Half a billion wasted in the January sales¹.
The start of a new year is not just a time for making resolutions that'll probably be forgotten in a week or two. It is also a time when many consumers stop and take stock of their spending, look at their bank statements and see how much money they can save themselves. Overspending on Christmas gifts and 'bargains' in the January sales means debt is at an all-time high and the need to tighten belts becomes a priority. Read more...
Remind your clients about the benefits of protection - and the value of your advice
- How do we make sure that protection plans aren't thrown away because clients are looking to save money?
- Why not write to your clients to remind them about the benefits of having protection in place, and offer to review their needs?
Here are a few helpful paragraphs you can use in your approach letters. Simply copy and paste the information that suits your client. We've also suggested literature you could send along with it.
1. Inviting your client for review
Is your protection insurance plan still right for your lifestyle?
Life passes us by so quickly that we sometimes forget the little things. Like making sure our insurance is up to date.
Having the right personal protection plan in place means that if the unthinkable did happen, you and your family wouldn't have to worry about keeping a roof over your head and paying the bills.
But if you've got married, moved house, changed your mortgage, or had children since you bought your original plan, you might find that it isn't quite right for your new lifestyle. I can take a look at it to make sure you have the right level of cover and change it for you, often at no extra cost.
Even if your life hasn't changed, but you feel you'd like to review your protection plan and perhaps add, remove or change the amount you're covered for, I can change your plan to suit you.
I've enclosed a story about Bright Grey plan owner Jo Lister to show how easy it is to change your plan to suit your needs.
Enclose 'Why Jo bought Income Cover for Sickness' sales aid.
2. Reminding your clients of the value of their plan
When you bought your protection plan, you bought valuable peace of mind that you and your family would be covered financially if the worst happened. They wouldn't have to worry about keeping a roof over their heads and paying the bills if you died or became seriously ill.
Your protection plan is as relevant to you today as it was then. Because unfortunately we never know what life's going to throw at us, and it often doesn't matter how young or healthy we are, the unthinkable can still happen.
In fact claims statistics from Bright Grey show that the largest number of claims were for those aged between 30 and 39 - so it really could happen at any time³.
With so much uncertainty in life, having a financial safety net in place makes more sense than ever. But your plan isn't set in stone. If you'd simply like to add, remove or change the amount of cover on your insurance plan, you can do this at any time, often at no extra cost. Just give me a call.
3. Remind your Bright Grey clients about Helping Hand
Have you used Helping Hand yet? If it's a while since you bought your Bright Grey plan, you may have put the details in a drawer and forgotten all about the extra benefits available to you. Helping Hand is available for you and your family to use as soon as your plan starts. Helping Hand offers:
- Access to medical, career, legal and personal helplines
- Access to a qualified nurse adviser
- Complementary therapies
I've enclosed a flyer telling the story of Bright Grey plan owner Karen Robertson who used Helping Hand to speed up her recovery. Her therapist says it would have taken 3 to 4 years for Karen to recover without this help.
If you'd like more information about Helping Hand just give me a call.
Enclose 'Here's how Karen got a Helping Hand from Bright Grey' sales aid.
The lifestyle calculator
If you haven't already used our lifestyle calculator, click here for an interactive tool that will help you show your client that for little more than the cost of a few lattes they can afford the protection they need.
Objection handling pads
Or why not order our free, unbranded affordability pad to use with your clients?
Order pads from our literature ordering system.
Source: ¹ Bright Grey Christmas sales – Opinium December 2009
² www.creditaction.org.uk January 2010
³ Bright Grey claims statistics 1 January - 30 June 2009
