You can't play hit and miss. Your selling future is at stake, and your mind won't focus on anything but the cost of the lead. It's time to have yourself hogtied and force a thinking cap on your thick skull. Grab firmly near the eyes and force focusing on the big picture. The big picture affects source of lead, appointment ratio, closing rate, average commission, and then net commissions. Get more informed by comparing these 3 totally different life insurance lead options.

1. The $10.00 life insurance "shared" lead sold to 6 agents (actually a bakers dozen) sounds as tasty and as cheap as a box of donuts, that you don't need. Cheap does not mean better. You don't need 20./20 vision to envision what happens. Purchasing 20 leads for $200.00, you achieve a meager appointment ratio of one in 5, and a sales ratio of 25%, 1 in 4. With internet shared leads you directly compete against other agents, plus the sale may have already been made .The total picture views one $550 sale, but after lead expenses, sandwiches, and gas leaves $300.00. Can you survive on $300.00 weekly?

2. Now search the internet for life insurance exclusive leads. At least you are told they are exclusive. Taking a chance you shell out $460.00 for 20 exclusive leads sworn to be the best available, 6 of these life insurance prospects agree to an appointment, and you sell two an average policy of $600.00. Now you netted out, before gas, $1,200. This semi-improvement reflects after expenses, income tax earnings of $50,000. A big step up, but it's certainly not worth bragging about.

3. Search next for reliable companies using direct mail to uncover life insurance leads. One reputable firm charges $540.000 for finding 1,000 prospects in the income and age bracket that always works best for you. The cost includes postage and printing services, and you receive all leads exclusively. 12 life insurance prospects request info and real interest. The six appointments with more sincere clients results in half (3) purchasing life polices; increasing your average sale to $700.00. $2,100.00 in total. After expenses of gas, lunches, and direct mail you wind up with a respectable $1,500. Now you are a life insurance salesperson, and a $75,000 income potential.

FINAL ANALYSIS: $10 internet shared leads left you in poverty, $23.00 internet exclusive leads kept the water level at your neck. $45.00 direct mail life insurance leads made you a successful professional. The amount you are willing to spend on a lead system can make you a poverty case, bill struggler, or career advancer.

Locate the cost per lead source that works best and matches your skills. Then reluctantly swallow a face the facts dose of life insurance selling reality.