LIFE
DARREN
SINGLE, NURSE & LIVES IN TORONTO
WHAT DOES YOUR TRANSITION STATEMENT SOUND LIKE?
Darren, I know your job is not easy by any means, if you got hurt at work or outside of work. what do you have to protect yourself and income?
I recommend you speak to my colleague and see what options are available to you.
client calling in to add a vehicle for their wife. Is there an opportunity for a sale?
I can definitely go ahead and make that change for you. Will you like this vehicle to have a separate payment plan? it can come out on the same day/same account it will just have a separate bill so you are able to clearly see how much is for this vehicle versus X vehicle.
“I already have it through work..”
what does your objection handling sound like?
Approach 1:
“It’s great that you have some coverage through work (clients name), but with the uncertain times, what if you didn’t work there one day? (pause for response) It’s best to have a personal policy in place that will follow you to any job or employer and then let any additional coverage you get at work be just that”
Approach 2:
“That’s great that your work provides you with some coverage! Most coverage from our employers only cover about 40-60% of our income and only for a set amount of months. If you needed coverage beyond that time, what is your plan?”
Which band member famously left One Direction?
Zayn Malik
Michelle
Married, 2 kids and works in retail
Michelle, I know your husband and you have both worked hard to provide a lifestyle for your family. what do you have in place to protect your income and family?
I recommend you speak to my colleague and see what options are available to you.
WHAT DOES A VALUE PROP SOUND LIKE?
I CAN CERTAINLY ASSIST YOU WITH (THE REQUEST) I WILL ALSO BE ASKING YOU A FEW ADDITIONAL QUESTIONS TO ENSURE THERE ARE NO GAPS IN COVERAGES AND YOU ARE GETTING ALL POTENTIAL SAVINGS
Provides coverages of up to $25,000 to replace or repair the following underground service lines under your property in the
event they accidentally break, leak, tear, rupture, or collapse:
Sewer/Septic Line
Water main
Electrical
Telecommunications
Geothermal Plumbing (Ground Loop Piping)
COST: ($40 annually or $3.33/month
Service Line Endorsement
“I don’t have time..”
what does your objection handling sound like?
Approach 1: (make the time for the client)
“(Clients name), instead of waiting for me to send out your documents and put together your change package, let’s invest this time to get you some numbers and see what kind of protection we have for you/your family”
Approach 2:
“I understand, we’ve spent (# of mins) making sure that your (home/car or both) are protected. Don’t you think its important to invest some time in how you can protect yourself and your family?
What's the full title of this song by Travis Scott featuring Drake: "____ Mode"?
Sicko
Amy
Single, purchased a house and works at the bank
Amy congratulations on purchasing your brand new home again, that is a huge accomplishment. What do you in place to protect yourself and income?
I recommend you speak to my colleague and see what options are available to you.
LIST 3 RAPPORT BUILDING (PERSONAL) QUESTIONS AND 3 PRODUCT BASED QUESTIONS
Personal:
what are your plans for this weekend?
how are you enjoying the summer?
how do you like working from home?
Product based:
what type of coverages are looking to get today?
what made you choose this vehicle?
why did you choose this neighborhood?
Do your own or rent? what protection do you have your belongings (if doing an auto transaction)
name 5 additional endorsements that you can offer a client who is purchasing a home. (not including overland and sewer backup)
Identity Theft
Cyber Endorsement
Claim Prevent Endorsement
Home Repair Bundle
Disappearing Deductible
Personal Property in Storage
Earthquake Coverage
“I can’t afford it..”
what does your objection handling sound like it?
Approach 1:
“Our coverages are always changing, I'm confident we can work within your budget and customize a plan for you. Some coverage is always better than no coverage at all.”
Approach 2:
“I understand where you’re coming from, an additional investment doesn’t always fit our budgets. I want to make sure you take a look at your options because the financial stress you’d face if you suddenly lost 50% of your paycheck isn’t worth it.”
What is the stage name for the artist whose real name is Peter Gene Hernandez?
Bruno Mars
Janelle, 23
graduated university and working at rogers full time as a technician. Live at home.
Janelle, congratulations on graduating. I know it must feel nice to close that chapter. As you have started at a new company, what do you have in place to protect yourself and income if you were to get hurt and could not go back to work immediately?
I recommend you speak to my colleague and see what options are available to you.
what are the foundational coverages for auto?
2MILL LIAB
Physical Damage
20
27
39 ARW
43
OAB (ON ONLY)
What does the worry free bundle include?
what is the eligibility ?
1. Personal Property Claim Protector and the
Disappearing Deductible
Eligibility:
Homeowner, Condominium and Tenant, principal residence locations only
A risk is eligible for the Worry Free Bundle provided there are no claims on the risk in the past five (5) years
Available when the deductible is $500 or $1,000
“I have mortgage insurance..”
what does your objection handling sounds like
“I’m glad to hear you’ve got protection for your mortgage. If something were to happen to you, mortgage insurance would only cover the balance of the mortgage while life insurance could cover the mortgage, final expenses, or any other financial obligations like bills and leaving funds to help your loved ones live comfortably.”
How many consecutive weeks did Rihanna’s song “Umbrella” stay at No.1 on the Billboard Hot 100 chart?
7 weeks
Jenny, 45
called in to delete a veh and driver
her son has his own policy now
discovery: she has 3 kids (2 are out of the house)
Jenny, we went ahead and deleted the vehicle and your daughter off the policy. I know it must be exiting watching your kids grow up and become independent. you get to spend a little bit more time for yourself. Jenny what do you have in place to protect yourself and family if you got hurt and couldn't work? I know you've worked hard to create a lifestyle and I want to ensure that you are protected all around. I recommend you get speak to my colleague and see what options are available to you.
1. driving to the bus stop once a week - is this pleasure use or commuting?
2. can you add winter tire discount, if client does not have them with them right now but will be getting them
1. A vehicle is qualified as being used to commute when a listed driver (primary, secondary, or occasional) uses the automobile to get to their place of work or school.
2. The Winter Tire Discount (WTD) can be applied on utmost good faith, based on a client’s intention to have winter tires installed between the months of December and March.
This means if a client has acquired a new or used vehicle and currently do not own winter tires, you can apply the discount if the client confirms their intent to purchase them.
what are 4 extended coverages included in home policy (also referred to extensions of coverages)
Fire Department Charges
Property of parents/ dependents in a long term care facility
Safety Deposit Box
Students away at school
“I have savings.."
what does your objection handling sound like?
Approach 1:
“I think it’s great that you have some savings, not many people have enough on the side to potentially cover months of not earning a full income, but you don’t really want to use your savings for something like this, do you? That should be kept for (whatever you found out in discovery they are saving for) House? Vacation? Cottage? Dream car? Wedding? Education for children? Comfortable retirement? Etc..
Which country music star sings "When It Rains It Pours"?
Luke Combs