ગુજરાત હાઇકોર્ટે એક વ્યક્તિને જીવન વીમા નિગમ તરફથી વળતર અપાવવાનો આદેશ કર્યો છે. એ વ્યક્તિ ભારતીય જીવન વીમા નિગમના જ કર્મચારી હતા. અને તેમને 40 વર્ષ સુધી વળતર મળ્યું નહોતું.
Question by Matthew W: I need help with life insurance strategies: Which market should I target and which products should I sell?
I’m starting out as a life insurance salesman. I wish to use my time efficiently. Therefore, I need help to target the right demographic market and life insurance products for this market.
For example, I could target executives making over $ 100,000 per year, and the product is a combination term insurance with some UL. The term part goes to retirement, and the smaller UL part continues until death.
Any brilliant ideas would be helpful.
Best answer:
Answer by Insurance Made Easy.biz I would suggest keeping it simple, executives making 100K
per year are going to be hard to get a hold of. I would suggest using an Internet based lead source where prospects have requested life quotes. Most of these will be term sales. But the key to success is volume.
I have also used a direct mail program to new mortgage holders. Out of 1,000 mailers you can expect back between 20 and 60 responses. You should be able to close 20-30%. With practice and training these types of leads can be closed over the phone and written through the mail.
If your not captive I can refer you to a great life brokerage firm, just let me know.
Question by hiddentohelp: Most people’s debts pale compared to mine, and yet I’m trying to avoid bankruptcy. Any advice? (info inside)
Wife and I married 2005, both RN’s, nice budget. Wife ill for year, cured. Bliss? No, depression now. Told new hubby “If you work *more* overtime we’ll get by, don’t you care?” If I asked “part-time job,” “I’m hurting and all you care about is you! Don’t you think I already feel bad about not having a job? You’re heartless!” *tears* Debt grew with struggle to give wife best…always having faith hope was right around corner. Had to be; love believes such things. 2nd year’s end I was stressed; grumpy; foolishly abusing Adderall (ironically her excuse for affair–I lost in trying to keep!) for energy to do overtime, housework, errands, everything. Wanted acceptance desperately! Paid well for my sacrifice: Jobless male playing online games all day told her how bad she had it, how worthless I was. Good listener, sensitive, sexual, paid well: care = phone sex (with me at work). Began finding. Worst fear realized. I moved out. Lost mind, job (6/07-1/08), suicidal. They met, did a lot. A lot.
Had full 8 month affair, ate me alive, lived to tell. Now alone at 28. $ 30,000 credit card debt, 4 cards. $ 45,000 secured loans. Student loans. Held good job 3 mo. now, making 22.50/hour, 50+ hrs/week. Bring about $ 800 net in weekly, should be a lot, but isn’t. She wont work. Advice? Want to avoid bankruptcy… Afraid and lonely. If they begin garnishing my wages, I’m as good as gone.
Hmm… Hope is a difficult thing to come by. Rarer still are those who are able to offer it. Thank you, Mags, I appreciate it. Craig…while you were typing, didn’t something in your mind whisper “I, uh, think he’s figured that out.” By the way, before marriage I had perfect credit, large savings (bought her a $ 10,000 engagement ring, paid off), and excellent spending habits. While of course I can’t blame others for my financial mire, looking deeper into the complexity of the situation might help you answer questions more efficiently. Oh, finally, for the first guy — no worries, I’ve got a job. Average time between being crushed by an affair and working is a year. I did it in 8 months. Wohoo! As it says above, RN work for $ 22.50/hr and putting in 50+ hour weeks. Thanks all!
Best answer:
Answer by jess wow……. think and put in action a better life for yourself…………learn from the past ………… ring the companies you owe money too and arrange a payment plan you can afford………. and get yourself a job …any job
