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7 Ways To Grow

Your Insurance Business

During This Recession

Or Imminent Depression

By

Kenneth J. Varga

7 Ways To Grow Your Insurance Business
During This Recession

Copyright Notice

Copyright © by Kenneth J. Varga, 2012. All rights reserved.
Except as permitted under the United States Copyright Act of
1976, no part of this publication may be reproduced or
distributed in any form or by any means, or stored in a database
or retrieval system, without the prior written permission of the
publisher.

Disclaimer

The author, copyright holder, and publisher (hereinafter “we”)
have used their best efforts in preparing this report. Other than
the use of our best efforts, we make no representations or
warranties with respect to this report.

In particular, we make no representation or warranties with
respect to the accuracy or completeness of the contents of this
book. We specifically disclaim any implied warranties of
merchantability or fitness for a particular purpose. No
warranties may be created by implication. No oral or written
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shall create any warranties.

Copyright © 2012 by Kenneth J. Varga. All rights reserved.

USA $97. loss of profit or any other damages. This report is not intended for use as a source of legal.kenvarga. .7 Ways To Grow Your Insurance Business During This Recession We do not guarantee or warrant that the information and opinions stated in this book will produce any particular results. consequential or other damages. but not limited to. special.com/ins Copyright © 2012 by Kenneth J. All rights reserved. shall not be liable for any monetary loss. incidental. including. physical injury. But Worth A Whole Lot More For information about Group Purchase Pricing Call 888-682- 2596 To subscribe to Ken's Free Marketing Tip of the Week electronic newsletter go to www. property damage. and we caution readers that the advice and strategies contained in this book may not be suitable for every individual or business. Varga. accounting. Any such advice should be sought from competent professionals in such fields of knowledge. or professional advice. We. individually and collectively.

All rights reserved. Varga. Chapter 4 – Create A Policy-Explanation Letter That Will 35 Separate You From Your Competition Chapter 5 – Use These 13 Ways To Make Your Clients 46 Feel Good Chapter 6 – Identify The A. C Clients Of Your Practice 52 Chapter 7 – Contact Your Clients And Prospects At The 59 Best Times Copyright © 2012 by Kenneth J. B.7 Ways To Grow Your Insurance Business During This Recession Table of Contents Introduction 1 Chapter 1 – Achieve The Real Purpose of Your Business 4 Chapter 2 – Build Customer Loyalty With Thank-you 15 Letters Chapter 3 –Use Special Reports To Get Your Clients To 28 Do More Business With You. .

you must take new and better actions than the ones you’ve been taking.. Only YOU can make it better. your career. but there is no happiness without action. Otherwise. and Author. William James (1842-1910).. If You Just Keep On Doing What You’ve Been Doing. 1 . if you want your business. Only you can change your life. Action Is The Ultimate Key To All Success! That’s right.. Professor.. said. Then You’ll Just Keep On Getting What You’ve Been Getting. To put it another way. Your business or life won’t improve by itself.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Introduction: In Order To Change Your Business And Your Life. or your life to get better. You Must Be Willing To Take New And Better Actions. Action may not always bring happiness. The American Psychologist.

. Ken Varga “Your Dream Builder” 2 . increasing layoffs. you will lose serious business unless you adjust what you do to capture new business and keep your existing clients. and a looming depression. bank failures..7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression And with the current economic climate of record foreclosures. These are some of the most effective ideas I have used in building two of my agencies that were worth 9 figures each. please invest whatever time is necessary to implement the ideas in this book. faster and easier than you may have thought possible! To your wealth and success. So. my friend. Implement these to protect your money base and grow your income to new heights.

7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression “The man who dies without adequate life insurance should have to come back and see the mess he has created. American Humorist.” ~ Will Rogers ~ (1879-1935. Actor) 3 .

no matter what your ideal lifestyle may be. the main reason you probably got into the insurance profession. or even twenty years. ten. right? To put it another way. you can’t continue running your business the same way you’ve been for the last five. But. 4 .7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Chapter 1 How To Achieve The Real Purpose Of Your Insurance Business! Listen. you no doubt realize you’ll need a certain amount of money to be able to enjoy it fully. The great news for you is that your insurance business or career does have the ability to provide you the freedom to live the lifestyle of your dreams. either by choice or by circumstance. just like most agents. you wanted your insurance business or career to fund your ideal lifestyle. and this is a big “but”. to make the kind of money you want from your business or career. Let’s face it. is because you wanted to make more money to allow you and your family to live the lifestyle of your dreams.

by clearly defining your ideal lifestyle. it is worth reading again. even when you don’t feel like doing so. Let’s face it. Let me now share with you a story to illustrate the important point I’m trying to make. and keeping it in front of your eyes constantly. Since each one of us has a limited number of hours in a day. One day a wise teacher wanted to teach his students one of 5 . If you have heard this story before. Please don’t fall into this deadly trap. Look. like most agents. although there isn’t enough time for you to do everything you want to do. so you may put this book on the shelf and let it collect dust. One great way to motivate yourself to take action is to get excited about your goals. This is really the starting point.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression You are operating now in a different economic and business climate that requires some purposeful adjusting. it’s important for us to use our time as efficiently as we possibly can. You see. there’s always enough time for you to do the most important things in your life. you now have a compelling reason to put my ideas into action. it’s very easy for you to get caught up in your daily activities.

“Is the jar full?” And. when he couldn’t put any more sand into the jar. his students answered. So they took a few seconds to think about it before answering. ” The teacher then poured sand into the jar until it was filled to the top. 6 . he asked his students. Now the jar was finally full. it’s full. again.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression the most important lessons in life. “Yes. just like before. he asked his students. just like before. it’s full. So.” the students replied quickly. And once again. when all his students had gathered around him. the students were starting to catch on to what their teacher was doing. when he couldn’t fit any more pebbles into the jar. he took out a jar and started filling it with rocks of various shapes. “Is the jar full?” “Yes. When he couldn’t fit any more rocks into the jar. by this time. he asked his students. The teacher then put pebbles of various shapes into the jar to fill up the gaps between the rocks.” The teacher then poured water into the jar. it’s full. “Is the jar full?” Well. Again. “Yes.

