Life Insurance Forum

Japan Tsunami

2011-04-05T04:21:00.000-07:00

Who can predict the next second or minute? No one.... The recent Japan Tsunami once again aroused human's awareness of uncertainties ahead of us. We do not know what will be coming next time. We all wish that there is always harmony in this world we love. BUT... Sorry, it won't be happening... What we can do is only get prepared! Love people around us, treasure the time together!

U know about Coronary Artery Block?

2011-03-04T01:07:00.000-08:00

Recently, one of my clients got diagnosed of his 3 main arteries being blocked 99%, 90% & 50%. He wanted to claim for 36 critical illness. So, i helped him to claim under coronary artery-by-pass surgery, but since he go to General Hospital for performing the operation, he need to wait quite a long time earliest by July or later.

He told me how bad his condition is. He said every time he walked a short distance, his heart started feel uneased and aching. So, he need to take a short rest every short distance walk. And at around 1am everday, his heart felt aching again since the circulation of the blood through heart during that period, so he had to suffer it around every 1am.

And even more, everyday, he can only drink 1litres of water at maximum only. If over, then his whole body will get inflated by water. Then, he has to be hospitalised for a few days to get rid of the water.

He said to himself sometimes, what is there any meaning for him to continue living under this situation, not able to be live as a normal person?

So bad for him everyday!

Hope he can quickly got the operation done to have a normal living again...

New Zealand Christchurch EarthQuake

2011-02-27T03:10:00.000-08:00

Christchurch Eqrthquake in 22nd Feb 2011 hurt people's heart deeply.

Christchurch, my place of teenage memory, being destroyed badly after the earthquake.

Nobody knew it came again after 2010 September Earthquake last year.
And nobody knew that it came around noon time.
Nobody can predict the future.

Just like we cannot predict that we won't get sick, won't meet accident.

That is why we all need insurance, though we all do not want it.

But we need it!

With a few pennies a day, we can own some $50,000 of protection.

Christchurch Earthquake

2011-02-23T03:16:00.000-08:00

A deep condolence to those fatality in this Christchurch Earthquake!!! Take care, Christchurch people!!!

The Year of Tiger

2010-03-22T08:55:00.001-07:00

10 years ago, people were worried about Y2K. Companies were afraid that their businesses would be impacted by the Y2K bugs, and consumers were worried about the saftey issues in life such as travelling by air.

But they worried in vain since it had no impact at all. Instead the Y2K crisis became business opportunity for many.

Hence it is our view of the situation, and how we can see opportunity while others only see fear, and take advantage of it by acting upon it.

What is the crisis you face right now?

BOP talk

2010-02-04T19:00:00.001-08:00

Last night, my father & I held a Business Opportunity Presentation (BOP) Talk in our main office, by publishing news in local newspapers.

This is the first time we did this kind of public recruitment talk. What we are most anxious about is the no. of attendants. And last night, there were altogether 10 people attending i.e.4 new persons and 6 agents. 2 persons see through newspapers, and 2 persons are my father's friend's daughters.

What i learnt from it is that we should make our BOP talk known to public as far as possible through means of distributing advertisement papers to public, publishing news on local newpapers.

The talk is indeed successful, though with newcomers of 4 persons. A good start!!!

Words to Ponder

2010-01-24T02:59:00.000-08:00

"People failed to achieve in anything is not due to their level of hardworking,

BUT.....

Due to their not CONCENTRATING in doing one thing wholeheartedly."

2010-01-17T01:15:00.000-08:00

"Sales is spreading of faith, affection of emotion."

When we talk to our potential clients regarding our plans, do we talk enthusiastically? or in dull?

When we talk with enthusiasm, we can let them feel our faith and love in our plans. So, before we talked, we should make sure that we do indeed like and fall in love with our company products. By then, we will be filled with power and enthusiasm to talk to our potential clients to make them love our products too.

Is your desire strong enough?

2010-01-09T23:00:00.000-08:00

We dream of achieving MDRT, no doubt. But do we have strong DESIRE or just a dream only?

Let us ask ourselves...

And let us encourage each other in going towards MDRT direction!

A new year 2010 for achieving our dream.

Year 2010 New Year!!!

2010-01-01T00:10:00.000-08:00

A story to share!

2009-12-15T02:45:00.001-08:00

My client's sister, age 40, become a friend of mine in few years ago.

