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Life Insurance Closing Techniques – Boost Your Closing Sales

Life Insurance Closing Techniques

If you were expecting another one line sales pitch to be written here, you definitely will not find it. Life insurance closing techniques have very little to do with sales pitches at all. The whole say this and all of a sudden you will get this kind of reaction from your prospect sounds like a crush sale to me.

If it ever came down to you giving a sales pitch, you are either trying to salvage the sale, or you are not in true communication with your client. Think about it, you are solely relying on some outdated script or pitch that was written who knows how long ago. Wouldn’t you rather know how to not perform a sales pitch and still close a deal?

I am one of those individuals that likes to know how things work. For example, if a doctor just ran some pitch on you, but he really didn’t know the science of his own work would you go with that doctor? I didn’t think so. The same concept goes with life insurance closing techniques, if you do not know the science of truly closing a deal, then why look for the quick way out.

This brings me to my very first point, you are in this business to sell yourself, not your products.

Life Insurance Closing Techniques – Always Sell Yourself

What exactly do I mean by “sell yourself”. A lot of individuals hear this but very few actually understand the science behind it. I am going to try and put it into the best perspective for you. Think of a time when you wanted to buy something, like a TV or Car. Do you remember the individual that you dealt with during the course of the sale? Maybe you do not remember his or her name, but you can definitely remember if they were knowledgeable, kind, informative, and helpful. Now, do you remember the guy you did not buy from?

What were the reasons you did not buy from that individual? Maybe he did not help out, he might have been rude or even ignored your questions or concerns about the product you were wanting to buy.

The reason why you did not buy from that individual, was because they did not sell themselves. Even though it was the same product, same price, same warranty, you still did not buy from that individual. Life insurance closing techniques are about getting to know your client.

They will not buy from a stranger, so you turn them into a friend. Friends have trust, and trust is what will get you the sale. The client must trust you with their money. If you are just out there doing some sales pitch about some product but have not really gotten to know who you are sitting across from, you are literally hiking up hill to close that deal.

Life Insurance Closing Techniques – The Sales Presentation

After you have gotten to know your client, …

5 Things to Consider While Selecting a Financial Planner

Unlike someone calling himself a CPA or a physician, just about anyone can call himself a “financial planner” or a “financial advisor” regardless of their educational background and professional experience. Moreover, not all of them are unbiased in their advice and not all of them always act in their clients’ best interests.

To ensure your financial planner is well-qualified in personal finances and impartial in his advice, consider the following five things:

1. Planning Credentials: Having a highly-regarded credential in financial planning, such as Certified Financial Planner (CFP) or Personal Financial Specialist (PFS), confirms that the professional you intend to work with has acquired the education and experience necessary to serve as a financial planner. CFP and PFS credentials are awarded to only those individuals who have met the certification requirements of education and experience in planning for personal finances. In addition, they have to pass the certification examinations and agree adhere to the practice standards and continuing education requirements.

2. Subject Matter Expertise: Financial planners are planning professionals, not necessarily subject matter experts. For example, a financial planner will be skilled in tax analysis and planning,but unlike a Certified Public Account (CPA) or an IRS Enrolled Agent (EA) he might not necessarily be a subject matter expert when it comes to tax rules Similarly,a he could be skilled in chalking out an investment plan, but unlike a Chartered Financial Analyst (CFA) he may not be an authority in the subject of investments. Work with a financial planner who is also a subject matter expert in those areas of personal finance that are important in achieving your financial goals.

3. Client Specialization: Not all financial planners serve all types of clients. Most specialize in serving only certain types of clients with specific profiles. For example, a personal planner may build his expertise and customize his services to serve only those individuals and families who are in certain professions, or a particular stage of life with specific financial goals and net worth. Ask whether the planner specializes in serving only certain types of clients with specific profiles to determine whether he is the right fit for your situation and financial goals.

