C TH TIN VO NGОI
INSURANCE AGENT
CA BN KHNG?

ANNA L


LTS: Ch Anna L l mt cy bt chuyn v lnh vc ti chnh, u t... Bi vit ca ch xut hin kh NJu trn Vit Magazine v tp ch TTTD, v ܮc Ƕc gi khp ni i m. Vi kinh nghim ngh nghip phong ph, vi cch trnh by vn NJ duyn dng, d hiu v su sc, ch Anna L khng ch hp dn Ƕc gi qua bi vit m cn mang ljn cho Ƕc gi nhng kin thc cn thit Nj hi nhp vo ǩi sng Hoa K. Qu Ƕc gi c th lin lc ch Anna L ti cng ty World Marketing Alliance -- Securities Inc. qua s in thoi 408-262-0206 - Vit Magazine


Bn thn,

Ci ta NJ ca bi ny va nghe qua, va lic mt nhn qua cng thy n "too negative", thy dy y tiu cc ri! C th n khng hp dn bn - ngܩi džc - bi v, n cng khng hp dn ܮc ngay c ngܩi vit bi ny. Cng nh bn, ngܩi vit lun mong mun ܮc vit v nhng NJ ti tch cc - positive - hn cho ǩi sng vn d nhiu bi thm. Nhng cng c th bn s ng vi ngܩi vit l: Nu ta NJ bi ny nh l mt ung nht trn chn bn, rt hi hm, rt nhc nhi, c th lm cho bn nn ma, chng mt, i ng gp ghnh, th c phi ngi bc s chn ca bn s bo: ng ljn y, nm trn bn, ti mi dao, mi ko, tm kim ch ct bng n i, au mt cht thi, khu v li l xong. ng chu kh nut t vin pain killer trong vng vi ngy sau l cܩi lin, l yu ǩi lin, ti guarantee vi ng mt trm phn trm.

CHN DUNG NGОI INSURANCE AGENT

Bnh thܩng, ngܩi insurance agent l mt bng hnh m nht trong ǩi sng bn, cho ljn mt th su ngy mܩi ba (Friday 13th) no ...Mt ngܩi n b tn Mai, Sacramento tm s vi ngܩi vit: Nu c mt ngܩi n ng th ba no m ti mang n trong ǩi sau ba ti v chng ti, th ngܩi l insurance agent ca gia nh ti. Ngܩi agent ny b my bui sng th by Nj ni vi chng ti v chuyn bo him. V ng ta thuyt phc ܮc v chng ti. Ri, c bit , chng ti sau Ƕt ngt qua ǩi v mt tai nn. Nu nh khng c ng agent ljn, nu nh ng ta khng c ci nhn ni Nj ni chuyn lu vi chng ti, nu nh chng ti khng c ci policy bo him th tht l qu khn n cho ti, mt tay ba a con th...Th . Khi tnh th ri ren nh vy th ngܩi insurance agent l v tin du hin ca bn. Cn bnh thܩng, hn qu l mt tn hc m, ng nghi ng v d ght na. Tri i! c nn tin hn hay khng?

QUYN LI CA TI TRНC HAY QUYN LI CA ANH TRНC?

Insurance agent cng nh tt c nhng con ngܩi khc trn mt t ny, khng t th nhiu NJu b nhng con ma tham, sn, si chi phi, ng tr. Ci bin gii gia thin v c ,gia chnh v t rt mong manh t tri. Thin thn cn b gy cnh hung h chi ngܩi insurance agent. Nu ngܩi agent ca bn l ngܩi c mt cn bn o c tng i l tt ri. ng ta c th l ngܩi khng Nj nhng ng tin commision lm m mt, ng ta c th dm tranh u t nhiu v dm hy sinh t nhiu cho quyn li ca bn. ng l ngܩi bit mnh bit ta. ng ta bit ci g c th lm v ci g khng th. ng ta khng ngn ngi hy sinh 1% tin commision Nj bn v gia nh bn c thm 1% tin li trong qu annuity ca gia nh bn. Nhng, ai l c th tm thy ܮc nhng ngܩi agent l tܪng nh vy? Tha, l chnh bn. Chnh bn l ngܩi phi bit tm kim, phi cm, phi thy, phi nhn xt v con ngܩi gi l agent mi ܮc.

MT NGОI BN BO HIM HAY MT NH C VN TI CHNH?

Nu bn cho rng policy bo him ca gia nh bn c lin quan mt thit ljn nhng d n ti chnh ca gia nh bn trong hin ti v trong tng lai, th nhng nh chuyn mn v bo him ca thp nin ny cng ngh vy. Ngܩi insurance agent khng cn n thun phc v khch hng v insurance m cn bao gm i loi v nhng lnh vc khc nh: Annuities, IRA, SEP-IRA, Keogh plan, 401K plan, transfer hoc roll-over, Mutual Fund,v v.v... Bi vy, vai tr ngܩi agent ngy nay khng cn n gin. Vai tr mi ny i hi nhiu v kin thc, kh nng lm vic, v lng tm ngh nghip cao.

B CON, QUEN BIT

ng Authur Milton, tc gi ca nhng cun sch v insurance ni ting, khuyn bn ng nn chn mt ngܩi agent no ch v ngܩi l b con quen bit hay hng xm ca bn. Vn NJ y l ngܩi c lm ܮc vic cho bn hay khng? Nn nh rng bn mua bo him l v quyn li ca bn v gia nh bn. Ci chuyn mua dm hay mua gip y l v duyn nht. Nh k, quyn li ca bn l number one, trn ht mi th khc.