7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression He then glanced at each one of his students and. after a few minutes asked. and each of them gave him a similar answer as the first student.” My friend. The important lesson I’m teaching you today is… If you don’t put the big rocks in the jar first. If these agents have a clear vision of 7 . they don’t have the time to do the important activities that would allow them to achieve their biggest goals – such as their ideal lifestyle.” shouted one student.” said the teacher. “Listen very carefully. “That’s true. you’ll never have room for them. because they usually focus most of their time doing unproductive activities. the teacher then said to all his students.” After the last student had answered. that one sentence. You see.” There’s always room for more. alone. explains why most agents never achieve their biggest goals.” The teacher then asked each student what important lesson he or she has learned. “but it isn’t the most important lesson I’m trying to teach you. There’s no doubt about it. “What important lesson have you learned from this exercise?” “There’s always room for more. also incorrectly.

they. at least 6 days a week. or what ultimate benefits they want their business or career to give them. to make cold calls. then they likely will do whatever is necessary to achieve their goal. and to put up with rejections? 8 . didn’t you? If so. say to themselves… “What Am I Doing All This For?” Does this question seem familiar to you? Have you ever asked yourself the same thing? If so.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression their ideal lifestyle in front of them all the time. because most agents haven’t taken the time to define what their ideal lifestyles are. in the early stages of your career. you probably had some specific and compelling goals that motivated you to work 12 to 14 hours a day. even when you didn’t feel like doing so. do you still remember what those goals were? Are they the same goals as the ones you have right now? Today. what drives you to keep on going? What motivates you to get out of bed every morning. Unfortunately. usually at the end of a long workday. whenever you face adversity in your business or career. to go on appointments. from time to time. did you come up with a good answer for it? Like most agents.

So. then. when you have a powerful enough “why. whenever I felt like giving up. eventually.” you’ll do whatever it takes to find out the “hows. 9 . and marketing materials I could get my hands on. I knew if I persisted long enough. deep within your heart. my business would become my greatest financial asset. sooner or later. to study all the prospecting. I would think about my ideal lifestyle. You see.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Isn’t this because you know. your insurance business or career would provide you the money to live the lifestyle of your dreams? Well.” This book gives you some important “hows. figuring out the best ways to take my business to the next level. this definitely was one of the main reasons I didn’t quit my insurance business in the early years of my career. It was this compelling goal that motivated me to stay up late at night. although I must have thought about it at least a thousand times. providing me the freedom to live the lifestyle of my dreams.” All you have to do is USE them. even after a 16-hour workday. sales. In 12 Months! Listen closely. One of the keys to achieving anything you want out of life is to have a compelling reason for achieving it. and how wonderful it would be to live it one day.

core. If I had unlimited money and time. If I had unlimited money and time. If I had unlimited money and time.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression And. true answers for you. I would buy these things… 3. I would become this type of person… After giving at least 5 answers to the above questions. If I had unlimited money and time. I would do these activities… 4. Use a separate piece of paper that you will keep. I would go to these places… 2. Here is how you do this… Give at least 5 answers to each of the following questions. to give you more motivation to get more out of your business or career. But give as many answers as possible. I would help these people (organizations)… 5. until you feel you have given deep. or put the answers in your goal book. it’s time to set your income goal for the next 12 months. 1. Use the following form to do this… 10 . If I had unlimited money and time. I recommend you first define your ideal lifestyle. Not answers that you “think” you should give. but answers that ring true in your entire being.

a captive agent. then record your goal here: Amount Date My present monthly income or salary is ___________________ My monthly income. twelve months from now __________ If you’re an agency manager. a CSR. twelve months from now __________ ———–————————–——– Signature ——————————————– Date 11 . record your agency’s goals here: Amount Date My present agency’s monthly income is ___________________ My monthly income. twelve months from now ______________ Number of clients I have right now _______________________ Number of clients I have. or a CSA.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Setting Your Income Goal For Twelve Months From Now If you’re an agency owner. a producer. twelve months from now ______________ Number of clients I have right now _______________________ Number of clients I have.

for 24 hours a day. whether or not you realize it. Well. 12 . It’ll give you the motivation to apply the ideas and secrets from this book in your business or career every week. the next step for you to do is to set up a schedule to apply the systems in your business or career. now that you have compelling reasons for putting this book into action. Now. your mind will help you find a way to turn your goal into reality. (See next page).7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression ------------------ By simply writing down your income goal. you’ve put your powerful subconscious mind to work for you. Use the following form to help you set up a schedule.

7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Making Your Commitment To Success I will read a chapter a week from this book. and do it on these days: Day Time Monday _____________________ Tuesday _____________________ Wednesday _____________________ Thursday _____________________ Friday _____________________ Saturday _____________________ Sunday _____________________ I will implement the action steps in my business or career on these days: Day Time Monday ____________________ Tuesday ____________________ Wednesday ___________________ Thursday ____________________ Friday ____________________ Saturday ____________________ Sunday ____________________ ———–—————————– Signature —————————————– Date 13 .

you will avoid falling into the same deadly trap that most agents have fallen into. With each action step you take – no matter how small it is – you’ll be one step closer to creating your ideal business – one that will allow you to live the lifestyle of your dreams. WILLIAM FAULKNER (1897-1962) American Novelist Income 12 Months! 14 . – Volume One The man who removes a mountain begins by carrying away small stones.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression By completing the above Commitment To Success form and sticking to it. The trap of not setting aside the time to do the important activities that really can impact your business.

This is a big mistake! How about you? Do you send a thank-you letter to each customer who buys a policy from you… right away? 15 . for the thank-you letters that you had received. didn’t you feel good toward the people or organizations that sent them to you? You bet! While many agents know the benefits of sending thank-you letters to their clients. only a small percentage of them actually do it.” am I right? And.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Chapter 2 How To Build Customer Loyalty With Thank-You Letters How many thank-you letters have you received from the organizations you’ve been doing business with? If you’re like most people. the answer is “very few.

if you don’t. You see. Just check out the following thank-you letter… _____________________ Linda. like the ones shown on the next few pages. and giving us the opportunity to help you protect your business.. But. Thank you very much for choosing us to take care of your business insurance needs. We appreciate your business very much. and your future. You’ll be amazed at the enormous impact your thank-you letters can have on your customers.. congratulations! You’re ahead of 97% of all agency principals and agents in the world. And so they’ll build a deeper bond with you.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression If you do. when reading a well-written thank-you letter. I suggest you do so immediately. 16 . CA 92109 Dear Linda. Thank You! [Date] Linda Dawson 7008 Seaworld Drive San Diego. your dreams. your customers will feel special and appreciated. your other valuable assets.

