Insurance sales closing presentation techniques

Once you get to know your clients, you then go to the product presentation of your visit. Most life insurance agents tend to have some sort of sales presentation. Sales presentation is intended to educate your clients on your products, and how they perform.

The biggest mistake that I see there is

a very unusual presentation of information. Let me take a step back and show you what I mean by this.

Life insurance products, and their complexity can really put a human brain to sleep. What I noticed is some company jam packing their presentations with so many complicated phrases that the average consumer simply will not understand.

Do you know why people choose to read at night? Very tired. Finally, during a reading session you will find some words that you do not understand, and you will miss it. Generally about 15-20 minutes and then you will begin to get drowsy and fall asleep.

The same concept applies to sales presentations, closing techniques if your insurance is very dependent on your presentation to a client, I strongly suggest you keep it very simple. Simplicity is the key factor in closing ratios in the business. Many people do not understand what is a mutual fund. I personally do not call it mutual funds, collective swimming instead I call it money. Little things that really make a difference in the make or break a deal.

Life insurance closing techniques – appropriate communication

The concept is exactly the communication, although very simple is a concept that 90% of life insurance agents do not follow. That’s why you do not see them making over 100k + per year. How exactly do you apply this concept to your insurance cover the techniques? Proper communication is actually a two-way communication. What it means is that over time you get to know your clients, and even during your sales presentation you should always listen to and acknowledge. You always have to acknowledge your clients problems, if you have an outstanding solution, if you do not you still have to acknowledge their concerns and watch to see what you can do to help them.

During the presentation, you have to make interactive. Not by any means just sit there and babble and without even getting “OK” or “I understand,” from your clients. Once you explain the part of your presentation to a client, turning paper and make them explain it back to you. They should have no problem doing that if you keep it simple, and if you are in the proper communication from the get go your interview. Do not be afraid to ask open questions, anything that would involve more communication will make your clients feel like you are a friend, and not someone who is just trying to sell them some products.

By applying what you’ve learned here in your daily practice, you will see great results in your personal production. Remember, keep the presentation as simple as possible, the complexity is a deal breaker. Know who the person in front of you, they put food on your table for family and friends. If you actually provide service to your prospect, and you use the proper two-way communication to help your clients understand that, then you will greatly increase your insurance cover the ratio.

Computer Communication with Humans and Future Interactive Challenges

Humans often communicate with each other via email and computer communication correspondence. They take thoughts and turn them into the words of a limited human language and put them onto another medium in this case a computer. Surely that is a very archaic way to communicate and in the future we will use thought transfer to collaborate. But before this transition to the faster and unlimited communication of thought transfer and combined brains or collective of minds, we will be communicating with other humans through electronic devices. We will also be communicating with computers or Artificial Intelligence in this way.

Although humans collaborate in words, the mind doesn’t and one would believe that intelligent people communicate past the words themselves. Words only set the mind in motion on a concept and keep the mind somewhat focused temporarily on that line of thought or reasoning. Humans should not be controlled by the directions posed in the written words as it limits them, but should use them as a basic theme so that the conversation does not go buggy off on a million different directions, as every set of words lead to every other one you see? Like roads? Or frequency, or time, or energy, you dig? You find?

Did you know that computers now used in surveillance are programmed to make common errors to look like they are more human, which makes a lot of sense? They will mimic common mistakes, even mirror the mistakes of the target. But they often fail in their Artificial Intelligence programming because the do not allow for tangents of thought within the words and instead move the conversation into the abyss. This typically loses the interest of the subject and causes suspicion and thus the surveillance is blown or the target no longer chooses to communicate.

In the future these programs will also be used with real language in Voice IP to assist people in actual human conversations through electronic synthesized voice. There are currently projects to program Instruction Manuals to talk a human through a repair or procedure. Imagine the time saved in Virtual Reality Training or the possibilities of removing stress during a critical mission while your artificial instructor talks you through the important operation.

