The more insurance agents and advisors learn to help their clients (middle-income families), the quicker they will be seen as Trusted Advisors… and ‘NOT’ as just a salesperson!

When will you become your client’s Trusted Advisor? When will you decide to be the insurance agent and advisor that helps clients (middle-income families) Find The Money to Live Debt Free And Truly Wealthy?

We will help you to find the money on your next case! When will you let us help you find the money to immediately increase your life insurance sales?

The Best Life Insurance Sales System And Training To Help Middle-Income Families Find The Money To Buy Life Insurance!

Trusted Advisor Success ProgramOur Trusted Advisor Success Program (Life insurance marketing, appointment setting, and sales training system)! This is about you learning to specialize in helping middle-income families find the money to Live Debt Free And Truly Wealthy! It is about insurance agents helping middle-income families (clients) to find the money to get all the cash-value life insurance they need to protect their families. While the insurance agent helps clients find the money to save for a tax-free retirement, save for college, create a family bank, etc. (Using your cash-value life insurance and annuities!)

Check out our Trusted Advisor Success Program! Because you will get 90 days of personal life insurance agent training, coaching, and mentoring… with back-office sales support! All from a team of life insurance marketing and sales coaches that have been training agents and advisors for over 40 years to specialize in helping middle-income families find the money for life insurance to be your client! It is the best life insurance marketing, appointment setting, sales system, and agent training. So you guarantee you will earn $250k or more per year closing life insurance and annuity sales!

First, you will get the best marketing system and agent training to find and attract your best life insurance sales leads/prospects. Then you will get the best scripts and the right questions to ask your prospects to set great life insurance sales appointments.

Next, you will get the best insurance fact-finding training to ask prospects the right questions to 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 buy life insurance right now!

Finally, you will learn the best ways for you to present your solutions to close 9 out of 10 life insurance and annuity sales.

When you learn how to help the client to find the money you will earn $100K, $200K, or more this year closing life insurance and annuity sales like the Legendary Agents.

It is the best-specialized life insurance marketing, appointment setting, and sales training system for agents and advisors to help their clients. It is how you will learn how to find the money to close more and larger insurance sales!

Now You Can Master The MARKETING Fundamentals To Find Your Best Insurance Prospects!

Inside our Trusted Advisor Success Program, you will find the best life insurance marketing plans, sales 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 sales tools, appointment scripts, and more. Now you can find and attract your best life insurance prospects, set your best sales appointments, and close more sales! 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!

INCLUDES… The best life insurance marketing, agent sales success training, coaching, and support! It is everything you need to find the money to use all the HOT Life Insurance 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 find the money to secure their future – not just the wealthy!

Includes… Our Found Money Management™ Tool KitLife insurance marketing, appointment setting, and sales training system,
Includes… Our How To Close 9 Out Of 10 Insurance Sales – Life Insurance Appointment, Sales Training System And Videos,
Includes… 90 Days of Personal Insurance Agent Success Training, Coaching, and Back-office Sales Support Worth $2,097!
And Includes… Membership to Our Private Site at $29.95 per month after the first month,

When Will You Invest In A Life Insurance Sales System, Agent Training, And Support You Need – To Help Your Clients (middle-income Families) Find The Money for life insurance?


Middle American Family's Guide To Living Debt-Free And Truly Wealthy!When Will You Read Our Full-Length Book? So You Learn How To Really Help Middle-Income Families and Make Them Your Clients?

Middle American Family’s Guide To Living Debt-Free And Truly Wealthy!

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 you can help them to “Live Debt Free and Truly Wealthy”! As a result, you will understand our philosophies, concepts, and techniques you need to help people. 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 to have a secure financial future! While you will find the money to close more and larger life insurance and annuity sales! Book Outline – Get A Digital Copy of Our Book! Only $18.97, Immediate Download, ORDER Now!


When Will You Get The Life Insurance Sales Systems, Agent Training, And Support To Help Middle-Income Families Find The Money To Become Your Clients?

Help Your Families To Live The American Dream?

Change Your Attitude, To Change Your World… To Be More Successful In Insurance Sales!

Free Consult - Best Training For Helping 9 Out Of 10 Insurance Agents and Financial Advisors To Double And Triple Their Sales And Income In 60 Day Or Less!

Recommended By The Members Of The IARFC - Insurance Agents Need To Help Clients! Help Middle Income Families Find The Money For Life Insurance!

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