life insurance prospecting

How do you generate health, life insurance leads effectively.?
Is it worth buying your leads instead, and there are some good materials teaching self out there in prospecting and closing sales?
Try these sites: http://www.lifeleadsdirect.com/ or http://www.healthleadsdirect.com/ You can browse your database and "hesitation" that leads to meet their criter. When you register, you may receive e-mails about potential customers as they become available in your area. You can check the potential lead – M / F, age, height, weight, how much insurance they have, much like, what kind – And decide whether to buy or not. If you have more budget, go to: http://www.ileads.com/ a little more money will be provided in real time has collected from its network of websites, "erased" for accuracy, and forwarded directly to you. You can also set its parameters with them. If you have a "bad" Lead – which may not contact for some reason – to replace him.