To sell insurance to people , young adults around my age
would be first a pretty hard feat I think. I would use television shows for
advertisements, alcohol products, sponsor events, etc. I would try to reach out
to young adults when and where possible. I would also give rewards and perks
for signing up as well as staying with my company.
“ I would hold focus groups to better understand the
constantly changing attention of young people. After almost twenty-five years consulting and helping
physicians, dentists and many other healthcare professionals attract more of
the patients and cases they want, I’m very used to hearing complaints and
resistance to “selling” patients on various healthcare services and solutions.
It’s understandable because most healthcare providers pursue
their careers because they want to help and heal, not sell and deal. It’s also
common for many people to associate the concept of sales with various negative
connotations related to manipulation, trickery, false promises, etc.
But if you understand sales as the art of influencing people
to see the value of good products and services, you quickly begin to appreciate
that ethical selling in healthcare is about helping people appreciate and value
decisions about their health needs and desires for a healthier, happier life
that can have a profound, positive impact.
And when you really believe that what you are “selling” can
and does make that kind of difference for people, you don’t feel like you are
selling at all – and the people who benefit from what you can do to help them
don’t feel like they are being “sold.” All the negative connotations and
uncomfortable feelings are absent from the conversation.”
The medical and health care industry has got to be the
industry where ethics is very important. Unlike any other professions, those
under health care are faced with different kinds of ethical issues every single
day.
Doctors, nurses, therapists and everybody else working in
this industry may be conflicted with some ethical decisions that have to be
made. Because of numerous ethical issues in health care that may arise every
day, hospitals and other health institutions are now required to form an ethics
committee.
The ethics committee is a group of people who assists
patients, the patient’s families, and health care personnel in identifying,
understanding, and resolving ethical issues.
In most cases, the ethical committee is composed of
physicians, nurses, social workers, ethicists, a hospital chaplain and a
lawyer. The ethical committee will be responsible in writing a set of ethical
policies and a code of ethics. When making ethical decisions, there are certain
values that the committee needs to be aware of. The basic principles of ethical
decision making are Beneficence, Autonomy, Non-maleficence and Justice.
“Over-Insurance
- Over-insurance
is one of the most common temptations presented to agents. Insurance
agents are paid a commission commensurate with the size of premiums. By,
"up-selling," an insurance producer can increase his earnings.
However, the client may find it difficult to pay for excessive insurance.
Ideally, the agent's objective in selling an insurance policy is to
protect the assets and quality of life for the survivors of an insured
person's untimely death. Insurance death benefits should not be
"life-changing" money. Rather, they should prevent loss of
wages, child-care or funerary expenditures from being life-changing.
Insurance is risk-management, not a lottery.
Types of Insurance
- The
two most common forms of life insurance are permanent (also called
whole-life or universal) and term. Permanent insurance, once issued,
typically covers the insured until age 100 or until death, as long as
premiums are paid. By contrast, term covers a specific time period, from 10
to 30 years. Permanent coverage has advantages, like accumulation of cash
value, and as long as the policy is not dropped, the insured person will
not have to ever prove insurability. When a term policy expires, the
insurance company will reconsider the insurability of the policy holder,
and this may mean much higher rates or outright rejection of another
policy. For pure risk management purposes, term is usually better,
offering much lower premiums for equivalent coverage. But, the higher
premiums of permanent policies also mean higher commissions, and some
agents will push these policies out of self-interest rather than the
client's interest.”
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