SURVEY AUTO HEALTH AND LIFE

Auto, Life & Health Insurance – Lead Generation

Rebuttals

What company are you with?

“National Insurance Verifiers”

Where is your company located?

“501 5^th AVE New York, NY 10017”

Tel: 866 900 3402

How did you get my phone #/information?

“From the National Insurance Verifiers Database, Everyone who has ever had insurance is listed in this database and the reason why we are calling you is just to provide you free quotations from Major companies like Allstate, Farmers and Geico just to name a few so you can make a side by side comparison. These are no cost and no obligation to you”.

I’m happy with my current insurance company!

”I understand but I am not asking you to change your insurance company at the moment. Just agree to be quoted and receive free quotations which you can use to compare with your existing insurance policy and if you see savings contact us. It will be a pleasure to help you in saving money.

I’m not interested

“Oh Mr. Customer I’m not selling anything here, this is a PUBLIC SERVICE we are conducting in your area right now. I’m only here to provide you free quotations for your car, health and life insurance so you can maximize your savings up to $500 every year at NO COST AND NO OBLIGATION on your part.

The informations will be coming from Major companies like ALLSTATE, FARMERS AND GEICO to name a few and we will simply send these to your email address so you can take a look at them and do an APPLE TO APPLE COMPARISON and SEE FOR YOURSELF HOW MUCH MONEY YOU CAN SAVE END OF THE YEAR.”

You cannot beat the rate I have right now:

“Well, you will never know Mr. Customer because these companies I’m telling you they will DEFINITELY BEAT the rate that you have right now so THEY CAN WIN YOU simple as that. It’s good to know we have all these companies for us to have a better option in all our insurance. What we would want you to do is get a calculator and together with your spouse (if they are married) and do a side by side comparison, DO THE MATH and SEE FOR YOURSELF HOW MUCH MONEY YOU CAN SAVE END OF THE YEAR simple as that and you take it from there.”

Why do you need to know all these information?

“All of these details Mr. Customer will factor into getting you an accurate and lowest rate for your insurance (Auto, health and life insurance) and in fact all these questions came from those Major companies so THEY CAN BETTER ASSIST YOU in LOWERING DOWN your insurance costs.”

I don’t want to give out my email address

“I understand that Mr. Customer but to make it convenient to you and to avoid the hassle we’re just going to send these free quotes directly to your email address and see these information in your most convenient time.”

Auto, Life & Health Insurance – Lead Generation

Definitions

AUTO

State minimum/Liability coverage

Is one of the most popular because it costs much less than many other options. The reason for this is because full coverage insurance must pay for both your vehicle and any other vehicle involved in a collision, as well as property damage and medical expenses due to injuries to you or another party. On the other hand, liability insurance is only responsible for the other party's losses. Your person and your property are unprotected, but liability insurance protects you from being held responsible for the other party's damages.

Note: If customer has a 5 year-old or more than and not too expensive car, they usually choose Liability Coverage

Standard coverage

Is the basic amount of insurance coverage that is required by law in order for an individual to legally operate a motorized vehicle? You can simply it even further with the blanket statement as being the mandatory amount of auto insurance coverage a driver must possess.

Better Coverage

"Better" would be a liability limit that is higher than the State minimum. That would be "Better" than the lowest. At each increment, the limit would be "better" until you got to the highest limit available, at which point, it would become the "best".

Maximum/Full coverage

In simple words, full auto insurance coverage is defined as a policy which covers first party or third party injury to the body or damage to the automobile. Generally, it covers physical damage to the automobile if it has been leased at the time of the accident, death or physical injury to the body of the people involved in the accident, and also property damages caused by the insured person's car to someone’s property.

Note: Most of the States in the U.S. are offering Liability/State Minimum and Full Coverage/Maximum. State Minimum is more commonly known as Liability and Maximum as Full Coverage

Mileage

Total length, extent, or distance measured or expressed in miles

Security System

Lojack

Is an aftermarket vehicle tracking system that allows vehicles to be tracked by police, with the aim of recovering them in case of theft?

Alarm

Is an electronic annoyance device installed in a vehicle in an attempt to discourage theft of the vehicle itself, its contents, or both?

Passive Disabling

If you close the door, and the alarm arms itself, this is a "passive" system.

Active Disabling

If you need to arm / disarm with the remote only, this is Active arming. If the alarm is armed, you set it off, and you can not start it with the key, it has starter disable with the alarm. If not, you don't.

