How to Become a Successful Life Insurance Broker Flagstaff AZ

Being a life insurance agent or life insurance broker is obviously a very challenging professional. It may seem easy and simple, especially when you compare it other seemingly complicated professions, but any insurance broker would tell you that the insurance industry offers its own set of challenges and problems.

Benefit Logic, Inc
(623) 388-4328
1500 E. Cedar Ave.
Flagstaff, AZ
 
Mr. Jeffrey D. Carter (RFC®), CSA, LUTCF
(623) 933-9500
10451 W. Palmeras Drive
Sun City, AZ
Company
Smart Financial Strategies, Inc.
Qualifications
Years of Experience: 22
Membership
IARFC, SCSA, NAIFA
Services
Invoice, Estate Planning, Trustee Service, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Charitable Planning, Charitable Foundations, Asset Protection, Compensation Plans

Data Provided by:
Mrs. Evelyn D. Driver (RFC®), CEP
(480) 344-7743
11715 North 114th Way
Scottsdale, AZ
Company
Independent Financial Group
Qualifications
Education: BS in Business Administration, Arizona State University, 1987
Years of Experience: 23
Membership
IARFC, NICEP
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Mortgage Loans, CommOptions, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Healthcare Accounts, BuySell, LiabCover

Data Provided by:
Charles Booth
2812 N Norwalk
Mesa, AZ
Company
Title: CPA, PFS
Company: Clarity Wealth Management
Type
Investment Advisor Rep: Yes
Education
Arizona State University
B.S. Accounting
1971
Years Experience
Years Experience: 10
Service
Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financia

Data Provided by:
Mr. Jeffrey J. Biro (RFC®), CEP
(480) 969-5667
6900 E. Camelback Road, Suite A-39
Scottsdale, AZ
Company
Family Wealth Advisors
Qualifications
Education: BA, MA(abt)
Years of Experience: 30
Membership
IARFC, MDRT, FPA, SFSP, NAIFA, GAMA, NICEP
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Employee Benefits, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Charitable Planning, Education Plan, LiabCover, Compensation Plans

Data Provided by:
Victoria Coletti (RFC®), CFP
(520) 818-9416
38702 S Starwood Drive
Tucson, AZ
Company
Design Capital Planning Group, Inc.
Qualifications
Education: AA
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Retirement Planning, Tax Planning, Tax Returns, Seminars Work, Mortgage Loans, Collectable Coins , Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Compensation Plans

Data Provided by:
John J. Brooking (RFC®), CFP
(480) 967-3351
8905 Heather Dr
Tempe, AZ
Company
John J. Brooking & Associates
Qualifications
Education: BS, ASU W.P.Carey School of Business with a emphasis on Economics
Years of Experience: 49
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Charitable Planning, Compensation Plans

Data Provided by:
Jeff Vogan
2929 N. Power Road, Ste 101
Mesa, AZ
Company
Title: RFC, IAR
Company: Premiere Retirement Planning
Service
Stock Market Alternative,Wealth Management,Annuities,Investment Consulting & Allocation Design,Retirement Income Distribution Planning,Individual Income Tax Planning,High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Life Insurance,Investment & Portfolio Management,Estate Tax Planning,Asset Protection Strategies & Planning,Fee Only Portfolio Management,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Retirement Planning,Annuity Idea

Data Provided by:
Ray Cerimeli
960 Oxford Lane
Chandler, AZ
Company
Title: Financial Service Consultant
Service
Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Health Care Insurance,Retirement Planning,Real Estate Investm

Data Provided by:
Mr. Daniel J. Trotta (RFC®), MBA
(480) 626-8089
10105 E Via Linda Dr #103-324
Scottsdale, AZ
Company
Choice Benefits Inc.
Qualifications
Education: MA.Ed, University of Phoenix;MBA, Roosevelt University; BBA, Walsh College;AAS, Scottsdale Community College
Years of Experience: 16
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Business Coach, Charitable Planning, Education Plan, Healthcare Accounts, BuySell

Data Provided by:
Data Provided by:

How to Become a Successful Life Insurance Broker

Being a life insurance agent or life insurance broker is obviously a very challenging professional. It may seem easy and simple, especially when you compare it other seemingly complicated professions, but any insurance broker would tell you that the insurance industry offers its own set of challenges and problems. Still, while insurance is no easy industry to penetrate and succeed in, it also doesn’t mean that it’s impenetrable. All of need, obviously, is the right set of tools and the proper mindset in order to succeed. The life insurance sector of the industry requires you to be organized, resourceful, and smart.

