My Life Insurance is with My/my Husbands Company

[jdeasy]

Yes you have an excellent point, thank you JD. I like leads too. But post isn't about door knocking vs leads I just want advice on dealing with this objection wherever I may encounter it.

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Then spend all day trying to convince someone to buy something they are not interested in.

Let me give you an example. I am a buyer right now for a new car. I know what I'm going to buy, a 2014 Implala. Just haven't found the one I want yet. Even though I a buye and interested no one could ome t my doo nd sell mesomething othe than a 2014 Impala. I have a salesman that I deal wth at couple of Chevy dealers. I'm not dealing with anyone else. A car purchase is a tangible purchase.

These folks have insurance that thee are satisfied with and insrance is not a tangible sale. The probably have an insuance agent that he woultalk to is they thought about changing.

So knock yourself out.

 

[Arookaria]

I wouldn't say everyone doesn't want my help, a lot don't and I'm on my way but have had many invite me in to talk and ask questions about insurance. I'm really new and just want to get my feet wet and make a few sales before I invest in leads. Never had anyone be rude to me at all. Although did get chased by a BIG dog second day out and barely made it back out the fence gate before fido almost ended this insurance man's career real fast.

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I appreciate the advice JD and I mean that. I've listened to all your interviews and read a lot of your posts. I just don't want to buy leads yet. I plan on buying lots in the future

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Then spend all day trying to convince someone to buy something they are not interested in.

Let me give you an example. I am a buyer right now for a new car. I know what I'm going to buy, a 2014 Implala. Just haven't found the one I want yet. Even though I a buye and interested no one could ome t my doo nd sell mesomething othe than a 2014 Impala. I have a salesman that I deal wth at couple of Chevy dealers. I'm not dealing with anyone else. A car purchase is a tangible purchase.

These folks have insurance that thee are satisfied with and insrance is not a tangible sale. The probably have an insuance agent that he woultalk to is they thought about changing.

So knock yourself out.

I appreciate the advice JD and I mean that. I've listened to all your interviews and read a lot of your posts. I just don't want to buy leads yet. I plan on buying lots in the future

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[Ex Health Agent]

I agree with JD. I only doorknock as a last resort and that is with a lead in hand. I'm not a fan of showing up without an appointment.

 

[rndz7]

I pick up what your putting down. It's the journey. By DK you will learn both how to handle the objection, and Just how right JD can be. Back in 1989, I did it my way, becausecI could not afford what the real successful and established agents were doing. So I experimented, trusted my intuition and sold my agency 17 years later. I am going at this insurance thing differently this time. Only because I can. So knock down the doors, write biz and invest in yourself. Just don't forget to continue to do what made you successful, and be open to change.
Good luck In Denver.

 

[Arookaria]

I pick up what your putting down. It's the journey. By DK you will learn both how to handle the objection, and Just how right JD can be. Back in 1989, I did it my way, becausecI could not afford what the real successful and established agents were doing. So I experimented, trusted my intuition and sold my agency 17 years later. I am going at this insurance thing differently this time. Only because I can. So knock down the doors, write biz and invest in yourself. Just don't forget to continue to do what made you successful, and be open to change.
Good luck In Denver.

Thank you!

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[smokin goose]

It could also be voluntary life. Which is portable, but most of the time is term. I would just ask a couple of questions like who it's through and how much and what kind.

Most likely, they won't know. Then maybe say, "it's possible you're set up with what you need, but just do yourself a favor and inquire about what you have just so you'll know. I'll leave you my card. If you ever have any questions in the future, let me know."

 

[RichMcK]

When you're actively engaged in conversation with a suspect (one you've cold door knocked) and they bring up, I've got insurance at work. Educate them on Group Term, what it is and how it works. Group Term upon a disability, retirement or changing jobs, cancels, changes, reduces. It's not permanent, it has flaws.

Very, very few ever collect full Group Term death benefits while working full time.

I've went from house to house a lot, after they answer your knock, you have only a few seconds to get their curiosity. Don't feel badly when they bluff. Go on to the next house, you will not sell everyone. But constantly work on your wording, once you get the right wording you may be the sales Superman.

 

[djs]

Very, very few ever collect full Group Term death benefits while working full time.

True enough, but how many of the people that don't collect on their group term death benefit collect on other life policies while they have their group term they don't collect on? The answer of course, is 0.

My point being, anyone who thinks this through will realize that they don't need both and the group term is probably much cheaper. According to your own statement, I'm not going to need it.

You've got an uphill battle on your hands anytime someone is covered through work. Not an impossible sale, just a tough sale.

Dan

 

[Tahoe Ray]

True enough, but how many of the people that don't collect on their group term death benefit collect on other life policies while they have their group term they don't collect on? The answer of course, is 0.

My point being, anyone who thinks this through will realize that they don't need both and the group term is probably much cheaper. According to your own statement, I'm not going to need it.

You've got an uphill battle on your hands anytime someone is covered through work. Not an impossible sale, just a tough sale.

Dan

This can be an uphill battle but most "I have coverage at work" people are drastically underinsured, rarely have portability, and have no control if their company suspends or eliminates benefits.

I find these cases to be either lay downs or no chance sales. Either way, worth the time...

 

[LGilmore]

"I have coverage at work"

Try this "how much?", then "is that enough when you look at your situation?"

and finally " do you know when your coverage ends?" Leave em a card.

"If you find when you check it's not what you thought it was, give me a call."

door to door is not my thing. First off, in the west the population is spread out, it's not a productive practice. I could see it where populations are packed in.