Selling Life Insurance: An Agent’s Secret Struggles and Quiet Triumphs

Author: Miss Duckie

Two years ago, I was at the supermarket doing my grocery when I bumped into a former acquaintance. We talked for about 5 minutes and he asked where I was working. I said, “I work for PruLife UK”, “ Is this the Insurance company?” He asked. I nodded and said Yes. While talking to him, he slowly walked backwards and cut our conversation with a quick good bye. Poof! He disappeared into the canned goods section. I was left standing with my shopping cart. I smiled, shook my head, chuckled to myself and moved on. Wow! I was only a year in the industry and I already had the ability to repel people.

Some people are scared of the things they do not know and also of the things they already know. I should know, I was a victim of both . As a child, I jumped on a diving board into a 12 feet swimming pool without the thought of drowning. I knew that it was 12 feet deep but the consequences of the depth and the perils of drowning was far from my mind. Eventually, with much struggle, I was able to swim my way up to the surface. Ignorance is very expensive.

I believe in education so I studied the insurance industry. I learned that there are more than 50 products, but I could say there are only 3 main products with a lot of varieties. These 3 products could also be the solution to the 3 unforeseen events that can happen in each person’s lives. How do we prevent a financial problem in the future if (1) we die too soon, (2) live too long or (3) get sick along the way?

Let me summarize the answer into 3 categories:

1st Protection: My mom is a cancer survivor. Although this happened 8 years ago, I remember my dear mom as one of those patients who was unfortunate to be diagnosed with 4th stage cancer. I heard my mom cry several times after her radiation therapy. My mom wanted to die not only because of the excrutiating pain but because of the towering hospital expenses we had, or so I heard. My Dad on the other hand smoked continuously probably thinking where to get the money. I guess we were blessed to have relatives who generously donated some of their resources. Why am I sharing all of sthese? Well, if we had an insurance policy then we would have had a financial solution for medical bills without touching our savings or avoided debt at the mercy of our relatives. We would have a protection from depleted savings.

2nd Savings: I plan to visit the Holy Land in 10 years time. So I should put monthly savings for 7 years in our company while the projected interest rate is at 4-10% . If I get critically ill while saving, this fund won’t be taken away. I will be given money for my hospital bills while my savings remain invested in blue chip companies or government sectors.

The same thing applies to parents who want their children to study in a good school. They will set aside monthly savings so that it will hedge on the inflation rate and they will have the ability to withdraw the funds when the right time comes.

3rd Investments: Do you know that even when you have saved millions of Pesos in the bank and in the unfortunate event that the bank suddently closes, you will only receive 500k regardless of the amount of money you had stored? With the insurance company I represent, we can guarantee a return of 25% of what our clients have invested. They are also given the choice to assign their beneficiaries, not subject to garnishment and no one is allowed to touch their account even if their business has suffered a loss.

I have been in this industry for three years now. I never regretted the day I set foot in our company. I am confident that what I am doing is helping a lot of people save for their future. As a financial consultant, I make sure that my clients understand the product before they commit to it. I haven’t experienced my client getting critically ill. When my client enters retirement age, I will gladly serve them so that they can enjoy their retirement years comfortably.

To define Life Insurance : When a person dies (especially the family breadwinner ), insurance provides the finances to the family who were left behind so that they can continue on living . When a person becomes old, insurance provides them retirement money so that they will continue on living. When a person gets sick, insurance provides financial provisions so that they can get well and continue on living, all without having to touch their savings.

Our company takes the risk out of people’s lives. I am a tenacious insurance agent. My vision is to see people continue on living regardless of life’s ups and downs.


  1. I just got an insurance policy in this company and the only thing I regret is not getting a life insurance sooner. But it was still a blessing because the agent is a dear friend of mine and I have trust in her for providing me the chance to continue living if something happens to me


    • Thank you Rhine for your message. Your comment encourages a lot of people to not only get insurance early but it gives an agent more motivation to stick to the industry they love.


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