How to Start Selling Life Insurance & 21 Tips for Success (2023)

Life insurance sales can be a challenging profession, but it can also be financially and personally rewarding. Diverse individuals from a wide range of backgrounds can be successful in the field. If you've been seeking a career where you can set your own hours and interact with many people, life insurance sales will allow you to do both of those things. 

Still, it's not a career for everyone, and it's good to be informed before you jump in. In this article, we'll cover what it takes to succeed at selling life insurance. You'll learn some of the positives of life insurance sales, as well as the challenges that are part of the profession. 

How Much Money Can You Make Selling Life Insurance?

The median wage for life insurance agents in 2020 was $52,180, while the top 10 percent of agents earned over $127,840 during that time.

With such high potential earnings, it makes sense that so many people gravitate toward this career path. However, it's imperative to understand that those earnings are directly dependent on individual performance.

Is Selling Life Insurance a Good Career?

Before getting started in selling life insurance, it's a good idea to consider the type of work you'll be doing. Selling life insurance can be an amazing career, but you should consider how comfortable you are with some of the unique aspects of the profession first.

Benefits of selling life insurance

There are many of positives about a career in life insurance sales. Here are just a few.

Low barrier to entry

Life insurance salespeople come from a wide range of backgrounds, and there are no specific educational requirements beyond a high school diploma. You can get certified and licensed to sell life insurance without completing a degree program. Requirements vary by state, but attaining licensure and certification usually only takes a few weeks or months at most.

Flexible hours

Life insurance sales isn't a typical nine-to-five job. You need to be available when your clients and prospects are available. Often, that means you're free to take off during the day and meet with a client in the evening or on a weekend.

Job opportunities

Life insurance has been around since Roman times, and the first life insurance companies in the U.S. started during the 1700s. As the population grows, so does the field of life insurance. According to the U.S. Bureau of Labor Statistics, the number of insurance sales agents will grow by 7% per year between 2020 and 2030.

High commissions

Because purchasing a life insurance policy is typically a long-term commitment, the commission for life insurance agents is much higher than for other types of insurance. Agents might earn as much as 100% of the first-year premiums for a life insurance policy, before dropping to more standard rates of around 5%.

Passive income

Because life insurance policyholders tend to favor annual renewals, ongoing commissions can become a form of passive income for agents. You still need to work to maintain relationships and encourage ongoing renewals, but these ongoing commissions can add up to steady income.

Challenges of selling life insurance

Before you start a career in life insurance, it's important to consider a few downsides, too.

A commission-based career

Life insurance agents earn their living on commission. That means that starting pay isn't as high as some other jobs, and your primary earnings are based on commissions for the policies that you sell. Life insurance sales earnings build over time, but it can take a while to get going.

Not a back-office job

Successful agents are able to communicate effectively with potential customers, in person, over the phone, or online. If you have trouble asking others to complete financial transactions or make a commitment, life insurance sales could be challenging for you. 

Hunting for leads

When selling life insurance, you're responsible for finding prospects and converting them to sales. Because your compensation relies upon commissions, the more prospects you can locate and convert, the more money you will earn.  The opposite is true, as well.

Uncomfortable conversations

Life insurance benefits are paid when the subscriber dies, so you'll need to be able to ask customers questions like "If you died tomorrow, would your family be able to pay their bills and continue their lifestyle?" Not everyone finds it easy to be that direct with others when talking about a difficult and emotional subject. 

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Communication skills are critical

You'll work with diverse people in presenting life insurance policies. If you don't have good communication skills — or you aren't at least willing to develop them — life insurance sales may not be a fruitful career for you.

Types of Life Insurance Products to Sell

When you're considering a career selling life insurance, it's helpful to know the products you'll be selling. Here are some of the most common types of life insurance products.

Term life insurance

This is the most common type of life insurance, and it's popular due to its simplicity and low premiums. Term policies pay out only if the policyholder dies during the policy period (usually 20 or 30 years) and offer no cash value otherwise. These policies are ideal for young, healthy buyers who can secure affordable rates and use the savings to invest in other financial securities.

Whole life insurance

Also known as permanent life insurance, whole life policies never expire. They pay out whenever the policyholder dies, regardless of how old, and they build cash value over time. They come in several forms, such as universal life or variable universal life, but they all work in essentially the same way. The insurance company invests a portion of the annual premiums, and this investment produces a cash value that the policyholder can tap into when they need it.

These policies are ideal for clients who don't like the idea of only receiving a benefit if they die, but they're much more expensive than term policies.

