NEWS · MAY 28, 2024

The top mistakes life insurance call centers make ... and how Brokers Alliance helps you avoid them

Speed, health assessment, product fit, and carrier selection are where most call-center life sales quietly leak commissions and coverage. Here is what goes wrong, and the approach that fixes it.

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01 · THE PATTERN

The same avoidable habits, over and over

Most of the friction in call-center life sales does not come from the market. It comes from a handful of process habits that slow underwriting, delay commissions, and wear the client down before the policy is ever placed. Each one is fixable. Below are the ones we see most, and the way Brokers Alliance is built to keep you clear of them.

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02 · THE MISTAKES

Four that cost the most

Where the process quietly breaks, and what to do instead.

01 Over-relying on carrier drop tickets

Drop tickets can be convenient, but leaning on them as the primary strategy leads to missed opportunities, compliance risk, and reduced client engagement. With little to no interaction, the client health status is never assessed, which makes underwriting unnecessarily long and complicated.

02 Defaulting to fully underwritten business

Writing fully underwritten business without thinking is bad for cash flow and creates long turnaround times. It should be a last resort, chosen only after weighing the client health status and issues, not the default path for every applicant.

03 Not offering instant-decision carriers

Without instant-decision options, healthy clients are forced through unnecessary health exams. That delays your commissions and their coverage ... a domino effect that leaves the client irritated with the whole sales process.

04 Contracting every carrier for every agent

Chasing a contract with every carrier for every agent is slow, inefficient, and often unnecessary. It leaves agents juggling numerous carriers when only a select few actually fit the clientele they serve.

03 · THE APPROACH

How Brokers Alliance keeps you clear of them

The fix for each mistake is the same principle applied four ways: assess the client, match the product, protect the cash flow, and pick only the carriers that fit.

Real client interaction, real compliance

We offer resources that build in direct client interaction, comprehensive product offerings, and diligent compliance practices ... the antidote to the disconnect that comes with writing drop tickets. That connection is essential to long-term success as a life insurance agent.

A full range of underwriting types

We carry a wide set of life products spanning instant decision, accelerated, and traditional underwriting. Depending on the face amount, product type, age, health, and financial goals of your client, you pivot to the underwriting process that actually fits their needs.

Instant-decision carriers that fit the client

Our assortment of instant-decision carriers each specialize in different areas ... the living benefits offered, child rider availability, age, face amount range, and the health and lifestyle conditions they accept. Some run client-friendly online platforms, so the client can apply with little help from you while your commissions keep coming in.

The right carriers, not every carrier

Rather than contracting everyone with everything, we pinpoint exactly which carriers best cater to the clientele you work with. That streamlines your business and spares you from juggling carriers you do not need.

Ready to sell without the friction?

Get contracted with the carriers that actually fit your clients, with the underwriting speed your commissions depend on. Reach the team at (866) 872-9394.

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