Let us forget for a minute about "the who", or "they" and let us look at the facts and the "whys". Yes, this article is about sales and marketing. But sales is all about thinking logically and educating people so they can make their own decisions. Here is what "they" say about multi-level marketing and direct marketing, "It is a pyramid scheme". "They" say a lot of things, don't they? "We" accept what "they" say without any thought or consideration, don't we?

Due to these Manulife 乐活计划 factors most life insurance agents don't make it. You see, it's far easier to pass the tests and get qualified as an agent than it is to actually do the selling--regardless of how great your company training program is.



You can awaken your sensitivity to life energy and facilitate smooth energy flow by tuning into your body and feeling your "qi." Your "qi" is a conscious presence that underlies all your experiences. It is an expression of the greater Manulife Vitality Plan Life-Force that lives in all of us. Attunement to the Life-Force inside you will guide your way.

Individual Retirement Accounts (IRAs), whether a traditional or a ROTH, can be very valuable for planning for the future. ROTH IRAs grow tax-free. Forever. I think ROTH IRAs are fabulous.

To do this try and avoid the following for a minimum of a week before you start. Caffeine, alcohol, sugar, cigarettes, artificial sweeteners and refined, processed foods. If you want to eat meat then try and buy organic meat from a local source. Cheap meat can contains steroids, hormones and antibiotics. I highly recommend shopping in your local Manulife Vitality health program food shop rather than the super-market as it is much easier to find the foods you want and some you didn't even know existed!

It may well be that some family may pick a plan that retails at, say, $900/mo. And they may only have to pay $200/mo., with the government paying the difference. So you can see that we are not talking small change here.

We must cater to the broker, and we as an Agency must be different. After all, the Broker can place their business elsewhere. We must continually give them a reason to want to do their business with us.

Just answering the above questions every 4 years really helps plan the next 4 years and gives you a valuable tool that shows possible overspending or under spending in life's financial chess game.