“How Much is Enough?”

When offering Payment Protection, many times you hear the objection, “I have enough”. The challenge becomes “How Much is Enough” as well as what type of protection whether life or disability. Generally, this is a “canned objection response” from many customers who may not want to hear about how valuable PPI could be for them. We can’t answer this objection …

“Used Car Financing – Consistent Selling Practices”

Will we ever see used car prices go down? Experts say they may drop some, but not to what used cars used to be. The car market has changed drastically as manufacturers are scrambling to keep up with new-car demand. They have prioritized trucks, SUVs and luxury models. Many automakers have even discontinued “affordable entry-level” models and sedans. They are …

“October, the Month for Missouri Accidents”

It doesn’t matter where you live in Missouri. Whether you live in a large metropolitan city or in a rural area, no one is immune to risk. Below are some of the Missouri statistics that have resulted in death or disability. Consider discussing some of these statistics when your customer rejects the opportunity to invest in Payment Protection. These are …

“An Investment in the Future”

Most customers have no difficulty understanding the importance of building a nest egg or investing in their future. Why do many of them not protect their loan with Payment Protection? The lack of this affordable financial decision may impact one of their most important future investments: themselves. Titus Maccius Plautus, a playwright (from 200s-100s BC) said, “You have to spend …

“Pay It Forward”

The phrase, “Pay It Forward”, is not new. It’s been a title to a movie, talked about on social media and has been in the news. If you Google “Pay It Forward”, you’ll find this definition: “respond to a person’s kindness to oneself by being kind to someone else.” So similarly, “being kind to oneself” or “Pay it Forward” may …

“Increasing Vehicle Repair Cost”

Last month we discussed the high increase of purchasing a vehicle. Not only are new cars increasing in price, but used cars are increasing as well. In 2023, the average cost of purchasing a new vehicle is almost $48,000* and a used vehicle is reaching an all-time high of $27,000. However, as equestrians will tell you, the cheapest part of …

“Health Risks Increase in Summer”

When we think of summer, we tend to think of having “Fun in the Sun” activities. Because of longer days, vacations, hiking, biking, swimming and any activity that gets us outside, we’re doing more and taking advantage of summer weather. This is great; however, how prepared are your customers for the “health incidents” that might happen when doing these outdoor …

“Those Lazy, Hazy, Crazy Days of Summer”

According to the U.S. Travel Insurance Association, 1 in 6 Americans experiences issues during their vacation plans. These range from medical conditions, severe weather and mechanical issues. AAA warns that the majority of U.S. vehicles are at a higher-than-average risk for a breakdown. This is because older/used vehicles are twice as likely to end up stranded on the side of …

“Are Your Customers Ready for Summer?”

School is out, the weather is warm and many of your customers are ready for a little R&R; however, are they REALLY ready? For many people, vacations are planned well in advance. The location is picked, the budget is planned, the itineraries are put together, the house/dog sitter is scheduled, the passports are up to date and the new summer …

“Sticking to a Vehicle Budget”

In April we discussed “T.M.I”, (or too much information). Knowing your VSC product will allow you to match the features of the CU Certified VSC to your members’ needs. However, it’s possible to “oversell” and confuse your member with too much information. You can tell if you’re giving too much information and your member is losing interest when they don’t …