Lead Vendors
EverQuote
Bleidys Arias | Bilingual Account Manager, Life
Special Discount for FFL, just let him know "Shawn Maeike" sent you
Cell: 617-206-6492
Office: 617.206.6492
Email: barias@everquote.com
Schedule a Call: Schedule
Life Lead Form: Form
EverQuote has been selected, by Lead Council voting process, for the Gold award for Best Third Party Lead Generator and the Gold award for Most Innovative Company in the Insurance vertical!
Mail Pro (Direct Mail Leads)
Highly Recommemded $29.87Final Expense Lead
Email: leads@familyfirstlife.com
Mail Pro Mortgage Protection: Availability
Arm leads

ARM Final expense/m drops: On demand mailing for agents with a $375/m price. Agents contact ARM and work directly with us. Agent selects territory and any piece they like from the Final Expense catalog. Pull percentage on orders has ranged from 1 to 2.28%. For all ARM programs call Alexa Awe 800-992-2722 ext 5023
To Place an Order: Email:Leads@familyfirstlife.com or call Sasha@ (860)317-1324 ext#4 If an area is not available be sure and ask Sasha to put you “ON DECK” which means as soon as it opens up you will be next in line.
Lead Credit Guidelines
- Submit to leads@familyfirstlife.com and must be submitted within 30 days of receiving the lead.
- Above age 80, non-English, bad contact information, SOME duplicate leads
Leadco
A vendor for mortgage protection that has Geo Price every county is different. Leadco charges up front for leads, you prepay for 22 leads at a time. Every county has a different price. Don’t forget to ask about LeadCo’s SR Leads which are $12 dollars a piece. (these are mortgage leads over the age of 70) These are Andrew and Paul’s favorite lead.
Contact Email: Cheryl@leadcoleads.com Phone Number: (888)346-4686
Lead Credit Guidelines- Submitted to leads@familyfirstlife.com and must be submitted within 30 days of receiving the lead.
- Above age 80, non-English, bad contact information, SOME duplicate leads
Lead Concepts (Direct Mail Leads)
*Highly Recommended*
Contact: Clay Davenport clay@leadconcepts.com
Lead Star (Direct Mail Mortgage Leads)
Contact: 1-866-314-5323 greg@leadstarleads.com
Deposit Required
Mail Co (Direct Mail Leads)
Contact: 336-993-5323
Questions@mailcoproductions.com
Cherry Picked Leads
A nationwide inventory of older leads that range from 50 cents a lead to 15 dollars a lead. Our favorite are the second chance mortgage leads and the $3 mortgage leads. Ordering instructions.
- Log into your CRM on the FFL site CRM
- Click on Create a Lead
- Click on Cherry Pick Mortgage Leads
- Enter your desired area and start shopping
Mail Pro (Direct Mail Leads)
Highly Recommemded $29.87Final Expense Lead
Email: support@mailproleads.com
Arm leads

ARM Final expense/m drops: On demand mailing for agents with a $375/m price. Agents contact ARM and work directly with us. Agent selects territory and any piece they like from the Final Expense catalog. Pull percentage on orders has ranged from 1 to 2.28%. For all ARM programs call Alexa Awe 800-992-2722 ext 5023
To Place an Order: Email:Leads@familyfirstlife.com or call Sasha@ (860)317-1324 ext#4 If an area is not available be sure and ask Sasha to put you “ON DECK” which means as soon as it opens up you will be next in line.
Lead Credit Guidelines
- Submit to leads@familyfirstlife.com and must be submitted within 30 days of receiving the lead.
- Above age 80, non-English, bad contact information, SOME duplicate leads
Lead Concepts (Direct Mail Leads)
*Highly Recommended*
Contact: Clay Davenport clay@leadconcepts.com
Cherry Picked Leads
A nationwide inventory of older leads that range from 50 cents a lead to 15 dollars a lead. Our favorite are the second chance mortgage leads and the $3 mortgage leads. Ordering instructions.
- Log into your CRM on the FFL site CRM
- Click on Create a Lead
- Click on Cherry Pick Mortgage Leads
- Enter your desired area and start shopping
Facebook Hiring Leads
The new Recruiting campaigns are $1,500 per month, to customize, run, analyze, and tweak your recruiting campaign each month.
Start A Hiring Campaign NowCompensation Details
Email News
Training Podcasts
Hiring Templates
Hiring Life and Health Agents! Free Training Leads to Start you off!
Can you work 40 hours a week? Are you coachable? If the answer is yes to both of those you will have success in the system that we provide. Reach out to see if we are a good fit.
Text or call to set up an interview: Name (number)
About The Rogue IMO:
We are the fastest growing team in our organization. Our phenomenal support and professional training and coaching has been proven to get brokers results in less than 30 days or within their first 90 days in the field. We have a proven model that will have you making money quickly and sustainably if you are coachable and willing to work hard. We have a positive winning culture of elite producers that thrive on protecting families and earning what they deserve. There's a reason that seasoned top producers join our team - they know from experience that with our model, support and compensation plan is the best in the industry.
Title: Do you smile a lot?
Body: Glassdoor link
Rouge IMO video.
Call me after you watch video
I like to keep it simple. Change the titles up. Make it appealing, different and pick up the phone when people call
Earn up to $5000++ per week FT - $1000 - 2500 PT
Work for yourself from home or from one of our offices.
