5 Questions Every Advisor Should Ask a BGA | LifeHealthPro

Top independent agents fully utilize at least one BGA/Insurance marketing firm. Here are some excellent questions to ask and things to consider:

5 Questions Every Advisor Should Ask a BGA | LifeHealthPro

Transformation of Body & Mind for Success

While this post is a bit different than what I would have expected, one top gun agent shared his #1 secret; that by prioritizing his physical goals, his professional and financial goals blossomed to reality.  "A year ago I was 40 lbs. overweight, eating lots of fast food, and not sleeping well.  I looked in the mirror one day, and made a decision to transform my body.  A friend of mine did P90x and swore by it, so I bought that.  At first, I couldn't go longer than 15 minutes on any of the workouts, but I stuck with it and kept getting better...going longer...6 days per week.  The process of doing high intensity workouts made me want to eat better; I changed my relationship with food to view it as fuel for my body and mind, instead of eating for pleasure or to deal with emotional issues.  I also almost immediately began sleeping better.  The interesting result that I never expected, was that the process of transforming my body and becoming fit through exercise and nutrition actually fed and drove a success mindset.  I had more ideas, more energy, and more desire to accomplish my professional and financial goals.  Things just fell into place, and I would say to anyone who desires to be a top selling agent - commit and take action on your physical goals first.  You will just be amazed at how it feeds a success mindset.  You have to prioritize this in each day and hold yourself accountable.  I almost always exercised first thing in the morning in a fasted state - the proven best time to promote fat loss.  This worked for me, just find a time to fit it into your schedule every day and don't make any excuses."

Cancer Insurance - a tough sell?

One solution I have been marketing is a Cancer Insurance product designed for the senior market.  Smart design...cash indemnity, both upon diagnosis and a comprehensive schedule of benefits, along with a 10 year return of premium rider.  Issue age to 89 with competitive premiums.


I talk to many agents that don't sell cancer plans, or say they are a very "tough" sell.  One agent who sells a lot of Cancer Insurance (primarily cross selling after addressing Medicare and Final Expense) told me his secret is to ask his client what kind of Cancer Insurance Plan they carry.  The common response is "I don't have Cancer Insurance."  He follows up with, "have you ever known anyone, a relative or friend perhaps that was affected by cancer?"  The vast majority of clients all have some story to tell, and they often are aware of the high costs involved in treatment.  He then follows up with showing them the gaps in their existing insurance when it comes to expensive cancer treatments - Part B and Part D coinsurance, which can span over more than one calendar year, along with non-medical costs like travel for treatments or dealing with loss of income.


This cancer insurance high producer told me, "it's really not tough at all if you have the client/prospect share the story of someone they know or knew to get them invested in the process, and then show them some plan options that fit their budget.  A good return of premium option really helps; when a client knows that if they do not ever get cancer and keep the policy in force for a limited period of time and get all their premiums back, they think that is good insurance to have."  Comments?

Revealing the Secrets

Welcome! Secret: "kept from the knowledge of any but the initiated or privileged: a secret password". So read on and read regularly to learn the secrets of the top producing insurance agents in the country.

I have been selling and marketing mostly commercial finance products for over 25 years, but am new to the insurance industry. In the senior market insurance brokerage field, I get to talk with agents every day; and similar to other industries, we have some truly excellent salespeople...top producers...and I just enjoy hearing about what golden nuggets or secrets they will share to help me gain insight into this industry and help others succeed.

One thing I have seen thus far....the senior market Life/Health insurance industry is so much more complex than I could have ever imagined; Medicare, Medicaid, Social Security - much to know, and so many products/solutions to address needs.

My hope is to learn secrets from the best and whisper them here....with permission of course! Please comment on blogs and let's all get better, be better, and serve better. Thanks!


JLS Marketing Concepts LTD