Professional Mass Marketing International, Inc. Newsletter
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Free Website
Guaranteed Issue Health Insurance
Short Term Medical Tip
Simplified Issue CI
30% Avalon Commissions
Niche within a Niche
Individual Dental
Travel Medical
Are you still relevant?
Emerging Market
HPA Bulletin
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Online insurance agencies are dominating the health insurance business.
 
If you can't beat them, Join them! 
 
We'll make it easy and FREE.
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Guaranteed Issue
Health Insurance 
  • Free Website
  • No Medical questions
  • strong benefits schedule
  • access to leading PPO network
  • affordable premiums
  • high commissions

(800) 881-PMMI

Short Term Medical Tip
 Times like these are extremely tough.
 
Provide an inexpensive STM plan for the interim and become someone's hero!

(800) 881-PMMI

Simplified Issue Critical Illness
 
Help your clients during the hardest time of their life by giving them a huge check! 
  • Easy to write
  • Online enrollment
  • Competitive rates
  • Great Commissions
  • 4 day service guarantee
(800) 881-PMMI
 

30% First Year Commissions with Avalon Healthcare continues.

 Avalon Healthcare will continue to pay 30% first year commissions for the time being.
 
What's more impressive is that 2nd year commissions are at an unbelievable 10%.
 
With competitive rates and some of the best plans around, this company is HOT!
 
 
(800) 881-PMMI

 

Niche within a Niche

"Super Specialized" products designed for very unique situations.

Accident Only Life with DI
 
For about $30 per month, a 60 year old male can get $250,000 of Life and $1800 per month DI.
 
Only one medical question pertaining to HIV. 
 
Call today
(800) 881-PMMI
Individual Dental
Real Dental Insurance Plan for just $29.95 per month for the whole family.
 
Sell one of the best retention tools out there.
 
Call today
(800) 881-PMMI
Travel Medical

Don't let your clients leave the country without adequate medical coverage.

If a Domestic Company does cover oversees medical expenses, it's usually considered "out of network."
 
And don't forget, Medicare does not cover international claims, making OTM great for the senior market. 
 
Offer your clients something substantial, like a plan with a ZERO deductible!
 
Call today
(800) 881-PMMI
Volume #3944 January, 2009 
Dear Friends,

I'd like to start off the New Year with a fresh new look at sales.
 
While I'm sure all of you have received some type of sales training, I'm not so sure the training you received is applicable to today's consumer.
 
That's because most sales training focuses on how to sell, instead of creating an environment suitable to buying.
 
This idea is not new.
 
One of the great sales trainers, Jeffrey Gitomer, talks in depth about this in his book "The Little Red Book of Selling" and on his weekly email newsletter "Sales Caffeine."
 
Why is creating reasons to buy more important than selling?
 
The reasons people buy haven't changed in millennium. Necessity, desire, jealousy, greed, and philanthropy are just a few buying reasons.
 
The tactics for selling change more frequently than a traffic light at a busy intersection. Sales people must constantly evolve as consumers become aware of and adjust to these tactics.
 
To sum it up, no one likes to be sold. But everyone loves to buy!
 
So how does one create an environment where people want to buy?
It starts with a desire to change for the better.
 
If that's you, than read on!
 
Shed those old sales clichés such as "always be closing," "creating pain" and "it's a numbers game."
 
  • Always Be Closing? Pressure makes people uncomfortable. And uncomfortable people don't buy, have buyer's remorse if they do buy and don't send referrals. Try offering a way out from the beginning so the prospect lets down their guard. Tell them it's OK if they don't buy today. Let them know you understand and you're here to help. 
  • Creating Pain? Don't we all have enough pain? How about asking questions to uncover the real reason your prospect is speaking with you in the first place. Were they unhappy with their last sales experience? Are they concerned about something in particular? 
  • It's a numbers game? Do you see your prospect as a number? Well than that's how they see you. Look at each meeting as an opportunity to help someone. While your service is not for everyone, your prospect knows people who need your service. So ask for referrals, even if they don't buy!

