I'm not sure if I ever posted this here but it's worth a look for many. Thanks! Selling health insurance is a very lucrative opportunity. But what if you really don't have enough capital to rely on to pay for leads and continue paying the bills while you wait for the commissions to roll in? Here's a great solution: Statistics (through many forum discussions) have shown that if you cold call, every two hours of dialing will earn you two leads. *based on 25 to 40 dials per hour Step One: Do this for 8 hours Monday and 8 hours on Tuesday. That should be about 16 leads, and we're talking solid leads here because you solicited them, they're not shared, they're all yours. Step Two: Make all of your appointments (either phone or in person) for Wednesday afternoon, Thursday and Friday, even Saturday if necessary and work those 16 leads. Now, let's be conservative. Out of about 16 extremely solid leads, can you write between 3 to 8 sales? I'd say yes. So we're talking 12 to 32 applications submitted in one month. Lather rinse and repeat and this is 144 to 384 apps submitted in one year. Those are some awesome numbers for whatever level you're at in your sales career. Cost: Time, effort, a phone bill and maybe some gas. Return: We can all figure out that this is worth it. Remember this: Before the internet and buying leads, agents had the ability to and made six figures, so how did they do it? Well maybe this helps: 1. Work ethic 2. A system of selling 3. Product knowledge 4. Diligence 5. Customer service Where are you lacking in these categories? Overcome it and you too can have a lucrative, rewarding career. Sell well!