Sale Insurance in Effective Way

8/3/2019 Sale Insurance in Effective Way

1/35

A Project Report on

How to Sell InsurancePolicy (life) in Effective way

Under the guidance of

Ms.Shweta Dixit

By,

Abhishek Roy Subrata Sarkar

Roll No 9 Roll No - 10

PGDIM PGDIM

NMIMS NMIMS

Page 1Sell insurance policy in effective way NMIMS


2/35

Acknowledgement

We would like to take this opportunity to thank Ms. Shweta Dexit (faculty-

NMIMS) for providing all the assistance and guidance and making the concepts

clear of customer satisfaction on insurance.

We are also thankful to my classmates for providing me an insight on how to go

about the project.

Last but not the least; we are grateful to the respondent for their support on this

project.

Abhishek & Subrata



3/35

Table of Content

Sl.NO Particulars Page No.

1. Introduction 4

2. Literature Review 7

3. Process/Methodology of my Study 12

4. Data Collection 15

5. Data Interpretation and General Conclusion 17

6. Conclusion 29

8. Annexure 32

9. Bibliography 35



4/35

1. Introduction

The strategic goal of sustaining a market share or gaining competitive advantage

depends on effective selling skills. This skill is continuous development in process.

Companies adopt different type of effective selling techniques according to

environmental change and needs. It includes the need of continuous improvement

as consumers are more informed today than in the past.

Insurance products are different from other products. It is intangible, so sales

people face a lot of difficulties for selling insurance products. Here effective

selling skills are needed to be successful. Today Insurance Industry faces a big

problem of active advisor. Company either terminates the relationship or the

advisor leave voluntarily because of insufficient income. This separation occurs in

life industry after six month (due to licentiate examination and training process).

Company and agent magnify the implication of this separation in wasted resources

in opportunity cost during the engagement period.

Advisor is front liner, who is only a person who directly contacts with customer.

Advisors do this work as a mediator between customer and company. It means the

agent is located at the place in the organization at which the company financial

security policy and plan are distributed to customers and also at the place at which

services are directly provided to the customer (Oakes 1990). Agent provides such

types of service in term of consultancy i.e. to make help in financial planning

strategies.

Insurance is relationship business. Relationship and emotion is the key of success

in selling. People purchase insurance because they love their family. It is human



5/35

tendency that people agree/purchase from such type of person who is trustworthy.

Like and trust is the key in insurance business. Due to this reason brand and price

are insignificant when client make a buying decision.

It is seem that often people do not know much more about insurance, when they

compare with other products, so here advisors role becomes very important due to

following reason: -

Advisors have had to choose particular product according to client need so

advisor should know about financial planning.

Product knowledge is of prime value for every advisor. It gives themconfidence and trustworthiness before client. Advisor should know products

merits and demerits because different client have different needs.

Insurance is long-term financial product so advisor should know about

customer relationship management. It helps him time to time fulfill specific

need and query of client.

People are less aware and interested towards insurance product, so such

types of responsibility (to increase awareness and popularity amongst people)

are fulfilled by advisor.

And lastly, all above thing are unnecessary, if advisors do not sell

insurance products. Effective selling skills help him to fulfill such type of

above goal.

This study provides an understanding of effective selling and explores, how those

skills can be integrated in the organization structure to enable successful selling.

This study began with reviewing relevant literature on effective selling skill

needed for good sales performances. We were very particular that what we had to

take. In this literature we only concentrated on which type of problem are faced

by sales person and its solution with the help of effective selling techniques in the

field of insurance. In this process seller side has been only covered.



6/35

The following procedures were adopted to complete this assignment: -

To conduct interview with insurance company executive and sales person to

know their viewTo find where was problem or identify problem/challenges faced by sales

team.

Set questionnaire according to problem.

To conduct interview/survey with the help of questionnaire

Finding.

Conclusion and suggestion

In this assignment, two type of data were used: a) Primary Data b) Secondary Data.

With the help of interview and questionnaire primary data were collected for

finding actual and realistic problems and their solutions. Secondary data were

collected from books and Internet to go in depth of topic.



7/35

2. Literature Review

In the literature review phase, we understood that which factor affect on sells

performance and advisors ability. In this process we understood, how insurance is

different from other products, why sales persons fail to sell insurance. We also

realized during this process that motivation, behavior, characteristics and training

factors affect man power and its ability, how to generate lead and convert intosales, how sales performance can be increased.

