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.

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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.

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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.

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Is your FMO/IMO acting ethically regarding your career? After all a course in ethics is required every two years to maintain your life insurance license. The FMO/IMO in this case is the seller of value and you as a producer is the recipient expected to trust in the value the FMO/IMO is promising.

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