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The Making of a Multi-Million Dollar Insurance Salesperson

Every sales person or sales agent fantasizes about becoming a millionaire. This is how one individual became a Multi Million Dollar Insurance Salesperson.

Over half the insurance agents recruited earn less than $50,000 before making a quick exist. So how do you make a million dollars, an then more? Especially when your career involves selling insurance? For me it was not by working 70 hours a week. No “get rich quick” insurance trade magazine article or ad inspired me. I don’t ever recall working with millionaire clients. In fact, in my case it would take a ton of policies to equal a million dollars premium collected, let alone commission earned. I never even received one of the over 90 insurance designations currently available.

My case involved putting together a formula, that you could easily (with effort) mix to achieve similar or superior results. For me the ingredients were composed of four components.

WILLPOWER I need to convince myself that I could achieve the insurance production goals I was setting. To begin, I purchased a collection of books on positive thinking. In them they emphasize phrases like “I Can” and “I Will”. I repeated these key word phrases over and over in my conscious mind, and saw some definite steady improvement in my sales achievements. Good but not good enough.

Suddenly I was introduced to self-hypnosis and my insurance career instantly changed. This was not some occult form of hocus-pocus but sheer enrichment that builds and builds. It start with a client from England who was a professional hypnotist. I was intrigued, and he agreed to teach me how the subconscious mind automatically overrides the conscious mind. He then graciously taught how to easily hypnotize myself anytime I wanting. I programmed myself for success, and success followed.

SALES SKILLS The so called selling skills insurance companies showed me, never really improved. I quickly saw that repetition of a bad habit is dangerous to your career. Now that my income was rising, I added another piece of dynamite to reaching sales goals faster. If I could double my closing ratio, it was simple to see my income doubling.

I invested in the Dale Carnegie course for sales people. During this course I learned the steps that must be covered properly if you are going to expect a sale. What I did not expect was the announcement that passing the course required covering all the points in a two minute or less presentation. This is when I re-emerged a trait, I was not using enough.

DETERMINATION I set myself a goal that surpassed just passing the course. Although there were around 25 people taking the course, I was determined. Not only was I going to pass, but my presentation would be voted the best of my fellow 2 dozen professional sales people. Needless to say, it took willpower, sales skill, and determination galore. Winning, gave me a feeling of floating sky high. After this I felt I could sell snow to an Eskimo.

NO FEAR I have to admit, when I started selling insurance I was full of fears. It took the first 3 ingredients and one more step to prove to myself that I now had no fear. I had to do what few before me financially succeeding in trying. That was to make sales, by breaking the established rules, and doing what “experts” considered would only be done by fools. I would exchange my briefcase for a folder and yellow pad. My suit and tie would be reserved for funerals, and my dress code would be neat, yet informal. Now I was prepped for my no fear test.

Without setting a single appointment, I opted to just knock on a prospects door, and do a simple presentation. I also programmed myself to act casual, using a “well, maybe you can’t afford it” approach if I had a closing objection. I knew most prospects have their conscious minds ready to be told they can certainly afford it. Using the opposite effect would alter their conscious thinking process.

Starting on a Monday morning and working no evenings I wanted to test my abilities to the max. I started out well self-hypnotized and with about 50 prospect cards, some of them “leads”. Remember now, we are talking over 30 years ago. Without appointments I saw 25 prospects and made 30 straight sales of all sizes. Not a single strikeout. With over $20,000 premium and much of it in annual cash payments, I decided to stop with $12,000 in commissions. I had accomplished and achieved my goals in just four days. Yes, with a rounded effective formula you can put on the brakes.

MY FIRST MILLION was then made very easily. For me, I proved I could become a millionaire, by breaking all the rules. My average policy size was not gigantic but my closing ratio was incredible. I did not wear a suit or tie or carry a briefcase. My cars were snazzy new Camaros and Mustangs, and I quit wasting time struggling to make appointments.

There is one danger in programming yourself to achieve a certain goal. Since you are bound to achieve it, before applying self-hypnosis, ask yourself if it is good for your mind and body to do whatever it takes.

