Kamis, 25 November 2010

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.



Senin, 15 November 2010

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