After dialing, presenting is the most profitable activity you do as a life insurance agent. Like anything, you'll want to practice and get good at it. Start out practicing a few times on friends and family to work out the bugs and then jump in and start presenting to prospects. use the tools below to help:

 4a. In-Home Presentation

In it's simplest form, an appointment is simply a heart-to-heart conversation about potentially a person's worst day of their life and solutions you can offer to help safeguard against that kind of tragedy. First and foremost, you need to see if there's a need. If there is, your next job is to figure out which plan would work best. And finally, find a size that fits their budget.

People don't care that you don't have all the answers. Or even that you're brand new. Instead, get good at asking questions. They care that you care about them and that you can get the answers. If you build rapport, uncover their pain and present a solution that solves their pain, the rest are just details. 

Also, here's the presentation from the Equis website. Some agents prefer to go old school and just have a conversation with a pen and paper. Pick the direction that suits your style the best.

 4b. Overcoming Objections

When it comes to handling objections, the same principles apply in the home as they do on the phone. If you don't let the objection rattle your cage, it will often times dissipate on its own. Study some answers and use the principles behind them, using your own wording.

Often, the most common answer is that your prospect will want to think about it. Typically this is an indication that you couldn't find a pain or you didn't spend enough time on their pain. Get good at asking questions to find out the WHY behind their objection and remain cool, calm and collected.

The best way to handle objections is to avoid them by addressing them during the presentation. Run 20 appointments and you'll start to get a feel for what people are saying. Get ahead of it by handling it before it comes up.

 4c. Underwriting

Underwriting is something that can take months or years to master. Lean on your manager until you get the hang of it. In the meantime, here are a few tips:

1. Manage expectations- don’t promise, even if they’re “healthy.” Walk your prospect through their backup plan in case of decline.

2. Use your guides- Keep all underwriting guides in a separate folder and learn how to *find* the answers rather than memorize them. Term, Final Expense and Applications. Also, here's an awesome Cheat Sheet to help you get familiar with all the products.

3. Run risk assessments- underwriters are a wealth of knowledge; Foresters by phone, other carriers by email.

4. Be skeptical and assume they’re hiding something (everyone thinks they’re healthy).

5. Link up each medication with a condition, complete the entire form, and text a photo to your manager before calling them from the home.

Key phrases to use when possible in an application:

  • Under control
  • No work missed
  • No complications
  • Not hospitalized

 4d. Quoting

Each carrier has their own quoting calculator. Make sure you're familiar with it before using it for the first time in front of a prospect. Many of them are simply hosted on a page of their website. Mutual of Omaha, CFG, Great Western and NLG are examples of carriers who have developed a specific App you'll need to download from the app store.

Click here to access links and contact information for all of them.


4e. Taking an Application

If you've done a good job managing their expectations, building rapport, identifying their pain, and walking through underwriting (with help from your upline manager), transitioning to an application will be a seamless and natural next step.

Before your appointment, make sure you've logged into your accounts and have familiarized yourself with where and how to start an application. A brief strategy call with your manager before your first several appointments is highly recommended and will help you immensely.


4f. Virtual Appointments

If you're running all virtual, it's a different business model. Start by joining the Facebook Equis Community Page. You also need to go through the training on your agent dashboard: Home > Training Center (bottom link) > (log in) > Virtual Training (righthand column) > "Click Here to Begin" 

Next, it's CRITICAL that you join the daily coaching calls! The link is found on the left side of that same page: "Join the Daily Coaching Session"

Here are a few tips to keep in mind:

1. Invest in some good lighting, camera equipment, audio, a clean, professional background, and a Zoom account. Make your environment and background look like someone you'd want to do business with.

2. Call and book same-day appointments. Your schedule is dialing in the morning, running appointments in the afternoon.

3. Book out appointments every hour on the hour. If you're full-time, you need at least 6 appointments a day from 2-3 hours of dialing or texting. Overbook yourself to build confidence and posture.

4. Lead with your credentials. The virtual training teaches you more about how to do this and why it's important.

5. Follow the presentation tips in the Training Center for establishing rapport, finding the pain, and presenting the solutions.


4g. Sample Appointments

Here's audio of one of my appointments on overcoming a "think about it" objection.