Anyone Can Get Annuity Leads if You Know How to Use "Crash Marketing"

Crash Marketing can provide a solution to the never ending need for leads. Leads are our lifeblood and we need all the leads we can get, right? I am an annuity salesman and I always need leads. Here is what I did.

I invented "Crash Marketing" out of my own personal need to find people to tell my story to. I needed leads and I needed to make sales.

What is Crash Marketing? How does it work? How can you use it to grow and balance out your personal business?

Crash Marketing is about numbers and it is about having too many people to see on a regular basis. It is about being overwhelmed with leads. It is about reducing stress in your annuity business and being able to focus attention to what really counts, seeing people.

Crash Marketing is about getting control of your business by eliminating the biggest problem of all…. "Who am I going to see today?" "Who am I going to sell an annuity to today?"

Crash Marketing is about using numbers to eliminate problems and it really works. I used Crash Marketing to save my business and to make my business grow. Here is how it works.



• Decide what your target market is. For the sake of this article let's say it is seniors over age 65 and retired.

• Make a decision what amount of income you wish to generate form annuity sales. This might seem silly but it is vitally important to decide this. For this example why don't we select $250,000 a year to start.

• Next decide on a marketing budget based on the income goal. This budget needs to be completed once you understand the formula shown below.



The formula: Use a common direct mail piece that has a specific hook for your target market. The hook could be:



• Reduce your taxes on social security or

• Learn the secrets of LTC insurance or

• How to avoid probate or

• It really makes no difference as long as it is specifically hooked to a target subject.


Next obtain from the mailing company the estimated return percentage. For this example we will use 3% but the percentage is not really important.

Now we need to introduce averages and for this example we will use these numbers:



• For each 10 leads we will make 5 appointments

• For each 10 appointments we will develop 3 fact finders

• For every 3 fact finders we will make 1 sale.

• Each sale will average $55,000 in annuity premium.

• The average commission will be 7%.

Now we do the math…1000 mailers will generate 30 leads, 30 leads will generate 15 appointments, 15 appointments will generate 9 fact finders, 9 fact finders will generate 3 sales, 3 sales will generate $165,000 of premium, and at 7% this will provide a gross commission of $11,550. Seems too good to be true, doesn't it? So now we will cut the numbers even more.

Let's take a huge reduction to our formula and reduce everything by 2/3%. Just to make it interesting.
Now 1,000 mailers only gets 10 leads, 10 leads generates 3 appointments, 3 appointments generate 1 fact finder, 1 finders generate 1 sale. (rounded out) 1 sale is $55,000 and commission is $3,800.
Now just for fun let's cut that in ½. This means that we will generate $1925 for every 1,000 mailers. I know you are thinking this is the new math, but I want to paint a terrible picture of sales results to show you the power of Crash Marketing.

Since one of the secrets of Crash Marketing is only focusing on one tiny little segment of our business, selling annuities, you must outsource all else. You must hire a telemarketer to make your appointments and this person also manages your call back database and your drip marketing.
If you outsource things that you are either poor at or that do not generate annuity premium then you will be set free to focus and that focus will allow you to be totally in the "game."

Now to the budget, we need to mail $1,000 mailers to generate our (poor) results of only $1,925 of commission. But wait a minute, for each $400 of mailers I order, I will make $2,000. (rounded). Look at that! Those are terrific results and one any company in America would want. Solid, predictable and reliable.

Now what if the numbers are just a little better than the ones we paired down? Ask these questions!



• What if you are a better salesman because you are overwhelmed with leads?

• What if you have less stress because someone is setting your appointments for you?

• What happens if you can only focus on the things that make you money?

Now the secret of "Crash Marketing!"

By using your goal of $250,000 annual income which would require a total lead mailer order cost of $400 for each $2,000 of earned and estimated income do this….Triple your order for the first 3 months! Totally bury yourself in leads, order way too many leads, have so many leads you cannot work them all. Leads left over each month make certain you do this…..THROW THEM AWAY!!!!

