Mark Meurer....

[ims01]

Just like you sell term, but you email them an illustration to review on the next call. If they are replacing, you have them send you the dec page and the most current statement. You may not want to replace something that will cause significant surrender charges.

 

[Crabcake Johnny]

I think life and health agents are two different animals. You can absolutely sell health online but there's not as many moving parts as life. I think a truly great life agents needs to sit down with their clients for a proper needs analysis and to properly go over all the available life choices.

I think if you got the 10 best life agents in the country together in one room, not one of 'em sells online. Just a guess -

 

[moonlightandmargaritas]

I think life and health agents are two different animals. You can absolutely sell health online but there's not as many moving parts as life. I think a truly great life agents needs to sit down with their clients for a proper needs analysis and to properly go over all the available life choices.

I think if you got the 10 best life agents in the country together in one room, not one of 'em sells online. Just a guess -

Yes, yes, and yes.

Most agents don't know how to analyze an illustration, never mind a potential client.

You can apply this to health insurance too. I rarely send anyone a "quote" (and never more than one) until I have some commitment from them about becoming a client.

If what they want is "quotes", they can get that from ehealth...

 

[Mr. Bill]

M&M I don't get your avatar. Makes me think of Kevin Bacon, but I don't think so...

 

[Crabcake Johnny]

A PPO is a PPO - or I can explain a HSA easily online.

However, a complete needs analysis for a proper life quote takes time. Then there's UL, WL, term, perm with term riders, ROP, annuities, etc...

I can't see how you can talk to the husband and wife about their options and properly explain them online.

If your only goal as a life agent is kicking out cheap term online just to make a commission I feel sorry for your clients. Not much better than NAA.

 

[moonlightandmargaritas]

M&M I don't get your avatar. Makes me think of Kevin Bacon, but I don't think so...

Tampa native, and jazz saxophonist extraordinaire, David Sanborn.

 

[Crabcake Johnny]

I have most of Sanborn's CDs.

 

[ims01]

You are right that the top life agents in the country sell face to face. It is a must to sell mega policies. My goal is to sell a lot of middle market term policies ($250,00- $5,000,000) which I do all day long. The moving parts are face amount and term. Needs analysis is: mortgage, kids, income and budget. I also sell a lot of key person and buy/sell policies. We have agents doing $250,000/$300,000 in premium a year.

 

[STIBROKER]

you going to have to give up your man card now......have a nice day...........

I have most of Sanborn's CDs.