Your public profile states that you are an Electronics Engineer. Have you changed jobs, or is this a second job? In any case, you need training in sales, specifically in the sales of life insurance products.
Challenges of Selling Life Insurance
Selling life insurance is one of the most difficult jobs (hence the high rewards). It is a product that the buyer has difficulty relating to because it cannot be touched, smelled, or seen. The benefits of owning such a product come after death, so it is actually of no use to the buyer. Therefore, the product can only be sold to those who care about their families and want to leave something behind to help them financially, and this is your USP (unique selling point).
Explaining the Benefits and Establishing Affordability
You must first explain to the buyer the benefits of the product, and then work out (with the buyer) how much premium they can afford after all their other commitments have been met. A common mistake is to sell at a higher premium so that you will get a higher commission, but all that happens is that the buyer will cancel because it is not affordable. This is why it is important to establish affordability.
Having said that, I reiterate that you need training. I hope the above helps.
Regards, Harsh.