Final expense life insurance

Final expense life insurance is a type of whole life policy that's designed to cover the costs of funeral and burial expenses when you die. It's less expensive than other whole life insurance policies because it covers a much smaller amount. It's a great option for policyholders that want to supplement their existing coverage to ensure these final expenses don't eat into their beneficiaries' payments.

Mortgage protection life insurance

This type of coverage is designed to protect the policyholder's family from the burden of paying off a mortgage if they die prematurely. Unlike other types of life insurance, the beneficiary is actually the lienholder, not the family members. If the policyholder dies, the policy would pay off the remaining mortgage balance, freeing the family from any future monthly payments or liability. This coverage is ideal for someone who is underinsured and unable to afford more life insurance due to poor health qualifications.

Indexed universal life insurance

Another form of permanent life insurance, indexed universal life offers the greatest flexibility as an investment product. Returns are based on the chosen stock index and can be higher than in other whole life policies. However, that potential return also comes with a higher risk. These products are best suited for policyholders who want to be actively involved and treat their life insurance as a major part of their investment portfolio.

Other types of life insurance

These are just a few of the primary types of life insurance you can sell. Within the broad categories of term and whole life insurance, there are many different policy types to consider. Group life insurance policies are also a great way to boost your sales success. There's a policy to fit any type of prospect you work with during your career as an agent.

How To Get Started Selling Life Insurance

If you want to sell life insurance, the first thing to do is get familiar with the rules and regulations. Study and learn the licensing information in your state or other states where you want to sell, and pass the licensing exam. The life insurance licensing exam can be challenging, but with study and effort, you can be successful. Not all states publish the results of insurance exams, but you can see the pass rates for different exams and states by visiting the National Association of Insurance Commissioners (NAIC) website.

Another starting step is to apply for and receive an NPN (National Producer Number) through the National Insurance Producer Registry. An NPN number is essential to selling life insurance. Fortunately, companies that hire people to sell life insurance are experienced in helping prospective salespeople through the process of passing exams, licensing, and registration.

Other steps in getting started in selling life insurance are less formal. For instance:

  • Prepare for rejection — possibly a lot of it. Prospective customers might be contacted many times a day with sales opportunities, and discussing the reasons why people need life insurance can be uncomfortable.
  • Work on your relationship skills. When someone decides to buy life insurance, part of their decision will be based upon the product, but much of their decision will be based on their confidence and trust in you as the salesperson. Get the strongest start you can by building up your relationship and communication skills.
  • Find a mentor. Working with a successful mentor in the industry can help a lot when you're getting started. A mentor can give you a good idea of how to initiate conversations with prospects and how to close sales.

Top Sales Tips for New Life Insurance Agents

If you've chosen to become a life insurance agent, you've picked a challenging and rewarding career. There are many different tips to help you to get started successfully and grow your career. We've put together a few of the most important ones to help you as you get started.

Tip #1: Specialize in a product

Insurance agents tend to be more successful when they master a few products up front instead of trying to be a jack of all trades. Mastering a product means knowing more about it than your competition and providing clients with valuable insight and tips on that product.

Learn about the various types of life insurance we covered above, as well as the many subtypes you can sell. Choose one or two that fit your passions and your target market. You can always add more as you have success. Keep in mind, too, that life insurance also has different market customer levels, from entry-level to mid-level to elite or high-end policies and customers.

Tip #2: Understand your target market

Once you've chosen your area or areas of specialization, it's time to complete one of the most important life insurance selling tips: study your target market. Understand their challenges, goals, and how your product can help them.

For example, term life insurance is most prevalent in people aged 25-45 who are working their way through key life events. This is typically the age group buying homes, getting married, building families, and saving for kids' college funds. They usually have a lower net-worth than older age groups and higher debt-to-income ratios.

Knowing these facts can help you understand the market on a more personal level. It's fairly easy to see that many people in this age group worry about what would happen to their families if they passed away. A wife and mother of three, for instance, is likely concerned about whether her family could stay in their home and pay bills if she were to lose her income.

(Video) How To Make Money As An Insurance Agent in 2022 (For Beginners)

As such, she is probably looking to ensure that her spouse has everything they need to take care of these things. Insight makes it much easier to determine your target market's needs and help find potential solutions.

Tip #3: Gain knowledge through real-life experience

Any time you start a new job and go through training, you have the opportunity to ask questions. Unfortunately, it's common to have few or no questions at all during training, as it can be challenging to be aware of your knowledge gaps until they come up in practice.

