Dialing for Dollars Podcast

Dialing for Dollars Podcast

Dialing for Dollars Podcast — we're talking life insurance, sales, and everything that happens between the first dial and the death benefit.

  1. 1d ago

    EP.22: New, Not Finished: The Reality of Becoming a Great Agent

    What does it really take to become a great life insurance agent? In Episode 22 of the Dialing for Dollars Podcast, Corey Mitchell sits down with Eric Andersen, a newer life insurance agent navigating the reality of building a career from the ground up. Eric shares the challenges of starting over, managing lead costs, getting enough reps, dealing with call reluctance, building confidence, staying consistent, and figuring out how to stay in the game long enough to get good. This conversation covers the messy middle of becoming an agent: low-quality leads, financial pressure, burnout, training overload, script execution, tonality, inbound calls, tracking numbers, personal development, accountability, warm-market conversations, and the importance of finding people who are further ahead and learning from them. The biggest message is simple: being new doesn't mean you're failing. You're learning, building reps, and developing the skills that eventually make you great. You're not finished. TIMESTAMPS00:00 – Welcome & meeting Eric01:17 – Eric’s journey into life insurance02:38 – Adapting to working from home04:31 – The reality of low-quality leads05:38 – Finding the right environment07:47 – Why new agents need community09:00 – Training vs. getting on the phone11:21 – Success in community, not isolation12:13 – Eric’s lead strategy14:06 – Commissions, cash flow & chargebacks16:19 – Consistency & call reluctance18:22 – Inbound calls vs. traditional leads21:20 – Tracking your numbers23:34 – Getting reps and learning the script26:16 – Corey’s early struggles28:12 – Anxiety and the nervous system30:54 – Using the script naturally34:38 – Avoiding training overload37:19 – Trusting the script38:52 – Discovery and difficult questions41:05 – Personal development42:47 – Protecting your mindset44:52 – Advice for brand-new agents46:41 – Find someone better and copy what works48:19 – Staying in the game49:27 – Creating financial stability51:19 – Pressure and providing for family52:25 – Why trying too hard can backfire54:13 – Referrals and warm-market conversations57:48 – Why selling to friends feels uncomfortable01:01:05 – Practice, confidence & belief01:02:29 – Mindset and helping people01:03:23 – It’s simple, but it’s not easy01:05:41 – Social media and building awareness01:07:33 – Final thoughts Follow us on Social Media!@DialingForDollarsPodcast on Facebook, Instagram, TikTok, and YouTubeEpisodes available on Apple | Spotify | Amazon Music | PodBean | CastBox | iHeartRadio | GoodPods Corey MitchellInstagram: @VictoryLifeWithCoreyFacebook: @VictoryLifeWithCoreyTikTok: @VictoryLifeWithCoreyYouTube: @VictoryLifeWithCorey Eric AndersenEmail: IamAndersen@gmail.com

