Results by "Michael Bonilla" in All categories

There is no such thing as a good deal for the wrong insurance policy. Yet, why is it that so many people have the wrong insurance? The biggest problem facing consumers in the insurance market is what? What is it? Consumers understand what they are paying for insurance, but they don’t understand what they are actually paying for. The reality of purchasing insurance in America is that people do not fundamentally understand what they are purchasing.

This study performed an analysis of the cumulative collision data for Autonomous Vehicles that are currently approved Deployment Permit Holders in California (Cruise LLC and Waymo, LLC). The analysis compared the publicly available safety data of relative conventionally driven vehicles in San Francisco, California and the United States (adjusted for underreporting of collision that do not involve fatality).

Insurance is a very unique product. It is the only product you purchase and hope to never use. The best case with insurance is that your rates go up every year, and you never even get to use it. If your agency is not growing premium every single year, odds are you might need to re-examine one or all of these things....

Struggling to meet your sales goals? Struggling to develop your life practice? Struggling to close life policies? Dealing with chargebacks when you shouldn't be? This audiobook might help. If you'd liked my other work this audiobook will blow you away. It's packed with questions, slick statements, and ways to deal with common life agent issues. I hope you enjoy the second and latest edition to “I Only Smoke When I Drink…”.

There's been a lot of talk recently about metrics and key performance indicators (KPIs). But, what does it all mean? Metrics can mean everything, or they can mean nothing. I know what you're thinking. "I started my insurance agency so I could pore through mounds of data and spend hours looking over spreadsheets," said no one ever! That's why I wrote the book.

When we are too close to a problem, the great picture often alludes us. New to sales and looking for some basic training? Are you a veteran to the industry and looking for some new material? Sales doesn't have to be some allusive and mysterious vocation. It's a learnable skill set. 

Struggling to close P&C sales? Tired of every client forcing you to compete on price, because someone saw a TV ad that promised free insurance? In this second edition I have put together closing tips, slick statements, qualifying questions, and rebuttals to help you drive value based sales conversations.

Struggling with objections? Having trouble overcoming objections? Looking for a system to tackle objections? In this short listen, I'll share what I've learned throughout my selling career. Objection handling is not some ancient mystical secret. 

Looking for some new life insurance sales insights? Struggling to move the dial on your sales? Find yourself on cruise control? Phone not ringing? In this second edition, I've packed new tricks, tips, and strategies to help you do just that...move the dial on your life business. Selling isn't easy, especially now in this time of hyper competition and insure-tech. 

Struggling to turn your agency into a business? This book was written for agents by an agent and with a slightly more academic slant than my other sales books. Most of this information is grounded in practical trial and error and backed by data and proven methodologies. I wrote this audiobook not for fun or for my health. I wrote this book out of necessity to transform my own insurance agency into an actual business. When I first applied for a small business loan through the EDC, I got an education really quick as to what I didn't know about what I didn't know.

When a marketing rep comes into your office or someone from the management team and tells you to "sell the value", how often do you find yourself rolling your eyes? As a former agency owner and now a consultant, I often find myself spouting the same slogan. Why? Because, I have done it and done it quite successfully. Whenever a rep came into my office and told me to sell the value of carrier X, I would think that’s something an expensive company would say or an overpriced company, because what else could they say?

In this second edition of How to Sell Annuities, you will find additional insight, tips, useful questions, and statistics to help you drive your practice. Creating this second edition, it was clear there was more I could contribute, and the resulting new edition should be a significant improvement over the first draft.  

In this second edition to How to Sell Indexed Universal Life Insurance, you'll find additional content, new systems, and easy explanations to help you understand how to potentially increase your IUL sales. If you're interested in learning more about indexed universal life insurance, give it a listen.

Struggling to meet your sales goals? Struggling to develop your life practice? Struggling to close life policies? Dealing with chargebacks when you shouldn't be? This book might help. If you'd liked my other work this book will blow you away.

What I've put together here is the most comprehensive sales audiobook for umbrella insurance - every aspect, from sales pitch, objection, rebuttals, etc. Umbrella insurance is a key component to building your book of business over time. Most agencies overlook selling umbrella insurance, but successful agencies spend the time and focus on density per household.

Are you thinking about getting into the insurance business? Already in it and need a refresher? Struggling to grow and find ways to sell on value? Having a hard time marketing or growing?

This revised version by Michael Bonilla, former insurance agency owner and broker, has packed this edition full of relevant information facing new and existing agents.

Our job as salespeople is to leverage our knowledge and identify possible solutions for consumers by demonstrating value via benefits. Often we forget the consumer doesn’t know what we know. Most consumers are looking for some guidance and direction. So whether you are new to selling or a seasoned pro, take it one step at a time. In this audiobook, we are going to cover everything from creating a sales process to prospecting.

Struggling coming up with marketing ideas to compete against billion-dollar direct writers? We are in an era of dramatic change and disruption in the insurance-services industry. If you're plan is to have a Yellow Pages ad and just hope people call...good luck. Hope is not a system. This audiobook is packed full of creative ideas and systems for marketing. Enjoy!

What if I told you there was a looming crisis brewing in America right now? Something no one is really talking about. It's a protection crisis and a pension crisis. Pensions are becoming rarer and rarer, and the pension that 50 precent of retirees rely on for 90 percent of their income might not be paying out after 2034. In this audiobook, we are going to talk a lot about the landscape of pensions and the ongoing challenges they face. Also, we are going to focus on a life insurance strategy called pension maximization using an indexed universal life insurance plan.

In this engaging practical audiobook I have put together some of the best practices I have learned during my time in the insurance industry. I've been a producer, agency owner, independent broker, securities principal, and consultant. Like all my books, this one is meant to be digested in a single sitting with no fluff. This audiobook focuses on the process with tips and tricks that I have learned.