American Income Life – What Makes a Great Insurer?

Choosing the right insurance Agent is important, but just as important is choosing the right insurance company. When selecting an insurer, keep the following in mind:

  • Ratings:  Choose a company with a high ‘Financial Strength Rating’ from a reputable insurance rating agency like A.M. Best Company and/or Standard & Poor’s.
  • Products:  Consider the products you need and want now, but also consider products you may need or want in the future. As you mature, your priorities change. Find a company that can accommodate those changing needs over time.
  • Affordability:  Choose products that fit your current financial situation and lifestyle. There is nothing worse than being ‘insurance rich’ but unable to afford to pay your mortgage or car payment. Make sure you are comfortable with the company’s rates and payment options too. 
  • Claims Service:  Hopefully you may never need to file a claim, but if you do, you want prompt, efficient payment. Find out all you can about a company’s claims’ payment history before you sign on the dotted line.
  • Customer Service: Customer service separates the good companies from the great ones. Can you pay your premium online and check policy and claim status? Will the Agent be available 24/7? If he or she can’t be reached, is there another person or department you can contact? Will the Agent contact you regularly to provide information on new products and to see if your needs have changed? Will the Agent sincerely care about you and your family’s insurance needs?

There is a lot to consider when selecting a quality insurance company, but making the right decision now will save you time, money, and frustration down the road. Check out www.ailife.com to learn more!

Sources: http://insurance.lovetoknow.com/What_You_Look_for_in_an_Insurance_Company

Qualities of an American Income life Insurance Agent

What qualities should you look for in an American Income Life insurance Agent?

  1. Strong work ethic: Great insurance Agents live and breathe their industry and are constantly striving to go the ‘extra mile’ for their customers.
  2. Communication Skills:  First and foremost, great Agents listen. They understand they have to know you and your needs before they can recommend products or solutions.
  3. Availability:  Great Agents are great 24/7, not just 8 to 5, Monday through Friday. They are there when you need them.
  4. Flexibility:  They willingly adjust their schedules to accommodate your needs.
  5. Product Knowledge:  Because great Agents have outstanding product knowledge, they can quickly access your needs and make appropriate recommendations.
  6. Customer Service:  No matter what you need, they are there to help, either personally, or by directing you to the right person.
  7. Honesty:  You know without a doubt that great Agents are honest Agents. They always tell you the truth about products, American Income Life as a company, and themselves.
  8. Trustworthy:  Once you build a bond of trust with great Agents, it will never be broken. You know without a doubt your personal and financial information is safe.
  9. Follow-up:  Great Agents don’t sell to you and then abandon you for the next sale. They maintain contact on a regular basis to determine if your insurance needs have changed, provide you with information about new products, or just let you know they’re thinking of you.
  10. Passion:  This may be the most important attribute of all. Great Agents are passionate about what they do, and that passion ignites a flame that burns brightly for them and for you.

 

Sources: http://www.ehow.com/list_7351433_characteristics-insurance-agents.html; http://ezinearticles.com/?Attributes-Of-A-Good-Insurance-Agent&id=6058328; http://www.investinternals.com/2008/06/qualities-required-good-insurance.html

American Income Life Working Class Heroes

American Income Life superherosWhen you think of superheroes, who comes to mind? Superman, Batman, and Wonder Woman are all obvious answers, but there’s one problem — those heroes are fictional. They don’t exist.  Now think realistically. Firefighters, policemen, and soldiers help protect people every day. But wait — don’t insurance Agents do the same thing? Often overlooked, the job of an American Income Life Agent is both honorable and noble. Agents are living, breathing, working class heroes.

Kids idolize superheroes for their superpowers, heroic battles, and flashy costumes. Who says Agents don’t have the same qualities, but on a realistic level? American Income Life Agents have the power to sell life insurance and supplemental health insurance, both of which help provide protection to policyholders and their loved ones.  They have the power of persuasion — to use their stellar presentation skills to convince prospects of the importance of life insurance.  They also have the power to help. American Income Life Insurance Agents are there for customers during the darkest days of their lives, helping them pick up the pieces and deal with adversity.

Agents wage heroic battles against the evil What If Monster by offering customers protection against the “what if’s” in life. What if you died unexpectedly? What if you were diagnosed with cancer? What if you suffered a stroke? What if you died in an accident – would your loved ones be able to grieve, or would they struggle to financially stay afloat? Consider each one of these “what if’s” a demon that you can help American Income Life policyholders combat.

I know you’re wondering about the flashy costumes, right? Just because capes aren’t appropriate in a business professional environment doesn’t mean you’re not a hero. Now don your invisible superhero cloak, get out there, and start helping people!