If you have the courage to throw away leads you will be set free. It really works and it will allow you to focus on only one thing, seeing people and selling annuities.

I know you think I am crazy but it is the only way, throw away leads and you will be more successful. Plus I know a few other secrets about Crash Marketing.

I know that your sales results will be better than we have illustrated because those who have done this have experienced great results but it takes three months!!!!

Next I know that using a drip system to keep in touch will result in one additional sale for every 10 people in the drip which will add to your results.

Agents who have used this philosophy have more than tripled their income, reduced stress and have become huge producers.

Try it just like I described and it will work, triple your mailings for 90 days, throw away all leads left over and leads that are 30 days old, outsource your appointment making, outsource your drip system.

Then there is this and it is important. If you have open schedules because of appointment setting issues or it is a time your telemarketer could not fill you do not work. No appointments, no work. Stay home and work in the garden, go to the movies, relax.

Throw away appointments and only focus on selling and nothing else and enjoy the Secret of Crash Marketing!

Long Term Care Insurance - Why Medicaid Can't Take Its Place

Some people may argue that long term care insurance isn't necessary in the belief that the government pays for it through medicaid. Nothing could be farther from the truth. Here's why...

What is Medicaid? This is a nationwide health care program. However, it is operated and administered by the states. "Each state decides who is eligible; the amount, duration, and scope of services covered; rates of payment for providers; and methods of administering the program". It is usually for low-income earners. But it must be said here that this is not the case in every state.

Medicaid requires that you meet your state poverty level before you are entitled to it. You'll pay for long term care if you need it unless you're below your state's poverty level. You'll keep paying out of your own pocket until you get to that level. Then and only then does Medicaid kick in.

To give you an idea of how devastated you'd have to be to "benefit" from Medicaid, look at the only things you can own and still be entitled to Medicaid...

1) Your home


2) One car. You can't keep a second car


3) Household goods


4) Business Property & Real Estate


5) Term Life Insurance


6) Mortuary Trust & Burial Plot (up to $1500)

This may seem good enough for some people. However, I must add that you may still end up losing your home and estate when you pass on. Through "estate recovery" the state could claim your assets to recoup what they spent on your long term care. Believe me, things do go awry for some folks.

Furthermore, you really have little or no choice in which facility you end up in. Remember, you're on welfare. You can spare yourself all such pains by doing the wise thing -- Get a long term care insurance policy.

You can get lower long term care insurance quotes by obtaining quotes from at least three insurance quotes sites. It's free, quick and easy.

Term Life Insurance - Renewable Term Life Explained

Another type of life insurance that I want to explain to you is called Term life insurance. Term life insurance is the least expensive life-insurance coverage that there is. This type of life insurance has become much more popular recently because of the lower premiums. There is no cash value build up with Term life insurance. This is known as pure insurance only, meaning that 100% of what you pay is going toward the purchase of life insurance coverage for you.

There are a few different types of Term life insurance that are available. Those are Non-Renewable Term, Renewable Term, Convertible Term, Re-Entry Term, Deposit Term, Level Term, Decreasing Term and Increasing Term. Each one of these is designed to provide coverage for you for a specific term or period of time. Term life insurance wasn't meant to be permanent coverage. However, if you're looking for something that you're going to be able to hold onto for several years I highly recommend that you look into Renewable Term policies. This is how Renewable Term works.

You can renew this type of policy at the end of the period without having to take another medical exam. Here is an example of how this works; Let's say that you have a 10 Year Term Renewable Term policy. You take your medical exam and passed with flying colors. Let's say that over the course of the next several years your health declines. In this case, it won't matter because of the policy that you have chosen. At the end of your 10 year term you'll be able to renew your policy again, regardless of your health. Renewable Term costs increases on a regular basis as you grow older, however, once you pass the initial medical exam you can carry this policy for as long as you need it, although you must maintain the premiums in full and on time.