Let's Talk About Hand-Delivering Policies

[nfl72]

Confusious say,

"Average agent whom takes pride in hand delivering all of his policies"

"Also has a stack of policies in his car that should have been deliverd via mail, weeks ago."


I see nothing wrong with stopping by a clients home just to solidify the deal or ask for referrals. I do that all the time. But why not have the policy delivered via mail as quickly as possible?

 

[WinoBlues]

Confusious say,

"Average agent whom takes pride in hand delivering all of his policies"

"Also has a stack of policies in his car that should have been deliverd via mail, weeks ago."


I see nothing wrong with stopping by a clients home just to solidify the deal or ask for referrals. I do that all the time. But why not have the policy delivered via mail as quickly as possible?

I do mail some of mine. I was talking more about your market being dirt bags. For the most part mine are not. I am rarely replaced and it is common for me to have multiple policies in a home written years apart.

You may want to upgrade your market. Being a great sales and service agent you would do well anyway. What state do you work in?

 

[nfl72]

Just because an agent feels the need to hold hands of their clients after delivery, that doesn't justify the client having to wait several weeks just to receive their policy.

Why not have the Insurance company send it directly to them. You can still stop by to solidify the sale anytime you would like to. Besides doing it that way the client might think you really care as you had no need to stop by at all. They miight actualy think you did it out of the kindness of your heart.

 

[Rearden]

Bottom line -- do whatever maximizes your income.

Key word is "your" -- gotta find that out for yourself.

 

[WinoBlues]

Just because an agent feels the need to hold hands of their clients after delivery, that doesn't justify the client having to wait several weeks just to receive their policy.

Why not have the Insurance company send it directly to them. You can still stop by to solidify the sale anytime you would like to. Besides doing it that way the client might think you really care as you had no need to stop by at all. They miight actualy think you did it out of the kindness of your heart.

Having the companies do it is probably the most efficient way. but I am to anal and a control freak. Also there are pages I need copied form the file. I treat FE clients the same as regular life clients. Mostly because it is easier for me to do it all the same.

But like Dave said it is what is right for you. There is no best way.

 

[Jerard]

One has to admit that there are alot of, let's say, less than honest agents out there (none of which are members of this forum, of course). If I sell a 20 year pay with 50K AD&D I want to be able to show it in print that is exactly what they got while saying: "Mrs. Jones...I always show my clients in black and white that what I told you are getting is exactly what you got." This (hopefully) makes them think to themselves..."hey...I got me a good one, here"). This may help you when some yahoo 6 months from now tries to kick you out of the house for 2 bucks less. If they feel they can trust your word it also helps getting referrals from them. You can create that image in their minds with very little effort.

I also tell them that if anyone beats my price to make sure they're not showing you a "pay it till you die" plan whereas what I sold them was a short 20 pay. Of course, this don't work if you sell them a WL to begin with.

 

[jdeasy]

Just because an agent feels the need to hold hands of their clients after delivery, that doesn't justify the client having to wait several weeks just to receive their policy.

Why not have the Insurance company send it directly to them. You can still stop by to solidify the sale anytime you would like to. Besides doing it that way the client might think you really care as you had no need to stop by at all. They miight actualy think you did it out of the kindness of your heart.

I don 't know where you come up with some of your observations and comments. I certainly fell an need to handhold clients and my clients get their policies dlivered from me withing days of when they would get them in the mail from the company.

Nor do I deliever them oout of any kindness. I deliever them them for the good of my business. Unlike what many claim I am not in this business for the philantrophy. I am not doing this to help people. Other than to help my family that is.

What we do does help people and that is a great side benefit and I am thankful for that. Still, that is not what drives the engine.

 

[nfl72]

As far as my hand holding comment. many agents here have stated the reason to hand deliver all their policies in person is they wish to increase their persistancy. To me that is hand holding. Not that there is anything wrong with hand holding. My point was you don't need to drop off the policy yourself to hold there hand. You can stop by with or without a reason once you have sold the policy.

Over 30 plus years of sales and management experience under my belt, I do know this.

