Utilizing 30 years of real estate training and professional education experience, Florida real estate school Larson Educational Services is the premier provider of Florida real estate licensing, exam preparation, post-licensing, CAM licensing, mortgage loan originator licensing, and continuing education in Southwest Florida. Classes are available in Fort Myers, Naples, Sarasota, and online.
For more information about our brand new insurance licensing courses, click the image below:
About Larson Educational Services:
Utilizing 30 years of real estate training and professional education experience, Florida real estate school Larson Educational Services is the premier provider of Florida real estate licensing, exam preparation, post-licensing, CAM licensing, mortgage loan originator licensing, and continuing education in Southwest Florida. Classes are available in Fort Myers, Naples, Sarasota, and online.
How to sell health insurance to small businesses Part 2
Small and medium sized businesses account for more than half of new job creation in the US. Therefore, they offer a great prospecting opportunity for health insurance professionals.
Check out these 10 tips for selling health insurance to small businesses.
6. Empathize
Get an understanding of what motivates your potential client. What are their goals and challenges? What is their budget?
The first question you ask never really gets to the heart of the matter. Follow up with two or three more questions to get to their real pain and needs as a business.
7. Build Genuine Relationships
The key in this tip is the word “genuine,” as in not forcing the issue. Get some knowledge on the prospect’s background (perhaps even take notes to keep for future reference) and ask them a ton of questions.
8. Do More Listening than Talking
We all know you’re a good talker (or at least you should be). Why else would you become a health insurance sales professional? But resist the urge to talk too much about yourself and the products you’re selling. For a start, there’s a chance that you may be providing a solution to a problem that this prospect doesn’t have. Second, you might come across as arrogant. Remember to give a little and give a little in the conversation. If you notice yourself talking too much, divert the attention back to your prospect.
9. Don’t Plan Conversations (Too Much)
It’s good to have an idea of where you want a conversation with a prospect to go, otherwise things may get off course and you will spend more time than necessary with a potential client. But it’s also important that you don’t sound too scripted or over prepared when it comes to talking points in the conversation.
Overly scripted sales pitches and conversations make you sound robotic and they make your potential clients uncomfortable. Learn to think on your feet, get a vibe for the person on the other side of the table, and have fun. This may take some practice if you’re not already skilled in this area, but your conversation skills can always be improved.
10. Find a Mentor
Whether you’ve been a health insurance sales professional for 20 years or 1, we can all improve. Ask one of your colleagues to shadow you on a sales call and get feedback frequently. Ask them how they deal with some of the common problems you encounter. Odds are they’ve had to deal with the same problems as well.
If you’re a one-person operation, then try to network with other health insurance professionals at conferences and different professional events in the area.
Follow these tips and you’ll be more likely to get those small business clients in no time.
About Larson Educational Services:
Utilizing 30 years of real estate training and professional education experience, Florida real estate school Larson Educational Services is the premier provider of Florida real estate licensing, exam preparation, post-licensing, CAM licensing, mortgage loan originator licensing, and continuing education in Southwest Florida. Classes are available in Fort Myers, Naples, Sarasota, and online.
Small and medium sized businesses account for more than half of new job creation in the US. Therefore, they offer a great prospecting opportunity for health insurance professionals.
Check out these 10 tips for selling health insurance to small businesses.
1. Take Your Time
Part of the selling process includes educating your potential clients on what their potential health insurance solutions might be. Likewise, you need to qualify your prospect. If you skip these integral steps in search of a quick sale, then you may lose a deal. And remember: larger companies may require more time for the purchasing process. Utilize their more complex decision-making process as an opportunity to spend more time building a relationship with your client.
2. Focus on Best Leads
When you first meet a potential prospect (or even when you make a cold call) be sure to have a set of questions to ask that let you know whether or not your time will be well spent trying to get their business. Recognize who your most qualified leads are and be sure to give them your expert care.
3. Be Goal Oriented
It might be helpful to think of selling health insurance as a series of offers and agreements. It might start with the prospect agreeing to speak on the phone, then the prospect agrees to meet in person, then the prospect agrees to hear the sales pitch–all the way until the prospect becomes a client by agreeing to buy a health insurance policy from you.
