Selling Insurance without a Marketing Degree

Recently, John Heath from Colonial Life Insurance visited our Marketing Management class one morning. He has no degree in business, yet he is a great salesman. He and his assistant presented practical information for those wanting to get into sales. I, for one, do not want to venture into that field. Personally, the thought of speaking with people face-to-face, trying to get them to buy a product, terrifies me. But, to each his own, right?
Dr. Green has been reiterating to the class the idea that a person needs to be likeable and trustworthy in order to sell a product to someone. John definitely had those qualities about himself. He was friendly, explained things well, and seemed like he had your best interest in the forefront of his mind. David Mayer and Herbert M. Greenberg write, “Our basic theory is that a good salesman must have at least two basic qualities: empathy and ego drive” (2006). Along with being trustworthy and empathetic, a salesman must be driven. One of Heath’s maxims is that you can make as much money as you think you are worth. It is simply up to you to put in the time.

Heath’s primary role as an insurance salesman, it seems, is to promote awareness of his company’s product. Chernev explains, “Awareness reflects customers’ knowledge of the offering. Awareness can be generated by the company’s direct communications to its target customers…” (2014). Without awareness of your product, you have no market.

Heath explained the importance of getting as many “drops” as possible to contacts each week. It is called a drop because you are trying to “drop” your name and information to a certain business. The more times you contact a sales prospect, the more likely you are to get further with them in the sales process. “’No’ isn’t always a flat-out ‘no.’ Most of the time, it just means ‘not right now,’ so don’t be discouraged when you get a no. Be persistent,” Heath said.

This is what would scare me if I took a sales position. I do not like being told no. I feel as though my relationship with that person is hurt when they say no. I feel I cannot be as open with them.

Heath mentioned the book Fanatical Prospecting by Jeb Blount. He and his assistant both praised it as a very inspiring, easy read, and it is definitely something salespeople need to check out. So, in a perfect world, I will read that book and suddenly fall in love with sales. We shall see.

Auto Insurance and the Basics

Car insurance has become essential rather than just a luxury for many. Instead of just having the choice to benefit from comfort, there are numerous states in which auto insurance policies are requirements imposed by the respective state governments. The reason is to reduce (or completely eliminate) financial and personal losses.
Worst case scenario, you might be driving your car or truck, and you cause an accident that brings about major injuries to yourself as well as the persons mixed up in said accident, in addition to significant damage to both vehicles: Are you positive that your car insurance policy has adequate coverage to these damages, potential hospital bills, and possible litigation fees? By maintaining the right coverage and limits on your policy you may well be able to eliminate or reduce the likelihood of major financial catastrophe.

Online quotes are the fastest way to get cheap insurance. Find a website which offers quotes from many different companies simultaneously. Fill out the form, and answer any queries they could ask. Within seconds you’ll have the expense of the insurance coverage you are looking for from each of them. From there you can compare them and choose which you would like to purchase.

Insurers change from one state to another. Even large companies like Allstate, Progressive, Farmers and Nationwide may not insure drivers well in every single state. They might not be agreeable with state regulations or any other factors such as excessive fraud. Consumer could possibly get more information on insurers by checking J.D. Power and Associates ratings and company financial strength ratings with A.M. Best and Standard & Poor’s. Friends and family can even be a fantastic resource for picking an exceptional auto insurer in your state.

The combination of not enough company selection, losing the good driver discount and getting surcharged for each and every ticket can leave the consumer with rates double that regarding drivers with a driving history. It is, therefore, important that these drivers get multiple automobile insurance quotes. With a premium that’s double that relating to other drivers, the potential for saving could be also become well. The best way to receive multiple quotes and make sure you will get a competitive rate quote is to call a completely independent insurance agency with usage of numerous insurance agencies.

Celebrity Getaway: Winter Sports in Davos, Switzerland

The luxury resort of Klosters brings together the perfect combination of an idyllic mountain and a charming, unspoilt village. The destination’s beauty has led it to attract a number of very famous VIPs over the years, including Prince Charles, who has been a guest at Klosters on numerous occasions.
With a vast range of activities on offer at the resort, Klosters is an extremely popular destination for those looking to enjoy a luxurious trip. The resort is an ideal base from which to enjoy the winter sports on offer at Davos, with the Gotschnabahn cable car taking guests right into the heart of the metropolis.

Skiing

Heralded as a region which can guarantee its visitors snow, Davos has plenty to offer when it comes to skiing and snowboarding. With six snow sport resorts to choose from, you really will find it hard to leave when your trip comes to an end.

Parsenn is a good place to start for an experienced skier, whilst Madrisa and Rinerhorn can cater to all abilities. Before departing for home, be sure to also check out the areas of Pischa and Schatzalp. Avid snowboarders are encouraged to check out the freestyle mountain Jakobshorn, which lies just by Davos. All in all, these six ski areas combine to bring guests in Davos a staggering 300 km of pistes, with 57 transport connections to take visitors between slopes.

For those who are just starting out on the slopes, the Madrisa region which lies just above Klosters is ideal. Seasoned skiers on the hunt for some cross-country action can find a number of attractive routes nearby to Klosters, whilst there’s also plenty on offer over at Landwassertal.

