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What is the secret to effective prospecting?

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I’m an agent who’s “new again.” I worked as an agent for a while, got out for 10 years, and came back in two-and-a-half years ago.

I spend about 70 percent of my time selling health insurance, and I’m just getting into Medicare.

My question is: What is the best prospecting method for a new agent for health insurance? I’ve tried a lot of things, and I’ve wasted a lot of money and time.

Buying leads has been expensive, and networking seems to work slowly. I need to make sales now.