How It Works
Step 01
Your Call Starts
Spear connects to your call. Whether you're selling IUL, term, or whole life — it's listening from the first word.
Step 02
Spear Reads the Room
It identifies your prospect's DISC personality, tracks your NEPQ phase, and catches every price, spouse, timing, and trust objection word for word.
Step 03
You Get the Edge
The right question, the right reframe, the right close appears on your screen instantly — before the moment passes.
Core Features
Live Objection Detection
Spear catches the four objections that kill 80% of life insurance sales — price, spouse, think about it, and timing — the moment they're spoken. You get the ideal NEPQ response before you even finish processing what they said.
DISC Buyer Psychology
Every prospect is profiled in real time. Whether your prospect is a skeptical C-type who needs numbers or a loyal S-type who needs safety and family protection, Spear adjusts its coaching to match how they think.
NEPQ Phase Guidance
Spear tracks all 7 NEPQ phases from connection through close. If you're pitching before they feel the problem, it tells you. If you're skipping consequence questions, it flags it.
Real-Time Coaching Cards
Suggested questions, reframes, and responses appear on your screen mid-call — timed to the conversation, not delivered after it's too late.
Talk Ratio Monitor
A live indicator shows your agent-to-prospect talk ratio. If you're over 40%, Spear surfaces a prompt to stop talking and ask a question.
Post-Call Report
After the call ends, Spear generates a full coaching report: NEPQ phase scores, DISC profile, objection log, talk ratio, top 3 strengths, top 3 improvements, and your one focus drill.
For Agency Owners & IMOs
Most chargebacks don't happen because the product was wrong. They happen because the agent oversold, rushed the close, or never truly qualified the buyer. Spear coaches agents to sell the right way — so clients stay paid up.
68%
of chargebacks tied to poor needs analysis in the first call
2.3x
higher lapse rate when agents skip consequence questions
40%+
chargeback reduction reported when NEPQ is executed correctly
Why chargebacks happen
How Spear prevents them
Agent Retention
The number one reason new agents wash out isn't work ethic — it's that nobody tells them what they're doing wrong before it's too late. Spear gives every agent the coaching they need to survive the learning curve and build momentum.
$18,000
Average cost to recruit, onboard,
and lose a single agent in year one
Industry estimate based on recruiting,
training, and lost production costs
New agents get scored on every call from day one — not just the ones their manager happens to hear
Spear identifies struggling agents early — before they quit or get released
Personalized drill plans give new agents a clear path to improve, not just generic training
Agents who can see themselves getting better week over week stay in the business
One tool replaces hours of manual call reviews for agency owners
Without Spear
With Spear
Keep your agents. Close more deals.
416
Objections Caught This Month
34.8%
Avg Close Rate
$238,400
Revenue Influenced
Based on Spear demo data — your results will vary based on call volume and execution.
You're a fit if...
What changes:
Pricing
One closed deal pays for months of Spear. Pick the plan that fits your operation.
Agent
For the solo producer grinding to close more.
Agent Pro
For agents who want to compound their skills week over week.
Team
For agency owners who need visibility across their whole team.
Enterprise
For IMOs and large agencies deploying at scale.
All plans billed in USD. Cancel anytime. Enterprise pricing based on seat count and contract term.