For example, if you were to start a job as a server in a restaurant, you might think of a few questions while in training. However, you likely wouldn't think about the ingredients in a particular dish until a customer asks about them.

The same goes for selling life insurance. You can read all of the books and training materials you can get your hands on, but they will only teach you so much. Much of your knowledge will only come from experience.

Don't think you need to learn it all before you head out into the field. Gather all of the knowledge you can from your available materials, but know that every day is a learning experience.

Tip #4: Be strategic

Think about how you can market your products and yourself as a life insurance agent. This can also help you to determine your strongest specialty area and how to prioritize prospects. 

The life insurance field is complex, but it also rewards experience and commitment. As you gain experience and knowledge, you can develop a specialized focus on specific products or customer demographic groups. Not only will this help you to narrow down your prospects, it will also help you to be more effective in closing sales and presenting products to customers.

Tip #5: Be consistent

It's important to prospect consistently. You will not sell to every single prospect you meet, but the more you prospect, the more you will sell. Try these tips to help:

Determine whether you want to sell life insurance full time or part time. This decision will impact everything from the number of leads you generate to the number of people you meet with regularly.

Set a goal for a specific number of sales presentations to do each week. Full-time life insurance agents should aim to complete anywhere from 10-15 presentations each week. Part-time agents might aim to complete five to seven each week.

Sell to large markets to have plenty of leads. It's hard to complete 10-15 presentations each week if you don't have a large enough market. Choose mass-market products, such as term life insurance or final expense life insurance.

Tip #6: Have a strong work ethic

We've all heard the saying, "Hard work pays off." When it comes to selling life insurance, successful salespeople focus on a strong work ethic, setting goals, and sticking to a busy schedule. Writing down your own expectations of yourself in the form of a business plan can help you to identify the steps you need to take to meet your work and productivity goals selling life insurance.

Tip #7: Seek ongoing education

Life insurance may seem straightforward, but the field changes rapidly. It's important to stay up on trends in the industry and understand the different products that you specialize in and can offer to customers. 

There are also other factors to consider when working with your prospects and presenting policy alternatives. Your ability to understand the issues that your customers face in their daily lives — as well as concerns they may have about their family's future — could be the key to making a sale and building up your earnings as a life insurance agent.

Tip #8: Know your product

You must be knowledgeable of the life insurance products you sell to be effective in a sales presentation. Review all of the policy options thoroughly and be prepared for any questions the client may ask you.

For example, be prepared to explain all the different types of term and permanent life insurance and what the advantages and disadvantages are for each type.

Some talking points include the costs and benefits of term and permanent life insurance policies. For instance, term life insurance is less expensive, while permanent life can be more expensive but it also provides a cash value.

You can also stress the benefits to young couples of purchasing life insurance while they are young and healthy and qualify for cheaper life insurance premiums.

Tip #9: Consider tools to help you grow your business

On top of a lead-generation partner, there are several other tools you should consider to set yourself up for success. These include:

  • A customer relationship management (CRM) system to keep track of your prospects and customers and manage your book of business
  • A website for marketing yourself and your products
  • Life insurance quick estimator tools that will allow you to quickly build and modify quotes based on your clients' needs
  • A client profiler like Prudential's — a comprehensive fact finder to help you uncover any and all life insurance needs with a client
  • A HIPPA Authorization form for clients to ensure you maintain HIPAA compliance with the release of health-related information

Tip #10: Get to know your clients

Invest some time in getting to know your customers and their objectives so that you can present the ideal insurance options to fit their unique circumstances.

Then, conduct a needs analysis to determine how much life insurance your client requires to meet their goals. Once your clients realize you care about their future and developing a long-term relationship, they will begin to trust you and be more willing to buy your life insurance products.

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Tip #11: Build trust and relationships

As with any type of sales, relationships are critical to your success as an agent. Life insurance deals with a sensitive area of people's lives. That makes it even more important to establish strong relationships and build trust with your prospects and clients.

If someone feels like you care more about landing a commission than you do about their family's needs, they'll quickly lose interest in your life insurance sales pitch. Focus on getting to know them, learning their concerns for their family's financial future, and finding the right product to meet their needs.

Reviewing the client’s personal life insurance goals will build trust, which is a vital part of the agent-client relationship. If your client trusts you, you've already won half the battle.

As you build strong relationships, you open the door for more opportunities with that client in the future — and you increase the likelihood that they'll refer you to others.

Tip #12: Sell solutions

As a life insurance salesperson, you develop the ability to solve problems. Often, people come to you with concerns about the well-being and financial stability of their families. You can provide solutions to their problems.

