1) First, choose an excellent insurance company that suits you as the subject of your insurance contract;
2) Then choose excellent insurance agents as out-of-pocket insurance consultants;
3) Finally, with the assistance and recommendation of insurance agents, we choose specific insurance products to combine, so as to achieve our insurance protection purpose in time and effectively.
We might as well ask three questions and analyze four factors to distinguish whether an agent is excellent or not.
What do you rely on to ensure long-term quality service?
This is the first question we ask the agent, and it is also a problem that 95% customers easily ignore. In fact, the premise of quality service is long-term and stable service, so we must exclude all agents who may not be able to serve us for a while.
An agent who can't serve for a moment
All agents who actively or passively give premium discounts, kickbacks and similar illegal acts will bear the consequences of canceling the agency contract. It is impossible to bring long-term service.
In poor health, it is hard to imagine that a weak person, even a sick person, can give us long-term quality service, because they are clay idols crossing the river and cannot protect themselves.
Those who have served for a short time can't expect an old woman to be over 65 and not retire, so once it is necessary to buy a medium-and long-term insurance product (including service), then a 30-year-old agent is obviously better than a 59-year-old agent.
Agents with poor performance will be automatically eliminated within a certain period of time. If you choose an agent who often asks others to buy insurance for you, you are undoubtedly digging your own grave for your service.
There are too many unstable factors at home. A person who can't even take care of his own family relationship and vital interests can expect him to take care of the interests and relationships of our customers?
People who are eager for quick success often can't bear the great pressure of insurance promotion, and it is difficult to provide quality services because they are eager for success.
Generally speaking, people who love job-hopping are very fond of job-hopping, and it is difficult to fulfill the promise of long-term customer service.
Poor successors If the overall quality of the company's agents is poor, once they become orphan policies, the services of successors will be greatly reduced.
Products can be imitated and models can be copied, but professional level, service attitude and professionalism are irreplaceable. A good agent must make you feel trusted. This level has passed. Next, we might as well ask the second question.
What aspects of your professional quality do you think are competitive and unique?
An excellent insurance agent will tell you: first, he is proficient in insurance professional knowledge; second, he understands customer needs; third, he will coordinate various matters. Nowadays, there are more and more insurance products, and the professional level of insurance is "dry and difficult to understand" for many people. Accordingly, only insurance agents who are proficient in professional knowledge can accurately understand the insurance clauses, at the same time understand its relevant laws and regulations, and deal with questions in time, so as to help customers win legitimate and maximized interests belonging to customers and avoid misleading customers objectively. Agents actually play the role of uploading and communicating, so having a good professional quality is the premise of customizing insurance plans for customers.
At the same time, excellent insurance agents will also understand other aspects of financial management, including bank savings, financial securities investment, industrial investment, and even understand and master knowledge of law, medicine, IT and so on.
It is not difficult to see that the second question above is actually considering the IQ of an agent, that is, the IQ of insurance. Next, we pay attention to the last question, about emotional intelligence.
What do you think of your insurance service and reputation?
Undoubtedly, professional knowledge is the foundation and essence of settling down, while service and word-of-mouth are icing on the cake and a friendly appearance.
An agent with a good reputation will definitely put forward expert suggestions from the customer's point of view as a friend, not a pure businessman. We would rather listen to the opinions of modest and prudent consultants, because modest and prudent people already have relevant experience and foresight in charge, and objectively will not let us make obvious mistakes. This can be verified from the agent's circle of friends, and can also be reflected from the past customer base. You can appropriately ask the agent to provide the contact information of several customers (witnesses) for verification. These are easy to verify from company websites, third-party networks and even search engines. The premise is that the agent you need is excellent enough.
After testing the agent's endurance, IQ and EQ, we need to consider the following three factors.
Agent's exhibition certificate (instead of business license and qualification certificate): filing number, name, ID number, company name and effective agency period can be confirmed and verified through hotline, company and industry association website system and third-party search engine system.
Signature of the agent: to prevent the act of impersonation and avoid the occurrence of insurance fraud.
Ask the right consultant or reference teacher: only ask those who are proficient in insurance knowledge and have the same level as us; Avoid asking the wrong teacher to answer the wrong answer.
In fact, as an intermediary, the agent is to assist the insured to communicate with the insurance company. Due to the particularity and professionalism of the insurance field, the insurance consultant fee is included in the premium and paid to the agent by the insurance company in the form of commission. In fact, the premium we pay already includes the unified fee paid to the agent, so in this case, we should choose a good insurance agent for ourselves to protect the insurance interests and improve the insurance investment income.