Uncontrolled anger can make someone act out of the ordinary, even leading to criminal acts. As was done by a man with the initials DR, a resident of Bonorowo Village, Kebumen Regency. He had the heart to kill his own wife because the wife was considered unruly. The perpetrator said if the wife did not want to cook and wash clothes. Married, who carried out the activity was the husband, to make DR upset.
After killing his wife, DR drank insect poisons. Once aware, DR's spouse revealed the reason for killing his wife. Until now DR Dintarakan has been cured by Prembun Regional Hospital. He is still undergoing the examination of the Kebumen Police Criminal Investigation Unit investigator. Kebumen Police Public Relations Sub-Section Head, AKP Suparno explained that until now the DR was still undergoing an examination conducted by the Kebumen Police Criminal Investigation Unit Unit.
"The police ensnared the suspect with Article 338 of the Criminal Code subs Article 44 paragraph (3) Republic of Indonesia Law No. 23 of 2004 concerning domestic violence threat of 15 years in prison," Suparno said on Thursday (11/22/2018).
The suspect claimed to only want to give a lesson to his wife, Eni Hermawati (27). DR considers his wife does not respect him as a husband. DR admitted his anger was out of control.
"The wife died with a gaping wound caused by a suspect sickle by the suspect on Thursday (11/15/2018) early morning," Suparno said.
After killing his wife, DR drank insect poisons. Once aware, DR's spouse revealed the reason for killing his wife. Until now DR Dintarakan has been cured by Prembun Regional Hospital. He is still undergoing the examination of the Kebumen Police Criminal Investigation Unit investigator. Kebumen Police Public Relations Sub-Section Head, AKP Suparno explained that until now the DR was still undergoing an examination conducted by the Kebumen Police Criminal Investigation Unit Unit.
"The police ensnared the suspect with Article 338 of the Criminal Code subs Article 44 paragraph (3) Republic of Indonesia Law No. 23 of 2004 concerning domestic violence threat of 15 years in prison," Suparno said on Thursday (11/22/2018).
The suspect claimed to only want to give a lesson to his wife, Eni Hermawati (27). DR considers his wife does not respect him as a husband. DR admitted his anger was out of control.
"The wife died with a gaping wound caused by a suspect sickle by the suspect on Thursday (11/15/2018) early morning," Suparno said.
Source : Warasnet
Three Marketing Automation Benefits for Cross-Selling Insurance Policies
Marketing
automation has become a game changer for the insurance industry, as it
helps insurers shine the brightest in a crowded landscape. It helps
guide prospects through the buyer’s journey, providing personalised and
purposeful content delivered at optimal times along the way. Engaged
communication is a large portion of marketing automation and insurers
can additionally benefit by using the platform to cross-sell insurance
policies to existing customers.
According
to the book Marketing Metrics, the probability of selling to a new
prospect is five-20%, while the probability of selling to an existing
customer is 60-70%. This translates to the insurance industry through
cross-selling, upselling for bundle discounts and higher liability
coverage. Cross-selling policies, in particular, are key to the
insurance industry’s growth, especially for profitability and increased
customer retention. Multiple policies qualify customers for additional
discounts and lead to a stronger sense of trust in the insurance
company. When policies are promoted effectively, insurers are going
above and beyond customers’ expectations by caring for their future
insurance needs.
Cross-sell the right policies to the right customers
It’s
the responsibility of the insurer to address future insurance needs to
the appropriate customers, including for policy cross-promotion. For
example, if insurers are selling personal lines of insurance, a growing
family will have different policy needs than a retired couple. Customers
value policies that are relevant to them at their current stage of
life, rather than ones that they have no need for.
Similarly,
knowledge is power. It is essential to know whether existing customers
already have policies that you’re cross-selling - otherwise, you’re at
risk of losing credibility and the trust of your customer.
Marketing
automation and its database of your existing customers helps segment
and determine what policies are most relevant to which customers.
Delivering the right cross-sell, to the right policyholder, at the right
time shines a positive light on you as the customer’s insurer, because
you’re recognising the subtle - but big - difference in promoting, say, a
homeowner’s policy vs. renter insurance.
Lead management helps shorten the conversion cycle
Tighter
alignment between marketing and sales ensures greater success in
galvanising more policies in a shorter amount of time. This is an
indication of lead management, which integrates a Customer Relationship
Management (CRM) platform with the marketing automation tool.
Marketing
automation alone helps sell 10% more policies per household, and lead
management is number one at 13% more policies per household. Insurers
nurture their customers along the cross-buying journey with marketing
automation by addressing which additional policies are best suited for
their circumstances and why. For top and steady results, insurers then
employ lead management for warm leads that progress into sales. When
you’re able to recognise the warm leads (engaged customers that express
interest) through behavioural analytics, you can help navigate them
promptly through the buyer’s journey.
Use content marketing to trigger automated campaigns
Take
advantage of your content marketing by setting up triggers for
automated cross-promotion campaigns. For example, if customers clicked
on a link about life insurance in last week’s enewsletter, a drip
campaign about the importance of life insurance and how to choose the
right policy starts appearing in their inbox. Alternatively, host a
webinar about whether an umbrella policy is right for someone and
segment your existing customers to receive a separate campaign once they
register, which is tailored around bundles and can apply pre-collected
data for further personalisation. When your customers are gathering
information on your website beyond the policies they already have, they
are probably curious about what else is out there. Marketers will then
be able to deliver relevant emails based on the information from their
browsing history.
These
automated campaigns can even be as simple as one that begins 90 days
before customers’ policy renewal dates: the optimal time for them to
review their current policy and see if any changes need to be made.
However, this can also be seen as your opportunity to learn more about
their evolving circumstances. This helps your database stay updated and
helps you, as their insurer, understand which policies are most relevant
for their needs.
Marketing
automation, combined with CRM integration to equal lead management,
gives insurance groups of all types and sizes the behavioural analytics
and stored data they need to effectively cross-sell policies. The
introductory promotion of an additional policy can help or hinder the
existing customer relationship - it can be viewed as a self-serving sale
sent to everyone on an email list, or it can reflect that you are
meeting your customers where they’re at in their lives, looking out for
their best interests, and anticipating their future insurance needs.
