compensation: Results Based employment type: full-time
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I'm not here to sell you on an opportunity, because I know this is the best financial sales niche out there. I am here to tell you my story...
At a young age, I watched my father make $100K+ year in a sales job. I was convinced that I too would be in some type of sales position. After playing college football, becoming a firefighter, and working a dead-end corporate W2 sales job, I discovered financial services.
I stumbled upon a Craigslist ad promising the ability to set my own hours and earn a six-figure income the first year. I accepted the interview, ended up knowing the manager, and was told that it was all a numbers game and that I could make as much money as I wanted. My introduction to life insurance sales was using mortgage protection as a way to sell Term Life insurance to new home owners. I purchased about 30 leads costing approximately $1000 per week. Hundreds of phone calls were made just to set up my week. This generated about 10 appointments which in turn resulted in 2-3 qualified prospects and one or two sales, and yes, I made "a lot of money". However, my year-end 1099 found me questioning how much money I really made.
My overhead with lead cost and office rent cut into nearly HALF of my revenue! Then there were the chargebacks which seemed to be a weekly occurrence. In most cases, the money had already been spent. This type of transactional sale did not generate loyalty since the client was shopping around for the cheapest possible plan. It seemed like a good idea to add Final Expense to my portfolio of clients to service. These are typically really old (and unhealthy) people looking to secure an insurance plan to cover their funeral. Most of the people I actually got in touch with were either not home for our scheduled appointment or didn't even have a bank account to pay the monthly premium with! All in all, I still managed to make a decent income for myself at the cost of having no social life, driving all over the state and rarely arriving at home before 11:00 p.m. Not to mention putting in full days on Saturdays to attempt catching potential clients at home who were dodging my phone calls.
I was taught to use these appointments as a way to uncover assets and cross sell the clients an annuity. Once again, this was added to my sales portfolio. The older clients did have money, but they also had 3-4 other people trying to sell them annuities as well. The younger clients who had money typically had it wrapped up into a 401K where I couldn't touch it until they were 59-1/2 years old.
Everything seemed to be going "great" until my mentors, CEO's of the IMO I was working with, left and said they had found a better opportunity. I was uncertain of what this meant for me. I was faced with a decision to leave a gig where I was finally making "Real Money" for the unknown. All they kept saying was that, I would work half as much, and make twice as much! And they were even willing to pay me from their own pocket if it didn't live up to those expectations.
It was 2014 when we found Appreciation Financial!
This company has contracts with public schools, municipalities, and now private sector employers to be able to service their employees' retirement needs. They got rid of "BUYING LEADS" and had more prospects than I could even have time to help - all beneath one roof! Think about it. How many schools alone are near your neighborhood? Within each school there is an average of 100 employees. They are severely under-educated on how their pensions and retirement plans work. Most importantly, they ALL need our help. We educate them, as an APPROVED Retirement provider, and sell a ton of retirement products and help them with their life insurance! We are able to MOVE IN-SERVICE MONEY; need I say more? We work normal hours, since we meet most at their place of business. We are their trusted advisors, on a restricted approved list, with a badge. They actually care about their retirement, and we aren't using back door methods (like selling a final expense plan) to uncover money. This conversation planning their golden years of retirement is much more enjoyable than talking about how their funeral cost will be paid.
Marketing for clients is the easiest part of this business and we have many highly effective ways to fill up your calendar with qualified prospects. My journey has evolved into building a team to help me service all of these people. My present team is comprised of about 100 agents across the country and includes all my best friends, mother, and other family members. The best part is that we haven't even scratched the surface. There's nothing holding you back should you choose to build an agency; the comp plan is built for this opportunity!
In addition to the residual income, owning your book of business, the multiple 6 or 7 figure incomes; we are truly making a difference in those lives that we touch. We have an amazing culture which we call Home. No more jumping around from IMO to IMO. No more no-shows, no more chargebacks, and no more lead debt. Life is good!
We are looking for producers and/or agencies who:
- Have made over $80,000 in a year in a 1099 position
- Currently have a life insurance license or can obtain one
- Are great connecting with people
- Have confidence and can sell in a low pressure environment
- Are able to be self-directed and motivated
- Have a growth mindset
- Are passionate about educating those that need you help
- Are ambitious and desire a multiple six figure income and beyond
**If this resonates with you, reply to this post with your work history and we'll get in touch with you.
Principals only. Recruiters, please don't contact this job poster.
do NOT contact us with unsolicited services or offers