To become a multi million dollar insurance salesman, do the opposite of most salespeople are doing. Develop your own prospecting methods, presentation sills, and closing tricks. It becomes much easier making an insurance sale when in your mind you have already done it, and have the acquired sales skills to back it up.

I did it my way. You can too.

Cleaning Your Car

If you just bought your first car, chances are that it means a great deal to you and you’ll probably be obsessed (at least for the first few months or so) with keeping it clean. There’s nothing wrong with this; it’s perfectly normal (as the car doctor would say). However, when you go to clean your car, there are certain things you’ll need to know. After all, certain vehicles require extra special attention to remain looking as nice as they do! This goes way beyond the realm of good old soap and water.

Driver Beware

We’ve all heard rumors about car washes. If you’re thinking of taking your vehicle to one of those automatic car washes, you should exercise caution. While they may seem harmless, machines aren’t perfect and can sometimes damage your vehicle. Don’t get me wrong, cars are meant to be driven and therefore, they’ll probably be on the receiving end of a nick or two from road debris flying up at high speeds and hitting your car. Unfortunately, there’s nothing you can do about that type of damage. However, there are things you can do to prevent other types of unnecessary damage from occurring.

When you bring your car to an automatic car wash, which is usually located at a gas station, you can always feel free to go inside the station and ask the attendant how recently they had the automatic car wash inspected. There’s a good chance that they won’t have a clue; but hey, it’s worth a shot. Sometimes the brushes and other machinery in these types of car washes can be a little rough on your vehicle, leaving unnecessary scratches. After all, there’s a reason they only charge you like five bucks!

You’ve probably heard the saying, “If you want something done right, do it yourself.” Well, it’s true. The best way to most effectively get the results you want for your vehicle is to do it yourself. Now, if you’re willing to spend a ton of money, your next best option would be to pay a dealership or other professional company to have your vehicle detailed. When your car is detailed, it is returned to you as if you had just bought it yesterday. It’s typically that good. But if you’re going to do it yourself, you should make sure that you’re informed of the right way to clean your car. Some things that you’ll need to get started include:

– Auto cleaning wipes (ex: Armor All wipes are great)

– Vacuum cleaner or portable vacuum

– Glass cleaner

– Auto microfiber cloths

– Garbage bag

– Stain remover

– Interior spray or wipes

– Bucket

– Soft sponge (specifically for cars)

– Car cleaning solution

Cleaning your car should be something you enjoy doing. It’s also something that’s great for your car to help maintain the exterior life of the vehicle. Depending on where you live, cleaning your vehicle might be an essential part of your life. For example, if you live near the ocean, you’ll want to clean your vehicle fairly regularly to avoid having salt damage done to the paint.

Biometric Adoption Across Automotives

According to Technavio’s market research predictions, the global biometric market is all set to grow in the automotive sector. It is expected to grow tremendously at a Compound Annual Growth Rate (CAGR) of 19.27% during the period of 2017-2021. Based on an in-depth market analysis, the industry experts prepared the report, Global Biometric Market in the Automotive Sector 2017-2021, which covers the landscape and growth prospects that would most likely shape the coming years.

Both the manual keys and electronic keyless entry system possessed certain loopholes that left the vehicles vulnerable to theft. The existing vulnerabilities drove the growth of biometrics in the sector and biometric vehicle access system is going to see a significant rise over the next few years. Owing to the economic slowdown, the past few years saw a transitory demand for automobiles in the developed countries. The emerging markets however witnessed a massive growth due to elevated buying power of the consumers and strong economic growth. Especially in the BRIC countries, i.e. Brazil, Russia, India and China, trade practices have been vigorous and several OEMS entered the market to tap the potential.

