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LIFE INSURANCE
MLM
I AM GOING TO TALK ABOUT LIFE
INSURANCE BECAUSE THIS PRODUCT IS NOT SO EASY TO SELL. IT HAS HIS MARKET
SEGMENT AND IT IS NOT FOR EVERYONE. I CAN SAY, IT IS VERY GOOD TO HAVE A LIFE
INSURANCE BECAUSE PROTECTS YOU AND YOUR FAMILY AS WELL. IT IS A MEDIUM AND LONG
TIME CONTRACT. YOU CAN HAVE ONE FOR AT
LEAST 5 YEARS.
THERE ARE DIFFERENT WAYS TO PAY :
MONTH, QUARTER, ON YEAR .
DEPENDING ON YOUR BUDGET AND HOW MUCH YOU CAN AFFORT TO PAY
BY MONTH/QUARTER/YEAR YOU WILL HAVE THE VALUE OF YOUR LIFE INSURANCE.
In
short, life insurance are financial products offered by specialized companies
that offer, on a case by case protection - classic life insurance and
facilitates saving - life insurance with capital accumulation.
For example, if a life
insurance classic by contract, the insurer undertakes to pay a sum of money
in case of death of the insured person. The cost of a life insurance policy is
called the premium, and is determined by your insurer depending on the type of
product you want, sum insured, duration of the contract, the risks covered etc.
In this type of
insurance does not accumulate capital.
In
the case of life insurance with capital accumulation, part of the
premium that you pay covers a protection component (as with a traditional life
insurance) while another part is invested by the insurance company and the
customer paid at the end of contractual or even before, with some of the
profit.
In this case, life
insurance are saving tool.
WHY DO I NEED A
LIFE INSURANCE ?
In
other words, life insurance is a financial service that is intended to cover
financial losses caused by the occurrence of certain events, is to balance the
budget of a person or family in case a death, disability or illness it
unbalance.
The
benefits of policies varies a lot, depending on additional clauses attached to
a standard. For example, if a life insurance classic attaching clauses covering
disability due to an accident, the policy beneficiary will receive a percentage
of the sum insured under the contractual terms.
If
the basic insurance plus a clause covering serious diseases, the insured may
receive financial compensation from the insurer that will help in the treatment
period, for example.
let’s
ask the questions. we have a meeting with someone who can affort it and we want
to sell this product.
1. do you like to
have something to cover you expanses if an unpleasant event is happent to you ?
feed
back
2. do you want your
family to be protected in case of an unpleasant event ?
feed back
3. would you like
someone to cover your expanses in case of an accident? (hospitalization)
feed back
4. would you like
someone to cover your expanses in case you are not able to go to work ?
feed back
so,
as you can see based on the definition of a life insurance we can ask a lot of questions and have feed back to work on.
after we have all the
answers we need, we can make an offer based on his needs.
we
can start from the classic insurance and when first maturity of life insurance
is, we can offer some others additional clauses to cover other events.
dragos constantin
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