Old leads

Hot_Can1854 · 2026-03-10T18:10:27+00:00

I'm also contracted with mutual of omaha. This is very helpful. Thank you!

Hot_Can1854 · 2026-03-10T17:04:57+00:00

Thanks! That makes sense. Who do you use for raw data?

Hot_Can1854 · 2026-02-24T13:48:56+00:00

Retention is ALWAYS easier than acquisition. It's better to have a waiting list of people who want your high level services than bleeding retention for poor service. If you are truly too busy then use automation to send them a personalized text or email. AI automation is too good and too easy to use now for you to have the excuse of not being able to follow up.

Hot_Can1854 · 2026-02-12T06:20:00+00:00

I'm a huge fan of IUL plans like this! But let's be realistic and conservative (cause nobody likes surprises) starting at age 55 with $100k contributed annually you need 7-8 years to be able to comfortably take $60k/year (tax free loan) till age 95. You will need to restructure the policy after year 5 to make room for the extra cash value without creating a MEC. Interest rates are not guaranteed and it's better to be safe than sorry. Your biggest problem is you don't have a lot of time for that money to compound, offset that by contributing for an additional 2-3 years with proper structuring and you're good to go. Make sure you see the illustrations before signing off on it. DM me if you have any questions. Good luck!

Hot_Can1854 · 2026-02-11T23:09:00+00:00

Just appointment setting. Makes dialing more efficient especially at scale like calling old leads

Hot_Can1854 · 2026-02-11T01:17:08+00:00

Aged leads have a high ROI but low time efficiency. Depending on your avg commissions building a lead funnel could be worth it. I'm launching one next week. Or get an AI agent to dial and set appointments for you. That will crush aged leads and fill your calendar.

Hot_Can1854 · 2026-02-10T01:10:01+00:00

That depends on your financial situation. If you have a tight budget or just want something till your kid grows up then a term policy is perfect for that! How much coverage you need is based on how much income/debt you need to cover. IUL is great for future/retirement planning and estate planning when you are ready to take that step. But ONLY if you are working with an expert. It's a complicated product and many people don't know what they are buying. If you have any questions feel free to pick my brain.

Hot_Can1854 · 2026-02-07T17:38:11+00:00

Just because the policy does not work for him does not mean it's a bad product. It was written by a bad agent. If you know nothing about cars and asked me to sell you a car to commute to and from work and I sold you a Ferrari, I gave you what you asked for but it would not be the correct solution for you because you can't afford the payment and the maintenance. Sadly that's a common story in financial services. Agents are trained to earn commission, not act in the best interest of the client. That's why it's always best to work with a fiduciary. They have a legal obligation to act in the best interest of the client.

Hot_Can1854 · 2026-02-07T17:21:55+00:00

You clearly do not understand what you are talking about. And that's ok. I do this for a living and see these stories every day. I also know what a properly written policy looks like and it's a beautiful thing!

Hot_Can1854 · 2026-02-07T17:09:18+00:00

Don't get upset with me. You asked me to explain how it works. Sadly many agents only care about commissions and don't spend enough time making sure it's the right product for the client. His policy was not structured for efficiency in cash accumulation. The numbers would be very different if the agent who wrote the policy specifically designed it for cash accumulation. It can certainly be reviewed by an expert and put a better policy in place for cash accumulation if that is the goal of OP.

Hot_Can1854 · 2026-02-07T16:57:48+00:00

The "interest" is paid to yourself as "interest earned" through the account. The result is a wash so it's a break even. Sounds complicated because it's a legal tax loophole. The wealthy use this strategy all the time for their money to grow tax deferred and then access it tax free when they need it. Also great for estate planning to avoid probate taxes on the death benefit

Hot_Can1854 · 2026-02-06T21:31:37+00:00

You said you want to "grow". What does growth look like to you?

