An Open Letter To Insurance Agents About the 3-Phase Fully Covered System

This is the 3-phase Fully Covered System that our agents are using to close 70+ home and auto insurance leads per month without having to buy them.

I’m about to ‘pull back the curtain’ on this thing – and reveal our unique process.

You’ll see why it has created so many success stories in the insurance industry.

But before I do, it makes sense to give you a little backstory on who helped create it…

Because, here’s the thing:

It would be impossible for an insurance agent to create the Fully Covered system, alone.

It HAD to be created through a partnership between insurance agents and a marketing expert.

Reason being…

You need to have spent millions on lead generation before you had enough data to formulate something like this.

There are a lot of guys out there claiming to be experts.

But only a few who have spent enough on ads to justify that claim.

Bobby Stocks is at the forefront of the online lead generation industry. He was one of the three partners who helped create the Fully Covered insurance system.

He’s generated over 100,000+ leads for as little as $3-$5 a pop for his students and clients.

And he continues to crank out 7,000 leads every single month. Even supplying companies like Lending Tree and Zillow.

He was the mastermind behind the ad section of this system.

Angelica Guajardo is the sales ninja who developed the repeatable sales process to close up to 90% of these leads.

And then there’s me…

My name is Nato Guajardo, and I took all of this and put it on steroids by building an iron-proof referral network that generates up to 70 hot, high-converting referral leads every single month.

Some of our students have been implementing these strategies and seeing over 90, high-quality, long-form exclusive leads every single month.

Here's a snapshot of some of the results we are getting from the Fully Covered Insurance System

results of the 3 phase Fully Covered system

Fully Covered System insurance lead generation results

online lead generation using Fully Covered System

referral partners generating leads for mortgage brokers fully covered system

I wanted to sit down and write this open letter to you.

Pulling the curtain back on how we’re getting these sorts of results.

So you can make an intelligent decision on if this is right for you or not.I encourage you to read it entirely.

The reality is the insurance industry is getting more competitive by the year.

Here’s a snapshot from Statistica with total people employed in the insurance industry.

As of 2017 there were over 1,135,000 employees.

Statistica figures - people employed in the insurance industry

And you can see the number has steadily increased year over year.

Even the Great Recession did little to put a dent in the total number.

Now, those aren’t just agents.

Those are admin staff as well.

But, it does indicate the agencies that are doing well are hiring and scaling their businesses.

And eating up more of the market in the process.

In short, the insurance industry is more saturated than ever. And it will continue to get worse.

Plus…

Everyone is chasing the old way of doing business.

Chasing after shared leads
Going to networking events
Begging potential referral partners to spare them a lead or two

Just pounding the pavement, and hustling in every direction.

We call these people “Pavement Pete’s”. It’s like being stuck in quicksand.

It doesn’t matter what you do, how hard you hustle, you make zero progress.

And are left exhausted, burnt-out and frustrated.

The real problem is there’s nothing to distinguish Pavement Pete’s from each other.

They look the same to every lead, prospect, client and referral partner.

To them they think…

Why should I do business with them?
Why should I send them a referral?
What makes them special?

But, how can we separate ourselves from the “me too” insurance agents out there?

You have to be different. You have to work smarter.

Not only does this separate you from the pack.

The fact nobody seems to recognize this problem…

Means you can easily rise to become one of the top 5% of agents in your entire area.

And whether you decide to use the Fully Covered system to do so is up to you.

Either way, I want to make sure this open letter helps you make the right decision for your business.

Here's a detailed breakdown of...

The exact 3-phase system we’ve developed that took us from $0-$1,000,000 in premiums in under 12 months.
How 187 students (and counting) took this system, and literally copy and pasted it into their businesses to see similar results.
How we create up to 100 lay down deals every single month without touching our ad budget.
The key things to avoid so you can implement this system for yourself.
Plus, how myself and students have locked down high-quality referral partners every month… while other insurance agents show up to their office with coffee and doughnuts every month begging for referrals.

In fact, Jason Kilgo, one of our students actually had an LO breakoff his referral relationship with a State Farm agent to work with him exclusively.

Simply because of the quality and volume of leads he was handing his partner every single month.

Now Jason is warming up to pitch a room full of LO’s to build an army of referral partners to hand him lay down deals.

Anyway, I’m not going to stop there…

Everyone polishes up the good parts of their system, while sweeping the bad under the rug.

Not how I roll.

So I’m going to share the bad with you as well.

Showing you what it really takes to make this work.

I’m even going to tell you about one student who saw zero results with our system, and demanded a refund.

How many people are willing to tell you those things?!

One last thing before we get started…I want to value your time.

Know that this system is for professionals that take their business seriously.

You will have to invest money into advertising, and also invest time to get it up and running.

So if that’s not for you. Exit out of this letter.

