I agree. Except for #1 & #41) Hire a telemarketer (i've done webinars on this);
2) Get a dialer
3) Get a quote engine ($10/mo for 1 state)
4) Train the telemarketer
5) Make money
The lazy way is to find someone else to do this and spend lots of money for leads. It's your choice.
Rick
If you're just starting out and low on funds, do the telemarketing yourself.