Major Original Equipment Manufacturers (OEMs) and keyless entry system manufacturers are expected to invest in advanced automotive biometrics for vehicle access. Another factor triggering its growth is the need for user-friendly infotainment systems. Growing customer demands for smart innovations are also driving the growth of global automotive biometric systems. Biometric voice systems can be used to fix car problems associated with infotainment systems, i.e. navigation functions, communication and vehicle audio thereby facilitating better user interaction with the vehicle system. Smartphone enabled biometric recognition would also help in vehicle access and ignition.

Geographical Segmentation:

  • America
  • Asia-Pacific
  • Europe, Middle East and Africa (EMEA)

By the end of 2015, EMEA had close to 51% of the total market share. It’s expected to grow and lead other regions and become the major revenue contributor in the coming years. Further, the presence of global automobile giants such as Mercedes-Benz, Audi, BMW and Volkswagen makes it one of the largest markets for biometric vehicle access system.

The report identifies the market’s prominent biometric vendors as:

  • BioEnable
  • Techshino
  • Nymi
  • Miaxis
  • Synaptics
  • Sonovation
  • EyeLock
  • Nuance

The automotive biometric market is still bursting out and smooth adoption of biometrics is not as facile as it seems. In a cost-sensitive industry that requires high quality and is characterized by the presence of a large amount of biometric manufacturers, the prominent vendors are looking for ways to provide a more personalized experience resulting in an increased demand for biometric access systems.

Car Audio Equalizer

For most of us, a car audio system is nothing more than a device that plays our favorite music. However, our car audio systems are complex mechanisms. They consist of several small units. One unit of a good car audio system is the equalizer. It would be interesting to know more about the equalizer in a car audio system.

Understanding the Equalizer

A car audio equalizer can be defined as a high fidelity audio control. The equalizer enables the user to control different frequency bands in an audio system. The user can also see graphically or digitally (depending on the equalizer design) these sound frequencies with the help of the equalizer.

A regular car audio equalizer includes several audio filters or amplifiers. Each audio filter is centered on a particular frequency in the audio range.

The user can then decide which frequencies need to be boosted and which need to be turned down. This requires a level of skill. But you can try it out and see what works and what doesn’t.

Now, that you can tweak the frequencies to change the sound doesn’t mean you should do that with every CD you insert. This should actually be done only when you’re setting up, upgrading or tuning/retuning your car audio system.

It is always good to have an equalizer for your car audio system for several reasons. The most important advantage is a great improvement in sound quality. The audio quality is enhanced.

There are several types of equalizers. Most equalizers include both high and low pass filters for all inputs. However, whichever you choose will make a difference in your car audio system if used correctly.

If you don’t know how to use it and are not patient enough to learn or willing to get a professional, then you’d better leave it off. You can actually mess up your car audio if you don’t do it right.

Income Protection – Various Product Options Available in the Insurance Field!

Are you worried about losing your income? You may fear losing your job due to the recession. It is uncertain whether there would be a continuous flow of income. Due to inevitable reasons, your basic amenities may not be met. What do you do in order to prevent it? You get an insurance in place to protect your earnings. If you fall short on your mortgage repayments then you may have to make an agreement with the lender that you need an extension in payment dates and pay up a penalty for missing them out. But, when your income flow is disrupted it may be really difficult for you to catch up with your mortgage payments on a timely basis. It is highly impossible with out a reliable source.

Reach insurance experts to find out the income protection options that are open to you. Basically there are two types of protection of income: income payment protection and income protection insurance. These are two different terms although they sound similar. Ultimately, they try and help you safe guard your income. Read on to find out what is the difference between the two.

Income payment protection

Income protection insurance

Income payment protection – this pays for a temporary basis. It is paid for a short term. It usually lasts for 30 -90 days. It can stretch to 12 monthly payments. It ceases to exist once you find a job and are earning money again. It also helps to get tax exemption on your income.

And the income protection insurance can last longer till you get retired. This will not payout for unemployment but will pay your monthly payments when you are crippled or are unable to work due to an accident, chronic illness etc.

