The most important benefit of setting goals isn’t achieving your goal; it’s what you do and the person you become in order to achieve your goal that’s the real benefit.
Goal setting is powerful because it provides focus. It shapes our dreams. It gives us the ability to hone in on the exact actions we need to perform to achieve everything we desire in life. Goals are great because they cause us to stretch and grow in ways that we never have before. In order to reach our goals, we must become better.
Life is designed in such a way that we look long-term and live short-term. We dream for the future and live in the present. Unfortunately, the present can produce many difficult obstacles. But setting goals provides long-term vision in our lives. We all need powerful, long-range goals to help us get past those short-term obstacles. Fortunately, the more powerful our goals are, the more we’ll be able to act on and guarantee that they will actually come to pass.
What are the key aspects to learn and remember when studying and writing our goals? Here’s a closer look at goal setting and how you can make it forceful and practical:Evaluate and reflect
The only way we can reasonably decide what we want in the future and how we’ll get there is to know where we are right now and what our current level of satisfaction is. So first, take some time to think through and write down your current situation; then ask this question on each key point: Is that OK?
The purpose of evaluation is twofold. First, it gives you an objective way to look at your accomplishments and your pursuit of the vision you have for life. Secondly, it shows you where you are so you can determine where you need to go. Evaluation gives you a baseline to work from.
Take a couple of hours this week to evaluate and reflect. See where you are and write it down so that as the months progress and you continue a regular time of evaluation and reflection, you will see just how much ground you’re gaining—and that will be exciting!Define your dreams and goals
One of the amazing things we have been given as humans is the unquenchable desire to have dreams of a better life and the ability to establish and set goals to live out those dreams. We can look deep within our hearts and dream of a better situation for ourselves and our families. We can dream of better financial, emotional, spiritual or physical lives. We have also been given the ability to not only dream, but pursue those dreams—and not just pursue them, but the cognitive ability to lay out a plan and strategies to achieve those dreams. Powerful!
What are your dreams and goals? This isn’t what you already have or what you have done, but what you want. Have you ever really sat down and thought through your life values and decided what you really want? Have you ever taken the time to truly reflect, to listen quietly to your heart, to see what dreams live within you? Your dreams are there. Everyone has them. They may live right on the surface, or they may be buried deep from years of others telling you they were foolish, but they are there.
Take time to be quiet. This is something that we don’t do enough of in this busy world of ours. We rush, rush, rush, and we’re constantly listening to noise all around us. The human heart was meant for times of quiet—to peer deep within. It is when we do this that our hearts are set free to soar and take flight on the wings of our own dreams. Schedule some quiet “dream time” this week. No other people. No cellphone. No computer. Just you, a pad, a pen and your thoughts.
Think about what really thrills you. When you are quiet, think about those things that really get your blood moving. What would you love to do, either for fun or for a living? What would you love to accomplish? What would you try if you were guaranteed to succeed? What big thoughts move your heart into a state of excitement and joy? When you answer these questions you will feel great and you will be in the “dream zone.” It is only when we get to this point that we experience what our dreams are.
Write down all of your dreams as you have them. Don’t think of any as too outlandish or foolish—remember—you’re dreaming! Let the thoughts fly and take careful record.
Now, prioritize those dreams. Which are most important? Which are most feasible? Which would you love to do the most? Put them in the order in which you will actually try to attain them. Remember, we are always moving toward action—not just dreaming.Make your goals S.M.A.R.T.
The acronym S.M.A.R.T. means Specific, Measurable, Attainable, Realistic and Time-sensitive.
Goals are no place to waffle. They are no place to be vague. Ambiguous goals produce ambiguous results. Incomplete goals produce incomplete futures.
Always set goals that are measurable. I would say “specifically measurable” to take into account our principle of being specific.
One of the detrimental things that many people do—with good intentions—is setting goals that are so high that they are unattainable.
