Automobile Insurance Adalah

) Expect to Live In the Trenches

Selling insurance is hard, hard work.Insurance agents you see with big houses and nice cars playing golf around the world didn’t get there overnight.They sold and sold and sold.And sold more.It’s the only way to become super successful in this business and if you want to be successful you’re going to have to do it too.

Type of life insurance policy

Whole life insurance, or whole of life assurance (in the Commonwealth of Nations), sometimes called "straight life" or "ordinary life", is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date.[1] As a life insurance policy it represents a contract between the insured and insurer that as long as the contract terms are met, the insurer will pay the death benefit of the policy to the policy's beneficiaries when the insured dies.

Because whole life policies are guaranteed to remain in force as long as the required premiums are paid, the premiums are typically much higher than those of term life insurance where the premium is fixed only for a limited term. Whole life premiums are fixed, based on the age of issue, and usually do not increase with age. The insured party normally pays premiums until death, except for limited pay policies which may be paid up in 10 years, 20 years, or at age 65. Whole life insurance belongs to the cash value category of life insurance, which also includes universal life, variable life, and endowment policies.

The death benefit of a whole life policy is normally the stated face amount. However, if the policy is "participating", the death benefit will be increased by any accumulated dividend values and/or decreased by any outstanding policy loans (see example below). Certain riders, such as Accidental Death benefit may exist, which would potentially increase the benefit.

In contrast, universal life policies (a flexible premium whole life substitute) may be structured to pay cash values in addition to the face amount, but usually do not guarantee lifetime coverage in such cases.

A whole life policy is said to "mature" at death or the maturity age of 100, whichever comes first.[2] To be more exact the maturity date will be the "policy anniversary nearest age 100". The policy becomes a "matured endowment" when the insured person lives past the stated maturity age. In that event the policy owner receives the face amount in cash. With many modern whole life policies, issued since 2009, maturity ages have been increased to 120. Increased maturity ages have the advantage of preserving the tax-free nature of the death benefit. In contrast, a matured endowment may have substantial tax obligations.

The entire death benefit of a whole life policy is free of income tax, except in unusual cases.[3] This includes any internal gains in cash values. The same is true of group life, term life, and accidental death policies.

However, when a policy is cashed out before death, the treatment varies. With cash surrenders, any gain over total premiums paid will be taxable as ordinary income. The same is true in the case of a matured endowment.[4] This is why most people choose to take cash values out as a "loan" against the death benefit rather than a "surrender." Any money taken as a loan is free from income tax as long as the policy remains in force. For participating whole life policies, the interest charged by the insurance company for the loan is often less than the dividend each year, especially after 10–15 years, so the policy owner can pay off the loan using dividends. If the policy is surrendered or canceled before death, any loans received above the cumulative value of premiums paid will be subject to tax as growth on investment.

Although life insurance benefits are generally free of income tax, the same is not true of estate tax. In the US, life insurance will be considered part of a person's taxable estate to the extent he possesses "incidents of ownership."[5] Estate planners often use special irrevocable trusts to shield life insurance from estate taxes.

) Follow the Markets

If want to relate to a more mature and professional audience, follow the stock market.You don’t have to be an expert, just know enough to ask questions that don’t make you sound stupid.After you’ve qualified someone by asking if they follow the market, ask something like, “What sectors do you think are going to do the best in the next quarter?”And don’t turn into one of those Cramer wannabees who think they always know the sleeper stock. It’ll make you look inexperienced to someone who has followed the market for years.

) Don’t Sell on Price

I get it… people are shopping on price, they’re comparing on price, and they’re buying on price.You buy everything on price too, right?Wrong.Here’s the bottom line:If you honestly believe people only buy on price then quit today. You’re in the wrong business and the industry doesn’t need you.We’re not going to survive with a bunch of price-checkers. The entire industry will suffer if you don’t get out now.Need some ideas for selling value?  Read this.

) Avoid Using “Young” Slang

Have you ever told a client or prospect that you were “all about” customer service?​Do you express agreement by saying things like, “Gotcha”, “Right on” or “For Sure”?Don’t get me wrong, I believe in being yourself and not apologizing for it, but when you’re trying to sell, the more you speak like your prospect the better success you’ll have.If your prospect doesn’t use those terms it’s harder to earn their trust when you do.