Most sucessful agents are procrastinators; they tend to put things off that are not fun to do. They are motivated by money. They don't see the immediate need to drop off a policy quickly. Now Jd you and many others on this forum probably are very good at everything you do including droping off your policies. But I am willing to bet most on this forum and others in the real world are not. I beleive that is probably why Tommy2tone made his comment about making sure agents if they do insist on hand delivering policies, they do it in a timely fashion. I beleive he has been a manager for many years and he knows exactly what is most likely to happen. Agents sit on policies all the time. The client then calls the company wanting to know where their policy is. It then creates a hassel for everyone involved.

The fact that you and many others on this forum do not, doesn't mean that it doesnt happen (a lot) in the real world. It is no different than delivering license plates when selling cars. Go to any dealership in the country and go to the top agents desk and there will be a handfull of undelivered License Plates in a pile on the floor , next to his desk. I guarrantee it!

Most of my comments on this forum are no inteneded for you top performers. You guys don't need my advice but I am a realist and many of the agents on this forum are brand new. It is real easy to just tell everyone to hand deliver all their policies because it is a good thing to do, but in the real world most agents who intend to do so have a stack in their briefcase or car or office that have been collecting dust for far too long.
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stated by JD

"Nor do I deliever them oout of any kindness. I deliever them them for the good of my business. Unlike what many claim I am not in this business for the philantrophy. I am not doing this to help people. Other than to help my family that is."


I can always tell when JD has been hitting the moonshine, the typos and doubled up words give it away.




Read more: http://www.insurance-forums.net/for...livering-policies-t47438-6.html#ixzz2E0BI56lz

 

[jdeasy]

As far as my hand holding comment. many agents here have stated the reason to hand deliver all their policies in person is they wish to increase their persistancy. To me that is hand holding. Not that there is anything wrong with hand holding. My point was you don't need to drop off the policy yourself to hold there hand. You can stop by with or without a reason once you have sold the policy.

Over 30 plus years of sales and management experience under my belt, I do know this.

Most sucessful agents are procrastinators; they tend to put things off that are not fun to do. They are motivated by money. They don't see the immediate need to drop off a policy quickly. Now Jd you and many others on this forum probably are very good at everything you do including droping off your policies. But I am willing to bet most on this forum and others in the real world are not. I beleive that is probably why Tommy2tone made his comment about making sure agents if they do insist on hand delivering policies, they do it in a timely fashion. I beleive he has been a manager for many years and he knows exactly what is most likely to happen. Agents sit on policies all the time. The client then calls the company wanting to know where their policy is. It then creates a hassel for everyone involved.

The fact that you and many others on this forum do not, doesn't mean that it doesnt happen (a lot) in the real world. It is no different than delivering license plates when selling cars. Go to any dealership in the country and go to the top agents desk and there will be a handfull of undelivered License Plates in a pile on the floor , next to his desk. I guarrantee it!

Most of my comments on this forum are no inteneded for you top performers. You guys don't need my advice but I am a realist and many of the agents on this forum are brand new. It is real easy to just tell everyone to hand deliver all their policies because it is a good thing to do, but in the real world most agents who intend to do so have a stack in their briefcase or car or office that have been collecting dust for far too long.
- - - - - - - - - - - - - - - - - -
stated by JD

"Nor do I deliever them oout of any kindness. I deliever them them for the good of my business. Unlike what many claim I am not in this business for the philantrophy. I am not doing this to help people. Other than to help my family that is."


I can always tell when JD has been hitting the moonshine, the typos and doubled up words give it away.




Read more: Let's Talk About Hand-Delivering Policies - Page 6

Haha. No moonshine. My hands are just too big for these small keyboards and I don't bother with spellcheck for the forum.

If that bothers someone then they just put me on ignore and the problem goes away.

 

[Todd King]

I think the agent should be delivering the policies most of the time. I consider it part of the sales process, but many agents have gotten more and more lazy over the years.

Just remember back when there was no such thing as a lead. The agents had to create them. Now you have agents left and right wanting to sell by phone simply because they don't want to work, or better yet, they want to work as little as possible and get it done the easiest way. Sometimes the easiest way is not the best way.