Seven Habits of Effective in selling insurance : BE PROACTIVE

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

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

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 :

1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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

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 )

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

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

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

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.