How To Successfully Sell Cash-Value Life Insurance!
Do you struggle to successfully sell cash-value life insurance? Because you have a problem helping prospects to find the money for cash-value life insurance? So, you are lucky if you successfully sell one life insurance policy per week?
You are not alone! Because most insurance agents only sell 35 and 50 cash-value policies per year! So, they only earn $30,000 to $50,000 annually. That is an average commission of $1,000 per case, with bonuses, etc!
Do you want to successfully sell 3 to 5 cash-value life insurance policies every week? So, you will earn $250,000 or more per year?
How To Successfully Sell Cash-Value Life Insurance!
Then let’s take a look at 4 of the main reasons why most agents struggle to sell cash-value life insurance.
Reason #1… Have you fallen prey to the “buy term and invest the difference” myth? Because there is so much negative info about cash-value life insurance are you afraid to try to present and sell anything but term insurance? Is it because you don’t know how to get past the prospects’ confusion about the value of cash-value life insurance?
Do you believe that you can consistently average a 12 percent return in the market? Then buying term and investing the difference might make sense for you. However, do you really want to put all of your money at risk in the market? Do you need and want to have some safe money? Then take the time to do the comparisons for yourself, and become a believer. Most good life insurance companies have illustration software that will compare their products to “buy term and invest the difference!” And it clearly shows that cash-value life insurance is a much better buy at realistic stock market returns!
Benefits Of Cash-Value Life Insurance!
Reason #2… Do you understand how your prospects will truly benefit by owning cash-value life insurance? Most agents who try to sell cash-value life insurance don’t really understand the incredible power of tax deferral! Or how cash-value life insurance can provide a tax-free income in retirement! Many agents don’t realize that because of the disability waiver of premiums, cash-value life insurance is the only self-completing college funding and/or retirement savings plan. And that it is creditor-proof.
Plus, life insurance doesn’t count as an asset when you apply for college financial aid. And then by over-funding a cash-value life insurance policy up to the MEC guidelines, it can become “investment grade life insurance!”
These are just a few of the outstanding benefits that make cash-value life insurance a great savings vehicle! And make cash-value life insurance an exceptional buy for your clients.
Do You Believe In Cash-Value Life Insurance?
Reason #3… Do you believe in cash-value life insurance enough to own it? Most agents have many of the same objections their prospects have about cash-value life insurance. But, how can you successfully sell cash-value life insurance if you don’t really believe in and own yourself? If you want to sell cash-value life insurance, then do your homework! Learn everything you can about cash-value life insurance. So you become a believer! Then buy cash-value life insurance yourself! One of the best ways to learn about cash-value life insurance is to join NAIFA! And then take their life insurance courses. I would also recommend you read ‘Money for Life’ by Jeffery Reeves! And also read our Middle American Family’s Guide To Living Debt-Free And Truly Wealthy!
The Biggest Problem To Successfully Selling Cash-Value Life Insurance!
Reason #4… While the above are a few of the major reasons why so many agents and advisors struggle to sell cash-value life insurance, they are not the primary reason. Consider: What is the most common objection a prospect will give you for not buying cash-value life insurance? “I can’t afford it!”
The problem is that most agents just expect their prospects to somehow find the money to buy cash-value life insurance. However, if the prospect is like most people today, then they are just barely making it financially. Many people today are just a paycheck away from financial disaster. So, in effect, you are asking your prospects to decide… “What do I have to sacrifice to purchase your product?”
Do you want your prospects to buy cash-value life insurance? Then you must help your prospects “find the money.” They must learn to reallocate their dollars to get what they need and want. Without them having to make huge sacrifices or change their current lifestyle to buy cash-value life insurance.
Help Your Prospects To Find The Money To Successfully Sell Cash-Value Life Insurance!
So, where can you ‘find the money to help your prospects afford to buy cash-value life insurance?
Here is a quick list of ideas that could help your prospects find the money:
- Raise the deductibles and waiting periods on their current insurance policies.
- Remove unnecessary and/or expensive riders.
- Cancel unneeded policies.
- Free up money by refinancing their home and lowering their monthly mortgage payments.
- Use the equity from their home to eliminate credit card debt or an auto loan to free up those payments.
- Reallocate payments currently going into qualified retirement plans, college funding vehicles, etc.
It all boils down to you helping your prospects to set better priorities. It is about you helping them to decide what’s most important to them. So they will want to take action. Help your prospects get the life insurance protection they need to protect their family! And then help them to save money for their future by selling them cash-value life insurance.
Now you can have everything you need to successfully sell cash value life insurance in the next 60 days. When you invest in AND USE the leading life insurance sales system!
Learn How To Successfully Sell Cash-Value Life Insurance?
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 your clients and prospects to find the money 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 families to find the money! So you will earn $250k or more per year selling cash-value 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 your clients and prospects see and want to solve their money problems. We will also show you how you can help your clients and prospects to 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 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 system and training for insurance agents and advisors to learn how to help prospects buy cash-value life insurance!
When Will You Get The Best Agent Marketing Tips, Tools, Training, and Coaching You Need To Help Families… To Successfully Sell Cash-Value Life Insurance?
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, set your best sales appointments, and successfully sell more cash-value life insurance! Because your ‘special 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 to successfully sell cash-value life insurance… 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 average people – not just the wealthy!
“Dear Lew, Jeremy. and Alex, I have been in the financial industry since 1988. I have spent tens of thousands of dollars on training, motivation, and coaching. The total over the last three decades maybe into the hundreds of thousands of dollars. I have been a client of IPS for over 3 years. I have never seen the breadth and depth of material that IPS has. They have the right recipe for success. All you have to do is follow it. If you are going to invest in your career, I know of no better investment in yourself, than establishing a relationship with IPS.”
“Do yourself a favor, develop the courage to change, and grow. IPS has incredible information available, but more importantly, they care. They will emotionally invest in you and your career. Most importantly they are good people! All The Best, R. Spencer Childs” Spencer Childs – NV (31 years in the business)
“Prior to attending IPS Bootcamp, I was a mess. Chasing one sales system after another and not getting anywhere on a consistent basis. Without having a plan in place I was on the verge of quitting. After spending two days with Lew & Alex, I am excited to get back out there and help families. I have received more value in the last 48 hours than I have in the last four years with other training systems. I cannot thank IPS enough for the training. All I can say is if you are considering attending a Bootcamp, just do it. You will not be disappointed. Thank you, Lew & Alex!!!” Faith Johnson – FL (4 years in the business)
When Will You Learn How To Help Prospects To Find The Money? So You Will Successfully Sell Cash-Value Life Insurance Today!
Middle American Family’s Guide To: Living Debt Free And Truly Wealthy!
By Lew Nason, LUTCF, CTA, RFC Retired, And Jeremy Nason RFC, CTA
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Nothing Will Change Until You Make it Change. Learn How To Help Your Prospects To Find The Money – To Successfully Sell Cash-value Life Insurance!