Has anyone ever had experience asking for referrals from people who turn them down on a cold call?
Headhunters work this way all the time. They call asking if you know anyone who would like this totally awesome, high paying job, with everything you ever wanted to do.
Of course, they hope for 5 referrals AND the fact that the job would interest you.
I haven't gotten these calls so much in the insurance business. Got them all the time in hi-tech. It was interesting though, they defused the cold call by simply looking for referrals, or at least positioning it that way.
I might try this (using a P&C example):
"Hi Mr. Prospect"
I'm a local insurance agent here in town, and I was just notified of a rate reduction for homes that were built 10-15 years ago. Do you know of anyone who bought their house 10-15 years ago who would like to see if they can lower their insurance premium?"
(okay, needs a LOT of work, but that isn't the point).
Dan