Why I Don’t Sell Life Insurance (and Why I Don’t Buy Leads)

Why I Don’t Sell Life Insurance (and Why I Don’t Buy Leads)

I’ve discovered that traditional life insurance sales practices often harm clients more than they help. Let me explain why.

The Problem with Buying Leads

When people fill out online forms to request information about life insurance, they often don’t realize they’re entering a system where their personal information is sold. These “leads” are then pursued relentlessly by salespeople using outdated, high-pressure tactics—like a stereotypical used car salesperson. This approach exploits the innocent curiosity of people seeking protection for their families.

I don’t participate in this system. Instead, I believe in clients reaching out to me after they’ve read my articles on Facebook, my website, or other social media platforms. This way, they’re informed and come to me because they value what I have to offer—not because they were pressured into a conversation.

What Clients Often Don’t Understand About Life Insurance

Over the years, I’ve learned that even well-meaning clients often don’t fully understand how life insurance works or the long-term implications of their decisions. For example:

•   Many policies require payments for 20 years or more.

•   Life can change dramatically in 20 years—unexpected expenses, job losses, or reduced income can make those payments unsustainable.

•   When a policy lapses, all the money you’ve paid into it is lost—leaving you with no protection and no financial return.

This is why I advocate for single premium life insurance whenever possible.

Why Single Premium Life Insurance Is a Better Option

If a client can afford to make a single premium payment upfront, it offers significant advantages:

1.Lower overall cost: It’s less expensive than spreading payments over decades.

2.Immediate cash value: The policy begins to grow in value immediately.

3.An asset, not a burden: Instead of becoming a financial strain, the policy becomes an asset that can provide flexibility during hard times.

The Reality of Losing a Policy

I’ve spoken to too many clients over the years who were struggling financially, facing more expenses than ever, and making less money. When they can no longer afford their monthly premiums, they lose their policy—and with it, all the money they’ve spent.

It’s heartbreaking. Losing a policy is like taking all the money out of your 401(k) to make ends meet—except you’re left with nothing to show for it.

The Right Advice Matters

We can’t predict the future, but with the right advice from an honest insurance agent, you can make decisions today that set you up for success. A well-structured policy can become a lifeline and an asset when you need it most, instead of a burden you’re forced to give up.

Protect your future. Understand your options. And never let high-pressure sales tactics or misinformation guide your decisions.

Call or text Chris for a consultation not a sales presentation! Text Chris 860-884-1370

email estatechecklist@gmail.com