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Islamic Insurance Sales Strategy

The document discusses insurance and takaful sales strategies. It mentions that premiums can be negotiated between 6-12 months. Sales agents pitch to friends, family, and at corporate events. Insurance penetration in the market is only 0.9% as many do not see it as providing financial security. The document outlines different company types - general, family, investment - and strategies for cross-selling other products. It notes some ethical guidelines around using images of women and avoiding misleading clients. Competitors include direct takaful companies and indirect conventional insurers expanding into Islamic windows. Training focuses on sales skills. Customer feedback suggests improving education and website usability to increase penetration.

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Nawal Muneeb
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32 views2 pages

Islamic Insurance Sales Strategy

The document discusses insurance and takaful sales strategies. It mentions that premiums can be negotiated between 6-12 months. Sales agents pitch to friends, family, and at corporate events. Insurance penetration in the market is only 0.9% as many do not see it as providing financial security. The document outlines different company types - general, family, investment - and strategies for cross-selling other products. It notes some ethical guidelines around using images of women and avoiding misleading clients. Competitors include direct takaful companies and indirect conventional insurers expanding into Islamic windows. Training focuses on sales skills. Customer feedback suggests improving education and website usability to increase penetration.

Uploaded by

Nawal Muneeb
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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Negotitation

Premium pr bt

2 alg offer 6 ki or 12

6 ki jgh 8 ki negotiation

Prices main he hotei premium or coverage or hotei hai

2. branch waly circle mai dekhty friends family ko pitch krty

Head office corporate event pr pitch krty

0.9% penetration hai insurance or takaful janrty hain market bare hai but abhi pitch nhe hoa

Financial security dery insurance nhe bechty

Log samjhty investment hai but yh security hai k 10 sal bd backend pr Koch ho

Cross selling: corporate clint health different security pitch, plant vehicle

4 company hai : genral, family ,investment

General: machinery, operational kaam, building ghar

Family: health wagera

Corporate pitch: Shariah conference card exchange . Sales waly krty. Card leky aajaty. Log ko push krty
insurance lein wo khud nhe lita. Jb usai problem hotei jb wo wapis aata.

Ethical: no ladies picture. Mous sign hoty koi bhei lady hoto. No social media picture. Negative
comments. Sales person fist sale pr 40 percent milta, misleading kr rhy hoty. Bakend pr koi msla hoa toh
hum direct khud reach krty taky msla na ho.Misleading and miscommunication. Agents problems krta
commission pr hota hai sub . Commision k chakr maim is communication ( Darul uloom korangi shariah
compliance)

Competiotor:

Direct: takaful

Salam takaful 5th pillar , dawood

Stating sai Islamic hai

ISLAMIC PR HAIN NO CONVENTIONAL

Indirect: jubilee, state life, WINDOW PR HAI

KAMAYA CONVENTIONAL HAI BUT BDMAI WINDOW PERCENPTION KI WINDOW KHOLDO. Operation
mixed .
Banka takfyl, dubai Islamic ubl,

Banks mai jb customer jaty lead banri hai wahan . bank waly apko consider krty

Market bare hai 0.9 tap krsky hain.

Financial security nhe leity

Sales waly taining pr focus hoty hain,

Inhouse training : Sales staff ko traing dei jari hotei. Company k bahr he . wo mandatory traing hai

Name: Saad

Value sellinh: loyalty program for loya; customer or premium buying in dec . Umrah ticket Hajjj ka hota
hai, usko bhei show off nhe krna. Customers ko gift deingy . is tareeky sai value selling krty.

Corpotae complete: rate compare discount

Key account: not needed. We are not not production based we are giving services. We are different
inmwechanism: need ko dekh kr pitch krty. emotional khelty , koi specific nheshariah boundary follow
krty hoay.

corporate dustry. Alternative and coprate team hai jo hr shahr k lia alg hai. Company mai individual call
kringy

VOICE OF CUSTOMER:

DUBAI ISLAMIC INPUT : Sare problem wahan alg sai miljayge. Website pr search krna hai.

Last question: no penetration, no education, unstability basic cheezo pr paisa lagaty . corporate sai chalri
inke industry. Individual customer itna nhe hota.

They focus on corporate event, banking and financial industry

Almezan apne red line pr tvc chalary.

Jis event mai sponsor hoty hain wahan sales team hotei

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