We literally have agents from all walks of life killing it here with FFL selling life insurance!
Why? Because we offer:
Highest compensation in the industry plus bonuses!
Fully vested from day one so you're paid on renewals!
Ability to build your own team and earn overrides!
Free training!
Tons of agent support!
Fastest growing IMO!
We pride ourselves on being the most agent friendly IMO in the industry.
Licensed or unlicensed encouraged to apply.
80%-120% Starting Comp. for Top Producers!
QUALIFICATIONS
*At least $30,000 in Issued Paid production YTD
What do we have to offer?
- Aggressive Compensation +Bonuses
- Qualified Lead Program
- LIVE regional training from REAL top producers
- Vested Renewals?
- No contract or fees
"If you are currently an independent contractor or employee of Superior Performers Inc d/b/a National Agents Alliance ("NAA"), please disregard this ad. We are not currently hiring NAA agents."
5 Things that separates Family First Life from the rest of the industry
- Aggressive Compensation + Bonuses
- In the insurance industry most companies will start you at 55% and cap you at 110% so they can keep more of your commissions. Here at FFL we start our agents at 80% they can advance up to 140%.
- FFL pays producer bonuses, agents can earn up to 2% additional commission on their annual production.
- One of the biggest concerns for life insurance agents is the upfront cost of leads. Most companies do not offer an exclusive lead program, and when they do the cost is too much for the agent to handle when getting started.
- LIVE Regional Training from REAL Top Producers
- It can be very difficult to find an IMO that offers sales training to its agents that isn’t limited to online modules. Here at FFL we offer hands on regional training from qualified producers. It doesn’t matter where you live in the U.S. we can provide local support.
- All of our trainers issue pay $20,000 MINIMALLY each month, so we can guarantee you’ll be well equipped to quickly learn how to close over 75% of your appointments.
- Do you know what Vested Renewals are?
- If your answer to this question was no than you are probably not being paid renewals. Renewals are residual commission payments that you receive for the life of certain policies you write.
- At FFL, these residuals are vested day one meaning if you ever leave FFL you take your renewals with you.
- No Contract or Fees
- FFL is one of the few true independently owned IMO’s in the industry. We are not contracted through another IMO, FFL works directly with several Top Rated Insurance Carriers which allows us to offer the most aggressive compensation in the industry, pay bonuses and give out vested renewals because there is no other entity to share the commission with. FFL agents are also truly independent, there is no contract for you to sign with FFL we understand the independent contractor relationship as FFL is a company that was built by producers for producers.
- We pride ourselves on the fact that there are no fees associated in working with FFL. No startup cost, no cost for training or to attend our Sales Conferences. If you are looking for an MLM or Networking Marketing Organization FFL would not be a good fit for you.
Are you currently being offered these benefits?
If the answer to that is no then why are you not working with Family First Life?
"If you are currently an independent contractor or employee of Superior Performers Inc. d/b/a National Agents Alliance ("NAA"), please disregard this ad. We are not currently hiring NAA agents."
LICENSED AGENTS HIRING PROCESS
Hi, I’m Janell calling from Family First Life. Looks like you were on Zip Recruiter/Craigslist/Facebook/
STEP 1: HAVE YOU SEEN ANY INFO ABOUT FAMILY FIRST LIFE?
- If NO: direct them to
(INSERT A company overview video, if you need one go to YouTube and find one you like)
- If YES: what did you look at? If it’s not a video, direct them to the video.
STEP 2: ASK PRESSING QUESTIONS
1) Why are you looking?
2) What do you not like about the current company you’re working with?
3) What are you currently issue paying a month?
4) What is your current comp?
5) What are you hoping to get here with us?
After you find these things out and they might be good candidates…
Sell them on the 6 things about FFL
STEP 3: SELL THEM ON 6 THINGS REGARDING FFL
1) Highest Paying Comp – FFL has the highest comp in the industry. Paying anywhere from 80-140%.
- Most IMOs pay anywhere from 25% and above. That’s ridiculous.
2) Vested Renewals from DAY ONE – If you have a book of business and LEAVE FFL, your business goes with you. It doesn’t stay with the company.
3) Our Training is FREE – All the conference calls, online training, in person sales trainings, national conferences are FREE
- Lots of companies charge you for training
- Will the company make more money if you SELL or if you DON’T SELL? (obviously if you sell). So why would we NOT teach you everything we know, so you CAN go out and SELL as much as you can?
- All our trainers are 20k producers who are in the field, not agents behind the desk telling you what they think they should do.
4) Cost to join FFL is FREE – Unlike MLM (multi level marketing/network marketing companies), we don’t charge you a fee to join us.
5) No Contracts – If you decide to leave, we will sign your release the same day, assuming you have NO debt.
- Other companies will hold you contract hostage for 6 months.
6) Leads – You don’t have to sell to your friends/family (warm market) unless you want to. We sell to LEADS, people we don’t know who requested information about insurance.
STEP 4: CONTRACTING
(send them your contracting link)
- Copy and Paste their information from GOOGLE SHEET into this form (double check their information and make sure it’s correct
- Negotiate their comp
(ask your manager to negotiate with them if you need help at first)
STEP 5: PUT THEM IN FACEBOOK GROUP (If they are on FB)
The Facebook Group is a place where all our agents throughout the US communicate and support one another.
