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Use Discretion When Considering American Income Life Jobs Minnesota

By Melissa Davis


Unemployed individuals are often vulnerable to job leads that are presented as little more than a sales clip. In fact, on any job board, 99% of the communications a job hunter will receive are from companies attempting to make sales jobs appear to be stable. Companies advertising this way, such as American Income Life jobs Minnesota, make great promises, but the reality does not always match up.

AIL has an excellent assortment of insurance products for sale, and a lead base consisting largely of dues paying union members. They have a completely scripted sales pitch that new agents must learn, then learn to make it sound like it is not a script. The concept works very well for most new agents within a few weeks, and in no time they are running the roads on their own.

The primary insurance product they have available is supplemental medical insurance. These plans are very low-cost with great reward to their insureds. They are most popular with families and upper-middle-aged people since it will cover all the expenses that a primary carrier does not pay for, thus granting the insureds much more extensive coverage for all medical issues they encounter.

Unfortunately, many leads that agents must call through each week are retired union members with preexisting conditions. Supplemental plans are given much more freedom than primary insurance when it comes to excluding possible insureds for their diabetes or chronic lupus. As such, many new agents will run into a brick wall again and again in the early weeks, as each policy they believe they sold did not due to coverage denial.

That is a major stumbling block that agents will trip on. What may surprise them is that their bosses will encourage them to make the appointments anyway, even if they are 95% certain their appointment will not qualify. They push this seeming wasted effort to help provide new recruits with practice, and also to make an effort to sell the otherwise un-coverable individual with a completely different product.

Many companies might pay a stipend or small hourly wage in addition to the commission checks. AIL is not that company, and new agents do feel the burn in their wallets sometimes. In order to be successful in this venture, it is necessary for a budding agent to have some money of his or her own to get started until they have the knowledge and experience in be making mad sales.

As soon as agents begin selling consistently, their income can become an exponential shower of wealth they never imagined. AIL pays much higher commissions to their agents than anyone else, and each agent continues to receive commissions on policy premium payments as well as renewals each and every time the client pays for their insurance. As the months go by, the commissions come together and create wealth enough to make you feel like a boss.

Every product sold by an agent is a candle in their growing sun. Savvy agents revisit old clients at least once a year in order to touch base, offer coverage increases, and sometimes even sell additional products. Old clients have usually already gone through the health qualification check, so they are the easiest customers to sell.




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