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LWT Producer Insights

Expert guidance, strategies, and perspectives for today’s independent life insurance producer.

Living Benefits: The Hidden Value in Life Insurance [Video]

In this brief, high-impact video, Dave Donchey and Sam Keenan explore the meaningful value of...

Check Your Bias at the Door: Premium Decisions Belong to the Client, Not the Agent

Life insurance agents hold a unique and meaningful responsibility. Families rely on them not only...

The True Cost of Term vs. Permanent Life Insurance: Understanding Outlay and Net Cost

When insurance producers and their clients compare life insurance options, they often focus on the

Why Price Alone Can Be Misleading When Comparing Life Insurance Products

In the world of life insurance, price (premium) is often the first and sometimes the only factor...

The Power of Consistent Policy Reviews: Why Every Life Insurance Agent Needs a Structured Follow-Up System

In today’s competitive life insurance marketplace, success isn’t only measured by new business...

How to Save Older Over-Loaned Whole Life Policies

Older and over-loaned.

Think these kinds of whole life insurance policies aren’t worth talking...

How a Collateral Assignment Form Works

Banks and other money lenders typically require a life insurance policy as collateral for a loan....

Prepare Your Clients for Paramed Exams, Save Them Money

You’re at that point in the process.

Life Insurance Application Process: Avoid Declines and Wasted Time

What are the 3 possible outcomes of the life insurance application process?

    The 3 possible...

Life Insurance Sales: Is It All About Leads or Loyalty?

It’s easy to get caught up in the heat of trying to gather tons of life insurance leads.

5 Pitfalls to Avoid in Naming a Life Insurance Beneficiary

Help your client avoid vulnerabilities – and be seen as a trusted advisor – when naming their life...

Life Insurance Marketing: How to Grow Your Business

Like it or not, your success depends a lot on your life insurance marketing. What you do and how...

Life Insurance Field Underwriting Education: Why It’s Important

Most life insurance producers haven’t been adequately trained in field underwriting.

How to Find New Life Insurance Business: 5 Ways to Start Now

Are the prospects in your sales funnel drying up? 

Perks of Aligning With the Right Life Insurance General Agency

How will a life insurance General Agency help me sell more insurance?

The right life insurance...

Life Insurance Producers: Why Your Clients Shouldn’t Expect Quick and Easy

If you’re facing a root canal, you want the dentist to say it will be “quick and easy.”

Life Insurance Prospecting: How to Stop Taking No for an Answer

4 Reasons You’ll Hear “No” When Life Insurance Prospecting

  1. “I’ll buy it on the internet.”
  2. “I...

3 Reasons a Great Life Insurance General Agency Makes Training and Education a Priority

3 Reasons a Life Insurance General Agency Should Prioritize Training and Education

  1. To further...

Choose a General Agency with the Resources You Need to Succeed

What Resources Should a Life Insurance General Agency Offer?

A General Agency should offer these...

The Key to Life Insurance Sales Success: Marketing Annuities (VIDEO)

Contrary to what you may think, annuities aren’t complicated nor are they unattractive to clients.

How to Use Your Life General Agency to Your Advantage

You know how important it is for your clients to have face-to-face interaction with you.

1 Social Media Strategy For Life Insurance Producers to Amp Up Sales

You’ve created a profile on Facebook, Instagram, or LinkedIn – or all of them.

Get More Life Insurance Sales With 4 Essential Website Elements

Increase Life Insurance Sales With 4 Website Elements

  1. Expert design
  2. Appealing content
  3. ...

How Life Insurance General Agencies Differ (Yes, It Matters!)

About 20 years ago or so, it was a lot easier to identify what constitutes a great life insurance...

What It Takes to Be a Great Life Insurance Producer

How to Be a Great Life Insurance Producer

  1. Use criticism to your advantage
  2. Build on your existing...

Disability Income Insurance: Do Your Clients Know They Need It?

There are two conversations you probably never want to have with a client.

Life Insurance General Agency: Word of Mouth Is the Best Kind of Referral [Video]

You know things are going well when your business gets a raving review from a customer.

How to Get Your Case to Sail Through the Life Insurance Underwriting Process [Video]

Wouldn’t it be nice to get inside the mind of the underwriter on your case so you could ensure a...