Buy. Once again. please call your Customer Satisfaction Representative.S. and she’ll be pleased to help you. if you have any questions about your policy. How to Get More Customers to Call. you’ve placed your trust in us… a trust we take very seriously. thanks for being our client. and Beg for More. Linda. to help you take your business to the next level. and by choosing to do business with us. So. 94000 17 .7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression We realize you have many insurance agencies to choose from. Inc. To show my personal appreciation for your trust and confidence in us. CA. I’m enclosing a special report. Julie Anderson. (Your name) “Your Dream Protector” P. – Specializing In Protecting Your Dreams – 123 Main Street. have a profitable day! ABC Insurance Agency. Linda. Warmest regards. I promise you we’ll do everything we possibly can to make sure your valuable assets are being protected properly at all times… and to provide you with outstanding and personal touch service. San Diego.

CLU.1234 Zoo Avenue. ChFC 18 . Fax: 619-555-5556 [Date] Linda Dawson 7008 Seaworld Drive San Diego. If there’s anything further I can do for you. I have enjoyed filling your needs for your life insurance. San Diego. please don’t hesitate to call on me. right? Here’s what a typical thank-you letter may look like… XYZ Insurance Services #103 . James Timm. 92345 Phone: 619-555-5555.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression As you can see. CA. CA 92109 Dear Policyholder: I would like to take this opportunity to thank you for choosing me to be your insurance agent. the thank-you letter on the previous page looks so much different from any thank-you letters you may have received from other people. Sincerely.

The name and address (and logo) of the agency is printed at the bottom of the letterhead. isn’t it? There’s no comparison. especially not your clients! 19 . In the letter on the previous page. the first thing Linda Dawson sees is the headline with her name in it.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Now. or the one on the previous page? The answer is obvious. they actually wrote. Dawson. “Dear Policyholder. which thank-you letter do you think will make Linda Dawson feel more special? The one above.” Who wants to be addressed as a “policyholder?” No one. in XYZ Insurance Services’ letter. They’re like night and day.” instead of “Dear Linda” or “Dear Ms. the first thing Linda sees is the name of the agency. the address. On the other hand.S. Can you believe what XYZ did? For the salutation. So she doesn’t get to see it until she finishes reading the P. and the phone number.

right? Also. “CLU. “Your Dream Protector” is shown under “Your Name”. whether or not you believe it. doesn’t it? In other words. then receiving a letter with your name in the headline would make you feel extremely special. your logo. business with? You probably haven’t. your address. whereas. I bet your letterhead probably looks similar to XYZ Agency’s letterhead. and your phone number at the top of the letterhead. using a title like “Your Dream Protector” is so much more powerful than “President” or 20 . ChFC” are shown under James Timm’s name. wouldn’t it? Absolutely! Have you ever received such a sincere and compelling thank- you letter from any of the organizations you’ve done. if you were Linda Dawson. if you’ve written thank-you letters before. in XYZ’s letter. the signature title. Listen. the titles. like ABC Agency’s letterhead. instead of at the bottom.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Anyway. or are presently doing. right? And. Another big difference between ABC Agency’s thank-you letter and XYZ Agency’s thank-you letter is that in ABC Agency’s thank-you letter. I bet your letters are also a lot different from the sample thank-you letter on page 124. it has your agency’s name.

Please understand this important fact. both new and existing. your prospects and clients don’t care one iota about them. ChFC. within 48 hours. 21 . Note the letters are almost identical. You’ll benefit enormously by following my suggestions… even though some of them may make you feel uncomfortable.” or an insurance designation like CLU. or CPCU. and strategies I’m sharing with you in this book. whenever a prospect buys a policy from you. Remember.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression “General Manager. send one to the new policyholder as well. Although you’re proud of your insurance designations (and you should be). On the next few pages are powerful sample thank-you letters you can send to your clients. except that different reports are offered to the client depending on the type of policy they hold. ________________________________ Send the following thank- you letter to your new commercial lines clients. Okay. Doing so will astonish them. creating a positive image of you and your business in their mind. techniques. I’ve invested several decades and millions of dollars to test all the ideas. Besides sending a thank-you letter to your existing clients.

your dreams. to help you take your business to the next level. and giving us the opportunity to help you protect your business. and your future.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Linda.. So. CA 92109 Dear Linda. your other valuable assets. I promise you we’ll do everything we possibly can to make sure your valuable assets are being protected properly at all times… and to provide you with outstanding and personal- touch service. To show my personal appreciation for your trust and confidence in us. We appreciate your business very much. Thank You! [Date] Linda Dawson 7008 Seaworld Drive San Diego. Buy.. How to Get More Customers to Call. Thank you very much for choosing us to take care of your business insurance needs. We realize you have many insurance agencies to choose from. I’m enclosing a special report. you’ve placed your trust in us… a trust we take very seriously. Please read it at your earliest convenience. and by choosing to do business with us. 22 . and Beg for More.

if you have any questions about your policy. Once again. have a profitable day! ___________________________________ 23 .7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Linda. thanks for being our client. Linda. please call your Customer Satisfaction Representative.S. at [Your Phone #]. Warmest regards. and she’ll be pleased to help you. (Your name) “Your Dream Protector” P. Julie Anderson.

CA 92222 Dear John. your dreams. and giving us the opportunity to help you protect your vehicle. So. We realize you have many insurance agencies to choose from. you’ve placed your trust in us… a trust we take very seriously.. and by choosing to do business with us. Thank you very much for choosing us to take care of your auto insurance needs. and your future.. We appreciate your business very much.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Send the following thank- you letter to your new auto clients. 24 . I promise you we’ll do everything we possibly can to make sure your valuable assets are being protected properly at all times… and to provide you with outstanding and personal touch service. Thank You! [Date] John Chang 268 Beach Avenue San Diego. your valuable assets. John.

