Work, work, and some more work. Try out the search function on the forum, I think you will find a plethora of good information. By the way welcome to the forum. We are glad to have you here.
get orphan policyholders { I used to work at mutual, they have a great list of orphans} if the client has enough life ins, tell them about disability income - and vice versa. Mutual is a good company. If you have a good mgr, let them show you, let them train you, learn from them...