How to Sell Life Insurance: Make a Point to Really Connect With Clients

It’s easy to get caught up in the day-to-day details of running your life insurance business

Digital Tools for Life Insurance Producers Improve Carrier Relationships

How Digital Life Insurance Tools Improve Producer-Carrier Relationships

  1. Find the right product at...

How to Attract Life Insurance Prospects on Social Media

If you want to be a successful on social media, you need to know social media inside and out.

Life Insurance Producers: Here Are 7 Digital Tactics to Elevate Your Referral Process

How Life Insurance Producers Can Get More Referrals

  1. Sign off emails with your referral program...

After the Life Insurance Sale: Can You Defend Yourself?

Do you offer clients a summary of the policy after a sale?

Sales Tips for Life Insurance Producers: How to Sell to Grandparents (VIDEO)

Grandparents desire the best for their grandchildren.

Don’t Set Your Clients Up for Disappointment & Lose Life Insurance Sales

When dealing with a new client, do you approach the situation with a bit of fear?

How Selling Annuities Can Help You AND Your Life Insurance Clients

Are you selling annuities because they pay big commissions to the selling broker or producer?

How Supportive Is Your Life Insurance General Agency? You Should Be Setting the Bar High [Video]

What Should You Expect From a Great Life Insurance General Agency?

Here’s what you can expect from...

5 Ways to Nurture Life Insurance Leads That Aren’t Ready to Buy

5 Ways to Nurture Life Insurance Leads Who Aren't Ready to Buy

  1. Provide value to everyone
  2. Use...

Why You Should Work With a Life Insurance General Agency That Has “Solutions”

Your General Agency can make or break your success as a life insurance producer.

How Life Insurance Producers Can Avoid 3 Common Hurdles and Place More Cases

3 Common Challenges Life Insurance Producers Must Overcome

  1. People don't like to talk or think...

How to Close More Life Insurance Cases (Hint: Use “IGo”)

If you're like most life insurance producers, you know one fact when it comes to putting food on...

Drive Life Insurance Prospecting With 5 Productivity Tips

If only there were more time in the day.

5 Life Insurance Sales Mistakes to Avoid [Infographic]

What life insurance sales mistakes should you avoid?

You should avoid making these life insurance...

How to Succeed in the Changing Face of Life Insurance Client Relationships

Are you worried that your life insurance business won’t be able to keep up with the changing pace...

How to Do Life Insurance Prospecting on Social Media

How to Do Life Insurance Prospecting on Social Media

  1. Don’t blast sales pitches
  2. Establish...

How Life Insurance Producers Can Give Their Brand a Voice

What is your brand voice saying to your audience?

10 Great Tips to Help You Grow Your Life Insurance Business [Video]

You want to provide your life insurance prospects with the most current information.

How Independent Life Insurance Producers Can Grow Their Business

When I entered the insurance business over 30 years ago, I decided I was going to specialize in...

Manage Expectations & Place More Cases With Good Field Underwriting

The goal of every life insurance producer is to place more cases.

Long-Term Care Insurance: What Life Insurance Producers Need to Know

Back in the day – 20 years ago, that is  – the mainstream life insurance producer knew little about...

How to Win Your Next Life Insurance Sale (Infographic)

Editor’s note: This post was originally published on 1/31/17 and has been updated for accuracy and...

8 Social Media Tips for Life Insurance Agents

Editor’s note: This post was originally published on 1/24/16 and has been updated for accuracy and...

How to Boost Life Insurance Sales

Editor’s note: This post was originally published on 3/26/19 and has been updated for accuracy and...

New Year, New Goals: How to Grow Your Life Insurance Business (Pt. 1)

Editor’s note: This post was originally published on 1/2/17 and has been updated for accuracy and...

8 Ways to Give Your Life Insurance Prospecting Routine an Overhaul

Editor’s note: This post was originally published on 7/25/17 and has been updated for accuracy and...

