Here's a typical e-mail or direct mail letter, with reply link or form:
Dear Ms. Carman:

Is your financial security, including your present life insurance, exposed to economic uncertainty? If your planning was done in the conventional way, the answer might be yes!

Let's assume that your spouse is to receive an income of less than $8,000 per month in the event of your death. Assume an annual inflation rate of 3 percent. Ten years from now, over $10,750 per month will be required to maintain the same standard of living the $8,000 was intended to provide. One of the services we offer is a "Financial Checkup," so this type of shrinkage is addressed.

Don't you think you owe it to your family to get more information about this process?

To do so, just click here to reply (or drop the pre-addressed card in the mail). You'll receive a booklet, which describes the work we do and the process we use. There's no obligation of any kind.

Sincerely,

Alfred Barton, CLU

Try this! Using a variety of sources, build and use lists of names you can download into your contact system. Schedule at least 10 to 20 e-mail or snail mail letters a week, then follow up by phone with both repliers and non-repliers. With respect to this e-mail, be mindful that there are Federal and State laws that impose requirements and limitations on sending unsolicited commercial e-mail (i.e., the Federal CAN-SPAM Act). It is your responsibility to be knowledgeable about and comply with such laws.

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