Insurance Agent-s

Selling Insurance is Easy

noreply@blogger.com (Efri Yaldi) — Tue, 11 Jan 2011 13:20:00 +0000

The most precise in doing something is to "start work". Just like the motto of Nike shoes :"Just do it". Many people spend time,"waiting for a good time", waiting for fair weather, rather than directly to do it. As a result, they were so late, because no time is really good and perfect and no time really unlucky.

Every time there is "good" and no "unfortunately". Robert T. Kiyosaki and Sharon L. Lechter, in the book Before You Quit Your Job writes, if Microsoft waited for Windows till perfect, of course, until now there has been no market.That because if was first launched, Windows phenomenally successful, because it always meets the needs of the market.

We can not change it. All we can do is use it. Can not stop it. Can not accelerate it. Slow it could not. Just use it. Once again just to use it.

Selling insurance is easy, provided we are willing to do it.

Seven Habits of Effective in selling insurance : BE PROACTIVE

noreply@blogger.com (Efri Yaldi) — Wed, 08 Dec 2010 20:24:00 +0000

The book of The 7 habits Highly Effective People work if Stephen R. Covey is very valuable to be learned in developing any business., because trying to dig up human superior attitude. While in such matters, selling insurance, these seven habits to develop the ability to sell from agents.

BE PROACTIVE
Henry David Thoreau said :"I do not know which is more encouraging fact than the ability of human beings who no doubt to enhance their lives through conscious effort." People often choose to be reactive rather than proactive. A proactive recognize its responsibility. They do not blame circumstance, conditions, or conditioning for their behavior. They behavior id a product of their condition based on feelings. Not what happens to us, but our responses to what happens to we are the ones who hurt us. This difference between men reactive to a proactive :

Reactive : there is no hope anymore Proactive : There's always hope, whatever the conditions
Reactive : From the first he was always so Reactive : He is better than people expect
Reactive : they make me down Proactive : They would support me
Reactive : no other choice Proactive :lots of available alternatives

Be poractive insurance agent !

Choosing the right insurance for your family

noreply@blogger.com (Efri Yaldi) — Tue, 07 Dec 2010 16:21:00 +0000

A friend told me about insurance in Japan. There, each of its citizen ( including foreigners ) must be Kokuho insurance client, a health insurance managed by the government. The cost per month to be paid by the government. For example, residents who paid below the standard could pay more cheaply. So also with foreigners. Even foreign nationals with the status of students get tremendous relief in insurance costs. Though the benefits are all equally. Each transaction treatment ( both outpatient and inpatient ), then the government will bear 70% above it, while people who seek treatment only spend 30& of the total bill.

More interesting again, for every family who has children, then their children were included as insured Kokuho, then each child will not be charged any medical treatment. Whether it's outpatient costs, operating expenses, or for example a child born prematurely until many months need intensive care in hospital though.

This is what makes them continue their 'tradition of insured' after re-settled in Bali. This is because, the company where her husband works does not guarantee the total medical expenses incurred. So they have to seek additional insurance for family medical expenses. But until now they not found the type of health insurance that guarantees an outpatient basis.

They also think with saving or depositing money alone is not enough in today. There should be a plus, for example on the type of life insurance plus health investment, or investment in education plus life insurance. that is, if the insurer dies then insured ( their children ) will not be neglected. That's what they expect.

In choosing insurance, they are very concerned about two things, namely 1)the type of insurance that are investing ( not money lost ) and 2) insurance agent who can explain their product properly, also can be contacted at any time, and are fully they for his client.

Currently they have entrusted education insurance and health insurance to the two conventional insurance ( not syaria insurance ). Next they are looking for any kind of health insurance for their old age together.

List of complaints from clients who should be known by Insurance Agents

noreply@blogger.com (Efri Yaldi) — Tue, 07 Dec 2010 15:50:00 +0000

Being insurance agent who is responsible to increase our confidence. Increased self-confidence that will greatly boost a career. A good insurance agent should be concerned with various problems and trying to deal with the problem to be resolved. This list of complaints that may be filed by the client :