- Our conference calls, training schedule, training material, weekly submit numbers, and much more are available for you to see what we are doing.
Here is the LINK: (give them your link)NON-LICENSED HIRING PROCESS
Hi, I’m Janell calling from Family First Life. Looks like you were on Zip Recruiter/Craigslist/Facebook/
STEP 1: HAVE YOU SEEN ANY INFO ABOUT FAMILY FIRST LIFE?
- If NO: direct them to
(find a good overview video on YouTube and INSERT LINK HERE & send them an email)
- If YES: what did you look at? If it’s not a video, direct them to the video.
STEP 2: SELL THEM ON 6 THINGS REGARDING FFL
1) Highest Paying Comp – FFL has the highest comp in the industry. Paying anywhere from 80-140%.
- Other IMOs pay anywhere from 25% and above. That’s ridiculous.
2) Vested Renewals from DAY ONE – If you have a book of business and LEAVE FFL, your business goes with you. It doesn’t stay with the company.
3) Our Training is FREE – All the conference calls, online training, in person sales trainings, national conferences are FREE
- Lots of companies charge you for training
- Will the company make more money if you SELL or if you DON’T SELL? (obviously if you sell). So why would we NOT teach you everything we know, so you CAN go out and SELL as much as you can?
- All our trainers are 20k producers who are in the field, not agents behind the desk telling you what they think they should do.
4) Cost to join FFL is FREE – Unlike MLM (multi level marketing/network marketing companies), we don’t charge you a fee to join us.
5) No Contracts – If you decide to leave, we will sign your release the same day, assuming you have NO debt.
- Other companies will hold you contract hostage for 6 months.
6) Leads – You don’t have to sell to your friends/family (warm market) unless you want to. We sell to LEADS, people we don’t know who requested information about insurance.
STEP 3: PUT IN PRE LICENSING
Log into https://familyfirstlife.
1. LOGIN on Home Page
2. CAMPUS LOGIN
3. CRM
4. Hiring à Voucher
5. Copy & Paste Email, and SEND
STEP 4: PUT THEM IN FACEBOOK GROUP (If they are on FB)
Your Agency Facebook Group is a place where all our agents throughout the US communicate and support one another.
- Our conference calls, training schedule, training material, weekly submit numbers, and much more are available for you to see what we are doing.
Expansion
Family First Life is expanding and looking for men and women who truly care about serving their community! We service families who request to speak with a rep about purchasing life insurance. These families know that they need coverage but they don't know what they would qualify for, what the cost would be, or how to pick a good insurance company. We send our agents to meet with these clients and help them to qualify.
The average commission per transaction is $750 and this is an opportunity that can be done on either a part time or full time basis. Family First Life is proud to say that we work with a lot of successful men and women who come from a military background. We've seen a lot of similarities in the basic principles between sales and the military and because of that these individuals tend to get through the training process at an accelerated rate. And due to the flexible nature of this position those who serve in the reserves have no issue fitting this position around their obligations.
For more information please call (XXX)XXX-XXXX
Why work with Family First Life? Because Numbers don't lie.
Scripts
Fred,
This is Chantal Blash and I see your turning 65 on ___________ this year.
You filled out a card requesting information and help with your medicare and I'm the one assigned to help you.
I realize how complicated Medicare is for people and what I do is just explain it to you and help you understand it. So when I leave you understand medicare. (I spend my days educating people on Medicare and Medicare Plans).
Fred, are you retired or are you still currently working?
Retired? Great!! Who's your current health coverage with?
Are you curently collecting your SS? Yes or No
Have you already received your Medicare card in the mail?
(Yes or No) Great!
Still working, Do you have employer coverage? Yes or No
Who's it with? __________________ Great!
What's your weekly work schedule like? (Mon thru Fri? Great I'll be there Saturday).
Like I said I just teach people about Medicare and I'm in your area______________
Is ______________ or ____________ better?
Let me just confirm your address.
Great, see you __________________.
This is a no cost program. I go out all week and my job is just to educate people on Medicare. It's so complicated that you can't make the right choice on your own. And that's what I do, just help guide you thru this complicated decision.
John Hancock Script
Hello ____, this is ____ getting back to you regarding the information you requested on John Hancock Vitality life insurance that offers you a $25 Apple watch and major discounts.
To authenticate the call, you put here your birthday is June 1, 1971 and your Dream vacation spot is Venice Italy, is that correct?
Perfect, again my name is _____ and I am the underwriter that’s been assigned to your case. The way these programs work is that there’s no physical exam, no blood test or nurse visit, they just want us to bring out the information to confirm your identity and go thru the program… it takes about 10 minutes.
(Do you work 9-5? What time do you typically get home?)
6:00
Perfect, I have a 6:15 tomorrow, does that work for you?
{Do you have a pen? I would like to give you my information…}
My name is _____ it’s mortgage insurance…I’ll put you down for tomorrow June 4 th at 6:15 pm
Can you give me a window between 6:15 and 7:15 in case I’m running late? I have about 15 appointments tomorrow.
