When you are with a life insurance company, and are a captive agent, you cannot write with any other company. New agents always ask this question, you will get tied into that company, and their carriers. I didn’t understand this when I first got licensed, and had to wait a year to get released. If you keep writing the release date is longer! 😩

When I coach my agents, I always do roll call What’s your initial conversation like when determining what’s the best product for your client! This is important to really understand your clients needs, rather than focusing on the check. Some basic questions to ask! What’s your total debt? This is important so you make sure they have enough coverage to cover their expenses Medical questions, go deep! High blood pressure, diabetes? Heart issues, asthma. Age Smoker Are they Intersted in cash growth, or just enough to cover their funeral, or just interested in a death benefit alone. Any other questions you would like to add put in comment section.