Computers are interesting, but the idea of computers communicating with people or interfering with the communication of people is an unfortunate eventuality in this present period as we learn better programming techniques and teach computers to program themselves and learn how to best serve us. Well that is the intellectual thoughts and concepts of it, in the future we will see the computers better themselves, but doubt expect perfection for a while, there is a lot of work to do still. The Future of Computers Serving People or People Serving Computers is still up in the air. I hope you have enjoyed this topic, please think on it.

Switching to VOIP Today Can Save Considerably on Communications Costs

The economic news for North America has been dismal for the last year and one half, and although it appears there are signs of a possible recovery, the immediate future remains troubled. In such an environment, businesses have to evaluate their processes carefully to identify any and all means of increasing efficiency to remain profitable. Savings gained through greater effectiveness may have social implications as well, retaining employees that might have otherwise been let go. One means of saving money for almost any organization is gained by reducing the cost of communication. For rapid results a company may wish to switch from regular telephone packages to VOIP today.

The telephone has seen a number of modifications and improvements over the years. Early in its history it was a marvel of communication technology and a testament to hard work and creativity, as a network was built to connect literally ever household and business in America together. Though there were many tribulations relating to the any practices of some companies, eventually it was settled the NOrth American way, competition wins.

The phone instrument has also undergone many changes from the original. The French phones were soon joined by the princess and slim line styles. Party lines disappeared and mobile phones were introduced. By comparison with current devices, these early mobile types would more precisely be referred to as movable, not portable.

The cellular phone opened a whole new world of telephone use. Now the user was not tied to a facility to use the device. The cell phone has been a tremendous advantage to society in the form of communication during emergencies and for individual protection, and of course it has had its down sides. One of the problems is the distraction is causes for individuals who are trying to communicate while driving.

After the breakup of the some systems, a wide range of companies entered the fray, competing for your communications dollars. Cell phone availability and coverage increased and continues to improve. Satellite technology has made access easier for telephone companies and the advent of cable bundling has diversified the companies entering competition.

Businesses have always relied on communication and now the telephone has capabilities one could only dream of in the past. They are so sophisticated that the line between portable computer and portable phone is blurring, but all of that comes at a cost. The smart phone class of device has a hefty monthly bill to provide the services businesses have come to rely on. Yet for a businessman on the go having immediate access to phone, fax, e-mail and internet is worth it.

The infrastructure for phone service can still be a considerable cost when constructing a new facility. Despite all the progress, there are still costs associated with pulling all the wires for internet accessibility, power and telephone wires. Although many companies issue mobile phones to their employees, few have made the move to all wireless telephone capability, notably because there will always be a need to have a home station phone for customer inquiries 24 hours a day.

There is an increasingly popular notion gaining strength in the business community that leverages the existing internet infrastructure to provide telephone access. This innovation, known as Voice Over Internet Protocol, obviates the need for the traditional telephone line and can significantly reduce the costs of business communication. By using VOIP PBX today, a business can get intra-company phone service for software that can be downloaded free, doubling the computer as a telephone.

Computer Network Overview

Computer networking or data communication is a most important part of the information technology. Today every business in the world needs a computer network for smooth operations, flexibly, instant communication and data access. Just imagine if there is no network communication in the university campuses, hospitals, multinational organizations and educational institutes then how difficult are to communicate with each other. In this article you will learn the basic overview of a computer network. The targeted audience of this article is the people who want to know about the network communication system, network standards and types.

A computer network is comprised of connectivity devices and components. To share data and resources between two or more computers is known as networking. There are different types of a computer network such as LAN, MAN, WAN and wireless network. The key devices involved that make the infrastructure of a computer network are Hub, Switch, Router, Modem, Access point, LAN card and network cables.

LAN stands for local area network and a network in a room, in a building or a network over small distance is known as a LAN. MAN stands for Metropolitan area network and it covers the networking between two offices within the city. WAN stands for wide area network and it cover the networking between two or more computers between two cities, two countries or two continents.

There are different topologies of a computer network. A topology defines the physical layout or a design of a network. These topologies are star topology, bus topology, mesh topology, star bus topology etc. In a star topology each computer in a network is directly connected with a centralized device known as hub or switch. If any computer gets problematic in star topology then it does not affect the other computers in a network.