Now I have you at 123 Cherry Lane, is that about right? Perfect! Is there a gate out front or may I just knock on the door? Perfect look forward to seeing you tomorrow.
AIM Acknowledge, Ignore, Move Around
Annual Review Script
Hello,(Client)?(Client ),my name is ________and I’m calling from your insurance agent Paul McClains office in regards to your life insurance policy with (insurance company).
(Client) once a year we go through the rates and benefits and update our clients. My job is simple, its to do a curtesy review of your policy, see if there is any adjustments making it more affordable and to go over the benefits of your plan.
I will be dispatched out in your area on ________ and get your quick review in between appointments at _________ or __________ what time is better?
Ok perfect I have you down at (time) on (day) and if you can do me a favor as I will have about 11 appointments tomorrow, give me a window between _______ and _______.
Ok, Perfect. Last thing I ask is to have your policy out, if you still have it, if you don’t I will pull it up on my computer and because of our schedule please make sure to definitely be there between ________ and _______ , is that fair enough?
Perfect I look forward to seeing you _________ . Have a great day
Hey Bob, I’m Crystal... sorry to show up unannounced but I’ve been trying to get a hold of you! You had requested information about (mortgage protection, final expense etc) and I was down the street seeing another family so I figured I’d swing by. I don’t have time right to go over it this second but I can swing this by in 15 minutes or later today at 4. Which one do you want?
__________ my name is Paul and Im getting back to you in regards to the Facebook post you responded to for the state regulated final expense programs to help you pay off your funeral or any outstanding debt you might leave behind. It was the one that asked about your favorite color and you said pink. I am the rep assigned to help you. Is there any reason you wont be home between 9 and 10 tomorrow.
Medicare Lead Script (MailPro Medigap 66+)
Hello __, my name is Andrew and I'm calling you back from the Senior Benefit Center right here in (City). The reason I'm calling is because you had filled out a request in the mail to get some information for Medicare programs and CHANGES that affect you!
It says here your birthday is (XX/XX/XXXX) and your wife’s is (XX/XX/XXXX). Is that correct?
I am the local field underwriter assigned to your file and I will drop off the information and see what programs you qualify for. This will take about 10 minutes.
*Set the appointment
My name is ______ and I’m calling you from the quality control department for your insurance policy with XYZ insurance company. We wanted to check in and see if you had any questions or concerns and if there’s anything we can help you with?
Great, before we go did your agent inform you of your eligibility to bundle your policy with an identify theft protection plan?
Ok well most of our clients are very concerned about being a victim for identity theft. The amount of identity theft is rapidly rising to a point where right now you are 19 times more likely to be a victim of identity theft then you are to die prematurely, so we have a bundle option that will give you peace of mind from being a victim of identity theft.
We have partnered with ReliaShield and they will constantly monitor your personal and financial information and alert you of suspicious activity, restore your identity, if you ever become a victim and provide you with $1,000,000 in stolen funds and personal expense reimbursement protection.
I can ask you a couple quick questions and let you know what it would be to bundle the best plan based on your situation ok?
Are you mainly concerned about your identity being protected or for both you and your spouse?
Would you want credit bureau monitoring, to notify you of any changes with your credit report?
Ok perfect, the $1,000,000 in identity theft protection plan with 24/7/365 recovery services, data breach updates, unlimited restoration services and wallet protection would be $________ a month
To add the credit bureau monitoring in addition to those benefits, that discounted plan would be $______ which would make the most since?
Ok perfect I will get you set up here, do you want it to be paid with the same account info as your life policy with xyz company?
Ok great you are all set, you will get an email shortly that will walk you through getting your account set up and if you have any question don’t hesitate to contact us.
Ok have a great day.
Emergency Response In Home Script
Joe, we have a free added service for our clients to ensure your kids get the protection paid out when you pass away . If you look up on the internet how many unpaid death claims there are every year in the U.S. it will make you sick. The number of claims not paid to spouses and children is billions of dollars. And it’s not because the insurance companies don’t want to pay, it’s because they don’t know the client has died. This is what happens all the time; a person gets a policy, 3 years go by, 9 years go by and after a couple years the average American doesn’t know where the policy is or a couple of house moves and they lose it, it’s gone.
“Now let’s say the man dies and then years later his spouse dies and as soon as someone dies the bank freezes their account. So the children can’t call the bank and say give us my mom’s bank account or insurance payment data, the insurance company then doesn’t get the monthly payments with the account shut off and after 90 days the policy gets cancelled. The kids don’t know what company to call about what policy or to find out if there even is one.
To ensure this does not happen to you, we have a service that’s called EMERGENCY RESPONSE NETWORK.
“It works best with 10 people who you know you can trust and are responsible to contact us when you pass away. 10 is best because of the 10, five or six of them will lose the data fairly soon and after a couple years a couple more loose it, but one or two wont and when something happens they will reach out and notify us. With 10 names we are 100% effective in getting a call from one of them when the person passes away. It’s usually not the beneficiary that calls in as they are tied up in grieving, but one of the emergency response people will call in and by the time the beneficiary gets around to contacting the insurance company, the check is already being processed and sent out.
“So we’ll have 10 names – I’ll shoot them a call or give them a message if they’re not there and give them the number to call at the insurance company and my offices contact information.
Who is the first one you want to put down?
Who’s next?
Who’s next?
