miercuri, 24 decembrie 2014

MLM LIFE INSURANCE

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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