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How to Sell Insurance On High Value Instead of Low Price

What do computers, monkeys, and my 3 year old daughter all have in common?

They can all sell insurance on price alone.

A professional insurance salesperson (like you) must be able to connect with prospects and help them understand and internalize the value of the insurance you’re selling.

If you only sell insurance on price, you will eventually be replaced because:

There will always be another company with lower rates.
When people buy from you just to save money, they’ll leave just as fast.
A call center employee can quote more people faster and cheaper than you.
A website can give millions of quotes per second even faster and cheaper.
I’m not an idiot. I know that price is the primary driver of insurance sales. But I also know that selling on price alone will be the downfall of you, your agency, and the entire agency sale model.

Here’s 14 tips you can implement today to sell insurance on value.  Not one of these tips takes more than a little conscious effort.

1) Talk About Claims
Whe…

When your health care plan fails

What happens if the health plan you signed up for on your state exchange fails?
It's not a crazy question.
More than three-quarters of the 23 co-op plans created under the Affordable Care Act went out of business.
If your health plan fails, you can look for a new plan, either through an exchange (See “Checklist for buying a policy on a health insurance exchange.”) or on the open market (See “How to buy an individual health plan.”
Ordinarily, you can only enroll in a new health plan during the individual health insurance open enrollment period, which runs Nov. 1 to Dec. 15 in most states. However, you likely qualify for a special enrollment period if your health plan fails. That period allows you time to sign up for another plan outside of open enrollment.

You no longer must have insurance
You don't have to enroll in health insurance anymore. The days of being fined at tax time for not having health insurance is over.
However, it's still a good idea to get health insurance.

Single Review: DROVES @LAZY BONES

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Wollongong new/dark wave five piece DROVES started out a couple of years ago as GIVERNY – a solo project by singer-songwriter & multi instrumentalist Phillip Spiteri. Dark electronic beats and haunting guitar reverb were his stock in trade,  and after a few singles (and many shows later) they morphed into a full live band. At the recent Yours and Owls festival in Wollongong they officially debuted as DROVES and last Friday launched their new single ‘Time‘ at Lazybones in Sydney.
Arriving at Lazybones on a balmy Friday night I navigated the labyrinthian staircases and corridors to find the main band room. The first level opened up onto a smaller stage with alcoves of people huddled around tables awaiting the evening’s entertainment whilst jazz piped softly in the background. After ordering a drink from the bar, I surveyed the room for familiar faces and thought I had the wrong venue. Delving back into another set of corridors (and another staircase) I opened the door to a larger roo…

Live Review: KING PRINCESS @ The Forum Theatre

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On Friday Mikaela Straus aka King Princess, played her first Melbourne show, of her first EVER headline tour, and at the Forum Theatre no less! Playing to a room of approximately 1,500 people on a first trip to a country is a nothing short of amazing! King Princess who is signed to Mark Ronson’s label Zelig Records. The 19 year old has become an icon in the LGBQT community, with her anthemic same sex love tracks. Opening the show with the art house track ‘Make My Bed‘. The song sets up the rest of the show. While its not the type of track you can sing along to, it opens her EP so its fitting the singer too opens her live show with the same track. The singer then sang two songs unknown to me, whether they were new or extremely old was unclear. If they are unreleased tracks for a future album I will say we’re in for a treat when that full-length album finally drops! Speaking of albums, there were a few crowd members attempting to ‘heckle’ King Princess at one point during the show. Asking…

NOURI “Where Do We Go From Here” Single Review

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New Zealand’s latest music export Nouri is set to attract a whole lot of attention with her debut release Where Do We Go From Here. And not only is Nouri’s husky vocal tones and Middle Eastern-inspired jams set to be a talking point but Nouri’s story-and quite a story it is—is also going to be of massive interest. Kurdish born and having survived a Syrian refugee camp her transition to pop star can only be described as miraculous. However, her first foray into releasing music reflects not on those big scale social themes but instead focuses on the personal, the communication divide between a struggling couple and their story. No doubt Nouri will have plenty of time and opportunity to delve deeper into her own backstory when the time comes, as Nouri is not only a gifted vocalist but an exceptional songwriter also. For now, this pop gem is the perfect introduction. It’s driven by a clean electric guitar and a subtle house beat, with Nouri’s expressive vocal floating over the top. The so…

Album Review: Amy Shark – Love Monster

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Amy Shark sounds like you would anticipate that her will on hotly anticipated presentation
Following quite a while of endeavoring to compel a break in the music business, Amy Shark at long last discovered achievement in 2016. The single 'Venerate' ended up one of the greatest tracks of the year in her nation of origin Australia and her presentation EP Night Thinker proceeded with the publicity around the outside the box pop artist musician. She left on a global visit, did some TV appearances in the US and came back to the studio to put completing addresses her hotly anticipated introduction LP Love Monster, which at long last observes the light of day now!
In spite of the fact that 'Revere' obviously couldn't be left confidentially, she legitimately commenced the battle in April this year with the lead single 'I Said Hi', an infectious center finger to every one of the men in the business that did not give her a shot before she at long last discovered achieve…

Album Review: Years & Years – Palo Santo

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Years and Years greater, bolder and more certain on sophomore collection
Years and Years shot to acclaim toward the finish of 2014 when they were declared as one of the following enormous things in the pop world. They satisfied the guarantee with number 1 hit 'Lord' and introduction collection Communion which beat the diagrams. The British three piece vanished for some time to take a shot at new material and returned not long ago with single 'Bless', a beating pop tune in which front man Olly Alexander opens up around an issue with a straight man, while diverting Britney Spears in 'I'm A Slave 4 U'. The business execution was marginally disillusioning, however don't compose Years and Years off at this time. Second single 'In case You're Over Me' ended up being all the more radiofriendly is as yet climbing the UK graphs, being near best 5 at the season of composing. Olly, Emre and Mikey currently discharged the full collection, titled Palo San…