Cold Doors 2020 - Discussion Thread

I think if you are working doors like I know you do, you are learning more and faster than most on the forum.

I've had a heckava couple of days though. I grabbed some FE leads to door knock on Tuesday because I've got a bunch of annuity sales and fully underwritten whole life apps pending this month, but that $hit is sloooooooooooow to pay, and I need some scratch.

So Tuesday I was drawing a blank until I get in on the last knock of the day and I write hubby and wifey for $8000 AP = $4K premium each ... but ... fully underwritten lol. I think hubby may have to settle for an FE policy when all shakes out, and I told him as much. But wifey will likely get placed.

I've not gotten in one home since. Zilch for yesterday and today.

Gonna change my handle to PorchTimer.
 
I've had a heckava couple of days though. I grabbed some FE leads to door knock on Tuesday because I've got a bunch of annuity sales and fully underwritten whole life apps pending this month, but that $hit is sloooooooooooow to pay, and I need some scratch.

So Tuesday I was drawing a blank until I get in on the last knock of the day and I write hubby and wifey for $8000 AP = $4K premium each ... but ... fully underwritten lol. I think hubby may have to settle for an FE policy when all shakes out, and I told him as much. But wifey will likely get placed.

I've not gotten in one home since. Zilch for yesterday and today.

Gonna change my handle to PorchTimer.

8k ap nice! So fully underwritten will take a couple weeks?

Just curious how many knock that Tuesday and are you leaving delivery notices if they don't answer the door?
 
8k ap nice! So fully underwritten will take a couple weeks?

If they are young, healthy, and the face amount not terribly high relative to income they can go through right away.

But for older folks, by the time you get the paramed, the APS's and Personal Care doctor responses, 4 to 8 weeks. I had one approved last week for an app I took in early November.
 
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Have you done much cold knocking? Just asking.

The way I mentioned is key to getting in. Looking at someone in the eye while trying to get into their house is a good way of spending most of your time knocking rather than sitting down. :yes:

I'm just curious why you feel eye contact is detrimental, can you expand?
 
So Tuesday I was drawing a blank until I get in on the last knock of the day and I write hubby and wifey for $8000 AP = $4K premium each ... but ... fully underwritten lol. I think hubby may have to settle for an FE policy when all shakes out, and I told him as much. But wifey will likely get placed.

A lot of good stuff in this paragraph.

What kinda lead?

What was the lead demographic?

What was their want?
 
I'm just curious why you feel eye contact is detrimental, can you expand?

I could be wrong but eye contact can be a cultural thing. Some cultures staring someone in their eyes is seen as bold and even disrespectful. If you live in a city with or encounter people of different cultures this may be something to be aware of.

Either that or his prospects are pimps - never look a pimp in the eyes :wub:
 
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Keep the pipeline full.

Priming the pump right now - I figure its going to take three to four months to get the commissions flowing steady. Lots of air in the line right now.

A lot of good stuff in this paragraph.

What kinda lead?

What was the lead demographic?

What was their want?

Facebook FE lead:

FE demographic, more or less. Mid-60's hubby, collecting his social security and a small county pension, and works during the school year part time for my home district. The wife is a couple of years older, collecting social security, also a small pension from the Catholic diocese. Altogether they are still bringing in about $65K pre-tax.

They recently found out that though they've been married almost 20 years, that because hubby never changed his pension beneficiary, and he could no longer change it now that he has started collecting it, his first wife will get it when he dies, not his current wife. I couldn't believe this, but after an hour on the phone with his pension administrator it was confirmed.

So burial insurance was, he thought, the least that he could do to help his current wife out in the event that he dies first.

However, I now do a fact find for everyone - FE lead, cold knock, referral, business manager, employee, owner, whoever - fact find everybody.

So I find out they have, in addition to his small county pension, an annuity that someone sold him about twelve years ago (on a door knock! lol). Our plan is to fund the whole life policies, if approved, by turning that annuity on.

The policies I proposed are structured for rapid cash value accumulation, nice reduced paid-up options, a significantly higher death benefit than FE would allow. Doing it this way will give her a lot of flexibility going forward: If he is approved, the death benefit can be used to fund her a nice emergency fund plus buy additional income, she can take the reduced paid up option on her policy in the future if necessary and divert the income from the current annuity into her checking account to replace the money she will lose from social security and his pension, etc. and so.

Now, if he isn't approved, then we have to look at some other options. But, the company I sent them to has a table shave program right now that might help. He will definitely be rated if approved - and any shave will be helpful to getting this plan to work as designed.
 
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Found the guy recommended above and his script when he door knocks.

I got a chuckled at the part when he attempts for presenting right then by saying "do you have a minute right now?" Assuming they say "no" then he says "I don't either!"...."I work by appointment only and I've got an opening tomorrow at x time or x time"

Great comeback if asking them question that elicits yes or no response and they say no.

 
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