Millionaire Insurance Producer

Charles Specht
  • 4.8 (40)
  • ENTREPRENEURSHIP
  • UPDATED WEEKLY

Hosted by Charles Specht, the Millionaire Insurance Producer podcast is the top podcast for insurance producers who want to quote less and win more often. Charles was a producer with a $1,000,000+ Book of Business, before starting a consulting company working directly with insurance buyers. Charles understands what your prospects both want and need and will give you the tools of how to package your services in such a way that your prospects will fire their current agent and sign your Broker of Record Letter…during the very first appointment!

  1. Don't Play "Pat-A-Cake" with Your Commission Check

    6D AGO

    Don't Play "Pat-A-Cake" with Your Commission Check

    Too many insurance producers are playing Pat-A-Cake with their insurance careers. They're not taking seriously the need to focus, to get prepared, to see what works and pivot as needed, etc. They're just wingin' it, throwing mud against the wall to see what sticks. But you don't want to play Pat-A-Cake with your commission check. In this episode, host Charles Specht explains what both producers and agency leaders need to do to get serious about winning in order to build a $1,000,000 or more Book of Business. ---------- PS --->>> The next cohort of the "PERMISSION PRODUCER SCHOOL" will be starting on February 16, 2026. Find out more information by visiting: www.PermissionProducerSchool.com You won't want to miss out on this one! Key Topics: Playing Pat-A-Cake with prospecting, scripting, and career shows up in your commission check Winging it without researching carriers, appetites, and competitors is patty cake business Why prospects say no: you failed to articulate your value compared to your fee Recording yourself prospecting reveals where you lose attention and energy in your script Agency owners can't afford to let producers wing it when hiring costs too much Creating cold call scripts, one-liners, and differentiation statements eliminates amateur behavior What no really means: you haven't helped them understand the value of moving forward yet Tracking social media and email analytics helps dominate your space instead of guessing Permission Producer School teaches how to dominate with broker of record letters and full marketplace exclusivity Reach out to  Charles Specht Visit: Permission Producer School Permission Network Produced by PodSquad.fm

    20 min
  2. Convincing Your Prospects to Only Get Quotes from You

    FEB 2

    Convincing Your Prospects to Only Get Quotes from You

    In this episode of the Millionaire Insurance Producer Podcast, host ⁠Charles Specht⁠ discusses the challenges insurance agents face in prospecting and securing exclusive access to markets. He emphasizes the importance of understanding the insurance buyer's perspective, the necessity of Micro-Niching to stand out, and the common issue of agents presenting only one quote in their proposals. Charles advocates for positioning yourself as a "multiple quote option producer" to build trust and ultimately win clients' business through exclusivity. TAKEAWAYS: Prospecting can be frustrating when clients seek multiple quotes. Insurance buyers often don't understand the process or the agents. Micro-Niching helps agents stand out and build trust. Agents should present multiple options to clients. A strong marketing summary is crucial for success. Positioning is key to winning clients' trust. Clients prefer agents who show them multiple options. Understanding the client's perspective is essential. Agents need to change the perception of their role in the market. The Permission Producer School offers valuable training for agents. Moreover, the next cohort of the "PERMISSION PRODUCER SCHOOL" will be starting on February 16, 2026. Find out more information by visiting:⁠ www.PermissionProducerSchool.com⁠ You won't want to miss out on this one! Produced by ⁠PodSquad.fm⁠

    30 min
  3. Things Highly Successful Insurance Producers Do (and don't do)

    JAN 19

    Things Highly Successful Insurance Producers Do (and don't do)