When a client expresses concern, pitch them on your life insurance products as well as the answers to their financial difficulties. If prospects perceive life insurance as a way to assist them in solving a problem, you improve your odds of selling them a life insurance policy.

Tip #13: Thoroughly explain the options and premium costs

In making your sales presentation, be sensitive to how much life insurance your client can afford. Not everyone is in the same financial situation. Don’t pressure a prospect to buy a life insurance policy that's out of their range. You're not doing your client any favors.

That customer may run into money trouble down the road and won't look favorably upon you for putting them into a financial bind. Life insurance is available in many different varieties, and there is a policy available to suit every type of family budget and financial situation.

Tip #14: Highlight benefits with a visual presentation

People remember presentations better if you include visual materials such as charts showing costs or a page of highlighted policy benefits. If your clients see and hear your presentation, it helps them understand it better and sticks with them long after the meeting is over.

Don’t be surprised to find that including visual aids with your life insurance sales presentations helps you close more sales.

Tip #15: Practice your presentations

There is no shame in doing a practice run of your sales presentation. Your presentation should be smooth and flow naturally, although you don’t want it to look like it's rehearsed. Stand in front of a mirror and make note of your facial expressions. You want to look friendly, confident, and well prepared.

Taking a video recording of yourself is a great way to see yourself as clients see you. Review the video and work on any presentation points you may need to improve. Just remember, you still need to be prepared to change your presentation based on the client's concerns and questions.

Tip #16: Prepare for overcoming objections

It may take some time to become comfortable with overcoming objections, but it's an important part of your life insurance sales presentation.

It is important to stay relaxed and respond naturally when presented with an objection. Keep your tone of voice even and respond confidently with information that can change the prospect’s negative perception to a positive one.

The most important thing about an objection is to acknowledge it. Once you’ve given your best answer, ask the client if they have any additional questions and do your best to answer each objection in the same calm, confident manner.

Tip #17: Ask the right questions

The only way you are going to find out about what the client hopes to gain by purchasing life insurance is by asking the right questions. What are the client’s life goals? Are they looking for a policy with a cash value option to help with retirement savings?

Once you know what the client’s goal is and what they expect from a life insurance policy, you can present the product portfolio of your life insurance products that best fulfill the client’s needs. Once you present all the options, ask the client if these options will help fulfill their goals.

Tip #18: Leave some reading materials behind

You won’t always make a sale on the day of your presentation. Leads may need some time to think things over and decide what options fit with their current situation. If you leave some reading materials behind that go over all their options, this will help the client make an informed decision.

Make sure you also leave your contact information behind, so the client can give you a call if they have more questions.

Tip #19: Thank your clients for their time

Your client’s time is valuable, and you should show your appreciation that they have agreed to hear your sales presentation. Be respectful of the scheduled time allotment for your presentation and don’t go over it.

(Video) How to Use Whole Life Insurance to Get Rich

Acknowledging that you value the client’s time will go a long way toward building trust in your professional relationship with them. A small token of appreciation, such as a hand-written thank you card, is a personal touch that will let prospective clients know you value their time.

Tip #20: Don’t forget to follow up

According to a global research firm, LIMRA, there has been a steady decrease over the last 10 years of employers offering employer-paid group life insurance. With this in mind, that opens up the door for more life insurance sales opportunities.

However, to secure the sale, you should never forget the importance of following up after that initial customer contact. If you fail to follow up, it shows the prospective client that other things are more important to you than getting back to them on their life insurance purchase.

All it takes is a simple call to ask if the client has any questions to help you make the sale.

Tip #21: Have a consistent flow of new leads

When it comes to being a successful life insurance agent, the biggest challenge is lead generation. There are several steps you can take to find quality leads:

Conduct your own marketing

You can create a website for yourself or your agency and leverage various marketing strategies to help generate more life insurance leads, but it takes a lot work.

Making this effort is worth the reward, and establishing a converting website should certainly be part of your lead generation plan. However, building the website, getting your marketing channels to drive quality traffic, and building a following takes time. You likely will not see the results of this effort for a while.

Ask for referrals

Another useful way to generate leads is to reach out to your current clients. You can ask them for referrals (friends and family members) who might benefit from using the life insurance products you sell.

It's also important to remember that your current clients' needs will adapt as their lives change. While they may have needed term life insurance when you first started doing business, you can revisit them later to discuss the benefits of switching to a whole life plan.