I usually helped her to book for the promotion air ticket to travelling. On 19th of Nov,2009, i helped her family, and her sisters' families booking very cheap air ticket to West Malaysia for a total number of 19 persons.

They went back on 27th of Nov, 2009. But then, since i am busy with my year end target, so i did not go to her shop and had chit-chat as usual. Suddenly, today this afternoon around 3pm, her sister called me up and told me that she had just passed away.

I was shocked at that moment, and wondered if it was a trick. Then, i quickly went to the mortuary centre where her body was put and i saw her sisters and their families and many friends there. I found that she passed away due to mosquito illness( sort of like dengue fever). And they said she caught it during the trip and came back without going to see doctors for curing as she thought it was nothing.

I felt that life is just some moment only, really short and sudden, unpredictable.

I can recall that most of the time, i went to her fertiliser shop and have a chit chat with her and her husband, she will order a drink for me from cafe nearby. Although she had not buy any insurance from me, she is still very supportive of me and tried to refer her clients to me. And not long ago just before the trip, she said she will buy her son's medical insurance from me next year as she saw my professionalism.

All i can say is that life is quick, really quick gone. Must cherish what we have now.

Time Flies....

2009-11-16T17:27:00.000-08:00

Tweety Bird is 60 years old!

Batman and Robin

BARBIE DOLL has her 50th birthday this year..

One Great Agent story

2009-11-15T03:57:00.000-08:00

Joe Gundolfo remembered deep in his heart what his father told him:" To be independent, be your own boss!"

So, he joined in insurance. At the start, many doors slapped and closed in front of him. But he kept persevering in his work. Everyday, he still works 19 hours, 7 days a week, and at the end there is indeed return. In his first week of work, his premium collected reached $92,000.

There is indeed a great effort put in for every great success!

Words to Ponder!

2009-11-03T20:29:00.000-08:00

A prominent salesman will not only persuade people to accept his products,

and to accept his ideas or view of point as well.

A message from agent!

2009-10-29T19:18:00.000-07:00

" Hi, ..... . I am tension for doing insurance. I want to maintain the target, and maintain my agency status... I want to prove to my friends who rejected me before that i can do insurance for a long long time... that make me feel tension. My family members wish to support me but they are lack of money. I don't know what can i do now?" - Frustrated Agent

This is a message from one of my agents who is struggling to survive in this industry. She has been in this field for 2 years, being part-time and she is a teacher. Her main problem is that all the prospects she had talked to do have insurance already which makes her feel frustrating. And she is still not yet meeting her maintenance quota by a far range of $10,000 as at November 2009.

She is like a "child" of mine, and i am being her "father". I have the responsibility to nurture and teach her how to grow up and stand up in this business.

Someone got any comments/suggestions/encouragements to her & to me as well?

Extra service!

2009-10-21T02:49:00.000-07:00

Now most of the things require high tech, even booking air tickets require online booking.

But most of the elderly one are new to it.

We can provide extra service of helping the elderly ones to book their favourite tickets, or those youngsters who have not got any credit cards to pay for the online air ticket.

We can even inform them whenever there are offers and discounts of the airlines promotion period.

That will help your relationship with them getting closer and closer.

Most importantly, through helping their families and friend and relatives booking the tickets, you got the chance to get known to them and close a sale with them.

Words to Ponder

2009-10-18T20:08:00.000-07:00

Never find an EXCUSE for a FAILURE!

Always find a WAY to achieve!

A good way to promote insurance

2009-10-15T04:15:00.000-07:00

A good way to promote insurance:

Invite those clients who had claimed insurance before or the beneficiaries of the insurance

to share with your group colleagues to have them encouraged and inspired

and

with the prospects and clients to have them realised the importance of insurance and its true meaning.

Most of all, they will appreciate what you did.

Words to Ponder!

2009-10-12T04:11:00.000-07:00

First 3 years in life insurance, there is no SUNDAYs at all.

After 3 years later, everyday becomes SUNDAY.

Do you get the meaning?

Why do agents leaving insurance industry?

2009-10-11T20:33:00.000-07:00

This is a question faced by many group managers indeed.

For my personal point of view, agents leave because of the failure of the battle of their own mind.

They themselves first failed in mind battlefield, so they persuade themselves to leave this industry.