Mostly people think that seller skill is inherent, but it is not correct. It can be

achieved with the help of training and practices. When a person does more practice

and gets mastered in such skill, it seems easy and natural. Professional

salesmanship is a learned skill. Insurance sales are more complicated to general

sales. Advisor cannot show insurance product, he can only describe benefit with

the help of verbal and non-verbal language. In this process he plays with another

emotion and sentiment. If he wins in this game then he will be successful in selling

and vice-versa.

Insurance is not purchased it is sold. Here advisor face difficulty. Advisor has had

to do a lot of work for successful selling, such as to whom he is to sell (prospective

client), turn prospective client to customer. Only insurable person can take

insurance, so he has had to do segmentation and targeting type of work also.

With the help of lead generation advisor can find prospective customer. There are

several methods to lead generation such as cold calling. Cold calling can be a



8/35

successful way to lead generation. If it is done with planning: for example how to

cold call, when to cold call, and how much cold call to make everyday in order to

get appointment. Some person thinks that seminar and free diner in medium

restaurant (fish bowling method) is also good way of lead generation. In such typeof seminar, should not use full word of insurance, only use particular topic such as

annuity: how it works, use, advantage, what to help your client with their annuity

need.

Public relation is also great way to expose in market. Advisor can do it with the

help of trade show or he can make public relation with the help of promotional

activity. The real key of public relationship is to be friendly and focus on meeting,not selling product.

Many of the most difficult sales jobs are easy to obtain (i.e. selling specialty

product such as house hold, hardware, life insurance or encyclopedias). They have

also been graveyard of thousand of co-worker (Baker 1994). It means after a

minimum qualification and passing IRDA Licentiate examination, any one are

eligible to sale insurance policy. Due to this reason alteration rate is very high in

insurance industry. But now insurance companies are concentrating on other

distribution channel such as, bancassurance, Internet, NGOs, micro insurance.

Now insurance company are concentrating on training program and they recruit

eligible candidate for executive trainee or other post (i.e. PGPMI).

Selling skill can be developed such type of skill with the help of practice, practical

training and experience.

Behavior style and interpersonal effectiveness is also important in selling. People

fit into four categories. Insurance products can be sold to them in different ways.

Interpersonal effectiveness helps to understand in what way an individuals mind



9/35

works and his level of interest in a particular product /policy which may act as

guideline for the best way to approach sell for each category developed in two

ways: formal training and sales experience gained through exercising the selling

job over time. In formal training people know about product and services, whichhelp him to explain, what he has for other. Secondly formal training is base of

advisor carriers. In formal training people know, which type of skill is required for

effective selling and they approach each category in effective way.

Four style of mind working


Thinking style=

more control

behavior= live lifeaccording to fact,

logic and

consistency. One canfind reality than

personal friendship

or personal

gratification

Directing style=more telling + more

controlled behavior

with a directing

style= they knowwhat they want,

become impatient

with delay, to showlittle concern for

the feeling of other

Socialiser Style= more

telling + more

emotional behavior=tends to make decision

quickly based on their

intuition

Relater style= more

asking + moreemotional behavior +

relationship oriented

behavior= frequentlystick with the

comfortable known

and tend to avoiddecision


10/35

Life insurance products are inherently more difficult to sell compared to otherkinds of products. Agents who are deficient in these characteristics and skills are

unable to sell successfully and consequently they are forced to leave the company.

Although some of these characteristics may be developed through lifetime, the

skills could be taught and learned by sales producers.

Table 1. Unique Attributes of Successful Salespeople

Characteristics and Traits

Trustworthiness

Self-confidence

Enthusiasm

Empathy

Desire to grow and improve self

Persistency

Patience

Motivation for Sales Career

Unlimited income

Time autonomy

Recognition and power

Personal satisfaction

Selling Skills



11/35

Interpersonal skill

Communication

Organization

Profiling clients and prospectingPlanning meetings in advance

Presentation

Product and service knowledge

Information about companys products and services



12/35

3. Process/Methodology of my Study

3. a. Procedure:

The procedure followed, is enlisted below:

Studying the topicDecision on objective needed to be work on i.e. conduct interview with unit

manager and sales manager.

Developing Survey instruments

Getting questionnaire filled through interacting with different insurance company

advisor.

Finally analyzing the data of various areas and trying to study about variousinfluence factors such as behavior, which is important in sells.

