I am Life insurence agent I want to learn effective ways of selling Life insurence policies to middile class families?

In selling Life Insurance to a middle class family you need to ask;1. Do they need Insurance2. What type of Insurance do they need e.g. life/health/car3. Their Financial Status. I think this is the3 questions that i think best to ask yourself as an agent before offering because I am part of the middle class so there are things that are most important than getting insurance if it is not needed. Go to their needs before wants coz in the end even if you talk and talk they will just listen without understanding what you are offering and sometimes if your persistent they will take it very offensive and tacky.