How To Be An Effective Life Insurance Agent? 
The simple answer is to always keep your clients needs first . This does not mean just being an order taker . You are the expert so clients need to be aware of the options that are available to them . Example : if a client is looking for a term policy , show them a straight underwritten term , a term that offers Living Benefits , a term that provides a Return of Premium & perhaps a Non-Medical term where minimal underwriting is necessary . Ask the clients questions to find out why they are looking for a specific face amount . How did they come up with that number ? Ask how much they would like to leave on a monthly basis with a lump sum for final expenses . Generally these will lead to higher face amounts . Sometimes you need to determine what the money commitment is so you can design a strategy that can meet the minimal need and allow for future adjustments . An Effective Life Insurance Agent is always staying educated , keeping up with industry trends , product changes and how to design the best strategies for their clients . 