Work for an insurance company

Many life insurance companies provide their agents with leads. This can be helpful, but it also comes with a price: a lower commission. The company takes part of the money you make in exchange for giving you the lead in the first place.

Join Assurance as an independent agent

If you prefer to work for yourself but would benefit from strong support, especially when first getting started, consider working as an independent life insurance agent for Assurance.

The Assurance platform empowers you to sell life insurance whenever, wherever, and however you want. With Assurance you will have access to Assurance's User Engagement Specialist Team who will help you sort out things like carrier issues, and you'll never be left to figure things out on your own.

You'll also have access to a wide variety of training sessions made available each week to broaden your knowledge and skills on selling life insurance. Assurance will also assign you a dedicated sales manager, who will work closely with you to help you reach your sales goals.

And most importantly, Assurance will relieve you of the pressure to have to source your own leads. Instead, Assurance sends you pre-qualified life insurance leads. With Assurance's leads you'll be speaking directly with people who have already expressed interest in finding life insurance coverage.

These leads cost you nothing — you don't have to worry about paying for marketing or other limits on your earning potential. Instead, you can focus entirely on what you do best, and that's selling life insurance. Learn more about selling on the Assurance Platform.

Buy your leads

Following each of the tips above can provide benefits, but maybe you prefer not to work through someone else's platform or need time to get your website and marketing going. If you need a helping hand with getting started on your own, consider buying life insurance leads.

Buying leads is a great option for agents who are less enthused about marketing and networking or are simply looking to grow their book of business without eating up too much of their valuable time.

Start Growing Your Life Insurance Business Today

During the course of selling life insurance, you will meet a wide range of people. Everyone's situation is different, yet they all share one thing: All of your prospects are interested in using life insurance to protect their loved ones and valuables. You'll be surprised that most Americans do realize the value of a life insurance policy.

And if you don’t have time to spend marketing and nurturing leads, Nectar can provide you with qualified life insurance leads who are eager to buy life insurance from you. We'll only send you leads that meet your chosen criteria. This way, you can start growing your insurance business right away.

This article reflects the features of Nectar as of the date of publication. Features are subject to change at any time. This article is meant for informational purposes only, it is not a guarantee that using Nectar will help you achieve specific business or financial results and is not intended to serve as the sole recommendation for any business financial decisions.

(Video) Top 5 Tips To Sell A Lot Of Life Insurance


How do you start a conversation selling life insurance? ›

5 Conversation Starters for Insurance Agents to Get Prospects...
  1. Ask Topical/Seasonal Questions. ...
  2. Ask Prospects to Tell You About Their Family (this includes pets!) ...
  3. Ask Opinion Questions. ...
  4. Ask Prospect for Advice. ...
  5. Ask Prospects About Previous Insurance Buying Experiences.
1 Jun 2021

How do you convince a customer for life insurance? ›

Find distinct factors your prospect will respond to, such as best value, high coverage, or payment convenience.
  1. Educate Consumers. Never underestimate or overestimate how much or how little prospects know about your products. ...
  2. Tell Relatable Stories. ...
  3. Discuss Costs in a Positive Light.
10 Mar 2022

How do you introduce yourself as an insurance agent? ›

I want to introduce myself as a new insurance agent in the area. With over 35 years of experience in the financial services industry, I am excited to expand my expertise to a new set of clientele. I take a consultive approach when working with my customers, and I always aim to provide the best solution available.

What is the most important thing which a sales person needs to succeed in life insurance industry? ›

The key to being a good insurance agent is putting the needs of the client first. In order to do this, it is essential an agent listen carefully to what their prospective clients need and clearly demonstrate their interest in providing a proper solution. No one wants a stereotypical salesperson that won't stop talking.

How can I sell life insurance fast? ›

6 Tips for Cross-Selling Life Insurance to Clients
  1. Engage your non-life licensed Customer Service Representatives. ...
  2. Bring up life insurance in every conversation. ...
  3. Discuss life insurance during a P&C (property & casualty insurance) sale. ...
  4. Follow up with new customers. ...
  5. Give customers a quick life insurance quote.