The root word of realistic is “real.” A goal has to be something that we can reasonably make “real” or a “reality” in our lives. There are some goals that are simply not realistic. You have to be able to say, even if it is a tremendously stretching goal, that yes, indeed, it is entirely realistic—that you could make it. You may even have to say that it will take x, y and z to do it, but if those happen, then it can be done. This is in no way to say it shouldn’t be a big goal, but it must be realistic.
Every goal should have a timeframe attached to it. One of the powerful aspects of a great goal is that it has an end—a time in which you are shooting to accomplish it. As time goes by, you work on it because you don’t want to get behind, and you work diligently because you want to meet the deadline. You may even have to break down a big goal into different parts of measurement and timeframes—that is OK. Set smaller goals and work them out in their own time. A S.M.A.R.T. goal has a timeline.
When someone knows what your goals are, they hold you accountable by asking you to “give an account” of where you are in the process of achieving that goal. Accountability puts some teeth into the process. If a goal is set and only one person knows it, does it really have any power? Many times, no. A goal isn’t as powerful if you don’t have one or more people who can hold you accountable to it.
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Tags: Goal Setting
Now is a great time to think about some cross-selling ideas you can implement with your current clients and newly acquired ones.
Below are some great ideas to consider when cross-selling.
29 Ideas to Cross-Sell More Insurance to Current Clients
1) Know the Two Types
Did you know there are two distinct types of Cross Selling situations?
Prospects who already own the product - These people already bought the coverage from a competitor but you’re trying to get the business with your agency.
The key with them is repetition, collecting the x date, good follow-up and selling the benefits of your agency.
Prospects who DO NOT already own the product - These people don’t currently have the type of coverage you’re trying to sell them.
The key with them is product awareness, education, creating a need, identifying interest, and then selling.
These aren’t complete opposites, but they do require different approaches and sales tactics.
If you’re currently treating all cross-sale prospects the same, take a few moments to think about how each one requires a different approach and how you can address it best.
2) Develop an Established Cross-Selling System
It’s great if you read my articles and get a few ideas to implement here. That’s why I write the darn things.
The trouble is that most agents “think” they’re going to use a few new ideas, some of them really do, but very few make changes to the procedures and systems they use in their agency to make process improvements last.
The only way to create lasting success is to establish formal systems for processes in your agency like cross selling.
And this article is the perfect resource to help you put something like that together. Use it and do it!
You don’t have to write a manual, just make a list of what you want to do in each of the most common situations and share it with your staff.
3) Identify the Target Product(s) For Each Customer
Assuming your agency doesn’t specialize in specific lines of insurance, there are probably at least 4 different products that each of your customers could also buy from you.
And there are probably a bunch more that aren’t even relevant to each client.
Find a way to prioritize the best products to cross-sell each client and get this information front and center for your sales and customer service folks.
4) Establish a Tracking System
If your plan is to remember which products are the best cross-sale opportunities for each client, or to just always cross-sell the same one or two lines to everyone you’re not cross-selling efficiently.
Ideally, you’d be able to pull up any of your client’s accounts and see, at a glance, what products are the best cross sale opportunities for them. Having information like this top of mind when you’re looking at a client’s account will make a huge impact in how often your salespeople bring up the cross sale conversation.
In addition, it’s also great if you could pull up a list of all the clients who are prospects for each type of insurance. This is helpful for email, direct mail, or other campaigns that are oriented around awareness of your different product lines.
While we’re at it, you’re also going to need a way to keep track of X-dates for each month.
5) Handle Immediate Needs First
Be careful not to push cross-sales too hard during an initial sale.
It’s fine to plant seeds, but your prospects aren’t remotely interested in buying a second product from you until they know you can take care of the first one.
I’ve witnessed a lot of agents pushing too hard for additional lines when it’s clearly obvious the prospect only has one thing on their mind.
Respect your prospect, listen to your prospect, and put their immediate needs first.