In your opinion what is the most difficult area of insurance to sell? I think everything has its place depending on where you live, work etc but life insurance has a stigma of not being needed which makes it difficult to sell

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Anything outside of Term is probably a hard sell. Term is the only “true” insurance product, the rest are mostly tax optimization products that most average people don’t need.

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If you end up in a situation where you had to take a loan against your policy, you should not be getting the policy in the first place ( I.e., it’s not for you)

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