Term Life Insurance Q&A
- Why should I choose BeyondQuotes?
- Which companies do we represent?
- Is BeyondQuotes licensed where I live?
- Is my information confidential?
- Do you only offer rate quotes?
- How do we choose which companies to represent?
- How much Term Life Insurance do I need?
- What are "level" policies?
- What should be the term length?
- Is it worth insuring my spouse on my policy?
- Can you explain the difference between Term and Whole Life plans?
- I suffer form a pre-existing condition. Can I still be insured?
Applying for a Policy
- How do I apply for Term Life Insurance?
- How do I find the best value plan for my needs?
- What is the waiting period between applying and coverage?
Life Insurance Leads
We Out Give Real Time Exclusive Leads
The life insurance industry is more competitive than ever these days. To gain an edge as an insurance agent you must find a source of leads that help you. There are thousands of companies out there that will offer you "guaranteed life insurance leads." The first thing to understand is that there is no such thing as a guaranteed lead. There are a certain amount of leads that just don't pan out.
Any kind of sales position is a game of numbers. The more prospective customers you talk to, the more sales you will end up with. So, it is crucial that you find leads that actually lead you to more sales. Anyone with access to the internet can make a list of leads and sell them to anyone. It is important that you take a realistic approach when buying life insurance leads. You are not going to get a miracle list of potential clients.
But, if you do your research and explore the many companies offering life insurance leads you can find a lead company that does its research and can provide the best leads they can. To some point you may have to weed out the bad from the good. Sometimes the only way to do that is trial and error. If you find a lead company that gives you good leads, use them again and don't be tempted to go to a company that promises what it can't deliver.
Once you have found a good source of life insurance leads it is best to act like, and be a credible source of information.
If you come across as an agent who cares more about the client's needs than your own commission you will find yourself converting those life insurance leads in to actual sales. If you come across as a salesman you will turn prospective client off. Remember, sales is a numbers game. You need to be extremely efficient when trying to turn leads in to sales. If you are a credible source of information as opposed to a high pressure salesman you will find more sales than the salesman that is out for himself. Credibility will always trump pressure when it comes to making the most of you life insurance leads.
To be able to give your clients the best information available you have to understand the life insurance completely. Also, don't think that you can educate yourself once and be done. The life insurance industry is constantly changing and you have to keep up with these changes. The education process never ends.
In addition to learning about the life insurance industry and the product you can offer, you should know as much as possible about personal finance, tax policy, and the financial markets. All these factors play an important role in any decision a client needs to make, and if you're not sure of yourself it will show, and you will lose a lot of life insurance leads.
Another wise choice to make when looking for life insurance leads is to ask the provider for a sample list. Run the list of life insurance leads and make a determination whether the lead company has done its research. If a life insurance lead company refuses to give out a sample list, and then let them go and find a company that will. If a lead company refuses they may have something to hide. A reputable lead company will be more than happy give you a sample list. They know that if they can provide you good life insurance leads, they will have a repeat and long term customer. A lead company that refuses to give you samples or a money back guarantee then they are probably looking to make a quick buck and move on to the next victim.
As a sales professional, many people come to you for advice. Advice that is driven to help the customer, not provide you with sales commissions. Remember that a list of life insurance leads is not only a source of prospective clients, but a list of people. People who have lives, people who have loved ones. They come to you, as a professional in a vulnerable position and it is important that you never take advantage of anyone who is vulnerable.