Success During a Financial CrisisWhen financial crisis happens, it’s not easy. My strategy is to go back to the basics, like when I firststarted in the business. I try to be positive myself. Whenever I talk to people, I hope to touch them withmy up-beat spirit. I hope that I bring the sunshine when people see me.Ever since the financial crisis started, I push myself to make more phone calls, set more appointments,and extend better services. I take initiative to visit people, provide them with current market informationand update their policy status. I offer to analyze their current financial situation, and advise how to turndisadvantage into advantage by spending every penny for the best leverage.I show enthusiasm at all events and go the extra mile to observe and be conscious of people around me;such as this experience at a wedding:A couple sat next to me. I told the young lady that she is a lucky lady to have such a gentleman for aboyfriend. The man responded that they have been married for 15 years. I told the woman that I thoughtshe was just a young lady because she is so fit. She said she had three children already. I asked how oldthey were and was told 12, 7 and 5 years. I said she must have had her first child when she was 18. Shelaughed and said she was 40. Her husband said proudly that some people think he’s the father of four.When I asked his age, he said 45.From the rest of our conversation, I could tell they care about their family. And I got all their censusinformation: ages, health status, type of business and where they live. We exchanged business cards, and Iintroduced myself at the right moment. I asked them if they’d mind if I called on them sometime. What doyou think they said?The following Monday I had my assistant prepare the whole family’s data. I called Mr. Wong and toldhim that I was accompanying a client who was taking the physical exam for insurance in theirneighborhood on Wednesday. Would it be alright if I dropped off some information for them to review aswell? Mr. Wong readily agreed.So, I visited Mr. and Mrs. Wong, introduced my services, the importance of insurance and different typesof insurance. Mr. Wong said he was going out of town again and would contact me when he returns. I toldhim that the nurse happens to be in the neighborhood and that he didn’t have to make a final decisiontoday; as long as he signed the application and made the first month’s deposit with the physical exam, hewould be covered so he could travel with peace of mind. When he returned, the insurance company wouldhave the offer ready, and he could then make the final decision.Since then, the Wong family has not only purchased insurance; they have also set up a trust.Everything is possible – as long as we are willing to listen between the lines, ask sound questions, andmost importantly, take timely action, even if it’s not a big sale. We can accumulate small pieces into bigones. The pyramids were not built in one day.Christine K. Young is a 27-year MDRT member with 21 Top of the Table honors. Young’s two books,Ordinary Individual — Extraordinary Accomplishments and Developing Unlimitation within Limitation,are used as sales guidelines in Asia. Young formerly hosted a weekly TV talk show, “Who’s Who onTV,” to interview celebrities, such as the Dalai Lama and the presidents of the United States and China.Million Dollar Round TablePhone: 847.692.6378 | Fax: 847.518.8921 | Web site: www.mdrt.org
American General Life CompaniesNEW BUSINESSUPDATEOctober 30, 2009Introducing...Automated Requirement E-mails!Bulletin 09-171As mentioned in our October 16, 2009 communication (bulletin 09-160), American General Life Companieswill soon be launching one of our newest service enhancements – Automated Requirement E-mails. This newservice will automatically send e-mails to your agency’s case manager of record to let them know when a statuschanges, requirements are posted or receipted, when new correspondence has been posted and when a followup is needed due to no activity on the case. Listed below are some FAQs to assist you in understanding thefeatures of this exciting new service.Automated Requirement E-mails FAQsQ: What will the automated requirement e-mails contain?A: Automated e-mails will contain both receipted and unreceipted requirements as well as any correspondencethat has been posted on the case (such as amendments or health statements).Q: Who will receive the automated e-mails?A: E-mails will be sent to the case manager whose e-mail information appears on the New Business Transmittalor coversheet that comes in with the application. NOTE: It is very important to include the case manager’scontact e-mail information on the transmittal or other coversheet sent with the application.Q: Who will receive the e-mails if there is no case manager listed on the transmittal or cover sheet?A: The e-mails would then go to the e-mail address on record as shown in the agency’s profile on the eStationWeb site. This may be the agent’s upline or the writing agent.Q: Can the agency choose how often they want to receive automated e-mails?A: Yes. By going to the My Account / eMail Options section of the eStation Web site, you will be able to choosefrom the following e-mail frequency selections (See Examples #1 and #2 on page 3):• Upon Status Change• Once Daily• Once Weekly (On Thursdays)• Twice Weekly (On Mondays and Thursdays)Q: Will the agency be able to choose how many cases are contained in each e-mail?A: Yes. By going to the My Account / eMail Options section of the eStation Web site, you will be able to choosefrom the following number of cases contained in each e-mail (See Examples #1 and #2 on page 3):• 1 case• 5 cases• 10 cases• 25 casesContinued on the next pageAmerican General Life Companies, www.americangeneral.com, is the marketing name for the insurancecompanies and affiliates comprising the domestic life operations of American International Group, Inc., includingAmerican General Life Insurance Company and The United States Life Insurance Company in the City of New York.FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC