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Sales Techniques – How to sell life insurance – Ask Evan


hi I’m Evan Carmichael welcome to

hi I’m Evan Carmichael welcome to another edition of ask Evan in today’s

another edition of ask Evan in today’s

another edition of ask Evan in today’s episode I’m going to answer a question

episode I’m going to answer a question

episode I’m going to answer a question from one of my newsletter readers Joe

from one of my newsletter readers Joe

from one of my newsletter readers Joe who’s an insurance agent pretty new to

who’s an insurance agent pretty new to

who’s an insurance agent pretty new to the business and is having a hard time

the business and is having a hard time

the business and is having a hard time getting out there making sales apart

getting out there making sales apart

getting out there making sales apart from his blood relatives and was

from his blood relatives and was

from his blood relatives and was wondering what my advice would be to

wondering what my advice would be to

wondering what my advice would be to help him gross business so Joe you’re in

help him gross business so Joe you’re in

help him gross business so Joe you’re in a tough industry lots of competition and

a tough industry lots of competition and

a tough industry lots of competition and there’s very little that separates the

there’s very little that separates the

there’s very little that separates the products that different insurance agents

products that different insurance agents

products that different insurance agents will sell so the first thing that you

will sell so the first thing that you

will sell so the first thing that you need to do is come up with your unique

need to do is come up with your unique

need to do is come up with your unique value proposition and what this

value proposition and what this

value proposition and what this basically is is explaining what makes

basically is is explaining what makes

basically is is explaining what makes you different so you’re not just Joe the

you different so you’re not just Joe the

you different so you’re not just Joe the average everyday Joe salesperson you are

average everyday Joe salesperson you are

average everyday Joe salesperson you are X Y Z so what makes you different from

X Y Z so what makes you different from

X Y Z so what makes you different from everybody else and when you introduce

everybody else and when you introduce

everybody else and when you introduce yourself you have to put that in your

yourself you have to put that in your

yourself you have to put that in your statement and make everybody know that

statement and make everybody know that

statement and make everybody know that you are the insert’ insurance agent who

you are the insert’ insurance agent who

you are the insert’ insurance agent who helps these types of people so you can

helps these types of people so you can

helps these types of people so you can differentiate yourself on the service

differentiate yourself on the service

differentiate yourself on the service they provide and also going after a

they provide and also going after a

they provide and also going after a specific target market that’s different

specific target market that’s different

specific target market that’s different than everybody else

than everybody else

than everybody else so as an example you know everybody

so as an example you know everybody

so as an example you know everybody wants to go after the high net worth

wants to go after the high net worth

wants to go after the high net worth individuals and people going to take out

individuals and people going to take out

individuals and people going to take out the big policies that doesn’t really

the big policies that doesn’t really

the big policies that doesn’t really help you so much what I would do is try

help you so much what I would do is try

help you so much what I would do is try to target people who have specific

to target people who have specific

to target people who have specific interests and learn about them tailor

interests and learn about them tailor

interests and learn about them tailor solutions to help them come up with

solutions to help them come up with

solutions to help them come up with other packages that you’ve seen work

other packages that you’ve seen work

other packages that you’ve seen work with that type of age group and

with that type of age group and

with that type of age group and demographics and then be able to sell

demographics and then be able to sell

demographics and then be able to sell into them you can also use shared

into them you can also use shared

into them you can also use shared interests so example if you are a huge

interests so example if you are a huge

interests so example if you are a huge baseball fan and you love the Cleveland

baseball fan and you love the Cleveland

baseball fan and you love the Cleveland Indians part of what you could do is

Indians part of what you could do is

Indians part of what you could do is take people to the games who you know

take people to the games who you know

take people to the games who you know when the Cleveland Indians are in town

when the Cleveland Indians are in town

when the Cleveland Indians are in town and you can go out to customers who also

and you can go out to customers who also

and you can go out to customers who also like the Cleveland Indians so it’s a lot

