The thread is nearly 6 years old, so some thing I've written I haven't updated.
First, the medical close - is for a non-committed prospect... and they're still not committed. I wouldn't bother with it anymore, but here it is anyway:
"You need to think about it. So does the insurance company. How about we get you examined and make sure the insurance company can make you an offer. Until you have an offer, you don't have anything to really think about. If you write a check for the 1st month, you can be covered now as well."
Yes, you can one-call close a term policy. John Savage taught many decades ago the 4 questions that need to be answered before a buying decision can be made.
1) How much? An amount you can easily afford.
2) What kind? The best kind to start with - a term policy.
3) Who from? Well, since my competition isn't here, I humbly recommend that you buy your insurance from me.
4) When? I recommend we do it today because I'm only recommending an amount you can easily afford.
You hinted at something else. Yes, this business is a relationship business, but you don't have to work with pre-existing relationships to be successful. (That's the philosophy of lazy managers who can't teach you to prospect because they want to collect a salary themselves. So they only promote "project 200" referrals.) If that was the case, then only members of the "Lucky Sperm Club" would be successful.
The reason you make a call for insurance &/or financial planning... is to ESTABLISH a PROFESSIONAL relationship on the basis of your offering and what it can do for them. The more your offer is targeted for their benefit, the greater the chance they'll see you as a client authority
and want to meet with you. The best part is that you can define the parameters at the beginning, rather than trying to work with people that used to change your diapers and see you as a little kid.
That advantage is yours if you learn to be a professional prospector.
How can you do that? There are many ways, but this one is a good one to start with:
I know Mass doesn't sell ROP
term, but thought I'd reference this article for you too.