    There are definitely things that the most highly successful insurance producers do in order to ensure victory when selling insurance. Some are easier than others, but almost all of them can be done by new(er) producers as well. If you want to build a $1,000,000 or more Book of Business, you need to begin implementing these things the most successful producers do. What are these things, you ask? Well, that's what host ⁠Charles Specht⁠ will teach you about in this podcast episode. Moreover, be sure to check out ⁠www.PermissionProducerSchool.com⁠ as the next cohort will begin on February 16, 2026. Go to ⁠www.PermissionProducerSchool.com⁠ to learn more and get registered for the upcoming cohort for producer school (virtual sales training). And, be sure to pre-register before all of the spaces are gone. Happy prospecting! Key Topics: How successful producers generate business through referrals and centers of influence instead of cold prospecting Why top producers only work through broker of record letters and never blind quote The importance of being micro-niched to know which carriers you need to be competitive Pre-qualifying accounts by calling underwriters before meetings to avoid wasted time and market blocks Three essential guardrails for the quoting process: securing markets, defining savings thresholds, and preventing quote sharing Using the Broker Of Record letter request in first meetings to measure relationship strength ⁠Permission Producer School⁠ training for building a million-dollar book through the permission sales framework Reach out to  ⁠Charles Specht⁠ Visit: ⁠Permission Producer School⁠ ⁠Permission Network⁠ Produced by ⁠PodSquad.fm⁠

    33 min
  4. If You Offer Quotes To Non-Clients, Do This First!

    12/15/2025

    If You Offer Quotes To Non-Clients, Do This First!

    I know you probably work only on signed BOR ... right? Well, sometimes you might be tempted to offer quotes to a prospect (aka: Non-Client; someone who doesn't trust you yet) who won't sign the BOR over to you. Should you still work on that account and offer a quote, or should you push the "pause button" and try again next year? Well, it all depends on whether or not you can get the prospect to give you three things first.  In this episode, host Charles Specht shares what three things you should do in order to increase your Quote-to-Bind rate by other 25% or more. Give a listen, subscribe, and let Charles explain. And, visit our newly updated website at: https://permissiongroup.com Key Topics: Why second place in insurance sales pays zero commission The three critical things you must secure before offering any quote How to demand exclusive access to the carriers you need to compete Getting objective commitments on what you must accomplish to win the business Why prospects must agree not to share your numbers with other agents How agents lose 20-30% of business when prospects share quotes behind their backs Why it's your fault, not the insured's, when you get used in quoting The reminder system that reinforces commitments throughout the sales process Why insurance buyers prefer one trusted agent but don't know how to choose How agency leaders can boost profits by requiring BOR letters over blind quotes Reach out to  Charles Specht Visit: Permission Network Produced by PodSquad.fm

    30 min
  5. The Two Careers of an Insurance Producer

    11/13/2025

    The Two Careers of an Insurance Producer

    No doubt you were hired to sell insurance. But did your agency leadership make you FIRST prove that you can prospect to set appointments? I would suspect probably not. And, that's why so many insurance producers fail and don't make it -- or at least why they don't make enough money. They are good at relationship building and closing business, but they just can't set enough appointments. In this throwback episode of the Millionaire Insurance Producer podcast, host ⁠⁠⁠Charles Specht⁠⁠⁠ will talk about what you need to start saying in order to set more new business appointments with your prospects. After all, prospecting is a numbers-game but selling insurance is a relationship-game. Key Topics: The dual careers in insurance: prospecting versus selling insurance. Why poor prospecting skills often lead to failure and how to fix them. The importance of a defined process for setting appointments. Overcoming objections like gatekeepers and timing issues. Crafting simple, relatable messaging to connect with prospects. Balancing numbers in prospecting with relationships in selling insurance. Refining prospecting skills or outsourcing to avoid stagnation. Reach out to  ⁠⁠⁠Charles Specht⁠⁠⁠ Visit: ⁠⁠⁠Permission Network⁠⁠⁠ Produced by ⁠⁠⁠PodSquad.fm⁠