like the Cleveland Indians so it’s a lot

like the Cleveland Indians so it’s a lot easier for you to connect with them and

easier for you to connect with them and

easier for you to connect with them and it’s a lot more fun to do business so

it’s a lot more fun to do business so

it’s a lot more fun to do business so you’re not just going after anybody and

you’re not just going after anybody and

you’re not just going after anybody and everybody who needs an insurance agent

everybody who needs an insurance agent

everybody who needs an insurance agent you’re going after the people who are

you’re going after the people who are

you’re going after the people who are ideal clients for you and you love

ideal clients for you and you love

ideal clients for you and you love working with and you have shared shared

working with and you have shared shared

working with and you have shared shared passions with so identifying first you

passions with so identifying first you

passions with so identifying first you know your unique value proposition who

know your unique value proposition who

know your unique value proposition who is Joe the insurance guy what do you do

is Joe the insurance guy what do you do

is Joe the insurance guy what do you do that’s different everybody else and then

that’s different everybody else and then

that’s different everybody else and then start defining who

start defining who

start defining who your customers are so I would try to be

your customers are so I would try to be

your customers are so I would try to be specific as you can with that you

specific as you can with that you

specific as you can with that you obviously don’t want to limit yourself

obviously don’t want to limit yourself

obviously don’t want to limit yourself off and say you’re only people who like

off and say you’re only people who like

off and say you’re only people who like to clip in Indians and who are you know

to clip in Indians and who are you know

to clip in Indians and who are you know 50 to 55 and men right there might be a

50 to 55 and men right there might be a

50 to 55 and men right there might be a little specific but you want to do try

little specific but you want to do try

little specific but you want to do try to define your target market as much as

to define your target market as much as

to define your target market as much as you can with your customer base so look

you can with your customer base so look

you can with your customer base so look at your age group look at look at

at your age group look at look at

at your age group look at look at interests look at their stage in life

interests look at their stage in life

interests look at their stage in life look at what some of their needs are and

look at what some of their needs are and

look at what some of their needs are and build up a profile of ideal person that

build up a profile of ideal person that

build up a profile of ideal person that you want to target and from there if you

you want to target and from there if you

you want to target and from there if you can specialize in those people and you

can specialize in those people and you

can specialize in those people and you go and you tell them when you’re meeting

go and you tell them when you’re meeting

go and you tell them when you’re meeting with them that you specialize with those

with them that you specialize with those

with them that you specialize with those types of people and you can show how

types of people and you can show how

types of people and you can show how you’ve helped people who are like them

you’ve helped people who are like them

you’ve helped people who are like them the more likely they’ll want to sign up

the more likely they’ll want to sign up

the more likely they’ll want to sign up with you instead of I’m Joe and I sell

with you instead of I’m Joe and I sell

with you instead of I’m Joe and I sell insurance to anybody and everybody

insurance to anybody and everybody

insurance to anybody and everybody writes a lot harder to make that kind of

writes a lot harder to make that kind of

writes a lot harder to make that kind of sale so you may be turning away business

sale so you may be turning away business

sale so you may be turning away business that you can make some money from but

that you can make some money from but

that you can make some money from but are not ideal clients and then focus on

are not ideal clients and then focus on

are not ideal clients and then focus on the ones who are great potential clients

the ones who are great potential clients

the ones who are great potential clients for you because you know you can service

for you because you know you can service

for you because you know you can service your needs

your needs

your needs from there once I can a clearly

from there once I can a clearly

from there once I can a clearly explained why I’m different and I can

explained why I’m different and I can

explained why I’m different and I can explain the type of customers that I

explain the type of customers that I

explain the type of customers that I want to go after then you can start with

want to go after then you can start with

want to go after then you can start with your marketing strategy and for you I

your marketing strategy and for you I

your marketing strategy and for you I try to look at events to start so it’s a

try to look at events to start so it’s a

try to look at events to start so it’s a very personal business if I’m going to

very personal business if I’m going to

very personal business if I’m going to work with an insurance agent I want to

work with an insurance agent I want to

work with an insurance agent I want to know that again you understands my needs

know that again you understands my needs

know that again you understands my needs likes what I’m about I can relate to him

