Successful Telephone Techniques

Smart calls. Smart selling. Successful Telephone Techniques Scripts to make telephone marketing easy and effective > Cold Calling Basics & Checklist > 6 Steps to a Great Script > 7 tips for Successful Networking > Handle Every Objection with Success > Getting to the Right Person > Cold Calling Scripts > Objection Response Scripts

SUCCESSFUL TELEPHONE TECHNIQUES 2 Table of Contents telemarketing basics Cold Calling Basics Steps to take before you call... 3 Cold Calling Checklist Everything you need to get down to business... 4 6 Steps to a Great Cold Call Script Developing a script to help you succeed... 5 7 Tips for Successful Networking Gaining contacts and confidence.... 6 6 Steps for Handling an Objection Easy tips turn concerns into closes... 7 Handle Every Objection with Success! Learn how to turn a NO into a YES.... 8 Objection Scenarios Working through basic objections... 9 cold calling scripts Getting through the Gatekeeper... 10 If you're calling at the Wrong Time............................................................ 11 If you reach the Wrong Person... 11 When you reach the Decision Maker... 12 Additional selling points Setting an appointment Calling from a Referral.... 13 Following up on a Mailing... 13 Staff response to In-Bound Call... 14 Returning a Phone Inquiry... 14 objection response scripts Happy with current plan... 15 Where did you get my name?... 15 Not interested.... 16 Call back another time... 16 Already have a broker.... 16 Just renewed plan... 17 Like current carrier..... 17 Had plan for years and happy... 18 Send a brochure.... 19 Covered by employers plan.... 19 Corporate office handles benefits... 19 Don't renew until next year sometime..... 20 Benefits enrollment already taken care of..... 20 What do your plans offer?... 21 What does your agency offer?... 21

Telemarketing basics SUCCESSFUL TELEPHONE TECHNIQUES 3 Cold Calling Basics BEFORE YOU CALL A successful caller is a prepared caller. If you suit up, be ready to play and have a clear idea of the goals you're trying to achieve. Think about the issues your prospects are dealing with. Your job is to convey to your prospect why you can bring more value to their business or their family than what they're doing right now. Be SMART in developing your goals. Specific Measurable Attainable Realistic Time-bound 1. Understand who you're calling. Who is your target prospect? Ask yourself who is most likely to buy your products and services. The more specific you are in describing your ideal prospects, the more effective your call will be. Industry Position Personality Manufacturing Owner Analytical Retail Founder Social Education Manager Detail-oriented Construction Director Ambitious Professional Staff Reserved Healthcare Gatekeeper Risk-Taker Leisure Support Staff Decisive Media Independent Contractor Skeptical Technology Self-Employed Responsive Other Retired Strategic 2. Develop your goals. What is it you want to achieve? If your objective is too broad, for example, "to make a sale," you will be less likely to have a successful result. Instead, set a measurable, realistic goal to have a successful interaction with your prospect. For example you might set a goal of call-back dates and times for 10 prospects. Remember, it typically takes at least 8 "touches" with a prospect to make a sale and this could be just the first or second. Get a "mini yes" on the way to the "final yes" of "Let's do business together." 3. Write down your Value Proposition. What do you bring to this relationship that no one else does? What are your special, personal attributes that make people want to do business with you? Consider the following advantages: > Keeping promises and being trustworthy > Offering care, compassion, and kindness > Being reliable and solving problems > Going above and beyond doing things thoroughly > Being proactive, positive, constructive, and helpful > Putting the needs of your clients first > Providing professional expertise and experience

Telemarketing basics SUCCESSFUL TELEPHONE TECHNIQUES 4 Cold Calling Checklist Establish a clear objective for your call (get an email address, get them to your website, set an appointment, etc.). Selling on the phone requires the ability to enliven an anonymous communication tool. There are no handshakes, no smiles, no nods of the head just a phone. A telemarketer who "fakes it" is obvious. A telemarketer who is practiced and professional, confident in what they know and need to say, and respectful of the prospect's time and attention span is obviously not faking and will ultimately be successful. Establish your calling goals (100 dials, 25 voicemails, 25 hits with a live voice, 10 connections with Decision Makers, 5 confirmed sign-ups, etc.). Set up a simple measure on paper and keep it in front of you to check off the goals as you reach them. Review your prospect list and have plenty of numbers to call. Have water, tools, a mirror, and everything else you need. Once you start calling, don't stop! Warm up before you dial (don't warm up with a prospect). DIAL.... and smile! Greet and deliver your salutation. Get to the right person or leave a message. Leave a voicemail. Develop professional comfort immediately - establish rapport. Get permission to probe for cues that help you determine the fit between the prospect and your product. Ask questions and hold back the product presentation until the prospect is ready. Listen to the prospect and respect what he or she says even if they're faking. Resolve objections or conditions. Conclude with your objective. Thank the prospect for their time and confirm the next step (send them something, call in a week, never call again, etc.). Tally your numbers, evaluate your performance, make notes for tomorrow, and then start over the next day by making follow-up calls for those you previously confirmed and new cold calls as planned.