9 Life Insurance Prospecting Strategies That Work – Every Time

Top Life Insurance Prospecting Strategies:

  1. Don’t limit yourself to one lead-generation strategy.
  2. ...

6 Ways Predictive Analytics Is Changing Life Insurance

How Predictive Analytics Help You Reach Your Life Insurance Sales Goals

  1. Risk selection and pricing

How to Give Your Life Insurance Brand a Refresh

How to give your life insurance brand a refresh

  1. Go all-in with digital
  2. Get creative with service
  3. ...

17 Marketing Tips (That Actually Work!) for Life Insurance Producers

Marketing Tips for Life Insurance Producers

  1. Follow up with prospects.
  2. Hone your elevator pitch.
  3. ...

4 Best Life Insurance Marketing Ideas for 2021

Best Life Insurance Marketing Ideas for 2021

  1. Get your database in order
  2. Advertise on Facebook
  3. ...

5 Ways to Increase Life Insurance Sales With LinkedIn

Editor’s note: This post was originally published on 6/13/16 and has been updated for accuracy and...

Proof That Partnering With a General Agency Really Works [Video]

Does the life insurance General Agency with whom I work really matter?

The life insurance GA you...

Life Insurance Sales: Don't Ignore a Key Ally

Editor’s note: This post was originally published on 5/20/16 and has been updated for accuracy and...

Who is Running Your Life Insurance Illustrations?

Benefits of running your own life insurance illustrations

  • You'll have 24/7 access
  • You'll have...

Is Fear Sabotaging your Life Insurance Business? [VIDEO]

Editor’s note: This post was originally published on 5/9/17 and has been updated for accuracy and...

3 Steps to Driving Life Insurance Sales [INFOGRAPHIC]

Editor’s note: This post was originally published on 7/11/17 and has been updated for accuracy and...

5 Ways the Pandemic Has Changed Life Insurance Sales

5 Ways Life Insurance Sales Have Changed Due to COVID

  1. People are more serious about buying than...

The #1 Way to Increase Life Insurance Sales (Infographic)

Editor’s note: This post was originally published on 2/21/17 and has been updated for accuracy and...

Dodge These 5 Blunders to Ensure Life Insurance Sales Success

Editor’s note: This post was originally published on 7/18/17 and has been updated for accuracy and...

How To Classify Your Life Insurance Prospect BEFORE The Sale

Editor’s note: This post was originally published on 5/31/16 and has been updated for accuracy and...

Life Insurance Prospects: 3 Ways to Nab Them on Social Media

Editor’s note: This post was originally published on 6/17/16 and has been updated for accuracy and...

How to Expedite the Life Insurance Application Process [VIDEO]

Editor’s note: This post was originally published on 8/22/17 and has been updated for accuracy and...

Your Key to Life Insurance Sales Success: The Right Tool

There are a lot of things in life that you can change.

4 Ways to Invest in Your Life Insurance Clients

How to invest in your life insurance clients

  1. Get to know them.
  2. Engage with them.
  3. Be thoughtful.
  4. ...

5 Ways to Increase Life Insurance Sales Over the Holidays

How to increase life insurance sales over the holidays

  1. Keep a full schedule.
  2. Find existing...

3 Reasons Life Insurance Producers Shouldn't Compete on Price

Editor’s note: This post was originally published on 2/23/17 and has been updated for accuracy and...

How You Can Help Clients With Whole-Life Policy Loan Woes

If you're like most life insurance producers, you're looking to sell new policies to prospects and...

Don’t Let Your Clients Make These 5 Term Life Insurance Errors

Editor’s note: This post was originally published on 8/8/17 and has been updated for accuracy and...

Overcome Objections & Increase Long-Term Care Insurance Sales: 5 Ways

Editor’s note: This post was originally published on 6/6/16 and has been updated for accuracy and...

Life Insurance Producers: Connecting with Clients in the Digital Age

Editor’s note: This post was originally published on 3/28/17 and has been updated for accuracy and...

How to Determine How Much Life Insurance Your Client Needs (VIDEO)

Are you using the right approach calculate your client’s death benefit?

Why You Should Include Disability Insurance In Your Sales Arsenal

Editor’s note: This post was originally published on 5/31/17 and has been updated for accuracy and...

6 Health Issues That Will Affect Your Life Insurance Clients' Premiums

What health issues affect life insurance premiums?

  1. High cholesterol
  2. High blood pressure
  3. Heart...

Here Are 10 Reasons You Should Sell Permanent Life Insurance (Video)

Term life insurance may be a good choice for some of your clients, but there are quite a few...