  2. Aug 11

    EP 21 Underwriting Mastery with Trevor Tipton

    Corey Mitchell sits down with underwriting expert Trevor Tipton, who built an AI-powered underwriting tool used across his agency, to break down what separates agents who lose deals in underwriting from those who don't. Trevor shares his path from exiting a $10M business into insurance, the systems he's built, and the exact talk tracks he uses to get clients to disclose their full health history before it costs a sale.In this episode:Trevor's path from exiting a $10M business to becoming a top-writing life insurance agentHow his AI-powered underwriting tool works, and why building your own isn't realistic for new agentsThe difference between entering conditions vs. medications when evaluating a caseComorbidity stacking: how conditions like diabetes, COPD, and heart issues interact by carrierTalk tracks for getting clients to disclose their full health history, including the contestability periodWhy the cheapest carrier isn't always the best value (concierge riders, claims service, brand trust)Vetting a client's comfort with EFT and digital signing before choosing a carrierHow to handle sensitive topics like felony records, parole, and past declinesWhy "the why" has to come before the underwriting questionsAvoiding guaranteed issue placements when a client could qualify for moreCommon application mistakes new agents make and how to avoid themTimestamps: 00:00 Welcome Trevor Tipton 01:10 Trevor's background: exiting a $10M business and finding insurance 03:01 First year in insurance: from $5K to $300K written 04:41 Rebuilding after a business partner's bankruptcy 07:01 Why Trevor is systems and automation driven 07:55 Building an AI underwriting tool for the team 10:14 How the tool works: conditions vs. medications 11:34 Walkthrough: a 72-year-old diabetic client example 12:37 Bipolar disorder across different carriers 13:43 Diabetes types and carrier-specific rules 14:49 Dementia and guaranteed issue policies 16:26 Getting clients to disclose their full health history 19:06 The talk track: explaining the contestability period 20:10 Role-play: the "pinky promise" for honesty 23:43 Toolkits vs. the proprietary underwriting tool for pricing 24:00 Choosing a carrier: value and benefits over the cheapest price 25:19 Vetting a client's comfort with EFT and digital applications 27:05 Avoiding false positives and calculating comorbidity 28:08 Stacking separate conditions for a standard rate 29:03 Asking about parole, DUIs, and past declines upfront 30:51 Carrier waiting periods after a decline 31:13 Case study: a client labeled a "bad character" 32:15 Choosing a carrier based on company reputation 33:58 Shortening the learning curve: run more appointments 34:24 Real example: an A1C that crept over the limit 35:38 Why the "why" comes before underwriting 37:05 Avoiding guaranteed issue when a client could qualify for more 37:45 Application pitfalls and carrier-specific quirks 39:40 Building rapport before asking invasive questions 40:29 Phone vs. Zoom for client meetings 41:41 Where to find Trevor Tipton 43:06 The RV lifestyle and why Trevor chose insurance 44:25 Building out health, life, and retirement verticalsFollow us on Social Media! @DialingForDollarsPodcast on Facebook, Instagram, TikTok, and YouTube Episodes available on Apple | Spotify | Amazon Music | PodBean | CastBox | iHeartRadio | GoodPodsCorey Mitchell Instagram: @VictoryLifeWithCorey Facebook: @VictoryLifeWithCorey TikTok: @VictoryLifeWithCorey YouTube: @VictoryLifeWithCoreyTrevor Tipton Built Different Financial Group Instagram: @Trevor__Tipton Tik Tok: Trevor_Tipton Facebook & LinkedIn: Trevor Tipton

