If you get heartburn from chasing low commissions … if you work like a mule while your healthy clients remain exposed … if you worry that you may soon lay off your staff, this message is for you.

Imagine adding to your portfolio a Term Life Insurance that sells like hotcakes to individuals and commercial lenders while paying you good commissions?

Would you still have heartburn?

If so, I’ve been there, and I nearly became diabetic from the stress. I know the misery.

For as long as you make those two common mistakes, Life insurance won’t be your cash cow.

 Most business owners who face a cash flow shortfall only hustle more and strain more. But for most of them, that backfires because: 

• Good leads don’t trust hustlers. Wouldn’t’ you have them ask for you instead?

• Your good clients will leave you if you neglect them, unless they see outstanding value.

• Once strained, good employees, look for better jobs. Instead, you could make them own this better job.

Perhaps you don’t struggle, and you don’t need extra sales. But in case you do, a simple fact could make your next quarter.

The simple secret to success that no commission-driven district manager will ever tell you.

Guess what? I didn’t learn this secret from the Insurance Industry either. I was writing software, but it’s not rocket science, and once you see it you can’t ignore it.

Here, in a nutshell.

 The time you spend looking for new clients is inversely proportional to the acceptance rates of each stage of your process.

 And in practice.

It takes 50% more new leads to make the numbers whenever

• Underwriting accepts only two-thirds of your applications, or

• When only two-thirds of your prospect close on an application.

Not one more, not 30% more, but a whole 50% more time looking for new clients!

 And what’s more, it compounds! You could be spending TWICE as many hours because of a mismatch between your product and your client’s needs and underwriter’s sense of risk.

Roll along, and by the time it’s too late, no one will care to buy your business.

 How I Finally Got My Agency Back in the Black

 Let me tell you, my story.

After twenty years of high-tech work left me socially inept, I joined a famous insurance company as a captive agent. That was my first ever sales job, and it started on April 1st, 2020, when a tide of fear-stricken locked-down salespeople hit the phones of every US household with Wi-Fi or a pulse.

In retrospect, I was miserable because I overlooked the disastrous effect of low acceptance rates on cash flow.

Twelve months later, just when I put the key under the door, a friend asked me for help clearing his backlog of Term Life prospects.

“It sells like hotcakes because it’s a Term Life Insurance with Living Benefits for Critical or Terminal Illness that is easy to get approved and pays great commissions.”

Does it truly work, you ask?

A study at the Center for Retirement Research at Boston College found that illness is the primary cause of early retirement among American workers. Still, early retirement can have a substantial financial and emotional burden. This contrast makes term life insurance with living benefits desirable for both employees and business owners. 

On the commercial side, term life insurance with living benefits can offer increased protection to the lenders of your business clients.

According to LIMRA, the sales of combined life insurance with living benefits soared by 25 times from 2007 to 2018. The slow growth during the Covid pandemic was temporary, and growth is expected to resume in 2022.

Would you really thumb your nose at the opportunity to corner your segment of an expanding market?

If Life Insurance was like a casino, these agents might be tarred and feathered.

Adding Term Life with Life Benefits to my portfolio restored a healthy cash flow, helped rebuild my self-confidence and got a second chance to rebuild my agency. Some agents did even better.

• Rosanne found that she could pay for her son’s education AND have quality time together despite the many demands on a single parent.

• Marty, another former tech worker, was devastated when he lost his daughter. Yet, through this opportunity, Marty found a tribe, rediscovered his purpose, and built back a leading agency.

• Ebert is an overachiever who found himself under a mountain of debt after the 2008 Real Estate Crash. Yet, he could rebuild a $1,000,000 book of business in relatively few years

Today could be your day - if you act now.

I am looking for two Life Insurance agents eager to build a solid foundation for real wealth.

Qualify today, and for a one-time fee of $197 today, you’ll get your key to …

• A profitable line of Term Life insurance to add to your book of business that is

• Convertible to life benefit for clients facing chronic or terminal illness, and

• A timely offering when the public is increasingly aware of medications' potentially chronic side effects.

And it all comes as part of a well-established insurance model, including outstanding one-on-one teaching and mentorship, free to you. 

If you are afraid to make waves, if you like to follow directives, if good enough is good enough for you, then stop and ask yourself if you really want to join a group of professionals determined to build a legacy by serving our clients what they want and what they need.

Don’t wait until the inflation hits us like a brick and starts compounding like interest on loans, or like cold calls to meet lead quotas.

It’s a No-Loss proposition. Schedule a call with me, and if we both agree to move forward, there will be a one-time $197 registration fee that you will likely make up for with your first sold Life policy. If you qualify, you will soon enjoy your new line of life insurance. Otherwise, the worse that can happen is that you will have grown your referral network.  

You have nothing to lose besides melancholic customers; so, which will it be?

Do you choose not to see the writing on the wall and keep churning skim milk?

Do you resign yourself to letting success go by today and to be sorry tomorrow?

Are you ready to embrace the life of a successful Life Insurance Agent?

 Which do you want for your business?

Don’t delay, these openings are in demand. Call now at (510) 737-0760.

Yours Truly,

Joel Malard

CA License 212 0220

P.S. Did you know that the average American worker is five times more likely to suffer a critical illness than to die before retirement? You can make a difference today by joining a determined team ready to claim its share of the California Term Life Insurance market.