12 Favourite Sales Pitches Of A Life Insurance

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The document discusses common misleading sales pitches used by life insurance agents to sell unit-linked insurance plans (ULIPs). Some examples provided include pitching ULIPs as "mutual funds with free insurance" when there are actually mortality charges, focusing only on past high returns of equity funds without mentioning benchmarks, and claiming plans can remain active after stopping premium payments for three years when costs will still be deducted. The reality is ULIPs bundle insurance with investment and have various charges, and past returns are not indicative of future performance. Consumers are advised to understand the product, check claims against benchmarks, and only take premium holidays if truly unable to pay otherwise it may erode returns.

12 Favourite Sales Pitches Of A Life Insurance Agent ! And why you should not believe them

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1-Insurance Marketing AGENTS AND BROKERS A successful sales force is the key to success in the financial services industry. Most insurance policies sold today are sold by agents and brokers. Agents:An agent is someonewho legally represents the principal and has the authority to act on the principal’s behalf. Brokers:A broker is someone who legally represents the insured even though he or she receives a commission from the insurer. 2-TYPES OF MARKETING SYSTEMS Life Insurance Marketing Distribution systems for the sale of life insurance have changed dramatically over time. Major life insurance distribution systems: Personal selling systems Financial institution distribution systems Direct response system Other distribution systems 1-Personal Selling Systems: 2-Financial Institution Distribution Systems 3-Direct Response System 3-Property and Casualty Insurance Marketing Independent agency system Exclusive agency system Direct writer Direct response system Multiple distribution systems

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