likes what I’m about I can relate to him

likes what I’m about I can relate to him really well and so events are a great

really well and so events are a great

really well and so events are a great way to do that you’re meeting people

way to do that you’re meeting people

way to do that you’re meeting people again you only want to treat your

again you only want to treat your

again you only want to treat your finding events where your target

finding events where your target

finding events where your target customers are hanging out at so it’s a

customers are hanging out at so it’s a

customers are hanging out at so it’s a great way to make those first

great way to make those first

great way to make those first connections

connections

connections I would then look to get in front of

I would then look to get in front of

I would then look to get in front of connectors so potential referral

connectors so potential referral

connectors so potential referral partners who can you partner up with

partners who can you partner up with

partners who can you partner up with where you prefer them business tickler

where you prefer them business tickler

where you prefer them business tickler for you business i look to get into the

for you business i look to get into the

for you business i look to get into the local media you want to be seen as the

local media you want to be seen as the

local media you want to be seen as the local expert for insurance for you know

local expert for insurance for you know

local expert for insurance for you know whatever age group again whoever your

whatever age group again whoever your

whatever age group again whoever your target customers are and pitching the

target customers are and pitching the

target customers are and pitching the media is a lot easier when you have your

media is a lot easier when you have your

media is a lot easier when you have your unique value proposition and you know

unique value proposition and you know

unique value proposition and you know who you’re targeting as your customers

who you’re targeting as your customers

who you’re targeting as your customers and you have a story to be able to tell

and you have a story to be able to tell

and you have a story to be able to tell instead of just I’m Joe the sales guy

instead of just I’m Joe the sales guy

instead of just I’m Joe the sales guy right so getting the media local media

right so getting the media local media

right so getting the media local media especially we can have some kind of

especially we can have some kind of

especially we can have some kind of ongoing relationship if you’re writing a

ongoing relationship if you’re writing a

ongoing relationship if you’re writing a monthly column for example in your local

monthly column for example in your local

monthly column for example in your local Media could really help identic about

Media could really help identic about

Media could really help identic about creating content and for here you’d want

creating content and for here you’d want

creating content and for here you’d want to be creating articles and other types

to be creating articles and other types

to be creating articles and other types of content that again are geared towards

of content that again are geared towards

of content that again are geared towards your target customer educating them

your target customer educating them

your target customer educating them creating a monthly newsletter that goes

creating a monthly newsletter that goes

creating a monthly newsletter that goes out that you also post on your website

out that you also post on your website

out that you also post on your website so giving them ongoing useful helpful

so giving them ongoing useful helpful

so giving them ongoing useful helpful content that talks about where the right

content that talks about where the right

content that talks about where the right with their stage of life that might be

with their stage of life that might be

with their stage of life that might be able to you might be able to help them

able to you might be able to help them

able to you might be able to help them with and new products or services that

with and new products or services that

with and new products or services that you’re coming out with that again could

you’re coming out with that again could

you’re coming out with that again could be able to help them and then it also

be able to help them and then it also

be able to help them and then it also create video and if somebody is meeting

create video and if somebody is meeting

create video and if somebody is meeting you in an event or they heard about you

you in an event or they heard about you

you in an event or they heard about you through the media or the regular your

through the media or the regular your

through the media or the regular your articles a great way to introduce

articles a great way to introduce

articles a great way to introduce yourself again is through video

yourself again is through video

yourself again is through video especially if you haven’t met them yet

especially if you haven’t met them yet

especially if you haven’t met them yet it’s coming through a connector or media

it’s coming through a connector or media

it’s coming through a connector or media another source people again this is a

another source people again this is a

another source people again this is a very personal business for you people

very personal business for you people

very personal business for you people will make decisions really quickly based

will make decisions really quickly based

will make decisions really quickly based on seeing you and hearing you so if you

on seeing you and hearing you so if you

on seeing you and hearing you so if you create a quick video of yourself that

create a quick video of yourself that

create a quick video of yourself that goes up on your website when people land

goes up on your website when people land

goes up on your website when people land they’re able to learn a little bit about