Giving up is easy indeed. So, that is why only minority of 5% differ from other majority 95%.

Words to Ponder!

2009-10-09T18:01:00.000-07:00

When You SAVE today,

You & your family will be SAFE tomorrow!

We are Businessman!

2009-10-07T03:27:00.000-07:00

Please remember that we are businessman, not merely salesman.

A businessman is profit-orientated, not only based on commission.

What does businessmen do?

They will put in every of their effort to push up their business volume and hence higher profit.

So do we!

Who are you?

BUSINESSMAN!

Objection

2009-10-05T20:33:00.000-07:00

When a person said to you that he got 3 policies already, what is your response?

You should reply to him that you don't care how many policies he had got.

What you care is whether he got enough insurance protection.

Words to Ponder!

2009-10-03T20:25:00.000-07:00

In every field,

only those who are DEDICATED to their MISSION

will reach GREAT height!

Telephone Sales Techniques

2009-09-06T05:18:00.000-07:00

A new agent should be required to make 100 cold calls every week.

So that one should get 10 appointments on average and hence close 2 cases on it.

It is even better that one concentrates on a targeted level of prospects e.g. businessman.

As a matter of fact, believe it or not, there may be no one calling to them.

Recall the old story that a beauty stayed at home, watching TV alone on weekend nights as nobody dared to invite her out as they think of she being busy dating guys.

So, have courage to make the calls now.

Buying Insurance

2009-09-04T04:04:00.000-07:00

Actually, we are not buying insurance.

We are just transferring some of our money from our bank to
another SPECIAL BANK,
to keep saving there and that SPECIAL BANK offers extra benefit
i.e. insurance protection.

Words to Ponder!

2009-09-01T05:15:00.000-07:00

What you hear may be forgotten,

What you say may be remembered,

BUT only

What you do may be fully specialised in.

Badminton Competition vs Insurance Selling

2009-08-28T18:54:00.000-07:00

I like to play badminton as my hobby.

About a month ago, i registered for a club badminton competition.

While playing, i can noticed that my competitor is not actually as good as i am, but at the end, he managed to win over me.

I figured out that it is because of my play-play attitude, not wanting to win actually.

I realised that i have the same attitude in my insurance career.

I just talk to the prospects of the benefits of my company's plans, but i did not sell to them, not seriously asking for a case closed. So that they just keep pondering and pondering, without any actions.

So, i need to bear in mind that in order to get a sales, i need to eagerly wanting first and then doing all my best to help them own the plan.

Words to Ponder!

2009-08-26T03:51:00.000-07:00

The thing that makes us feel suffering & painful
is not the happening itself,

but

the way we look at it!

No need to be scared of nos

2009-08-22T05:19:00.000-07:00

When you got the response, no matter it is a no or yes, at least you got a conversation starting already. It is no more your own presentation.

It is a conversation between you and the prospect. That is what you wished for.

Rejection is part of conversation, and it gives you chance of finding out the solutions to his/her problems.

You yourself have to figure out, the reason he said no to you.

NO....No....no....

2009-08-20T05:10:00.000-07:00

The more nos you get, the more achievement you should have.

If you didnt get nos, that means you did not see any people.

Whereas,

when you see people, there must always be someone saying nos to you.

May be a lot more nos.

They may dislike your hairstyle.

They may dislike your wearing.

They may dislike your looking.

They may dislike your insurance plans proposed.

They may dislike your presentation.

They may even dislike your personality.

There will be a lot of people dislike you, saying nos to you.

So,

just take a break and get used to it,

and most importantly, keep going on.

4 Things You Cannot Recover

2009-08-17T18:27:00.000-07:00

So, bear these in our Mind!

Words to Ponder

2009-08-15T23:53:00.000-07:00

No matter what, at anytime,

you should not let others deny you,

especially YOURSELF!

2009-08-13T23:45:00.000-07:00

A statistic study shows that 50% of the advertising will bring in 90% of the business.

But unfortunately, no one can find out which 50% of it is working.

We, agents, are advertising ourselves to the public, to people around us. We advertise through namecards, through referral, through getting in touch with people, through newspapers and even through internet.

But we do not know which % of it will help bring in new businesses.

We just have to do our best, not missing up any chances to advertise ourselves.

"Must Win" attitude!

2009-08-11T23:38:00.000-07:00

When we own the "must win" attitude, we will get rid of the "will fail" feelings.

