Insurance purchased when not needed

Insurance purchased when not needed:Good morning friends of Experts .. This time we will discuss about, when insurance is needed.
I often hear people say, another time, do not rush to have a life insurance etc..
The question arises as myself, who actually need life insurance?, When it is appropriate to have life insurance?
for more details, let us consider the following story.
There is a potential customer who says: "Why Participate insurance, we pay now enjoy it LATER ...
Better we buy stuff needs to be enjoyed NOW, pay it in installments can also

Hehe ... well yes it is true ...

Let's look further ....

Human nature and AVOID MISERABLE FIND FAVOUR ...

It is apparent that the purpose of every human being is PLEASURE
If humans given the ease it will try to catch
Is utilized by financial institutions credit to advertise ... "Just Pay advance only Round Bring new car.
Buy 42 Inch TV is quite simply show ID cards etc ... Buy anything just show ID only.

Well, many finance companies are successful because they are able to see this HUMAN NATURE ...
Until eventually most people forget to think about the long-term needs.
So lulled by television installment, installment Motors, mortgage,sheets, installment vacation abroad, credit card repayments and others.
Until the end when a disaster happens ..... they should be forced to sell the items one by one moment of pleasure that once they buy it.
Many examples of people who like this .... I'm sure you also often see things like this

A very happy family, in front of his house suddenly the words "THIS HOUSE SOLD". Because one family hit"stroke" or "tumor, or cancer or any other critical illnesses until they decided to sell all the assets they have and they just told me :
"Why from the beginning I did not buy insurance"

My friends ... regret never happened before.

Many people who need to sell his property when the risk of life occurs.
Lots going on a wife who was forced to work in old age when her husband was called by Him ....
Many families are in debt when his son graduated high school and will go on to university.
Many people who have time to retire but still have to work because retirement income is very small.

My brother ... Now it's true we have SHORT TERM NEEDS ... But keep in mind that there is a need LONG TERM we have to prepare ...

We work as an insurance agent, because we know what we are doing to help each family to make sure his future ...

Maybe you think we are "bully YOUR HAPPINESS TODAY"
Maybe you think we are "YOUR MONTHLY MONEY THIEVES" is not a problem as we say it.
Because we believe, one day you will say OTHERWISE ...

Brother ...
IMPORTANT future to be prepared from now on ....
A time when your child wants to go to university, you can say: "Okay, son, please choose to school anywhere, our parents are ready to finance.

Or when you retire you say with love to your wife. My wife thanks for accompanying me for this.
As a gift from all of this, I've got savings for our retirement, and every year we would walk around the world, to enjoy our old age. "

Brother ....The future will belong to you if you Want to plan SINCE THIS TIME.

And insurance is purchased now when you do not need it.
Short-term needs are important, but remember that life is not just for now, still no tomorrow we have to prepare from today.
It is better to have it before using it, rather than when I want to use it but do not have it.
When it comes time you want to use it, but do not have it, then it's too late is time for you to have it.
may be useful ... regards.

Handle objections Prospective customers life insurance no rush (No hurry)

Handle objections Prospective customers life insurance no rush (No hurry):   Buddy .. I'm glad to see you in good health always, this time we will discuss how to handle objections prospective insurance customers do not want to decide right then and there / not in a hurry.
Handle objections Prospective insurance customers are not in a hurry.
Actually, if the objection prospective customers will not hurry, I have to say you have sold, managed to make potential customers interested in your product, it's just that there are things that make prospective customers do not decide right then and there.
Well without lingering.
The sooner the better and not long-winded.
Here's an example of how to handle objections no hurry:

Handle objections prospective insurance customers not Believe (No Trust)

