company auto insurance Already know the characteristics of life insurance agents that will harm you as a client? Let's find out the five characteristics and what to do to anticipate them! Roy, Skip Buy Insurance A few days ago, I met one of my friends who work as life insurance agents. That afternoon we met at a cafe, in the central area of ??Jakarta. While brewing a warm latte coffee, we told each other. My friend told me a very interesting story, his experience as a life insurance agent. I asked my friend:
"Over a career of more than 12 years in the insurance industry, company auto insurancevare there any clients who feel cured buying life insurance?" My friend told me that he once "muangkkeelll" (read: very angry) to one of the agents below him. Because of this agent's agent, one of the clients felt cheated and cured buying insurance. company auto insurance My friend started the story with the incident 5 years ago. Around 2013, life insurance companies are very aggressive to offer unitlink life insurance products. At that time, one of his agents offered unitlink products to a man named Roy (not his real name).
company auto insurance At that time his agent offered an attractive offer, "an investment that provides a bonus of protection." The investment proceeds can also be higher than the deposit rate at that time. Who is trying to people who are not interested? The investment is higher than the deposit rate plus there is a bonus of protection.
company auto insurance 5 Characteristics of Life Insurance Agents that Will Adversely Client 1 My finances In addition to offering protection, unitlink insurance also offers investment benefits, where the cash value of collected customers will be invested in units in an investment instrument. One of his potential clients is Roy, a business owner in the culinary field. At that time Roy was looking for a profitable investment. At least the investment can grow bigger than deposit interest.
Long story short, the agent presents his product by showing projected profits. At that time Roy saw the investment returns are really very cool. Do not think too long, finally Roy agreed to buy a unitlink policy, with a premium of Rp1, 5 million per month. Running time, month turns month and year to year. In the third year Roy was surprised to see, the investment results are very disappointing, "arguably almost nil".
Roy protests and calls his agent with emotion: "This fad wants to cheat me huh? This really the result of the investment cupu once. It seems my money is missing all? Where is the investment? Do you have exactly the same illustration as you? You I report it to the police, do not mess with me. " The agent explained: "In the first five years there is no acquisition cost. It's only a two-year road. I've told you. " company auto insurance
Roy replied:
"Just back my money or you will report to the police. You fraud me! " The agent panicked and finally took my friend (as a senior agent) to meet with Roy. My friend tried to study his case from the agent side. The next day my friend met Roy and heard his case from the client side. At first Roy, got angry with my agent and friend. My friend explained that the purpose of his arrival was to find a solution, not to add to the worse.
Having explained in more detail, my friend said it was purely misselling (wrong information on sale). Long story short, Roy asked the existing policy is closed. My friend offers, all paid premiums will be returned with personal money. From there my friend got a very expensive lesson. Apparently there are a lot of unscrupulous and unprofessional life insurance agent. Many life insurance agents neglect the great task, which is to educate agents under it to become a professional company auto insurance
That afternoon, I also took many lessons from my friend's experience. I remember similar cases of mistakes that have occurred in Indonesia. In order to avoid a life insurance agent that is not honest and unprofessional, please refer to the explanation below to know the 5 characteristics of life insurance agents that will harm you as a client. Before going to the next explanation, have you ever had a CASH BUY INSURANCE case? Please share your experience in the comment field yes, who knows we can all learn from your experience.
5 Characteristics of Life Insurance Agent that Will Adverse Clients
Here are 5 characteristics of life insurance agents that would harm clients:
# 1 Focus on BONUS and Personal TARGET
Some unscrupulous life insurance agents act unprofessionally. Instead of suggesting the right solutions for clients, they are selling according to personal goals. They focus on achieving personal goals and want to get holiday bonuses. My advice: Get a life insurance agent's recommendation to your acquaintance or financial planner.
# 2 Do not Know Client Candidate
There are also unscrupulous life insurance agents who do not want to hear the needs of clients. They focus on selling according to their scripts or targets. This second mistake can happen because: Agent unprofessiona You as a client, do not know what you are buying After that access the Q & A menu
Select the financial planner you want to go to.
# 3 Crash Running Rule Play (Misselling)
The third mistake is a fatal mistake, in which unscrupulous seller agent misrepresents the product. Like Roy's case example above, the insurance agent describes the unitlink product as an investment product. My advice: After you buy an insurance product, you will get a policy (life insurance contract). Read through the contract! You have a time limit of up to 2 weeks to cancel the contract.
# 4 Do not Know Products
There are also unscrupulous life insurance agents who do not know the product. Usually this error is caused because there are unscrupulous new agents who do not want to join the product introduction class. So they only know a little product. This certainly can hurt the client, because unscrupulous life insurance agents provide solutions for clients. My suggestion: Cases like these can be anticipated if you know your needs. If you know what protection you need, then the agent will tailor the product to that need.
Policy-Insurance-Missing-02-Finansialku
Understand the insurance policy before you buy it, so you are confident that the insurance meets your needs and you know what benefits you can have in the event of undesirable risk.
# 5 No Clear Calculations
The last mistake is that insurance agents do not do a clear calculation. For example, the need for sum assured. I have reviewed my client's insurance policy. I was surprised, because my client only given the sum assured Rp50 million. Though he is the backbone of the family with the tuition fee of two children. Where is enough money Rp50 million?
My advice: I recommend that you know about the financial planning needs. Please download a collection of financial planning ebooks from my finance. There is an ebook for those in their 30s and for those in their 30s. Conclusion: Understand the Ins and Outs Before You Buy Insurance
Thank you in advance for reading this stage. I as a financial planner do not hate life insurance products, such as unitlink. In many ways unitlink products provide benefits. My message to my friends: company auto insurance
If you are a client (who wants to buy life insurance), you should first know your needs. Find out through Google, relatives, and financial planners about products that suit your needs. If you are a life insurance agent, I want to emphasize that priority is the client's requirement. When clients are satisfied, your business will be more sustainable.