CA 92039 25 . John.S. if you have any questions about your auto insurance policy. at [Your Phone #]... (Your name) “Your Dream Protector” P. please call your Customer Satisfaction Representative. John. and she’ll be pleased to help you. thanks for being our client. have a wonderful day! _______________________________ Send this thank-you letter to your existing life clients. Forty-Eight Ways You Can Save Money On Gas. Warmest regards.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression To show my personal appreciation for your trust and confidence in us. Please read it at your earliest convenience. Keith. Once again. Thank You! [Date] Keith Nicholas 264 La Jolla Village Drive La Jolla. Julie Anderson. I’m enclosing a special report.

To show my personal appreciation for your trust and confidence in us.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Dear Keith. and by choosing to do business with us. and your family’s dreams and future. and giving us the opportunity to help you protect yourself. thanks for being our client. We realize you have many insurance agencies to choose from. your valuable assets. I’m enclosing a special report. you’ve placed your trust in us… a trust we take very seriously. I promise you we’ll do everything we possibly can to make sure your valuable assets are being protected properly at all times… and to provide you with outstanding and personal touch service. (Your name) “Your Dream Protector” 26 . Keith. to help you get the energy you need to achieve your dreams. Once again. So. if you have any questions about your life insurance policy. We appreciate your business very much. How To Keep Fit And Feel Better. Thank you very much for choosing us to take care of your life insurance needs. Please read it at your earliest convenience. Warmest regards. please call me at [Your Phone #].

they’ll form a positive impression of you in their minds. no matter what line of insurance you are in. 27 .7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression P. so they’ll think of you when they need more protection and when their friends need a service such as yours. So. vehicles. when your clients read one of the sample thank-you letters. you’re really helping them protect their dreams (and future). businesses. and to send your prospects and clients helpful information on a regular basis. or investments. Keith. You can create similar letters.S. such as their homes. What Your Customers Buy When They Buy Insurance Is The Protection From An Unexpected Financial Loss! Because your customers’ financial assets are their dreams. regardless of the types of insurance they buy from you. The idea is to say thanks. have a wonderful day! ______________________________ After looking at these 3 letters. I am sure you get the idea. This is because they will consider you as their “Dream Protector“…someone who is helping them protect their dreams (and future). and not someone who has sold them an insurance policy.

you must help our clients protect their personal and financial assets with the right kind of insurance. If you don’t do this. If you did. This means. you remember that the letters offered free reports to the prospect or client. you must educate and let your clients know about the different kinds of policies you write – or the ones that you can get someone else to write – and then let them decide whether to buy from you or from your joint venture partners (or even from somebody else). you’ve already read the thank-you letters above. This is because you’re denying them the opportunity to 28 . then you’re doing a great disservice to your clients. if you are reading this chapter.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Chapter 3 Use Special Reports To Get Your Clients To Do More Business With You! Hopefully. One of the best ways to astonish your clients is to use special reports to show them how to benefit the most from their policies and also to improve other aspects of their lives. As Dream Protectors or Financial Doctors.

The titles are.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression get the best insurance protection for their families and their assets.. or a business policy. Here are 9 powerful suggested titles you can use to generate special insurance reports. You can write these reports yourself. or you can send an email to ken@kenvarga. a homeowner’s. disability. life. disability. life. For example. Chances are good that many of your auto policyholders also need or want a life. and business insurance.. or even all four.com with a request for information on how you can purchase PDF copies on CD. While they may have already bought some of these policies from other agents. homeowners. you must make sure they’re getting the proper coverage for their individual situation. Then. you must let them know you also sell the other four types of insurance – homeowners. You can use special reports to achieve this objective. 1. and business. for the clients who only buy an auto policy from you. a disability. copies that you can modify for your use. How To Protect Your Family’s Dreams And Future… And Make Sure You Don’t Lose Everything You Now Own Because Of An Unfortunate Event! 29 . have someone qualified write them for you. let’s say you sell auto.

2. 5. How To Make Sure Your Spouse And Children Don’t Have To Suffer Financial Hardships In Case You Die Prematurely! You use this special report to educate them about life insurance. 4. Or Theft Doesn’t Destroy Your Home And Your Family’s Dreams And Future! You use this special report to educate them about homeowners insurance. How To Make Sure An Unfortunate Event Like Fire.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression You use this report to educate your prospects or clients about the types of insurance protection available to them. How To Make Sure An Automobile Accident Doesn’t Destroy Your Family’s Dreams And Future! You use this special report to educate them about auto insurance. 30 . Earthquake. Flood. 3. How To Prevent Your Family From Having To Suffer Financial Hardships In Case You Suddenly Become Disabled And Can’t Work! You use this special report to educate them about disability insurance.

8. How To Make Sure An Accident Or Illness Doesn’t Bankrupt Your Family…And Force You To Suffer Financial Hardships For Life! You use this special report to educate them about health insurance. How To Make Sure An Unfortunate Event Like Fire. And Other Valuable Assets. Theft. Or Lawsuit Doesn’t Destroy Your Business… And Your Family’s Dreams And Future! You use this special report to educate them about business insurance. How To Make Sure Your Business Doesn’t Fail In Case Your Partner Or #1 Employee Dies Or Becomes Disabled! You use this special report to educate them about keyperson insurance.. 31 ..7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression 6. How To Make Sure An Accident Or Illness Doesn’t Force You To Sell Your Home. Just To Pay For Your Long-Term Care! You use this special report to educate them about long-term care insurance. Investments. 7. 9.

they’ll be compelled to meet with you to find out more about it or to buy a policy from you. 2. You Can Use These 67 Ways To Save Money! You can use this report.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Let me ask you this question. After your prospects or clients read the titles of these reports. In short. for your prospects.. wouldn’t they want to read each one to find out how they can protect their family’s dreams and future. you can use the reports to sell multiple policies to them. And.. you can use the reports to compel them to do business with you… quickly and effortlessly. for your existing single-policy clients. Here are some suggested titles to some non-insurance reports you can send to your clients to give even more value: 1. So after your prospects or clients read the report. for both your personal and commercial lines clients. right away? Absolutely! By offering an insurance special report like life or LTC. Fifty-Nine Ways To Reduce Your Housing Expenses! 32 . as well as the following reports. you’re positioning yourself as an expert in that area.