How do you sell insurance to customers on call? ›

Tips to sell insurance over the phone
  1. Create an opening and closing: Practice makes a man perfect – so, create a sales call opening and closing that you are comfortable using. ...
  2. Be organized: ...
  3. Prepare for objections: ...
  4. Ask questions: ...
  5. Listen: ...
  6. Evaluate your success and failure: ...
  7. Be sincere: ...
  8. Customize your conversation:
25 Jun 2019

How do you successfully sell life insurance? ›

How to Sell Life Insurance Successfully
  1. Lean on Referrals. Your insurance company will provide you leads; you may get lower commissions, though. ...
  2. Keep Up With Changes. ...
  3. Understand Your Target Audience. ...
  4. Consider Specializing. ...
  5. Try Cold Calling. ...
  6. Invest in Continuous Learning.
16 Aug 2022

How do I increase my customers? ›

10 Ways to Get New Customers
  1. Ask for referrals. ...
  2. Network. ...
  3. Offer discounts and incentives for new customers only. ...
  4. Re-contact old customers. ...
  5. Improve your website. ...
  6. Partner with complementary businesses. ...
  7. Promote your expertise. ...
  8. Use online reviews to your advantage.
6 Apr 2017

How do you sell insurance effectively? ›

Grow your pipeline with these selling insurance techniques.
  1. #1 – Provide solutions not policies. People hate sales pitches and scare tactics. ...
  2. #2 – Create realistic goals. ...
  3. #3 – Surround yourself with success. ...
  4. #4 – Provide for your loved ones. ...
  5. #5 – Talk less but listen more.
19 Oct 2017

What are 3 ways to introduce yourself? ›

You can use the below phrases to introduce yourself:
  1. I don't think we've met (before).
  2. I think we've already met.
  3. My name is ...
  4. I'm ...
  5. Nice to meet you; I'm ...
  6. Pleased to meet you; I'm ...
  7. Let me introduce myself; I'm ...
  8. I'd like to introduce myself; I'm ...
1 Sept 2021

What are 5 ways to introduce yourself? ›

  1. Stick to The Context. The essential thing to understand before introduce yourself is the context of the situation you are in. ...
  2. Talk about who you are and what you do. ...
  3. Make it relevant. ...
  4. Talk about your contribution. ...
  5. Go beyond what your title is. ...
  6. Dress the part. ...
  7. Prepare what you are going to say. ...
  8. Body language.
14 Sept 2020

What things to say when introducing yourself? ›

A self-introduction should include your name and occupation (or desired occupation) and key facts that will help you make an impression on the person you're communicating with. In a few sentences, cover the most important things others need to know about you.

How do I get more leads for selling insurance? ›

That's why we've curated this list of six approaches to lead generation for insurance agents just getting started.
  1. Ask for referrals. ...
  2. Be active in your community. ...
  3. Go old school. ...
  4. Go new school. ...
  5. Start a referral program. ...
  6. Network like you mean it.
29 Jul 2022

Why is selling life insurance so hard? ›

Difficulty #1: Commission-Based Pay

The majority of life insurance companies classify their agents as independent contractors. They offer neither base salaries nor benefits. This means an agent can work a full week, but if the agent puts no sales on the books, they go without a paycheck.

Is it hard to make money selling life insurance? ›

The career of a life insurance agent is lucrative but involves constant hustling, networking, and many instances of rejection before a sale is ever made. Life insurance agents might be given a small salary to get started but are otherwise primarily dependent on commissions to make a living.

Can selling life insurance make you rich? ›

Is It Possible To Become A Millionaire Selling Insurance? A big yes. But like any other job, it takes time to be good at what you do and attain such income levels. Top agents earn anywhere between $100,000 to one million dollars.

How can I sell insurance without being pushy? ›

How to Sell Insurance Without Being Salesy
  1. Create a Client profile For every prospect. ...
  2. Ask questions to determine their Risk. ...
  3. Sum up the Amount of coverage needed. ...
  4. Run the quote for that amount. ...
  5. Find out if this fits into their budget. ...
  6. Close the Meeting with Class.
18 May 2020

How do I get insurance clients without cold calling? ›

Use social media and email marketing, reach out to current and former clients, and don't be afraid to work through innovative channels for your insurance marketing.

How do you sell insurance over the phone example? ›

11 Tips to Closing the Deal when Selling Insurance Over the Phone
  1. Listen carefully and engage them. ...
  2. Avoid jargon and slang. ...
  3. Be prepared for the call. ...
  4. Script your pitch. ...
  5. Establish yourself as an expert. ...
  6. Build rapport with your prospect. ...
  7. Show them you're listening. ...
  8. Don't give up.
5 Oct 2022

How do you sell life insurance interview questions? ›

Search Insurance Agent Questions:
  1. Question: What are your expectations from this position?
  2. Question: What interests you in a career at Bankers Life?
  3. Question: Why do you want to sell insurance?
  4. Question: What was your role in your previous job?
  5. Question: What was your most liked position and why?