4. Fee structure: The fee structure largely determines whose interests he serves best – his client’s or his own. A Fee-Only professional charges only fees for their advice whereas a Fee-Based professional not only charges fees but also earns commissions, referral fees and other financial incentives on the products and solutions they recommend for you. Consequently, the advice from a fee-only one is more likely to be unbiased and in your best interests than the advice from a fee-based financial planner. Work with a professional whose fee structure is conflict-free and aligned to benefit you.

5. Availability: He or she should be regularly available, attentive, and accessible to you. Ask the planner how many clients he currently serves and the maximum number of clients he is planning to serve in the future regularly. This clients-to-planner ratio is one of the …

5 Steps to Creating and Achieving Your Personal Development Plan

A personal development plan helps you to grow and achieve. So why do so few people take the time to create one? Two potential reasons are:

o Lack of know how

o Fear of limiting themselves

There are 5 key steps in creating a personal development plan

1. Do a personal stock-take of your strengths and development needs. As well as your own assessment get the input of others. They can often see talents that you are not aware of or are failing to fully utilise.

2. Think about what development will help you most in achieving your professional and personal goals.

3. Decide which methods of delivery will have greatest impact on your learning. We all have different ways of learning so find out what works best for you.

4. Set out a calendar of development events for the next 12 months. This makes it real and more likely to be achieved.

5. Put an accountability structure in place to ensure you follow through. Often the lack of accountability can result in you losing focus.

So what are the benefits of creating a personal development plan?

1. You give a clear message that you take your contribution to business success seriously

2. You can start to work on the areas that are less developed so that you become even more of an asset to your employer

3. If things are not progressing as you would like career wise you can demonstrate to a potential new employer what you can contribute with real impact

4. You take informed choices about the type of roles you pursue rather than leaving it to chance

5. You continue to grow, be motivated and stretch yourself to achieve what you desire

Take the first step towards to realising and exploiting your real professional and earning potential.…

3 Facts About Money From the Bible

Day in and day out, we are constantly thinking about money. We wake up almost every day to go to work to make money to pay bills and to maintain a comfortable standard of living. We think about retirement, and our ability to save for it. We consider whether making changes to our savings strategies, such as converting a traditional IRA to a Roth IRA, can make life better. Money, or the lack of it, can cause a lot of problems and stress.

However, if your finances are properly managed, your life can be more enjoyable, even if you are not making a big salary. Your finances need to be put in the proper perspective.

As a Christian, it is important to understand what the Bible says about money. There are over 2,000 verses in the Bible that talk about money. It is the second most talked-about topic in the Bible. (Love is the first.)

Today, we will look at three facts that will challenge you to further explore your perception of your finances. These concepts will help you move into a more peaceful frame of mind when it comes to thinking about money.

Everything belongs to God

Before we can even begin to discuss what you have and how you use it, we need to understand that everything we own really belongs to God. This is mentioned several times in the Bible – examples can be found in Deuteronomy 10:14, Psalm 24:1, and 1 Chronicles 29:11. While we may (or may not) have lots of material possessions right now, they are only temporary. You can’t take them with you when you leave this world.

We should avoid getting attached to the things of this world because we are only borrowing them. This didn’t hit home for me until my car was stolen. I had many personal belongings in the car that night and was devastated when I found them gone. But I honestly could not tell you most of the things that were in the car. In fact, my life has not been significantly changed by not having most of the things that are now gone. Once I understood that these things are only temporary, my mind was at ease.

The Lord is in control

In Isaiah 55:8-9, the Lord tells us that His plans are bigger than ours and that the plans He has for us are beyond our comprehension. We need to focus on allowing God to be in control of everything, including our money, so that He can work through us to improve not only our lives, but also the lives of those around us. This is confirmed in Romans 8:28.

The Lord will take care of you

If you seek God’s Kingdom first, He will provide for your every need. You can read about it in Psalm 34:10, Matthew 6:31-33, and Philippians 4:19. We need to use the skills and abilities that the Lord gives us (Exodus 36:1-2). It is the Lord who decides whether …

Health Insurance Quotes Without Giving Your Phone Number

Getting health insurance quotes without giving your phone number is easy and something you should do right now. Whenever you are online do you stop when asked for your phone number and best time to call? I do…I can’t stand to be interrupted at home…especially by a salesperson.