You might have to make a lot of adjustments in your life style, if you lose your job. As you have to pay back a lot of bills including your grocery bills, electric bills, credit card bills, mobile bills and the financial problem aggravates if you have a bigger mortgage commitments. It makes a lot of sense to have your income protection policies in place. With such policies, you will be able to make all your payments. Your insurance will compensate for the loss of income and will pay out till you resume back to work. It can even cover your medical expenses and hospital bills. Get the most suitable cover to protect your earnings.

Technician Etiquette

Have you ever arrived at a job to make a repair, only to have the customer rant and rave for 15 minutes about the last technician or company that was there, and how they screwed the system all up? Who hasn’t, right?

So what do you do? LISTEN. That’s all they want, someone to listen to them. Let them vent, and get it off of their chest. When they pause for breath, they’re usually done. Don’t disagree or argue with them, or you will give them another shot of adrenaline, and off they go again. You will always lose in an argument with your customer, no matter who is right.

If they are bad-mouthing another company, don’t agree with them either. You are not there to pass judgment on anyone else. If you talk down about another company, the customer will think badly of you, too.

I know, you’re just there to get the job done, and move on to the next one. But half of your job, as a service tech, is PR work. You are the person that the customer deals with on a face-to-face basis. When he/she talks to anyone in your company on the phone, it’s your face they see in their mind.

You are not there to blame others. You are not there to accept blame for the problem, either. However, it is okay to apologize for the problem. “Wow, sir, I’m really sorry this happened to you.” You’re not admitting that it’s your fault, but you are showing that you care that this happened to him. Your next line to say is, “Let me see what I can do to take care of this for you”. Now, he feels that you are on his side, and will probably leave you alone to do what you have to do.

Don’t be afraid to admit when you’re in over your head, either. Your customer will understand and appreciate your service more if you say to him, “This is a little beyond me, but I’m calling (another tech/my supervisor/tech support), and we’ll do what we can to get this fixed”. If you don’t know the answer, at least know where to turn for it. That’s what will make you a good tech. And, don’t ever say, “That’s not my job”. You’ve just slammed a door in the customer’s face. Prepare for tongue-lashing number 2. A better answer would be: “That is usually handled by our (Billing/Service/Sales) department. Would you like me to (get them on the phone/give you the number/let them know)?”

Always be honest with your customer. It’s a lot easier to remember the truth, than it is to remember which lie you told to which customer the last time you were here.

I’ve always treated my customers as I would treat a friend. This doesn’t always work, though. Sometimes, it’s obvious that the customer doesn’t want another friend; they want a professional to take care of the repairs. You’ll just have to play it by ear.

Remember, if you don’t present yourself to the customer as a professional, they will:

  1. Wonder if you will be able to serve their needs.
  2. Tend to ignore any advice you offer.
  3. Pretty much give you a hard time, all the way around.
  4. Include your company’s name in their next tirade.

Don’t be part of the problem. Be part of the solution. The customer will remember that the next time he needs service. P.S. Probably the best thing I’ve ever heard upon arriving at a job is, “Oh, thank God you’re here. I know it’ll get fixed this time.” (Ouch. I think I just broke my arm!)

How to Identify Car Issues With Your Nose

Did you know that your nose can actually identify certain warning signs of vehicular trouble? Different smells may imply particular problems with your vehicle, and picking up on these smells early on can spare you time and money on auto repairs. Continue reading to learn which automotive smells to be on the lookout for, and what to do if you detect any of these odors in your vehicle.

Unusual Car Smells

If you buy a car right off the market, you can expect that tell-tale new car smell. But after sometime, that new car smell wears off, and what replaces it depends on your interior automotive hygiene. However, it is possible to smell odors in your vehicle that are different from the food, smoke, perfume, and other odors that may generally occupy your interior. In this case, the presence of unusual odors could be a sign that something is mechanically wrong with your car. Below are the 6 most common automotive odors that may indicate an automotive problem.

Look Out for These Automotive Odors:

Gasoline – If you smell gas, it could mean that your vehicle has a gas leak somewhere in the fuel injection line or fuel tank. Since gasoline is highly flammable, it is vital that you take immediate action. Have a licensed mechanic locate the cause of the smell and make the necessary repairs to get your vehicle back to a safe driving condition.