3. b. Process adopted:

Gaining knowledge about the topic:

Reading about the topic was the first step undertaken. This gave not only in depth

knowledge about what is market trend in insurance but also proved useful while

developing the questionnaire.

Steps in the Development of the Survey Instruments

The main instruments required for survey was a well-developed questionnaire. Thequestionnaire development took place in a series of steps as described below:


Research objectives been transformed intoinformation objectives.

The appropriate data collection methods beendeterminedStep 2

Step 3The information required by each objective is being

ermined.

Step 1


13/35


Specific Questions/Scale Measurement format isdeveloped.

The number of information needed is beingdetermined.

Step 7

Step 9Revise the questionnaire layout if needed.

Step10

Step 4

Step 5Question/Scale Measurements been evaluated.

The Questionnaire format been finalized.

Step 8

The questionnaire and layout been evaluated.


14/35

3.c. Survey:

The survey is important tool as it helps in knowing the clear perception of people

about how to sell effectively. The effective levels of the advisor regarding the saleof insurance product been observed through survey. It was very useful in knowing

about what is effective way of selling insurance product.

Referred to sell and marketing related books and insurance websites.

3.d. Research Design:

A two stage Research been conducted:

Secondary Research:

Collection of data from websites and books to understand the market trend and

what is different between insurance and other product.

Primary Research:

A Primary Research been conducted:

The questionnaire was prepared for the companies and following areas covered:

Advisor profileSatisfaction level with the current Insurance Company on the basis of support

(upper level) and returnImportant factor such as verbal and non-verbal language

Perception of advisor and important of customer relationship management in

insurance sale

3.e. Sampling Plan:

Elements:

The target population of the study included the general population above the age of

25 yrs

Sampling design and sampling unit are as follows:

Target population: Adults meeting qualifications-over 25 years, working class, and

businessman in insurance field.

Sampling frame- urban class in the Mumbai region

Sample size: 24



15/35

Sampling unit: insurance advisor and unit manager.

Through this we would focus on the following area;

To identify critical factor (internal and external) which influence the sell of

individual,

How people sell insurance policy.

To know about mindset of advisorTo analysis of advisor perception of the quality of sell, so that to take steps for

effective sells strategy in insurance field.

4. Data Collection

4.a. Data Collection Plan:

The first of Research consisted of secondary data search from the followingsources:

Books

Websites

For the conclusive research, questionnaires been developed on basis of secondary

data and interview from insurance personal to gather information on the research

objective.

We conducted a pilot study to test these questionnaires. In this sample of 10

people picked up from the target population on convenience basis, as to determinethe limitation and deficiencies in the questionnaires.

The final draft of the questionnaire (see Appendix) was then prepared on basis of

the observations from the pilot study. These then finally filled by 24 consumers,

for the conclusive study.

4.b. Types of Primary Data collected:

1) Demographic /Socioeconomic Characteristics:

Demographic and socioeconomic characteristics sometimes called states ofbeing in that they represent the type of people. The factors on which we are

working are age, sex and occupation. Here we have taken only insurance

personnel, who are in insurance field and selling policy to other. Here income and

experience was important.

2) Attitudes/Opinions:



16/35

Through the questionnaire we have tried to get hold of individuals selling style,

verbal and non-verbal language, and motivation, which is important to sell for

insurance product. Attitude is an important notion in the marketing literature, since

generally it is previewed that the attitudes are relating to the behavior of individual.

3) Awareness/Knowledge:

They are used in marketing research refers to what respondents do or do not know

about the effective selling style.

4) Motivation:

Through questionnaire have tried to find the hidden need or want of an individual

and have tried to find out that which factor increase moral or satisfaction of

advisor.

5) Behavior:

Behavior concerns what subjects have done or are doing. Through made

questionnaire we have tried to find out the behavior of the individuals regarding

the selling style;

Which type of policy you sell to client?

How do you collect lead?

Do you keep attention on client non-verbal response during sells meeting?Do you update yourself?

Thus, it helps to draw a comparison between the selling style and the observedbehavior of the advisor.

6) Obtaining the Primary Data:

The data collection was primarily through communication. Communication

involves questioning respondents to secure the desired information, using a data

collection instrument called questionnaire. The questions were in writing and so

were the responses.

5. Data Interpretation and General Conclusion

Respondent Profile



17/35

Advisor work in the insurance industry

6

14

4

,

,

,

,

,

(

(

(

(

less than 1 year 1 to 2 year 3 to 4 year Year

No

ofAdvisio

Finding: - Advisors, who are working for different insurance company, have

participated in this survey. There were three group of such type of advisor i.e. lessthan one-year experience, 1 to 2 year experience and 3 to 4 year experience.