Ice Climbing

An activity which is undoubtedly not for those afraid of heights, ice climbing in Sertig has become extremely popular over the years. Using an axe and crampons, those who get a thrill out of pushing themselves to discover new adventures will get the chance to climb a frozen waterfall, with perfect conditions to do this throughout the winter season.

Other Ice Sports

From ice skating to ice hockey, there is plenty more on offer than skiing and snowboarding. The Davos World of Ice at the Davos Sports Centre has a number of ice rinks which all vary in their theme, whilst the Davos and Klosters sports centres offer guests the chance to try ice hockey for the first time.

Before You Go

Purchasing some winter sports insurance before heading off on your trip is a very good idea. Doing this will give you the peace of mind to know that you’re covered against any and every eventuality during your holiday.

Regardless of whether or not you’re going to be heavily involved in any of these activities, purchasing winter sports insurance will put your mind at rest in the knowledge that your trip will be hassle-free.

Author Plate

Patrick Chong is the Managing Director of InsureMore, an award-winning team of specialists in global single trip, family, annual and comprehensive insurance. If you’re looking for the best winter sports insurance to any destination worldwide, InsureMore has the best policies to suit. Besides offering great deals on travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holidays.

6 Comprehensive Clues To Help You Relocate Smartly!

The packers and movers in Chennai you have appointed for your forthcoming Chennai to Chandigarh house move are dated in two months and you are planning to make it the best moving experience ever! For that, you are doing your research and evaluation, you are talking to your friends and colleagues, and you are reading out more and more information on the logistics and transportation domain and making the best of your pre-move time.
At the same time, you are working on your household preparation – just a while ago, you started with the cleaning and de-cluttering, sooner you will go ahead with your budgeting and other primary pre-moving tasks like purchasing essentials and speaking to professional movers for your forthcoming move!

Here, we have a few important things to share with you, knowing that you have a move planned for yourself! And for all the things you do, make sure you are taking your own time and working on every key aspect of the move mindfully! Okay, with that, here goes the list of important things curated for you!

1. Plan how things will work: There has to be a first-class plan ready when you are gearing up for your move. You cannot go wrong with how you will plan your move, so give yourself some time so you can go through your entire household to inspect what stuff you have, to eventually decide what you will move with you and what you will not. If you want to make the move as easy on you as possible, you can start early with the plan. There will be countless things to take note of – from the financial plan to the security deposit, to the important paperwork and the last-minute preparations, getting in touch with the major agencies to getting the right supplies for the move, etc. So, make sure you are laying out a top-notch plan for yourself before proceeding ahead. You may even seek help from online sources like checklists and planners or videos on YouTube.

2. Determine how to move: The move you shall carry out with the professionals should be looked over from different perspectives. You should think of the long run when you are prepping up for your move. So, think through the kind of move you are planning to make and the kind of services you will want to have for your move. Opt for a full-range of moving services so that your goods remain under expert inspection when they are on the go! The reason why choosing full-service movers is advisable is because they take care of your move from every aspect.

3. Create a list of moving items: Keeping in mind the budget you will decide for the move, you should create a supportive inventory that takes care of the budget completely. Do not move things that are useless, broken, and old or simply would not look good in your new house. All of these items should simply be taken care of some other way – either over donation or sale or disposal. You may also choose to mention the condition of the items alongside the items you will move. This will help you with the assessment and insurance claims if in case, there is some damage or loss. You may even choose to maintain your inventory online on the smart checklists and planners available over the internet to minimize your move hassle.

4. Prepare your house goods: Packing your belongings for the move would mean that each of your goods is clean and ready to be packed for the move. Right? In that case, you must have an idea of how you would want your belongings to be shipped to the destination. For that, you should bear in mind that each of the goods that you will decide to move would call for some kind of preparation – the furniture would need dusting and dismantling, the clothes would need dry-cleaning, and other household fabrics – a thorough cleaning. If you have things that you want to sell out, you may plan when and how the garage sale would be planned and how you will manage it all, by yourself.

5. Balance your mental peace: When it comes to moving, it is quite normal to experience a variety of emotions – at one point, you could be upset and at another point, you could be happy but there will be a moment when you will find yourself stuck amidst several things. At that point, it would become all the more important to take care of the mental peace. So, just have a foolproof plan for your move and keep everything ready in advance so that you are on your toes on the day of your move. Do not overstrain yourself; else you will have a tough time taking care of your well-being during the move. To feel better, you can tune into good music, have a relaxed sleep, have good food, or call for get-togethers so that everything happens well.

6. Watch the loading process: You may have assigned the goods packing task to the professionals but you will still need to be cautious of how everything is being taken care of by the moving team. If on a moving day, you are already busy with other things, make sure at least someone with your family is there to look after the final steps of the moving journey – like labeling, handling until the moving truck, and the truck loading process. Watch out for how the professionals stack your boxes and where they keep your bigger cartons and cartons containing major appliances and goods.

You can never expect your move to be seamless and straightforward. No matter how much you prepare for the move and take note of every vital aspect, certain things would not go your way and you will have to accept that and go ahead. If you have your team of movers and packers in Chennai hired on the moving project, everything would seem sorted and you will be at peace!