  3. Aug 4

    EP.20 Getting Technical with Annuities with Thal Martin

    Corey Mitchell sits down for a second time with annuity expert Thal Martin to go deep into the technical side of annuities. They walk through real client scenarios covering participation rates, cap rates, taxation, underwriting, and long-term care riders, showing why annuities demand a level of expertise most agents haven't developed yet.In this episode:Why annuities aren't regulated as securities, and the risk the insurance company takes onHow participation rates, cap rates, and floors work togetherSuitability vs. best interest: uncovering a client's real needs before recommending a MYGATax mistakes agents make when a MYGA maturesHow life insurance, wills, and trusts fit into the annuity conversationUnderwriting on annuities, including long-term care facility questionsCase study: a 70-year-old with $300K in inherited non-qualified moneyQualified vs. non-qualified money and the IRS's 10-year inherited IRA ruleRMDs and how insurance companies calculate required withdrawalsChoosing between carriers when premium bonuses and cap rates differLong-term care riders vs. income doublers, and the licensing difference between themCase study: a 52-year-old with $400K in a rollover IRA weighing accumulation vs. income annuitiesWhen staying in the market might still make senseTimestamps: 00:00 Welcome back Thal Martin 01:08 Recap: earning while you learn through joint annuity work 02:15 Why annuities aren't regulated as securities 04:01 Participation rates and cap rates explained 06:14 Suitability vs. best interest 06:57 Client case: MYGA vs. a longer-horizon annuity 12:42 Why new agents default to 5-year MYGAs 15:24 Tax mistakes when a MYGA matures 17:25 Wills, trusts, and life insurance in the annuity conversation 20:09 Do annuities bypass probate? 20:36 Underwriting questions on annuity applications 22:16 Case study: $300K inherited, non-qualified, 70-year-old client 26:03 Cash comfort and liquidity for older clients 30:07 Inherited qualified money and the IRS's 10-year rule 32:18 RMDs and required distributions 33:21 Choosing which carrier and product to recommend 35:31 Comparing premium bonuses vs. cap rates 38:52 Long-term care riders vs. income doublers 42:40 Building urgency around long-term care needs 43:27 Real client story: the cost of skipping final expense coverage 48:14 Case study: $400K rollover IRA, 52-year-old, 12-15 years to retirement 53:23 Accumulation vs. income annuities: which to choose and when 58:02 When staying in the market might still make sense 1:03:00 Final thoughts on knowing your client 1:06:09 Where to find Thal MartinFollow us on Social Media! @DialingForDollarsPodcast on Facebook, Instagram, TikTok, and YouTube Episodes available on Apple | Spotify | Amazon Music | PodBean | CastBox | iHeartRadio | GoodPodsCorey Mitchell Instagram: @VictoryLifeWithCorey Facebook: @VictoryLifeWithCorey TikTok: @VictoryLifeWithCorey YouTube: @VictoryLifeWithCoreyThal Martin Instagram: @insurancemoneymovesservices @ThalSmithMartin

  4. Jul 28

    EP.19 Step Into the Person You Need to Become to Win in Sales

    Corey sits down with mindset coach Jerry Emeka to unpack why activity alone doesn't create sales results, and why who you're being matters more than any script or call volume. Jerry explains why most affirmations fail, how your identity gets set between ages 0-7, why the top performer in your office seems to cut through resistance like a hot knife through butter while everyone else is sawing bread, and the process he uses to help agents and business owners rewire their default state. Corey opens up about his own struggle staying consistent with affirmations, doubting his plan when a few days pass without a sale, and how phone sales expose exactly who you're being the moment there's resistance on the line. If you've ever done everything right and still felt stuck at the same result, this conversation on identity, the reticular activating system, and imagination as a business tool is for you. Timestamps:00:00 Intro00:25 Welcome Jerry Emeka to the show01:08 Only 8% of life insurance agents last a year01:32 The apple tree metaphor: identity vs. desired outcome02:22 You don't get what you want, you get who you are03:00 Why top performers cut through resistance like a hot knife through butter04:09 How ages 0-7 wire your identity and your ego's job05:28 Internal actions create external results06:00 Is belief alone enough to hit the top 8%?06:57 Stop waiting for proof, start being it now08:24 Does your identity in one area leak into every area?10:19 Two millionaire friends, two totally different lifestyles11:56 Success is defined by who you're being, not a number12:26 Corey's own struggle redefining his hours and his version of success14:02 Why change can feel "elusive"14:53 Slowing down to locate a feeling in your body17:10 The reticular activating system, explained18:29 Shifting attention from doubt to the feeling you want20:29 Why gratitude and stress can't coexist21:16 How stacked frustrations spiral into "screw this"23:00 Corey's dialing story: more activity, same flat results23:58 Noticing your "autopilot" default state25:37 Choosing your ideal state 3-4 times a day28:17 Journaling, visualization, and inner dialogue techniques29:59 Why replaying an old argument feels so real31:13 Using vivid memories to anchor a winning state33:04 Imagination shapes reality more than logic does35:35 Why people fall back into old patterns by day four36:18 How long it actually takes to build a new "autopilot"37:51 Corey asks: why do I keep ending up back at square one?39:21 Corey's old morning affirmation routine41:54 Reframing affirmations as reminders, not requests43:28 A simple exercise: just be, then choose the feeling45:33 Why vain affirmations burn people out46:30 Being in your ideal state 51% of the day47:34 Corey's realization: he has more control than he thought48:35 How phone sales expose exactly who you're being49:12 How to work with Jerry Emeka50:33 Wrap-up Follow us on Social Media!@DialingForDollarsPodcast on Facebook, Instagram, TikTok, and YouTubeEpisodes available on Apple | Spotify | Amazon Music | PodBean | CastBox | iHeartRadio | GoodPods Corey MitchellInstagram: @VictoryLifeWithCoreyFacebook: @VictoryLifeWithCoreyTikTok: @VictoryLifeWithCoreyYouTube: @VictoryLifeWithCorey Jerry EmekaWeb: https://www.jerryemeka.com/Instagram: @human.imaginationEmail: jerry@jerryemeka.comClick below to get on Jerry's calendar for a free 30 min consultation. https://calendly.com/jerryemeka/tea-time-with-jerry

