Referral Program... Give Me Referrals and I Will Pay You and Your Favorite Charity!

Check out my fabulous 10/5/3/1 referral! Here's how the it works:

All you have to do is refer me to a potential insurance client...

• Individuals or businesses in San Diego County, CA
• Any business with more than 10 employees within 100 miles of 92122
• Any business within the state of California with more than 20 employees
• Any business within the United States with more than 40 employees
• Not sure how many employees a company has? Just refer them anyway and I'll do the research for you

... that would be interested in life insurance, disability insurance, dental insurance and catastrophic illness insurance and let them know that I will be contacting them about their insurance needs. If they sign up for a plan through me, my referral program will reward you with 10% of my upfront commission as soon as I am paid it (I usually get paid within 2 business days of closing the account) and then at the end of the year, I will send a check for 5% to your favorite charity.

(Notice: With this referral program, you must contact your referral before I contact them and warm them up by letting them know that I will be contacting them about a service that "will build employee loyalty to their organization while, at the same time, save them money on their payroll taxes without costing them anything." I highly recommend that you do not mention "employee benefits" or really any more than that one line other than maybe telling them that you signed up as well because many business owners have misconceptions about supplemental insurance. Most are resistant to even allow me to make my 15-20 minute presentation to them when they hear "supplemental i nsurance" but 80% of business owners opt to offer it to their employees after the presenation. I will not call them before two business days have passed after you submit their lead to me. If your referral tells me that they were not expecting my call, you will not receive your commissions although I will still donate to your charity. Therefore, do not forget to warm up your referrals; it is absolutely critical to our combined success.)

But that's not all when it comes to my referral program! If anyone that you refer to me gives me a referral that signs up for an insurance plan, then I will pay you 3% of that upfront commission and give 1% of that upfront commission to your favorite charity at the end of the year.

So, what types of clients am I looking for through this referral program? My main focus is on small businesses with five to twenty employees although I also write policies for individuals and larger companies. Really, no person or business is too small or too big for me to service with utmost diligence and the best, most affordable life insurance, disability insurance, dental insurance and catastrophic illness insurance.

To give you an idea of how much I would pay you for your referrals through this referral program, normally, 80% of business owners that I meet see how the supplemental insurance plans that I offer can help their business and their employees. Therefore, they agree to make them available to their employees. Out of all employees, about 70% sign-up for these products. The average employee purchases $550 in insurance per year and I receive 17.5% of that amount as an upfront commission.

Refer me to ten businesses with ten employees each and you would receive around $539 and your favorite charity would receive around $269 through this referral program. In addition, these numbers are based off my usual prospecting methods. I truly believe that with your personal referral, I will see closer to 90-95% of business owners agree to offer supplemental insurance to their employees. That would equate to around $640 for you and around $320 for your charity.

But that's not the end of it when it comes to my referral program! Like I said, if your referrees refer me to 10 others (and this is not uncommon at all) then I will pay you 3% of those upfront commissions and give 1% to your favorite charity. Assuming that the same percentage of businesses and employees sign up as above, you would receive an additional payment of around $1920 and your charity would receive another donation of around $640.

Again, I want this insurance referral program to be profitable for both of us as well as your favorite charity.

Notices: 1) The numbers used here are examples only and do not predict future results. My commissions vary so I reserve the right to change this arrangement at any time. 2) Because California law makes it illegal to offer rebates for insurance, this offer only applies to individuals or businesses that you refer. You will not be paid a referral fee for signing up yourself, any business that you own or any corporation at which you hold a VP title or higher. 3) If you are an employee of a business and you refer the business owner or company, you will receive payment.