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Career suraksha
 

Career suraksha

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COME AND JOIN ME TO A GREAT CAREER

COME AND JOIN ME TO A GREAT CAREER
IF YOU WANT YOUR DREAMS TO
BECOME REALITY CONTACT
rravindrakumar@gmail.com

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  • Full Name Full Name Comment goes here.
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  • Nice Presentation
    Very Usefull & attaractive one
    Pl mail me the PPT to licsundar@yahoo.com
    A.Sundarrajan
    Development officer
    Ambattur branch, Chennai D.o II
    +919841070080
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  • Rravindrakumarji, U have developed excellent ppt for All marketing personnel, Pl mail me the above ppt & oblize. I am working with LIC in Ahmedabad Div. as a Development Officer . My Email :nimism@gmail.com & My contact no.8401034134. Thanks
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  • Another diagnostic tool is financial goals. Unfortunately many people don’t have written financial goals. They might have an idea in their mind about what they are striving for but unfortunately many don’t write these goals down and make it into a workable plan. That is one of the main purposes of a comprehensive financial plan. When you have written financial goals, you can measure your progress against them. Financial goals should be SMART goals with a specific date and cost. They should be attainable and relevant to your personally. Goals have different time frames and should be considered when making investment decisions. Short-term goals less than a year Intermediate goals from 1 to 5 years Long Term Goals more than 5 years To reach goals, track spending, look for ways to increase income or decrease expenses to save money and reduce debt. This publication will provide tools to assess financial strengths and weaknesses and suggest ways to improve your financial health.
  • Assessing progress toward retirement goals is also important. The process for doing this is outlined on the slide. First, you estimate the amount of income required annually. Next, you subtract anticipated sources of income. Finally, you determine the amount of savings needed per year and per paycheck to reach your goal.

