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I've sold life by phone for 15 years. I'm still in the U65 market, I have a fairly easy system and average about an hour per health sale, very good return. However, helping the understand their options leads to life, LTC and life sales.
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If you want to learn how to sell life over the phone, Jeff Root's training site is about to open up their community again to paid subscribers. Get on their email list for the announcement.How do you sell Life over the phone? What carriers?
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I also recommend short-term (and United Health) for those higher income people who absolutely refuse to do anything in Market Place, aka "Obamacare". Just add plenty of supplemental coverage to make sure they have enough coverage.
You can also add dental and vision as another way to boost your income.