One of the biggest mistakes we make as a salesperson is failing to ask our client or prospect to buy from us. I believe this is because the average insurance producer  doesn't know what their job is. Often I find my agents wanting to provide a service and they believe that service is to help a client shop and provide them options. However the truth is if your agency is the best place for your client to be protected and provides a very high level of service your job is to show them that they need to be represented by you no matter what carrier they choose.
Think about it. If you really wanted to take your crush to the dance would you send them an email with a list of attributes about you and hope they see those as good qualities? Would you leave it to chance?
Things about Me:

• I’m 5’10”  but can be taller with shoes if needed.
• I know how to slow dance and will not embarrass you on fast dances.
• I will never do the sprinkler unless thats your thing
• I will pay for dinner and tickets to the dance
• I will have you home by midnight

I look forward to hearing from you. If you have any questions let me know. 
No of course you couldn't handle it that way. You would go straight up to them and say. I really like you and have been interested in spending more time with you. Will you go to Homecoming with me?
Its the same thing with your prospects and clients. You need to be direct and let them know your intention is to have them buy from you. Of course you need to deliver a killer presentation with what you will do for them and what coverages your carriers offer and why year after year you will always be the right choice but then you must end it with the ask.
Examples:

• Now that I have shown you several options with coverages we both agree meet your needs witch one can I get started for you?
• Which one of these best fits your needs?
• Would you prefer to pay for your policies as monthly or in full and what should I set the start day to be?

If the prospect sounds hesitant or says I need to think about it, make sure to ask them what common ground needs to be made up so that we can do business together. Of course if they let you know the answer get confirmation if you meet that need that they will be willing to move forward.
Example:
YOU: You sound a little undecided on moving forward. What is stopping you from making a decision on it today.Prospect: Everything you are saying is great and I agree that I want a 1% deductible  but I really need to get the home auto insurance down below $2000 a year.YOU: Ok Mrs. Johnson I hear you loud and clear. Though I believe what I just presented was the best mix of coverage and price. Give me 1 hour and let me come up with all the options I have below $2000. However if I can find a policy that will cover your home with similar coverage with a 1% deductible for under $2000 can we get it started today?
Remember asking them to buy and get things started is a service you are providing them for free.  Usually this is a chore they have to get done by a certain deadline and I am offering to take care of it now. How many times have you been on a website and wondered how much something cost or where to buy it from only to find out you have to set up a consultation first or you have to buy it from a participating store. Now you need to find what location has it in stock and wait for the store to open. All you want to do is buy it and nothing is more frustrating than having to wait.Lets take away the red tape and ask them to buy from you right now. It wont always be a yes and in fact it will rarely be but you will at least get to see what it is thats stopping them from buying from you. Remember you wouldn't let your crush walk away without letting them know you wanted them to be with you and you need to do the same for you prospect. Ask them to the dance.