"Over a career of more than 12 years in the insurance industry, company auto insurancevare there any clients who feel cured buying life insurance?" My friend told me that he once "muangkkeelll" (read: very angry) to one of the agents below him. Because of this agent's agent, one of the clients felt cheated and cured buying insurance. company auto insurance My friend started the story with the incident 5 years ago. Around 2013, life insurance companies are very aggressive to offer unitlink life insurance products. At that time, one of his agents offered unitlink products to a man named Roy (not his real name).
Company Auto Insurance 5 Characteristics of Life Insurance Agent
 |
| Company Auto Insurance 5 Characteristics of Life Insurance Agent |
company auto insurance 5 Characteristics of Life Insurance Agents that Will Adversely Client 1 My finances In addition to offering protection, unitlink insurance also offers investment benefits, where the cash value of collected customers will be invested in units in an investment instrument. One of his potential clients is Roy, a business owner in the culinary field. At that time Roy was looking for a profitable investment. At least the investment can grow bigger than deposit interest.
Long story short, the agent presents his product by showing projected profits. At that time Roy saw the investment returns are really very cool. Do not think too long, finally Roy agreed to buy a unitlink policy, with a premium of Rp1, 5 million per month. Running time, month turns month and year to year. In the third year Roy was surprised to see, the investment results are very disappointing, "arguably almost nil".
Roy protests and calls his agent with emotion: "This fad wants to cheat me huh? This really the result of the investment cupu once. It seems my money is missing all? Where is the investment? Do you have exactly the same illustration as you? You I report it to the police, do not mess with me. " The agent explained: "In the first five years there is no acquisition cost. It's only a two-year road. I've told you. " company auto insurance
Roy replied:
"Just back my money or you will report to the police. You fraud me! " The agent panicked and finally took my friend (as a senior agent) to meet with Roy. My friend tried to study his case from the agent side. The next day my friend met Roy and heard his case from the client side. At first Roy, got angry with my agent and friend. My friend explained that the purpose of his arrival was to find a solution, not to add to the worse.
Having explained in more detail, my friend said it was purely misselling (wrong information on sale). Long story short, Roy asked the existing policy is closed. My friend offers, all paid premiums will be returned with personal money. From there my friend got a very expensive lesson. Apparently there are a lot of unscrupulous and unprofessional life insurance agent. Many life insurance agents neglect the great task, which is to educate agents under it to become a professional company auto insurance
That afternoon, I also took many lessons from my friend's experience. I remember similar cases of mistakes that have occurred in Indonesia. In order to avoid a life insurance agent that is not honest and unprofessional, please refer to the explanation below to know the 5 characteristics of life insurance agents that will harm you as a client. Before going to the next explanation, have you ever had a CASH BUY INSURANCE case? Please share your experience in the comment field yes, who knows we can all learn from your experience.
5 Characteristics of Life Insurance Agent that Will Adverse Clients
Here are 5 characteristics of life insurance agents that would harm clients:
# 1 Focus on BONUS and Personal TARGET
Some unscrupulous life insurance agents act unprofessionally. Instead of suggesting the right solutions for clients, they are selling according to personal goals. They focus on achieving personal goals and want to get holiday bonuses. My advice: Get a life insurance agent's recommendation to your acquaintance or financial planner.
# 2 Do not Know Client Candidate
There are also unscrupulous life insurance agents who do not want to hear the needs of clients. They focus on selling according to their scripts or targets. This second mistake can happen because: Agent unprofessiona You as a client, do not know what you are buying After that access the Q & A menu
Select the financial planner you want to go to.
# 3 Crash Running Rule Play (Misselling)
The third mistake is a fatal mistake, in which unscrupulous seller agent misrepresents the product. Like Roy's case example above, the insurance agent describes the unitlink product as an investment product. My advice: After you buy an insurance product, you will get a policy (life insurance contract). Read through the contract! You have a time limit of up to 2 weeks to cancel the contract.
# 4 Do not Know Products
There are also unscrupulous life insurance agents who do not know the product. Usually this error is caused because there are unscrupulous new agents who do not want to join the product introduction class. So they only know a little product. This certainly can hurt the client, because unscrupulous life insurance agents provide solutions for clients. My suggestion: Cases like these can be anticipated if you know your needs. If you know what protection you need, then the agent will tailor the product to that need.
Policy-Insurance-Missing-02-Finansialku
Understand the insurance policy before you buy it, so you are confident that the insurance meets your needs and you know what benefits you can have in the event of undesirable risk.
# 5 No Clear Calculations
The last mistake is that insurance agents do not do a clear calculation. For example, the need for sum assured. I have reviewed my client's insurance policy. I was surprised, because my client only given the sum assured Rp50 million. Though he is the backbone of the family with the tuition fee of two children. Where is enough money Rp50 million?
My advice: I recommend that you know about the financial planning needs. Please download a collection of financial planning ebooks from my finance. There is an ebook for those in their 30s and for those in their 30s. Conclusion: Understand the Ins and Outs Before You Buy Insurance
Thank you in advance for reading this stage. I as a financial planner do not hate life insurance products, such as unitlink. In many ways unitlink products provide benefits. My message to my friends: company auto insurance
If you are a client (who wants to buy life insurance), you should first know your needs. Find out through Google, relatives, and financial planners about products that suit your needs. If you are a life insurance agent, I want to emphasize that priority is the client's requirement. When clients are satisfied, your business will be more sustainable.
Tidak ada komentar
Posting Komentar