Handle objections prospective insurance customers not Believe (No Trust) : Buddy Experts78 this time we will discuss about the mind of potential customers who do not believe in life insurance (no trust). We have to consider in selling insurance is yourself worthy to have a trust, because you are going to sell an appointment.
As Mr Mario Teguh said, "Make yourself worthy of trust," both in terms of appearance, language approaches, and so on.
So that this objection can be minimized.
So we immediately wrote okay.
Here's an example sentence rejection of the unbelieving.
• Not Trust
Prospective customers: I do not want to buy life insurance.
I've cheated a life insurance agent.
Agent: I'm really sorry to hear that.Indeed, in our profession as a life insurance agent, malicious agents can adversely impact our reputation all.
As a medical profession, when a doctor has been tainted reputation.
So woe him.
But when you are sick, you still go to the doctor? 
Prospective customers: I have a friend who works in insurance.
Agent: I'm glad to hear that, sir, I hope you do not mind adding one more friend who works in this field.
A true friend is a friend who is always faithful even if the risk of going bad.
Your friend will bring fruit and other food when there is a risk, but I would take the money to you/ family,to pay the cost of that risk. 
Prospective customers: I do not believe in life insurance.
Agent: Sir ... throughout my career I have insured many honorable men and women.
None of those who regret having had a life insurance policy, in fact many of them are coming back to get more insurance coverage.
While some of them in the beginning is the same with you, do not believe in life insurance.

Prospective customers: I have a personal life insurance agent.
Agent: Many people have a personal doctor, sir, but for special operations course, we need a specialist, is that right sir?.
I offer this program is special.
Prospective customers: Your program is more expensive than the others.

Agent: Maybe that's true, sir, our program is more expensive, because of the many benefits you will get.
Other than that I do not dare to show products that do not suit you.
Why people prefer to buy a more expensive car prices, compared with the low-cost?
it's because of the level / quality of products, we provide the appropriate level and quality appropriate for you .....
Prospective customers:I want to compare with other insurance products.

Agent: it is a good idea, sir, you want to compare with what the insurance company? 10 or 20 insurance? to obtain complete data, you need to compare with all life insurance companies, but during the process of comparing the better you are protected, so that during the process of comparing with other insurers could be quieter.

So few examples of how to handle objections prospects who do not believe in life insurance.
Hopefully useful.

 

Style sell like a child

Style sell like a child : Tips for sellers of insurance: In everyday life many valuable lessons that we can get even from a child.
They have high spirits, love learning, never give up, think positive, and so on.
Well this story is also one of the many properties of small children is good for us to consider in our daily lives.
Hopefully useful ..
One Sunday afternoon when I visited my good friend's house, there is no purpose whatsoever, alias just to chat.
Exchanging stories and information (our friendship is already very familiar arguably been like family).
He is a civil servant (teacher). 
Having a child around the age of 5 years.
A little info kid is smart, aggressive and definitely naughty (they say, is characteristic of the smart kids).
This kid is not afraid of her, but was afraid of his father.
When we were talking with my friend, his son suddenly came rushing with a toy car, the boy said to his father to fix the toy car, which appeared to have been damaged due to be dismantled by children.
Son: "Dad ... his car is broken, fix it first .. Dad ..." his son said.
Dad: "Yes you later, Dad was talking to uncle.

The boy did as his father said, and sat some distance while still trying to fix the car.
The boy never gave up, serious, focused, trying to get the toy to be good again.
Our conversation continues, I am very familiar with him.
Especially when you're talking, we lose track of time.
About half an hour had passed from his seat, the boy asked his father, in order to improve the car toys.
Son: "Dad .... can not .."

Ayah: "Ya ... Ayah mengatakan nanti ...."
Ayahnya tidak ingin memperbaiki mainan acuh tak acuh, karena menghormati saya sebagai tamu.
Saya memperhatikan anak usaha, pantang menyerah, terus melakukannya sebagai mobil mainan bisa baik lagi.
Jadi sekarang kami berdua memiliki topik pembicaraan kepada putranya, yang sedang berusaha untuk memperbaiki mainan, setelah sekian lama anak tidak sukses dengan usahanya, maka saya katakan kepada teman-teman saya ... "Bantu anak Anda terlebih dahulu.
Finally, the father felt sorry for her.
He has tried most but not work, then the father has to step in and fix the toy, it did not take long, toy finished well back.
The boy seemed satisfied, and go play again. (children have managed to sell). capable of seducing by showing a serious effort, focus, never give up, so his father took pity on the child and help solve the job done.
There are valuable lessons that I got from a previous child. 
He tried to the maximum, he did his best, with a serious, focused, and confident, equally important is he asking for help on the father, although the father has not been willing to help but he still tried.
Which eventually father felt obligated to help solve the problems of children.
I think ... as an agent in the business of selling life insurance policies.
We need to learn as a child he was.
Despite repeated failures, but never give up, serious, focused, confident, and ask for help.
We acknowledge that God is all-powerful, Supreme tau ... if the father loves his son, and felt obliged to help her, especially God Almighty Counselor. Therefore, the sales are doing well, serious, focused, and do not forget to ask for help to God.
So hopefully ....... good luck...

