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Day: August 28, 2016

The 4 Levels of an Insurance Career Path

You may see many newspaper ads tying to hypnotize a prospective agent stating how easy it is to make $100,000. Moreover, they emphasize it can be done in the first year. Please give me a nickel for the 1,500,000 licensed life and health insurance agents that cannot achieve that. ($75,000 if you are calculating). Before $100,000 of income can be reached, most agents must achieve at least the third if not fourth level.

LEVEL ONE This is the insurance trainee, just starting out and continuing the first 12 months. This level is actually more about survival than it is about earnings. Many insurance trainee agents deplete savings accounts, ask relatives for loan assistance, and even take out a second mortgage on their house. Either they should have never applied for the position or the insurance agency has provided inadequate assistance to ease the agent’s burden. In the majority of cases, it is the later. Only 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of agents struggle by, only to encounter another enduring battle.

LEVEL TWO This is the insurance rookie, who will be facing three more years of uphill challenges. Again, survival appears in the picture, along with enough income to keep from going under. The life preserver is based on both the agent’s attitude and selling skills. Selling skills start with finding the right people to focus your attention on. People that fit into your comfort zone and have a need for an insurance product you are familiar enough selling. This leads to giving a sufficient quantity of appointments. However, company provided scripts are a hard way to go when doing a presentation.. Of the appointments made, can the still inexperienced agent produce enough sales for a decent income? Only 8{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the starting agents now remain.

LEVEL THREE These are the insurance innovators with over 4 years experience and under 8. Why are they innovators? To survive the have broken just about all the career company rules of the plan to success. First, they have tossed out the insurance company presentation book, sometimes in favor of a plain yellow legal pad. The company presentation speech has been discarded in favor of a friendly conversation. The insurance innovator uses a lead acquisition system that quickly brings out the highest qualified prospects. This agent has stopped becoming an insurance seller. He now helps guide the prospect to a tailored plan that turns the prospect into a buyer. In addition, the insurance innovator has a valuable base of built up clients for additional sales.

As insurance is now officially a career, few of these agents drop out. Many start to specialize in selling fewer products. A lot now are semi-independent and some even have their own firms. For others they make take a new direction, with a different company or firm that seems much more promising. Incomes are often comparable or higher than the national average.

LEVEL FOUR The true insurance professionals. Numerous pros are fully independent. They have often signed contracts with six or more independent life …

What Is Your Style? – 8 Style Quotients And Their Traits Explained

The guy that is so “Sporty”. She is so “Classy”. We often hear such remarks. But have you wondered what exactly these styles means? Have you wondered, what traits, dressing styles go along with each of these style quotients? Read on to know more about 8 different such style quotients:

Frumpy:

Your life is over burdened with work commitments to even spare time for your looks. Appearance is secondary or tertiary in your list. You prefer easy and comfortable clothing over the fashionable ones. You generally do not co-ordinate what you wear, more so in such a hurry or dislike to check your reflection on the mirror. You pick up the most comfortable pair of clothes on display and do not mind walking out in slippers. You generally window shop without much personal interest. Whatever glitters does not catch your eye. You priority is your work and practicality and feasibility and the comfort that it offers. You love who are, and have no qualms or regret about it!

Casual:

You like to let your hair down at most of the times, are extremely comfortable in your skin and value comfort over anything! You don’t fancy products in vogue always; it has to suit your personal taste to land up in your wardrobe. You prefer to chill out with your peeps over cold coffee or beer (if you are within the permissible limit), gossip, catch up with latest releases in your shorts! You are laid back when it comes to fashion, so you mellow your style to keep the fun factor intact while making yourself an easy combo to slip on! You love colors and free-flowing silhouettes. You love wavy prints and strut around in your shorts with your sport shoes or casual t-shirts on!

The Girl/Boy Next Door:

Your sparkling eyes and dimpled smile do all the talking! You have easy, uncomplicated and appealing way with others; traits which are easily recognizable by your baggy jeans, sweat-shirts and carelessly ruffled hair! You have an easy-going air about yourself which is reflected by your gestures and attire alike. You love to share a laugh with everyone around you, eat out with your girls and also occasionally gossip/ bitch about other girls. You love to receive and give flowers, chocolates make you go weak in the knees and you love your old and faded jeans way more than anything in your life! You are recognized around for your pony tails and the cute ear piercing and did we stress on the fact your “cute” smile!

Sporty:

You are extremely active and like to reflect the same from your sense of dressing. Functionality rules foremost than fashion and a colorful closet is also your asset! You love your track pants and drool/ window shop every time you pass by an Adidas, Nike, Puma or Reebok store. Cool Athletes have influenced you enough with their athletic looks in shorts or mini-skirts to make you take notice of yourself. Sport-stars and their sporty style appeal …