In this article I will not go into to much detail on methods for either health or insurance protection. If you're a itc agent you'll hopefully learn how by your mentor. If you're a veteran talk to your a refresher course. Despite, I will go over things i think are important fundament features of both health and wellbeing that make those units "internet friendly". Both health and wellbeing insurance are intangible items, meaning the client doesn't verify or touch what they are buying. What they are buying carpeting CONCEPT.
The concept is when they incur a medical expense, some portion of to obtain covered by the insurance policy coverage or when they die the actual company will pay money regarding the beneficiary. When selling online you do not have the luxury of seeing body gesture or facial expressions so you really sure your client is on a single frequency as you, longer than in a face to stand situation.
There are some rudimentary facts about health & life insurance that you need to make sure you educate your online prospects about to allow them to are on the same page although during the online spoken communication.
o EVERY health insurance plan carries a hole in it. Is the right, there's no health attention that includes EVERYTHING to be able to provide what I eat even more comprehensive coverage. It's the agent's job to understand where the holes are generally, make them evident towards the prospect, then show the prospect how, if possible, they can indeed plugged up to supply you with the most comprehensive coverage with regard to their lowest monthly premium.
o The lower the deductible the higher the premium and visa versa.
o A PPO is far greater option overall than some HMO.
o Plans with fixed co-pays with the routine office visits could prove costly. So this is a vital area where if you certainly explain the economics (see descrip . 10), you can show the sufferer monthly premium savings.
o In most states whenever the applicant is insurable, group health coverage insurance is ALWAYS more expensive than individual (unless the employer is inside of costs) why? Mandatory children and guarantee issue.
o Dental funds are an absolutely worthless payment (use an HSA to fund dental expenses) the exception is if group dental is offered of the employer's group plan.
o Put Mom by hand plan covering maternity should they plan on having more children (more over it in Chapter 10 for your personal ebook "How to Your own Own Online Insurance Agency).
Rick Liuag spent over 19 years as an executive for some telecommunications and technology companies just before you start his own online insurance agency in 2004. He became a top individual producer for mulitple companies every year since 2005.
In '08 Mr. Liuag founded Primary Resources Inc. A company designed to coach and mentor insurance agents approach market and sell more health and wellness insurance online. In 2009 he authored the publication "How to Build Your Online Insurance Agency", an interactive training manual on the amount web based tools and techniques work best for reps to prosper in your new internet economy. Learn much more the ebook at online world. Theautomaticagency. com www. Theautomaticagency. net or visit his websites at www. theautomaticagency. biz/blog www. theautomaticagency. biz/blog.
No comments:
Post a Comment