I'm putting a question out here to all of you working the 403b market. I would like to know the general mix of annuities vs life insurance sales you perform in this market? I'm always shocked to learn I'm the only guy I know that produces huge life insurance numbers in this market. I have developed a methods to do this but figured I wasn't alone in doing this. Now I'm starting to wonder. So let's hear those ratios fellas! And is it mainly term or perm? As many of you know I've worked the 403b market hard for years. But what I've found is that most agents have NO CLUE how to sell life insurance in this market. It just blows my mind. (Maybe some of you are different in this forum?) I'll admit, here in California though, the 403b flow sales alone you can make a very good living off of. In California where I'm at I'd say my average client is doing 500-600 monthly into their annuities. Many of the teachers are married to business owners or silicon valley types so many like to max out their 403b's - this is of course the easiest annuity sale ever that just keeps giving every year. But again, I've noticed that virtually NO agents are selling life insurance (aside from the normal family need for a term or perm policy here and there). The fact is this market is phenomenal for life sales! Even for single or divorced teachers it's super easy. I've never made easier life sales than I have in this market - and the premiums average 3,000-5,000 per policy. It has to do with understanding exactly their pensions work. You can certainly sell IUL's / UL's as an annuity alternative too. This is easy if you know what you are doing. It also helps to have a good software illustration system. One of the companies I deal with provides this and it makes life extremely easy and puts it in a visual for the client to see. Many times I have a client already doing let's say $800.00 per month into an annuity...and when I'm done with them I've gotten them to reduce their annuity to $450 and give me a check for $350 for a life policy. Again if you know what you're doing it will make complete sense to the client. Do the math on those commissions! The best part about this market (as shown in my example above) is that you often don't have to ask for anything!! Many either will just throw money at you because they are desperate to save - or, they are already saving - so you just have to show them a better use for those saving they are already putting away. You don't have to effect their net take home pay at all. Just redirect the funds and reap the big rewards. Nothing could be easier! If I sit down with any agent in this market for 2 hours I would literally explode his/her commissions by incorporating life sales into their 403b business.. There are so many clear opportunities to sell TONS of life insurance in this niche but it blows me away how few agents do it. I'm not sure if it's laziness, or just ignorance? --If you need help in this I am available for consult.