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Thanks Jerry
Also Briko3 do you think if I was to just say
Hi my name is Jessica... rather than Jessica from.... would work better? I think it would stop people hanging up as fast but think maybe people would think I'm rude, or could be some sort of scam not using your company name?
Jessica, use your name and jump into the reason for your call.
Now why are they going to say yes to an appointment?
Because you can do something for them, like put their mind at ease. You have important info they need to know. Most aren't going to think they don't have enough insurance or need a review.
To overcome this, you need to create doubt and concern in their minds, and if they want the answers to put them at ease they need to sit with you.
Perhaps they have a policy that will blow-up on them. How do I know if my policy is ok? I'll need about a half-hour of your time to review your policy.
"When's the last time you heard from the person who sold you your policy? How long ago did you buy your policy? What kind of policy did you buy?"
Have there been changes to the industry in the past few years? Mention these as the reason for your call. They may be overpaying for their policy, or their policy is inferior given the changes over the past couple years. You need to sit with them to educate them and make sure the insurance they have still makes sense.
What's B2B? I'm guessing F2F is face 2 face?
Do you think actually going to peoples houses door knocking would be more effective than ringing? I am only 19 so I think at least if I'm calling they don't realise I'm younger until I see them and I can get some time to build some repour (sorry do not know how to spell that word :S) over the phone, but even though I am young I have made sure I know my products extra well so they don't have any reason to doubt me.
I have done flyers advertising a dollar a day life cover but haven't got much back from that.
I really just want to start getting clients :/
"Hi Bob? This is Jessica Lastname; you won't recognize the name because I'm just cold-calling off a list, and I hate making these calls as much as you hate getting them. Would it be OK if I take 30 seconds to tell you why I'm calling and then you can decide if you want to hang up on me? (The vast majority will laugh and say "Go ahead.")
If they say no then you say: "OK, that's the end of the sales call. Before I hang up can I ask you one quick marketing question? When was the last time you had your life insurance reviewed by a professional agent?"