The following is Final Expense Leads. And for those of you who want to find a similar explanation, you can search in the Insurance category
Final Expense Leads | Jabar Post Indonesia
Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses, such as funeral expenses, can also be included in the benefits.
Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot, and civil commotion.
Modern life insurance bears some similarity to the asset management industry and life insurers have diversified their products into retirement products such as annuities.
Life-based contracts tend to fall into two major categories:
Protection policies: designed to provide a benefit, typically a lump sum payment, in the event of a specified occurrence. A common form—more common in years past—of a protection policy design is term insurance.
Investment policies: the main objective of these policies is to facilitate the growth of capital by regular or single premiums. Common forms (in the U.S.) are whole life, universal life, and variable life policies.
This video is all about Final Expense Life Insurance Leads, I’m talking about Direct Mail Leads, Avatar Leads, Internet Leads, TV Leads, Live Transfer TV Leads, just about any lead that you can think of for final expense sales. When it comes to final expense life insurance leads, the golden standard is and always has been the Direct Mail Lead.
What a lot of final expense field agents tend to do is mix their avatar leads in with their weekly order of direct mail leads or they use avatar leads when they don’t have direct mail leads. Unfortunately, using avatar leads as a primary lead never seems to work for anyone. There is only so much data available therefore it becomes more and more difficult to get these leads. This is why avatar lead vendors have a hard time filling weekly lead orders for any one agent.
The quality of an avatar lead will never compare to the quality of a direct mail lead. There is a reason that the price of avatars is so little compared to the cost of direct mail leads.
Most tele market leads are garbage because they are resold over and over again. If you can find a tm lead vendor that will ONLY sell the lead to you and not resell it, then this lead can actually be as good if not better than the direct mail lead.
I prefer to use direct mail leads and only direct mail leads. The ideal that the prospect has to do an action is very important. They fill out the lead card putting their phone number and address on the card and then they have to stick it in the mail box. This makes it easy for the prospect to remember when you go knocking on their door or call them for the appointment.
You can take a direct mail lead and knock on the prospect’s door a year later and they will recognize the handwriting. I have sold several leads that were months old and even over a year old.
Live tele market leads are good too. The idea of a live marketer speaking with the prospect and asking them if it’s ok for a representative to contact them is very attractive. The problem with these leads is that they are almost as expensive as the direct mail leads but they are not nearly as good.
When it comes to selling final expense over the phone, avatar leads and tv leads are the best. With avatar leads you can get a lot of them, cheap. All you do is put them into your dialer and let the dialer do its thing. This is a great way to speak with a lot of people in a short amount of time so you can cherry pick the people that show interest. Live TV Transfers are the best type of lead for selling over the phone. Think about it, the prospect sees the commercial and calls in. You are the one who answers the phone so all you have to do is keep them on the phone, find the need, build value and lots of rapport. These leads tend to be very expensive and work best if you are purchasing them for a small group of agents.
Unfortunately, tele sales tends to work best if you are good at hard closing and not giving up on the call until the caller hangs up on you. The problem with this type of sale is that the persistency and placement are low compared to selling face to face.
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