Insurance Agent Forum

[Mr. Bill]

I guess that would depend on whether you have a "laundry list" of what you do (like I do) or sell mortgage protection only.

There's no way a prospect knows in advance everything I do. There are days when even I don't know everything I do!

[moonlightandmargaritas]

Originally Posted by CHUMPS FROM OXFORD

I have always clearly identified the type of work I do before ever setting an appointment with someone.

Truly the professional, "straight-up" way to play it.

Those that don't either; don't feel good about what they do, or have that philosophy that the prospect is best served by being tricked into letting them get in there and "sell something"...

[Markingriffin]

The good thing is that you can use this idea and make it your own. You do not have to do it the way that I do it. Just pick out the parts of the idea that you like and use it. If you don’t like a part of this idea, you can just change it with the way you want to do it.

I have never had anyone say to me that I tricked them after I am done at the fire station. If they do not buy anything, I still did something good for people that deserve it and usually I have a great time. They are always grateful that I came to help them and brought them a free meal and a good conversation.

[somarco]

There are days when even I don't know everything I do!

Consume less alcohol.

It helps.

[Mr. Bill]

Kidding, right?

Work is the curse of the drinking classes.

Oscar Wilde.

[robliano]

I think many people miss the point here.

Give all that you can and you will never have to worry about your career.

Give out as much free stuff as possible, whether it's advice, a $250 rider, a free rx card, pizza, gas cards, the $4 walmart drug list, education, etc. This positions you to receive. And works without fail if you're genuine and sincere, so take note.

The more you give the more you get.

Put the wood in and the heat will come!

And this is a thought to consider:

• A bad salesperson gives just enough service in both quantity and quality to justify the money it takes from the client.
• A good salesperson strives to give the most quantity and quality to justify the money it takes.
• The best salesperson strives to stand above the rest, providing higher quality of service than any amount of money can pay for!

[Supercrew]

Originally Posted by robliano

I think many people miss the point here.

Give all that you can and you will never have to worry about your career.

Give out as much free stuff as possible, whether it's advice, a $250 rider, a free rx card, pizza, gas cards, the $4 walmart drug list, education, etc. This positions you to receive. And works without fail if you're genuine and sincere, so take note.

The more you give the more you get.

Put the wood in and the heat will come!

And this is a thought to consider:

• A bad salesperson gives just enough service in both quantity and quality to justify the money it takes from the client.
• A good salesperson strives to give the most quantity and quality to justify the money it takes.
• The best salesperson strives to stand above the rest, providing higher quality of service than any amount of money can pay for!

Excellent advice from an obvious PRO!

[robliano]

Not totally there yet but getting there, still, thanks!

Originally Posted by Supercrew

Excellent advice from an obvious PRO!

[Markingriffin]

U.S. accidental death rate climbing - More health news

This is a great story and video on accidental death rate climbing in America. Watch the video.

You can target clients that just bought a new motorcycle or own a motorcycle. We use to joke around and call people that just bought a motorcycle “organ donors”.

My wife will not allow me to own a motorcycle. She said I would get killed on one. Knowing me, she is right. I've almost died a couple of times riding my 4 wheeler. What if I could tell some of these wives that if something happens to their loved ones while driving that motorcycle or any accident, that we could help them and make sure the family would still be protected in the event of his death.

I own one of these policies. It makes my wife feel better when I go off on the 4 wheeler. I plan on not dying and getting all of my money back. But if something does happen to me, this will help along with my other polices.

If I were a p & c agent that also sold life insurance, I would have this video playing at all times on a loop. The video would give you a reason to talk to them about accidental death coverage. I have a big lost post to help p and c agents, that if I see some of those agents wanting more info, I will post later.

[Charm]

Mark - please do post the P&C info. I'm new in biz and am learning more from your posts than any other source!

Thank you!

[myinsurebiz]

What kind of commissions on the accident product?

Tom

[moonlightandmargaritas]

What kind of commissions on the accident product?

Same as the living will.
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Originally Posted by Markingriffin

My wife will not allow me to own a motorcycle. She said I would get killed on one.

If you can qualify financially, put a couple of million of cheap term in force on yourself.

Not only will she let you get a motorcycle, she'll probably buy you one!