What words attract customers? ›

10 Powerfully Persuasive Words Your Customers Want to Hear
  • Free.
  • Exclusive.
  • Easy.
  • Limited.
  • Get.
  • Guaranteed.
  • You.
  • Because.
2 Aug 2016

How do Beginners attract customers? ›

Here are some smart strategies you can use to identify and attract those critical first customers.
  1. Make a list. ...
  2. Look for referrals. ...
  3. Work your network. ...
  4. Show it off. ...
  5. Attend industry events. ...
  6. Team up with other business owners. ...
  7. Build an online presence. ...
  8. Spread the word on social.
5 Aug 2019

What are 5 ways to keep customers happy? ›

How to keep your customers happy
  • Listen to them. ...
  • Know your industry better than anyone. ...
  • Reward loyal customers. ...
  • Create ongoing, engaging content. ...
  • Be transparent. ...
  • Respond promptly to feedback. ...
  • Commit to innovation. ...
  • Anticipate their needs.

How do I sell over the phone? ›

5 Tips on How to Sell Over the Phone (and Mistakes to Avoid)
  1. Look for Interest Signals By Asking Discovery Questions.
  2. Practice Handling Objections to Get to The Truth.
  3. Stay In Control of the Call.
  4. Actively Listen to the Prospect.
  5. Present All Relevant Data Honestly.
7 Dec 2020

How do you explain life insurance to customers? ›

Explain to your clients that life insurance is a way they can relieve their loved one's financial stresses and allow them the space they need to grieve without worrying about money. After all, life insurance is about preparedness and care for your loved ones more than anything.

How stressful is selling insurance? ›

Well, that depends on what causes you stress. CareerCast ranked being an insurance agent 155th out of 200 on the worst jobs list. They rank the stress as “average,” whatever that means. A good income makes up for a lot of stress for many people, so that helps.

How do you introduce yourself quickly? ›

Self Introduction in Interview
  1. Dress Appropriately. ...
  2. Prepare What To Say. ...
  3. Begin By Greeting the Interviewer. ...
  4. Include Your Educational Qualifications. ...
  5. Elaborate on Professional Experience (if any) ...
  6. Mention Your Hobbies And Interests. ...
  7. Be Prepared For Follow Up Questions. ...
  8. Sample 1.

How do you introduce yourself in 5 minutes? ›

First Greet them, 2) start for your full name, 3) your educational with institute name with year of passing, 4) about your work experience what you have mention in your resume from past to present in short sentence, 5) Last your Family, family consist of mother, father, elder/younger, brother/sister.

How can I introduce myself in 500 words? ›

500+ Words Essay on My Self
  1. My Family and My Childhood. I'm from a middle-class family of Bihar, I am Naresh Shukla. ...
  2. My Education. I am studying at the best school in my city. ...
  3. My Strengths. In compare to studies, I am good at sports. ...
  4. My Weaknesses. As every man have weaknesses, so have also. ...
  5. My Ambitions in Life. ...
  6. Conclusion.

What is the first greeting you say to introduce yourself? ›

1. Hello, [name]! This is one of the most standard greetings in English, and it's probably one of the first phrases that you've learned.

How do you introduce yourself in 2 minutes? ›

General and Short – within a two minute self-introduction speech, you need not tell them your whole life story. Keep it general and short. State your name, your age if you are comfortable, and your course if you are a student and your future goals. The same goes for professionals at work.

WHAT TO NOT SAY IN introduce yourself? ›

6 Mistakes To Avoid When Introducing Yourself
  1. “Hi, I'm [Name], [Title] of [Company].” ...
  2. Here's what I can do for you! ...
  3. Ramble on and on… and on… and on… ...
  4. Surrender your spotlight. ...
  5. Body language blunders. ...
  6. Forget your business cards.
13 Nov 2018

How do I learn to sell? ›

15 Sales Skills
  1. Find your comfort level.
  2. Learn to habit stack.
  3. Get strategic about prospecting.
  4. Become an industry expert.
  5. Supercharge your communication.
  6. Stay on the radar.
  7. Harness your empathy.
  8. Be a team player.
12 May 2021

What makes a good seller? ›

Good salespeople should be honest from the start and should only want to sell you something that you need for your personal and professional success. And yes, that means being honest — even if being honest means losing a sale. Be honest with the customer about what the company can truly provide.

What personality makes a good sales person? ›

A person with a sales personality tends to embody all of the traits that lead to superior sales performance: inspiring genuine trust, building strong relationships, finding the right solutions to the right problems, consistently following up, showing grace under pressure, and closing higher-value deals faster.