Telemarketing basics SUCCESSFUL TELEPHONE TECHNIQUES 5 6 Steps to a Great Cold Call Script Don't be afraid to ask the potential client to meet with you at a specific time. If you ask when it would be convenient for them, the answer is probably "never!" Instead be prepared with a date and time and ask if you may meet with them "Tuesday at 1:00 pm," which makes it harder for them to say "No." To many salespeople, cold calling is the worst part of their job. Many try to avoid it even though they know they will have to do it and get good at it to succeed in their business. One of the things that can make cold calling tough is that most sales people don't have a plan and a great script when they start out. These tips give you the basics on how to develop a script that will get attention and help you make sales. The key to making cold calling work is to develop an effective script that focuses on the customer. 1. Think about your experience in sales and how you feel about cold calling. 2. Take a few minutes to type out your current cold calling script. 3. Use a blue highlighter to identify the portions of the script that talk about YOU or your products. Now use a yellow highlighter to identify the portions of the script that focus on THE CUSTOMER and their needs. 4. Before you write your new script, make a list of the top three things your client cares most about. Remember, they care about themselves, not so much about you or your products. 5. Your script should answer these 3 key questions: > Who are you? (short and sweet) An effective script for cold calling, focused on the customer, should achieve five things: 1. Get the person's attention. 2. Identify you, your company, and your reason for calling. 3. Ask questions. 4. Allow the potential client to respond. 5. Set an appointment. > Why are you calling? Prospects don't want to be sold. If you're calling to tell them about your new product and its features, you'll lose them. > What's in it for them? Focus on how you can help them achieve their critical goals. Clearly a critical goal for everyone is to get the best value for their health insurance premium dollars. Suggest to your prospect that you can help them discover their best options. 6. Consider how much research you should do before cold calling. Can you show your prospect that you know key details about their situation and the challenges they face?

Telemarketing basics SUCCESSFUL TELEPHONE TECHNIQUES 6 7 Tips for Successful Networking No matter what your professional position is, and no matter what your career goals are, you can always benefit from networking and marketing yourself. Networking helps you build strong and meaningful professional relationships that aid you in developing your career and finding new clients. Networking online is a great way to make new contacts. Networking doesn't just happen. Just like any marketing endeavor, understanding your goals and developing a plan for action will help you establish relationships that offer many opportunities for personal and professional development. 1. Make a list of your strong points. It's important to know what your strengths are when you're marketing yourself. Think about your special skills, unique knowledge, and the experiences that other people will find valuable. 2. Network online. The Internet is a great place to make connections and can help if you're nervous about networking in person. Look for sites relevant to your industry where you can post a profile as well as general sites like LinkedIn or Facebook. Consider starting your own blog to broadcast your expertise. 3. Make a target list of organizations and events for networking. Identify organizations that might be helpful in building your career and business contacts. Go online or call them to see what events they have coming up that you might attend. You can also ask your boss, mentor, or colleagues which organizations they have found most valuable to participate in. 4. Create a contact database. Brainstorm all of the people you know who could be valuable contacts. Get out the business cards you have collected and enter them into a simple spreadsheet or contact management database. Call friends or colleagues and ask them if they have any contacts who might be interested in you and your business, products, or services. 5. Create an action plan with a schedule. Take your list of organizations, events, and contacts and put together an action plan for making connections. Set up a timetable for attending events or making phone calls to people to establish relationships. 6. Brand yourself. Start thinking of yourself as a "brand." What is your Unique Selling Proposition? What unique benefit do you offer that would make people be interested in you? Your list of strong points is a good place to start. 7. Make yourself visible. Let people know what you have to offer. Write an article for a professional publication or the local newspaper. Volunteer to give a talk at a professional organization you belong to. Be visible as an expert in your field and contacts will start to come to you.

Telemarketing basics SUCCESSFUL TELEPHONE TECHNIQUES 7 6 Steps for Handling an Objection These easy steps will help you identify and address your prospect's objections. Objections are in every interaction every sales call and are essential to the sales cycle. When your prospect raises an objection, it's a good sign. When they tell you what their concern is, it gives you a chance to resolve it. When someone offers no objections, it can mean they aren't interested. Once you understand a prospect's objection, you are ready to answer it. 1. Listen to the objection. Don't jump in as soon as the prospect gives you the objection. As in every relationship, listening is often more important than talking. Give the prospect a chance to explain exactly what he or she is concerned about. Practice active listening, using your voice to show that you are really hearing the objection. You will also pick up valuable clues about elements that are important when attempting to close the sale from the way a prospect phrases an objection. 2. Restate the objection back to the prospect. When you're sure the prospect is finished talking (don't interrupt!), repeat back the basics of the objection. You might say something like, "I hear you saying that you're concerned that another plan might not have all of the benefits you currently have." This shows you were listening and gives the prospect a chance to clarify his or her concerns as in, "Not just that, but I'm afraid that my family will be unhappy if we switch to another plan." 3. Explore the reasoning behind the objection. Sometimes an objection is just the tip of the iceberg and not really the prospect's main concern. For example, he may not want to say that he is looking to cut benefits in order to save money because his family is struggling but, instead, may give you an entirely different objection. Before you begin to address an objection, try to ask some questions to get at the real reasoning behind it. You might say something like, "Many of my clients are facing challenges in this tough economy. Are you concerned with trying to reduce costs too?" 4. Answer the objection. Once you understand the prospect's objection, you are ready to answer it. Most objections come from fear, so your job at this point is to alleviate their fears. Using stories from current clients or hard facts like statistics can make your response stronger. 5. Check in with the prospect. Take a pause in your presentation to make sure that you've fully addressed their concern. You may believe your answer was satisfactory, but you may have missed their real concern. This can usually be achieved by simply asking, "Does that make sense?" or "Have I addressed your concern?" 6. Get back in the flow of your presentation. If an objection is raised in the middle of your pitch don't let it put you off your game. Listen, address it, and promptly redirect the conversation back to the flow of your presentation.

