You're working with a client on a tight budget. How do you find the right coverage for them?

Cuando trabajas con un cliente con un presupuesto ajustado, lo más importante es conocer su situación personal y escuchar sus inquietudes. Mostrar un interés genuino puede marcar la diferencia, no solo para ajustar la cobertura, sino para que el cliente confíe en que estarás a su lado en todo momento. No solo te preocupas por ayudarle a contratar el seguro, sino que también estarás ahí para guiarle y gestionar su siniestro si lo necesita. Esa atención personalizada y compromiso hace que el cliente valore tu opción, no solo por el precio, sino por la confianza y seguridad que ofreces.

Assessing your insurance needs starts with a clear understanding of your lifestyle, assets, and potential risks. This step ensures you get coverage that truly fits your situation. For example, auto insurance is a must for car owners, but adjusting the deductible can help manage premiums. Similarly, health insurance is essential, but selecting a plan with a smaller network or higher co-pays can make it more budget-friendly. The goal is striking a balance—adequate protection without overstretching your finances.

You have to understand the person in front of you. Their needs, their values, their personal finance situation, and their appetite for risk. Knowing this allows you to move them into what is best for your client.

L’objectif est d’adapter votre assurance à vos besoins réels sans surpayer pour des protections inutiles. Cette évaluation vous aide à optimiser votre couverture tout en respectant votre budget. Comme le dit Suze Orman, "Il vaut mieux avoir une protection dont on n'a pas besoin que d'avoir besoin d'une protection qu'on n'a pas."

Pensez stratégiquement : augmenter la franchise peut alléger vos primes. Comme le dit Suze Orman, "L'assurance ne doit pas vous protéger des petites pertes, mais des grosses catastrophes." Ajustez votre couverture pour ce qui compte vraiment, sans surpayer pour des protections dont vous n’avez pas besoin.

En priorisant ainsi, vous garantissez que vous êtes couvert pour les risques les plus critiques en premier, tout en évitant de vous surcharger avec des primes pour des assurances moins nécessaires. Comme le dit Dave Ramsey, "L'assurance est comme un parapluie : vous n'en avez peut-être pas besoin maintenant, mais quand il pleut, vous serez content de l'avoir."

Warren Buffett dit souvent : "Mieux vaut prévenir que guérir." Ne laissez rien au hasard : protégez vos bases d’abord, et ajustez le reste selon vos besoins et votre situation financière.

Once needs are assessed, prioritize essential coverages that protect the most vulnerable aspects of the client’s assets or operations. It’s crucial to ensure that the client isn’t underinsured in critical areas like liability or property damage, even if budget constraints limit more comprehensive options.

Quando as necessidades de uma empresa estão claras, o próximo passo é saber priorizar. Nem toda cobertura tem o mesmo peso, e o foco deve estar onde o impacto é maior. No caso das PMEs, a proteção da vida digital merece atenção especial, pois é essencial para a continuidade dos negócios e para a segurança dos dados. Coberturas que protegem contra-ataques cibernéticos e perdas de dados devem ser priorizadas, já que protegem o que há de mais valioso: a segurança digital e financeira da empresa.

Prioritizing insurance coverage is about aligning protection with your biggest risks. Health insurance usually tops the list because medical emergencies can be financially crippling. Next comes property and liability insurance to safeguard your assets and shield your savings from lawsuits or damage. By ranking your coverage needs, you can focus your budget on the essentials first, adjusting lower-priority policies as needed. This strategic approach ensures you’re protected where it matters most.

When shopping for insurance, customers shouldn't focus solely on the premium. Instead, they should thoroughly review all the coverages offered, assess the quality of customer service, and consider the insurer's brand reputation. Taking these factors into account will help ensure a better overall experience, especially when it comes to handling claims.