It will helps us moving ahead.

Success vs Failure

2009-08-09T03:33:00.000-07:00

What is the difference between success & failure?

Merely by action difference!

MUST!!!

2009-08-07T03:28:00.000-07:00

"I want success" is not good enough to make you really succeed.

"I MUST succeed, no matter what."

Only "Want" will get you drifted away easily by some obstacles ahead.

BUT,

"MUST" will get you be firm on what you head for.

Belief!

2009-08-05T03:23:00.000-07:00

When a person BELIEVES in himself, that he can achieve his GOAL,

MIRACLE will fall upon him indeed!

The Best Way to Prepare for Tomorrow is ...

2009-08-03T03:15:00.001-07:00

To gather all your thoughts,
all your enthusiasm,
to do today's works with full capacity!

Tell yourself everyday...

2009-07-31T18:05:00.000-07:00

that

I treasure my work!

Friendship with your clients

2009-07-29T18:01:00.000-07:00

How is your relationship with your clients?

Not seeing them at all after case closed?

To keep in touch with your clients is really important.

Just like you will automatically call out your good friends to have drinks & chit chat.

Why not do the same for your clients?

They can be your good friends and teachers too.

Words to Ponder!

2009-07-27T18:00:00.000-07:00

LIFE is

.
..
...

OPPORTUNITY !!!!

Love what you do!

2009-07-25T19:13:00.000-07:00

If you LOVE what you do,

you will certainly feel no pressures at all,

and

success is not far from you anymore.

Car Accident of a client

2009-07-25T01:35:00.000-07:00

This afternoon, around 1pm, i got a call from my client saying that his wife got car accident and was now in hospital.

I quickly then went to pay a visit to her. When i arrived and went into her room, i saw her right face was swollen with her right eye cant being opened. She said she rode a motorbike and was turned upside down while her motorbike got strangled with a wire on the ground.

She was truly hurt with her head. She got medical insurance with another insurance company, which she had not been paying premium for some years. Fortunately, the policy was still inforced, so her hospitalisation & surgical fees will be taken care of by medical insurance.

So, she do not have to worry for the medical fees.

I had get known her for around 5 years. I felt sorry for her mishap. Hope she will get well soon.

And i suddenly realise that nothing is more valuable than human life and their relationships.

Take care, everyone!

Reminder

2009-07-23T19:08:00.000-07:00

Whenever you see a prospect,

Keep In Mind that,

you just want to make friends with them, to listen to their stories & life experiences,

NOT wanting to earn commissions from them.

Heaven?

2009-07-21T19:03:00.000-07:00

"Many people dreamt of the far-away heaven.

Why don't they enjoy the present moments they got (Given by God) in earth?"

~ Be thankful!

Do you have 100 clients?

2009-07-19T18:36:00.000-07:00

"Do you have 100 clients?

Please leave aside those 99 people, and grab the top 1 person who got the higest value. Spend more time with him/her to excavate more potential clients from him/her."

Remember that the top 1% of your clients is the way to success.

Treat it as a RPG game!

2009-07-16T20:36:00.000-07:00

Treat our insurance sales as RPG game! That is a good way to enjoy fun of our job.

Our role is to get the information of people around us, solve their problems and we will get the rewards from them.

Goal!

2009-07-14T20:02:00.000-07:00

We should set our short term & long term goal. If we only had long term goal without short term goal, then long term goal will seem far away, and even can be unattainable, so make us frustrating & giving up.

So, some examples of our short term goals should be daily goal or weekly goals. These short term goals will make me easily achieving them and thus achieving long term goals too.

One practical example is:

Now is July. If i wanted to achieve MDRT, it requires $390,900 of first year collected premium.

Then take it for 5 months to do it, it will require me to get $78,180 monthly.

And breaking it down to weekly, it will require me to get 19,545.

ANd breaking it down to daily (with 5 days of work per week), it will require me to get $3,909.

So, everyday my goal is to get at least a case of $3,909(or you can even break it down to 2 cases per day), so that i would achieve my long term goal of MDRT.

Dare To....!!!

2009-07-12T18:43:00.000-07:00

Be dare to do anything!

Dare to talk to strangers.

Dare to make friends with strangers.

Dare to introduce your products to the strangers.

Dare to ask them questions to help them find out their problems.