How To Eat Your Way To Better Health And Vitality! 12. How To Choose And Use Your Credit Cards Wisely! 6. these special reports are designed to show your clients how to improve various aspects of their lives. How to Buy A Used Car… Without Getting Ripped Off! 9.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression 3. How to Make Your Overseas Travel (Vacations) Safer! As you can see. 33 . Fifty-Nine Ways To Make Your Car Last Longer! 7. How To Prepare For A Natural Disaster Before It Strikes! 5. How to Get A Great Deal On Your Next New Car! 8. Forty-Eight Ways You Can Save Money On Gas! 10. How To Become More Successful And Have More Fun On Your Job! 14. How To Make Your Home Safer! et Double Your Income Within 12 Months! 4. How To Keep Fit And Feel Better! 11. Fifty Tips To Help You Sleep Better! 13.

they’ll also refer everyone they know to you 34 . instead of simply as an insurance agent. they’ll consider you as a friend and professional advisor. In return. in addition to doing business with you for years to come. because your clients are the lifeblood of your business.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression By offering your clients so much added value. you must go the extra mile to serve them like kings and queens. As I’ve already shared with you.

insurance policies are written in legalese – a language most or all of your clients usually don’t understand. Instead. misunderstandings could arise at a later date. And so. they don’t read them. Even some of the newer.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Chapter 4 Create A Policy-Explanation Letter That Will Separate You From The Competition As I’ve mentioned. one effective way to compel your current clients to do more business with you… is to make doing business with you fun and easy. “readable” policies are difficult for many people to understand. especially when they file for a claim. As you’re aware. they’re reluctant to ask you. What are some of these misunderstandings? 35 . This includes making your communication with your clients easy to understand. they rely on you to tell them – usually verbally – what their policies cover and don’t cover. Since your clients don’t understand their policies. But because some of your clients don’t want to look foolish by asking you to explain their policies to them.

your client will get the exact protection they need or want. in common language.” or “I thought I am covered for this amount on this item” then you can ask them.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Well. And so they may not be covered fully for certain assets. To prevent this situation from happening.” As you can see. by doing so. your clients may assume their policies would cover certain items… but in fact they don’t. Or there were exclusions that they don’t remember you telling them about. “I thought I had coverage for this item. “Would you like to get coverage for that item?” or “Would you like to increase the coverage on this item by $50. your special cover letter will explain to your client. 36 . preventing any misunderstandings from happening in the future. I can cover you for X number of dollars more in premium. It tells them what the policy covers and what it doesn’t. In short. if your client says to you. If you’ve been in the insurance business for a while.000? If so. then you probably have experienced this unfortunate situation a few times. all you have to do is to include a simple policy explanation letter with each policy that goes out of your agency. the main benefits of their policy. This way.

Exposure 3. use insurance company. use the other person.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression All right. 1. let’s talk about the eight insurance words you should avoid using right away. Carrier 2. use you. when you’re talking to prospects or clients. Liability coverage 8. This is because they’re insurance jargon and are meaningless to your prospects and clients. avoid using them at all cost. Line 7. before we examine the sample special cover letter. But. Third party 5. Here are the replacements for these eight insurance words… • Instead of carrier. instead of third party. 37 . Insured 6. • Instead of first party. And. No-fault Insurance It’s fine for you to use these eight insurance words when you’re speaking to your employees or co-workers. First party 4.

use your insurance company will pay for certain financial losses. • Instead of liability coverage. such as your lost wages and medical expenses. regardless of who caused the accident. (See next page. • Instead of no-fault insurance. client. use riskiness or the degree of risk. You can change it to suit your particular situation. use insurance that pays for the damages you do to somebody else or somebody else’s property. use type of insurance. Following is a sample policy-explanation letter for homeowners’ policies.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression • Instead of insured. • Instead of exposure. use customer.) ((Income 12 38 . or policyholder. • Instead of line.

here’s a summary of it… 39 . we appreciate the opportunity to help you protect your investment and your family’s financial security from fire. While I’ve already explained the main benefits of your policy to you. as well as personal liability. Thank you very much for choosing us to take care of your home insurance needs. Please review it at your earliest convenience.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression ________________ Leslie. Here’s Your New Homeowner’s Insurance Policy! [Date] Leslie Smith #25. 7246 Beach Avenue Del Mar. to make sure it absolutely gives you the proper protection you need or want. Since your home may be the single largest investment you’ve made. and other hazards. theft. CA 92100 Dear Leslie. Your insurance policy is enclosed.

please let me know. This protection is available to you for a small additional premium. 40 . If you’d like to add it to your policy. hurricane.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression 1. for damages resulting from: • Collapse of buildings Electrical damage to appliances • Explosion Earthquake • Falling objects Fire and lightning • Freeze damage Glass Breakage • Riot and civil disobedience Rupture of hot water system • Smoke Theft • Vandalism Water or stream damage • Weight of ice or snow Wind. including the garage and other buildings on your property. and hail Please note: Your policy currently DOES NOT cover you for damages caused by floods.000 of the replacement cost on your house. Your policy covers up to $250.

and furs: $25. clothing.00 each person Additional living expenses: $50.000 Damage to other people’s properties: $1. 4. Your deductible is $250.000 each occurrence Medical payments to persons injured on your premises: $5.000 each occurrence 3. The premium for the earthquake damage coverage portion is $265. books. Your total premium is $903 for the year.000 Loss of personal property away from the premises: $20. watches.000 Maximum benefit for jewelry. silverware. appliances.000. if the damages are caused by an earthquake. This includes a discount of $45 for your home security system and smoke alarm.furniture. and so on. But. Your policy also covers you for these benefits: Double Income 12 Months! Personal Property . computers. then your deductible is 10% of the value of the 41 .000. and is included in that total.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression 2. at replacement value: $125.

