Goals & Needs Analysis
As a matter of procedure, we do not give any financial advice or recommend a specific life insurance product without conducting a thorough Financial Needs Analysis (FNA). We are not in the business of selling. Saving lives is our jam!
We normally ask some basic (non-intrusive) questions that will help us identify your financial needs and goals. We treat our prospects with utmost respect, giving them the prerogative to disclose information that they are comfortable to share. More importantly, we give them the assurance that any information gathered during the FNA session will be treated with utmost confidentiality, as stipulated in our company’s Data Privacy Policy.
Proposed Solutions
Based on the information gathered during the FNA session with the prospect, we select the products that can address the identified needs and goals. Proposals for each product are generated and analyzed. If necessary, a deliberation is conducted to shortlist the selected products, with the prospect’s best interest in mind.
Once the shortlisted proposals have been fully rationalized and ready for presentation, another schedule with the prospect is arranged, at his convenience. (There is no such thing as “business hours” when dealing with prospects and clients.) The main objective of this phase is to help the prospect arrive at an informed decision by explaining the pros and cons of each proposal. Full transparency is key in this phase.
Application Submission
Making a prospect accept a proposal is the best thing that can happen after a long journey. It signals our success in promoting our advocacy and saving lives. However, this is just the start of another journey for us. After collating all the information required in the application form (and some other forms, as may be required), we have to deal with the underwriters, accredited medical clinics and practitioners, and coordinate with the applicant for some other requirements. Policy approval culminates this whole breathtaking process.
Delivery & Support
Unlike in the other phases where we only meet the client via Zoom meetings (at least, during the pandemic period), we get to meet the client personally when the policy contract is delivered. This is the time when go the extra mile to establish a stronger relationship with the client, not only for more business but, as our pledged lifetime commitment to serve. Also part of our commitment is to help clients achieve lifetime financial security and live healthier lives. We also provide support throughout the life of the policy, including policy review.