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As we embark on a new, but familiar, $7 lead generating system for mortgage protection the worry for all of us is quality. It certainly was mine. Most of us have experienced the “aged lead” programs from some of the largest IMO’s out there.

They have been sold several times over-and-over to agents within the organization and passed off as a great lead. Compensating agents with 55% to 70% commissions, or less for some products, with the expectation that you’ll make a living and want to recruit to this program.

Universal Life and Indexed Universal Life insurance can be designed as a flexible, low premium insurance policy that offers the option to provide permanent death benefits and cash value growth potential for the Mortgage Protection market.

These can be designed primarily for the mortgage protection market, UL/IUL can provide at least 20 years of coverage by paying the minimum premium, based on current illustration assumptions. It can also serve as an alternative to term products and has applications for the personal and business markets where there is a need for a fixed or indexed universal life product.

Finding yourself in a sales slump is depressing as well as discouraging. You’re doing everything you know to do; calling leads, following up, and seeing prospects. Nothing seems to come out of it draining your financial cushion.

The first thing to realize is that this is perfectly normal. Sales slumps are part of the dynamic of being a salesperson especially when selling life insurance; the opposite is also true of peak periods. Slumps are bound to happen right after a good steady run. Here are a few ways to push through.

If you’ve been in the life insurance sales business for a while, then you’ve also worked direct mail leads. Whether they were final expense or mortgage protection you’ve ordered them be they “B” leads or fresh you tried and frustration was the result instead of closing.

You’ve heard the promises like, “Our leads are the best on the market…”, “Agents are making $100K + a year on our direct mail…”, or the best one “We absolutely can generate leads in your area…” only to find your returns are low, nobody is buying, or you get three or four leads in your area.