Asking for your phone number is an intrusion most people avoid. The bad news is they are unaware of market conditions in personal health insurance. Health insurance is an expensive, necessary evil but it should be something you should never overpay for. Asking for a phone number is a turnoff. But there is good news…

You can get up to a hundred health insurance quotes without giving your phone number. You are asked for the following and the following only, for each person you are trying to insure:

· Zip code

· Gender

· Date of Birth

· Smoker or not

· Student or not

That is it…no phone number…no medical questions.

My wife and I have used this free, no obligation service for 8 years. I hate to spend a penny on insurance of any kind. But I have the assurance that I am paying the very least amount for my policy.

I filled this out just the other day…it took less than a minute…I received 112 different policy quotes to choose from…the quotes had the monthly premium, company name, deductibles, co pays, and a real plus…I could find out if my current doctor accepted this policy.

You should know what kind of policy you are looking for. Since we are healthy, exercise and eat right, we look for high deductible catastrophic coverage. These have the very lowest premiums.

But the prices vary greatly…I identified a savings of $684 per year over what I am paying now. So you should use this free service every several months. It is easy fast…and no one will call.

Once you narrow down the policy that meets your needs you then fill out one application and one application only. Isn’t this better and far faster than talking to several dozen salesmen or saleswomen. That is what you would have to do to get the same amount of information with every other service on the web.

Wouldn’t you rather get health insurance quotes without giving your phone number?

Here’s how……

Personal Trainer – How to Identify a Fake Personal Trainer

Acquiring fake diploma and degree has become a child’s play in today’s times, and we unwittingly fall prey to unqualified men and women in various professions. Going to the gym with wide-eyes and hopes of soon becoming another Stallone or Schwarzenegger you end up with disappointment when you find that the personal trainer over there is a quack. Identifying the credentials of the professionals is increasingly becoming an ordeal. Yet, it is advisable to dig out the credentials of the person, before hiring him. Failure to do so puts us in a dangerous spot, as we are prone to injuries if workouts are not performed appropriately.

Generally everyone entering a gym has this question in mind. How to identify a genuine trainer and be wary of the fakes on the prowl? Perhaps no single method could help you in your quest to identify the fake trainer. A combination of analysis, observation, questioning and references may serve to identify the authenticity of the personal trainer. We set out to do many things banking on the weight of the references. Likewise getting references from satisfied customers of the trainer would help us in avoiding the embarrassment of ending up with a fake trainer.

Analysis and observation of the situation is the best way to judge the genuineness of the claims made by a personal trainer. We find the quacks occupying the two extreme ends of the behavioral spectrum. They either tend to talk too much or keep highly reticent when spoken to. This is truly a very good lead for you to follow carefully and unravel the mystery of the trainer. Personal trainers with improper certification and training keep quiet or answer repetitively in mono-syllables when confronted with questions about things like improving the abs. They even show signs of irritation when you try to discuss

The other types of quacks are the ones who don’t shy from making tall and false claims. These trainers talk non-stop and show no qualms even when you ask them to deliver you the moon. These trainers overtly fix their eyes on your pockets and try to get you on board instantaneously, when you approach them to improve your physique and health. They promise the moon, without batting an eye-lid. Thus a personal trainer who does not assess the situation on a realistic scale and just says that anything is possible can not but be a fake trainer.

Lastly you could find out the credential of a personal trainer by directly questioning about aspects of personal training to assess his grip of the subject. After browsing valuable information on the facts about building your muscles from the internet, you could put him couple of questions directly to hear his answers. Ask him the possibilities of succeeding in your aspiration of adding 50lbs of muscle by the year end. A fake trainer, who is more concerned in making a quick buck, would always wrongly answer that this dream could be definitely fulfilled. The glib talk of a …

What Does NSF Stand For? 3 Points About NSF Fees

You may have heard the term “NSF” floating around lately. If so, you likely read or heard it in the news, at work, or maybe from a friend. This is a personal finance term that has a direct impact on how much of your own money you actually get to keep at the end of the day.