The value and importance of life insurance

The value and importance of life insurance: Why life insurance is important?. This is the fundamental question before we get into our current material, the answer is simple ... Since man lives his life at risk, namely:
• The risk of dying too soon
• The risk of living too long
• The risk of illness, disability, accident.
One thing for sure is that every person on earth must die world.And no one know and can prepare for when he will die .. 
Instead people who receive the gift of longevity would be fun.
But if long life but is not supported by good health, then it is not really a happy thing, but the opposite.
Also in the lives of everyday people can not be separated from the risk of illness, disability, either by accident or disease, such as decreased organ function.
All types of risk associated with financial life.
Life insurance will not replace the soul of the deceased, not to heal the sick, or return defective.
Life insurance is a way of diverting the risk of financial loss in the natural person to the insurance company, in other words, the economic losses resulting from the risks will be covered by life insurance companies. 
The goal is to reduce the financial losses incurred due to live at risk occurring.
This is the importance of life insurance. 
Life insurance is not purchased because of all the dead, but because we are heirs, should live and live life without having to go down lifestyle.
The risk of dying too soon
A head of the family, that meets all the needs of the family, died too soon, of course, have a significant impact on those left behind, both psychological and economic impact, because revenues that were previously available to the head of the family is still alive, will be lost because of the risk of life.
Life insurance also will cover the economic impact.
The risk of living too long
t is a happy thing when in Balance with good health, but if it is not supported by good health, then it becomes a risk to life that requires no small cost and will be a burden on the people around us, for example, children, etc..

Risk of total disability
It also includes one of the risks covered by the insurance company.
Of course when one is defective, it can not do the job properly, which will have an impact on his lost income.
So it will be a burden to those around us the family.
The conclusion is, life insurance will replace the losses incurred because of the risk of life that occurred customers.
The question is when the risk of life will occur??? Of course, no one knows. 
It will be rainy conditions can be predicted by looking at the dark clouds, strong winds, and so on, but the risk of life not giving signs of when it will happen.
Life insurance policy is like a spare tire in your car, when your car tires to burst? .. Obviously we do not know, but you always carry spare tires.
Imagine you are traveling out of town by a considerable distance, without a spare tire, what do you feel? anxiety would not it?
Therefore, living without insurance is like carrying a car without a spare tire,,, always madly in anxiety ...
Similarly, a glimpse of the importance of life insurance ... Hopefully useful.

The strategy of selling life insurance with reference techniques

The strategy of selling life insurance with reference techniques:Various Srategi made ​​by the seller of life insurance agents, the goal is to increase sales production.
Some people are selling into direct sales.(coming directly meet with prospective customers), there is also a group sale (Gather a lot of people, and then make a presentation)
There also are sold to the owner of the company, so that all employees / i buy insurance) and others.
Well this time we will discuss strategies to sell insurance by reference.
You take advantage of the influence of those who have become your customers before, both new customers and old customers.
As we have discussed in my previous article, that the life insurance business is a business of trust, which means that potential customers will not buy when they do not trust the insurance agent.
To build trust you have to build closeness with a prospective customer.

One effective strategy to increase confidence prospect is, we use the influence of friends / relatives of their own.
Each person would have more confidence to his own than others.
By utilizing the reference you have developed for your own market.
For example: you would never sell to Mr Badu (my friend) without you engage me as a referee.
But by involving me as a referee then you will be easier to sell to Mr. Badu (my friend).  
Assets of an insurance agent is a list of names.
Insurance agents must be smart to add a new name to ask for references from clients.
The question arises, when it is appropriate to ask for references?
When time is right to ask for references?.
It's when there was an agreement / closing of the sale has occurred, or when you give Polis (for new customers), after the claim is paid, (when customers are satisfied with your services).
The bottom line is when the customer is satisfied with what they get from you will be easy for you to develop sales to that market.
Therefore, the sale must be maximized.
Sometimes if customers are dissatisfied with your service, then they will give without being asked / advised their friends to you.
So little tips strategies for selling life insurance to maximize customer references, may be useful .........