Salvaged car

A salvage title is something that is issued by a state when a vehicle is severely damaged and the costs of repair can exceed the vehicle's value. Usually, this happens when an insurance company has deemed a vehicle covered by a policy a "total loss." When these vehicles are salvaged, or repaired, the state issues a salvage title. Even cars that have been in floods or stolen can fall under the salvage title distinction.

Note: Another way to ask this question, ‘ has your car been wrecked and undergone a major repair’?

Deductibles

Is the amount of money you agree to pay out of your pocket. This money must be paid before your insurance carrier will pay your claim. Let's say you are involved in an accident that causes $5,000 worth of damage to your car. Now, let's say your chosen insurance deductible is $500. You will pay $500 toward the damage repair expense and your insurance company will pay the remaining $4500

*Comprehensive Deductible- Comprehensive covers damage caused to your vehicle by anything other than another vehicle. This might include damage caused to your car through hitting a deer. It will also cover damage causes by vandalism or acts of nature, such as hail or wind damage. Comprehensive insurance also covers the theft of your car.

*Collision Deductible- covers damage caused to your vehicle due to a collision with another car while on the road. Both of these types of coverage carry their own deductible.

Note: There are no Deductibles for Liability, just go to the next question. Do not ask ‘what’ is your deductible rather ‘how much’ is your deductible?

Credit Score/Rating

Estimates the credit worthiness of an individual, corporation, or even a country. It is an evaluation made by credit bureaus of a borrower’s overall credit history. A credit rating is also known as an evaluation of a potential borrower's ability to repay debt, prepared by a credit bureau at the request of the lender (Black's Law Dictionary). Credit ratings are calculated from financial history and current assets and liabilities. Typically, a credit rating tells a lender or investor the probability of the subject being able to pay back a loan. However, in recent years, credit ratings have also been used to adjust insurance premiums, determine employment eligibility, and establish the amount of a utility or leasing deposit.

Note: Never ask for a ‘Credit Card’ Score/Rating, there’s no such thing. This pertains to a person’s credit standing.

SR-22

SR-22 form is a proof of insurance document that allows drivers with suspended or revoked driver's licenses to reinstate their license and get back on the road. Not required in all 50 states, SR-22 forms are provided by auto insurance companies that insure high-risk drivers.

Note: If customer doesn’t understand still after explaining what SR-22 is, try to ask them if their license has ever been suspended or revoked, if none then the answer would be ‘No’ for SR-22 question.

LIFE INSURANCE COVERAGE

Term

Term life is exactly what it sounds like. You purchase life insurance for a specific term, or set amount of time. You pay premiums for the entire length of the term and once the term is up, your death benefit is gone. Term life does not have a cash value component so your entire premium is simply used to keep the policy active. Once the term is up, you stop paying premiums and the policy expires. This is what makes term life one of the most inexpensive life insurance policies.

Universal

Universal life insurance builds on term life and adds a cash component. Here, instead of just selecting a specific term and putting 100% of your premium towards the policy, part of your premium will actually go into a cash account in the policy. This cash account earns interest and accumulates tax-deferred.

Whole

As the name implies, whole life is meant to insure someone for their whole life. Like universal life, whole life has a cash-value component. In most cases, in a whole life policy the premium and death benefit are fixed.

Note: If customer will choose Whole life there’s no need for you to ask the ‘coverage term desired’ obviously it’s going to be a lifetime coverage.

Life Insurance Rate Class

Preferred-Plus-

The criteria to qualify for the 'preferred-plus' life insurance rate requires that you cannot use tobacco in any form, have no history of drug or alcohol abuse, and you cannot engage in any hazardous activities. According to actuarial tables, these are the people who are likely to live the longest, and therefore qualify for the lowest available premiums.

Preferred

Most insurance companies require that you are in excellent health, and do not participate in hazardous activities in order to qualify for preferred life policy rates.

Standard

People who have minor health problems like cholesterol or someone who is moderately overweight will most likely qualify for these rates.

Note: You don’t need to ask for their Life Insurance Rate Class, just classify the customer based on the information you gathered from them.

SURVEY AUTO HEALTH AND LIFE

Tuesday, May 24, 2011

CONTACT INFORMATION

Friday, May 13, 2011

Health, Auto & life Insurance Survey

Auto, Life & Health Insurance – Lead Generation

SURVEY AUTO HEALTH AND LIFE