In this article I wouldn't go into to much detail on information on either health or insurance policies plan. If you're a new investor agent you'll hopefully be trained by your mentor. If you're a veteran its not necessary a refresher course. But once, I will go over whatever i think are important preparatory features of both health and wellness that make those dietary supplements "internet friendly". Both health and wellness insurance are intangible equipment, meaning the client doesn't see or touch what they purchase. What they are buying usually CONCEPT.
The concept is that if they incur a medical expense, some portion of that is covered by the insurance company or when they die the company will pay money regarding the beneficiary. When selling online you won't have the luxury of seeing nonverbal communication or facial expressions so make sure your client is nicely frequency as you, much more than in a face to face situation.
There are some elementary facts about health & life insurance that you need to ensure you educate your online prospects about to make sure they are on the same page even though during the online appraise.
o EVERY health insurance plan displays hole in it. Point in time, there's no health a lot of that includes EVERYTHING for you to provide what I assume comprehensive coverage. It's the agent's job to identify where the holes recognized, make them evident to the prospect, then show the shopper how, if possible, may possibly plugged up to possess the most comprehensive coverage for the lowest monthly premium.
o The lower the deductible the bigger the premium and visa versa.
o A PPO is a much better option overall than a HMO.
o Plans with fixed co-pays have got routine office visits can be more expensive. So this is a crucial area where if you explain the economics (see chapter 10), you can show the customer monthly premium savings.
o In most states within the applicant is insurable, group health coverage is ALWAYS more too high than individual (unless the employer is within the costs) why? Mandatory currently being and guarantee issue.
o Dental money is an absolutely worthless shelling out budget (use an HSA to advance dental expenses) the exception is if group dental is offered against the employer's group plan.
o Put Mom by herself plan covering maternity as long as they plan on having more children (more on this in Chapter 10 of a man's ebook "How to Build your Own Online Insurance Agency).
Rick Liuag spent over twenty years as an executive for a number of telecommunications and technology companies before starting his own online insurance company in 2004. He had been a top individual producer for mulitple companies year after year since 2005.
In 08 Mr. Liuag founded Some Resources Inc. A company designed exercising and mentor insurance agents for you to market and sell more health and wellbeing insurance online. In 2009 he authored ebook "How to Build Your own Online Insurance Agency", an interactive training manual how web based tools and methods work best for employees to prosper in the brand new internet economy. Learn regarding the ebook at http: //www. Theautomaticagency. com oregon visit his blog in history http: //www. theautomaticagency. biz/blog.
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