Okay good – that’s 10.”
In Home Presentation
Mind right before appt— one minute goal setting— Visualize a successfully ran appt.( visualize you covering all the points below with confidence)
Introduction— Mindset; your in control, you are the professional. Confident hand shake, Eye contact, Smile, Assumptive in getting in the door- shoes on, or off?
Report- occupation, recreation, family
Your Role— who you are
I’m a field underwriter not a sales rep. So I look at eligibility. I’m also independent not captive, so I look at all the companies and see based on your unique situation who you’ll be best eligible for. Every situation is unique and different, I have helped clients with Mutual of Omaha today and some with Americo it really depends on health and age.
What you are there to do- GOAL- affordable, understand and qualify
Now my goal is really simple, its to make sure for 1 you can afford it. Because no matter how important it is, if you cant afford it, it does no good… And really the only plan that makes sense is the one thats there for your family when you die and that’s the one you can afford until that happens. Number 2 is that you can qualify, because it doesn’t make sense to look at options that look good but you wont qualify for. So we will look at options that have the best chance of getting you qualified as I understand how important you qualifying for the protection is. Number 3 you understand it, because a lot of families think they have one thing and they really have something completely different. This being the most important thing for your family, I want to make sure you understand it 100%. Does that make sense?
PROCESS— what WE are going to do
Now ______ once we find a plan that is a good fit what we are going to do is fill out a request for coverage, send it in to the company and see if it will qualify. If you don’t, I know that doesn’t change how important it is, so you can trust I will look at a different option. If it does qualify and the company says yes, we will have 30 days to increase it, decrease it, or just leave it as it is. Does that make sense?
Financial inventory - THE WHY
Now ______ , I specialize in mortgage protection, final expense, Life insurance and retirement planing, so I’m going to ask you a bunch of questions to figure out your situation and what plan would best qualify you. ( go through all questions on the financial inventory)
DIG DEEP— questions keep you in control and create emotion. You want them living in the picture of them dying and what it will feel like and what it will be like. These are questions to accomplish that.
When you get to the income kill the spouse off by saying, “______ if you didn’t come home tomorrow and (beneficiary) you got a knock on your door from a policy officer holding your spouses drivers license this income would be gone correct?” “How would that impact your ability to pay the bills and take care of the family?” “What would that look like?” “Would you loose the house?” “Do you know the bank would keep all the equity?” “Got it, Im assuming that’s the main thing to protect the family and make sure that stuff doesn’t happen, correct?”
Quote – put down 3 options with in range of what you think would be affordable.
The CLOSE
now (name) we can’t make a decision today because we don’t know if you will qualify, but if you were to qualify which one of these protection plans do you think would make the most sense based on protection and affordability? Perfect, grab your drivers license and we will see if you qualify.
Tip- through out the entire inhome reiterate the value proposition
Have stories you tell through out that solidify your points and magnify value
People want to do what everyone else is doing; therefore continuously say, “this is what all my clients do in your situation”
Tip- if your close ratio isn’t where it needs to be its because on one of two reasons. One, you are not building enough value. You need to dig deeper by asking more questions and getting them emotional about what it is going to look like when they die. Two, you are not being assumptive. They filled out a form asking for you to call them, they booked an appointment with you and you are at their house where their kids sleep. They want the protection be assumptive through out the whole appointment. If your not it will creep them out and they will want to think about it.
Audios and videos on different inhome scenarios and how to increase your close ratio can be found by clicking link below.
http://agencydojo.com/in-home-training-paul/
LICENSED AGENTS HIRING PROCESS
Hi, I’m Janell calling from Family First Life. Looks like you were on Zip Recruiter/Craigslist/Facebook/linked in and requested info on Family First Life.
STEP 1: HAVE YOU SEEN ANY INFO ABOUT FAMILY FIRST LIFE?
- If NO: direct them to
(INSERT A company overview video, if you need one go to YouTube and find one you like)
- If YES: what did you look at? If it’s not a video, direct them to the video.
STEP 2: ASK PRESSING QUESTIONS
1) Why are you looking?
2) What do you not like about the current company you’re working with?
3) What are you currently issue paying a month?
4) What is your current comp?
5) What are you hoping to get here with us?
After you find these things out and they might be good candidates…
Sell them on the 6 things about FFL
STEP 3: SELL THEM ON 6 THINGS REGARDING FFL
1) Highest Paying Comp – FFL has the highest comp in the industry. Paying anywhere from 80-140%.
- Most IMOs pay anywhere from 25% and above. That’s ridiculous.
2) Vested Renewals from DAY ONE – If you have a book of business and LEAVE FFL, your business goes with you. It doesn’t stay with the company.
3) Our Training is FREE – All the conference calls, online training, in person sales trainings, national conferences are FREE
- Lots of companies charge you for training
- Will the company make more money if you SELL or if you DON’T SELL? (obviously if you sell). So why would we NOT teach you everything we know, so you CAN go out and SELL as much as you can?
- All our trainers are 20k producers who are in the field, not agents behind the desk telling you what they think they should do.
4) Cost to join FFL is FREE – Unlike MLM (multi level marketing/network marketing companies), we don’t charge you a fee to join us.
5) No Contracts – If you decide to leave, we will sign your release the same day, assuming you have NO debt.