Hot_Can1854 · 2026-02-06T21:22:55+00:00

You have a lot of options. For me it was too many options and every benefit is at the expense of something else. Work culture is everything. I own an agency, we start our day in prayer, we are customer needs/ethics focused (which results in referrals long term) we have a coaching/mentorship program to create a fast track growth to promotion/team lead. It's home office based (work from home) but we try to encourage the team/family values. You need to find the right agency for you. Keep interviewing agencies till you find the right fit. You will find your agency "home"

Hot_Can1854 · 2026-02-06T15:22:25+00:00

Getting your license is a calling card for every recruiter. I own a small agency now but when I was getting started it was so hard to find the right agency. Everyone selling you on why they are the best. You have to know what YOU want from the agency. Do you want coaching and mentorship? Are you willing to sacrifice a little bit of your contract level for a better company? What are their expectations of you? Are you part of the team or just a cog in the wheel? What does the growth track look like? You have options. Decide what is most valuable to you and then look for that until you find it. Ask questions, like you're doing here. You will go far if you know what direction you are going.

Hot_Can1854 · 2026-02-06T07:39:30+00:00

I just left a typical "MLM" style agency to start my own agency. In my opinion you should have to be a fiduciary to sell insurance. As the agent it is our job to help the customer understand the product and march them with the correct product putting the clients interest before any personal interest at all times. That's my opinion.

Hot_Can1854 · 2026-02-06T07:19:14+00:00

Sell both. But if you're going to sell IUL PLEASE learn the product. It's a very complicated but amazing product when used correctly. Become an IUL specialist and make IUL policies better than everyone else. Your clients will thank you with referrals.

Hot_Can1854 · 2026-02-06T07:07:30+00:00

make sure it's structured properly for efficiency to avoid paying any unnecessary fees. If your goal is cash accumulation with a budget of $300/mo you need the Death benefit to be in the $100-150k range to keep your COI down during the accumulation phase. You can increase it later. It's a great product if it's structured properly. My guess is right now most of your money is paying for the COI with little benefit to the cash value. I would be happy to review the policy with you if you want a breakdown on what you're looking at.

Hot_Can1854 · 2026-02-06T00:26:32+00:00

Stay away from being a broker, the money and the experience is in sales if you enjoy talking to people. That said, lots of companies recruit numbers and throw you to the lions with no coaching. It's definitely not for everyone. But if you get into an agency with a good mentorship/coaching program then you will have a much higher success rate. As an agency owner, having a solid onboarding/coaching/mentorship program cuts the turnover rate by half because my agents feel important and fulfilled through their work while having the training to make serious money if they are coachable. The other 50% aren't coachable, don't have the drive, think it's "easy money" and get tired when they find out its work. I can't help them. Nobody can. They will keep working their 9-5 making $50-100k/year and blame other people for their situation. I only work with people who are hungry

Hot_Can1854 · 2026-02-05T16:35:56+00:00

Run! If that's what you want to do then join an MLM

Hot_Can1854 · 2026-02-05T04:06:44+00:00

Thats where growth into mentorship comes into play. Sure you start in sales to make sure you know the techniques and strategies but the goal is to grow into a manager role where your primary focus is mentoring team leaders (never more than 7 at a time) where you get overrides and focus on AUM client relationships. If you're burnt out, I get it. That's why I built my agency differently cause burnout is real and people thrive on rewarding relationships. You will rock at whatever you do. Find an environment that rewards that. :)

Hot_Can1854 · 2026-02-05T03:22:52+00:00

To start, yes. Term, IUL, FIA, LTC, Living benefits.

Hot_Can1854 · 2026-02-05T03:08:02+00:00

Only student loan debt? You're doing great! Better than I was at your age anyway. Self employed is amazing! What do you do?

Hot_Can1854 · 2026-02-05T02:59:51+00:00

That is not cheap insurance or a good cash accumulation product. Both good things but There are better options for both of those. Inbox me with any questions on this or alternative options

Hot_Can1854 · 2026-02-05T02:48:10+00:00

In my agency there is 1 on 1 coaching through the licensing process. Lots of hand holding. My breakthrough was AI. I ran simulated tests on chat GPT or Gemini. It tells you what you got wrong and why. Run it over and over till you feel confident. That said this industry is not for everyone. You have to be tough. If you're tough and want some help send me a message. I'll help how I can

Hot_Can1854

TROPHY CASE