Information About IUL/IBC and FEX

What every agent needs to know about our IUL IBC leads

with D. White

D. White stresses realistic expectations—no lead source is perfect. Call leads immediately and treat conversations as educational, not sales-driven. Clients will have questions, so being knowledgeable is key. While some close quickly, others need time—patience and education lead to long-term success.

Agent Lead Lab - The negatives of IUL leads

with Nicole

Nicole highlights that a 30% close rate is strong for leads. She prefers direct contact before booking appointments, as self-booked ones often have lower commitment. A suggestion for improvement is ensuring the date of birth is included in lead details to streamline the process

IUL vs IBC, the key difference

with Brandon

Brandon emphasizes the importance of hearing from agents actively selling, rather than just relying on his perspective as a business owner. He introduces an agent who has been successful with IUL/IBC leads and asks what makes these leads different. The agent highlights that the clientele is financially better positioned, looking for ways to grow and protect their money rather than just finding the cheapest policy.

Agent Lead Lab - What is the IUL closing percentage

with Giessen

Giessen breaks down realistic expectations for IUL leads, emphasizing that they require a different approach than final expense leads. Out of 133 leads, he contacted 57, closed 28, and has 7 pending, totaling 35 potential deals. He stresses that IUL clients are more like business owners—busy and financially

savvy—so agents must approach them differently. Unlike final expense, where urgency is high, these clients need education and trust-building. He advises agents to recognize this distinction early to maximize their results.

How Facebook IUL Leads Are Made Simple w/ Darin White

with Darin

Darin stresses that IUL leads require a conversational, educational approach rather than a script. Out of 100 leads, he contacts about 50, sets 20 appointments, and closes a solid percentage. His follow-up includes automated texts, voicemails, and persistent calls. He advises agents to be patient, focus on education over sales, and manage expectations—these leads take time but yield strong results.

How to get 5 10 IUL IBC referrals per lead

with Brandon

Brandon emphasizes that many IUL leads come from small business owners, first responders, and professionals who have money but don’t know how to maximize it. These individuals naturally refer others once they see the benefits, often without being asked. He stresses that financial success doesn’t always equal financial knowledge, so agents shouldn’t feel intimidated. Instead, they should focus on educating clients about how IULs serve as a financial tool. Referrals happen organically when people

understand the value of building their own financial security.

How to learn more about IUL IBC before getting started

with Somia

Somia advises new agents to educate themselves on IULs through YouTube and books. She emphasizes that self-learning is key, as IULs and annuities require deeper knowledge than traditional insurance. She personally researched these topics early on because she knew she wanted to specialize in them. With IULs gaining more attention recently, she encourages agents to take the time to learn, as the resources are readily available.