- Other companies will hold you contract hostage for 6 months.
6) Leads – You don’t have to sell to your friends/family (warm market) unless you want to. We sell to LEADS, people we don’t know who requested information about insurance.
STEP 4: CONTRACTING
(send them your contracting link)
- Copy and Paste their information from GOOGLE SHEET into this form (double check their information and make sure it’s correct
- Negotiate their comp
(ask your manager to negotiate with them if you need help at first)
STEP 5: PUT THEM IN FACEBOOK GROUP (If they are on FB)
The Facebook Group is a place where all our agents throughout the US communicate and support one another.
- Our conference calls, training schedule, training material, weekly submit numbers, and much more are available for you to see what we are doing.
Here is the LINK: (give them your link)
- welcome them to the team in the Facebook group so they feel apart of the team.
NON-LICENSED HIRING PROCESS
Hi, I’m Janell calling from Family First Life. Looks like you were on Zip Recruiter/Craigslist/Facebook/linked in/referal and spoke with one of our team members or asked for more information on family first life.
STEP 1: HAVE YOU SEEN ANY INFO ABOUT FAMILY FIRST LIFE?
- If NO: direct them to
(find a good overview video on YouTube and INSERT LINK HERE & send them an email)
- If YES: what did you look at? If it’s not a video, direct them to the video.
STEP 2: SELL THEM ON 6 THINGS REGARDING FFL
1) Highest Paying Comp – FFL has the highest comp in the industry. Paying anywhere from 80-140%.
- Other IMOs pay anywhere from 25% and above. That’s ridiculous.
2) Vested Renewals from DAY ONE – If you have a book of business and LEAVE FFL, your business goes with you. It doesn’t stay with the company.
3) Our Training is FREE – All the conference calls, online training, in person sales trainings, national conferences are FREE
- Lots of companies charge you for training
- Will the company make more money if you SELL or if you DON’T SELL? (obviously if you sell). So why would we NOT teach you everything we know, so you CAN go out and SELL as much as you can?
- All our trainers are 20k producers who are in the field, not agents behind the desk telling you what they think they should do.
4) Cost to join FFL is FREE – Unlike MLM (multi level marketing/network marketing companies), we don’t charge you a fee to join us.
5) No Contracts – If you decide to leave, we will sign your release the same day, assuming you have NO debt.
- Other companies will hold you contract hostage for 6 months.
6) Leads – You don’t have to sell to your friends/family (warm market) unless you want to. We sell to LEADS, people we don’t know who requested information about insurance.
STEP 3: PUT IN PRE LICENSING
Log into https://familyfirstlife.com
-LOGIN on Home Page
-CAMPUS LOGIN
-CRM
-Hiring Voucher
-Copy & Paste Email, and SEND
STEP 4: PUT THEM IN FACEBOOK GROUP (If they are on FB)
Your Agency Facebook Group is a place where all our agents throughout the US communicate and support one another.
- Our conference calls, training schedule, training material, weekly submit numbers, and much more are available for you to see what we are doing.
Phone Script
Hello, (Name)
My name is Paul and I’m getting back to you about the form you filled out on the internet for information on life insurance protection. (Name) I’m the field underwriter that has been assigned to get the information out to you but just need to verify what you put down.(no pause)You put down your DOB is_____? Ok and you are a smoker/non smoker? You are Married/single?
Perfect my job as your field underwriter is simple. We work with a variety of companies, so my job is to get the different options out to y ou and verify you are alive and breathing, as the plans are non medical, meaning no blood and no urine.
We are running behind as we have more request then field underwriters so ill put down some notes. Are you working or retired? What time are you typical ly back in the door from work ? Perfect I will have about 5 minutes and can get in you in between appointments either at ________ or _______, what time is better?
Ok I will put you down then and ill have about 15 appointments booked that day, so if you cou ld give me a window between _______ and ______ I know ill probably need it.
Ok perfect and I have your address at __________, is that correct?
Ok perfect.... Well (name) I have you scheduled on _______ at ________ and I look forward to meeting you and helpi ng you , I will see you then. Have a great day.
FACEBOOK FE SCRIPT
Hey __, my name is __.
I’m
just getting back to you in regards to the post that you responded to
on Facebook for information on the state regulated final expense
programs.
And just to authenticate the call can you confirm
you put here your favorite hobby is __, do you remember doing
that?
(if not: it’s probably something you had filled out or
your daughter or someone like that for you, anyhow, it’s regarding
state regulated final expense programs, the one that pay off your
funeral and outstanding debts you might leave behind. Remember that
now?)
Okay, I'm the local field underwriter in Los Angeles
county area and my job is to sit down with you, go over your health
criteria, and figure out which programs are gonna be available for
you, does that make sense?
Are you still working or are you
retired?
———
Okay great,
I'm gonna be
back in your area ___, I can put you down ___, about ___,
any reason you might not be home around that time?
It’s
gonna be like 5-10mins,
I can put you at __, any reason you
might not be home?
Now real quick, while I got you on the
phone, do you have any major medical conditions I need to be aware of
now?
Any heart attacks, strokes, cancers, diabetes anything
like that?
(got it, how long you’ve had that? __, okay, did
that take you off work?)
Once again, my name is __, I will
be the representative coming out to see you on __ at __.