If you are wondering, “What does NSF stand for?,” here is a definition, along with some important points you should know about personal finance that could save you hundreds of dollars or more a year.

NSF simply means “non-sufficient funds.” Usually, the term is used to refer to the situation whereby you make a charge to your checking account – usually a debit, credit, or check charge – for an amount that exceeds the balance of your account. An NSF situation almost always results in your having to pay a fee of $30 or more to your bank each time.

Another common term for “NSF fees” is “overdraft fees.” Here are 3 points about NSF fees you should know.

1. You may be paying NSF fees to your bank each month: Most people are not aware that nowadays the majority of banks automatically enroll their new checking account customers in something called an overdraft protection program. Once enrolled, you will be liable to pay your bank big NSF (overdraft) fees every time you overdraw your account.

2. You will have to pay fees even when your bank accepts a debit transaction for an overdrawn account: Overdraft protection programs are set up in a way that allows new debit card charges to be accepted and covered by your bank – even though your account has a negative balance at the time that results in your having to pay a fee. This practice is quite sneaky on the part of banks: it means you could end up paying 1, 2, 3 or more NSF fees in a given day without even knowing it – adding up to $100 or more.

3. You can protest overdraft fees and sometimes win: If an overdraft fee has shown up on your bank statement recently, you can sometimes protest and win. However, doing so takes your valuable time, and winning is not guaranteed.

Take the time right now to go back through the past 2-3 months of bank statements and add up how much you have paid your bank in NSF fees. The number may surprise you. The good news is that some banks now offer no-overdraft-fee checking accounts, which means they will cover your overdrawn charge but still not charge you a fee – ever.…

Best Loans For Single Mothers – Learn How to Get Approved Fast

If you are a single mother, you may be among the many single parents who struggle to make ends meet each and every month. Many single mothers have no credit, slow credit, or even bad credit. Many single mothers are young and have not yet had a chance to establish positive credit history. There are different types of loans that you can qualify for as a single mother regardless of you past credit performance and bad credit history.

Personal Loans For Single Mothers

A bad credit personal loan is a loan that allows you to meet any needs that you might have. Perhaps you need money for major purchases like furniture or a computer. Or maybe you want to take a trip, pay for a class, or even buy a car. You can barrow amounts from $5oo up to as much as $15, ooo when you are applying for this kind of loan. Your personal loan can be ether secured or unsecured. A secured personal loan requires you to pledge collateral.

An unsecured personal loan does not require you to pledge collateral. However most single mothers do not have adequate collateral to pledge, and their only option is the unsecured version of the personal loan. To improve your chances for getting approved in the amount that you need, you can always ask a creditworthy cosigner to apply alongside you. This person can be a parent or other relative, friend, or anyone who will agree to pay your loan payments should you become unable to do so. Many lenders will allow you cosigner to be released from liability of payment once you have paid a certain number of payments on your loan.

Car Loans For Single Mothers

Single mothers who are in need of a new or used vehicle can qualify in most cases for a car loan. Because a car loan is secured by the car itself (or other vehicle), lenders are more lenient when approving car loan applications. A car loan of this type is usually financed for a period of four to seven years, depending upon the purchase price of the vehicle and whether or not you have a down payment. Having a down payment is the best way to purchase a car because it will make your monthly payments lower and easier to manage. Car loans are usually for $20,000 or less.

Cash Advance Loans For Single Mothers

Another option is the cash advance loan. This type of loan requires no credit check, making it the easiest to get loan not only for single mothers but for anyone with inadequate credit history. This loan is made for a short period of time, usually a month or less, and typically around the time of your next pay date. The only requirements to receive a cash advance loan is that you have a checking or savings account and a job that allows you to bring home a weekly, bi-weekly or monthly paycheck. Single mothers who receive benefits from Social …

Get Approved for a $5,000 Bad Credit Personal Loan

Sadly, because of these economically troubled times, many folks have been forced into situations resulting in a profound drop in their credit scores. Mortgage companies and other lenders can only offer cold shoulders when these folks apply for a loan. Recognizing a developing market, some lenders have stepped forth and are willing to extend credit to folks, even with those with bad credit histories.