The good news is, if you’re willing to put in the investment and time…You can stop pounding pavement… for good.

You can stop:

Awkward networking
Dropping off doughnuts to “referral partners” once a month who pay you with the empty promises of leads
Going to local events to meet and “get known” in the community

Look, don’t get me wrong…

If you enjoy doing those things. That’s great.

You can simply add this Fully Covered system into your business to amplify your results. And start generating a predictable flow of home and auto insurance leads.

Without interfering with any other part of your business.

The choice is yours.

Alright…

So how did we get so lucky and discover this system?

Well, when my Wife Angelica and I founded our insurance agency…

We were struggling…

We were “Pavement Pete’s” through and through:

Buying shared leads that were garbage and had been contacted a million times.
Dropping off enough doughnuts to referral partners to kill a pig… never to receive anything in return.
Going to events to get “known” in our community and hoping we’d secure clients.

You know what happened?

Nothing.

Completely discouraged, we began looking to the internet as a last ditch effort.

We saw all these people getting results with these various insurance lead generation systems.

So we ended up buying a course…

No results.

We bought another course…

No results.

The cycle continued for months…

And all we had to show for it was less money in the bank, and a handful of garbage leads.

(In some cases the leads were even worse than the shared leads).

We realized the problem with these courses is they’re always full of theoretical ideas.

But, we don’t live in a world of ideas. We live in a world of hard data.

It works or it doesn’t work.

Or the course would tell us to go out and build referral relationships.

Which is great… if you have something of value to offer those referrals.

We didn’t.

Honestly, I was getting ready to throw in the towel.

Then I saw an ad from Bobby Stocks.

Just the amount of results he had gotten, and his openness about what it takes to make it work made me think he was different.

We decided we had nothing to lose and jumped in.

Before long, the leads started flooding in.

Which was no surprise to Bobby.

He generates thousands of leads a day for his clients.

But it immediately changed our entire business.

We were no longer Pavement Pete’s…

Pounding the Pavement trying to stir up business at every corner.

We had discovered a new, leveraged source of leads that came in every single day, no matter what we were doing.

Whether it was…

Helping our existing clients
Closing more deals
Or even just taking a day off!

… the leads still came in like clockwork.

It was a new way of doing business.

Then I started doing something that even made Bobby’s ears perk up.

I had figured out a way to bring on referral partners…

That weren’t just referring high-quality lay down leads to me.

They were PAYING for the leads to come in. So I never had to go out of pocket.

Even Bobby was impressed.

He mentioned the idea of partnering up and packaging this system to show other insurance agents exactly what we were doing.

But, as an in-the-trenches insurance agent myself…

I had a few key criteria on creating this insurance lead generation system:

It had to work for agents who work in the most regulated agencies, like State Farm, AllState, Farmers etc. I didn’t want an agent to be left out.
Every insurance lead generation system had to be rigorously tested by us first… no testing our “theoretical funnels” with our students money. I had been burnt by too many people doing it to me.
It had to easily slot into any agents/agencies system, so it didn’t interfere with their current business systems.

Bobby agreed.

So we sat down and packaged it up into…

The 3-Phase “Fully Covered” Lead Gen and Referral System

Phase 1 of the fully covered insurance system

Phase 1: How do you do it?

Step 1. You give it the exact data that it needs to find your perfect prospect.

Step 2. Create a specific website flow that gives the prospect what they want. Which leads to increased conversion. Telling Facebook their audience likes what you’re selling them.

Then Facebook’s AI works with you to find the prospects that are most likely to convert, and only serves your ads to them.

That way Facebook is giving the user what they want at the perfect time. And not pissing off the rest of their market.

Bobby figured this out through $1.5 million dollars in ad spend last year just testing and learning how to work with the AI.

Now the rest of the market is trying to swipe what he’s doing.

In fact, a 12-year digital marketing veteran, who also generates leads for insurance agents and brokers, openly admits he rips off what Bobby is doing because it’s so effective.

Unfortunately for the copiers, the online space is moving so fast, Bobby is always 2-steps ahead and pioneering what’s working now. Not 3 months ago.

I’ll tell you some pitfalls to watch for if you decide to do this yourself…

But first let’s jump into what Phase 2 looks like.

Phase 2: Referral Partnerships & Cross Selling

Here’s where Bobby started to take notice of what WE were doing.

Again, the biggest problem with referral partnerships is agents aren’t giving anything of value.

EVERYONE is coming in with coffee and doughnuts.

EVERYONE is promising to give them leads if they come in.

To the referral partners, they’re just another “Pavement Pete”.

They all look the same.

We knew we had to do something different. So while we were using Bobby’s system to generate all these home and auto insurance leads for ourselves.

We thought…

What if we plug this in and start generating leads for mortgage brokers?

We tried it, and started calling up mortgage brokers with 10 hot leads in hand and would say, “Hey, you want these?”