Dare to ACT!

Life is Fun!

2009-07-10T19:34:00.000-07:00

Take a break! Life is fun!

An inspiration!

2009-07-08T20:59:00.000-07:00

Last few weeks ago, i went to join a badminton competition for young people group at a stadium.

Inside, i saw many youngsters of around age 13-17. They played so well that i could not believe my eye. I even doubted their real age. But later i realised that they got a training coach, who train them eveyday on the skills and staminas. And that is why they become so good in playing badminton.

I realised that a person need to be trained to be an expert in something. No one started from the best. If we wanted to be good at something, we need a good trainer to help us, or a good coach, who can guide us everyday. So, even youngsters can become expert if they were trained closely too.

BE the 1st!!!

2009-07-06T20:16:00.000-07:00

Being successful?

2009-07-04T03:45:00.000-07:00

One thing i learnt is:

" No matter how successful you are, remember that somebody helped you!"

We become successful not due to our greatness, but due to the supports of all our families, friends, clients or people around us. So, we have nothing to be boastful of ourselves.

Be thankful!

Sales idea!!

2009-07-02T20:17:00.000-07:00

"Hi, Mr Prospect. If you owned a SPECIAL MACHINE which print out CASH monthly of $5,000(if it is legal in reality),

are you willing to insure for it?"

Wait for the prospects to answer

& say

"You are that cash-printing machine!"

Words to Ponder!

2009-06-30T18:53:00.000-07:00

There is no such things as " CAN'T ",

only you WANT it or NOT!

Beware!!! & Take Care!!!

2009-06-27T03:53:00.000-07:00

DO take care in this CRITICAL period!

Shock of Michael Jackson's Passing Away??

2009-06-26T20:10:00.000-07:00

No Surprise! Everyone should face it someday at certain times!!

So, TREASURE what we have right now, without complaining for what we don't have!

Be THANKFUL for what we OWN!

A Top Agent Sharing of her secret!

2009-06-25T03:22:00.000-07:00

She is still young, at age 38.

She qualified for COTT in year 2006 & 2007, apart from many years of MDRT.

She is from Johor, Malaysia.

For her personal sales secret, she won the success through her "daring-to-fail" attitude. She started in this career with cold calling through yellow pages namelists. And she dared to speak directly to the bosses.

For her recruiting of agents secret, she will give the new agents a probationary period of 3 to 6 months, and afterthat he/she must become full time agents, or else he/she should decide whether to leave or stay. If stayed part-time, then no more supports from her.

Questions for us to ponder

2009-06-23T02:41:00.001-07:00

Every single agent learn from the same training, selling the similar products.

BUT....

How come there is a huge difference or gap of the production among all the agents?

WHY???

There are many factors, of course!

Let us ponder for it carefully & we will discover the secrets!!

Have you played basketball before?

2009-06-21T02:47:00.000-07:00

For those who played basketball, how often do you fail to throw into the basket?

And did Michael Jordan got more failure than you do or vice versa?

Your answer would be Michael for sure!

See! Success belongs to those who face most failures than anyone else in their life! They persevere through the failures!

Only will we become successful too after we faced lots of failures than anyone else!

Get the Idea???

Dream of Impossible!

2009-06-15T19:35:00.000-07:00

This is impossible for us right now at this moment,

BUT who knows......

Some years or decades or even centuries later it will come into reality!

Words to Ponder

2009-06-12T03:52:00.000-07:00

Laziness & timidity would never make it to enjoy the joy of success.

Most people fall in either or both of these categories, which make them hard to achieve what they want in life.

Life is Fun!

2009-06-10T19:29:00.000-07:00

Take a break! Have fun!

Words to Ponder

2009-06-08T03:48:00.000-07:00

"If you DO what other people are DOING,

you will ....

GET what everyone else is GETTING!"

Sharing of A Top Producer

2009-06-03T17:40:00.000-07:00

She is from Malaysia, slightly 40 yrs old. And her education level is up to Form 3 only. She was from a rather poor family background.

Her first job was a sales promoter at a supermarket. And she put in all her effort to do her best and won the heart of her managers & colleagues. Her income was roughly $800 per month in year 1991, but she still not satisfied with it as she thought of having her own dream house, instead of living in an apartment sharing among friends.

