Life Insurance Free Quotes

How To Sell More Insurance Online

Bragging Post

Twelve months ago, this life insurance blog didn’t exist.  In the past 6 months, I’ve taken 24 life insurance applications from leads I’ve generated solely through this website, with just over $30,000 commission as a result of thoseapps.  Let me stop for a second here and say I realize that $30,000 is not a whole lot of money, but if you compare what this blog has generated with my other website (HuntleyWealth.com), the results are amazing. 

I spent thousands on that Huntley Wealth site, and have never generated one sale from it, and here I have this simple blog bringing in over 500 visitors per month and converting the traffic into leads.  It’s really quite laughable when you compare the two sites.  My Huntley Wealth site is beautiful, but it was set up all wrong so no one can find it on a google search. 

In fact, twelve months ago, I had no web presence at all.  Now, you can do a Google search for terms such as “insurance for cigar smokers” or “life insurance that pays you back”, and I’m on the 1st page!  A year ago, I was only licensed in the state of California.  Now I hold non-resident licenses in 15 states and am selling life insurance all over the U.S..  My insurance buddies and general agency have begun asking me how I built a website that successfully generates sales so quickly.  Well, let me start by telling you what hasn’t worked for me.  

I’ve been a life insurance ag

Full Post…

An Insurance Policy You Won’t HATE! Life Insurance with Long Term Care and 100% Return of Premium

If you’re like me, you HATE paying insurance premiums.  I can’t stand lining Farmers Insurance’s pockets year after year as I pay my auto premiums and never file a claim.  Perhaps you feel the way about long term care insurance.  You know you need it, but are afraid you’ll pay into it for years and never use it.  Wouldn’t that be a terrible waste of money!  Well, my friend, I have good news for you.  Finally Lincoln Financial came out with a life insurance and long term care product that we can all live with.  If you don’t use it, you can get your money back! 

It’s hard to imagine getting excited about a life insurance product, but with 100% return of premium at any time during the life of the policy and long term care benefits to boot, the revolutionary, new Lincoln Money Guard Reserve is as exciting as it gets in the insurance world. 

3 Key Benefits of LincolnMoney Guard Reserve

1. Return of Premium:  The M

Full Post…

I can’t afford my life insurance premiums. Now what?

With the rough economy, I know some people are struggling to pay their bills.  If one of those bills is a life insurance premium, here are some ideas of how to keep your policy’s benefits without breaking the bank.

1. Reduce the face value – For term and permanent insurance, most carriers will allow you to reduce your face value one time, which will lead to adjusted, lower premiums.

2. Reduce the premium – If you have a universal life or whole life policy with some cash value built up in it, you may be able to reduce your premium without affecting your policy’s guarantees.  Or you might be able to skip a payment or several.  In fact, some people may be able to stop making payments for years.  Even if you’ve had a term policy, you may be able to skip or stop making payments if it was issued more than 10 years ago and if you added a return of premium rider.  Note:  BE VERY CAREFUL to check on how reducing your premium will affect the policy’s guarantees.  Ask your agent or the carrier first before making any changes. 

3. Purchase less expe

Full Post…

Using Magic to Market Your Business

Looking for a creative way to market your business?  Use magic.  People love it.  I incorporate an insurance sales pitch into the trick, but any business can tweak the wording and use this. 

It’s a mind reading trick, and is absolutely great for trade conventions.  I’ve used it successfully at a medical convention and landed some very high net worth doctors.  I’ve also sponsored a hole at a golf event and used it there, which was nice because everyone stops at your hole and usually has to wait a minute to tee off, so you have a captive audience.

The trick goes like this.  You have 6 small, blank pieces of paper, 3 right in front of you, and 3 in front of the prospect.  You tell them you are a world famous mind reader and that you will be reading their mind.  For your first mind reading act, ask them to look into your eyes and think of any boy’s name.  As they think about it, you ask, “Okay, do you have it?  Good.  Write it down,” and you start writing on your 1st piece of paper simultaneously the words “Nothing out of pocket”.

Next, you crumple up the piece of paper you wrote on and stick it in their hand, telling them to hold on to your answer, and that now that you have guessed, they may reveal their answer.  Let’s say they tell you, “Steve”, and reveal the paper that says Steve.  You act indifferently to this revelation, or with a smug smile as if you know you guessed it correctly.

Next, you tell them to think of any type of car in the world and write it down.  You stare in their eyes, give a nod like you’re onto them, and then you write down “Steve”.  Meanwhile, they write down their car, let’s say a “Lexus LS430?.  You repeat the end of step 1, crumple up your paper and give it to them, and have them reveal that it was the Lexus.

Last, you say, “My goodness, you’ve got a difficult mind to read, so for my third and final mind reading, I’m going to ask for an easy one.  You’re going to give me a 50/50 shot of answering this correctly, just to make this easy for me.”

Now you tailor this to your own business, but I say…

“But first, sir, I have to come clean about an itty bitty secret I’ve been keeping from you.  I’m not actually a world famous mind reader.  I actually make a living helping high net worth individuals purchase life insurance with no cost out of their pocket.  Now sir, if you could qualify for a $5 Million dollar life insurance policy, would you rather pay $100,000 annual premium for it or would you rather pay nothing?  Just write down ‘out of pocket’ or ‘nothing out of pocket’, sir.”

They write down “nothing out of pocket” every time.  At this time you write down the answer they revealed from question 2, Lexus LS430.  You crumple it up and hand it to them, and ask them to reveal their answer to question 3.  They say “nothing out of pocket”, of course.

You now have all three of their answers written down in front of you, and you say, “Okay, let’s go ahead and see how I did at reading your mind.”  They open up the three crumpled pieces of paper, and you nail it every time. 

Just make sure you have some way of getting their contact info… a sign up sheet, enter their name to win a prize, etc.  I have really wowed people with this one, so in most cases I was able to just ask for their business cards directly and got permission to follow up.

An Overview Of Life Insurance

Life Insurance is something that is needed and recommended for everyone at some point in their life. It is an agreement on paper between the insurer and the customer that protects them in the event of certain crucial events.

The events that are covered by the policy are: death, critical and terminal illness. Other emergencies are covered as well. Death is the number one reason why most individuals will get a policy. They want to protect their loved ones.

Life Insurance policies are varied. Term is one of the most common policies. Pension is another frequently talked about assurance policy. Pension kicks in after retirement.

Other polices include whole life, permanent and universal. Each of these types of life policies comes with their own benefits and premiums.

Full Post…

5 Reasons to Retire With Pets

If you are nearing the age of retirement and are thinking about life without work (finally!), one thing you might want to consider is adopting a pet. If you can properly care for a pet and don’t have any serious allergies to them, a furry dog or cat, or even a bird can bring with it marvelous benefits as you go into retirement.

Companionship
Obviously pets bring companionship into our lives. Usually even more so than other people aside from your spouse. It is a pet that is there on a rainy afternoon for companionable silence while you curl up with a good book. It could be a dog who greets you with joy and a wagging tail every time you walk in the door, or a cat that sleeps next to you at night, providing that extra sense of warmth and comfort. P

Full Post…

New Look to the Garden State Website

recently updated its website. Let me know what you think, how it looks, what it is missing, etc.