  

The technique to make an appointment to sell life insurance

The technique to make an appointment to sell life insurance: The first step in initiating the sale of life insurance is to make an appointment.
Why make an appointment?.
The goal is for the efficiency of the time, so the prospect knows your arrival, and make time to meet.
Moreover, if the prospect is a busy man.
Therefore, to be more professional and efficient time to make an appointment by phone is best.
But you have to admit there are many life insurance agents who are having difficulty making an appointment over the phone, especially for those just starting a career in life insurance sales.
Here are some things you need to consider before you call to load appointments with clients.

Technical selling life insurance easily.

Technical selling life insurance easily.:Good morning friends, faithful companions Experts78, hopefully good news all in good health and always, the spirit of running our respective activities.
This time I will share the techniques how to sell life insurance easily.
Many people think saying it difficult to sell life insurance, it's hard.
But I think, if we know how it is not as difficult as they say.

Okay we get to the point, yes ...

We need to understand that selling life insurance is to sell an appointment, so that you as a seller of insurance must be trustworthy.
You have the right appointment.
If prospective clients find the slightest doubt of the things you as a seller, then potential customers will be put off by a thousand reasons not to buy.
Well ... to overcome objections in selling life insurance, let's make it easy.
Let's start selling to the people closest to you.
The goal is that you are slowly learning to sell.
And it is not too difficult to close the sale.
First the father, mother, aunt, uncle, aunt, sister, brother in law.
Proceed to your family, friends, aunts, uncles friends, relatives, friends, friends of friends.
Here you have to promote yourself that you are one of the professional life insurance agent in the company ... xxx ...

Then expand your network to include friends, relatives, or clients who have a seller for you.
Why do we have to engage them to sell ...? Yes ... we involve them also in selling because someone is certainly easier to believe close friends than to others.
Give a bonus to those who sold, can form objects / goods, or bonus travel / holiday money or cash, in an amount up to you, (whoever wants to do something if it is profitable for him).
You have to explain to them how the steps to sell your product.

If there are potential customers who are interested, you will explain in more detail.

Usually this will close the sale smoothly, because 70% -80% interest and confidence (trust) their (potential customers) already built in, so your task is only 20% went to close the sale.How to close the sale please read here
You do the same thing to every new customer that you get, so the market for the sale of insurance you'll never run out.

After sales service should not be forgotten because of all customers, both existing customers and new customer sales is likely to happen next. (Reselling)

So my friend, life insurance sales techniques easily and minimize rejection.

Hopefully useful ....

Handle objections do not need life insurance

Handle objections do not need life insurance:  Buddy Experts.
Last time we discussed how to handle objections in selling life insurance, which is associated with money.
Well now we are up to handling objections that do not need insurance.
In the modern era that has been developed here, there are still many people who do not realize the importance of life insurance.
Therefore, hopefully with high spirits of life insurance agents tirelessly to provide awareness of the benefits of insurance to the community.
Here's how to handle objections arising in connection with insurance need not, of course, after the presentation we do well.

No need
• Potential customers: I do not need life insurance, I feel OK now ...
• Agent: Yes sir, we are very grateful to be given the health as it is today ... but sir ... I'm sure you agree with me, that everyone at some time will experience disability, for some people it happens at an early age , possibly due to an accident or illness.
I'm confident that now you will qualify for this program.
But conditions in the future certainly will not always be the same as now.
So better now than late.

• Potential customers: I'm not interested in life insurance
• Agent: Maybe you are not interested in all types of life insurance.
But I'm sure you'll want to provide the best education for your children, as well as provide income for your retirement years later, this is what I'm discussing to you.
Many people say that, but is not it better to have it at the moment we do not need it, than when we need it but not have it.

