A recent survey listed the share product mix for different forms of insurance. Life was at the top with 28% of all new sales. Cancer and CI were toward the bottom with 5% each.
This means that the great majority of prospects do not have coverage at work, leaving the market wide open for individual sales. Your clients are ripe for the picking and often will buy if you just take time to mention the availability of the product to them. And, with the supplemental health companies expanding their issue ages to 80 or 85, even Medicare Supplement and Medicare Advantage clients are prospects.
By having all of a client's insurance needs and desires covered, you solidify your relationship with that client. If you are not offering supplemental coverages to your clients, you are not only leaving commission dollars on the table, you are leaving the door open to your competition. A client lets another agent in to talk to them about Cancer/CI because you have never mentioned it to them. They buy form that agent. Now, the agent is in YOUR home and has the opportunity to talk to them about their Life, Health, Disability, Medicare Supplement.. The next thing you know, the door is firmly closed and you cannot push it open no matter how hard you try.
This means that the great majority of prospects do not have coverage at work, leaving the market wide open for individual sales. Your clients are ripe for the picking and often will buy if you just take time to mention the availability of the product to them. And, with the supplemental health companies expanding their issue ages to 80 or 85, even Medicare Supplement and Medicare Advantage clients are prospects.
By having all of a client's insurance needs and desires covered, you solidify your relationship with that client. If you are not offering supplemental coverages to your clients, you are not only leaving commission dollars on the table, you are leaving the door open to your competition. A client lets another agent in to talk to them about Cancer/CI because you have never mentioned it to them. They buy form that agent. Now, the agent is in YOUR home and has the opportunity to talk to them about their Life, Health, Disability, Medicare Supplement.. The next thing you know, the door is firmly closed and you cannot push it open no matter how hard you try.