Personal Loans Bridge the Gap

If you are seeking a $5,000 loan, the most efficacious solution for those who are under the burden of a poor credit history is the personal loan. Is you score near zero? Or just right there? You can still get a loan. Personal loans are the definite solution if you are in need of quick cash, in spite of your dark file in the credit bureau.

Market Responds to Those Who Need Bad Credit Personal Loans

Because of the plethora of folks with poor credit ratings, as mentioned above, some lenders have seen a burgeoning market. Interest rates may be higher because of the higher risk to lenders, but the loans have become available and the lenders have become very competitive. You may even be able to pick and choose to find the best rates and terms. Even if you have suffered judgments, defaults, or arrears, you should be able to get a loan and use it for clearing debts, paying medical bills, improving your home, or even taking a vacation.

Personal Bad Credit Loans Can Be Secured or Unsecured

Personal loans can be secured with a real-value asset such as a home, stocks and bonds, late model car, or other valuable possessions. These are used to secure the loan and can be seized by the lender should you default. Unsecured loans may be a little harder to find, but lenders are out there.

Diligent Shopping Is Key to Getting a Bad Credit Personal Loan

Banks and other brick and mortar financial institutions are not the only lenders. Look in the newspapers, the yellow pages, and go on line to see what is available. The easiest way is to go online. Just punch your browser and you will be rewarded with a wide array of lenders. You can even apply online. You can get a loan from the comfort of your own home and often have fresh cash in the bank within 24 hours.

Watch Your Back as You Apply for a Bad Credit Loan

You need to check the credentials of every lender you approach. If you fill out an application for a bogus lender online, that lender can take your information for identity theft and disappear. It is very easy to set up a legitimate site. You also want to be sure that the interest rates are within you ability, as they will be high since your are a risky borrower. You also want to be sure that the repayment terms are something you can handle. You do not want to default on another credit item with your credit …

What Does Liability Mean on Your Car Insurance?

Liability insurance is very important and most state auto insurance laws require that an individual maintain at least liability insurance on their automobile. What it does is protect you against costs that are associated with the damage and injury of another in an automobile accident in which you may be deemed at fault.

There are two parts to the policy. There is property damage liability and bodily injury liability. It is pretty easy to guess that property damage liability is going to protect you against any cost and damage that is associated with damaging another person’s physical property and that bodily injury liability is going to protect you against the personal injury inflicted on someone else as a result of the accident.

Usually, there are some numbers that a person may see on their policy. These numbers usually look like this: 50/100/25. Now what this means is that the policy is split up into three different amounts each policy can be different depending on what the individual chose when they opened the policy. In this case, 50/100/25 means that the insurance will pay for the bodily injury of an individual in an amount up to $50,000, will pay for the bodily injury costs on everyone in a vehicle in an amount up to $100,000, and will pay property damage costs up to $25,000.

Every vehicle requires its own level of liability insurance depending on what state you are located in. It is important to know what your state’s auto insurance requirements are so that you have an idea of what you would have to pay in your insurance premium.

The cost

Liability insurance is cheaper than full coverage insurance that also includes damages from theft, natural disaster, and vandalism. Liability only covers costs associated with an accident so that you do not lose your hard earned assets in a lawsuit. There are have been cases in which a person has been sued for more that what they have in coverage, but the liability insurance does lessen the blow. However, a person can pay for different levels of liability insurance to ensure that they will not be “taken for everything they’ve got.” Not having enough insurance can still have a heavy impact on a person’s life when an accident occurs.

No one intends on hurting another and they usually do not purposely engage in an auto accident because there is so much trouble involved, including the possible loss of the vehicle. That is why it is important to carefully assess how much car insurance you think you will need. Liability insurance is rather affordable. Some states have a minimum requirement of 20/40/10, but you could carry something such as a 50/100/50 if you think you need it. The cost is still not going to be much.

Just remember…

Don’t forget that if you set your limits too low you could be setting yourself up for financial disaster even though you have insurance. This is to be considered carefully. It is easy …