Claims that are difficult. Claims will be easy if the full requirements. Clients who die must be complete by death certificate for claims by their family.
Insurance agent have moved. Clients are not related to the insurance agent, but with by the insurance companies. Insurance agent must be licensed. Receipt of payment must be original and be guaranteed coverage while in tow.
Claims not paid in accordance with the Insured Value. Because the policy expired. Advise client to pay annual premiums because there is usually a grace period of 45 days from the date of maturity.
Hospital Benefit claims are not paid. Due to the client already had the disease when purchasing policy and not telling the truth. It's sick and dishonest when filling a life insurance application letter.
Borne diseases are not included. Insurance agents must be honest in prospecting revealed the company's Plan. Plan owned by their respective insurance company. Example : Silver Plan, Gold Plan and Platinum Plan. Platinum Plan there usually a disease coverage.
Appointments to the prospecting is not appropriate. Make an illustration that benefit customers and in accordance with the policy that will be bought. Insurance agent must not promise to exceed client that can be given by the company.
Insurance agents representing the company is not clear which one. Insurance agents who are responsible should not be employed double in more than one insurance company. severe punishment waited.

A good insurance agent trying to erase the stigma of bad for the insurance.

Carefully before buying insurance products

noreply@blogger.com (Efri Yaldi) — Thu, 25 Nov 2010 16:02:00 +0000

One of which greatly affect the development of the business including insurance sector today is the use of online technology as a trend setter. People who lived in Bali in example enough to stay at home to supervise the business activities that exist outside the area, can easily find out how much balance their accounts at bank. For ease of convenience like that today many foreign insurance companies who invaded Bali in cooperation with local insurance companies or even work with certain Indonesian Bank's that offers quite a variety of excellent products such as, among others, his clients can look directly at anytime and online how the balance of his account at the insurance company.

People are increasingly aware of the importance to protect their personal interests. Such fact was also recognized by insurance companies, so they compete to offer their products and competition in order to capture as much as possible the customer or client. Of the many insurance companies that offer products, we should examine first before buying the insurance product, not to regret in the future.

This is a story. One of professional manager call it name Patrick never felt cheated by one insurance company. By then he had become customers of one insurance company, insure his life, including when he was experiencing pain. He regularly meets its obligations to pay insurance premiums large enough . Once upon a time Mr. Patrick had been accident victims and had to be hospitalized for two weeks in the hospital , and outpatients for 2 months. He has a lot of pay for treatment.

But when he made a claim, his claim was rejected by a variety of reasons. Inf fact there are certain requirements which are hidden that are not told from the outset. Such practice is common, even more so the occupiers of insurance that his attitude "moral hazards" is an important product sold by ignoring the interests of the client.

The reason for the rejection of claims, according to the insurance only the covered in patient treatment costs, whereas outpatient costs beyond the mortgage insurance, on things that outpatients costs was a lot to pay for his recovery. He was helpless because of lack of curiosity, just resigned deal with this case. And he only regretted later why he had not carefully choose an insurance company.

For example : Situational Dialogues in Marketing Insurance by Phone ( Cold Calling )

noreply@blogger.com (Efri Yaldi) — Mon, 15 Nov 2010 13:28:00 +0000

Situation : Leonel De Niro of Merapi Insurance Company is calling a prospective client, Robert Messi

A : Agent : Leonel De Niro
P : Prospect : Robert Messi

A : Good morning, may I speak to Mr. Leonel De Niro, please ?
P : Speaking
A : Mr. Messi, this is Leonel De Niro of Merapi Insurance Company. Could I have a few minutes of your time to tell you about our new comprehensive insurance plans ?
P : I'm pretty busy right now
A : That's Okay, how about I meet with you tomorrow and we can discuss Merapi's plans in person ?
P : I don't really have time to sit down and talk about insurance
A : Mr. Messi, it would only take about fifteen minutes of your time. It will take even less if I know a bit about you before I come. How many people are there in your family ?
P : There are four - me, my wife and our two kids
A : Also, how old are you and what line of work of you in ?
P : I'm forty-three and I'm a senior accountant at my firm
A : It sounds like we have two specific plans that would suit your needs, Mr. Messi. I can present them to you tomorrow, say around two ?
P : Two thirty is better for me
A : That's fine, I'll see you then. I'm looking forward to meeting you, Mr. Messi

The importance of the philosophy to sell

noreply@blogger.com (Efri Yaldi) — Tue, 02 Feb 2010 10:27:00 +0000

A professional agent is not born, but formed. The higher of flight hours, should have better performance. Insurance agents should also be sure that the products sold. before speaking with prospects, the agent must know the outside-in products they offer, any type of insurance. That mean, they must know the main benefits, weakness and strengths of the product. Note the price and costs must be paid prospects. Learn ethical insurance agents, because there corps values and taboos that must be shunned. Survey shows, the prospect that agent prefer to speak frankly, honestly and based on reality. If there is a risk cost to the customer, discuss the possibility that since the beginning.