At each potential agreement point, know your desired outcome and know what the next step is. Be sure to communicate these next steps clearly with your prospect.
4. Saying “Yes” Should Make Sense
Selling is not always a logical line of cause and effect; buying and selling is an emotional process. Spend time cultivating a relationship with your potential client and saying yes will make sense for them from both a logical standpoint and an emotional one.
5. Be Okay With Hearing “No”
Some salespeople dread the word no. But as you gain more experience as a health insurance sales professional, hearing no will be part of the process. It’s a good thing. A yes means you made the sale, but a no simply means that the prospect is not qualified and you are able to clear them from your prospects list. Do ask for feedback as to why they said no but don’t be pushy: simply try to gather information that may help you in future sales situations.
Follow these tips and you’ll be more likely to get those small business clients in no time.
Check back next time for part 2!
About Larson Educational Services:
Utilizing 30 years of real estate training and professional education experience, Florida real estate school Larson Educational Services is the premier provider of Florida real estate licensing, exam preparation, post-licensing, CAM licensing, mortgage loan originator licensing, and continuing education in Southwest Florida. Classes are available in Fort Myers, Naples, Sarasota, and online.
To sell annuity contracts, variable contracts, health insurance or life insurance in Florida, a person must have a license from the Florida Department of Financial Services (DFS).
Before obtaining a license, a person is required to attend a pre-licensing course, pass the state exam and submit an application.
The 3 types of Florida Life and Health Insurance licenses
2-15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License
2-14 Florida Life (Including Annuities & Variable Contracts) Agent License
We’ve created an easy-to-follow 5-step guide to help you navigate the Florida Life and Health Insurance licensing process.
A Step-By-Step Guide
1. Attend class
60 Hour Health and Life (Including Annuities and Variable Contracts) Agent Pre-Licensing Course – $339 tuition includes a 1-year enrollment term in the classroom course.
Click below to view more information including our course dates and times:
Larson Educational Services is a Florida approved Insurance School (License #370501). All applicants must complete the required education and pass the end-of-course final exam with a score of 70% or better. Your Course Completion Certificate is valid for four (4) years from the date of issuance.
Currently, Larson Educational Services is approved to teach the following insurance course(s):
60 Hour Florida Health & Life (Including Annuities & Variable Contracts) Agent License Course – Course ID #96045
Larson Educational Services is required to submit proof of your course completion to the Department of Financial Services Bureau of Licensing within 20 days of your course exam pass date. We guarantee we will do this in no more than 7 days.
Step 2. Pass the State License Exam – $42
You can schedule your Florida insurance exam at any time. Completion of the pre-licensing course is NOT required in order to schedule the test.
Our recommendation is to take the state exam 5-10 days AFTER you’ve completed your course. Scheduling can be completed by calling 1.888.274.2020 or visiting PearsonVUE.com. The state exam fee is $42 for each attempt.
State exam regulations:
Regardless of which exam you take, a 70% score is required to pass.
A passing score is valid for one (1) year from the passing date.
You will be required to re-take the exam if you do not complete the licensing process within that time-frame.
You are limited to five (5) examination attempts during a one (1) year period.
Each exam contains 15 “pretest” questions that do not affect your final score. “Pretest” questions are distributed throughout the exam randomly. Most likely these questions will look very different from the course materials and practice questions covered in our class because we have no knowledge of the content of these “pretest” questions.
Exam Type and Code Number of Questions Time Limit (use the code listed in the table below when scheduling by phone or online. View more detailed State Exam Information):
Step 3. Register for Electronic Fingerprinting – $48.55
Florida requires electronic fingerprints be taken in order to run a criminal background check. To make a reservation with MorphoTrust, click the link below or call 800.528.1358. Insurance license fingerprint records are good for 1 year.
Cost of fingerprinting is $48.55. The results of your criminal history check will be submitted electronically to the Florida Department of Financial Services.
If you are asked for the “ORI” number at any time during the fingerprint process, use “FL921060Z”. This is how the fingerprinting company knows your fingerprints are for Florida Insurance Agent licensing.
