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/

Most producers freeze when they hear "I have it through work" or "I can't afford it."

In this episode, I'm breaking down the exact scripts and framework I used to handle the 7 most common life insurance objections in P&C agencies, and why the best producers don't handle objections at all. They prevent them.

What you'll learn:

• The 4-step framework (Acknowledge, Clarify, Solve, Advance) that works for any objection

• Why "overcome" is the wrong word, and what to say instead

• The difference between early objections (obstacles) and late objections (true objections)

• Word-for-word scripts for: "I have it through work," "I don't need it," "I can't afford it," "I just want the car insurance," "I need to talk to my spouse," and "I need to think about it"

• The questions that seed doubt and create demand without being pushy

• Why I stopped saying "life insurance" and what I say instead

This isn't theory. These are the exact scripts that took me from 10 life policies a year to 251.

Register for Free Live Training: https://insurancesalespro.org/webinarregistration

Book Time with Colter: 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-team-member-perspective/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 the EXACT system that took me from $35K to $100K to $151K in life insurance premium. Issuance reviews. Most agents write a policy and move on to the next thing — and they're leaving SO much on the table. Here's the deal: if they told you yes once, they will tell you yes again. This system gives you another at-bat with every single life insurance customer, it increases your odds of writing more premium, AND it generates referrals without you having to beg for them. I'm walking you through everything — how to pre-sell the review at the initial close, how to actually SELL in the review (not just make an offer), and the simple 3-step referral process that made asking for referrals automatic for me. If you want to double or even triple your life insurance premium in 2025, this is the play. Let's get into it.

We have a free training THIS THURSDAY 01/22 on selling more Life Insurance - Here's the link to join us: http://insurancesalespro.org/webinarregistration

Questions about enrolling your team in our Friday Live Training & Wednesday Live Role Play Calls? Click Here: https://insurancesalespro.org/bookcall-page

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-producers-perspective/id1675925320
Spotify: ⁠https://open.spotify.com/show/0EYYJYvouM22DfuAcYjhiK

In this episode, we break down why you're sitting on a gold mine and leaving 60-70% of your revenue on the table. Every quote you run is a life insurance opportunity, but most P&C agents bolt it on at the end after the customer's mentally checked out. Then they wonder why they get "I have it through work" or "not right now."

Here's what changes everything: Layer life insurance into the quote as complementary coverage, not an afterthought. When you position it naturally during the process instead of after, you eliminate resistance before it starts, make your book stickier, and finally stop letting carriers own your customers.

I walk through the exact timing and language that turns every new household into a bundled account. If you're only closing auto and home, you're building half a business.

Questions about enrolling your team in our Friday Live Training & Wednesday Live Role Play Calls?

Click Here: https://insurancesalespro.org/bookcall-page

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-producers-perspective/id1675925320

Spotify: ⁠https://open.spotify.com/show/0EYYJYvouM22DfuAcYjhiK

FREE SCRIPT: https://insurancesalespro.org/opt-in-occc

Download the One Call Coverage Close Script FREE: https://insurancesalespro.org/opt-in-occc

Want me to help your producers implement this? I will train, role play with, and hold your producers accountable: https://insurancesalespro.org/bookcall

This week, we're breaking down the classic “I have life insurance through work” objection and giving you the exact questions and language to move the conversation forward without feeling pushy.

You’ll learn why customers default to this objection, how to use the AVA framework, and how to prevent the objection altogether by shifting the way you position life insurance from the start. This episode is perfect for any agent or team member who wants smoother conversations and more closed life apps.

✅ Questions about enrolling your team in our Friday Live Training & Wednesday Live Role Play Calls? Click Here: https://insurancesalespro.org/lifeproducers

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✅ 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/