I heard that one but really listened to it when the 2 live crew did it lol
Who Only Works Appointments and Makes a Great Living?
- Thread starter Bcrane0305
- Start date
I heard that one but really listened to it when the 2 live crew did it lol
Interesting topic, I'll bite. This has been my experience only, so not looking to debate.
I've run strictly T65 for the last 5+ years. T65's after leaving a captive carrier I was with for 5 years. T65 is an okay (albeit competitive) time in a clients life to meet them. As long as your initial meeting goes well, and you're well versed in cross selling other products (life/annuity) you'll do well.
Present yourself, warm up prior to solving their issue. Once they gain faith in you from showing why your suggestion is the best, pivot to other issues. The main thing is getting the person to like/trust you. Once they do and they somewhat see your value, they'll run and grab statements/etc when you ask them to.
That's my "secret", if anything. Work hard, forget about that big sale (or chargeback) get out there and grind it out. I lost 100% of my renewals when I went independent, and over the last 5 years now have enough renewals to pay 100% of my family of 4's bills. I've gotten "lazy" after a few of my larger sales ($30k+) which has really set me back from where I could have been by now (renewal wise). Unfortunately once I hit +$50,000 in pending new business I'd back off a bit. And by backing off, I got my ass handed to me a few times through a major "upline" screwing every case I'd submitted.
You have to watch out for YOUR own, do not trust your "upline", to be watching Ht/wt charts, diabetes, heart conditions/etc. You can list them all in plain black and white to them with a signed client statement of health for the quote/illustration, but it doesn't matter. Look up the clients conditions YOURSELF.
Everything I've done since I went independent 5 years ago, has been from cold calling with targeted lists/dialer and referrals. I really enjoy what I do though, from helping people with their Medicare, estate plan, to solving an income solution for them. One thing I've held onto from being captive is, don't bank on any niche too closely as our government can/will at some point screw it up.
As for leads, I'll get roasted by most here, but at least where I'm at you don't need them as long as you have the drive to generate your own. I've bought ZERO leads since going independent. To each there own, as I'm happy with what I've built over the last few years without buying leads. They seem to me like having to work for someone, like having to work to buy more leads. Like a fiend looking for a fix, which is why I became self employed to begin. I don't want to rely on anyone but myself for my families income. Build your clientele, and it gets easier. You'll get calls from people you don't even remember from 4 years ago who's folks passed and want advice after selling their parents farm. Although that won't happen everyday, as long as you've done your job and built a FAMILY relationship, it could be profitable for you. To be completely honest, I haven't bought a "lead" in over 5 years, since leaving a major captive and cutting off all of my renewals. Not to mention, abiding by my non-compete agreement.
I've run strictly T65 for the last 5+ years. T65's after leaving a captive carrier I was with for 5 years. T65 is an okay (albeit competitive) time in a clients life to meet them. As long as your initial meeting goes well, and you're well versed in cross selling other products (life/annuity) you'll do well.
Present yourself, warm up prior to solving their issue. Once they gain faith in you from showing why your suggestion is the best, pivot to other issues. The main thing is getting the person to like/trust you. Once they do and they somewhat see your value, they'll run and grab statements/etc when you ask them to.
That's my "secret", if anything. Work hard, forget about that big sale (or chargeback) get out there and grind it out. I lost 100% of my renewals when I went independent, and over the last 5 years now have enough renewals to pay 100% of my family of 4's bills. I've gotten "lazy" after a few of my larger sales ($30k+) which has really set me back from where I could have been by now (renewal wise). Unfortunately once I hit +$50,000 in pending new business I'd back off a bit. And by backing off, I got my ass handed to me a few times through a major "upline" screwing every case I'd submitted.
You have to watch out for YOUR own, do not trust your "upline", to be watching Ht/wt charts, diabetes, heart conditions/etc. You can list them all in plain black and white to them with a signed client statement of health for the quote/illustration, but it doesn't matter. Look up the clients conditions YOURSELF.
Everything I've done since I went independent 5 years ago, has been from cold calling with targeted lists/dialer and referrals. I really enjoy what I do though, from helping people with their Medicare, estate plan, to solving an income solution for them. One thing I've held onto from being captive is, don't bank on any niche too closely as our government can/will at some point screw it up.
As for leads, I'll get roasted by most here, but at least where I'm at you don't need them as long as you have the drive to generate your own. I've bought ZERO leads since going independent. To each there own, as I'm happy with what I've built over the last few years without buying leads. They seem to me like having to work for someone, like having to work to buy more leads. Like a fiend looking for a fix, which is why I became self employed to begin. I don't want to rely on anyone but myself for my families income. Build your clientele, and it gets easier. You'll get calls from people you don't even remember from 4 years ago who's folks passed and want advice after selling their parents farm. Although that won't happen everyday, as long as you've done your job and built a FAMILY relationship, it could be profitable for you. To be completely honest, I haven't bought a "lead" in over 5 years, since leaving a major captive and cutting off all of my renewals. Not to mention, abiding by my non-compete agreement.
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- 26,146
Wino, did you say something about someone on the forum
had big knockers?
Dude! I just spit Zinfandel all over my desk.
Big cold knockers. Those will poke an eye out. Or at least chip a tooth.
had big knockers?
Dude! I just spit Zinfandel all over my desk.
Big cold knockers. Those will poke an eye out. Or at least chip a tooth.
- 389
Zinfadel?Wino, did you say something about someone on the forum
had big knockers?
Dude! I just spit Zinfandel all over my desk.
Big cold knockers. Those will poke an eye out. Or at least chip a tooth.
Crown or Jack is a man's drink, lol
Shooter
Was always partial to 151 proof rum... None of that sissy 80 proof whisky for me.
- 389
Was always partial to 151 proof rum... None of that sissy 80 proof whisky for me.
That is strong Rousemark.
But I drink mine straight out of the bottle.
Shooter
So did I.. or on the rocks..or with coke... didn't really matter a whole lot.
- 26,146
Ha, I can and do Bourbon. However, if I am doing big cold knockers I prefer a warm smooth wine.
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