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Data:2009-12-12 2:34
In the "wine must ground crying," the market-and customer-oriented era, we are actively Maner information published and advertising. In the usual, "Mrs. Wang Selling what you do, self-puff" method before the advertising companies in the professional counseling, there is no insurance company will promote the advantages of its own before the
On the first list their own shortcomings, an insurance agent is no exception.
Insurance purchase insurance in the order of a professional should be like this:
1) First, pick an insurance company for their own good as their main insurance contracts;
2) Then select a good insurance agent as their insurance paid consultants;
3) Finally, the insurance agent is the assistance and recommendation of the selection of a specific portfolio of insurance products, thus timely and effective manner to achieve our purpose of insurance coverage.
Can be seen, the insurance agent is the insured and the insurance company as a bridge between, and its role in the process of the status of insurance can be said to carry great weight. So if the reed in the mouth in front of an insurance agent, the insured how to use the minimum cost, but get a good insurance, pre-sale and after-sales service do? In fact, this is a much-needed strength and skill issues. Professional insurance financial advisors have taught us a few very simple and practical test means, support the information we have numerous insurance companies to find good, especially a suitable agent.
We may try to raise three issues, analyze the four major factors to distinguish between the suitability of an agent himself.
1. What are you with to ensure the long-term services?
This is the first one presented to the agent issue, but also easy to overlook 95% of customer issues. In fact, a prerequisite for quality services is the long-term stability of the service, so we must rule out all possible moment not able to provide our services to agents.
Analysis of moment can not be an agent of service
Foul offenders to all active or passive, to offer premium discounts, rebate and similar irregularities in violation of the agent, will lift the agency contract may have been the consequences. Impossible to bring long-term services.
Poor physical health is difficult to imagine a physically weak, sick or even be able to give our long-term services, because they are clay Buddha across the river, unable to help themselves.
Service time is too short to those who can not desire a lady over 65 years old, not retired, so that once the need to buy a medium to long term insurance products (which includes service), then the 30-year-old agent was significantly better than the 59-year-old agent.
Poor performance of the agent over a certain period of time before the performance difference will be automatically eliminated. If you choose to help regular people begging to buy insurance agents for their services is undoubtedly self-defeating.
Too many unstable factors in the family were a family relationship, and even its own vital interests are to take care of poor people, he can expect excellent care of our client's interests and relations?
For quick results of these populations are often unable to withstand the enormous pressure on the insurance marketing efforts, impatient for success, it is difficult to provide quality service.
Like job-hoppers in general, not a stable personality, career stereotypes of people do not really like job-hopping, it is difficult to honor a long-term commitment to serving our customers.
Poor successor of the company's agent, if the overall quality is poor, then once orphaned policy, then the successor of the service is compromised.
Products can be imitated model can be copied, but the professionalism, service attitude, and professionalism can not be replaced. A good agent is to make you feel a certain trusted. This is passed off, and then, we might ask a second question.
2. What do you think your professional quality is competitive, is unique?
Definitely good insurance agent will tell you: First, He is fluent in insurance, professional knowledge, and the second to understand customer needs, the third will co-ordinate a number of issues. Today, more and more extensive insurance products, while the insurance professional level, for many people is "Kuse difficult to understand" the. Accordingly, only a master professional knowledge of insurance agents in order to accurately understand the terms of the insurance, and we understand its relevant laws and regulations, the timely processing of doubt, we can help customers secure belonging to customers of the legitimate, to maximize the interests of avoiding Objectively, mislead customers. In fact, the agent played the role of transmit messages to communicate with each other, so have a good professional is to tailor insurance programs customer premise.
At the same time, good insurance agent will appreciate other aspects of financial management information, including bank savings, financial and securities investment and industrial investment, and even to understand and grasp the legal, medical, IT and other aspects of knowledge.
It is obvious that the above second question is actually considered an agent of the IQ values, that is, IQ of the insurance. Next, we care about the last question is on the EQ (emotional intelligence) problems.
3. Do you think your insurance services, and word of mouth the keystone?
There is no doubt that professional knowledge is the foundation for this is the essence of the service, and word of mouth is the icing on the cake of the pen, is a friendly appearance.
Good word of mouth will certainly be an agent of a customer's point of view, the identity of a friend of the expert-level recommendations, rather than a purely business way. We would prefer to listen to the views of consultants modesty and prudence, as modest and prudent person in charge has had a relevant experience and the experience and foresight will not let us objectively committed obvious error. This can be from the agent's circle of friends have been tested, more to the customer base in the past to be reflected in, you can request an agent to provide the appropriate number of customers (witness) contact method for the validation. These easily from the company's Web site and third-party networks, and even search engines have been tested. The premise that you need an agent of good to a certain level.
End the test agent endurance, IQ and emotional intelligence, the need to we need to consider the following three key factors.
1. The exhibition industry in the certificate of nuclear agents (rather than the business card and eligibility certificate): record number, name, ID number, company name and the effective agent period, by telephone hotline, companies and industry associations web site system, as well as third-party search engine systems to identify and verify its legitimacy.
2. The agent's signature: to prevent an imposter's behavior to avoid the occurrence of the phenomenon of premium fraud.
3. Asked proponents of the right or proper reference to a teacher: only to those versed in life insurance knowledge, and at the same level, and we ask the crowd; to avoid asking the wrong answer to the teacher got it wrong.
In fact, the agent as an intermediary medium, is the support of policy holders and insurance companies to communicate. Due to the special nature of the field of insurance and professional insurance consultancy fees is included in the premium inside the form of a commission by insurance companies on behalf of the distributed agents. Our actual expenditures have been included where premiums paid to the agent's flat fee, so in this case, we should give a good insurance agent of their choice to protect the insurance benefits, while improving the insurance return on investment.