18/35

Respondent profile (cont)

6

2

4 4

2 2 2 2

0

1

2

3

4

5

6

no of advisor

less than 1 year 1 to 2 year 3 to 4 year

experience

Comprision between expereience and sell of policy

Rs.10000 or 2 policy Rs.30000 or 5 policy Rs.60000 or 8 policy more than Rs.60000 or 10 policy

Finding: - in this graph, it has been shown relationship between work experience

and sell of policy (per month). It is seen that, after getting work experience of

certain year, they sell a fixed amount or number of policy.

Policy sell by advisor

16%

84%

most popular sellable policy in market client need base policy



19/35

Finding: - 84% respondent votes come for client need base policy. They

feel that if you sell policy according to client need, then you can survive in market

in better way. Only 16% say that popular policy should be sell because it is human

tendency that before buying policy, people get investigation about policy from

their neighbors, friend and relative. If advisor sell him such type of policy,

customer will feel more satisfaction. But it is not good way because after sometime customer feel cheated (due to not fulfillment of need), so to provide client

need base policy is effective way of selling.



20/35

Lead generation method by advisor

25.00%

75.00%

0

0.1

0.2

0.3

0.4

0.5

0.6

0.7

0.8

cold calling relationship

method

Way to lead genaration by advisor

Finding: -75% advisors have to say that relationship is good source of lead

generation, only 25% advisor suggest that you can collect lead with the help of

cold calling. Insurance is relationship business and people buy insurance due

trustworthiness of advisor, if customer feel satisfaction then he will defiantly give

suggestion to his friend and family about the advisor. But cold calling is hard wayto generate business because 1 out of 10 lead convert into business.



21/35

2

6

2

8

2

4

0

1

2

3

4

5

6

7

8

no

ofpeopl

vary satisfied satisfied netural not satisfied

Level

Relationship between traing and satisfaction

always update sometime (update) never update

Finding: - It is find such people who do update himself, who can able to face stress

more compression then such person who dont update himself. Secondly updated

people feel more satisfaction from their business and other activity then other.

Advisor who take participate in training or other program who feel satisfied from

such person who dont take participation of such type of activity. Work satisfactiongive motivation and it give help to generate more business. With the help of such

type of activity insurance company remove alteration type of problem also.



22/35

6

2 2

4 4 4

2

0

1

2

3

4

5

6

no of people

very important important not important

Level

Effect of sales manager role on sell

Rs.10000 or 2 policy Rs.30000 or 5 policy Rs.60000 or 8 policy more than Rs.60000 or 10 polic

Finding: - insurance is intangible product and advisor feel difficult to sale

insurance product in starting phase. During that time sales manager roles are veryimportant in phenomena of motivation. It seems that most advisors leave insurance

industry within 6 month of joining and this factor plays important role behind it.

Above graph show, this factor also impact on performance, only 2 person out of

24, feel that sales manager role is not important but when we see him performance,

they are only selling Rs. 10000 or 2 policy in a month.



23/35

Important activities in sell

Important activity

4

6

14

0 2 4 6 8 10 12 14 16

speaking

listening

to give equal time onboth

No of advisor

Finding: - mostly people think that sales person mostly speak but not listen, due to

this reason they fail at many point. But this thinking is changing; now they give

attention on both (votes comes out 14 out of 24). Here 4 people are from such

categories that dont participate in training programs. They dont know that

listening is the key of selling and with the help of listing they can fulfill customer

need.

Non-verbal activity



24/35

24

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%100%

% of advisor

always

no of advisor

Attention on body language

Finding: - 100% advisors say that they properly keep attention on clients body

language, because it helps him in closing sales. According to client body language,

advisor make strategy that in which type of product customer take interest and theypresent such type of product in front of him.

Non-verbal activity (cont.)



25/35

24

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

% of advisor

energetic

response

Advisor response, when client question

Finding: - 100% advisors (24 out of 24) have to say that when customer ask

question that time they feel energetic, because customer are taking interest in the

product. Secondly it also show that advisor are active & confident in front of

customer. It do very important role in sell.

Decision taken by advisor

25%

75%

planned way according to circumstances

Finding: - This graph shows that what is important in sell flexible panning strategy

or fixed planning strategy. 75% advisors have to say that they make decision

according to circumstances or to adopt flexible planning strategy. We can not do



26/35

100% right in prediction pf human behavior and its decision, so we can not face it

with the help of fixed planning strategy.

