Global Insurance Group is committed to passing on useful sales tools to our agents. The best sales tool in my opinion is the buyers guide for consumers available for a nominal fee from the National Association of Insurance Commissioners. Every sale should go hand in hand within the guidelines of the NAIC. I am giving everybody the link to the NAIC:
http://www.naic.org/store_pub_consumer.htm#life_guide
I encourage you to utilize these guides to educate your clientele on all insurance products.