they’re able to learn a little bit about

they’re able to learn a little bit about you kind of see what you like what

you kind of see what you like what

you kind of see what you like what you’re about again you’re talking about

you’re about again you’re talking about

you’re about again you’re talking about these two things your unique value

these two things your unique value

these two things your unique value proposition and types of customers you

proposition and types of customers you

proposition and types of customers you like to deal with and it’s goes a long

like to deal with and it’s goes a long

like to deal with and it’s goes a long way to be able to make a warm welcome

way to be able to make a warm welcome

way to be able to make a warm welcome online when you haven’t actually met

online when you haven’t actually met

online when you haven’t actually met somebody face-to-face and when I first

somebody face-to-face and when I first

somebody face-to-face and when I first started my business my website is off my

started my business my website is off my

started my business my website is off my name’s Evan Carl calm I kind of hid

name’s Evan Carl calm I kind of hid

name’s Evan Carl calm I kind of hid behind my content and we did a lot of

behind my content and we did a lot of

behind my content and we did a lot of profiles the famous entrepreneurs and

profiles the famous entrepreneurs and

profiles the famous entrepreneurs and people started writing in asking about

people started writing in asking about

people started writing in asking about me and who I was and eventually I

me and who I was and eventually I

me and who I was and eventually I started creating more and more content

started creating more and more content

started creating more and more content and got into video as well and people

and got into video as well and people

and got into video as well and people seem to really like the videos and it’s

seem to really like the videos and it’s

seem to really like the videos and it’s a great way of people to kind of get to

a great way of people to kind of get to

a great way of people to kind of get to know me and I’ve had people come up to

know me and I’ve had people come up to

know me and I’ve had people come up to me and feel like they already know me

me and feel like they already know me

me and feel like they already know me because they watch other videos and

because they watch other videos and

because they watch other videos and they’ve seen all of them and they our

they’ve seen all of them and they our

they’ve seen all of them and they our regular viewers and you know I don’t

regular viewers and you know I don’t

regular viewers and you know I don’t know them yet but it’s great to meet

know them yet but it’s great to meet

know them yet but it’s great to meet them so you can have the same

them so you can have the same

them so you can have the same relationship where people can come to

relationship where people can come to

relationship where people can come to your site quickly watch your intro video

your site quickly watch your intro video

your site quickly watch your intro video see you’re a nice guy see that you

see you’re a nice guy see that you

see you’re a nice guy see that you understand their needs and your catering

understand their needs and your catering

understand their needs and your catering just to them and they’ll start forming a

just to them and they’ll start forming a

just to them and they’ll start forming a relationship with you even though you

relationship with you even though you

relationship with you even though you haven’t really started a relationship

haven’t really started a relationship

haven’t really started a relationship with them yet so they’re more actual

with them yet so they’re more actual

with them yet so they’re more actual more likely to pick up the phone I want

more likely to pick up the phone I want

more likely to pick up the phone I want to call you so hope that helps so again

to call you so hope that helps so again

to call you so hope that helps so again come up be unique value proposition what

come up be unique value proposition what

come up be unique value proposition what makes you different identify who your

makes you different identify who your

makes you different identify who your target customers are in as much detail

target customers are in as much detail

target customers are in as much detail as you can then start your marketing

as you can then start your marketing

as you can then start your marketing strategy through events going after

strategy through events going after

strategy through events going after connector

connector

connector is getting to the media create a content

is getting to the media create a content

is getting to the media create a content strategy and creating some video as well

strategy and creating some video as well

strategy and creating some video as well Joe I hope that’s useful if you guys

Joe I hope that’s useful if you guys

Joe I hope that’s useful if you guys like the video please leave a comment

like the video please leave a comment

like the video please leave a comment below and it also always appreciate it

below and it also always appreciate it

below and it also always appreciate it when you want to leave a thumbs up for

when you want to leave a thumbs up for

when you want to leave a thumbs up for the videos so thank you and we’ll see

the videos so thank you and we’ll see

the videos so thank you and we’ll see you on the next episode

”

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