And she knew that her English standard is very poor, and her education level is low as well. So, when she heard of insurance career as a high income earning one, she immediately joined in without any hesitation in year 1992.

But things did not go smooth. She met a lot of rejection and she even started of giving up this insurance job. One day when she came back to her living place, she looked at her place, being shared among some Malay, Hindu, Philippines roommates and this was so far away from her own dream house. She then decided to not giving up. If she gave up, she would live in this place forever. But if she persevered in it, she might have chance of change of her destiny.

From that day onwards, she achieved her first MDRT in year 1997. And she got pregnant in year 1997 as well, but she still made no excuses, and continue to strive for MDRT the second year, third year onwards till 2009.

Her point of view:
- We are our own architect.

- To earn, first we must learn.

- How much does a building worth? And how much does a match worth? But a match can easily burnt up a building. And this match is what we called "RIGHT ATTITUDE". With right attitude, anything seems impossible can be done.

Did you know? Time for a break!

2009-05-31T18:39:00.000-07:00

A Top Agent Sharing of his success!

2009-05-29T03:56:00.000-07:00

He is from Malaysia. He joined in this industry since year 1995. He had achieved MDRT for more than 5 years. He is Mr. Melvin Chong Hsien Loong, with age of less than 40.

He started with his first 2 years as being unproductive years with a "playing" attitude, as he reasoned it to a LACK of DISCIPLINE.

A turning point for him while he met the accidental death of his client, with his policy not inforced yet due to no premium collected. And the prospect's mother scolded him for not being a responsible agent.

Since then, he CHANGED! He become one of the top in his company. And he create a customer presentation system through using FLASH software.

His mission is to convert people to the "religion of life insurance".

Handling Objection!

2009-05-27T03:52:00.000-07:00

No MONEY?

It's not a question of affordability. It is a priority issue.

If you cannot save $250 a month, how can you pay $20,000 later for surgical operation then?

If you cannot save $250 a month, then you are telling me that you cannot afford to fall sick.

And that is why you need insurance.

REMEMBER Priority first!

Education System

2009-05-25T03:51:00.000-07:00

Mission Done Process: To "Educate" rathen than to "sell".

Sell is for salesman's benefit. But educate is for client's benefit.

Words to Ponder

2009-05-23T03:46:00.000-07:00

DO or DO NOT, there is NO TRY!

State of Mind

2009-05-21T03:19:00.000-07:00

Whether you are happy or not, you still have to live, still have to face the problems ahead. It is our attitude that determines how we react to a situation.

If a prospect simply rejected you, will you become disappointed and be unhappy for the whole day then? Or will you take a smile at it and continue on with next one on your prospect list?

Take note that the situation is the same, but the reaction will be different for every agent. Anyway, you still have to live. So, what? What's the big deal with this rejection?

Go on! Keep going!

Motives!

2009-05-19T03:04:00.000-07:00

A new car or a new house can makes us feel motivated to work even harder.

This is a good motive to have! It usually occurs when you got something preciously new.

We strive for it through our hard work and we treasure it.

What's your motive then?

No Pain, No Gain!

2009-05-17T17:53:00.000-07:00

Indeed in this world, this philosophy of "No Pain, No Gain" stood firmly upon the earth.

No shortcut, only back to basics!

In order to win, you must first start the race. Though fail, you still win the health, win the experience.

Simply don't take anything for granted! Be thankful for every single thing or event happening upon us whether good or bad or frustrated.

As the chinese saying goes, God will send trials, tribulations, frustration, pressures, poverty and even hungry upon a person before he was granted a mission to enact on.

What is Life Insurance?

2009-05-15T19:55:00.000-07:00

- Life insurance is simply cash to be paid to somebody, someday.

- Life insurance is to protect what you have.

- Life insurance is saving if nothing happened and insurance if something happened.

- Life insurance is cash when you need it most.

Words to Ponder

2009-05-12T03:47:00.000-07:00

If you don't dare to run, you won't have the slightest chance of winning.
If you don't dare to fight, you won't have a smallest chance to win the battle.

Did you know? Tips for our body

2009-05-10T18:35:00.000-07:00

So, we can imagine that if a person got high blood pressure, it will cause the hardness for the heart to pump the blood around our body every second, every minute, every hour, every day, every month and every year. So, everntually you will know what will happen to the person.... heart attack.

Happy Mother's Day!

