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Frequently Asked Questions

What is Final Expense and Mortgage Protection Insurance, and who is out target market?

We sell final expense and mortgage protection life insurance policies to cover funeral costs and to pay off the mortgage in case of death or disability. In most situations, we can insure almost anyone age 0-85. Most can qualify even with existing health conditions, with no medical exam. It provides a valuable service to our community and to the families of the people that need our help the most. They generally insure under $15,000 in coverage, but we can insure up to $1 million + based on certain health restrictions.

Why Final Expense and Mortgage Protection?

Final Expense and Mortgage Protection is about offering a product that everyone needs, educating our community on its importance, and helping families. There is no better feeling than providing a product and a service that assists people at one of the most difficult times in their life.

How Many Carriers Do We Offer?

We are partnered with 7-10 carriers who offer various products to our clients.

Is a special license required to sell Final Expense and Mortgage Protection Insurance?

Yes, you must have or be willing to obtain a life insurance license. You will be responsible for attending pre-licensing class, which we offer at a discounted rate, exam/testing fee, state background fee for your respective state per and Errors/Omissions.

I’ve seen Ads from other companies and other agencies. What separates Diabetic Insurance Solutions?

You will receive 120% support from us in every area, and the background of success in Final Expense at all levels. Many other managers have been given producing groups, territories, and agents. However, we are a firm believers in letting the numbers do the talking, versus making promises we can’t back up.

Other managers and companies make promises on personal production, agency growth, opportunity, and income potential. But the truth is how can they teach you if they aren’t doing it? How can they promise something they’ve never accomplished themselves? We will be one of the fastest growing Final Expense Agencies in the country.

Diabetic Insurance Solutions has a unique training system, support structure, and systems in place to ensure your success. You can duplicate the results in half the time, with our help! We just need the right people to get in the right seats on the bus! There are no short cuts or get rich schemes here, but if you work hard and dedicate yourself, you truly have unlimited income and growth opportunity.

Our passion is to help others grow and reach their full potential. We’ll personally mentor you, and do everything in our power to ensure your success, can they?

What Experience is required?

None! No Sales or Work Experience Required! We will train you regardless of experience.

We only require:
Positive Attitude
Competitive Nature
Good Work Ethic

Who is Generally A Good Fit For Our Company?

We have successful agents/managers from all walks of life and experience levels. All you need is a positive attitude and a great work ethic.

What previous career paths transition well into selling final expense and mortgage protection?

Recent High School or College Graduates
Business Owners
Real Estate/Mortgage
Auto Sales
Sale Management
Outside Sales
Inside Sales
Speaker or Sales Trainers
Time Share Sales
Door To Door Sales or Canvassing
Any Hard Close Sales
Customer Service Reps
Bartenders/Waiters/ or Food Service
Athletes (Anyone with a competitive nature)

What Does the Average Producing Agent Making Their 1st Year?

New agents with zero work/sales experience typically average $100,000-$245,000 their first year. Your income will depend on how well you implement our training, and how much time you dedicate to spending in the field.

What Can A Top Producing Agent Earn in Their 1st 12 Months and Beyond?

If you are someone that is willing to spend 40+ hours a week in the field selling, mimicking our sales training, and working 60+ leads a week, you can make anywhere from $150,000-$300,000 gross income in your first year!

DON’T LIMIT YOUR EARNING POTENTIAL! Ask yourself… how bad do you want it, and how hard are you willing to work for it?

Is This Network Marketing, MLM, or a 'Pyramid Scheme'?

No this is NOT! It is nothing like a network marketing company. We are in a highly regulated industry that are governed by state laws. You have to take a state exam to become a life insurance producer. Last time I checked, MLM doesn’t required this.

Is There Any Cost to Start?

You are responsible for the cost of obtaining your life license.

Where else can you start a business, earn a 6+ figure income without years of school, money out of pocket, or any experience?

Is There Any Room for Advancement?

We are always looking for candidates with the right characteristics who want to move into management. You have to show us that you can follow our training, produce consistently, and have the right attitude and characteristics to be a successful manager. The more you produce, the faster we will promote you on our Management Program. You can be hiring, training, and overriding commissions in 6 months or less!

I Want To Hire People and Manage From Day One, Can I?

Yes and No. In rare circumstances, we may allow someone to start as a manager if they already have a proven agency in place, with agents they have brought on. Ask about how you can get promoted in under 6 months with our Management Program.

We’re always looking to promote people that show the right characteristics into management, but we want to make sure they build a strong base first. Managers that have never experienced struggle, usually make less money, are consumed by debt, and generally don’t last in the long run.