Next, do the hunting prospects. The names of prospective customers could potentially come from existing customers, friends, relations, club, newspapers and magazine articles, mailing list, and other various directories. Try making a list. If prospects have a family, try to do a presentation in front of husband and wife. Survey proves, the decision to buy a much higher persistence if it involves a husband and wife, rather than unilateral decision, either from the wife or husband.

Appearance is important

noreply@blogger.com (Efri Yaldi) — Fri, 29 Jan 2010 11:03:00 +0000

Quality and persistence of the most decisive individual in the insurance industry. If done correctly, we will exist to be an insurance agent. What is of the basic capital of an agent ? The important thing is to prepare the hearts and feelings, so as not falling apart when beaten rejection. Promise to ourselves to keep looking and coming prospects. The prospect is a person or institution that is considered potential to buy an insurance policy. If confidence is established, support the appearance.

Not that a top agent must be pretty or handsome. The face of a mediocre lot of success to, as long as more attractive, appearance. A survey has shown, 99% very concerned at the prospect of his first meeting with an insurance agent. That's when they can just fall in love or otherwise, hate forever. The survey also proved, the correlation of level failure agent with appearance very significant.

Insurance agent, the proffesions most daunting but the smallest risk

noreply@blogger.com (Efri Yaldi) — Wed, 06 Jan 2010 11:53:00 +0000

Is there any profession most frightening, unpredictable outcome, but the very small risks ? Repellent ghosts, soldiers, or member of the fire department may enter the first part of the requirements category. However, did not fulfill the second part, because it risked profession. Compare with insurance agents. Most unfortunate, was greeted with sullen faces. Despite minimal risk, do not ever underestimate this profession. Many agents claim, prior to bidding, they are many nervous. Believe it or not, selling insurance policies were so many obstacles. It said that only 5 % of those who are struggling in this successfully managed to enter the category. Insurance agents also have to be patient and always ready to accept rejection. The word is 'not' from prospective customers who like to eat rice everyday.

What is unit-linked insurance

noreply@blogger.com (Efri Yaldi) — Wed, 16 Dec 2009 11:16:00 +0000

Unit-linked insurance or better known as an investment plus insurance is pure insurance products coupled with an investment portion, which in principle that funds paid to policyholders by an insurance company separated into two groups, namely premiums and mutual funds ( mutual funds usually called a unit-linked ). That must be considered by the prospective policyholder is actually a link unit is one of the risks of alternative investments are borne 100% policy. Unit linked holder is along-term investment program. Most unit-linked using a single insurance policy. Funds paid customers will be divided again to pay a premium, investment, mortalita cost, initial cost, policy costs, and investments cost.

Investments funds will be channeled into stocks, bonds, deposits, or Certificate of Central Bank. then, the customer will be provided a choice of investment, namely the fixed income or bonds, shares or a mixture of Central Bank Certificates or shares entirely.

In unit-linked, separated by an investment fund coverage for the claims fund clients. Insurance fund will be managed by insurance companies, while the investment fund managers investment will be managed separately. Model in unit-linked investments like mutual funds that customers funds represented by units in accordance with the amount of funds invested so that the customer invest by buying units.

Policyholders will get the number of unit price by the number as a form of investment. the unit price will usually continue to change following the market price. The amount of funds held by customers can be calculated by multiplying the unit price by the number of units. customers can see the unit price movement through the net asset value.

In the first five-year comparison of the portion of premium payments will be greater than the investment portion. After the first-five year, the opposite applies. Investment in units is not always link up, could also fall because keeping track of the market. In this case, insurance companies are not responsible for the reduction or increase in value per unit. Therefore, as well as investment, investment risks are borne entirely policyholders.

Say it with honesty and proude to be an insurance agent

noreply@blogger.com (Efri Yaldi) — Wed, 16 Dec 2009 09:56:00 +0000

Like seducing a girl, the average successful seduction seduce the girl is saying what it is, to say honestly who you are. Likewise, if you meet with prospective clients or prospect, say that you are an insurance agent from Company A, for example. If you are not telling the truth, due to poor will be accepted at a later date. If you do not say that your as insurance agent, so it's OK, but talks with prospecting simply "say hello"and no results.

