1. PRINCIPAL OFFICE KARACHI

3. Time is important for all. For a Salesperson it is more important as what he invests in the profession is his/her time. Time is equally allotted to everyone irrespective of his/her status and other facets. Time cannot be reversed, the moment that has passed will never return. Even a gram of gold cannot buy a second of time. Time and tide wait for none.

4. Time is a very expensive economic resource. Time never stops; it goes on, on and on, what we have gained out of it is our prize. Those who do not value their time are losers in many ways. Time cannot be purchased with money, like commodities. Time and tide wait for none.

5. Set Priorities. Do First Things First. Do The Things That Must Be Done, Even If You Dislike Doing Them, And Success Will Follow.

6. SUGGESTIONS: SUGGESTIONS: Maintain Diaries, Make lists, Daily/Weekly Sales Planners. [Prospect Cards. Fact finding tools]. Minimize the unproductive activities and put the time so saved to useful purposes. Minimize Spending time in the office without any specific purpose Unnecessary travel due to unplanned schedule.

7. SUGGESTIONS: Always make a workable plan and work according to it. Keep record of your time, i.e. how much time you spend for each activity. Give due importance to prospecting and keep on adding to the list, having no prospect means having no work, no income, and nothing to plan.

8. Spending too much time on the same prospect, especially after realizing that this prospect is not qualified or is unwilling to buy. Chitchat and gossip. Leaving your home without a definite purpose Ignoring your health and nutrition AVOID UNPRODUCTIVE ACTIVITIES

9. Not maintaining your vehicle properly. It may cause problem while on way to an important client. Not keeping the phone index or lists Phone numbers without mentioning Client names Depending too much on your memory that results in poor record keeping. Not knowing your priorities, attending to unimportant tasks while the important ones keep pending. AVOID UNPRODUCTIVE ACTIVITIES

11. The position of Insurance Sales Representatives is unique. They provide the liaison between their clients and the State Life. Good behavior and professional approach creates a good image of the profession. Remember that Businesses have no choice but fulfilled their customers need and to listen them carefully to what they are saying. Some important aspects are given below: Professional competence and ethics To safeguard the interests of policyholder as well as the Insurer.

12. To present Accurately, Honestly and Completely every fact to help clients to make decision. Avoid rebating and recycling Acquire continuous knowledge and skills High Moral/Standards of Organization To refrain from Twisting/Persuading a Policy Owner to discontinue or in order to purchase a new policy. Excellent Customer Service to all Policy Holder at all time. To refrain from criticizing others.

13. Prospecting with a well directed systematic process. Qualifying prospects based on standards Cultivating Centers of Influence Being involved in the community Keeping complete Prospects files and records. Obtaining Referrals (names). Having a well defined market and building clientele.

14. Exploring the Markets Meeting qualified prospects and their needs. Fulfilling requirements to get a proposal materialized in accordance with life insurance policies. To provide post sale service to policyholders example claims handling. Maintaining a liaison with your Area Office, Sector and Zonal Office for continuous learning process.

15. FIELD MAN POWER DEVELOPMENT DEPARTMENT DEVELOPED BY: MOSHIN ABBAS & KASHIF HASHMI F.M.D P.O, KARACH