The insurance industry has been lying to you — telling you that if you can't sell the "right" amount of life insurance, don't sell anything at all. Meanwhile, families are left with $8,000 in savings and a GoFundMe page.

In this episode, I'm breaking down why "something is better than nothing" isn't just a feel-good phrase — it's backed by the numbers. I'll show you why all-or-nothing thinking is killing your life insurance production, how small policies actually lead to bigger ones, and why your customers' reality doesn't match the way most agencies approach life insurance.

If you're a P&C agent or agency owner struggling to cross-sell life insurance, this one will change how you think about every customer interaction.

What you'll learn: → Why partial protection is still protection → The real reason small policies lapse (it's not the size) → How to make life insurance fit the conversation your customer is already having → The "coffee vs. five-course dinner" mistake most agents make → How $25/month policies turn into $200/month programs

Want to learn the exact scripts and frameworks? Cross Sell Academy enrollment is open now.

Learn about Cross Sell Academy for your team: https://calendly.com/lifeinsurancetraining/demo

Join my free live training on how to handle the most common life insurance objections when cross selling life insurance: https://insurancesalespro.org/webinarregistration

✅ Subscribe to Colter’s FREE insurance sales trainings:

Youtube:

https://www.youtube.com/channel/UC-35rEOirer-rBo62SAokaw

Apple Podcasts:

https://podcasts.apple.com/us/podcast/the-life-insurance-training-show/id1675925320

Spotify:

⁠https://open.spotify.com/show/0EYYJYvouM22DfuAcYjhiK?si=m8gTTwvFReGfSIGQ7yZHcQ⁠

Private Facebook Group:

https://www.facebook.com/share/g/sSe3faCfV6KLVJh4/

In this episode, I break down why "just ask more" is the worst advice you can give your team when it comes to selling life insurance in a P&C agency — and what to do instead. I unpack why asking without strategy kills confidence, creates early objections, and turns your producers into people who eventually stop asking altogether. Then I walk through the three things that actually move the needle: positioning life insurance around what it does for the customer (not what it is), nailing your timing so it doesn't feel like a bait and switch, and solving one immediate need instead of trying to serve a five-course dinner to someone who came in for a coffee. If you're an agent and tired of being the only one in your agency able to sell life insurance, this one's for you.

Join my free live training on how to handle the most common life insurance objections when cross selling life insurance: https://insurancesalespro.org/webinarregistration

Learn about Cross Sell Academy for your team: https://calendly.com/lifeinsurancetraining/demo

✅ Subscribe to Colter’s FREE insurance sales trainings:

Youtube:

https://www.youtube.com/channel/UC-35rEOirer-rBo62SAokaw

Apple Podcasts:

https://podcasts.apple.com/us/podcast/the-life-insurance-training-show/id1675925320

Spotify:

⁠https://open.spotify.com/show/0EYYJYvouM22DfuAcYjhiK?si=m8gTTwvFReGfSIGQ7yZHcQ⁠

Private Facebook Group:

https://www.facebook.com/share/g/sSe3faCfV6KLVJh4/

Your auto renewals aren't just policy updates—they're your most predictable life insurance opportunity. In this episode, I break down the exact framework I used to turn routine renewal calls into consistent life insurance sales.

Here's what you'll learn: why auto renewals create the perfect moment to introduce life insurance (hint: it's all about relevance and earning the right to the conversation), how to position coverage as a natural extension of what customers already have, and the two simple approaches that make saying "yes" easy—paying off a vehicle loan or leaving money behind for family.

I walk through the complete call flow from opening to close, including the exact words to use so the conversation feels like service instead of a sales pitch. Plus, I share why starting small with one immediate need beats the "shotgun approach" that triggers resistance and kills deals before they start.

If you're tired of inconsistent life insurance production and want a repeatable system you can hand to your team today, this one's for you.

Learn about Cross Sell Academy for your team: https://calendly.com/lifeinsurancetraining/demo

Join my free live training on how to handle the most common life insurance objections when cross selling life insurance: https://insurancesalespro.org/webinarregistration

✅ Subscribe to Colter’s FREE insurance sales trainings:

Youtube:

https://www.youtube.com/channel/UC-35rEOirer-rBo62SAokaw

Apple Podcasts:

⁠https://podcasts.apple.com/us/podcast/the-team-member-perspective/id1675925320⁠

Spotify:

⁠https://open.spotify.com/show/0EYYJYvouM22DfuAcYjhiK?si=m8gTTwvFReGfSIGQ7yZHcQ⁠

Private Facebook Group:
https://www.facebook.com/share/g/sSe3faCfV6KLVJh4/