Specializing In Protecting Your Dreams -- 123 Main Street. Leslie. thank you for doing business with us.S. if an earthquake caused $250. Best regards.000 (10% of $250. Leslie.com 42 . (Your name) “Your Dream Protector” P. For example.000 in damages on your house. it truly was a pleasure serving you. Welcome to our family. Inc. Have a fantastic day! ABC Insurance Agency. 94000 Phone: 619-123-4567. then the first $25. This means you would receive $225. CA. -. We appreciate it very much. please call me at 123-4567. Fax: 619-123-4568. if you have any questions about your policy. for a maximum amount of $25.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression replacement cost on your house.000 worth of repairs comes out of your own pocket.000).000 from your insurance company. E-mail: client@abcagency. Once again. San Diego.

and because. she can talk to you right away. In addition. It’ll make you stand head and shoulders above the competition. she’ll know exactly what her policy covers and what it doesn’t. if she has any questions about it. So. This sets a new standard of excellent service in your clients’ minds.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression ______________________________________ As you can see. “How come my other insurance agents didn’t give me a similar letter with my policies?” This is the first step to astonishing or to “wowing” your new customers. including a policy-explanation cover letter with each policy provides a “personal touch” service for your clients. On the other hand. your policy-explanation cover letter will prevent misunderstandings right from day one. then she can simply ask you to add it onto her policy. For instance. when Leslie reads your letter. Some of them are going to say to themselves. if Leslie wanted to have flood coverage. if you didn’t include a policy-explanation cover letter with the policy. but just forgot to tell you about it. This will give her more protection and peace of mind. like most of your 43 . In the above example.

7 Ways To Grow Your Insurance Business
During This Recession or Imminent Depression

customers, Leslie usually doesn’t read her insurance policy, she
may just assume flood coverage is included.

The last thing you want to see happen is for Leslie to file a flood
damage claim and then to find out she isn’t covered for it.

If this situation should ever happen to Leslie (like a similar
situation has happened to many insurance buyers) then she could
suffer damages that may wipe out her dreams and future.

And this will cause you to carry a ton of regret with you into
your future, because you know you’ve done a great disservice to
Leslie by not educating her properly about her insurance policy.

That’s why it’s so important for you to include a policy-
explanation cover letter with every policy that goes out of your
agency, whether it’s a homeowner’s, auto, business, life, health,
disability, or marine.

Today, although carriers are trying to make the policy contracts
easier to read and to understand, including a policy explanation
letter with each policy will provide your customers with an
outstanding level of service. As I’ve said several times, most of
your customers usually don’t read their insurance policies
anyway.

Okay. Please take time now to create your own policy-
explanation cover letter for each kind of insurance you sell.

44

7 Ways To Grow Your Insurance Business
During This Recession or Imminent Depression

Since each customer’s policy is usually different from the other,
all you can do is to create a template and then enter the specific
descriptions and amounts when you get the policy from your
carrier.

45

7 Ways To Grow Your Insurance Business
During This Recession or Imminent Depression

Chapter 5

Use These Thirteen Ways
To Make Your Clients Feel Good
1. Remembering your clients’ birthdays.

Send them cards, and also follow up with a phone call on their
birthdays.

Many agents send birthday cards, but very few actually
follow up with a phone call. It only takes a minute to make
each call, but the positive impact it’ll have on your clients
will be enormous. It’ll bond your clients to you deeper.

2. Remembering their anniversaries.

Again, just like birthdays, send them cards as well as calling
them. They’ll be pleasantly surprised to receive a phone call
from you. It’ll make you stand head and shoulders above and
beyond the competition. Leave a message if they’re not
available.

3. Sending them cards or gifts on special holidays and
occasions.

46

Greeting them promptly. Father’s Day. Unlimit2 Months! Because a client is unfamiliar with your place. 47 . Independence Day. They’ll consider you as a professional advisor and close friend. they’ll still feel somewhat uncomfortable. instead of just as an insurance agent. New Year’s Day. Thanksgiving Day. no matter how many times that person has visited you. Mother’s Day. See Chapter 3 above for a list of special reports you can give to both your personal and commercial lines and clients. By doing so. So a prompt greeting will make them feel more at home. 5.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Keep in touch with your customers on Valentine’s Day. Sending them special reports or newsletters to educate them on how to benefit more from their insurance policies and also how to improve various aspects of their lives. Doing so will create a positive image of you in your clients’ minds. and so on. you’ll be providing them with more and more value. Remembrance Day. Even if you’re busy with another customer or on the phone. 4. Use them when appropriate. Christmas. pause to say hello or make a gesture and eye contact to let the customer know you’ll be ready to help them soon.

John” or “Good afternoon. greet him or her by saying. This is Susan. It’s a great day here. The client’s name is the sweetest sound and the most important word to him or her. 6. So use his or her name every few minutes during a conversation. How may I direct your call?” When a call has been transferred to your desk.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression If you have employees. answer the call within 10 seconds of the transfer with a warm greeting such as.” 7. may I help you?” Instead. Anderson. Most agencies answer their phones in a boring way. with an enthusiastic and warm greeting. For example. “Good morning. answer your phone with an enthusiastic greeting such as. “Thank you for calling ABC Insurance. “ABC Insurance. Answering incoming calls by the second ring.” 8. ask them to do the same with each prospect or client who visits your firm. Mrs. “Good morning. Calling the client by his or her first name or the name he or she prefers to be called. Smiling at your customers often. 48 . this is Brian. When a client comes into your agency.

Get Unlimited Insurance Clients – Volume One 10. your client can understand what his or her policy covers and doesn’t cover.) 11. A warm and sincere smile will brighten up your client’s day. Including a translation of the policy contract with each policy you send or give to the customer. Handling customers’ requests or complaints quickly.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Doing so will tell them they’ve come to the right place to do business and are on friendly grounds. Listen to them carefully. This way. (See Chapter 4. Sending a thank-you letter to your customers within 48 hours of the sale. We’ve already talked about this in detail. 9. and be patient as they explain their requests or complaints to you. Smile with both your mouth and eyes. Just remember to include this as a part of your exceptional customer service philosophy from now on. This is a one or two-page special cover letter explaining the main benefits of the policy in everyday language. allowing you to resolve any misunderstandings or discrepancies right away. 49 .

