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hi my name is david olemian host of the its about money radio show im also a life insurance agent a life insurance recruiter and a life insurance trainer today the question is closing techniques in selling life insurance well there are a lot of them but im going to cover something that i think is important you see life insurance is a tool and its a new tool that can be used for many different reasons so were sitting down with a prospect weve gotten to know them a little bit maybe used a fact finder and asked a lot of questions and weve uncovered say a type of problem whatever it is and weve decided that here is a tool that we can use that will solve this persons problem and make their life better what were really trying to do is help them so we get to that point and remember you do this every day as a life insurance agent the customer the client may not have ever done it before maybe its their first time buying life insurance and if they bought life insurance in the past how