Most insurance companies often teach new insurance agents to make a list of 100 contacts. Some require 1,000 contacts at once, some only 10-20 per week. The list contains the target and potential insurance policy holders. It is eventually the multi-level marketing list for insurance agents.

From the MLM list, insurance agents will one-by-one call, make a meeting appointment and sell insurance to those who confirmed their appointments. Conservatively, insurance agents get 10-15% of the list to buy insurance products.

Small and home businesses can also do the same. Instead of spending on expensive one-on-one sale meetings, ads and promotion materials, they can simply market their product and services through direct mobile phone multi-level marketing.

The MLM list of target 10-1000 consumers and users is not hard to find because we often have 10-1000 contacts in our mobile phone directories. Thanks to nanotechnology, mobile phones and sim cards can now large size of files. What is more convenient with listing from mobile phone directories is listing families, personal friends, work colleagues and acquaintances.

Direct marketing with personal circle of families and friends is an effective multi-level marketing. It is basically the business model that social networks adapted to succeed.

Simply promote your product and service to the people in your MLM list (or your mobile phone directory itself) through text or short messages (SMS). In one group SMS-another nanotechnology wonder-small and home businesses could direct market in a flash or less than 5 minutes. Such direct multi-level marketing is hard to accomplish with traditional methods and even internet. For one, not all contacts in your mobile phone directory is not hooked in the internet or in the street or watching television or listening to the radio or reading a magazine at the time you send your product SMS ad.