The Art of Cold Knocks

I'm a late bloomer and still only in my 4th year as a licensed agent. My full-time start date as an agent was 2/8/2018 so I am still short of two years full time as a producer. The end game is certainly the one you are playing. I have a plan to get there. But it is going to require bloody knuckles and worn shoe leather in the meantime.

My initiation to the life insurance business was orphan leads (very few) but mostly calling from a phone book or Criss Cross directory.

It was brutal. Could have made more $$$ delivering pizza.

Improved when I bought leads but still not setting the woods on fire.

I kept plugging away and eventually discovered ways to make people find me and lived happily ever after.

IMO one of the best low key cold call marketers was/is @Mark. He's not around as much as he once was but his threads are probably still here. Most of his ideas will probably still work.

https://insurance-forums.com/community/members/mark.2788/
 
Things that you might want to keep in mind when cold knocking:

  1. Have a backup to FE when knocking. If you come across someone younger folks have simple term and perhaps a cancer plan to offer
  2. I use a more generic approach that includes the words, "cancer, heart attack/stroke, and serious accidents". These are trigger words that almost every one in the USA can relate to, thereby creating instant interest.
  3. Establish banking upfront. I use this line as soon as I can, "Do you bank in the area?" It's not full proof, but executed properly it can be a low key way to get a bead on the financials in the home.
  4. Take down the names of those you speak to even if they are not interested. Then when you get to the next door, "I've been speaking with everyone in the neighborhood, the Jones in the white house, Sally with all the kids, and Mr. and Mrs. Williams next door. I wanted to stop by and catch you for a second or two, do you have a spot we can sit down?"
  5. Check your face and vocal tone. Both should smile like the sun, and not like the cat that just ate the canary.
Disclaimer: This type of work activity is not for the faint at heart, for those who think they know people but don't, thin skinned or the ugly. (:laugh:) If you have a high opinion of yourself I strongly suggest you don't try this. The American public and whittle you down and out of the business very quickly. Start up cost is $0, leads are free, and the amount of secondhand weed you can ingest in a days time is limitless.
Since I don't prospect in the lowest of income levels, I don't worry about checking accounts.. I don't remember the last time I ran into someone that did not have one. If that were to happen I would give the opportunity to buy on a quarterly, SN or ANN direct bill basis. In the old days, we sold about 80% of our cases on Annual premium.. Don't know why we stopped.. Guess we became afraid to ask for the premium.
 
And knocking on a door with a lead card in your hand isn't a cold call!

Unless, you are using a lead card that is not filled out or was completed by someone else..I like to knock doors with or without a list, with a blank lead card in hand (pink or green seems to work better than white), introduce myself and say, "You may remember receiving a card in the mail like this one that offered free information on state approved burial plans. I am the fellow that takes care of that in this area. My I step in?"...

I do it pretty much like that when prospecting for FE sales. Those are certainly cold doors.
 
Does Combined still send teams out to cold call like they used to?

I don't know and I was never with combined. But @NAF1138 was with Combined. I don't know if he was with them here in PA or if it was before he landed in these parts. I had a combined manager reach out to me to recruit me back in 2017 - not sure how he found me. So he was definitely looking to recruit folks around here.
 
But it is a grind which is why I continue to buy leads instead of just knocking the list - leads are the FE agent's version of "comfort food."

I hear you. That comfort food changes over time.

I used to say there are two types of birds in the world.

Hawk and birds of prey - when they are hungry or just if the opportunity comes by, they go out and kill something. Hunters

Then there are the vultures and scavengers - They wait for something to die or eat the leftovers of the hunters.

I was definitely a hunter and hungry.

Now I believe there are also Trappers and Farmers.

Trappers - I keep 'planning' on learning to trap like using websites to draw clients to me. Just have not gotten around to it.

Farmers - This is more of where I am now. I am into comfort food that is easy to harvest. Sometimes I harvest a chicken sometimes I will have steak. My farm also has private hunting grounds. Just got to tend the farm. Hell, I have been known to tend abandoned farms.

I do don't want to be the boy that wouldn't hoe corn.
 
I hear you. That comfort food changes over time.

I used to say there are two types of birds in the world.

Hawk and birds of prey - when they are hungry or just if the opportunity comes by, they go out and kill something. Hunters

Then there are the vultures and scavengers - They wait for something to die or eat the leftovers of the hunters.

I was definitely a hunter and hungry.

Now I believe there are also Trappers and Farmers.

Trappers - I keep 'planning' on learning to trap like using websites to draw clients to me. Just have not gotten around to it.

Farmers - This is more of where I am now. I am into comfort food that is easy to harvest. Sometimes I harvest a chicken sometimes I will have steak. My farm also has private hunting grounds. Just got to tend the farm. Hell, I have been known to tend abandoned farms.

I do don't want to be the boy that wouldn't hoe corn.
I was taught to build a debit using farming language. "Farming the debit" = Prepping the soil (product knowledge), Planting seeds (prospecting), cultivation (service), harvest (sales), etc.
 
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