MT NGОI AGENT QUNG CO N O, M NHT

Khi ngܩi agent tr tin cho mt c s qung co Nj v hoa, v bܧm, sn, pht, hnh tiu mui ti cho vn phng ca h th d nhin sn phm ny l sn phm qung co, chng n nhu g ti kh nng lm vic ca ngܩi agent c. ng Nj nhng qung co lm nhc u bn.

NGмI AGENT BN C NHIU POLICY

Vi nhng mnh khe, th on, v mu lܮc, h c th bn ܮc rt nhiu policy. Nhng ng qun rng bn ang tm kim mt ngܩi agent tt. Ai l ngܩi c th em li quyn li cho gia nh bn mi l iu quan trng.

N CY NO RO CY NY, M HT TH CON PHI V TAY

Thi ǩi xa ljn nay nh vy. Khi ngܩi agent b l thuc vo mt cng ty no th d nhin ng ta khng c ci nhn cng minh nh nhng agent Ƕc lp khc. ng Ben Baldwin, mt nh educator ca American Insitute of Certified Public Accountants (AICPA) NJ ngh rng: "You would be better served by dealing with a broker or independent agent than with a captive agent." Bi v mt l do d hiu l, khi bn l mt ngܩi bn tri cy v bn c mt r nhiu tri cy khc nhau Nj bn th ngܩi i mua s c c hi Nj la chn cho h mt tri va nht; ngܮc li, nu bn ch c mt tri to trong tay, c th bn bit tri to khng ܮc ngt lm, c th bn bit bn trong tri to cn c mt ch su en, nhng m, ci job ca bn l phi bn ܮc tri to. Khng bn ܮc th tin u m mua go cho v con. Trong lc vit bi ny, ngܩi vit cng c dp tip xc vi ch Thy Trng, mt agent lm vic trong mt non-captive agency, v ch cn l mt registed representative cho NASD. Ngܩi vit hi ti sao ch ri hng Metropolitan Life Nj tr thnh mt non-captive agent, ch Thy tuyn b rng: "D thi m, ch v mnh phi l ngܩi agent Ƕc lp th mi dnh ܮc Ƕc lp cho khch hng ca mnh ch." Cu tr li ca ch i vi ngܩi vit tht l l th, tht l ch l.

MT NGмI AGENT C TRNH  HIU BIT TNG XNG

Bn l mt bc s, mt lut s, nhng v lnh vc bo him bn vn cn ljn kh nng chuyn mn ca ngܩi agent ca bn. Th m ngܩi ny li c v l t m na th... tt hn bn nn tm mt ngܩi kh hn - c ngha l mt ngܩi c th gii thch ܮc nhng iu bn thc mc, nhng chi ph cng nh quyn li ca bn mt cch cn k, r rng.

NG TA C PHI L MU NGОI LM BING KHNG?

Ngܩi agent lܩi ch ngi ch sung rng, khng chu b cng sc ra tm ti nhng ci hay, ci mi, khng chu sa ǰi nhng ci c Nj bn c th c thm quyn li. Chnh tnh lܩi bing ca h c th gy ra nhng tn tht ln cho bn v lu di sau ny.

L MT CHUYN VIN M BP

Bn c ngh rng ngܩi agent l mt rip-off artist, chuyn mn xoa ch ny, nn ch n, c thc y, c lung lay bn - Nj bn ǰi nhng policy c m bn ang c Nj chuyn sang nhng policy mi, hon ton khng phi v quyn li ca bn, m ch bi ng ta mun c thm tin commision. Cng nh khi ngܩi bc s ca bn bo rng bn cn gii phu ch ny, ch kia, v bn c nghi ng v NJ ngh ca ng ta, th bn nn tm mt second or even third opinion trܧc khi ng gii phu. Bi v c rt nhiu lng y nh t mu, nhng cng c nhng tay bc s con mt lo lin chuyn mn nhn ng vo nhng health-insurance policy bo b ca bn ch v h cn thm tin mua vi cn nh trn i. Ni ra th bn qu, nhng khi khng b ca i mt tri thn hay b ct i mt phn bao t mt cch v ch, v duyn th ch tn tin cho nhng hng bo him v tn th cho bn m thi...

NI TH HAY M LM TH D

Nhng agent loi ny l k th ca ng Nguyn Vn Thiu: "ng nghe nhng g ng agent ni m hy nhn nhng g ng agent lm." Talk is cheap, and everybody can talk a good game... C nhng ng nhng b agent ni c nh l "chim ht trong lng", rt du dng, rt thnh tht. Cn thn bn nh. C th ng ta ang ca bn "Anh ang la di em, m sao em khng bit, nhng li ni tnh duyn..."

TRIT L NH IN

"i n nh vy ri, thc mc lm g!" l cu kt thc ca bi ny m ngܩi vit nghe t anh Tho Trn, ch nhn nh in Dimension Graphics. Trn ǩi ny nu nhng insurance agent no cng thnh thin o c c th nh th no nh, bn c ngh coi? Th , ci th gii ny m n m NJm, n ngoan ngon, tch lng v thin qun nh nhng ngi cha Ty Tng th my ci nh in bo nh Dimension Graphics dp tim lu ri phi khng anh Tho?


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