Nobody said no.

But, here’s what you do…Just give them a little taste. Don’t chase after them asking what they thought.

Once they see how easily the leads convert they immediately come back to YOU! This positions you as the person in control of the partnerships.

When this happened, I made a deal…I’d keep giving them leads if:

They paid for all the ad spend.
They referred those leads back to me once they needed insurance.

It worked perfectly.

But, I didn’t stop there. I went out and started finding more brokers to partner with.

Because all it took on my side to produce more leads, was to pump more money into the lead gen campaigns I had already built.

Specifically, their money.

Then they refer those leads they paid for back to me.

Why?

Because we control the leads.

If they want to keep getting those high-quality leads, they need to abide by the terms we set up.

And they’re happy to do it.

It becomes a, “don’t bite the hand that feeds you” scenario.

So to recap…

Generate high-quality leads for your referral partners with your lead gen system by using THEIR money for ad spend, so you never go out of pocket.
Get them to refer those leads back to you when they need insurance services.
The leads become lay down deals because they’re high-quality from the moment they fill out the online form, then they’ve become a “buyer lead” through your referral partner, lastly all trust barriers are knocked down as they refer you as the trusted source for insurance.
Rinse and repeat the entire process by bringing on more referral partners, and using their money to scale.

With this system our students see roughly 5-7 referrals per month from their partners.

Set out to lock down 10 of them. And you’ve got 50-70 lay down deals coming in the door every month.

Of course leads mean nothing…

So Angelica nailed a repeatable sales process that ended up closing up to 90% of these leads. Which is perfect for cross-selling and closing sales.

That’s an average of 45 to 63 closed deals every single month.

So many people get lost in thinking it’s all about the leads. But it’s still all about the sales.

Make sure to get your scripts dialled in and don’t be afraid to test new approaches on your calls.

Alright, so once you get phase 1 and phase 2 dialled in…

It’s time to let it do all the work through automation so you can focus on doing what you enjoy.

Phase 3: Automation

If you can tell, we have a strong aversion to operating as “Pavement Pete’s”.

So we do everything we can to use leverage in our business.

There’s no greater leverage than automation.

Honestly, with Phase 1, once it’s up and running, the Smart Form/AI technology pretty much does the work for you.

Generally we have to go in and refresh our copy about once every 6 months.

Once it’s churning out leads, it just becomes a matter of pumping more money into it.

But, searching for referral partners is still too much like a “Pavement Pete” kind of job.

So I developed a software that automates the entire process of finding referral partners.

The software reaches out to potential referral partners, with pre-scripted communication to open the conversation.

Then has them book a time in your calendar.

So you only speak with partners who want to speak with you.

Even the positioning of having them book a time in YOUR calendar sets the tone for the conversation.

You’re not walking into their office begging for referrals.

They’re booking a time to speak with you. A small difference, with a major influence on your results.

Actually…

One of our students, Ben Feldman, said that while he did love the lead-gen portion of the Fully Covered System…we are actually doing people a disservice.

Because sure…the lead generation system is great, but it’s the automation section that really helped him free up his time.

And we don’t talk about automation much until you are actually inside the program. (It’s not a sexy topic.)

10,000 Foot Overview

Alright, so we’ve covered a lot!

I’ve put together an image of how it all fits together below.

phase 2 of the fully covered System is to have referral partners pay you to generate high quality leads for them

Honestly, despite all the moving parts.

The results are simple and powerful.

Using the 3 Phase Fully Covered System you can…

Go from closing a few deals a month to closing 10-20 in a snap with high-quality, long-form insurance leads.
Easily land referral partners by handing them red hot leads (instead of doughnuts).
Add an additional flow of 50-70 “lay down” deals every month, handed to you from your referral partners… that they paid to acquire.
Systemize and automate 99% of your business, including lead gen, and finding the perfect referral partners.
Finally, separate from the “Pavement Pete’s” and become apart of the top 5% of the industry.

How to do this 3-Phase Fully Covered Lead Generation System for yourself

I want you to know that you CAN do this yourself.

So I’m going to give you a few things to consider before going out there and start throwing good money after bad.

Phase 2 & 3 of the Fully Covered System are dead in the water without the lead generation system on the front-end. So make sure you have a good, predictable source of high-quality leads coming in the door. Or else your referral partners won’t stick around.
Be prepared to spend money testing in Phase 1. It all comes down to having the bank roll to test different elements to see which landing page, ad, form layout etc. works better.

So be patient

Here’s a few examples of real world changes that dramatically affected conversion rates.

One word on a sales page increased conversions by 200%.
Changing just the format of a form (same questions) increased conversion by 40%.
Moving a form “below the fold” (the opposite of what’s taught) increased conversions by 302%.

It’s the difference between $3 leads and $200 leads.

