Sales idea: Review yourself
As an advising professional, chances are you are under-insured. You haven’t stopped to really evaluate what would happen to you and your family if you were to die prematurely because you’re too busy helping others.
Don’t make it a big chore. If you are healthy, don’t use tobacco, and have have a reasonable height to weight ratio, you can qualify for life insurance “for just pennies a day”, as they say on TV. We have an “insurance need” calculator on our term quote program at www.designsinlife.com. That may be all you need to determine how much to buy. If you’re not in the best of health, you have even more reason to get insured as soon as possible – before your medical condition declines further and you can’t qualify at all.
Keep it simple. Buy convertible term. If your health takes a nose-dive, you can convert some or all to a permanent plan of insurance during the conversion period of the policy without having to qualify medically. (Remember that the best type of insurance to have is the kind that is in force when you die.) Or, buy a base of permanent insurance for final expenses and make up the rest of your current need with convertible term.
You need to do this now BECAUSE YOU ARE A PROFESSIONAL! Professionals walk the talk. You can’t sell what you don’t own, and if you don’t buy what you need, you will be a weak advisor to others on that topic.
Final thought: do you really want people at your funeral saying, “They’ve set up a fund at the local bank to help the family with expenses. I thought this person sold life insurance”
Call a “time out” in your busy life as soon as possible and buy life insurance on yourself. Announce that you have done so to your family – your spouse will be thrilled! Announce it to your staff, and encourage them to do the same thing – they will! Taking care of yourself will create a natural selling environment in every meeting you have with your clients. You’ll be able to present with more confidence and certainty.
Oh, and by the way, with our high payouts, your first year commission will make the net cost out-of-pocket on that first year premium very low.
So, what are you waiting for? Just do it! (You KNOW you need to…)
