| Insurance customer service satisfaction is more | | | | Sell anyone you meet. Sell whatever insurance |
| of a guess than a test. With a full life and health | | | | you want. Sell wherever there are people around. |
| insurance portfolio, how do you gain customer | | | | Sell if the premiums are low; sell if the premiums |
| satisfaction, if you do not know what insurance to | | | | are high. Sell your long lost cousin's best |
| sell? What type and how much insurance is a | | | | nephew'Sell anyone in the phonebook with the |
| challenge even for a genius. | | | | same last name as yours. Your manager does |
| To keep things simple, instead of 50 policies to | | | | not care if your client will benefit or not. The |
| sell, you only have an essential six pack. These six | | | | name of this over 100 year game is to prospect |
| include whole life insurance, term life insurance, | | | | for potential customers how ever you can, |
| major medical hospitalization, disability income | | | | promise them the moon, and then hard pressure |
| coverage, long term care, and a retirement | | | | them into purchasing what ever insurance you can |
| annuity plan. Example: The client is a single | | | | get away with selling. What are the chances an |
| 45-year-old non-smoking male with respectable | | | | agent sold the right insurances based on the |
| health and social habits. He has just became | | | | client's true premium capability? Would the |
| divorced, and now has no insurance at all. He could | | | | insurance be correct on first meeting a prospect, |
| write out a $6,000 check to either you (a | | | | or when meeting a client for a complete policy |
| stranger) or his nephew (a 3-year life agent.) to | | | | review? |
| handle all the costs. Your ego tells you that there | | | | SELL THE SIX PACK |
| is no way you are going to lose this opportunity. | | | | The high risk/ high need six pack of key essential |
| WHAT WOULD YOU DO? | | | | benefits should be examined by every family. |
| If you only sold the highest commission plans, the | | | | Sure, they are always the most profitable policies |
| prospect would suffer from lacking parts of the | | | | compared to others in the portfolio for the |
| package insurance plan. In addition, if you only | | | | insurance company. Those plans that have the |
| selected companies with the highest financial | | | | highest potential to pay out far more benefits |
| ratings, you might end up using extra premiums, | | | | than the client paid in, rare are the moneymakers. |
| needed for other coverage. Unlike car and | | | | There are very few clients without a missing link. |
| homeowners insurance, there is no big discount | | | | We need insurance planners first, financial planner |
| for purchasing all the plans with the same carriers. | | | | second. If an insurance planner sees a key policy |
| This is not "rocket science" financial advisor | | | | missing, and others substituted those of lesser |
| material, or is it? I bet you Never had this | | | | meaning, then immediate action must be taken. I |
| insurance customer satisfaction test before. | | | | could have been nicknamed the Destroyer. I |
| Most clients have a supposedly completed | | | | destroyer, wiped-out, eliminated, and replaced well |
| insurance puzzle. Upon viewing, you will see huge | | | | over 300 policies a year. These were substituted |
| gaping holes and large jagged overlaps showing. It | | | | with policies from the essential six pack. I had a |
| is easy for an agent to simply slap on another | | | | very high level of insurance customer satisfaction |
| odd shaped piece. The genius test here is to | | | | based on the fact most of my policies renewed |
| make sure the puzzle fits together with only | | | | for 15 to 20+ years after no longer being a |
| pinhole gaps and pimple-sized bumps. Chances are | | | | writing agent. |
| you might possibly be able to come up with a | | | | I did not care if other agents liked me, as not |
| solution within 24 to 36 hours of hard work. Yet | | | | many lasted more than a few years. My clients |
| you could an anytime policy in two hours. The | | | | liked me, and rewarded me with a steady stream |
| difficulty starts with taking the first step, putting | | | | of renewals. As with insurance companies, I did |
| yourself in your prospect's shoes. Next look | | | | not care if they had as high of a rating as AIG |
| through your prospect eyes, yours are too | | | | Life Insurance Company. Insurance companies |
| blurred with $$ signs. | | | | providing great benefits at a fair price, is an |
| INSURANCE CUSTOMER SATISFACTION | | | | unseen rating earned by treating agents and |
| TRAINING | | | | clients right. I was never taught the "six pack" |
| If you have been fortunate to have a smart | | | | golden rule of becoming an insurance planner. I |
| manager, you would now be a smart agent. And | | | | wish I had. I know of no company or coach that |
| one capable of solving the high price puzzle | | | | teaches it. However if you want career |
| without losing all your hair. Immediately as an | | | | professional status, this six pack is foaming with |
| insurance newcomer, you are commanded to sell. | | | | financial rewards and satisfaction. |