Want to be a More Effective Life Insurance Producer? Here's How

It’s funny how you can look around a room of life insurance producers and identify the ones who are...

3 Benefits of Having a Life Insurance Underwriter on Staff

What is the value of a life insurance General Agency with an underwriter?

  1. They do preliminary...

Make Sure Your Life Insurance Sales Process Is Good for Your Biz

Editor’s note: This post was originally published on 4/21/17 and has been updated for accuracy and...

Why You Should Use Video Marketing in Your Life Insurance Sales

In the last decade, the rate at which consumers are watching videos is staggering.

Life Insurance Sales: How to Stand Out From the Crowd

No more arguments necessary. The insurance industry in general has been disrupted, and things will...

4 Life Insurance Prospecting Tips to Turn Prospects into Clients

Life insurance prospecting tips

  1. Gauge how much life insurance your potential client needs.
  2. Take...

Selling Life Insurance: How to Talk to Clients With Health Issues

Life insurance producers like you have an important job to do.

A Life Insurance Solution Prospects Will Flock To [VIDEO]

Editor’s note: This post was originally published on 7/27/17 and has been updated for accuracy and...

Solve the Long-Term Care Puzzle & Increase Life Insurance Sales (Video)

Editor’s note: This post was originally published on 3/14/17 and has been updated for accuracy and...

Life Insurance Carrier Financial Ratings: What You Need to Know

What are life insurance carrier financial ratings?

Life insurance carrier financial ratings are...

Buy-Sell Agreement: The Ultimate Guide to Get You Started

What is a buy-sell agreement?

A buy-sell agreement is a document that designates how one partner's...

Life Insurance Sales Opportunities: Policy Review [Video]

Editor’s note: This post was originally published on 4/4/17 and has been updated for accuracy and...

Life Insurance General Agency: The Key to Producer Success

What is a life insurance General Agency?

A life insurance General Agency’s purpose is to help life...

Life Insurance Underwriting for Marijuana Users [Video]

Editor’s note: This post was originally published on 12/1/16 and has been updated for accuracy and...

Life Insurance Client Retention: 12 Ways to Keep Customers

Growing your life insurance business is probably at the top of your to-do list. 

Your Key to Success: Become an MDRT Level Life Insurance Producer in 2020

What is the Million Dollar Round Table (MDRT)?

MDRT is a global organization made up of life...

Increase Life Insurance Sales With a Cover Letter (VIDEO)

How to increase life insurance sales with a cover letter

You can increase life insurance sales in...

A Buy Sell Agreement is Simply Not Enough! (Video)

Editor’s note: This post was originally published on 12/6/16 and has been updated for accuracy and...

Don’t Let a Pandemic Keep You From Achieving Results

Editor’s Note: This blog was originally published in California Broker Magazine. You can check out...

Redefining Your Life Insurance Business Post-COVID

Are you starting to think about what your life insurance business will look like in a post-COVID...

How to Work With the Right Life Insurance General Agency

Editor’s note: This post was originally published on 8/20/19 and has been updated for accuracy and...

Should You Stop Selling Life Insurance?

That title is designed to get your attention. But maybe you’ve had this thought before: It’s...

Coronavirus Update: How to Help Your Life Insurance Clients

While social media and the news may feature consumers panic shopping for things like bread, toilet...

Top 9 Life Insurance Sales Podcasts to Grow Your Business

Top 9 Life Insurance Sales Podcasts

  1. Modern Life Insurance Selling Podcast
  2. HBR Ideacast
  3. Agency...

5 Reasons to Be Positive About Your Life Insurance Career

Editor’s note: This post was originally published on 9/8/16 and has been updated for accuracy and...

How to Find Life Insurance Prospects Using Social Media

Editor’s note: This post was originally published on 3/2/16 and has been updated for accuracy and...

The Changing Look of Life Insurance Distribution

Editor’s Note: This blog was originally published on California Broker Magazine. You can check out...

The Ultimate Guide to Life Insurance Underwriting

Good life insurance underwriting is critical.

Clients, producers and carriers all have a stake in...

