Why Most Life Insurance Agents Stay Broke (And 3 Ways to Fix It)

Samantha Aiko
May 28
2 min read

Why Many Life Insurance Agents Struggle Financially Despite Hard Work

Let’s be real — being a life insurance agent isn’t easy. You’re juggling phone calls, networking events, client onboarding, and trying to show up on social media. But even with all that effort, you still might feel stuck. If you’re wondering why the money’s not flowing the way it should, you’re not alone.

The truth? Most agents stay broke not because they aren’t working hard — but because they’re working hard on the wrong things.

Skulls arranged on a moss-covered wall in a dense green forest. Branches and ferns add to the eerie atmosphere. — A haunting collection of moss-covered skulls rest quietly in the dense forest, representing the theme of "dead leads."

Problem #1: They’re Relying on Dead Leads

Many agents are still recycling leads from years ago, hoping someone will finally bite. They’re spending time chasing cold prospects who ghost or say they "need to think about it." That kind of lead management burns time, drains energy, and kills momentum.

Fix It: Start using automated systems that bring in fresh, qualified leads. In a recent $32 ad test, one of our clients pulled in 5 hot leads in 24 hours. With the right strategy, your calendar can stay full without chasing.

People working on a creative project, cutting photos and writing notes on paper. Markers and magazines are scattered on the table. Bright setting. — Collaborative brainstorming session for a creative marketing plan, with hands-on activities and vibrant visuals.

Problem #2: They Don’t Have a Marketing System

Posting on social media isn’t marketing — it’s visibility. And visibility without a system won’t convert. A lot of agents post content without a funnel or follow-up plan, which means their audience isn’t moving anywhere.

Fix It: Use automation tools to turn likes into leads. Our AI tools and follow-up flows help agents go from content to calendar with clarity. It's not about being everywhere — it’s about being strategic.

Person in black stands on waterfront facing calm blue lake and distant mountains under cloudy sky, creating a contemplative mood. — Navigating the business world solo, overlooking vast possibilities.

Problem #3: They’re Doing Everything Alone

From cold calling to client onboarding, most agents wear every hat. That leads to burnout, inconsistency, and — yes — staying broke. If you're trying to scale a business by yourself, you're likely hitting a ceiling.

Fix It: Delegate what you can. Whether it’s an appointment setter, AI assistant, or automated onboarding — start building systems that work for you. Time is your most valuable asset.

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