The beginning of your career

Of course, in order to succeed the life insurance industry, you need to start from the bottom and work your way to the top. The first two points here are your license preparation and your training.

You probably already know this, but it requires reiteration: in order to become a life insurance agent, you need to pass a state license exam. Basically, the exam will enable you to offer life insurance to people in your state (this is important because, as you should know, state laws cover different clauses, hence affecting your transactions). The state requires you to finish a 36-hour course (which can be finished in a span of one week through a class or through your own using approved study materials). It should be noted that health insurance agents also need to finish the same course and need to pass the exam. In order to pass, you need a 70 percent score. There is no limit to how many times you can take the test although, obviously, you wouldn’t want to take it more than once. Obviously, you really need to study. Once you get your license, you can apply for a job as an insurance broker. You can start as an intern if you are not confident with your skills.

But what do these have to do with becoming a successful life insurance broker? Basically, the importance is this: your training and knowledge will serve as your foundation in the industry. If you do not take your licensure exam and on the job training seriously, you will lack the skills needed to become a successful agent.

What it takes

So once an agent, what should you do to succeed? Since life insurance is, in essence, an offer you need to sell to people and since your reputation as an agent depends on how you deliver, you will require a set of traits you need to exemplify.

For instance, when offer life insurance, you need under promise. This way, your clients wouldn’t take it against when your offer doesn’t deliver the goods it should. However, you should exceed your promise to make it seem as if you did more than you should. Basically, the rationale here is this: when you promise to give three to a client and you were able to give three, you did nothing extra ordinary; however, when you promise two and were able to give two, it would seem as if you over delivered. The key here is trying to lower the expectation. With lowered expectations, you can overdeliver.
A successful life insurance broker also collects and expands his allies and connections. Connections can serve you many purposes. For one, they can give you referrals, which is a big part of your business. Without them, your potential clients will be minimal, making your business extremely hard. But connecting with other professionals in your field (and also those who are not) is beneficial in other ways too. It helps strengthen your business in ways you can never imagine—especially when you’re only starting in the business. No contact is irrelevant and useless. You should never burn bridges. This includes existing clients. Never think that an existing client’s purpose has already exceeded after a successful transaction. They provide you with referrals and, in some cases, even new business. In the life insurance business (or in the insurance business in general), you will need all the connections you can get.

The right attitude

The line separates a successful agent from a top agent is very thin and almost indiscernible. To be great, you need to exceed your effort beyond what can turn you successful.

For instance, as a life insurance agent, you need to be sincerely concerned about your clients. It’s not enough that you can provide them with what they need. Instead, you need to be passionate about your clients—and this will include knowing more about them, including their interests. Use the internet to know more about your clients, and try to fish information such as hobbies and similar facts. It adds an extra value to your service, and it makes the transaction more personal.

This is a great way to get passive referrals—yet another tool you will need to become a top broker. You will need passive referrals the most (because they require less work). And the only way to get this kind of referral is to become a better agent to your existing clients. Again, it’s a matter of being better than everyone. Say thank you, provide updates, follow up, greet them during special occasions—make your relationship more personal. After all, you and your client are human, and you respond to socialization and interaction. Great service plus a little personalized touch should be enough to make you better than some of agents out there.


A part of being a great life insurance broker is about the attitude—yours. Make sure you are on a much good mood generally; your general attitude can turn off clients. Minimize the news you read or watch (as bad news can get you down). Some agents suggest: do not end your day with a bad phone conversation. Make sure your day properly—with a smile. With this, you will become a much better agent, able to provide what is asked from you.

Being a successful life insurance broker or life insurance agent is a combination of great service and great attitude. With these two, you can never fail.