List of State Licenses and Corresponding Fees + Perpetual Licenses – Quick reference spreadsheet for pricing of non-resident state licenses.
Field Underwriting Questionnaires – Awesome 117 page reference guide by NAILBA. Print it out and reference it when working impaired risk cases.
List of MGA Drop Ticket providers we recommend:
DigitalBGA – This is my own BGA. We focus on carrier drop tickets and non-med products.
Quick Life Center – Great people and owned by Crump (the biggest IMO in the US)
Recommended CRMs that can handle queue based selling platforms:
For the internet life insurance agent taking several new leads daily, VanillaSoft is the best option we know of. Check out their demo here. Beyond the queue based calling, there’s no contracts or setup fee and is fully customizable. We’ve worked out an agreement with Vanillasoft to copy our exact workflows so you’ll start with the automation and call queues we use (they’ll show you to modify). Click here for a 30 day trial here – you have to use this link so they know it’s connected to our account to get our CRM loaded in. You’ll have to follow up with VanillaSoft and ask them to clone our CRM into yours and they will when they see the referral came from us. There are multi-million dollar annual premium agencies running on Vanillasoft – it’s powerful.
Beyond Vanillasoft, other queue based selling platforms are Velocify and DYL. Both are great, although Velocify has a big setup fee and commitment.
If you’re not buying or generating a few leads/day, look at RadiusBob or VamDB.
Website Hosting Recommendation:
We’ve used dozens of hosts – Bluehost, HostGator, GoDaddy, you name it and we’ve had problems with all of them. All our websites run on WPEngine – a premium Wordpress host for several reasons and we can’t recommend it enough:
(1) Your website will be blazing fast which helps with search engine rankings and remember that 40% of people abandon your website if it doesn’t load within 3 seconds.
(2) You never have to worry about your website going down. They report a 99.9% uptime (no hosts are perfect) and if your site goes down, they’ll get alerted and get it back up for you – this is just peace of mind that you never have to troubleshoot with support to get your site live.
(3) Powerful security. They automatically back up your website daily and scan for malware regularly.
If you have a website and experienced slow website load times, your website being down or hacked – you’ll really appreciate WPEngine and can migrate away from your hosting and to WPEngine for free in about 15 minutes of following a step by step process and their support can help you (their support is awesome).
It’s worth the extra money. WPEngine is $29/mo, but we have a coupon for 20% off your first payment here.
FREE Courses To Learn Paid Traffic We Recommend:
List of the top non-med life insurance products internet agents are writing (updated August 2016).
Keep mind there are a lot of non-med products out there we evaluate constantly (it’s my agencies core business). What’s listed below can and will change as others enter the market and current products change. Example: our #1 product use to be Sagicor early in 2016, now we don’t even write it anymore.
Ask your upline about getting access to these products below:
SBLI ZipApp – Drop ticket program from SBLI – up to $500k with no exam. There is no reason to write a fully underwritten policy under $500k unless there’s a health issue at play as it’s competitive with fully underwritten rates. This is by far the #1 non-med product today.
Phoenix Life – E-signature platform. This is a “B” rated company and a bit more expensive. However if you explain the living benefits they receive – many consumers will pay more for this product. Agents are getting a great response to this product and it’s our #2 selling non-med product currently.
5 Star Family Protection Plan – “Term to 100” up to $150k. No MIB, Rx or MVR…answer 7 yes/no questions and you’re approved if the answer is “No” to all questions. No smoker or build chart either. Critical illness add-on as well. Quick/easy process and immediate issue.