Replacement Tips for New Agents

I am sure this has probably been covered, but I talk to a lot of agents that need help with this, so I figured I would give a few tips and let the other experts give some more tips!!!

Let's say you go in a house and they have a policy they got 1 year ago from Bankers Life. It is 50.00 for 10k. You can get the client 20k for 50.00. There are a few steps you need to take to make it happen.

First of all, DO NOT DOWN BANKERS LIFE (OR OTHER COMPANY)! These seniors don't know all the ins and outs like we do. Congratulate them for the decision to get life insurance in place! Then explain
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