Many agents and brokers choose their own type of in house, or existing book-of-business lead generation which will create potential sales for the company. While this is the most affordable and reliable way to advertise life policies, there are other opportunities available for agents who have exhausted their existing clientele lists.

Online life leads can be obtained through various sites. Each of them charge a specific amount per lead, however, most will offer a certain amount of free leads as incentive to try the service. The leads are usually emailed to the agents inbox immediately for quick contact, and are live inquiries of consumers looking to buy insurance. Contact information as well as underwriting information will be collected by the generation site, so the agent can prep the conversation.

While life sales are definitely the more difficult type of insurance contracts to close, a qualified agent will know how to build rapport, create a relationship and show the need to the client. In this economy, where so many have cut out unnecessary costs, agents need life insurance lead generation where they can show the importance of preparing for their family’s future.

As an insurance mentor with over 30 years of selling and marketing experience, I can tell that one of the most over looked career opportunities today is the insurance industry. Selling life insurance is a fantastic opportunity, but it does not fit everyone.

Teachers, educators and communication specialist are some of the best people to come into the life insurance selling profession.  Why? Because our job as a life insurance sales person is to communicate ideas to people, as well as educate them.  Plus you want to be an extrovert and not an introvert.  Type A would be good also.

One of my best producers, a few years back was a young man who just graduated college with a communication degree. I never even knew they had some thing like that.  But he just took off gang busters and was the top producer in our agency for a number of years and then he went on to management.

The great thing about this career is a person can build a fantastic career with very little or no up front capital requirement, and create a substantial income.

They can expand into management and even move on to corporate.

The life insurance industry has made it tougher for part-time people and the fly by nighters over the last 10 years. The Insurance agent’s sales force has shrunk to about 1/2 of what it use to be because of a more positive approach as to who the insurance companies are hiring today.

What does this mean to a new person? Quite simply, there is a bigger piece of the pie for you and less competition. There is more opportunity to build solid and stable careers in a bad economy with the insurance industry.

Today’s insurance professional enjoys the opportunity to work with banks, CPA’s, attorneys and many others to assist in their client’s welfare.

It is a very professional business.

Insurance professionals can work in a number of areas such as:

..Selling life insurance

..Selling Property and casualty Insurance

..Selling Medicare supplements

..Selling Annuities and annuity marketing

..Selling Business insurance

..Selling Disability insurance

..Selling Health Insurance

And in each of these career fields a person can specialize in what we call specific target marketing such as:

..Small business insurance

..Mortgage term life insurance

..Estate planning

..Structured settlements

..Plus many more specialty areas.

Read more about “How to become an insurance agent”, along with many articles and training concepts to help existing and new agents succeed in the insurance industry and building stable careers in a bad economy at www.an-insurance-agents-career.com/insurancejobs.html.

Business sense and common sense needs to prevail.

(Basic common sense class 101=.Refer back to economics 101)

You cannot be taxing the medical suppliers and raising taxes on insurance companies (as indicated in this Bill) and having another layer of government agencies involved and expect the insurance premiums to go down. Even the simplest mind has to realize that those costs will have to be passed through to the consumer. (Of course, our elected leaders never attended Economics 101) Their operating economic policies are called (Economics deep pockets 101), meaning they can just continue to tax the people to make something work. No scientific data needed here.

Another big bucket of our money for the Washington Boys to play with

But here is the really big concern. If this health bill passes, all we have done is give the thieves in Washington another bucket of money to play with and they will use to meet deficits and then tell us they need to raise taxes again. Just like social security and Medicare, they used those funds till they broke the bank and now they have no way to pay that back. And they now want to add another entitlement program. Are we going to really let them do this to us at such a critical time in our economy? They have never run any of those programs in a business-like manner. Why, because we just let them keep taxing us, taxing us and taxing us, because they know they can get into the taxpayers deep pockets by just raising taxes. What part of the word stupid don’t we understand?

To quote Margret Thatcher “socialism is a great idea till you run out of other people’s money.

Well guess what, this is really what is happening today. We are screwing our next generation big time. The government is already printing bogus money, borrowing billions from China, (Our Leaders have given already China a first mortgage on our country’s assets last year.)

They are now looking to create another tax bucket, as well as creating new ways to tax the free enterprise community, etc.  Why, because they cannot make due by taxing the entire working force. So they move to the next level and then the next level and so on. They can’t get enough money from the entire working population, so let’s tax, the rich, let’s tax the business community, and let’s penalize those who won’t play our health care game, and so on.

The way for real change

Yes there needs to be changes in the health care system. But how we are approaching it is the absolute wrong way. Our culture towards the health care delivery system must change. We need to streamline health care in our society. The insured’s, the doctors, hospitals, lawyers and insurance companies need to sit down and come together and start taking accountability for the problems that each segment is creating. If not, this national health bill concept will tax us to levels beyond our imagination.

Remember, there is only 100 cents in a dollar.

Our Country, our morality, our integrity, our freedom, our American way is being given away piece by piece, day by day and these politicians cannot see it, because they live in their world and not ours. Please speak up and write or E-mail this article or any parts of it to your senators and congress people if you agree with any of this.

We need some other people to chime in on what they think. Let us know your thoughts.

Thanks…Ted

See Part 1 on the National Health Care Bill