5 Steps to Becoming a $1 Million Life Insurance Producer

5 ways to become a $1 million life insurance producer

  • Sell more per client.
  • Focus on solutions –...

How to Close More Life Insurance Cases: E-Applications vs Paper?

How to close more life insurance cases

Tools like iGO, E-applications and Drop Tickets make it...

How to Generate Life Insurance Leads Marketing to Businesses [Video]

What are some life insurance solutions for business owners?

Two valuable life insurance solutions...

Buy Sell Agreement: The Top 4 For Business Clients [Video]

What Are the Buy Sell Agreement Types?

The four types of buy sell agreements are:
  1. Cross-purchase...

7 Life Insurance KPIs to Drive Your Business

What life insurance KPIs should I be measuring?

  • Policy lapse ratio.
  • Average customer satisfaction.

Why Life Insurance Spreadsheets Don’t Tell the Whole Story

Editor’s note: This post was originally published on 3/9/16 and has been updated for accuracy and...

Navigating Marijuana Usage for Life Insurance Prospects [Video]

“Mary Jane” isn’t as much of a curse as she used to be.

How to Close More Electronic Life Insurance Applications [VIDEO]

Making things easier for your clients is always a good thing.

A Solution-Oriented Life Insurance General Agency Helps You Grow

How does a life insurance General Agency help you grow your business?

A life insurance General...

Avoid Life Insurance Producer Lawsuits: How to Defend Yourself

Do you offer clients a summary of the policy after a sale?

9 Life Insurance Prospecting Tips to Get Tons of Leads

9 Best Life Insurance Prospecting Tips:

  1. Generate a plan
  2. Be the big fish
  3. Create a bio
  4. Use your...

Selling Business Life Insurance? How to Go From Wannabe to Rock Star

Selling business life insurance can be intimidating.

Why You Should Sell Life Insurance to Foreign Nationals [Video]

You want to grow your life insurance sales.

#1 Life Insurance Sales Tip: Know Why Online Buys Aren't Cheaper

When life insurance was made available for sale through the internet, it put fear into most life...

Why the Independent Insurance Agent Will Survive

Do you worry every time you see a Geico or Progressive commercial and wonder how long you can keep...

How to Accelerate Your Life Insurance Sales

After all these years as a life insurance agent, are you still wondering how to get ahead?

How to Rescue an Over-Loaned Life Insurance Policy [Watch]

As a life insurance producer, you have a big job.

The Secrets of Successful Insurance Producers [Watch]

More sales. More revenue. More growth.

How Life Insurance Producers Can Improve Cold-Calling Success

What is cold calling? Cold calling is making a call, sending email or trying to chat in person to...

3 Prospecting Tips That Attract Prospects in Their 40s to 60s

What do life, family, health, finances, retirement have in common?

Listen Up, Life Insurance Producers: Are Your Clients Orphans?

Orphan policyholders just may be a key to success.

Working With a Quality Life Insurance General Agency Matters [Video]

Does the General Agency you work with matter?

The GA you work with matters because their expertise...

Underwriting Pilots for Life Insurance

Insuring pilots for life insurance is one of the more complicated issues in the underwriting...

Life Insurance Sales Podcasts You MUST Listen To

You don’t have to reinvent the wheel when it comes to your life insurance sales.

How to Choose a Life Insurance General Agency That Puts You First

What are the perks of working with a life insurance brokerage General Agency?

The top 7 benefits...

Are You Selling Life Insurance or Just Taking Orders?

Editor’s note: This post was originally published on 11/22/16 and has been updated for accuracy and...

What a Script Check Means for Your Life Insurance Prospect [Video]

Nobody likes having an unexpected wrench thrown into their life insurance sale.

Split Dollar Life Insurance: What Business Owners Need to Know [Video]

Your business-owner clients and prospects depend on you to give them the best advice.

The 1 Key Thing You Should Do to Drive Sales

The almighty dollar is at least part of what motivates you to get out of bed each morning and try...

How to Educate Your Life Insurance Prospects

Overcoming the biggest objection to buying life insurance:

People don’t want to talk about death...

Are You Targeting The Most Lucrative Market Segment?

What’s the most lucrative market segment to sell life insurance to?

The middle market is...

