I think you have that backwards....lower level term to young families won't pay you much, and UL for the older ranks is probably going to be more than they want to pay most of the time. Is it a good idea for them to have it? Yes, but they also do have to write the checks.....you should be pointing out to the younger people why UL can benefit them by locking in the low rates that are available today, rather than buying a term policy, outliving it, and then being screwed into paying an exorbitant premium 20 or 30 years down the line when their health has declined.
Cold Calling for Both Term and UL Insurance
- Thread starter adamantium
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I think you have that backwards....lower level term to young families won't pay you much, and UL for the older ranks is probably going to be more than they want to pay most of the time. Is it a good idea for them to have it? Yes, but they also do have to write the checks.....you should be pointing out to the younger people why UL can benefit them by locking in the low rates that are available today, rather than buying a term policy, outliving it, and then being screwed into paying an exorbitant premium 20 or 30 years down the line when their health has declined.
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- #32
adamantium
New Member
- 16
I am gonna be brave here and ask what are the sorts of things YOU include in direct mailers? I am not asking for an exact copy of your letter but more what are some hot buttons that need to be there? What is more successful letters or postcards? This is directed to anyone who uses it regularly. Plus what mailing houses offer the best programs, as far as target marketing, rates, and designing goes?
- 9,744
If by "D2D' you mean door-to-door, I have no idea, haven't done it since I had a paper route as a kid...
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- #34
adamantium
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- 16
As you gents can tell I am definitely trying to do things that are considered foolish. The reason for this is that I want to try as many avenues as possible. I am on the younger side of things but unlike most peeps my age I dont believe the Internet is God's Gift to mankind. People get lost when there is no human contact. Thats why I am so interested in trying these older but more labor intensive techniques. I want to build relationships not just a quick dollar. However that would certainly help right now! LOL. Is there any Life Only agents who have done door-to-door? What has been your experience with this?
UnknownGenius
New Member
- 15
I have an idea, how about instead of posting in this forum, you get out there and try it all till it works!
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I agree
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I agree
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The best advice I can give you is to start looking at all of the junk mail you get. Start with looking at the envelope, how its positioned. Read the contents, does it grab you? Okay, you may not be in the market for a new furnace, but if you thought about replacing your furnace in the next few years, would the piece grab you?
In general, you will find simple, direct, easy to read is better than long winded explanation type pieces.
Postcards vs letters: Its an open debate. I used to like postcards better, now I prefer letters. Others will say the opposite.
As far as recommendations of who, what, how???? You'll have to be more specific on what you are doing. I still can't give much advice, I do my mailings in house. I bought a folder/inserter and a high volume high quality printer so I can do my own mailings on my own schedule.
Dan
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- #37
adamantium
New Member
- 16
Thanks guys for all the input. I will take your insights into consideration as I am working on my marketing strategy. I appreciate your time and help with answering this question
- 177
If it works for you, adamantium, keep doing it. djs, unknowngenius and others talk about differentiating yourself, which is sound wisdom. From what I'm reading, you are in the "insurance refinancing business". Some people refinance their mortgage to get a better deal. It's the same with your life insurance. If you can refinance it to pay less for the same or better coverage, then it makes sense to do that. You can always ask, "Do you mind paying less?". Your target market sounds like mom, dad and the 2.3 kids -- age 30-50, estimated household income $40K to $80K, presence of children, homeowners. With your UL, you are also in the "tax-free income" business. This is the benefit, not the product. Lots of people are in the "insurance selling business", but not many agents people buy the real benefits of the product. You might also want to see a post I made Saturday about Individual Term vs/ Group Term Life somewhere on here. That should help you too. It's a way to get "found money". If you are going to mail people something, include a packet of brand-name microwave popcorn. That way, when you call them back, you 're the "guy who sent them the popcorn" -- as opposed to the "insurance agent". Good luck!
atlantainsguy
atlantainsguy
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- #40
adamantium
New Member
- 16
Thanks for the tips atlantainsguy. I like the way you think, its creative.
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