I'm often asked how to decide what to sell a prospective customer.
Believe it or not, that also comes from the veteran agents. There are
so many companies with so many products, you have the pros
Wizard just to keep with the changes. But who am I kidding,
Employees take your commission, is not it? We save that ll
Argument for a different question.
So, if this person sits in front of you worried when you
Force them to buy something like the last man who asks what you think
You need the basic question you must ask, the perspective is that
Now - Are you in the protection mode, or you are in the mode? When
They see in you funny and ask what you mean, explain.
People buy life insurance for two reasons. One - they're looking for
for a way to protect the people and the things they love.
We hope they love their spouse, their children and those with other
the household income. Love you enough money to in case of
an early death.
Maybe they love their homeland so much that they want it paid off and
which are to be sold. Entrepreneurs love their shop
so expensive that they want to protect it, will be liquidated.
You may also want to protect some of the most important people in this business,
When they die, it won t be disastrous for the company. These
rich people questioned want the estate tax to protect their
Assets to Uncle Sam. Set up your perspective again
may be in protection mode.
Two people reason to buy life insurance and things
the people they love. (See the first reason for the laundry list of
Lovers.) But now the children are grown, the house is paid in the vicinity
from, the shop is very little debt to the need to find
Performance by the transfer sets in. People want to leave a legacy
Their church or favorite charity. Maybe they want a Trust
Fund for their children or grandchildren. You see, we are in a time of plenty. The people have money, but they are happier when they do something for those who love her.
MONEY Magazine s survey on money and happiness, that when people make
charitable contributions on a regular basis, they are happier,
exudes confidence and more content than those who did not. They
, by MODE.
As you with new perspectives and behaviors Customer evaluation in the next
Month, try it with the basic approach to life insurance. You can
will be surprised what you find.
Protection mode, or fashion: Why people buy life insurance.
Jay Stubbs is an experienced Financial Services Sales Director and member of the million dollars Qualifying Round Table.
For further information, sales ideas, advice and consumer articles, visit Jay's website.
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