All isn’t lost, however, as there are ways to tackle the cold market. One of these ways is to pre-qualify leads based on the person’s actual need for insurance , and if he or she has the money to pay for it. You don’t need to pay for your leads – there are actually a lot of ways that you can gather free health care insurance leads and turn them into paying customers.

<h3>Tip No. 1: Ask your friends and relatives for referrals.</h3>

Family and friends are very good sources of great leads, and when we say great leads, we mean that they are individuals who will most likely trust you by virtue of your association with the individuals they know. So, if you have an influential best friend, as ask him or her to refer you to some people. Then you can be well on your way to raising your sales.

<h3>Tip No. 2: Sign Up with free insurance leads websites.</h3>

Believe it or not, there are actually websites who are actually looking for sales agents to close pre-qualified leads for them. They give out these leads for free. In most cases, you’ll only have to sell new products to their old clients, although your actual experience with these sites might be different.

<h3>Tip No. 3: Research on your prospects.</h3>

When you already have your leads, research on them (especially the leads that came from family and friends). Not all prospects are created alike – there are some individuals who need your product but cannot afford it, and there individuals who can afford your product but don’t need it. And then there are individuals who need your product and can afford it, but they don’t know about your product, at least not yet. Take the time to find those prospects who only need to know about your product. You’ll make your job easier that way, because you’ll only need to convince your prospect on how good your product is.

<h3>Tip No. 4: Appeal to your prospect’s emotions.</h3>

The most effective and successful salespersons will tell you that appealing to your prospect’s emotions is a lot more effective in convincing that prospect to obtain your product MUCH MORE than any rational explanation would. In fact, most individuals rationalize their obtain AFTER the fact of buying. Appeal to your prospect’s emotions of love , fear, and pride. These are all very powerful emotions. And you need to market your products in such a way that your prospects become emotionally involved in the whole process.

(There’s|There is) a lot of wisdom in following the tips mentioned above. In the  American, insurance consultants actually earn more than the average American family. In 2006, the average insurance consultant earned $58,450 while the average family earned just $48,201. Nonetheless, it is a fact too that a lot of insurance consultants quit soon after engaging the cold insurance leads. But it really doesn’t have to be that way. Just follow the tips above and you’ll make selling insurance a lot easier.

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