    28 min

  6. 11/10/2025

    Set More Appointments and Win More BOR's

    Check out:⁠⁠⁠ https://permissiongroup.com/permission-producer-school/⁠⁠⁠ Imagine setting twice as many new business appointments with your prospects, tripling your win percentage, writing more accounts, writing larger-revenue generating accounts, and winning most (all?) of these new clients by signed Broker of Record Letter, rather than going through a normal quoting process. Sound to good to be true? Well, it's not. It's exactly what I teach and train my Producer clients to do. And, in this throwback podcast interview, host ⁠⁠⁠Charles Specht⁠⁠⁠ will tell you what the one thing is that you need to do FIRST in order to make all of this come true. Key Topics: The importance of choosing a micro-niche  How a focused niche helps create effective scripts, marketing, and branding Aligning your niche with your carriers' preferred markets for better results Examples of agents succeeding by specializing in unique industries Why focusing on fewer, high-value clients is more effective than spreading too thin How micro-niching increases trust and helps you secure more broker of record letters Avoiding the trap of dabbling by fully committing to a niche for greater success Reach out to  ⁠⁠⁠Charles Specht⁠⁠⁠ Visit: ⁠⁠⁠Permission Producer School⁠⁠⁠ ⁠⁠⁠Permission Network⁠⁠⁠ Produced by ⁠⁠⁠PodSquad.fm⁠

    20 min
  7. Success Comes AFTER You Become Disgusted With Yourself

    09/15/2025

    Success Comes AFTER You Become Disgusted With Yourself

    Are you disgusted yet? Yes, disgusted! But, disgusted with your own personal sales results, more specifically. I mean, at the end of the day, nothing will get better until you become disgusted enough with the results you've been getting that you then implement change and do something different. It really is that simple. Building a $1,000,000 or more Book of Business through a signed Broker of Record Letters is really that simple. That hard, but also that simple. In today's episode, host ⁠Charles Specht⁠ will explain to you the "buckets" you should be most concerned about, and how to know what to change and by how much. Moreover, the next cohort of the "PERMISSION PRODUCER SCHOOL" will be starting on October 6, 2025. Find out more information by visiting:⁠ www.PermissionProducerSchool.com⁠ You won't want to miss out on this one! Key Topics: Why real change only comes after you’re disgusted with the status quo The “bucket” exercise to identify what’s holding back your sales success How wasted prospecting time drags down commissions Shifting from quoting to winning signed broker of record letters The danger of shiny-object syndrome and constant indecision Why producers settle for small accounts instead of leveling up How outside influences differ from true self-motivation Applying the “disgust test” to every area of life and sales Redefining your micro-niche for a book of business that truly works Details on the upcoming ⁠Permission Producer School⁠ and how it can help build a $1M book Reach out to  ⁠Charles Specht⁠ Visit: ⁠Permission Producer School⁠ ⁠Permission Network⁠ Produced by ⁠PodSquad.fm⁠

    32 min
  8. The One Thing That Will Guarantee (or sidetrack) Your Sales Success

    09/08/2025

    The One Thing That Will Guarantee (or sidetrack) Your Sales Success

    Having coached Producers over the last fifteen on how to sell insurance, there is one main factor I see as the primary indicator of whether or not that Producer will write a lot of new business commission this year ... or struggle at merely hitting their goals. What is that one thing? Well, that's what host ⁠Charles Specht⁠ will share on today's episode. But .... it's not just about telling you what it is. He'll also teach you how to fix it and how to fix it fast! PS: The next cohort of the Permission Producer School will be taking place the week of October 6th. For more details visit:⁠ www.PermissionProducerSchool.com⁠ Key Topics: The one factor that separates successful producers from struggling agents Why your success rises and falls on the maturity of your prospect list Common pitfalls: weak prospecting, wrong account sizes, and poor timing The four critical data points every matured list must include Why 800–1200 prospects should be your target list size The danger of wasting time on accounts that are too small—or too big How building a robust prospect list can double or triple your sales results Why agency owners cripple producers when they don’t provide mature lists The step-by-step path to creating a prospect list that guarantees sales success Details on the upcoming cohort of the Permission Producer School Reach out to  ⁠Charles Specht⁠ Visit: ⁠Permission Producer School⁠ ⁠Permission Network⁠ Produced by ⁠PodSquad.fm⁠

    33 min
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4.8
out of 5
40 Ratings

About

Hosted by Charles Specht, the Millionaire Insurance Producer podcast is the top podcast for insurance producers who want to quote less and win more often. Charles was a producer with a $1,000,000+ Book of Business, before starting a consulting company working directly with insurance buyers. Charles understands what your prospects both want and need and will give you the tools of how to package your services in such a way that your prospects will fire their current agent and sign your Broker of Record Letter…during the very first appointment!

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