The Number One Prospecting Tip You Need

Editor’s note: This post was originally published on 9/1/16 and has been updated for accuracy and...

5 Must-Read Articles to Get More Life Insurance Sales

Social media needs to be a crucial part of your overall life insurance marketing strategy.

Life Insurance General Agency: 6 Factors to Consider

Life Insurance General Agency: 6 Factors to Consider When Choosing a Partner

  1. Expertise and...

Don’t Get Burned: Life Insurance Contracting & Licensing Tips

Life Insurance Producer Contracting and Licensing Tips:

  1. Contracting vs. licensing
  2. Licensing by...

Life Insurance Producer Tips: How to Get More Clients

Your ultimate goal is to help as many people as possible get the life insurance coverage they need...

3 Life Insurance Sales Tips to Combat the Big Guys [Infographic]

Editor’s note: This post was originally published on 12/13/16 and has been updated for accuracy and...

Increase Your Life Insurance Case Approvals (Pt 1) [Video]

You’ve shown a business owner the benefits of Key Person life insurance and he’s on board.

How to Generate Life Insurance Leads

Editor’s note: This post was originally published on 4/13/17 and has been updated for accuracy and...

Turn Your Life Insurance Sales into a High-Performing Machine [Video]

Your prospects will eventually find out that although term life insurance is more affordable, its...

Selling Living Life Insurance Benefits: The Untapped Goldmine

Your clients probably assume they won’t benefit from their life insurance in their lifetime.

How to Make Your Life Insurance Cases More Profitable [Video]

Figuring out how to make your life insurance cases more profitable is a win-win.

3 Best Selling Tactics for Life Insurance Sales Success

Best tactics for selling life insurance:

  1. Learn how to sell yourself
  2. How to use technology to your...

How to Sell Life Insurance Policies

How to Sell Life Insurance Policies:

The insurance industry is notoriously behind the times. But...

Alcohol, Drugs and Rock and Roll

Editor’s note: This post was originally published on 9/15/16 and has been updated for accuracy and...

9 Amazing Life Insurance Prospecting Tips You MUST Use

The word can either thrill you with the excitement of bringing possible clients the solutions they...

When a Term Life Insurance Policy Ends, Clients Need Options [Video]

Your clients may not be aware of what will happen when they reach the end of their term life...

[Video] Get the Word Out About Life Settlements

Part of doing your best for your clients is giving them all the options that are available to them.

9 Guaranteed Ways to Get Impressive Life Insurance Sales

9 Guaranteed Ways to Drive Life Insurance Sales

  1. Be smart
  2. Use technology wisely
  3. Formalize your...

10 Life Insurance Selling Mistakes to Avoid to Place More Cases

Avoid these 10 mistakes to place more life insurance cases:

  1. Relying on stats
  2. Not helping...

Proven Life Insurance Producer Tips: How to Get More Clients

Editor’s Note: This blog was originally published on 12/20/16 and has been updated for accuracy and...

5 Pitfalls to Avoid in Naming a Beneficiary 

Help clients avoid these mistakes when naming a life insurance policy beneficiary:

  1. Naming a minor...

How to Find Life Insurance Prospects Using Social Media

How to Find Life Insurance Leads Using Social Media

  1. Outline your Goals
  2. Know what to post
  3. Get...

Here’s How a Drop Ticket Can Boost Your Profitability! [VIDEO]

Your life insurance prospect is ready to buy!

What Insurance Agents Need to Know Before Selling IUL and VUL 

Selling IUL and VUL

Since IUL and VUL are primarily used to build cash, you need to be sure the...

Why Life Sales Training Doesn't Exist & How to Fix It [VIDEO]

Life is busy – personally and professionally.

How to Be a Life Insurance Black Belt! 

Growing your sales is a key goal for every life insurance producer. There are a number of ways to...

11 Tips to Help Life Insurance Producers Succeed

Have you ever wondered why some life insurance producers are successful and others struggle to get...

9 Proven Prospecting Tips for Life Insurance Agents 

9 Proven Prospecting Tips for Life Insurance Agents:

  1. Be specific about what you do
  2. Create a...

Life Insurance Sales: Learn How to Step It Up

The bottom line is your bottom line, right? Your goal is to sell as much life insurance to as many...