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I was wondering if any Independent Life Agents are set up to sell through the Internet opposed to setting up a face to face meeting after calling your leads?
There are insurance companies that will set up a website for you and clients can apply for insurance right there on your site.
You can google it or send me a message and I can get you more info.
Face to face has a very low ROI due to "windshield" time, etc... I would focus on phone, email, and internet.
I would be happy to share best practices.