• Potential customers: I want to buy a new home.
• Agent: Well .... congratulations sir, every man would want her family to have as your dream house, or risk the danger is, if something happened to you, would your family be able to financially sustain the house?
• Potential customers: I have had life insurance.
• Agent: Congratulations sir,,, it is proof that you have realized the benefits of life insurance, let me show how I describe life insurance is life insurance that can supplement your existing.
• Potential customers: I am now saving my money in the bank.

Agen:It was nice.
With savings funds mean no more problems for you to immediately start to have this program.
Maybe I have a copy of your ID card?.
• Customer: My wife objected.
• Agent: I am sure all would mind if she also had lost her husband.
Especially if you have to work in the future as a result of not having life insurance.
The reason for the objection now is temporary, but then the mind is permanent, you can explain to your wife, that you are still giving good things for their welfare.

• Potential customers: My wife is a smart guy, he can get a job.
• Agent: Maybe he could, in case of disaster on you in the near future, but what if the accident happens 15 years from now, when the wife of 45-year-old.
A woman at that age it is not easy to get a job retention.
• Potential customers: I do not need life insurance
• Agent: Who do you think are worthy need life insurance .. Are people who suffer total disability?. or who was lying in the hospital in need? but if they could have it? Life insurance can have when not needed.
When you are traveling with kids and wife to drive your own car, Do you carry a spare tire , why should carry a spare?.
Are you sure the leak or explosion?

Of course not ... but you take it in anticipation.
So it is with insurance.
Life does not have insurance take it like a car without a spare tire.
So my friend a little tip for how to deal with objections that do not need life insurance.
may be useful .... regards.

  











  

Overcome doubt, lazy, not confident in selling life insurance

Overcome doubt, lazy, not confident in selling life insurance:
Good morning, good afternoon, good evening and good night buddy Experts.
Hope is always healthy.
This time Experts will share some tips on how to overcome doubt, lazy, do not believe in selling life insurance.
Doubt, laziness, fear of rejection, fear of failure insecure, shy, and so on.
All of this is the feeling one-sided, that is, only in our minds only.
Other people will not know the feeling, if you as the owner did not show feelings.(I call these negative thoughts.).But there is no doubt all of these diseases are often blanketed a marketing sense, especially life insurance marketing.
Both junior and senior marketing are also experiencing the same thing.
These negative feelings in our minds come up by themselves, and therefore also how to cope on our own.
Neither of us to the point just being pedantic.

Try asking yourself.
Since when do you decide to have a sense of doubt, lazy, and others are not sure it is.
Having met the answer, then you ask yourself again,: when you decide not to maintain a sense of doubt, lazy, not sure
So easy is not it?. How to overcome them, is actually the key is in yourself.

If the above question is still not able to overcome your negative feelings, try pal proceed by considering the following.
We need to know everything there is definitely a pattern.
Positive thoughts and negative thoughts also have a pattern.
Mate you need to do is destructive patterns that have made you have such negative thoughts.
Destructive patterns can be done in a little extreme, fight abruptly, immediately push yourself to do the opposite feeling at the time.

For example, this time you felt a wave of laziness, so it is tough steps to perform any activity, now when these feelings start rampant, force yourself suddenly you get up and do anything that makes you forget the feeling lazy earlier.
So it is with a sense of doubt, and not sure you force yourself, you suddenly grow up confidence is high.
Rise from your current position inhale deeply, exhale, and do little jumping to get you excited, confident.
Tell yourself that you are a wonderful person, charismatic people, people who have high motivation, nothing can beat yourself.
Say that you will not lose the sense of laziness, a sense of doubt, a sense of feeling unsure because it will only bring great loss to you.
Remember ... if you are gentle to yourself, then life would be harsh to you.
Conversely, if you are hard on yourself then life will be gentle with you.

Share stories with friends who have high motivation, it can help you to rise from the harmful negative feelings.
Meet leader at the office asking for opinions / input from them with what you are experiencing.
No matter how great an athlete, they still need a coach.
Similarly, life insurance agents, we need input from our leader in the coach's office.

But the key is to keep yourself, input from outsiders merely as a boost for our action / doing.
Start from your mind, because what do you think will show what would you say, what you say is going to show what you do, what you do is show what you'll get.
Start with simple things, and start from now ... So my friend some tips to overcome the negative thoughts that often arise in selling life insurance.
Hope fully helpful .... good luck.