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I agree -- one can always simplify the prospecting process by selling life insurance to anyone who has a pulse, versus targeting specific ages.
That's the kind of agent we'd all like to be. But as a new agent getting into FE specifically we tend to try to *master* that first and don't get involved with term or the concept of selling policies to anyone not over 55 years old, low income, etc.
Not really THAT hard to brush up on various products and make a sales pitch adjustment when needed....it's just for new agents you are already stressing on perfecting how to sell a $10,000 FE policy to low income seniors.
But if you could be that agent than you could knock on every door and no matter if a 75 year old or 35 year old answered, you are comfortable, confident, and have something to sell them.
My first time door knocking (about 2 years ago) when a 40 year old answered I'd be like "Oh...umm...hi. Do you have a grandmother or does your mother live here maybe?"
Freaking horrible