Burnt Rubber – The smell of burnt rubber could indicate that your engine has slipping drive belts or loose hoses that are rubbing against the rotating accessory drive pulleys. This calls for professional auto repair.

Burnt Carpet – Smelling burnt carpet is a serious sign since it usually indicates a problem with a vehicle’s braking system. This is a serious safety hazard that should be addressed by a professional mechanic immediately upon discovery.

Hot Oil – Hot oil smells could mean that your car has an oil leak that is causing oil to get into the exhaust system. If you also see smoke coming from the hood, or oil on the pavement below, it is most likely an oil leak. This calls for professional service.

Sweet Syrupy Smell – Sweet syrupy smells are an odd odor to experience in your vehicle, but they are also quite serious since they may be an indication that your vehicle has a coolant leak in its cooling system. Get professional auto service right away.

Rotten Eggs – The smell of rotten eggs, or sulfur, is a sign that your car’s catalytic converter is defective. When catalytic converters stop converting hydrogen sulfide into sulfur dioxide properly, it can cause the smell of rotten eggs. This sign requires immediate professional automotive service.

Never ignore odd odors in your car. Consult a licensed automotive mechanic right away if you smell something unusual, especially while driving under normal conditions.

Dry Penis – Major Causes, Symptoms and Best Treatment

Many men, of all ages, experience dry penis skin at some stage in their life, especially on the shaft and head of their penis. In fact, when dry penis skin presents itself, most men immediately believe the worst — they have contracted a STD or other illness from their partner or lover. This can, in many cases, lead to sexual anxiety between couples, with the condition becoming worse. It can also have an adverse affect on the sufferer’s self-confidence and sexual habits, as well as their sex life.

However, this need not be the case. In most instances, dry penis skin is directly related to how the skin of the penis is treated and cared for, especially before, during, and after sexual intercourse and masturbation.

Now, before moving on, it is important to clarify that there are many common and simply treated conditions for dry penile skin. These conditions can be rectified over time and will not cause the sufferer any long term damage. In fact, once the cause is found many dry penile skin conditions will clear up and allow the sufferer to enjoy a happy and fulfilling sex life, as they once did. Therefore, rather than letting dry penis skin become a problem, let’s look at some of the common causes, symptoms, and treatments of this condition.

Dry Penis Skin Causes

The most common cause of dry skin on the penis or a dry penis head is lack of care when masturbating or having sexual intercourse. The penis is delicate; its skin is softer than any other skin on the body and it has many nerve endings and capillaries. All of which make sex that much more pleasurable. Therefore, rubbing the penis against clothing, not using adequate lubrication when masturbating or having anal or vaginal sex, and coming into contact with genital stubble, can cause penile skin to dry and become flaky.

Other typical causes of dry penis skin include: allergies, dermatitis, psoriasis, eczema, and candida. On rare occasions, a STD may be responsible for making the penis skin dry, but usually other symptoms will become apparent.

Dry Penis Skin Symptoms

Dry penile skin may appear on the penis head and shaft after rough sexual activity. In addition, red patches and cracks may even become visible on the skin and the penis may be painful to touch.

Allergies, dermatitis, psoriasis, and eczema share similar symptoms, such as dry patches on penis that may be flaky and itchy. On occasions, the penis may feel as though it is hot and burning with visible inflammation. The skin may also crack and weep, and be itchy.

Apart from making the penis skin dry, candida causes the penis to become red, inflamed and itchy. In fact, the itch is so insatiable that it will be hard to ignore. A discharge from the eye of the penis may also be noticed.

Typically STDs have many other symptoms that make them stand out from common causes of dry penile skin. These include blisters, bumps, sores, unusual colored discharge from the eye of the penis, and an unpleasant odor and pain when urinating.