How do you convince a customer to buy an insurance policy? ›

Find distinct factors your prospect will respond to, such as best value, high coverage, or payment convenience.
  1. Educate Consumers. Never underestimate or overestimate how much or how little prospects know about your products. ...
  2. Tell Relatable Stories. ...
  3. Discuss Costs in a Positive Light.
10 Mar 2022

How can I increase my leads quickly? ›

  1. Ask for a Referral. Referrals are an easy way to make your customers feel like you care about them. ...
  2. Request a Testimonial or Case Study. Another easy way to compliment your customers is ask them for a testimonial or case study. ...
  3. Respond to Social Media and Customer Support. ...
  4. Feature Real Users in Your Marketing.
22 Jul 2022

How do you become a closer in insurance sales? ›

Five Sales Closing Tips for Insurance Agents
  1. Sell the value. ...
  2. Sell the value. ...
  3. Share examples, ask questions. ...
  4. Share examples, ask questions. ...
  5. Take your time.
  6. Take your time.
  7. Under promise and over-deliver.
  8. Under promise and over-deliver.
7 Jun 2019

What is the golden rule of sales? ›

The golden rule of sales is: pitch to people who buy what you sell.

What are the 4 sales strategies? ›

The four basic sales strategies salespeople use are script-based selling, needs-satisfaction selling, consultative selling, and strategic-partner selling. Different strategies can be used with in different types of relationships.

What are the top 10 success factors in selling? ›

The top ten success factors in selling
  • Tenacity – sticking to the task.
  • Organisational skills.
  • Verbal communication skills.
  • Proficiency in interacting with people at all levels within an organisation.
  • Demonstrated ability to overcome objections.
  • Closing skills.
  • Personal planning and time management skills.
2 Aug 2018

What questions do life insurance agents ask? ›

The insurance agent will ask questions about your job, assets, and financial obligations to get an idea of why you're applying for life insurance, and whether the amount you're applying for makes sense with your financial situation.

How do you sell yourself sample answers? ›

Example: 'I have many strengths that help me be successful at work. First, I have a strong work ethic that drives me to meet deadlines well ahead of schedule. I enjoy feeling the sense of accomplishment that comes with doing a job well and on time.

What skills do you need to sell insurance? ›

Below are some of the characteristics a successful insurance agent needs to complete their puzzle:
  • People Skills. People skills are the number one characteristic of a successful insurance agent. ...
  • Good Salesmanship. ...
  • Customer Service Skills. ...
  • High Energy Level. ...
  • Honesty. ...
  • Knowledge on a Variety of Products. ...
  • Choose the Right Carrier.

How do you sell yourself answer? ›

How to Sell Yourself in an Interview
  1. Find Out Who You'll Be Talking To. ...
  2. Ask Good Questions. ...
  3. Practice Talking About Yourself. ...
  4. Study the Main Points You Want to Mention. ...
  5. Show Them That You're Excited About the Position. ...
  6. Give Examples of What You've Achieved. ...
  7. Keep the Needs of the Company in Mind.
10 Oct 2022

What are the skills of a life insurance agent? ›

Insurance Agent skills and qualifications
  • Strong business and sales skills.
  • Analytical skills.
  • A positive, ambitious attitude.
  • The ability to use computer software programs designed for insurance companies.
  • Excellent knowledge of all insurance policies.
  • Excellent customer service skills.
  • Strong negotiation skills.

What are 5 factors I need to consider when purchasing life insurance? ›

You'll want to consider several factors when calculating how much life insurance you need. These include your age, overall health, life expectancy, your income, your debts and your assets.

What are 3 reasons you may be denied from having life insurance? ›

4 most common reasons why insurers deny life insurance claims
  • The death happened during the contestability period. ...
  • The type of death wasn't covered in the policy. ...
  • You failed to disclose relevant personal information. ...
  • You failed to keep up with policy premiums.
1 Jun 2015


1. For New Insurance Agents - Basics On Selling Insurance
(David Duford)
2. 3 Simple Steps To Close An Insurance Sale!
(Cody Askins)
3. How to Achieve Extraordinary Success in Group Insurance Sales – Robert Crowder
(The Benefits Trust)
4. How To Succeed As A Life Insurance Agent!
(Cody Askins)
5. How to be Successful as a New P&C Insurance Agent
(Nicholas Sakha)
6. How to Be Successful in Your First Year Selling Final Expense Insurance
(Douglas Massi)
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