Why Business Often Considered Insurance Fraud?
Why Business Often Considered Insurance Fraud? - Insurance agent profession is a profession that can be useful for many people because it helps people to be aware of the need for insurance. However, today many misconceptions about insurance which is mainly caused by lack of knowledge of agents in selling insurance products and only pursue profits / bonuses, and many misleading insurance sales jargon that makes any difference in meaning between the agent and the client.
For example, in cases where the customer claims are not paid. Many of the customers who considers pain / any related disaster will be covered by insurance. Unfortunately many in the insurance policy points exceptions that are not explained and insurance agents are not read by the customer.
As a result, when customers experience a loss and do not get paid, customers think of insurance fraud. In this case it could be wrong because the customer did not read the policy, but agents should be instrumental bridge the insurance company and the customer to minimize such cases by way of explaining it properly, not simply looking for the origin of sales and commissions alone.
The second example, an agent who just chasing bonuses and profit alone that sell products that are not required by customers. The most common is the case of life insurance. Not everyone needs life insurance.
Life insurance is only required by those who became the backbone of the family / have other people who depend on their lives. A child who is still small and still cared for her parents do not need life insurance, because if the child dies, the parents will experience emotional and psychological damages, and economic loss that does not require the insurance money from the death of the child.
Cases like this one resulted in the sale of insurance products so that customers have to spend money needlessly. The responsibility of an agent is selling a product that fits the needs of customers, not sell a product with the highest commission.
The third example, the insurance jargon that much harm customers one of which is : the money back. Many agents use this as a " weapon " to get customers. Though there are a lot of terms, conditions, and provisions so that customers can get " cash back " ( premium ) is not scorched.
Disagreement between the agent and the client regarding this also causes often considered insurance fraud. In fact, if the agent explained in detail and as clearly as possible so that customers understand, it can be minimized.
As an insurance agent you need to continue to hone your knowledge not only about insurance but also your overall financial plan, so that you know what is required by the customer. Sometimes sciences such as these are not found in the training at the company, you have to be proactive and active learning outside the company for a given solution to the customer is the right solution.
Today there are many institutions and training places are trying to teach the science of the Financial Planner. There are nice but many are Abal - abalan or just give spurious science. Be careful in choosing the institution and faculty. Just learn from the world recognized institution with faculty who are experienced not only in theory but also practice as a Financial Planner.
One of the best is called IARFC institutions - Indonesia ( www.IARFCIndonesia.com ) International standard that not only teachers but also have experienced directly as a Financial Planner so that not only taught theory.
Congratulations insurance business properly.
For example, in cases where the customer claims are not paid. Many of the customers who considers pain / any related disaster will be covered by insurance. Unfortunately many in the insurance policy points exceptions that are not explained and insurance agents are not read by the customer.
As a result, when customers experience a loss and do not get paid, customers think of insurance fraud. In this case it could be wrong because the customer did not read the policy, but agents should be instrumental bridge the insurance company and the customer to minimize such cases by way of explaining it properly, not simply looking for the origin of sales and commissions alone.
The second example, an agent who just chasing bonuses and profit alone that sell products that are not required by customers. The most common is the case of life insurance. Not everyone needs life insurance.
Life insurance is only required by those who became the backbone of the family / have other people who depend on their lives. A child who is still small and still cared for her parents do not need life insurance, because if the child dies, the parents will experience emotional and psychological damages, and economic loss that does not require the insurance money from the death of the child.
Cases like this one resulted in the sale of insurance products so that customers have to spend money needlessly. The responsibility of an agent is selling a product that fits the needs of customers, not sell a product with the highest commission.
The third example, the insurance jargon that much harm customers one of which is : the money back. Many agents use this as a " weapon " to get customers. Though there are a lot of terms, conditions, and provisions so that customers can get " cash back " ( premium ) is not scorched.
Disagreement between the agent and the client regarding this also causes often considered insurance fraud. In fact, if the agent explained in detail and as clearly as possible so that customers understand, it can be minimized.
As an insurance agent you need to continue to hone your knowledge not only about insurance but also your overall financial plan, so that you know what is required by the customer. Sometimes sciences such as these are not found in the training at the company, you have to be proactive and active learning outside the company for a given solution to the customer is the right solution.
Today there are many institutions and training places are trying to teach the science of the Financial Planner. There are nice but many are Abal - abalan or just give spurious science. Be careful in choosing the institution and faculty. Just learn from the world recognized institution with faculty who are experienced not only in theory but also practice as a Financial Planner.
One of the best is called IARFC institutions - Indonesia ( www.IARFCIndonesia.com ) International standard that not only teachers but also have experienced directly as a Financial Planner so that not only taught theory.
Congratulations insurance business properly.
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Insurance
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