Before you sign the contract
The agent has a script.
Now you have a plan.
Know what to ask. Understand what you’re being told.
Decide for yourself whether the conversation is worth continuing.
Considering any type of life insurance? Read this before you fill out a lead form or talk to an agent.
Term, final expense, whole life, or IUL — know the sales tactics before the phone rings.
Before you trust the pitch,
know what to listen for.
A message from a former life insurance agent. Video placeholder for this draft.
01 Written from industry experience
02 Plain words, not insurance jargon
03 No insurance sold here
REAL POLICIES, REDACTED
These policies were sold for someone’s benefit.
And it wasn’t the client’s.
Every screenshot below came from an IUL sale at an agency I worked for.
When someone closed a policy or got paid on one, it was posted in the agency chat. I captured 182 of those sales in about 15 minutes of scrolling.
What you’re looking at is the premium each client was sold.
The “Amount” shown is the annualized premium. Divide it by 12 and that is roughly what the client is paying each month.
These were not accumulation-focused designs built to maximize cash value for the client. They were Express IULs built with larger death benefits, higher policy costs, and much stronger commissions for the agent.
That is the problem.
The client was being sold on cash value and accumulation, while the policy design was working against that goal.
What does that mean for the client?
More of the client’s premium goes toward insurance costs instead of cash value.
So the agent can get paid well while the client ends up with a policy that is worse at doing the thing they were sold on.
Real sales posts from agency sales chats. Names, agencies, lead sources, and photos removed.
Know what to ask before yours gets written
your side of the call.
Actual kit shown. Lesson content hidden.
WHAT YOU'RE GETTING
Protection for your side of the call.
You don’t need to become an insurance expert before the phone rings. You do need something that exposes the sales tactics agents use to sell you a policy that may not be what you actually need.
BEFORE THE PHONE RINGS
Go in knowing what matters to you.
Get your priorities on paper and get familiar with the conversation ahead. The kit gives you a place to start before someone else starts steering.
Included: your pre-call worksheetWHEN THE PITCH STARTS
Understand the sales techniques before they are used on you.
Inside the PDF are sales techniques that agents will use on you, I guarantee it. After reading through the PDF, instead of falling victim to any of these tactics, you will be able to recognize them for what they are, and have the upper hand in the conversation.
Included: 11 tests and a call scorecardWHEN IT'S YOUR TURN TO CHOOSE
Leave with understanding, not a signed contract.
With this guide, you will be able to make sense of the conversation and carefully decide if what is being presented deserves a closer look. A convincing sales presentation is NOT proof the policy is right for you.
Included: after-the-call guidanceWHY I MADE THIS
I used to be on
the other side.
I used to sell life insurance, mostly final expense and term. Then I saw an opportunity to make more money selling IUL, and even though I had never heard of it before joining the new agency, I took it.
Within a couple of weeks, I realized what they were doing was incredibly deceitful. Somehow, everyone there was still preaching that they were doing right by the clients.
When I started asking questions, they hosted an “advanced IUL training” the next day. The person running it said, “Don’t sell IUL unless the client can afford at least $100 per month.”
The very next day, I watched that same person praise someone for closing an IUL at $45 per month.
It disgusted me.
So I decided to do something about it.
BEFORE YOU SIGN
Walk into the call knowing what to watch for.
Walk away knowing whether the policy deserves your money.
Use the kit before, during, and after the conversation.
- Know the questions to ask
- Recognize the sales tactics
- Make sense of the answers
- Decide without being rushed
One payment. No subscription.
Get Before You Sign — $4922-page kit • Instant access • Yours to keep
THE CALL-TESTED GUARANTEE
Use it on a real call. If it doesn’t help, get your $49 back.
Use it on any life insurance sales call. If it doesn’t help you spot a sales tactic, dodge, or evasive answer, get your $49 back.
Read the full conditions
- Within 30 days of purchase, use Before You Sign during a real life insurance sales call.
- Before recording, get clear consent from everyone on the call. Follow the recording laws that apply to you and the other participants. Do not record without the required consent.
- Use the questions and tests that apply to the conversation and complete the scorecard.
- If the kit did not help you spot a single sales tactic, dodge, or evasive answer, reply to your receipt email with your recording and completed scorecard.
If you meet these conditions, I’ll refund your $49. Outside this guarantee, all sales are final because you receive the full digital kit after payment.
Your recording is used only to handle your refund and is deleted afterward unless you give permission to keep it. For a download problem, reply to your receipt email for help.
A FEW THINGS TO KNOW
Before
you get the kit.
No jargon. No fine-print surprises.
Do I need to know anything about insurance?
No. The kit is written in plain language, with questions you can use on the call and cues to help you make sense of the answers.
Is this telling me not to buy IUL?
It’s a way to look more closely at the sales conversation, not a personal recommendation to buy or avoid a policy. A passed test is not an endorsement of the agent or the policy.
What do I get, and how do I get it?
A 22-page PDF with a pre-call worksheet, call scorecard, 11 screening tests, and next-step guidance. After payment, you’ll receive a download link. Read it on your phone, tablet, or computer, or print a copy.
I already have a call booked. Can I use it?
Yes. Download it, read it before your call, and keep the scorecard beside you. You don’t need to finish a course or book an appointment with us.
What if I already signed?
The kit includes after-the-call guidance, but it is primarily designed for people who have not yet bought a policy. It is not a personalized policy review.
Can I get a refund?
The Call-Tested Guarantee is conditional, not a no-questions-asked refund. It requires using the kit on a real call within 30 days and sending your consented recording and completed scorecard if it didn’t help you spot a trick or dodge. Read the full conditions before purchasing.
Is this financial or insurance advice?
No. It shares Garrett Downey’s opinions from his experience in the life insurance industry. It is educational material, not personal financial, insurance, tax, or legal advice. PolicyDoctor does not sell insurance.
Reforming the industry by educating
consumers, not agents.