There are different standards and devices in computer network. The most commonly used standard for a local area network is Ethernet. Key devices in a computer network are hub, switch, router, modem and access point etc. A router is used to connect two logically and physical different networks. All the communication on the internet is based on the router. Hub/Switch is used to connect the computers in local area network.

Hopefully, in this article you may have learnt that what a computer network is, how important it is in our lives, what are different network devices, standards, topologies and communication types.

How to Select the Best Motherboard For Your Computer

While it’s relatively easy with today’s technology to build your own computer; selecting the best motherboard is critical to building the computer that best fits your own unique needs. 

Building your own computer can mean saving money and also building a custom specified system – it means getting exactly what you want.  All computer components are important (the computer can’t run without them) but the motherboard is a very important part of your computer system and you need to have a clear understanding of what you want, why you want it, and how what you’ve selected affects the operation of the computer once built. You need to know how to select the best motherboard for your computer.  All components in your computer system connect to the motherboard; it is the key component and therefore you need to understand it.  For the purposes of this article, we’ll assume that you are building your own computer rather than replacing the motherboard in an existing computer system.  But in either case, learning what to look for and how the motherboard affects the performance of your computer is important.

First, consider which CPU you will be using.  For example, Intel and AMD CPUs both use different motherboards because each uses a different socket type.  Then, you also need to understand the processor speed; your motherboard needs to support the selected CPU. With the rapid technology changes in today’s environment, there are a wide variety of socket types in use.  Processors used to have the same number of pins, with technology driving fast changes, the motherboards sockets need more pins to provide more power and support new features. New processors are starting to put the pins on the socket instead of the CPU, allowing for easier set-up. You must match the right CPU (and socket type) to the right motherboard.  The CPU needs the socket to communicate with motherboard components through the chipset.

The CPU drives the decision on which chipset to buy and use.  A fast chipset allows efficient data transfers and power management; the chipset controls all the communication between CPU, the memory, and the local bus. There are two major parts of the chipset: the northbridge and the southbridge. The CPU communicates through the northbridge with the system RAM (the AGP graphics card) or the PCI-E (graphics card).  The CPU also uses the northbridge to communicate with the southbridge.  The northbridge is closer to the CPU and faster; the southbridge is further from the CPU and slower. The communications to USB ports, PCI slots, SATA connections, and other components is handled by the southbridge.

The bus is a circuit through which data is transmitted; it connects parts of the motherboard. Bus size is important because size, or width, determines how much data can be transmitted. Bus speed, measured in MHz, is relevant when selecting a motherboard.  Speed determines the components communication speed and data transfer; therefore a fast bus speed allows fast data transfer and faster running applications.

The circuit connecting the CPU to the northbridge is the Front Side Bus (FSB).  The top end of FSB speed is 1666 MHz – the higher, the faster and, typically, the more expensive. Speed is evolving and being upgraded with new technology, not just because faster is better but to synchronize with demand for speed from upgraded and new applications. As with most equipment and technology, the slowest component will be a speed bottleneck for the whole operating system – with a slow FSB speed, your computer will also operate at slow speed.

When selecting your motherboard you need to consider memory and how much memory you want for your computer system.  Unless you are a gamer, or do a lot of graphics or video work, 2 GB of RAM should be enough. Most motherboards today come with at least two memory slots, and many come with four.  To ensure you have enough expandable memory capacity for the future (even if you start with 2 GB of RAM), buy a motherboard with 4 slots.

Other considerations when selecting the motherboard for your computer build are the peripherals, such as keyboard, mouse, printer, flash drive, external drive and digital camera. If you plan on adding additional cards (such as graphics card, wireless network card, sound card), you will need enough PCI slots to handle the peripherals. Most motherboards have four USB slots and two more that connect to the USB ports on the case. You also need to consider the battery (you’ll likely need to change the battery in your motherboard every four to 5 years – if you keep your computer that long) and the preloaded BIOS (which boots up your computer).

People who have not yet built their own computers are often concerned that they will not be able to build the system they want, accurately, efficiently and cost effectively.  However, the best way to learn, to save money, and to get a custom built system, is to just build it!