N'hésitez pas à poser des questions sur les rabais auxquels vous pourriez être admissible, tels que les réductions pour regrouper plusieurs polices ou pour avoir un bon historique de conduite. Cette démarche vous permettra non seulement de trouver une police qui correspond à vos besoins, mais aussi de bénéficier des meilleures conditions financières. Comme l'a dit Benjamin Franklin, "Un sou économisé est un sou gagné." En effectuant cette recherche méticuleuse, vous optimisez votre couverture tout en respectant votre budget.

As an insurance broker, you have access to a wealth of products from various carriers. You don’t want to focus on too many options because then you are confusing your client. I think if you focus on 5 different carriers, you have are doing your duty by providing various options. You then establish which carrier is the lowest cost for the risk and start to adjust the plan further. Present the value adds as each carrier has their own specific set of perks and each person may value them differently. It’s not always about cost but cost is still a key factor. Do your job as a broker by comparing various options, securing the lowest rate and then adjusting the policy to meet the needs of the client.

AI-powered platforms can help identify multiple options across insurers, comparing premiums, coverage levels, and conditions more efficiently than manual processes. By analyzing historical claims data, AI tools can suggest coverage that aligns with both the client’s risk profile and their budget constraints.

Researching insurance options thoroughly is essential to securing the best coverage. Compare multiple providers, request quotes for different coverage levels, and explore potential discounts like bundling or safe driving incentives. While affordability matters, don’t overlook the importance of a provider’s reputation—strong customer service and reliable claims handling are just as critical. Taking the time to research ensures you get both value and peace of mind.

Comme le dit Tony Robbins : "Là où l’attention va, l’énergie circule." En concentrant vos efforts sur les couvertures cruciales et en modifiant les éléments moins prioritaires, vous optimiserez votre assurance sans vous ruiner.

Tailor a plan that fits the client’s specific circumstances. Insurtech solutions often offer modular insurance packages, allowing clients to choose what works best for them. AI tools can suggest adjustments, such as higher deductibles or opting for usage-based coverage, to lower premiums while still maintaining essential protection.

Personalizar o seguro ao seu orçamento sem abrir mão de uma proteção adequada é essencial. No plano de proteção da vida digital para PMEs da Bluecyber, por exemplo, você pode adaptar a cobertura conforme a realidade da sua empresa, ajustando o número de funcionários protegidos e o limite de cobertura desejado. Pequenas modificações, como ajustar as franquias ou revisar coberturas adicionais, permitem que você otimize o plano de acordo com seu orçamento, garantindo uma proteção robusta e personalizada.

Customizing an insurance plan is all about balancing affordability with adequate protection. Adjusting deductibles is a smart way to lower premiums, but only if you’re prepared to cover the higher out-of-pocket cost during a claim. Evaluate optional coverages carefully—some may be worth the extra cost, while others might not be essential for your situation. Tailoring your plan ensures you’re protected where it matters most without stretching your budget too thin.

Real-time monitoring of spending can help ensure that clients stay within their budget. AI can offer predictive insights, warning when costs are likely to increase due to changes in risk, and suggest proactive adjustments like altering coverage or switching providers before renewal.

Manter o controle sobre os gastos com seguros é crucial para a sustentabilidade do seu planejamento financeiro. Rever regularmente os prêmios e ajustar o que for necessário ajuda a equilibrar as despesas sem comprometer sua proteção. O seguro é um investimento em segurança, e não deve se transformar em uma carga financeira.

Insurance needs and financial situations evolve, so regular reviews are critical. AI tools can track changes in the client’s business or personal life (e.g., new assets, expansion, or lifestyle changes) and recommend adjustments. This not only keeps the coverage relevant but also ensures it remains cost-effective as new products or better rates emerge.

Often, once a purchase is made, it's easy to forget about it. However, this can lead to a gradual increase in the premium, which could have been avoided with regular reviews. Due to this, one would start missing out on discounts, offers, and new products on the market. Review regularly, which would help get better coverages and premiums based on the need.