Dry Penis Skin Treatment

All of the penis skin conditions mentioned are treatable, though it will take time for the penis to heal and repair itself. This is why it is recommended to abstain from any sexual activity until the dry penile skin disappears. If it is suspected that rough sexual activity has made the penis skin dry then it is suggested that a penis specific creme, (health professionals recommend Man1 Man Oil), is used daily. This type of product protects the skin of the penis from damage, as it adequately moisturizes the skin and feeds the cells with vital nutrients that keep it optimal condition at all times.

If, after a week, no noticeable change in the condition of dry penis skin has been seen, or the symptoms indicate that more than rough sexual activity is making the penis skin dry, then it is recommended that medical advice be sought.

Want Independence & Mobility? Try a Scooter!

Mobility and independence are, without a shadow of a doubt, the two most important things to your average 17-21 year old. The complicity lies in the fact that one often relies heavily on the other and both often come at great cost to the parents or guardians involved. While most young adults are craving for that souped up 6 litre V8 that has adorned their bedroom walls since they were 8, the realities area tad harsher. Without taking the actual cost of the vehicle into consideration, insurance costs for youngsters are absolutely sky-rocketing out of all proportion. So how is it possible to gain mobility and independence but not dip into the life savings too drastically?

The answer is simple: Scooters.


Ever since the Vespas and Labrettas of the mod era, the scooter has represented a much more fashionable and accessible form of transport for the urban youngster. Low cost insurance, refueling costs and road tax mean that you can be on the road in a nifty little mover for slightly over £1,500. Now I’m sure if you purchase a scooter for your youngster their eyes will probably look longingly over your shoulder on to the driveway where they hope they will spot a Fiesta or Corsa, but you can respond with a one word answer: Compromise.


That word is the route of any argument with a young adult; meet them half way and they can’t complain. Sure the scooter may not be able to hold all their mates as they joyride around the nearest town center, but it will allow them to get out an about at a fraction of the cost of a car. So which is the best scooter to choose?


I recommend the Honda ANF125i Innova, available for less than £2,000 as a great looking, zippy and safe way of getting about. The Air-cooled 4-stroke SOHC engine provides exceedingly low emissions and is praised for its reliability and performance. It looks sleek and sexy and will no doubt be the pride and joy of any owner.

The Importance of a Credit Report

Your credit report in combination with your credit score is as important as the air you breathe. Without it, you won’t stand a chance or survive in the United States. To most of the country, you are just a number in conjunction with a credit history. It does not matter whether you are good person, volunteer, lie or cheat. It only matters how responsible you are with your personal finances.

The simplest way to find out about your credit history is to order a copy online. You want a website that provides you with information from the three major credit bureaus;Experian, TransUnion and Equifax. These bureaus analyze your financial decision making; both past and present, and put that information into a report. A good website to use that provides this information is creditchecktotal.com. It only costs $1 to check and can provide you with invaluable information compiled into a credit report. Your report will not only provide your current credit score, but also your entire credit history.

A credit report acts as your credit references. A positive credit history tells potential lenders that you manage your finances well, i.e. borrow money and pay it back in a timely manner. A negative credit history tells lenders you have a difficult time managing your finances and instead are in debt, often not repaying them as agreed.

Credit reports help you by providing you with your personal financial history. This may include attempts at fraud made by others at your expense or errors made by varying lenders. The report can also provide you with information on good or bad decisions you may have made in the past. By staying up-to-date with your financial history, you can ensure you are making good choices, have the ability to detect if someone is committing identity theft and ensure there are no errors.

In addition, a credit report can explain why you were not approved for a certain loan or line of credit. Even though you had a great or excellent credit score, you still had a negative item or charge back on your credit report, so the financial lender refused to approve you.

You can also see how fast your credit score can be transformed. If you go ahead and start repairing your credit, you can watch how fast negative items can be removed and how fast you will gain points putting your score from bad or below 600 to above 700.

If you are not happy with your current FICO score and/or credit history or find there are errors in the report, you can contact a credit repair company. The credit repair company can boost your credit score, remove negative items and/or dispute errors on your behalf.