Communications Equipment

Communication is specifically related to a process of transferring information from one entity to another. Communication processes are sign-mediated interactions between no less than two elements which share a collection of signs and semiotic rules. Communication may also be defined as “the imparting or interchange of thoughts, opinions, or information by speech, writing, or signs”. There are different methods of communication the most common being direct speech between humans. Other facilities can make communication possible, more specifically communications equipment. In modern times the primary types of communications equipment that are use include telephone, radio, television and the computer via the internet.


In an analogue telephone network, the caller is connected to the person he would like to speak with by switches at a variety of telephone exchanges. The switches will produce an electrical connection between the two users and the setting of these switches is determined electronically when the caller dials the specific number. Once the connection is created, the caller’s voice is transformed into an electrical signal using a small microphone in the caller’s handset. This electrical signal is then processed and sent through the network to the user at the other end where it is transformed back into sound by a small speaker in that person’s handset. Additionally there is a separate electrical connection that works in reverse, allowing both users to converse. The fixed line also combines digital and analogue transmission to enable long distance calls. The fixed line is becoming far less popular because of the advent of the cellular phone which allows users to be completely mobile.

Radio and television

Within a broadcast system, the central high-powered broadcast tower transmits a high-frequency electromagnetic wave to multiple low-powered receivers. This high-frequency wave sent by the tower is modulated with a signal containing visual or audio information. The receiver is then tuned to enable the instrument to pick up the high-frequency wave and a demodulator is used to retrieve the signal containing the visual or audio information. The broadcast signal can be either analogue which means the signal is varied continuously in relation to the information or digital which means the information is encoded as a set of discrete values. Regardless of the method the outcome will be audio if listening to a radio and audio and picture if watching a television.

The Internet

The Internet is in actuality a worldwide network of computers and computer networks that are able to communicate with each other using the Internet Protocol. A single computer on the Internet has a unique IP address that can be used by other computers to route information to it. Subsequently, any computer on the Internet can deliver a message to any other computer using its IP address. These messages that are sent carry with them the originating computer’s IP address allowing for two-way communication. The Internet is therefore, in essence, an exchange of messages between computers. As of 2008, an estimated 21.9% of the world population has access to the Internet with the highest access rates seen in North America with 73.6%, Oceania/Australia with 59.5% and Europe with 48.1%.

Computer Protocols

Messages are sent and received on communicating systems to establish communications. In any dialogue between 2 or more individuals, there are numerous protocols and rules that the people must follow in order to have a successful communication. For example, they have to use a common language, common grammar, sentence structure and so on.

It is impossible for people to communicate without those protocols and rules. Protocols are specific to the features of the source, network and destination of the message. Protocols describe how the message is transferred. Protocols define the format of the message, the message size, the timing, the encodings and the encapsulation method.

A lot of of the models and rules that make human communication possible also apply to computer communication.

Every message has to be encoded. This is the method of converting thoughts into the language, symbols, or sounds, for transmission. Decoding is exactly the opposite.

Imagine an individual watching a football match and then calling a friend to talk about how interesting the game is. The person that sends the message must first convert his thoughts and perceptions about the football match into words. The words are converted to sounds that transfer the message. On the other side, the individual listening to the sounds, receives and decodes the message in order to visualize the football match.

Computers also use encoding when they communicate. The data sent across the net are first converted into bits by the sending computer. The computer that receives the data decodes the bits in order to interpret the message.

When a computer sends a message to another computer, it must use a specific format.

Writing a letter has always been a very popular and easy way to communicate. For many years, the common format for letters has not changed. Usually, a letter contains the features below: The name of the recipient, the message content and finally the name of the sender. Except the correct format, all the letters must also be inside an envelope for delivery. This envelope contains the address of the sender and receiver on it.

The process of placing one letter inside another letter or envelope is called encapsulation. De-encapsulation occurs when the recipient receives the letter.

In conclusion a protocol is an agreed-upon format for transmitting data between two devices. It is also a set of rules and message formats that entities must follow to exchange those messages.