Insurance prospecting ideas - marketing and selling

Let's talk a little about health or life insurance prospecting ideas and what you should expect and how to prospect in the proper manner. In any well thought up plan I highly suggest having at least three marketing schemes operating simultaneously to assure a plentiful amount of leads you can prospect too. The three I would recommend or will expand on is Circle of Influence, Business to Business and Telemarketing.
The number one thing you should never do, do not attempt to sell. In fact I suggest never selling; it does seem counterproductive but let's look at several factors that will lead most to failure. Here we have to have some honesty and inner reflection. I'm not sure about you but myself, I feel depressed when I attempt to convince someone to do business with me! I can attempt the 10 No's to get 1 Yes. I can go in and keep talking and bringing up points on why they should do business with me, yet even if I'm successful it feels like I worked hard for so little at the end of the day, in other words there is more to success than just the dollars received. This is what I consider the emotional drain that leads many to leave the selling world for greener pasture. I've known more then a few seemingly successful people in various sales positions that left stating it just wasn't worth the emotional drain.
I have in my prospecting simply changed my attitude; I'm not looking for sales but likely prospects that show interest in my product. That is likely why I have a low "lead" result per prospecting campaign. Yet my leads turn into sales at a ratio of about 50% plus, which makes my efforts worthwhile and I position myself as a Consultant not a Salesperson yet it is the same thing in all aspects except for the emotional package. I'm simply doing work for them not attempting to sell them anything! In the first prospect contact, if I'm selling Health or Life Insurance that day I ask them what they expect, once they tell me that, I ask for a commitment that if I meet their expectations, will they purchase. Now this only works if you are totally honest and you have total expectation that they are honest, if not get out, don't waste your time! In other words do not fall into the adversarial trap. That reflects the correctness of your health or life insurance prospecting ideas.