Follow these 21 tips to be an inexperienced but insanely successful insurance salesperson:​1) Dress More Professionally

Obviously, if you dress more professionally clients are more likely to take you seriously. I don’t need to convince you of that.But when you’re the sharpest dressed person in the office your coworkers and your boss will take you more seriously and most importantly, you’ll take yourself more seriously!Sometimes confidence comes from the outside in. If you look the part everyone, including yourself, will start to believe it.

) Recognize and Act on Buying Signals

I’ve witnessed a lot of new salespeople shoot themselves in the foot because they didn’t know when to shut up.When someone is ready to buy, let them do it.If it’s that important to explain everything then go ahead and do it… after you get their signature and a check!

) Embrace Your Youth

Be crazy. Be reckless. Be passionate. Be young!No one ever had a mid-life crisis and became an insurance salesman. Don’t be afraid to breathe some life into this business!Smile. Laugh. Be fun.Who would you rather spend an hour talking about insurance with?

- PT. Suzuki Indomobil Motor (SIM) melakukan terobosan dengan mengeluarkan oli resmi untuk kendaraan roda empat (R4) yaitu Suzuki Genuine Oil (SGO) Automobile. Oli yang direkomendasikan Suzuki Motor Corporation (SMC) ini memiliki spesifikasi yang sesuai mesin-mesin kendaraan Suzuki untuk kondisi Indonesia.

"Oli ini bisa digunakan untuk mobil-mobil Suzuki seperti Swift, X-Over, X-Road, Neo Baleno, Grand Vitara 2.4, APV Arena, Karimun Estilo dan Carry Real Van Injection," kata Wibisono dari Department Head of Spare Parts anda Accessories SIM.

SGO Automobile memiliki multi grade 5W-30 dengan standar API Service SL. Pelumas ini memiliki keistimewaan yang dikhususkan melumasi bagian mesin bensin Suzuki keluaran terkini dengan multi - valve (SOHC, DOHC, DOHC with VVT). Hal ini didasarkan kepada produsen pembuat kendaraan atau bisa dikenal OEM (Original Equipment Manufacture).

SGO Automobile mempunyai spesifikasi SAE 5W-30 API SL dengan formula Synthetic, artinya mempunyai rentang ketahanan terhadap suhu yang lebih panjang sehingga memiliki viskositas yang sangat tinggi untuk perlindungan sempurna terhadap oksidasi dan korosi.

Pelumas ini diformulasikan khusus dari bahan dasar base oil istimewa yaitu Group III plus. Dari hasil testing dan uji laboratorium SGO Automobile masih dapat mengalir hingga suhu -30° C pelumas tidak mengental dan pada suhu panas pelumas tidak encer.

Jika ditinjau dari kestabilan kekentalan tentunya lebih unggul dengan nilai VI (Viscosity Index) >160, sehingga memberikan perlindungan extra terhadap perubahan suhu yang ekstrim dan penguapannya pun rendah. Teknologi additifnya dengan Molybdenum terbukti lebih tahan terhadap gesekan dibanding oli biasa. Pelumas ini diformulasikan khusus untuk mendapatkan perfoma mesin dalam jangka waktu yang lama, kerja mesin lebih efisien, dan konsumsi BBM lebih hemat.

Suzuki menggunakan SGO Automobile ini sebagai oli resmi yang wajib dipakai di jaringan resmi Suzuki per bulan Agustus lalu. Suzuki menyedikan botol 1 liter, galon 4 liter, dan drum 208 liter. Harga retail Rp. 55.000 & untuk SUPEL di berikan discount 20%.

) Listen to Your Phone Voice

​Record your voice on the phone while talking to some clients.Do you sound smart?Do you sound confident?Do you sound like a little kid who picked up the phone in Daddy’s office?

) Don’t Spew Features

When you’re new to selling it’s common to focus on product features rather than benefits.At some point you learned all 10 features of a product and you’re anxious to prove your knowledge by telling customers about all 10 of them.Unfortunately they don’t care about all of them.There’s maybe one or two features that interest them and  you’re better off asking questions to identify the client’s needs so you can explain how your products will satisfy those needs than trying to explain everything.Don’t spew features on your clients; identify their needs and satisfy them.

Nothing says “bad salesperson” more than using jargon to someone that doesn’t understand it.There is no better way to show prospects you don’t give a %&#! about them than by using terminology no one outside your industry should know!When you’re new, you have a unique advantage of being able to relate to clients as an outsider. People will actually relate better to you if they feel like you’re still on their side. You haven’t crossed over to the “insurance salesman” side.Don’t use jargon, it only makes you look like you’re hiding something.