Managers have more responsibility and liability. Yet, when your agency is built with the proper foundation, you have the opportunity to make a lot more money.

What Can A Manager Make?

Generally, most agency managers will make $300,000-$500,000 based on production and unlimited earning potential with vested renewals day one.

How Long Will it Take until I Can Start Earning Commissions as an Agent?

Processing times vary by state, but you should be able to get fingerprinted, complete the prerequisite courses, and pass your test within 7 to 14 days. Most states will issue your license within 2-3 business days, if you have supplied them with everything they need. During this final waiting time you can fill out our contracts, and begin the training process. You should be in the field making money within 2 to 3 weeks of starting the process. And when you write business, you get paid on a daily basis.

How much will everything cost for me to obtain my license?

Costs vary by state, but it is approximately $426 for everything. However, all fees are not due upfront. All pre-licensing, exam and state fees are spread out and due at certain times in the process.

How many hours will I have to spending in the field working leads and setting appointments?

We require that you spend 40 hours a week in the field working your leads, but to become a top producer we recommend 50 hours a week. The more time you put in the field (especially your first 6 months to a year) the easier this will be, and the more money you will make.

We are only looking to hire FULL TIME and PART-TIME agents. If you can’t dedicate the time, then please DO NOT apply. We are ONLY looking for the serious, not curious!

What Areas are the Best to Work?

Middle to lower income is our niche, and is where we sell the most policies. We recommend the lower income neighborhoods, because most of our clients are living check to check and have to have some type of funeral plan in place. Otherwise, their loved ones are left holding the bill when they pass. We don’t recommend working the affluent areas, because if they have a lot of money they can pay for their own funeral out of pocket.

What is the Average Closing Ratio?

For every 10 appointments set, we typically close 8 policies. Also, we work referrals, and sometimes write multiple policies in one household.

If you are closing less than 25%, you are doing something really wrong. You really should be around 30% closing ratio. If you are struggling, all you have to do is ask for assistance and we will help you to make the necessary adjustments to get your ratios up, and be successful.

How Does Our Training Work?

We do agency and product knowledge which should take only a few days. Then, we will conduct local field training with you with one of our top producing agent/managers. You will then role play and go through the objections to make sure you are ready. Once you have mastered the scripts, we’ll let you hit the field. But you will be expected to close a minimum of 25-30%. If you are struggling, we’ll put you back in the car and help you make the adjustments for you to become successful.

What is the Starting Compensation?

Our starting Comp is 60% commission level up to 140%. We have the highest compensation in the industry with vested renewals day one.

What is Required to Get A Higher Contract Percentage?

Production, Production, Production! Everything is based on personal production, and your group’s production if you are a manager. Equally important is Policy Persistence as we want the business to stay on the books. There is equal opportunity for everyone in the company to grow, expand, and have an opportunity to earn higher contracts based on production.

What Is the Average Monthly Payment for Our Clients?

$40-$100 a month is the most common, but we can go as low as $12 a month.

What is the Average Face Amount of Each Policy?

$100,000 or less is the most common policy sold.

What is the Maximum Face Amount that We Offer?

$250,000, but it also depends on the carriers you choose to write with.

What Type of Life Insurance is This?

We sell simplified issue final expense, term, IUL policies, and annuities. These are designed to cover funeral costs, mortgage protection, and retirement options. Most people qualify, even those with pre-existing medical conditions.

How can you make $200,000 to $1 million a year from $40 a month policies?

Volume! Again these are small policies for a small premium, but we sell A LOT of policies.

What Would My Commission be on a Policy with a $50 a Month Payment?

Beginning agents would get $360. How many can you sell in a day? 1, 2, 3, More?

Do You Have Chargebacks?

Yes. All insurance companies have chargebacks if the client cancels within their first year.

How Many Policies Cancel Within the 1st Year?

Every company is going to have cancellations and most say you are doing well if you can retain 70% of your first year business in Final Expense. But we have a system on how to retain more business so you can keep more of your money!

Are you a Captive Agency?

No, we are a non captive agency. But the perks we have like gifting programs based on production, exotic trips, and a fun team environment makes our agents stay loyal to us.

What Does an Agent’s Average Day Look Like?

Our agents are out in the field working 25-30 appointments a week. You have the ability to set and work your own schedule, but you must commit to a minimum of 40 hours a week. It’s recommended that you start in the field by 8am and that you put in a solid full day’s work, until your goal is met. If one day you fall short, work the following day until you make up your daily goal. Most of the time is spent talking with people in their homes. This is a true outside, in-home sales with a proven system.

What Are You Waiting For?

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