Whether you are a new agent or a while, the big bad world to market the service and the necessity to cover the assets will periodically attack at your doorstep. Do you think that the two are separate issues? Absent. What you do in this industry, what you need to influence new customers is to avoid annoying you. This is the reason we created this checklist! Some items may seem obvious, but it is strange, but it works well. It is also important to review it so that it stands out.
___ Focus on customer service and customer satisfaction the first .
___ Include all facts necessary for clients to make informed decisions.
___ I sell to my client, not my client. My approach is Solution base ; We help you solve your insurance dilemma by knowing customer needs and financial objectives.
___ Three questions Make sure my customers understand the products I recommend:
· Have you given me all the information necessary for the decision?
· Is this information or policy meaningful?
· Is there something else I can answer to guarantee that this is an appropriate solution based on your needs and goals?
___ Pay close attention to the needs of my clients Liquidity . Avoid products that do not meet the customer's timeframe, and supplement those that are insufficient for specific needs.
Spend Extra time in client application - A serious problem that mistakes invalidate the policy. I confirm that customers understand the importance of accurate information and the derivation of mistakes, especially intentionally the wrong information.
___ If you can not make it, please do not promise full coverage. Rather, I will endeavor to provide the most to clients Correct coverage available At the time of sale .
___ When I find my absolute best spot Distribute the coverage gap Even though it means that my customers have to purchase additional coverage elsewhere. My silence on insufficient provisions and coverage gaps is the same as lies.
___ If it is within my authority, we will provide it to customers immediately or conditionally.
Always explain about the wide range of options available in the policy I sell.
___ I understand the difference in policies that I sell and carry Specimen policy Answer specific questions about coverage and terms.
___ Always use Reasonable attention Follow through when acquiring coverage. And I always act Standard Other agents in the same field
___ Please never make promises beyond the limits of the policy I am selling.
___ In all my advertisements, my insurance company 's pre - approval, insurance company identification, accuracy and truthfulness, realistic illustrations and quotes, fair comparisons and competitive reference, actual achievements and Awards, and individuals that I work closely with. Also, in my advertisement, I misunderstand the client using words, letters, initials, symbols and other devices used by government agencies, charities, etc.,
___ To alleviate client disputes, Use client disclosure agreement I accept the restrictions of my service, denied policy options, as well as customer refusal to request external taxes and legal advice. Publishing public policy on publication (at website and my office) and publishing it as advertisement or still picture is useful when forgetting to present written disclosure form.
___ Display all pages of printout Follow stringent instructions when using illustrations to illustrate to the client that they will not guarantee future policy performance. Also, be careful not to emphasize or change illustrations. Regardless of any sacrifice quotations or suggestions, I'd like to avoid words that mean that the estimate matches a specific range and that the client is the subject.
Always Specimen policy The item I am selling or trying to sell. I studied these policies, Know what they say And Say what they mean The ambiguity of policies and presentations is not determined by my favor in conflict.
___ I want to learn as much as I can Underwriting products I am selling it to better arrange the coverage of customers' coverage in an appropriate and effective way. This is an insurance transaction Time is working for my clients .
_____ If I say that I have Special knowledge and expertise In the field and products, I High level care In any dispute in which my client depends, I must prove that my special skill has been properly used according to the rules of fairness and belief responsibility.
___ I am the insurance company that I represent Economical solvent At the time insurance is applied for my clients. Monitoring of solvency after sale may not be a legal liability, but it is a good measure of "priority business behavior".
___ I will explain how to protect my personal information and financial information entrusted to my clients by establishing my own privacy policy and why.
___ Insurance company or product safety Because of the existence of state guaranty funds.
___ Please do not make false or derogatory statements about other insurance companies or optimistic agents.
___ I witness the witness to sign the document and do not throw them away or mail them for signature after simply not leaving a testimony.
_____ Since I am a "priority business behavior" issued policy, I will endeavor to provide it personally as soon as possible.
___Develop Standard operation procedure and operation manual Consistently support how to handle all clients, handle premium payments, document client conversations, review client policies, process applications and cancellation, and respond to client queries and complaints .
___ Maintain contact with good customers and always respond to letters, phones, voice mails and emails. And since I am aware of it All communication with the client will be considered Ad My words will clearly balance the benefits, costs, limit amounts and words clearly and balanced well.
___ Please take seriously the complaints and concerns from all clients and make sure they are resolved fairly and quickly. In the event of a dispute, I will not attempt to solve the case or ignore my mistakes or missing obligations of the carrier.
___ We will respect your privacy and protect the information I collected. To do never Make derogatory remarks to clients' files and reveal personal information.
___ As always written notes on proposed or proposed actions, write notes in the client's file and I will create a paper trail for all conversations and reminders.
___ Please check the contents of the client's annually. I recognize that there may be legal and ethical obligations to monitor the validity of these policies if there is a special relationship or long-term relationship with the client After sale .
___ My client confirm that some replacement policy is useful and understandable. And, I Document the reason The exchange policy helps the client's needs and purpose rather than maintaining the old policy.
___ Please observe all the laws and regulations in my area.
___ I will not affect having customers or prospects lose rights, privileges or interests under federal, state or local laws if they do not reply to my letter to sell.
___ I will not use my address to deceive my real identity, place, license status, or insurance company 's.
___ I will not use this term Seminar, class, information meeting If you are using practically equivalent terms, if it is true that you sell insurance without adding that word, Insurance Presentation It follows the same type of size and font terminology.
___ I am doing business Senior citizens I pay particular attention to avoid fears and intimidation that may suggest that some benefit has been lost from Medicare or Medicaid in some way. I voluntarily withdraw the allegation if I realize that future senior customers may be short of short-term memory and judgment to intentionally purchase insurance products.
___ I will not restrict or limit that my client or future client will have other people attending the meeting, such as family, financial adviser, attorney.
If you meet in the client 's house, I will properly notify him that I am coming by phone or in writing.
___ At any meeting, my client always respects the right to terminate the meeting at any time. And / or I will leave the client home right after leaving the discussion.
___My Agency contract Includes all duties and responsibilities.
___ If you are introducing a client to another expert, refer only to what seems to be trustworthy and let the referral expert make your actual discovery related to your client's needs and goals.
___ I also remember it. Credential We must always do reasonable care, skills, diligence for them.
___ I will become a student with consumer protection problems and "agent corruption" because I can learn a lot about correctly serving clients from mistakes others have made before me.
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