Lastly, if you’re doing this yourself, you’ll want to set aside about $10,000 over the next few months to test.

Heck, like I said, Bobby pumped $1.5 million into testing last year.

Which actually brings me to why I feel the Fully Covered Lead Generation System is so beneficial.

Bobby’s already done all the testing for you.

He already knows what words to use, where to place the form and how to structure it to increase conversions.

Saving you from the lengthy and expensive testing process.

It’s so thorough and detailed, that all you actually need to know to make this work is how to “Copy & Paste” on your computer.

And that’s why insurance agents decide to join us instead of doing it themselves.

I want to be clear before we move forward.

This is NOT a magic bullet solution.

This only generates the leads, and automates a large portion of business to give you more time and leverage.

You still have to have people skills to build and get the most out of your relationships.

Whether to close leads, keep clients or establish referral partnerships.

Look, I’m not here to twist your arm.

In fact, if you sent me an email right now saying, “Nato, I’m ready to sign up, here’s my credit card details!”…

I wouldn’t even accept it.

I have to know we can help you.

We need to know…

Where you are in your business/career?
What type of commitment you can make?
If it’ll even work in your area?

That’s why we don’t even expose the price of the program until we know you’re the right fit.

Yet, what I can tell you is…

You’re in the perfect spot at the perfect time…

Bobby has pioneered this space and gotten the arrows in his back. I came in and proved it worked.

And now dozens of students have come in and done the same.

But, you still have the opportunity to be an early adopter.

You can come in, use a proven system and establish those referral relationships before anybody in your area has even caught wind this system exists.

This is an extremely rare, blue ocean opportunity sitting in front of you.

Giving you the opportunity to get in, establish those referral partnerships and get a permanent competitive edge.

Because I can promise you, once you’re handing those leads over to your referral partners, it doesn’t matter if someone comes knocking on their door with the same system.

They’re not going to risk a good thing.

Now…

You have 3 options in front of you:

Keep pounding pavement like “Pavement Pete”. And let your competitors find this opportunity and starting moving in on your territory.
Hire an agency to do this for you… that may get you results. And pay $1,500-$2,000/per month PLUS ad spend, and hope they get you leads.
Or you can book a 30 minute call, see if you’re a good fit for this program. Where you’ll learn how to become one of the top agents in your market, automate 99% of your lead gen process and lock down loyal referral networks who send you 50-70 high-quality home and auto insurance leads per month.

The choice is yours.

But I do want you to know that we are aggressively advertising this system all over the nation.

So your competition will eventually hear about this, and may sign on as one of our students.

I encourage you to take action now.

Click Here To Book Your Breakthrough Call With One Of Our Coaches

To your success,

Nato Guajardo

P.S. I almost forgot to tell you about the guy who went through our training systems and wanted a refund.

Well, we looked over everything and guess what? He had missed a few training calls, and hadn’t gone through all of the material.

So I’ll tell you what I told him…

This isn’t a push-button solution.

It’s a system that’s built off of $1.5 million dollars in testing.

That you get access to so you can copy and paste it into your business to start generating high-quality leads.

That’s it. The system only works if you do. If you’re the kind of guy/gal who’s not afraid to get their hands dirty, book a call.

Click Here To Book Your Breakthrough Call With One Of Our Coaches

Alright, so right now you may be thinking how long this call is gonna be for. My suggestion is for you to budget 30-45 minutes. But, if for whatever reason you realize this isn’t for you, even if it’s just 5 minutes into the call, feel free to say “Hey, this isn’t for me.” and we’ll end it right there.

No hard feelings.

Like I said, I’m on your side. I want to make sure you make the right decision for your business.

If you’ve read this far, I think it’s fair to say you’re interested.

There’s nothing worse than sitting there wondering if this will work for you.

So book a call at the link below, and we can tell you if you’re a fit within 30 minutes.

Look forward to hearing from you.

Click Here To Book Your Breakthrough Call With One Of Our Coaches

The Fully Covered System: Close 70+ Home and Auto Insurance Leads per Month

This is the 3-phase Fully Covered System that our agents are using to close 70+ home and auto insurance leads per month without having to buy them.

Here's a snapshot of some of the results we are getting from the Fully Covered Insurance System

But, how can we separate ourselves from the “me too” insurance agents out there?

Here's a detailed breakdown of...

Not how I roll.

But, we don’t live in a world of ideas. We live in a world of hard data.

The 3-Phase “Fully Covered” Lead Gen and Referral System

Phase 1: How do you do it?

Phase 2: Referral Partnerships & Cross Selling

So to recap…

Phase 3: Automation

10,000 Foot Overview

How to do this 3-Phase Fully Covered Lead Generation System for yourself

You have 3 options in front of you:

P.S. I almost forgot to tell you about the guy who went through our training systems and wanted a refund.