Career suraksha Career suraksha Presentation Transcript

  • Thank you very much for giving me the opportunity to present to you a Wonderful Career as a Life Insurance SALES MAN-GER
  • Grow beyond your limits R.RAVINDRA KUMAR
  • Salesperson Diagnostic Analyst Information Provider Tactician Strategist Change Agent
  • Sales as career
    • How to make it A PROFESSION
  • This business is like agriculture
    • What you sow is what you reap
  • Step 1 Become a thorough PROFESSIONAL
  • Goals for Financial Planning Continuous study Upgrading hi-fi/ car Home/ property buying/ Changing for a bigger flat Business startup Kids’ education Well-off retirement life To achieve the goals, it can be done through Wealth Protection & Wealth Maximization Different life stages Job starters Parents Working Single Married w/o kids
  • The Personal Financial Planning Process
    • Step 1: Evaluate Your Financial Health
    • Step 2: Define Your Financial Goals
    • Step 3: Develop a Plan of Action
      • Flexibility, Liquidity, Protection, Minimization of Taxes
      • Consider Your Goals
    • Step 4: Implement Your Plan
    • Step 5: Review Your Progress, Revaluate, and Revise Your Plan
  • Step 1: Evaluate Your Financial Health
    • Evaluate your current situation: income, spending, wealth
    • Assess your whole financial picture
  • 2. Define Your Goals
    • Make your goals SMART
      • Specific (date, cost)
      • Measurable (progress)
      • Attainable
      • Relevant
      • Time-related (deadline)
    • Short-, intermediate-, long-term (match investments to goal time frame)
  • Step 3: Develop a Plan
    • Consider future needs:
      • Create a budget
      • Determine investment strategies
      • Plan for big-ticket purchases
      • Plan for managing debt
      • Plan for insurance
      • Plan for the expense of children and college
      • Plan for retirement
      • Plan for estate transfer
  • THE BASIS OF FINANCIAL PLANNING Life Cycle Stage Phase I Phase III Phase II Birth & Education Earning Years 38 yrs 22 yrs Over 25 - 30 yrs Housing Child Education Children’s Marriage Retirement Marriage Children Income 22 yrs 60 yrs Age Business Consolidation
  • THE LONGER WE WAIT THE LABOURIOUS, STEEPER & HARDER TO CLIMB & ACCOMPLISH
    • 25 yrs 35 yrs 45 yrs 55 yrs 60 yrs 65 yrs
    FINANCIAL GOAL
  • Step 4: Implement Your Plan
    • Use common sense and moderation; don’t force yourself to track every penny.
    • Remain positive about your plan; use it as a roadmap.
    • Stay on track after the detours; rewards await you.
  • Step 5: Review and update Your Plan
    • Periodically review your progress to see if any fine tuning needs to be done.
    • Make sure that your plan still matches your goals.
    • Be prepared to start over if your plan no longer meets your needs.
  • Retirement Check-Up form the day you start earning
    • Estimate required annual income (% of pre-retirement income)
    • Annuity, Need of Feature earnings, etc.
    • Estimate life expectancy & retirement age
    • Determine total required savings
    • Add up value of existing retirement savings
    • Subtract future value of savings
    • Calculate total savings needed & annual (or per-paycheck) savings amount
  •  
  • WHY TO SAVE ?? According to a recent study by the Department of Health and Human Services, for every 100 people starting their careers at the age of 25 years, the following situation exists at age 65 years.
  • Majority of them are depending or are compelled to work for their livelihood.
    • 54 are dependent
    • 36 have died
    • 5 are still working
    • 4 are independent
    • 1 is wealthy
  •  
  • WHY WITH Life Insurance ??
    • It is a bridge from where you are today financially, to where you would like to be in future.
  • … and SOLUTIONS LIC offers the right balance between P ROTECTION and I NVESTMENT & C ASH @ every stage LIC gives ultimate solutions Start Business Marriage Children Education Retirement Child Wedding
  • So how do YOU do it for them? It’s simple…a balancing act…between Protection Needs of the consumer - Protection against untimely Death / Diseases & Investment Needs of the consumer - for creating wealth for children’s future, retirement, house, car, etc ... Provide Future Financial Protection to you and your family Save Tax
  • Advantage - Protection
    • Flexibility to life cover
    • Health riders – protection at all times
    • Life protection against accidents
  • Advantage - Investments
    • Tax benefits u/s 80C for premiums and u/s 10(10D) on maturity / death
    • Provides facility of withdrawal / premium holiday
    • Returns potential – 19% p.a. return from equities (in India) since 1978.
  •  
  • A FISH IS ALSO PLANNING FOR FOOD AND SAFETY ARE U ?
  • Sell with Full Mind Power
    • DO IT
    • ONLY YOU CAN DO IT
    • NOTHING IS IMPOSIBLE
  • TODAY’S MARKETING PROFESSIONAL IS