Okay
thanks.
Bye.
Hi my name is Armee, Im calling from the American Senior Benefit Center here in (city). I am getting back with you in regards to the call you received a couple of days ago for the new final expense insurance program that has been recently approved by the state of CA wherein it covers 100% of your funeral/burial expenses and to help take the burden off the family and can pay off the bills. And just to authenticate the call your favorite color is?
Let me just confirm what you have provided us: AGE , Status, and Address
Now local field underwriter assigned to your request is Andrew Taylor, he will drop off the information to you to see which programs you qualify for. Now, since this is a state approved program there is no physical exam required that is why all it takes is about 10 to 15mins of your time.
He is dispatched in your area on (Day)( then and set the time.)
Kindly get a pen and a paper handy to write down the details of the appointment. First the name of the underwriter that will come by is Andrew Taylor, before hand you can ask for his State ID that he is the rep you 'll be meeting with and no one else, okay. And make sure you have your IDs out as well for verification.
To recap, our appointment will be on (DATE) and kindly wait for him between (1 hour window).
Thank you and you have a great day!
Hello Frank, my name is Andrew I'm giving you a call back from the mortgage protection office regarding the loan you got with (bank). The reason I'm calling is you had filled out a request in the mail to get some information on paying off your home in the event of a death or a disability. You put hear that your birthday is 7/6/1950, is that correct? Great once again my name is Andrew and I'm the field underwriter assigned to get you the information. My job is to verify your health and see which programs you qualify for. The purpose of my call is to see what times you are usually home so I can find a day to put you in my schedule.
It looks like I will be right down the street on Tuesday and I can put you down for six or eight which one of those would work best for you?
Great I look forward to seeing you on Tuesday at six and do you have any big gates or big dogs in the front yard that I need to worry about?
All right well I look forward to meeting you on Tuesday at 6 o'clock have a great day.
What the Lead Looks Like

Tips and Strategies
Final Expense by Tray
FINAL EXPENSE LEAD SCRIPT
Hello Frank my name is Andrew and I'm calling you back from the senior benefit center right here in Victorville California. The reason I'm calling is because you had filled out a request in the mail to get some information on a state regulated insurance program to pay for your final expenses.
You put down here that your birthday is July 6, 1950 and your wife's is July 8 1952 is that correct?
My job as the field underwriter is to verify your health and see what programs you qualify for. The purpose of the call is to find a time that you're usually home so I can find a day to put you in my schedule. Are you both normally home in the morning's, afternoons or evenings?
Perfect, it looks like I will be right down the street Tuesday evening would it be better at six or eight?
OK I have you down at 8 on Tuesday and the address I have is 12345 Anywhere St.
Are there any locked gates or big dogs I need to worry about when I get there?
I look forward to meeting you Tuesday at 8 o'clock and I'll see you then.
What the Lead Looks Like

Tips and Strategies
Final Expense by Tray
Intro to calling an old lead
Hello frank, my name is Andrew and I'm giving you a call back from the mortgage protection department regarding the loan you got with (Bank). I am the supervisor and did a recent audit about a request you had made for mortgage protection after you closed your loan. The reason I'm calling is because our records show that no one got you the information on paying off your home if you were to die or get disabled. Do you recall anyone giving you that information?
Their answer: yes, someone got us that information.
Your response: perfect I'm going to go ahead and get you the updated information on the new 2016 plans that are priced a lot better. It says here you birthdate is ( )?
Their answer: no one did
Your response: I apologize we have been overwhelmed, it says here your birthday is ( ) ?
From this point you continue the normal script.
THE OBJECTION HANDLING WORKBOOK
The purpose of dialing— is simply to book an appointment. Practice, drill and rehearse the
rebuttals below until you can respond to all objections with out thinking and with a smooth
transition.
Now having these rebuttals down is important; however not as important as to understanding
why you are saying what you are saying and understanding who you are in this client/agent
relationship.
The goal is not to build a friendship, or cover information, but to posture and position yourself
as the professional that has something that they want— protection and peace of mind for their
family. You are doing them a favor. You have to first get in the state of mind that they are the
patient and you are the doctor. You are not trying to sell anything, simply there to help them
with what THEY are asking for. You want to see the so called, “objections”, they are giving you,
more as they just need clarification. You are convinced they need it, as who sends in a request
for protection and doesn’t need it, so when they ask something, they are simply seeking
clarification on the process to get to their desired goal— protection for their family. You are in
control as they have filled out a request and raised their hand desiring and needing the service
you are providing. As you will see in reading these rebuttals you are always answering a
question with a question. Whoever asks the most questions wins and because they are in need
of your service, it only makes sense for you to stay in control and provide the structure of the
conversation with questions. You will notice that the Key question to ask is the closing
question— “what time is better ______, or ______.” This is also a yes/yes question, which are
the only questions you want to ask, outside rhetorical questions.
Key words to point out:
- Perfect- this word is used as a relating word. What ever they say its perfect, you are meeting them where they are and then through the rebuttal going to guide them back to booking the appointment.
- Listen- this word is used to say lean in what I am going to say is important and I am important, because you need protection for your family and I am trying to help you
- I don’t have a lot of time
- I can put you down between appointments
- I will have 15 appts tomorrow, so I only ask that….