Southwest Florida has two Insurance License fingerprinting locations:
Fort Myers: Fingerprint Services – 8192 College Pkwy, Suite A-27
*The application can not be submitted until the pre-licensing education has been completed from Step 1.*
Submit a license application to the Florida Department of Financial Services (DFS). On the application you will share information about yourself and include a fee of $55 payable to the DFS.
Click the icon below to access the MyProfile page managed by the DFS Bureau of Licensing. Either login to an existing account or click on “Create Account.”
When creating an account for the first time, you will select “Individual” as your account type. The license type is one of the following:
After all the steps above have been completed, the DFS Bureau of Licensing will send your license approval by email. You can print your license from your MyProfile page.
The total cost to obtain your Florida Insurance License:
2-15 Health & Life Insurance License is $145.55 plus course tuition
2-14 Life Only Insurance License is $145.55 plus course tuition
2-40 Health Only Insurance License is $145.55 plus course tuition
Utilizing 30 years of real estate training and professional education experience, Florida real estate school Larson Educational Services is the premier provider of Florida real estate licensing, exam preparation, post-licensing, CAM licensing, mortgage loan originator licensing, and continuing education in Southwest Florida. Classes are available in Fort Myers, Naples, Sarasota, and online.
Remember: LarsonEd is not only your Florida real estate school, but also your insurance school of choice!
To sign up for insurance classes, give us a call at 239-344-7510 or visit our website, www.LarsonEd.com/insurance.
About Larson Educational Services:
Utilizing 30 years of real estate training and professional education experience, Florida real estate school Larson Educational Services is the premier provider of Florida real estate licensing, exam preparation, post-licensing, CAM licensing, mortgage loan originator licensing, and continuing education in Southwest Florida. Classes are available in Fort Myers, Naples, Sarasota, and online.
Family-owned and operated Larson Educational Services has had its doors open in Fort Myers since November 2008. We at LarsonEd are excited that for the first time in our company’s 8-year history we are offering health insurance education. This is in addition to our already established courses in mortgage, CAM, and real estate.
Beginning in August 2016, we will offer the Florida 2-15 Health and Life Insurance pre-licensing course. This license allows you to sell all forms of Life Insurance, Health Insurance, Medicare Supplement, HMO, Home Health Care, Managed Care, and Long Term Care policies. You may sell FIXED Annuities with this license as well.
As a professional education business, we are always looking toward the future for possible trends and opportunities. We feel that there will be a steady, continued growth in the health and life insurance industry in Florida. Now is a good time for us to bring our high standards and exam preparation expertise to this growing field. It also allows us to diversify our course offerings and give additional career options to our current and future students.
In our classes, you’ll learn about the Florida Health & Life licensing requirements, responsibilities, liabilities, and standards of conduct. We also include, at no additional charge, all the EXAM PREPARATION you need to pass your exams. Click here for the exam prep schedule.
Comprised of 12 modular units covering the basic principles and business fundamentals of insurance, our experts will prepare you not only for success on exam day, but will help you get off to a fast start once you have received your license. Because our course has a modular format, you can mix-and-match dates and locations if you need flexible scheduling. Just call us at 239-344-7510 and we’ll help you put a schedule together.
You can’t find that flexibility at any other insurance school in southwest Florida! Plus your tuition payment is good for one year! You can attend the course again to review for no additional charge.
We accept registrations all the way up to the course start time.
If the course date you want is listed as *SOLD OUT*, please call us 239-344-7510 to be placed on our waiting list. If we have any cancellations, students will be contacted and placed on the course roster based on the order they went on the waiting list.
Tuition: $339
Includes:
1-year enrollment period to complete or review the course
Our exclusive student workbook
Our Health & Life Exam Preparation. No separate class needed!
Utilizing 30 years of real estate training and professional education experience, Florida real estate school Larson Educational Services is the premier provider of Florida real estate licensing, exam preparation, post-licensing, CAM licensing, mortgage loan originator licensing, and continuing education in Southwest Florida. Classes are available in Fort Myers, Naples, Sarasota, and online.
Naples Real Estate School 