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Big sales, big problems with indexed universal life insurance

April 10, 2025 By John Hilton

Problems with indexed universal life insurance.

One thing that nobody will argue is that IUL sells, and sells big. While other types of life insurance products lag with low-single-digit growth or negative sales numbers, IUL face amount increased 11% in the first quarter and the number of policies sold increased 13%, LIMRA reported.

Category: Indexed Universal Life Insurance (IUL), Sales

Q4 2024 Life Insurance Sales Recap and What Agency Owners Should be Doing

April 3, 2025 By Drew Gurley

market trends in life insurance 2024

If you’re running an agency or leading a team of producers, this isn’t the time to coast. The fourth quarter of 2024 wasn’t just strong, it was directional.

Category: Insurance News, Life insurance

Capturing Turning 65 Medicare Leads

March 14, 2025 By Drew Gurley

Turning 65 Medicare Leads

As an insurance agent, effectively targeting and converting Turning 65 Medicare leads (baby boomers) can have a measurable impact on your agency revenue. Learn More.

Category: insurance marketing, Leads, Medicare

What is Vector One?

February 4, 2025 By Drew Gurley

What life insurance agents need to know about Vector One.

One of the most significant consequences of unpaid debt in the insurance industry is being reported to Vector One. Learn More.

Category: Final Expense

Final Expense Agent’s Guide to Understanding the Funeral Market

February 4, 2025 By Drew Gurley

Final expense insurance agent's guide to understanding the funeral market.

One major trend in the declining face amounts of final expense policies is the growing popularity of cremation. Learn more.

Category: Final Expense

Final Expense Target Market

February 4, 2025 By Drew Gurley

What is the target market for final expense insurance sales?

Final expense insurance serves a large and diverse market, primarily made up of individuals who want to ensure their loved ones are not burdened with funeral costs without the costs of a pre-paid funeral.

Category: Final Expense

Average Final Expense Commission Levels for Independent Agents

February 3, 2025 By Drew Gurley

Understanding the average final expense commission levels.

Final expense insurance is one of the most lucrative life insurance markets for independent agents, offering high commission payouts, fast approvals, and steady client demand.If you’re considering selling final expense insurance, understanding how commissions work is essential to setting realistic income expectations and growing a successful business. This guide will break down the average final […]

Category: Final Expense

Choosing the Right Final Expense FMO [Including Recommendations]

February 3, 2025 By Drew Gurley

How to choose an FMO for final expense insurance sales.

If you’re serious about selling final expense insurance, partnering with the right Final Expense Field Marketing Organization (FMO) is one of the most important decisions you’ll make. A great FMO provides carrier access, training, marketing support, and business transparency, all of which are crucial for your long-term success. Let’s walk you through what an FMO […]

Category: Final Expense

Don’t Mistake This Common Mistake When Selling Final Expense

February 3, 2025 By Drew Gurley

Common mistake insurance make when first starting to sell final expense insurance.

One of the most common mistakes I see in the final expense insurance industry is agents trying to diversify too soon, before they have developed real competence in final expense sales. This is one of the quickest ways to stall your progress and ultimately fail. The second is not reading the ultimate guide to selling […]

Category: Final Expense

Startup Costs For a Final Expense Agency

February 3, 2025 By Drew Gurley

Start up costs for starting a final expense insurance agency.

Final expense sales is a business, and like any business, it requires proper planning, budgeting, and execution. If you don’t treat it seriously, you will struggle and someone will be there to say, “I told you so.” One of the biggest factors in your success is lead investment. I always tell agents that if they […]

Category: Final Expense

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