2009-05-09T19:48:00.000-07:00

The adversities agents faced

2009-05-08T17:09:00.000-07:00

To share with you all, normally agents face the following adversities:

1. No prospects to see.

2. Being fooled by prospects (not keeping their word to come to appointment date).

3. All kind of rejections.

As for me personally, my current situation is fall under 2. I feel the untrustworthiness of the people, and i felt disappointed too with these people. But what i can do is to continue on, do what i do, to do my best in my career with persistency. I firmly believe that it is not that i have did my best, but that the timing for me has not come yet. When it come, i will get all i should deserved.

So does everyone of you! Hold your faith, warriors!

Words to Ponder!

2009-05-05T20:49:00.000-07:00

“Our greatest glory is not in never falling,

BUT....

in rising every time we fall.”

~ Conficius(One of China's Most Influential Person)

Take Care while this H1N1 disease spread out around the World!

2009-05-05T19:31:00.000-07:00

New Movie Review

2009-05-04T04:32:00.000-07:00

Recently, i had watched a funny movie called "Pall Blart:Mall Cop".

It's about an divorced man, who is a fatty guy with no talents at all and whose job is shopping mall's security guard. He could hardly find any other girls to get marry with him ever after divorce. On one day for executing his daily routines, he fell in love with a woman inside the mall.

He got self low esteem in front of the woman, but he brought up the gut and start to woo after her. And at the end, he successfully manage to marry her after a shopping mall robbery case shows his bravery to rescue her.

From this movie, i can see that actually many new agents will feel yourself quite low in front of your prospects, especially at times when in down mood. They feel that they might not be able to "sell themselves out " to the prospects with their many weaknesses. But if you at least gave it a try, you might see a change & a turning point for you may appear.

So, do not give up easily. Have faith in yourself! Believe in yourself that you are unique! You got your own special gift by God!

Big Inheritance?

2009-05-03T04:59:00.000-07:00

Many people say they don't want to buy insurance to leave big inheritance to their children or else they will be not hardworking anymore.

To give children a big inheritance is not suitable and only through insurance will leave a suitable amount to the children for future needs.

Can afford or not?

2009-05-02T04:18:00.000-07:00

Insurance is affordable for everyone to own,even though it is just a protection plan, you own the protection for your family.

Happy Labour Day!

2009-05-01T14:28:00.000-07:00

Did you know? Time for a break!

2009-04-30T18:33:00.000-07:00

5 don'ts to note for achieving MDRT!

2009-04-29T03:35:00.000-07:00

5 don'ts for achieving MDRT:

1. Don't make any excuses.

2. Don't complain for anything.

3. Don't worry about anything.

4. Don't lack of self confidence.

5.Don't just talk & no action.

How to achieve MDRT???

2009-04-28T03:26:00.000-07:00

MDRT = The Code of Success!

To achieve MDRT,
we have to adjust our daily activities.

1. We need to get up earlier.

2. We need to be keen on seeing prospects.

3. We need to give up some activities that are not vital to our business.

4. We need to keep exercising and playing sports each day.

5. We need to be on bed on a fixed time, maintaining our good condition.

Make Clients Our Friends!

2009-04-26T01:29:00.000-07:00

Prospects are not only sales target, they can be our good friends too.

Their success story, full of experience and vast perspective of life, can be our great spirit treasures.

Treasure it! Make good use of your clients & prospects!

The Charisma of Superior Service!

2009-04-25T05:15:00.000-07:00

Being professional, it does not matter in what field, we can win the trust and respect from our clients if we get the job well done, and we can even make our clients unwilling to set apart from us with our superior service, though it could cost them much more.

That's the power of the Superior SERVICE!!!

What for we got 2 ears, 1 mouth?

2009-04-24T05:11:00.000-07:00

2 ears, 1 mouth is what we should have got, God-given gift. It is meant for us to listen more than talk, listen what our prospects say and what message they want to express.

If not, we will be parallel with our prospects and can never meet at a point.

Ask Yourself 3 Qs before seeing the prospect

2009-04-23T04:27:00.000-07:00

Before seeing the prospect to talk insurance to him/her, we should ask ourselves 3 questions:

1. Why should he/she buy it?

2. Why should he/she buy from me?

3. Why should he/she buy from me today?

If we could not answer them, we got little chance of success. If he did not have the need, or had not enough realisation & understanding, then he is not an ideal prospect. If he did not have faith in me, then he would not buy from me. And if he did not have that sense of urgency, of course, he would not make the decision to buy at the point.

