Selling life insurance with love

Selling life insurance with love

Greetings loyal friend Citra Maniezs, may you all be healthy always, happy spirit and always.

After long absences from the front of the monitor, and now hopefully
will be back.
Would have much to tell, and I want this article to be where we mutually share experiences, share information, and share knowledge, which will lead us towards a better, I hope this article will benefit all of us. 

I also hope we all blog readers willing to contribute ideas to our brilliantnya sharing of knowledge, especially in selling life insurance. 

Because there will not be split and loss of knowledge, otherwise we will have more new knowledge that we do not know not from where. 

This time I will share about how to sell life insurance to love and feel love. 

All of us would agree that selling life insurance is not an easy thing, but again I say not too difficult, as long as we can better understand the sales cycle.
In a discussion with some friends, I draw the conclusion, that the average objections faced by most life insurance agents are delays. 

The prospective customer / client is already interested in the programs offered by the agency, but why the prospective customer is still delaying?. Sang borrower issuing thousands of reasons to postpone a purchase right then and there. 

Some say do not have money, do not want to rush, will compare with other insurers, will ask the wife first, and so on, basically they postponed it to buy time. 

On the other hand the agent is still new to his profession a life insurance agent (newcomer), they do not seem too difficult to get a sale. 

So I think, why people who are new to life insurance agents, not too difficult to sell, while a person who is long enough even find a lot of resistance. 

Apparently the answer is love and compassion. 

Insurance agents who are new, they are still sold to people around them, family, relatives, close friends neighborhood, friends and so forth organization, which has established a sense of mutual affection and love copy.
While insurance agents have long naturally the closest people is up, in the sense've all offered, and will be out in the world that people are certainly not yet known. 

Learn from them, then I tried to implement a way to sell life insurance with affection, and love.
And I feel this way is worth trying.In this way we maximize the approach.

If all this we tend to sell a product, extolling the product, well now we are trying to change the way, not to sell but we position ourselves on the side of the prospective customers.
We really put yourself sincerely and genuinely sincere in the position as a potential customer. 

Try to learn to understand the prospective customer with sincerity, give attention to the sincere and honest, throw away while thinking about the commission, but it was really from the heart of the most genuine, sincere we want potential customers to have protection, so that when the risk of candidates customers will have no trouble.

The bottom line is we give sincere concern for the future of prospective customers, prospective customers love us just as loving ourselves, and prospective clients to feel that we are a people who love and care sincerely for their future, then I am very sure there are no reason for prospective customers to postpone what we have to offer, especially it is beneficial for them.

dear to prospective customers, empathy, feeling what the prospective customer to really feel the prospective customer feel that we are the people who love them, then I believe our mission as a partner, problem solver will be implemented well.

So my friend, I hope this article is useful for all of us.
success always.

 

Miraculous accounts of insurance

Miraculous accounts of insurance:

Talking about life insurance, it means we're talking future needs.
The future is in question here is the short-term, medium term and long term.
In terms of time, that human needs are divided into two parts, namely:

Present need:  

-food,
-drinks
-clothing
-and other living expenses

The need for the future:
-Cost of college education,
-pension costs
-The health costs
-and so on.

As long as we work hard, we fight for higher career, which actually needs which we strive.
Of course, the future need, because what we enjoy today is the result of a struggle in the past.
Well ... Speaking of the future, Who among us can know with certainty about the future? Course no one knows the future.
Each of us is no single person who can figure out how to shape the future . we can do is to plan and promote the future itself.

We are equally aware that life is not free from risks.
Risk is the possibility of a bad thing, which is not expected to happen, or a disaster in the future.
Such as illness, critical illness, total disability and death.
Yes ... we should be thankful that we are given the present health, so we were able to work, earn money, and the money we used to meet all the needs, and the rest is saved for the future, and to fulfill the dreams that we had planned.

But we realize that the money we had for the future tube, unsafe conditions, because any time there is a bad risks that might happen that we were going to spend the savings immediately.
If this happens the risk of what is happening with your savings last? Can run ... plainly what future do you want that?
In the future your age is getting older, morale has also been declining, then what about your retirement?
Are you going to hang life to your children?
Yeah ... hopefully your children are in a steady state, if not ...? How? Whether you will continue working into old age?

Well .. this is where the importance of life insurance.
Life insurance will protect the assets that you have so that any loss caused by a bad accident will not spend your savings last.
Due to the losses caused by the disaster has been borne by the insurance company.
Thus the pension plans will be achieved.

 

Benefits, the importance of life insurance for the community

Benefits, the importance of life insurance for the community:

In my previous post, we have learned about how important life insurance for individuals, now let's see how life insurance can provide benefits to the community as a whole.

Here is the way how the public can benefit from life insurance:

• Life insurance replacement Social safety net programs the government

Several governments around the world provide a safety net or social welfare programs to tackle the problem of unemployment, old people and refugees. (For welfare programs in Indonesia today is not valid)

If the majority of the population in these countries have a life insurance program, the problems of social welfare in the country will be reduced.

This allows the government to use some funds to be allocated to improve the welfare of the community well.

• Life insurance and stability of Community

As we have seen in the previous topic, the life insurance can reduce the anxiety of the individual, to their financial problems in the future, the possibility of financial loss in the event resiko.Hal can certainly improve the economic stability of the community.

So has life insurance certainly improve safety, the possibility of economic collapse, when disaster or risk going bad.

• Life insurance as a source of finance

Life insurance companies provide funding for new businesses, they also channel funds to the government to finance the construction of residential, agricultural equipment, roads and other insfratuktur long term.

So in addition to, in addition to a guaranteed amount of money, these companies also offer pinjaman.Hal can you emphasize when you are trying to sell life insurance to your potential customers.

• Life insurance and job vacancies

Life insurance is a business that combines a lot of expertise, such as insurance agents, brokers, insurers, (underwriter), accountants, auditors, and investment analysts.
Thus this business openings pekejaan for thousands of residents in the country.

• Life insurance and savings

Recognized or not is sometimes difficult for us to prepare for long-term funds or savings, it if we save money in a very easy to attract funding.

Well for that, life insurance is one way of saving for the future needs.

• Life insurance is one way of saving money.

By encouraging people to buy a life insurance policy, indirectly insurer / insurance companies, encouraging them to be disciplined to prepare for their long-term funding requirements.

Underwriter / insurer also help channel savings to fund domestic investment.

• Life insurance for the public happiness

A happy society, will form a happy individual, and sebaliknya.Asuransi soul tries hard to create it.

By providing financial compensation if an individual is at risk then the problem of financial collapse because of the risk can be resolved.

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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.

 

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.