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Jan 25, 2012 10:05 pm

Intro --

19yo Financial Advisor with a goal of 5 lives and $2500 annualized commission before becoming a career agent with Mass Mutual. How would you start in this business COLD? Where do you get your numbers/leads? I have no problem spending 10 hours on the phone everyday, day in and day out, but don't know where to get numbers. I have a solid basic script for long term benefits and 401k, how can I adapt it to life insurance? Can anyone give a helping hand to a newbie in the industry?


Jan 26, 2012 2:40 am, usually available from your library website.  Been using a lot of also, they seem to have more updated information.  MM is a solid company and you should believe in their products.  Have conviction and sell your tail off.

Jan 26, 2012 2:57 am

thanks for the tip. could you provide more insight as to what you mean by "library website"? both of those services look to be costly. also, my firm enforces a "4 new client meetings" a week policy after becoming a career agent. am I too green-thumb or is that a little excessive for beginners?

Jan 26, 2012 3:40 pm

nevermind, got access to RUSA. what about the do not call list?

Jan 26, 2012 8:54 pm  / like $40 a month or s...

day names / home numbers scrubbed for dnc  ( if you like)

Really a nice program

New Babies list/ New movers/   good lists for insurance / retirement planning it seems...


p.s. join for a month

Download your names 10,000 or so / and cancel  ...

GrowSavings ' Cause isn't that what we're in this for?

Jan 27, 2012 2:12 pm

I have a library card in my local library, Lee County Florida.  They have a business link where you can access tons of business journals and reference lists of all sorts and demographics.  ReferenceUSA is a free resource through my library website, and you can download and export all info into an excel spreadsheet.

Google search for your library and fool around on their website to see if yours is similar.  

Jan 27, 2012 2:37 pm

Thanks for the tip, I have been building a list of scrubbed numbers that are associated with households who have an income of $250k+. The 50 person limit is annoying, but I'm getting it done.

Jan 27, 2012 6:30 pm

Pop on the 40 bucks and use  ... It will take you less than 5 minutes to download any list you want.  With that extra time you can focus on what really makes money.  Contacting people. 

The real question is for people that want to "build your own list"  is your time worth more than $40 per hour?  Mine is... so I outsorce the task.  It's a no brainer.

Jan 27, 2012 7:03 pm

thanks element, I will look into that. once we have the numbers, what do we call and say? how often can I expect an appointment?

Nov 20, 2012 8:04 am

Now many people can say that Life Insurance is like gambling. You are betting that you will die in a specific time and the insurance company bets you won’t. If the insurer wins, they keep the premiums, if you win…well you die and the death benefit goes to the beneficiary. This is a very morbid way of looking at it and if that is the case you can say the same for health insurance, auto insurance, and rental insurance. The truth is, you need life insurance in order to ease the burden of your death.
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