Introduce yourself honesty is the 'entrance' when communicating by phone or direct visit ( cold canvassing ). There is no reason not to tell. In addition, in this profession as an insurance agent, multiply is to add value to our profession, not just selling insurance policies, but also served to give financial advice. That eventually the prospect is willing to purchase an insurance policy, it is the result of the advice given.

Respect for people associated with us, we should be proud of our profession as an insurance agent. Just like a businessman or a lawyer who was proud of his profession, we will reap the results with pride. Would not the same as the sales profession a farmer who plants corn ? Must go through the process before you reap the rewards ?

SAY IT WITH HONESTY AN PROUD TO BE INSURANCE AGENT !

Being a life insurance agent, who is afraid ?

noreply@blogger.com (Efri Yaldi) — Wed, 16 Dec 2009 09:28:00 +0000

The manager or leader in the insurance company will often motivate the agents to say that insurance agent is the most noble profession in the world. How not, in fact this is so, because in principle at an early stage they help provide information and financial advice is highly valuable to prospective customers and clients. The ideal insurance agent who is very concerned with customer of them, began as an approach, closing the sale, 'maintaining' the customer, even to the maintenance of insurance claims. They assists us in planning for long-term funds for the continuity of education of our children. They helped find financial solutions for customers who have permanent disabilities in order to continue to make a living.

So, if you are interested to be an insurance agent, remember that the main essence of the task is to help others. If simply for money or commissions, you will easily feared down when faced with rejection, compared with similiar professions, such as a car salesman ( usually you will be greeted with smiles and hope ). So, if you become an insurance agent with a base to help people, you will not be disappointed or down quickly when faced with rejection, even things could turn around, you will be liked and needed by your customer. If so, don't worry......be happy...ha ha

Desire to Succeed

noreply@blogger.com (Efri Yaldi) — Fri, 04 Dec 2009 10:55:00 +0000

"I've never failed and failed and failed again in my lifetime. That is why I succeed,"said Michael Jeffrey Jordan, one of the greatest basketball player, who brought his team the Chicago Bulls NBA championship six times. He himself over and over time degree as the MPV - most valuable player.

So, if failure stop you ? Well, read again what the words "Air Jordan" ."If you want to achieve success, the desire to succeed it must be greater than the fear of failure,"said Bill Cosby, a TV Star who is very successful in television history of the world.

Now calculate how much your desire to achieve what you define as success.....as an insurance agent too.

What is Insurance

noreply@blogger.com (Efri Yaldi) — Wed, 02 Dec 2009 10:39:00 +0000

Before this question is answered, it's good I asked first. If you've lost something, for example, a wallet containing securities or money. How would you feel ? Sad, upset, confused, angry, and despondent feelings row of hanging on your heart. Or, have you ever lay sick and your little girl sad because his father did not pick up a few days after school or take a walk. Humans and life always have ups and downs. Can be happy, be sad, can benefit, also can be lost. Misfortunes and losses can sometimes been considered previously and sometimes unexpected. Problematic as this often a concern in the life. Life is full of risks !

You'll want your life without risk. It is not possible. Is the risk can be avoided ?. The answer is no, because in this world everything has its limits., no eternal. So ? Risks can only be transferred, in a broader sense, is managed. If one day, sorry, you've gone, who will bear the continuation of education of your children ? Is sorry your wife rushed new husband ( this seems not possible ). Sweet memories with you cannot so easy to forget.

So back to the beginning. What is insurance ? Insurance or coverage is an agreement, by which the underwriter ( usually an insurance company ) committed themselves to the insured, by accepting a premium, to provide reimbursement to him for any loss, damage or loss of expected profit, which may be suffered because of an event that did not an expected. Agreement mentioned is an insurance policy.

Tips on choosing life insurance company

noreply@blogger.com (Efri Yaldi) — Tue, 01 Dec 2009 11:18:00 +0000

A. Product

Usually the insurance company offers more than one product, so choose one that suit your needs, your abilities, and your financial goals. Calculate the benefits with the terms and conditions of products and note the premium prices offered. At the time studying the proposal or bid, consider the benefits offered, especially the comparison is offered with the assumption that the current conditions the company's ability to meet its promises.

B. Identity Insurance Company

Name of insurance company explained, location / position where the head office or branch and affiliate with head company.

C. Insurance company financial ability

Life insurance is a long time agreement, therefore the insurance companies who choose not problematic in terms of management. Read the financial reports in newspapers, magazines, or other mass media, see the ranking or rating. Note RBC ( Risk-based Capital ), whether the government was in accordance with the provisions of the minimum 120%. See also the amount of capital that insurance companies. Monitor the performance or management if have problem or not.