S. then explain to them what action you’ll take to resolve the issue and when you think it’ll be done. Make notes of key information. Have a great day! Within 12 Months! 50 . using positive and easy-to-understand language. While reading a magazine or newspaper. if you come across an article you think one of your clients would be interested in reading. Avoid using insurance jargon. restate what they’ve just said. This is another “personal touch” service that’ll bond the customers to you deeper. cut it out and send it to him or her with a sticky note that says something like… Hi Linda.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression To make sure you understand them correctly. Thought you may be interested in reading this article. 12. Sending a newspaper or magazine article to the customers that you think will be of interest to them. Bill P.

This way. please use as many of these 13 ways as possible in your business. when you communicate with them. to benefit the most from these 13 ways. Now. So. their families and friends. So. right away. you’ll do them automatically. As you can see. please print them out and place them where you (and your employees) can see them often. Automate this information so it’s easily accessible by everyone in your agency. By doing so. after reading them a dozen or so times over the next few weeks. or career. letting them know you care.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression 13. the more you know about your clients. Learning as much as you can about your customers’ hobbies. these 13 ways to make your clients feel good or special simply are little things with a “personal touch. the better you’ll be able to protect them with the right policies. practice.” It’s the little and “personal touch” things that’ll make a big difference. lifestyles. 51 . you can ask them about how they’re doing in each area. you’ll remember them. and so on. Doing these low-cost “personal touch” services for them regularly will pay enormous dividends for you. eventually. Besides.

then you’ll find roughly your top 30 clients generate about 60 to 80% of your income. 52 .000 clients.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Chapter 6 Identify The “A.” And “C” Clients Of Your Life Insurance Practice Unlike a P & C agency. For example. then your top 30 (or 3% of your) clients generate between 60 and 80% of your business. if you have at least 100 clients. While the 20/80 formula may apply to your practice. if you have 1. if you have 200 clients. you classify the clients of your life insurance practice into three groups solely based on the business you generate from them. And this is usually true no matter how many clients you have above 100. Or. if you have 500 clients. Or.” “B. Your top 30 clients are your A clients. instead of identifying who are your personal and commercial lines clients. then your top 30 (or 15% of your) clients generate between 60 and 80% of your business. then your top 30 (or 6% of your) clients generate between 60 and 80% of your business.

while you may have only a few clients who’ve purchased policies with $20. your annual premium may range from $1. Let me prove it to you.000 or more in premiums. But you know what? After they’ve identified their top 30 clients.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Are you surprised (or even shocked) that 30 of your clients could generate up to 80% of your business? If so.000 to $50. in your life insurance practice.000 or more. it’s 72%. For some agents. When I shared this information with other life agents. they found this to be true every time. Sure. you’re not alone. they were surprised as well. 53 . Depending on what kind of policies you sell. you’ll find your top 30 clients usually generate at least 60% of your income. it’s about 80%. their top 30 clients may generate about 65% of their business. And. for a few of them. The reason this situation happens is. For others. you’re highly leveraged – much more leveraged than the P & C agencies and other non-insurance businesses.

Okay. The other way to identify your A clients is to use the 20/80 formula. by commission. You just learned the first way to identify your “A” clients – they’re your top 30 clients. for the last fiscal year.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Run a list of all your clients in descending order.. by commission. 54 . for the last fiscal year. Multiply the total # of clients you have by 20%. Run a list of all your clients in descending order. This will give you the 20% of clients that generate 80% of your income. what percent of your business did your top 30 clients generate last year? I rest my case. Add up the commissions generated by your top 30 clients.. and then compare this amount to the total commissions generated by all your clients for the whole year. Well. Here’s how it works.

Similarly.. # of the Top 20% of Your Clients (A x 20%) or Your Top 30 Clients. add up the commissions generated by these clients. Then divide this amount by the number of your top 20% clients to get the average commission per client. This means 60 clients (300 x 20%) are your top 20% clients. If these 60 clients generated $180.. The clients who generated a commission up to 30% below the average commission of your “A” client (between $2. any clients who generated 30% or more below the average commission of your “A” client (less than $2. These are your 55 . For example. let’s say you have a total of 300 clients.000 ($180. Total # of Clients B.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Next. Record your results in the table below.100)… are your “C” clients. Total Commission Generated by All Clients $ C. Average Commission per Client $ D.100 and $2.000/60). then the average commission is $3.999)… are your “B” clients.000 in commissions. Insurance Clients – Volume One The Client Profile For Your Life Insurance Practice A.

Commission Range for Your B Clients From: $ (F*70% to [F-1]) To: $ H. As you’ve learned. Commission Range for Your C Clients Less than: $ (F*70%) As you’ve learned. Average Commission per Your A Clients $ (E/D) G.” “B. your business has three types of customers or clients – “A. and money wisely. one of the biggest mistakes a lot of agents make is they treat (or try to treat) each one of their clients the same way. After you’ve identified who belongs to which group. you’ll be able to treat them accordingly. effort. Total Commission Generated by Your A $ Clients F. and your “C’s” are your least.” For simplicity purposes. customers mean the same as clients in this Action Step. it doesn’t matter whether you sell P & C or life products. allowing you to use your time.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression A Clients E. Your “A” customers are your best and most profitable.” and “C. 56 .

Similarly. you can say they’ve paid a premium for first-class service.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression You should always treat a client who’s doing $10.” and “C” – you’ll be able to figure out how to treat each 57 . Imagine what would happen if the airlines were to treat all their first-class passengers the same way they treat their third-class passengers. If they did that. Within 12 Months! After you’ve categorized your customers into three groups– “A. right? Of course not! Look. right? After all. because your “A” customers are doing so much more business with you than your “B” or “C” customers. why would you (or anyone else) be willing to pay extra for first-class service if all you get is third-class service? You wouldn’t.” “B. then they probably wouldn’t have any first-class passengers. So they deserve to get better treatment from you than your “B” and “C” customers.000 in yearly business with you better – much better – than one who’s doing only $200. you should treat your “B” customers better than your “C” customers.

