How To
Attract And Sell More Life Insurance Prospects In One Month, Than
Most Advisors And Planners Will See In An Entire Year!
Are you struggling to find prospects
(leads) who have the money and want to buy life insurance in this
economy? Have you been reading and seeing the reports about
all the financial problems middle income families are having today?
Have these reports convinced you that no one has any money, because
of::
-
Out of control Consumer Debt
-
No Savings
-
Stock Market Losses
-
Low Interest Rates
-
Soaring Federal and State Taxes
(Income, Property and Sales Taxes)
-
Falling House Prices, (No Home
Equity)
-
Foreclosures, (Upside-down
Mortgages)
-
Disappearing Jobs (Companies
Folding)
-
Flat Wages
-
Increasing Bankruptcies
-
Unavailability of Mortgages
Only a
small portion of the US population is affected...
Yes, all the above are serious
problems. However, don't believe all the gloom and doom, when
it comes to your financial services business. The fact is that
even with all the above financial problems we hear about, there is
still plenty of opportunity for you to sell life insurance and make
money, in this industry.
Consider,
90% of families across the nation are still employed. As
of April 2009, unemployment is less than 10% across the United
States, with the worst areas still under 15%.
A recent survey says 43% of US
families still have equity in their homes.
Even though home prices continue to
drop across most of the country, the mortgage debt on only 20% of
U.S. single-family homes exceeded the estimated current value of
those properties as of Dec. 31, 2008... says First American
CoreLogic, a real estate information firm based in Santa Ana, Calif.
The problem is most acute in Nevada, where the percentage is 55%,
followed by Michigan (40%), Arizona (32%), Florida (30%) and
California (30%). Stripping out those five hard-hit states, the
national percentage is about 14%. In New York State, the tally
is just 4.7%.
Only, one in every 159 U.S. households
with mortgages got a foreclosure filing in the first quarter of this
year, according to RealtyTrac, that's only about 0.6%.
There are still plenty of mortgages
available! Generally speaking, 'sub-prime'
mortgages are gone, because mortgage lenders have gone back to the
lending rules of the 80's that they should have been following right
along. They are requiring borrowers to have better credit scores,
more substantial down payments and better debt-to-income ratios -
especially if the borrowers want to qualify for the best interest
rates on a loan. So, while home mortgages are harder to get
for people who have financial problems, they are still readily
available for most of the population.
All these
problems makes what we do even more relevant and important!
Consider, even in these troubled times,
the the vast majority of peoples' overall financial concerns aren’t
much different than at any other time in their lives. They are
still concerned about meeting their financial obligations each
month; making their mortgage payment; saving for their children’s
education; and saving for retirement. The only real difference
is that during a recession, people are forced to focus their
attention and deal with their financial problems right now.
Most people are looking for real help and immediate solutions to
their financial problems! They want to reduce or eliminate
their debt, cut unnecessary expenses, reduce income taxes, revise
their investment strategies, and more!
And, the great part for you is they are
much more willing to sit down and talk with a financial advisor, if
that advisor is adept at, and focused on, helping them to solve
their immediate financial problems. They are not looking for
another salesperson who wants them to spend more money.
If you want to attract and sell more
Life Insurance prospects in one month, than most advisors and
planners will see in an entire year, then stop listening to all the
gloom and doom! Instead, start getting your message out to
your ideal prospects on how you are able to help middle income
families to... 'Live Debt Free and Truly Wealthy'
especially during this troubled economy.
Yours In Success,
Lew and Jeremy Nason
'The 9 Out Of 10 Guys'
"Lew and Jeremy,
Again...thank you for everything... I feel so much better informed,
educated, and knowledgeable than ever before.
I am
also excited about reaching my goal of submitting a minimum of
$30,000/mo. each month in 2009!
Thanks to you guys, I
know it's going to happen. Have a
great day!"
Bryan
Schurter, FMM, RFC,
CA, October 2008 (4 years in business)
____________________________
Message
to Financial Advisors…
You have a great opportunity to
really help your prospects to weather this last financial storm and
help them to enjoy a rich life now and in the future.
People need and want your help to achieve the financial security
they’ve been dreaming about and deserve. Aren’t life insurance
and
annuities a way for us to give these middle-income families the
safety, guarantees and growth they are looking for? When
are you going to get back to the basics and start actually helping
people, instead of just trying to make a sale? Jeremy
and Lew Nason
