The Affordable Life Brochure with an entire marketing program to sell insurance was developed by William Randy Murray. The Affordable Life Brochure is simple and easy to read. Individuals find it convenient to read and make a decision to buy because the monthly rate is advertised.

This advertising brochure has changed how life insurance is marketed over the past 200 years of selling insurance. For the first time, agents can advertise and individuals will call to buy. Because of the Affordable Life Brochure more than 1,000,000 policies have been sold in the past fifteen years.

William Randy Murray was recently voted to the board of directors of the Insurance Economics Society of America and was appointed National Brokerage Director for Senior Life Insurance Company. William Randy Murray just finished his 11th book called “Bird Dog Marketing”. It sold over 10,000 copies for only $20 each and was written for insurance agents.

William Randy Murray works with the American Insurance Institute which is a life insurance marketing company. The American Insurance Institute has a lead system that works. Doing business with them will teach you how to find new customers without having to cold call.

The American Insurance Institute has been able to negotiate contracts with top insurance companies in the business which allows them to offer agents the top commission levels available. Agents are offered the highest street commissions in the industry in the first year along with annuities, renewals, vesting and the insurance company pays you directly.

The American Insurance Institute, in addition to the excellent commissions they are giving their brokers, they will work with you to stop wasting your time prospecting. The Affordable Life Marketing Program has proven to have generated business for more than twenty years.

In this program you can advertise with your advertising brochures on your local TV cable, advertise in your local newspapers, set up a booth at your area chamber of commerce sponsored events and this company will teach you how to build an agency.

One of the leading agents in the country selling final expense and burial insurance is Randy Murray. His companies do not require signatures and they will issue a policy for anything but AIDS, advances commissions on submission of application, and pays top commissions.

For added information or queries about American Insurance Institute please see them at www.americaninsuranceinstitute.org

Although it makes sense to get in touch with a life insurance company to cover your dependents in the eventuality of your untimely death, there are integrity issues surrounding the insurance companies and agents. Broadly there can be 3 ways your life insurance company is scamming you. We have enlisted them for your benefit.

Selling Coverage that you don’t need!
The insurance companies thrive on the fact that most people don’t understand their life insurance needs. With standard products, they try to sell you coverage that you might not need, but, which are lucrative for them. The insurance agents expedite the process so that you skip the fine print and sign up for a coverage that is ill-suited to your needs. The trick is to play on your fear factor and sell you heavy insurance, even if you don’t have dependents.

Coaxing you to pay ‘Cash’
We strongly suggest, do not pay your premium through cash to an agent. Further, do ensure that you get a receipt for the payment. There are numerous fraudulent entities posing as genuine insurance agencies that extract hard cash from you in lieu of insurance premium. They ask you to sign at blank spaces in a form, assuring you that it is just a formality. Once you have fallen for their trick, you are left without an insurance coverage. The worst part is that most victims only come to know of this scam, when they have met with some mishap and there is not insurance to cover them.

Luring you with benefits!
Insurance agencies and agents have a way of promising you unbelievable benefits out a life insurance policy. Life insurance agents might offer you plans, with a guarantee that the policy would run premium-free for a specific period. Some agents play it smart and offer you great discounts for signing you up for a new policy, while replacing an old policy. The trick is that the old coverage gets terminated and new coverage does not get initiated due to the cumbersome procedural bottlenecks. Thus, exposing you to risk without cover.

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