Finally, if insanity is doing the same thing over and over and expecting different results, than a traditional scripted sales pitch is insanity! That's because people are different, and will respond differently to the same sales pitch.
 
So rather than starting with a scripted sales pitch, try creating a structured game plan that's organic and can adjust when needed.  Let it come from a place that will actually help your client.
 
The bottom line is that if you're sincere in your desire to help and you use the right tools to do so, you will be successful in 2009.
 
And people gravitate toward those who are successful.

Cordially,
Bob Neumann, CLU, RHU,President
Are you still relevant? 

man with bulb


Recently, a study from one of the nation's leading online firms confirmed what we've known for quite some time.

By 2011, over 90% of individual health buyers will use the internet as part of the health insurance buying process.
 
This number is startling. Will local insurance agents yield to the large online insurance retailers to become obsolete? 

No.

While over 90% of buyers will use the internet, only 20% will buy without the help of an agent.

That's right!

By 2011, 80% of all insurance buyers will still want to work with a human being in some capacity before making a decision.

The question is, "Who will they buy from?"

If you think the simple answer is you, think again!

Are you online? Do you have a robust website? Is your website easy to use and understand?

If you buy leads, do you have a sales process and follow up system?

More importantly, have you studied the buying habits of today's insurance buyers?

In other words, do you take advantage of all the resources available to you?

The truth is, the majority of today's insurance buyers want a combination of robust online tools and the expertise that only a licensed agent can provide.

But that's not enough.

Technology has made all of us lazy. A website and guidance are not enough. You must also have a strong follow up system and provide a clear next step when speaking with prospects. That's because in an age where everything is done for us automatically, chances are your client is too lazy to ever call you back.

So when you give someone information, set an appointment within a reasonable time after (no more than a day or two) to review the information you provided. Sending someone to your website for information without a follow up appointment afterwards rarely results in a sale.

To conclude, staying relevant in the insurance business is relatively easy. It only requires the desire to change and the ability to learn, something I'm sure you have if you've read this far.

(800) 881-PMMI (7664)

Emerging Market
Did you know that more and more employees with group coverage are choosing to place their dependants on individual coverage?

Individual coverage offers substantial savings to those who do not get their dependant coverage subsidized by their employers.

Insurance companies can charge much less for individual health insurance for two important reasons.

  1. These plans are fully underwritten, so you must be healthy before you buy them.
  2. Certain items, like mental health and maternity are not covered well, if they're covered at all.

Given the state of our economy, these are easy tradeoffs to make for the millions who dare not go without coverage but are having a difficult time with their current premiums.

Here are 3 ways to get into this market:

  1. Include individual health materials in your group enrollment packets.
  2. Mention that you specialize in dependant only coverage in your marketing materials.
  3. Bring up dependant only coverage to those who say "I'm covered on a group plan"
All in all, this is an emerging market that is proving to be quite profitable.
 

(800) 881-PMMI (7664)

HPA Bulletin
Attention HPA Producers! 
 
Overseas Travel Medical is now available for as little as 5 days.
 
This is a great product for Seniors, as Medicare does not cover treatment outside the U.S.
 
It also works well for the international traveler who is concerned about the out of network nature of international claims.
 
And since premiums are ridiculously low and coverage is available with a Zero Deductible outside the U.S., selling it is very easy!
 
(800) 881-PMMI (7664)
No matter what your need, PMMI has you covered.
 
Sincerely,
 

Bob Neumann, CLU, RHU 
President & CEO
Professional Mass Marketing International, Inc.
FREE WEBSITE*
For a limited time, PMMI is offering free websites that feature our online products with you as the agent. Be one of the first to take advantage of this opportunity while we test new marketing opportunities.
 
*Must be contracted with PMMI for any products offered on the site.
 
 
(800) 881-PMMI (7664)
 
Expires March 31st, 2009