Take your time. Ill just wait until you have posted your new exercise. I know sometimes, an agent like you are very busy doing some presentation stuff. As i remembered my manager in life insurance selling. She started to work early in the morning and she would stop working late at night. As they have said, they most successful people are those who work while everyone is sleeping. Is that true?
See you next time. I'll just come back when im ready. _________________ Free Insurance Quotes
Yes this is true.../I do believe I do my best work late at night. I am usually vey busy! But that is a good thing. I would be very worried if I was not busy.
Ok here is the ecercise Ill change it a little bit and do it as follows.
Please rate the following 1 having the most need for life insurance and 5 having the least need for life insurance. I will then tell you what most of the public answered and then I will tell you what most insurnace professionals answered. This will show you the vast difference and why we have a hard time getting our point accross.
1. Homer Simpson (He is a blue collar worker, works in a factory, is married, owns a home, and has 3 kids and the mother does not workn He is prob in his late 30's early 40's, Live in an average home, average income, middle market/class).
2. Mike Brady Father of Brady Bunch (He is an architect, ownes his home is married, is the primary wage earner, and has 6 kids, he prob late 30's early 40's as well. Average home and Cars your regular guy higher income, middle to upper class.
3.Tony Soprano, Father on the Sopranos (He is a mob boss, makes good money, has a dangerous job, ownes a very nice home & nice cars, people are always looking for him, he is married and has two kids one in college the other in highschool, the mother is a house wife. He is in his 40's early 50's Very High income, upper market/class)
4. Ray Monroe Father of Everyone loves Raymond (He is a journalist, is married with 3 kids all young. He owns an average home, his parents live accross the street, very family oriented. Prob in their early to mid 40's. Average income, middle class/market.)
5. Mr. Huxtible of the Cosby Show (The later years). Both he and his wife work, they are both Doctors, they have 4 or 5 kids and some grandchildren. Most of thier kids are grown up. They make good money and live in a good home, upper class/market. In thier 50's Higher income than average. Nice home, regular cars.
Now put them in order of who you thinks has the most need for insurance and also please state if you have your insurance license or not so we can get an accurate survey here.. Hope you all Participate! _________________ ~Monique~
hmm. this is a bit tricky question. I'll decide this based on my own opinion.
1. Mike Brady Father of Brady Bunch (He is an architect, ownes his home is married, is the primary wage earner, and has 6 kids, he prob late 30's early 40's as well. Average home and Cars your regular guy higher income, middle to upper class.
2. Homer Simpson (He is a blue collar worker, works in a factory, is married, owns a home, and has 3 kids and the mother does not workn He is prob in his late 30's early 40's, Live in an average home, average income, middle market/class).
3. Ray Monroe Father of Everyone loves Raymond (He is a journalist, is married with 3 kids all young. He owns an average home, his parents live accross the street, very family oriented. Prob in their early to mid 40's. Average income, middle class/market.)
4. Mr. Huxtible of the Cosby Show (The later years). Both he and his wife work, they are both Doctors, they have 4 or 5 kids and some grandchildren. Most of thier kids are grown up. They make good money and live in a good home, upper class/market. In thier 50's Higher income than average. Nice home, regular cars.
5. Tony Soprano, Father on the Sopranos (He is a mob boss, makes good money, has a dangerous job, ownes a very nice home & nice cars, people are always looking for him, he is married and has two kids one in college the other in highschool, the mother is a house wife. He is in his 40's early 50's Very High income, upper market/class)
I'm not sure if this order is correct, but this is based on my own opinion. Btw, i'am a license life insurance agent. Not that very active now a days, but i have some experience for about a year ago.
But if i can learn from here and you as my mentor, maybe, i can come back in due time. I think there are many people out there who really needs life insurance coverages.
I'll just wait for your reply. Thanks a lot!
It's been an honor to be of contact with you.
Joven...I am not going to say anything yet. I am hoping that some other people will post their opinons...so lets leave this up here for a while and in a couple of weeks check back and see what others have said and then I will put down an explination. Does this sound ok to you? This will further prove my point if we can get alot of people to answer...I hope more people do. I want people to just answer what they think and sayd if you are an agent or not. I hope we can get a mix of people here to answer this, it could be really fun if we do.... _________________ ~Monique~
Well Tony Soprano and Mr. Huxtible doesn't have a great need for your basic life insurance according to what you posted, Tony would likely be declined anyway.
So out of the three, Ray Monroe's wife works I do believe unlike Mr. Brady and Mr. Simpson, so I'll say Ray is in third or second place. I would also say that Mr. Brady has sizeable savings as long as his wife since she is a widow with three kids (collected a sizeable DB when first husband died I know this because I sold the policy (hehe)).
So I'm using this exercise as who needs more compared to their income and life standard.
1. Mr. Simpson needs the less totall DB but needs it more than any other.
2. Mr. Monroe needs a DB mostly second.
3. Mr. Brady falls in third place in need.
4. Mr Huxitble needs it for inheritence reasons.
5. Mr. Soprano will not pass underwriting for many reasons yet with his hidden assets and illegal status his wife and kids will do good either in the world of Mobsters or writing a tell all book.