  5. Jul 21

    EP.18 Why Most New Agents Quit (and How Not To)

    Most new insurance agents quit in their first year — not because they can't sell, but because nobody warned them how the mental side of this business actually works. Corey sits down with fellow snipers Joe Vigil and Brett Shepard to talk imposter syndrome, comparison, rejection, and what actually keeps agents in the game. TIMESTAMPS00:00 Intro – welcome Joe Vigil & Brett Shepard01:05 Brett's path: healthcare, home health agency owner, to life insurance05:44 Joe's path: warehouse work to insurance since 201708:59 Do you ever question if you're in the right industry?12:05 "Get rich for sure," not "get rich quick"12:42 What keeps you going when failure is staring you down15:01 Learning not to take rejection personally16:35 Joe's door-knocking story and a hard lesson in empathy18:00 Overcoming the first objection ("call me back")18:36 Failing forward vs. actually failing19:43 Why agents assume everyone else has it figured out20:38 Social media, comparison, and the highlight reel22:31 Celebrating other agents' wins23:34 Imposter syndrome and "acting like an advisor"26:15 The character-switch: why top producers seem like different people on calls30:32 Comparison is the thief of joy30:59 Boring, repetitive reps and building subconscious confidence32:21 Confidence, paid leads, and practicing on the clock33:50 The $50K agent who quit anyway35:08 Finding your "why"36:03 Burning the boats — no plan B37:21 Tracking activity and getting paid fast39:23 Knowing when to switch lead sources or strategies41:39 Age leads, AI dialers, and inbound — Corey's own pivots43:59 Stacking skills: life insurance to LTC to Medicare to annuities48:09 Rejection vs. a bad outcome — what's the real difference49:10 Describe your worst week50:25 The post-good-week slump52:15 Advice if you haven't sold anything in 30 days53:20 One habit to build immediately54:02 Memorizing the script vs. understanding the framework54:29 Listen for who they are, not just what they say55:51 Lightning round58:20 One habit to quit58:34 60 seconds to talk a new agent out of quitting59:08 Where to find Joe and Brett Follow us on Social Media!@DialingForDollarsPodcast on Facebook, Instagram, TikTok, and YouTube Episodes available on Apple | Spotify | Amazon Music | PodBean | CastBox | iHeartRadio | GoodPods Corey MitchellInstagram: @VictoryLifeWithCoreyFacebook: @VictoryLifeWithCoreyTikTok: @VictoryLifeWithCoreyYouTube: @VictoryLifeWithCorey Joe Vigil https://planenroll.com/?purl=Joseph-VigilJoe's favorite quote comes from the Bible: Proverbs 24:30-24 Brett Shepard 815-296-0029