    • MARKETING EXPERT
    • Prospector & Problem Solver
    • Time Manager
    • Profit Centre
    • An Application Expert
    • A Consultant
  •  
    • No rule for success
    • Only Rule is “FLEXIBILITY “
  • How to close more Sales
    • In today’s Market you can get more Sales
    • Being more skillful
    • Sharing more information / Time with Prospects.
    • By Making Quality Presentation
  • YOUR JOB
    • As TODAY’S Financial Planner is
    • Selling Product and Services
    • Becoming a Problem Solver
    • To be Consultant
    • A High Achiever
  • Rules
    • To be Successful in Selling Life Insurance
    • To Be Skillful
    • To use lots of Techniques
    • To change our ATTITUDE
    • To be FLEXIBLE
  • MIND PROCESS OF SALES
    • THINKING
    • PROSPECTING
    • APPROCH
    • NEGOTIATION
    • CLOSING
    • DELEVARY
  • THINKING
    • Preliminary fact finding
    • Normally based on personal observation
    • I have decided that this company/ group /
    • Individual is worth spending the time with and Wish to process
    • Qualify him or her to be SUSPECT
  • PROSPECTING
    • GET further details about the suspect.
    • IDENTIFY (CASH , ATTITUDE, POWER )
    • If he is CAP Choose a Sales approach and gain an Appointment to see CAP
  • APPROACH
    • Approach
    • Identify his needs Present and Future Fix Price (Quote Premiums ) & Product suitable to CAP
    • SUGGEST
    • So he / she can take decision.
  • NEGOTIATION
    • PRESENTATION
    • FACT/FEATURE
    • Advantage
    • Benefits
    • Nail Down
  • CLOSING
    • Close the Sale with
    • Good note
  • DELIVERY
    • Send a Thanks note
    • Keep Relations with clients and ask for the reference.
  • Lesson 2
    • LIFE INSURANCE MARKETING is like Cricket 20/20 match
    • You are the bowler
    • Prospect is like a Batsman
  • LIFE Marketing is a Mental Game-1 Ability to bounce back
    • Toy Game
  • LIFE Marketing is a Mental Game-2 Protect your mind well
    • helmet
  • LIFE Marketing is a Mental Game-3 Selective receptivity
    • Toy Game
  • MAHATMA GANDHI’S 3 MONKEYS
  • Become BLIND TO NEGATIVES
  • Become DUMB TO NEGATIVES
  • Become DEAF TO NEGATIVES
  • LIFE Marketing is a Mental Game-4 Commit for long term
    • Toy Game
  • LIFE Marketing is a Mental Game-5 Feed everyday
    • Toy Game
  • LIFE Marketing is a Mental Game-6 Remind yourself of the reason a 100 times a day
    • Toy Game
  • LIC
  • You all have great potential
  • LIC
  • You all have immense power
  • LIC
  • You all have unbelievable energy
  • LIC
  • You all have un imaginable courage
  • LIC
  • You all have un matched strength
  •  
  • LIC
  • If you just believe in yourself
  • LIC
  • LIC OF INDIA Presents LIC’ MARKET PLUS I(TABLE NO.191)
  • LIC
  • You can
    • Break a board
    • Walk on fire
    • Eat fire
    • Walk on broken glass pieces
    • Overcome Objections and
    • Charge professional fees
  • LIC
  • ” °p¡auV àgk àgp“ àgp“ “». 188 lief eºAyi[rºs ki[pi[<r[Sn ai[f e(ºDyi
  • You can
    • Break a board
    • Walk on fire
    • Eat fire
    • Walk on broken glass pieces
    • Overcome rebate and
    • Charge professional fees
  • Today we all will be Walking upon broken Glass pieces
  • Why do we need to walk on these broken glasses
    • The most major driving force of most our lives most of the times have been
    • FEAR
  • 555 formulae
      • 5 Appointments
      • 5 New Meetings
      • 5 Follow ups
    EVERYDAY
  • What do people fear the most
    • DEATH
  • 555 formulae
      • 5 Appointments
      • 5 New Meetings
      • 5 Follow ups
    EVERYDAY
  • 555 formulae
    • 5 Appointments
    • 5 Meetings (new)
    • 5 Follow ups
    EVERYDAY
  • DEVELOP THE HABIT OF GETTING REJECTED
  • REJECTION IS PART OF LIFE REJECTION IS PART OF LIFE REJECTION IS PART OF LIFE REJECTION IS PART OF LIFE
  • LIFE INSURANCE Sales is a Mental Game Lesson 6 Different kinds of customers
    • Play cards
  • The Sales Process Prospecting/ Qualifying Preapproach/ Planning Presentation Handling Objections Closing the Sale Approach Follow up Identifying Needs Identifying Needs
  • A Burning Desire Along With Positive Emotions And Positive Thinking, Creates the Power To Convert A Goal Into An External Reality.
  •  
  • HELP HIM TO HELP YOU
    • ANY QUESTION ???
  • Prepared BY R. Ravindra Kumar Regional Manager, LICI, LAUTOKA -Fiji- ISLANDS Hello : ISD CODE NO:( 679)l :6651923 6668023, 9992733 , Fax No: 651984 e-mail= rravindrakumar@ yahoo.com, rravindra [email_address] , rravindra [email_address] , rravindra [email_address] Thank you very much for providing me this opportunity Wish you good day!!!
  • Have a nice day!!! R. Ravindra Kumar CHIEF MANTOR Just call on 0091 9427960310 Or send TEXT ON +919726351246 · Email your response : r.ravindrakumar@licindia.com rravindrakumar@yahoo.com, rravindrakumar@rediffmail.com [email_address]