- I am a field underwriter not a sales rep
- I have to verify that you are alive and breathing
- I know how important this is to you
Actions steps to get better with objections
- Massive Activity— the more you get them the better you will get
- Make sure you mind is right, remember you are the doctor they are the patient— read affirmations aloud, declaring you are the professional etc.
- Practice, drill, rehearse
I got to go, call me back later
- Perfect, listen _______, I am living the office myself and don’t have time now. The purpose of the call was to set up a time to get back to you. What time are you typically back in the door from work? Ok I don’t have that time, but will put you down at _______. The only thing I ask due to the amount of appointments I have scheduled, is to give me a window between ______ and ______ , is that fair enough? Ok perfect ill be out there at that time to drop off the information you want and I look forward to meeting you and helping you then… have a great night.
I already got it taken care of/ I am already meeting with another agent this week.
- Perfect, now _______ most families send back multiple request, to look at different options, compare and make sure they have the best plan for their family. Is it fair to assume you did the same thing? Ok, perfect, what ill do is get the information and options out to you that you haven’t received, so you can do what you originally wanted and compare… now we are running behind, so I wont have a lot of time. I’ll have about 5 minutes and can put you down between appointments either at ______, or _______ what time is better? Ok and because of our schedule, ill have about 15 appts that day, can you give me a window between ______ and ______. Perfect and _______ the only thing I ask and expect because of our schedule is that you definitely make sure to be there… is that fair enough. Perfect I look forward to meeting you and helping you.
Can you tell me how much it is going to cost? ( The Quote Objection) and Can you send it to me in the mail?
- Great question, now ______ these plans are non medical, which means you don’t have to give your blood, or pee in a cup. As a filed underwriter they just want me to verify you are alive and breathing and get the information out to you. Now we are running behind, so I wont have a lot of time, but can get you in either at ______, or _______ what time is better.
I don’t have time this week, can you call me back next week (The Scheduling Objection)
- Perfect, I definitely understand being busy _____ the next couple of weeks they have me managing several different counties as were behind. Listen I know how important this is to YOU and YOUR family, so ill put down some notes to best accommodate. What time are you typically in the door from work? And your spouse? Ok what ill do is this, my schedule is booked the only two days I’m out there in that area, so I cant promise anything, but I know how important this is to you, so ill go ahead and see if I can reschedule my ______ with an earlier time and get you in then. If I can’t do that I will let you know and the only thing I ask as I’m trying to get you in, is to give me a window between _______ and ______, is that ok?
I have gotten multiple calls about the mortgage protection
- Yes most families do as its typical to fill out a couple of request to shop and compare and make sure you got the best plan for your family. Now listen ______ , I am a field underwriter not a sales rep, so we use over 10 carriers to best help each client and ill have about 15 appts tomorrow but can fit you in between appointments to get off the information dropped off to you either at ______, or _______ what time is better?
I have gotten multiple calls about the mortgage protection
- Yes most families do as its typical to fill out a couple of request to shop and compare and make sure you got the best plan for your family. Now listen ______ , I am a field underwriter not a sales rep, so we use over 10 carriers to best help each client and ill have about 15 appts tomorrow but can fit you in between appointments to get off the information dropped off to you either at ______, or _______ what time is better?
Objections specific to dealing with older leads
I don’t remember filling this out.
- I understand, to refresh your memory you put down your DOB is _______ and your address is _______ and your loan amount is _______, is that correct? Perfect most families that send back the request like you did, want to ensure when they die that there is no financial hardship and they don’t struggle with the house, does that sound like something that would have been important to you as well? Perfect my job is to get that information out to you that you originally requested as it shows you haven’t received it. I will have 5 minutes to get this out to you between appointments at either _____, or _______ which time is better?
I’m no longer interested
- Ok, and I know this was originally important to you like it is every family that sends back the request. Are you no longer interested because you don’t believe you can afford it, or you don’t think you will qualify?
I can’t afford it
- Ok, I am a filed underwriter, not a sales person, so what I will do is look at the carriers and options that will fit your budget, now listen we are behind, so I wont have a lot of time, but I can fit you in between appointments at either _____ , or _____ to drop this off for you, what time is better?
I don’t think I can qualify
- Ok, I am a field underwriter, not a sales person, so what i will do is look at the options you can qualify for. Now I know this is important to you, but I won’t have a lot of time as we are running behind. I can put you down between appointments at either ______, or ______ what time is better?
No, I am just not interested, take me off the list
- ok I am not interested either. Listen I’m not a sales person I’m simply a field underwriter and my job is to get the information out to you to release us of liability, what you do with that is up to you. Now, I won’t have a lot of time as we are running behind but I can stop by between appointments to have you sign off that you are not interested either at ________, or ______ what time is better?
We already got it taken care of
- Perfect I will update our system that we have already helped you. Now it shows that you haven’t got your courtesy annual review completed. What I can do as a field underwriter Is review the benefits of the policy we helped you with and see if there is any cost of insurance changes to see if we can get your premium lowered. I wont I have a lot of time, but can do a quick review between appointments at either _____, or _____ what time is better?
Tips and Strategies
Objection Handling Audio by Paul McClain
Objection Handling Video by Matt Smith
Customer Survey
Discount Card