Performance!

2009-04-22T04:07:00.000-07:00

A famous singer's mother once said to her,"I can't believe that these fans are so crazy that they are willing to pay you $20million patent fee just for one song." She replied," It is not merely a song, it is all of my life & soul in it." She demanded that for every performance should be totally perfect, not minding for the costs. That is why all those fans are so crazy of her.

We too, should demand our best performance everytime when meeting prospects, though it may be a 15 minute talk, but that is an instilment of our several years knowledge & experience, so that our prospects would like us too.

New file uploaded! FOR FREE!

2009-04-21T01:42:00.000-07:00

Ben Feldman's famous sales idea of Magic Bill.

Try it, use it to make it your style!

Shhh!!! Listen

2009-04-20T03:09:00.000-07:00

"Shhh! Don't talk, listen!"

We used to hear it often when we were child. I would like to say the same thing to you again "Shhh! Don't talk much, listen!" when you are meeting your prospects.

It is more important to listen than say in sales!

Busy! Busy!

2009-04-18T05:33:00.000-07:00

We have heard a lot from our prospects that they are busy with their work, they have no time to see us.

So, it looks like that it is one of our job to "create" a free timespace for them among their times schedule.

Take initiative to help them "create" one, if they said got no time.

Timing again!

2009-04-17T04:11:00.000-07:00

In face of rejection, what we can do is waiting. Waiting for the right timing to come! Wait for their circumstances changing, their mindset thinking changing, a willing-to-accept-me heart. Then i can be of service to them, playing an important role in their life.

As long as we hold the hope everyday, our life will be meaningful indeed.

How to make a cat afraid of a mouse?

2009-04-14T19:06:00.000-07:00

Easy! Just being bigger size than the cat! So, next time, when we think of a mouse, do not have the mindset that it is smaller than the cat anymore.

Mindset controls our thinking, so be positive then. Everything is possible!

Words to Ponder

2009-04-12T03:45:00.000-07:00

Yesterday is an used cheque.
Tomorrow is a credit card.
Only TODAY is CASH, should make full use of it!

The value of Insurance

2009-04-11T03:04:00.000-07:00

If you ask a housewife the value of the insurance, she probably cannot feel it.

BUT if you ask a widow, she will definitely knows its value!

Life Insurance Forum

Japan Tsunami

U know about Coronary Artery Block?

New Zealand Christchurch EarthQuake

Christchurch Earthquake

The Year of Tiger

BOP talk

Words to Ponder

Is your desire strong enough?

Year 2010 New Year!!!

A story to share!

Time Flies....

One Great Agent story

Words to Ponder!

A message from agent!

Extra service!

Words to Ponder

A good way to promote insurance

Words to Ponder!

Why do agents leaving insurance industry?

Words to Ponder!

We are Businessman!

Objection

Words to Ponder!

Telephone Sales Techniques

Buying Insurance

Words to Ponder!

Badminton Competition vs Insurance Selling

Words to Ponder!

No need to be scared of nos

NO....No....no....

4 Things You Cannot Recover

Words to Ponder

Advertisement

"Must Win" attitude!

Success vs Failure

MUST!!!

Belief!

The Best Way to Prepare for Tomorrow is ...

Tell yourself everyday...

Friendship with your clients

Words to Ponder!

Love what you do!

Car Accident of a client

Reminder

Heaven?

Do you have 100 clients?

Treat it as a RPG game!

Goal!

Dare To....!!!

Life is Fun!

An inspiration!

BE the 1st!!!

Being successful?

Sales idea!!

Words to Ponder!

Beware!!! & Take Care!!!

Shock of Michael Jackson's Passing Away??

A Top Agent Sharing of her secret!

Questions for us to ponder

Have you played basketball before?

Dream of Impossible!

Words to Ponder

Life is Fun!

Words to Ponder

Sharing of A Top Producer

Did you know? Time for a break!

A Top Agent Sharing of his success!

Handling Objection!

Education System

Words to Ponder

State of Mind

Motives!

No Pain, No Gain!

What is Life Insurance?

Words to Ponder

Did you know? Tips for our body

Happy Mother's Day!

The adversities agents faced

Words to Ponder!