How to Become a Successful Life Insurance Broker

By Lorne S.Marr

The life insurance market is one of the fastest growing industries filled with great career opportunities. However, according to the last survey, it is also a field with really high turnover with approximately 80% of new brokers leaving the industry within the very first year.

First, you have to believe in your work and enjoy it. As a good broker you must believe in what you are selling. Your aim is to help people to protect their health, life, money. Be passionate about your work but be professional. Your personal approach is a key tool in building good relationship with clients. A passionate insurance broker is also an inspiration for colleagues and especially for new brokers.

Successful life insurance brokers know how to make an impression. They know how to talk, how to use body language, how to shake hands. Being outgoing is about making clients feel comfortable, creating a friendly atmosphere. Empathy will help you understand your clients' needs, worries and expectations. It helps you obey possible objections or misunderstanding. So be outgoing and empathetic, it is a key to your success.

New brokers also need to be prepared for rejection, because many prospective clients are not willing to face their own mortality and morbidity. Many will procrastinate and postpone potential meetings and even get verbally abusive. But rejection is not personal.

As a successful broker you need to know your goals. First, your companies' goals which are short term, mid term and long term. Also set your personal goals, they will keep you motivated. Achieving goals in time is part of your success. Right goals will help you to stay on the right track.

Top insurance brokers have tracking systems in place to analyze their production and administrative. They are also effectively able to keep track of when to contact clients and prospective clients. Success in the insurance industry requires passive persistence. Systematically keeping in touch with clients allows brokers to provide better service and also allows them to uncover potential sales opportunity like the birth of a child or the purchase of a new home.

Lorne S. Marr has been a very accomplished financial planner since 1993 and runs his own company LSM Insurance Services Ltd. He's recognized as an industry leader thanks to the commitment to providing clients with value-added services.

Searching For Car Insurance For Young Drivers

By Dave Kettner

Finding car insurance is a responsibility that has to be taken on when you start driving. Sure, it isn't the most fun thing to pay for every month, but it is nice to have the peace of mind knowing you are covered. The first thing you should do is check with your parent's auto insurance company. See if they will give you a discount because your parents have their policy with them. Sometimes it helps to have the parents who own the policy call and check on rates for their kids. Car insurance for young drivers can even be less expensive when added to a parent's current policy. Your parents may like this option and have you pay them once a month for your part of the insurance

Searching the web is good place to start if you need a policy from scratch. You can put in all of your vehicle information and driving history on insurance company's websites to see what kind of quote you can get. Be prepared to get phone calls from all these different companies. Stay firm though if you know that you don't want to go with a certain company after getting their quote. They will most likely try to convince that they are the cheapest option. If you know an agent, you can get them to run a check on any insurance companies they write policies for. They will be able to provide you with the most affordable car insurance for young drivers. This is also nice because you will have one on one communication with someone who you hopefully trust.

After you find the best policy for you, drive safely and run a search every six months to a year to make sure your policy is still the most affordable for your needs. It is always smart to check because you never know if a company's rates will drop or not. Also, the more experience you gain over time should reflect on your premium. Some areas are working very hard to get car insurance for young drivers lowered because they are good drivers. If this does eventually happen it will be that much better to keep a clean driving record.

Before you make a claim to your insurance policy make sure that it is absolutely necessary. If it is just a ding on the side of one of the doors, you may find that it is better just to repair the damage on your own. If the deductible is really high then it makes more sense to take care of the problem without making a claim. Anytime a claim is made, insurance rates are increased. Car insurance for young drivers is completely necessary to have when big problems occur. Just be careful to make claims when they really are needed.

Dave Kettner specializes in helping young drivers pay less for their auto insurance. Stop paying for high insurance rates just because you are a young driver needing car insurance! Get the best insurance for young drivers here for free now! Car insurance for the young doesn't need to be expensive, so get your free rate quote now. There are cheap insurance options available for young drivers so take the few minutes to get a free rate comparison as it could save you hundreds of dollars on your car insurance policy.