CRM after sell

2 to 5 times

50%

regularly

50%

2 to 5 times regularly

Finding: - Insurance is long-term product so after sale service is important in it.Secondly insurance is relationship business and after some year advisor do more

business but in less time due to it. It happen because mostly business come through

existing customer and he give very less time to create new customer. This entirething is possible due to customer relationship management. In this survey 50% say

they that they meet from their customer regularly and half say 2 to 5 times in a

month.

After how many meeting sale should be closed



27/35

6

18

0

2

4

6

8

10

12

14

16

18

no of advisor

first meeting 1 to 3 meeting

Preception

Average meeting in closing sale

Finding: - 18 out of 24 means 75% advisor say that they close their sale within 1 to

3 meeting. Otherwise they feel (about after 3rd meeting), such type of sell generally

happen less probability to convert in sell. On the other hand, 25% advisors say that

if you success in first meeting then success, otherwise probability of success to

convert of sell will be very less.

Important aspect in selling



28/35

Important in selling

4

12

1

8

0

2

4

6

8

10

12

14

trust and l iking give satisfaction to

client

brand all

no

ofadviso

Finding: - advisors feel that to give satisfaction to client is most important in sale

(50% votes come). After that 1/3rd advisor feel that all three factor are important in

sell. Only 5 advisors out of 24 say that trust and liking, and brand are also

important in sell.

Conclusion

One of the skills used in Insurance Selling is the art of successfully persuading

prospects or customers to buy products or services from which they can derive

suitable benefits, thereby increasing their total satisfactions.

Insurance is not bought, its sold. To sell insurance policy is tough work and its

come into category of development selling. Agents feel tough due to following

reason

Less knowledge and training about product and company

Intangible product

Less interest from both sides (advisor and customer)Less motivation

Competition from same companys advisor

Delayed benefit to customer



29/35

Less return or people see as an investment tools

The study started with introduction and review of literature including could

contribute to a better sales performance. Salesmanship is not inherent, it is a skill,

which acquire with the help of training means it can be learned and taught. In

insurance field, salesmen require mastering in sell. The basic characteristicsidentified in the literature as common to successful salespersons are: empathy,

enthusiasm, desire to grow, persistency, patience, trustworthiness, and self-

confidence. Skills identified include interpersonal skill, communication,

organizational, product, and service knowledge. Motivation plays a critical role in

the success of a salesperson. Some of the motivating factors include financial

freedom, time autonomy, need for recognition, power, and personal satisfaction.

Lead generation is very important in Insurance because only insurance can be sold

only to insurable people. So suspecting and prospecting is very important in this

process. Three things are important in prospecting a) money (Includesaffordability and liquidity

b) Authority (Means he/she is the decision maker) and c) need (Meanshe/she is the decision maker).

Today product knowledge is necessary for advisor, but it is not very fruitful when

customers also know about product. It seems that before buying policy, customer

gather information about policy and particular insurance company. Somaster all theinsurance products and services including updates are must for advisor.

Negotiation also helps in selling insurance policy. In this process advisor keep

attention on verbal and non-verbal language of customer and try to create win-win

situation. In this situation, there is a probability to generate business in further

from the customer because in this condition customer feel satisfied and give

persuade to other also. In negotiation advisor can be used cross selling and

alternative. Active listing is important part of negotiation. In selling of insurance

policy advisor speak less and ask open-ended question from customer and try to

find whats customer financial need. From the help of successful negotiation,

advisor stands on client expectation. Once they trust advisor, then they do business

with him, and many will also refer him.

Customers really buy from advisor



30/35

The following framework explains the model of this study. The actions and

motivation have a reciprocating influence on each other. Advisor with more

positive results become successful in their career as life insurance advisor;

ineffective advisor will have a deficiency in the process and thus choose to leave

the business.

Essential attribute for successful selling in life Insurance


IdeaKnowledgeAdvisor

Skill

Action-Building Trust-Education Customer

Motivation-Entrepreneurship

Skill-Managing Selling Process

-Knowledge Management

-Effective Communication

SalesPerformance

High

Low

+

_

SuccessfulCarrier

ExitBusiness


31/35

Annexure-1

Questionnaire

Respected sir/madam,

I am Abhishek Roy. I am student of Narsee Monjee Institute of Management.

