Every insurance agent should know how to communicate with old clients and approach new leads. Every salesperson must sell insurance like it is a product that everyone needs. Some people will have uncertainties about the process of becoming insured. A life insurance sales provider must know the right answers to common questions.
Do I need insurance?
Say that everyone at some point needs insurance to protect a car, home or boat. Some states have mandates that force people to get insured. Almost all drivers are required to get insurance even if they have driven for decades without a single accident. Next, describe the full benefits of life insurance. As the representative of an insurance company, explain the full benefits and drawbacks of each insurance option. Lay out the different types like term and permanent insurance. However, do not overwhelm or underwhelm people with technical details. Ask about personal details like age, health, income and medical history so you make the most accurate recommendations.
Should I get insurance if I am in good health and do not have children?
Convey the idea that everyone may need life insurance. Healthy, childless people do not need it now, but people age and health declines. In the future, they may have to care for dependents of deceased family members or friends. Nothing in life remains constant, so life insurance will always be a possibility.
Can I choose more than one policy?
As a salesperson, avoid pushing a load of policies onto your client. It is necessary only to choose the policy that provides enough coverage. Do not make a person pay for features that are not needed. Almost all insurance providers allow the use of several policies at once. Go over the benefits of each plan, and make sure that your client is covered in full.
Know the common questions that life insurance leads ask and prepare the best answers for them. Personalize a plan for every client that includes estimated costs of monthly premiums and other expenses. Before you look for more leads, be able to provide the most valuable answers to the right customers.