D. Advice and services

For some people, insurance is a product of complex and difficult to understand, so ask your insurance agent or leader/manager, to be able to explain the product details to help you make the right decision. Make sure you get good service if the policy was obtained.

How insurance company work ?

noreply@blogger.com (Efri Yaldi) — Tue, 01 Dec 2009 10:53:00 +0000

You must have current or follow a particular social gathering either in the office, neighborhood, or with business partners. Before the period starts social gathering, we gather to determine the amount of funds that must be paid and for how long, and draw lots to determine the recipient of funds within a certain period, say once a month in rotation according to the draw. fund fees that have been agreed amount deposited / collected to the head of administrator who has been appointed social gathering to be managed. If not described, so about the workings of insurance companies ( shareholders funds ) and client ( participant social gathering ) has an obligation periodically fund contributions.

Insured or the client to contributed in the form of insurance premiums ( contributions ) , the amount of contributions or from the policyholder ( the agreement ) in time partly due to the small claims policyholders. The policy holder is acting to contributed to a group of funds managed by insurance companies, called the insurance fund, which at the time the obligation to pay benefits to dependents of the policy holder. This concept is called the risk of set of risks polls.

So, if described, the insurance company is risk management. Policyholder exchange uncertainly with certainty. By paying premiums, the insured regardless of the uncertainly of a potential loss of far more associated with loss of life or objects.

Business spirit

noreply@blogger.com (Efri Yaldi) — Tue, 01 Dec 2009 10:44:00 +0000

Word "business", must be taken from English "business". Said that, according to the dictionary etymology comes from "bisignisse", this is the word from Old English lang we alsouage is full of new meaning when describe by many words : meticulous, careful, enthusiastic, busy, and was busy in one thing.

So, if you want to take home the spirit of the business, so as to engage in a business, or are building a business empire, we must be prepared to spend lots of time for that, we are fully engaged in it, we do it carefully and be careful, and the importance we also do it with enthusiasm.

Ah, not just a business. All the things that we do int that way, for example - sell insurance policy - sure we will achieve results.

Why we have to have insurance ?

noreply@blogger.com (Efri Yaldi) — Tue, 01 Dec 2009 10:17:00 +0000

This is a good start, if it turns out at one time this question come to mind. Each should have a reason before doing a thing, to be precise : What is the benefit I am doing this reply ?In this context, of course, we adjust the topics discussed. What insurance benefit for us. Why do we need to have insurance, why should We buy insurance ? OK, lets us suppose. To easily understand we assume you are interested in life insurance. Actors in this post you, not me. And, it is assumed you do not have a life insurance policy yet.

Imagine that tomorrow you die. Sorry, we just wish, thought not closed to this possibility, for anyone, anytime, ready or not ready.

Imagine the spirit you are still around the house, at least in the next week see what happens. What does your wife ? Hoe the fate of the children ? Maybe after a day of their funeral was at home, weeping over the departure of you and are diligently praying for you. A week passed, if your wife works, at least vacation is over. The children to school without saying good-bye again with you. If the wife does not work, of course he had started taking care of the rest of the savings or deposits to the bank. Especially, if the only financial instrument that you leave it as an assets, please read : testaments. Thankfully if you leave a testament to the hundreds of million. If not, perhaps under US $ 50,000 ?

Then, with that much money, maybe the children continue their education? We assume the minimum cost of living today US $ 10,000 for one month. Means the wife and your children only able to survive for at least 6 months to meet his needs, including education. After that, to cover the cost of living, might have sold the remaining property that is.....you do not have the heart to take shelter if the house would sell, so we close the story here....

So, what insurance benefits ? of course, provides protection for your family. You've bought the house and leave the savings ? Yeah, where is. After all, you love saving money been spent or house sold. Insurance, in this case, life insurance, useful for protecting or protect. What is covered ?Assets or wealth, which means financial security for your family, whit a note, if you, as head of the family and providers are pass away. Insurance can help the family finances without having to sell assets or use the savings if you've pass away.

Well, how much should we have? Depending on the amount you plan to do before. If the policy is worth US $ 20,000 or 50,000 ,yes, you must dare to set in the heart that premiums are paid monthly is savings. This means that you must dare to force yourself to set aside part of your income to pay insurance premiums, as a manifestation of adeep love for your wife and kids.