  6. Jul 7

    EP.16: Scaling Your Agency w Whitney Denton

    Thinking about building an insurance agency? In this episode, Corey Mitchell sits down with Whitney Denton, Director of Operations for Sniper Insurance, to discuss recruiting agents, agency licensing, onboarding systems, compensation structures, roll-up debt, leadership responsibilities, and what it really takes to scale an insurance organization successfully. Whitney shares practical advice for agents considering agency ownership, explains common mistakes new recruiters make, and reveals the systems and processes used to help agents become profitable faster. 00:00 Introduction01:27 Whitney's insurance journey05:00 Building a team vs. staying a producer05:35 Agency licensing explained07:55 Responsibilities of an upline10:17 Recruiting strategies that work15:01 Screening and interviewing agents18:53 Roll-up debt and agency risk22:28 Financial realities of agency building26:23 Overrides and compensation30:10 Agency owner compensation31:39 Producer vs. agency track34:25 LOA explained39:45 Tracking agent progress41:15 Important performance metrics42:40 Motivation and long-term success44:21 Should you build a downline?50:23 Connect with Whitney50:54 Closing thoughts Follow us on Social Media!@DialingForDollarsPodcast on Facebook, Instagram, TikTok, and YouTubeEpisodes available on Apple | Spotify | Amazon Music | PodBean | CastBox | iHeartRadio | GoodPods Corey MitchellInstagram: @VictoryLifeWithCoreyFacebook: @VictoryLifeWithCoreyTikTok: @VictoryLifeWithCoreyYouTube: @VictoryLifeWithCorey Whitney DentonInstagram: @LifeWithWhitney@The_CaydenSanchez (click the link in bio)

  7. Jun 30

    EP.15: How to Get Started in Retirement Planning w Thal Martin

    Retirement Planning for Insurance Agents: How to Cross-Sell Annuities Without Becoming an Expert | Thal Martin | Dialing for Dollars Podcast EP. 15 Most insurance agents never tap into the retirement planning market because they think annuities are too complicated. In this episode, Corey Mitchell sits down with retirement planning specialist Thal Martin to break down annuities, retirement income planning, and how final expense agents can identify retirement opportunities without becoming annuity experts overnight. Thal shares his unique journey into the insurance industry, why he started with annuities instead of life insurance, common annuity misconceptions, strategies for protecting retirement assets, and how agents can work with specialists to serve clients while creating additional revenue streams. Whether you're a final expense agent, life insurance producer, or someone planning for retirement, this episode provides practical insights into building safer retirement strategies and understanding today's annuity marketplace. 00:00 - Introduction & Meet Thal Martin01:05 - How Thal got started in annuities03:15 - Why he chose annuities over securities05:35 - Biggest misconceptions about annuities08:15 - Different types of annuities explained13:57 - MIGA vs CD: Which is better?16:34 - Income annuities vs accumulation annuities20:46 - Income riders and common mistakes29:29 - Product mistakes new annuity agents make34:14 - How much retirement money should stay liquid?35:27 - Assessing retirement risk correctly42:47 - Joint work: Learning annuities while you earn43:51 - How final expense agents can find annuity opportunities54:00 - Building trust with retirement clients01:01:56 - Lead generation and prospecting strategies01:05:08 - Personal branding and social media01:12:41 - Cross-selling retirement assessments01:15:31 - Rapid fire annuity questions01:16:16 - Most underrated annuity product01:17:01 - Most overrated retirement strategy01:18:04 - Biggest annuity myth01:20:04 - Best advice for new annuity agents01:22:05 - How to connect with Thal Martin01:23:01 - Closing thoughts If you're looking to add retirement planning conversations to your existing life insurance business, this episode provides a practical roadmap for getting started while serving clients the right way. Follow us on Social Media!@DialingForDollarsPodcast on Facebook, Instagram, TikTok, and YouTubeEpisodes available on Apple | Spotify | Amazon Music | PodBean | CastBox | iHeartRadio | GoodPods Corey MitchellInstagram: @VictoryLifeWithCoreyFacebook: @VictoryLifeWithCoreyTikTok: @VictoryLifeWithCoreyYouTube: @VictoryLifeWithCorey Thal MartinInstagram:@insurancemoneymovesservices@ThalSmithMartin

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Dialing for Dollars Podcast — we're talking life insurance, sales, and everything that happens between the first dial and the death benefit.

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