7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression type of customer in such a way that will still make each one of them feel special. and to your “C’s” within 72 hours. maybe you respond to your “A” customers within 24 hours. your “B’s” once every two months. and your “C’s” once every three or four months. Or. you may want to get in touch with your “A’s” once a month. to your “B’s” within 48 hours. 58 . This is because the more “A” customers you have. Your ultimate goal is to get as many “A” customers as possible. the more successful you’ll become. For example.

to save you (and also your clients’) time.M.. When you do this. Artists Between 3:00 and 5:00 P. Executives Accountants Before 11:00 A.M. they’ll react more favorably to you and be more receptive to your requests.M. you want to contact them during their most suitable time.M. then. So. If you haven’t. Attorneys Before 10:00 A.M. based on their profession.. 59 . or after 4:30 P. Check to see whether you’ve been contacting your clients during the time suggested. starting today.M. between the 12th and 20th of each month Architects Between 3:00 and 5:00 P. Professional Best Time To Call Advertising & Media After 3:00 P.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Chapter 7 How To Contact Your Clients (And Prospects) At The Best Times One of the greatest time wasters is playing telephone tag with your clients or prospects. The table below shows the best time for you to contact your clients or prospects. do so and you’ll able to get hold of them more often.

M.M. Contractors Before 7:30 A.M.M. Brokers. Grocery & Convenience Wednesdays.. Stock Before 9:30 A.M. or 2:30–4:30 pm.M. Executives Before 8:00 A.M. from 1:00 to 4:00 P. Morticians 10:00 and 11:00 am.M. between 7:00 and 9:00 P. Homemakers 10:00 and 11:00 am.M.M. Jewelers Between 9:30 and 11:00 am. Clergy Weekday mornings Collection Agents After 3:00 P. Farmers Between 3:00 and 5:00 P.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Bankers Before 10:00 A.M.M. or after 3:30 P.M. opens) Chemists Between 3:30 and 5:00 P..M. 60 . Owners Government Employees At home. or on days off Druggists Between 1:00 and 3:00 P. Doctors After 3:00 P. or 2:00 – 4:00 pm. EST or 6:30 A. Government Officials Between 2:30 and 4:30 pm.M. Engineers Between 2:30 and 4:30 P. Personnel Dieticians Between 1:00 and 3:00 P. or 12:00 to 1:00 P. Dentists After 4:00 P.M.M.M. PST(Before the New York Stock Exch. or on days off Department Store Between 8:30 and 10:00 A.

M. Purchasing Agents Tues.M. Printers Between 1:30 and 3:30 P. Restaurant Owners Between 1:30 and 3:30 P.M.M. Surgeons Between 2:00 and 4:00 P.M. on Saturdays ************************************************ 61 . to Thurs. or 12-1 pm. to Thurs.M.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Movers Mid week. Before 10:00 am. Nurses Weeknights. between 7:00 and 9:00 pm. Teachers At home. Managers Wholesalers Before 9:30 A. Theatre Owners or Before 2:00 P. between 7:00 and 9:00 P. Real Estate Managers Tues.M.M. Reporters Between 2:30 and 5:00 P. 9:00 to 10:30 A.M. Newspaper personnel Between 1:00 and 3:00 pm.M.M. Before 9:00 A. Personnel Directors Between 9:30 and 11:00 A. Publishers After 3:30 P.

7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression You can sign up to receive your FREE copy by going to www.kenvarga.com 62 .

63 . Buy & Beg for MORE!" It sold 30. would you be interested? Successful businessman and entrepreneur. It's like sitting down with him and having him reveal all his secrets on how to be successful in business. His book is called "How To Get Customers to Call. Buy & Beg For More! If a multi-millionaire offered to sit down with you and show you all the secrets that made it possible for him to amass his fortune.000 copies before the first copy rolled off the presses. Ken Varga has released an AMAZING "tell all" book that will have you skyrocketing your profits in no time flat.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression How To Get Customers To Call. You'll want to get your copy quickly so that you can start applying these secret techniques and amassing a fortune of your own.

7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression According to. Ken Varga is one of these rare individuals. he has the ability to convey his cutting-edge ideas and strategies to his audiences in an easy to understand manner. concept.. Mark Victor Hansen author of Chicken Soup for The Soul… "In my speaking career.” 64 . Not only has he acquired a vast ocean of knowledge and experience by being involved in 32 different successful businesses. Every attendee will leave his workshop or seminar with at least a dozen tested-and-proven ideas to take their business to the next higher level of success.. and strategy they shared with their audiences. I've met many speakers who have acquired their expertise by studying other experts in their fields. but I've met only a few who actually have spent a lifetime and millions of dollars to test every idea.

His fast-moving talks and seminars on leadership. and seminars. I've met thousands of agents during my speaking career. I've spoken at dozens of insurance conventions. sales. I knew I was talking to an expert at starting an insurance business from scratch and then taking it to the million-dollar mark in record time. managerial effectiveness and business strategy 65 . workshops.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression Here’s what Brian Tracy says about Ken… “After speaking with Ken Varga for only 14 minutes. believe me. agents across the nation can learn and use his million-dollar ideas and secrets to make a fortune in the insurance profession the quick and easy way. Ken no doubt is the most successful insurance agent I've met. including hundreds of Top of the Table members. meeting hundreds of speakers and authors.” Brian Tracy is one of the world's leading authorities on personal and business success. With 460. In the last ten years.000 clients for his insurance agency. But none of them has the success records that Ken has. Now that he has started to offer his speaking engagements and consulting services to insurance companies and associations. And.

Buy & Beg For More” by visiting our website at: www. He has written and produced more than 300 audio. Balance of trade increasing negative. This book will help you do just that. falling.7 Ways To Grow Your Insurance Business During This Recession or Imminent Depression are loaded with powerful.kenvarga. and video. Price: $97 USA Copyright © 2012 by Kenneth J.html Massive layoffs. learning programs.com/howtoget. The dollar continuing to fall in value. All Rights Reserved. He has spoken in 23 countries. 66 . Number of buyers decreas- ing in every industry. Financial institutions going bankrupt. Budget deficit growing. How will you and your insurance business survive with so many parts of the economy imploding? You must set up and run your insurance business to prevent the economic fallout from wiping you out. proven ideas and strategies that people can apply immediately to get better results in every area. Learn more about “How To Get Customers To Call. Discretionary income falling. Brian addresses more than 250. He's the best-selling author of 16 books. and speaks 4 languages. Varga.000 people each year.