How to sell life insurance from P&C products?

Jun 2, 2019

  1. WLIN9106
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    WLIN9106 New Member

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    I am a statefarm agent often selling P&C products. But it is hard for me to pivot life to my clients, everytime I say "would you want life insurance to protect your family" they are not interested in getting it. What would be a good way to start a conversation that attracts people?

    Please kindly share your ideas.

    Thanks
     
  2. somarco
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    somarco GA Medicare Expert

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    Do you feel you are paying too much for your life insurance?
     
    somarco, Jun 2, 2019
    #2
  3. bluesky3000
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    bluesky3000 Expert

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    Tell them from a real example how it actually helped one of your clients out and relate it to them
     
  4. STIBROKER
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    STIBROKER Like My post and enter the DRAWING,,,, Moderator

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    just ask them.....how much life insurance do you have on yourself.....
     
  5. BADTROUT
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    BADTROUT Guru

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    Start with the quote then ask. When we sell a homeowner policy start with a benchmark of the coverage A amount being the face amount of a life policy. Now before all of the experts chime in and say "uggh that's term life, dont listen To Trout..." I'd tell them I've delivered my fair share of checks and I sell plenty of term, and permanent products along with my p&c.

    That said... my point is the old notion that asking them if it's important to THEM takes you out of the roll of consultant and into the roll of order taker and it's about as annoying as rolling through drive through with something in mind, and some high school kid tries to throw you off the scent with a suggestion of the #4 combo... yeah, it pisses me off.

    Get your foot in the door by just rolling into it... because it is important. So things like "ok now that the home is squared away, on your life in surance it looks like..." you go right into the quote you've prepared, as if its inevitable they buy it, but you start asking questions more like "do you feel this is sufficient or maybe are you considering permanent insurance?"

    You are a consultant through and through... it works... try it out and let us know your results in a month.
     
  6. WinoBlues
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    WinoBlues Guru

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    Make them a client first.
     
  7. WinoBlues
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    WinoBlues Guru

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    When I was the "Life Specialist" for three AllState agents I would mine the files. There is almost enough information to take out a loan.

    You know their names, dob, ssn, value of their home, cars, jobs, kids or dependents, how long they have lived in the home. And these people are used to coming to you or working with you or your CSR by phone, email or mail. If you have made them clients as opposed to a customer they want to work with you to the point of thanking you for helping them.

    Ask the life guys if they would pay for leads like that.
     
    Last edited: Jun 2, 2019
  8. somarco
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    somarco GA Medicare Expert

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    Does it also show if they live with their mother?
     
    somarco, Jun 2, 2019
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  9. WinoBlues
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    WinoBlues Guru

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    Ha, probably since she is most likely to be paying the premium. That would be referred to as as low hanging fruit.
     
  10. somarco
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    somarco GA Medicare Expert

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    Probably a joke in there somewhere but think I will leave it alone . . .
     
    somarco, Jun 2, 2019
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