I am doing a project How to sell Insurance Policy (Life) in effective

way. Information provided by you will be kept confidential.

Regards,

Abhishek

E-Mail: ______________________________________ Age



32/35

Phone No-

Occupation: 1. Service 2. Business .3 Self employed

4.Retired

Income category: a. 2 to 3Lac /p.a. b. 3 to 5 Lac/p. a.

c. 5 to 7Lac/p. a

d. 7 to 10Lac /p.a.

e. Above 10Lac /p.a.

1. For how many years you are in insurance industry?

1.a. less than 1-year 1.b. 1 to 2 year

1.c. 3 to 4 years 1.d. 4 to 6 years1.e. above 6 years

2. How many policies you sell in a month?

2.a. Rs. 10000 premium or 2 policies in a month

2.b. Rs. 30000 premium or 5 policies in a month

2.c. Rs. 60000 premium or 8 policies in a month

2.d. Rs. 80000 premium or 10 policies in a month

2.e more than Rs. 1 lakhs & 10 policies in a month

3. Which type of policy you sell to client?

3.a. most sellable policy

3.b. Policy, which gives more commission

3.c. client need based policy

3.c. any other (if any please specify)

4. How do you collect your lead?4.a. purchase from agency 4.b. blind call

4.c. given by company 4.d. relationship

5. Do you participate in training program?

5.a. always 5.b. sometime

5.c. rarely 5.d. never



33/35

6. Are you satisfied from your business?

6.a very satisfied 6.b. satisfied

6.c. neutral 6.d. not satisfied

7. What is the role of your sells manager in your sells?

7.a very important 7.b. important

7.c. not important 7.d. nothing

8. During the time of meeting with client what do you do more?

8.a. speaking 8.b. listening

8.c. to give equal time on both. 8.d. dont know

9. When client ask question, you feel

9.a. energetic 9.b. bore9.c. irritating 9.d. over enthustic

10. Do you give attention on clients body language?

10.a. always 10.b. some time

10.c. rarely 10.c. never

11.You close your sell with in (average)

11.a. first meeting 11.b. 1 to 3 meeting

11.c. 1 to 6 meeting 11.d. more then 6 meeting

12.You take your decision,

12.a. in planned way 12.b. according to circumstances

13.After sell you meet your client within a year,

13.a. one time 13.b. 2 to 5 times

13.c. regularly 13.d. never

14.What is important in selling,

14.a. trust & liking 14.b. brand

14.c. give satisfaction to client 14.d. all

15.If you give rank for the following, what will be your ranking in

insurance selling,



34/35

1= very important, 2= important, 3= not very important, 4= not important

5= unnecessary

Listen

Body Language

RelationshipEmotion

Product knowledge

16. Please give suggestion to sell insurance in effective way.

..

Place:.

Date:. (Signature)

(Thank you for your co-operation)

Bibliography-

Books; Marketing Research G.N Bajpai, Jyoti Navare, The Marketing of Insurance, Delhi,

AbhinavPublishing Industries Pvt. Ltd, 1996

Kotler, Keller, Marketing Management., Delhi, DorlingKindersley (India) Pvt.

Ltd., 2006Sales Management & Customer Relationship Management

Class Notes (NMIMS)

Web site; www.google.com www.wikipedia.com www.marketresearch.com www.irda.org https://www.amazines.com/selling_skills_related.html

http://www.google.com/http://www.wikipedia.com/http://www.marketresearch.com/http://www.irda.org/https://www.amazines.com/selling_skills_related.htmlhttp://www.google.com/http://www.wikipedia.com/http://www.marketresearch.com/http://www.irda.org/https://www.amazines.com/selling_skills_related.html


35/35

http://www.insurancejournal.com/magazines/east/2006/08/21/features/72338.htm http://www.googobits.com/articles/p2-2632-ways-for-insurance-agents-to-sell-

insurance- without-coldcalling.html
http://www.insurancejournal.com/magazines/east/2006/08/21/features/72338.htmhttp://www.googobits.com/articles/p2-2632-ways-for-insurance-agents-to-sell-insurance-http://www.insurancejournal.com/magazines/east/2006/08/21/features/72338.htmhttp://www.googobits.com/articles/p2-2632-ways-for-insurance-agents-to-sell-insurance-

Date post:	07-Apr-2018
Category:	Documents
Upload:	abhishek-roy
View:	222 times
Download:	0 times

Sale Insurance in Effective Way

Documents