[Markingriffin]

Originally Posted by myinsurebiz

What kind of commissions on the accident product?

Tom

Street Level is 100% with 2% renewals on the accident product.

http://www.rosenthalfinancialservice...ntract_uhl.pdf
There is the contract. It has all the commissions for every product on the contract. It is a free contract.

Also you don't have to see any client face to face on all of their products.

If you would like to learn more about them, just contact me.

Mark Rosenthal
markcrosenthal@aol.com
www.realfastservice.com
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Originally Posted by moonlightandmargaritas

Same as the living will.
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If you can qualify financially, put a couple of million of cheap term in force on yourself.

Not only will she let you get a motorcycle, she'll probably buy you one!

We use to talk about getting a divorce. But then we started fighting over the kids.

I don't want them and she is afraid if I left her, she would get stuck with them. LOL

I don't think she wants me dead, because of the kid thing.

[somarco]

Any chance this has (or will have) an online app?

[Markingriffin]

Originally Posted by somarco

Any chance this has (or will have) an online app?

You can fax,mail or email them the application and the client send it back to you. You don't have to see them face to face.

They don't have an E-app right now. Because they can't do an e-signature yet. But I've sold some of these over the internet myself and just allow the client to fax or mail it back to me.

Mark Rosenthal
markcrosenthal@aol.com
www.realfastservice.com
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Originally Posted by Charm

Mark - please do post the P&C info. I'm new in biz and am learning more from your posts than any other source!

Thank you!

This is meant for the p & c agents that also have a life insurance license.

I’m going to show you how to cross market you clients. We are going to be working your existing clients. My idea is to sell the accidental death product to your p & c clients.

I’m going to use me as an example. I’m an avg car insurance client. I spend over $350.00 a month on my car insurance to insure if I have a car accident, that the car insurance company will fix my car. I have the coverage because I’m worried protecting my cars. People have wrecks all the time. I see a car accident just about everyday. I’m worried to death that I could be in a car accident. That is why I always wear my seatbelt and buy some of the safest cars on the market.

Let’s review; I’m spending over $350.00 a month to protect my car in case I have a car wreck. But if I stop and think about it, I need to protect something besides my car if I have a car wreck. I need to make sure that my family is protected in case I don’t come home from the car accident. I need someone to remind me that my family also needs protecting from car accidents. People dye everyday in car accidents. But we get so use to see them, that we don’t think anything of it. My brother Chuck was 26 years old when he died in a car accident.

If I’m willing to spend $350.00 a month on car insurance to protect my car, why not spend $22.79 a month to protect my family from the car accident? Makes sense after I put it that way doesn’t it? In like car insurance, if I don’t need the protection, I will get all of my money back in 20 years.

The clients already know who are you and you are already helping them. I have came up with a short sample letter that you could send to your clients that reminds them that they need to also protect their family members and not just their cars.


Dear Valuable client.

I would like to start off by thanking you for you business. If you ever need anything, just let me know.

I would like to also thank you for trusting me to insure your car and making sure that if you have a car accident that I will be there to help you and protect you.

But I would like to do more then just protect your car in the event you have an auto accident and don’t come home from it. You already trust me to protect you automobile, but I want you to also trust me to protect your family from the same car accident.

For just $22.79 a month or $245.00 a year, I can give you $100,000 day one coverage that will increase at least $5,000 a year for 20 years. It will end up doubling to $200,000 in year 20. I hope that you will never need this coverage, and the great thing about this plan is that if you don’t need the coverage within 20 years, at the end of 20 years we will give you all of your money back.

I hope that you will never need this extra protection, but if you do, I will be there to help protect your family from this wreck. I hope that you will never need this protection.

Look at it this way, if you never use this coverage, you will get all of your money back.

This coverage also covers all accidentally deaths.

I also have normal life insurance polices that cover your family no matter how you die.

END OF LETTER

I’m not saying that you should copy my letter word for word. This is a fast rough draft that gives you the idea.

Mail this to all of your clients. If nothing else you are thanking them for their business and reminding them that you are in the insurance business.

I’m going to end my idea here. I don’t want to bore the people that are not p and c agents.

Mark Rosenthal
markcrosenthal@aol.com
www.realfastservice.com