Telemarketing basics SUCCESSFUL TELEPHONE TECHNIQUES 8 Handle Every Objection with Success! You can set the course for a quality conversation quickly by asking a few meaningful questions. You'll have an idea in just a couple of minutes if you are welcome by the prospect to share your information or if you should embark upon finding another time that would be more effective. Here's one example: No one likes a telemarketer who jumps right into a presentation. Instead, the goal should be to get your prospect to really listen to you. This won't come from fancy sales work, but from a real dialogue both you and the prospect are engaged in. PROSPECT I'm happy with what I'm doing right now, thanks for calling. SALESPERSON If I could show you a way to improve what you're doing now, could you give up a couple of minutes of your time? Objections are important and the best sales people are always prepared with spot-on responses. Turning a "NO" into a "YES" works best when you turn a "NO" into one or more "MAYBEs" first. A high-quality "YES" can't be rushed. Your primary job as a salesperson is to offer solutions after getting permission from the prospect to share them. PROSPECT A couple minutes? Sure. Notice that the prospect said they don't want to talk to you, but are also not rushing to hang up. (Don't jump right into your presentation) SALESPERSON I've saved my clients money, aggravation, and time about 90% of the time. The other 10%, I've helped confirm they have the best available program on the market that meets their needs. If I could ask just a couple of questions, I can see if I think I can be helpful. If not, I'll say so right away and not waste your time. Can I ask you just a few questions? PROSPECT Ok, sure. or Not right now, can you call back?

Telemarketing basics SUCCESSFUL TELEPHONE TECHNIQUES 9 Objection Scenarios They DON'T HAVE COVERAGE. DECISION MAKER I don't offer coverage. SALESPERSON SHOW THEM the value IN YOUR PRODUCTS. Oh, I see. Well, if it's something you're considering, I'd sure like a chance to show you the services that I provide to my clients. It's a serious decision and we can all use a second expert opinion at times. THEY DON'T HAVE A BROKER. DECISION MAKER I don't have a broker. SALESPERSON SHOW THEM the value IN HAVING ONE. Oh, I see. I've heard that before for sure and sometimes when someone hears how the value of having a broker beats not having one, they give it a shot. I'd sure like a chance to show you my stuff at some point. I'd love to help you with your next renewal. (assumptive statement to provoke) DECISION MAKER THEY HAVE A BROKER/BUY ONLINE. SHOW THEM the value in you. I get everything online. SALESPERSON I totally understand. I do as much as I can online these days too; we all do. I'm sure any product you find online will offer you a customer service number for questions. But if you have the need to call and you want to get a second opinion or suggestions, I can get answers for you quickly because I'll understand what you need.

Cold calling basics SUCCESSFUL TELEPHONE TECHNIQUES 10 Getting Through the Gatekeeper The Gatekeeper's job is to let those people through who the prospect wants to hear from. Prospects always want to hear something good, but put up barriers to protect their time. Remember it can be done. START THE CONVERSATION WITH A FRIENDLY GREETING 1. Hello, may I speak with [Decision Maker]? 2. Hello, [your name] calling for [Decision Maker]. Be sure to enunciate clearly and with a good cadence. IF THEY SAY Who are you? What's this about? YOU CAN SAY I'm [your name] and I'm calling about improving [Decision Maker] health benefits at a lower cost. IF THEY SAY Is he expecting your call? I'm sure he has never heard of me, but may be familiar with our firm [company name]. We specialize in helping individuals and families reduce benefits costs while expanding options. IF THEY SAY I'm sorry, he's not available. Is there another time I could call to reach him? Or if you like I could send an email with more information on how I can help reduce insurance costs while expanding options. Would you mind giving me his email address? IF THEY SAY He's out. Would you like to leave a voicemail? If you leave a voicemail, it's important it be spot-on to grab the person when the message is played back. You may want to leave your name at the end (instead of the beginning), because if the person does not recognize your name, he or she may not listen to the whole message. Yes I would. Thank you. (after beep) I would like to show you how to improve your benefits while reducing costs. I can offer you a free evaluation of your current health, dental and vision benefits and get you a simple and clear proposal on how you can save money. My name is [your name] and I can be reached at [phone number]. I will check back in a few days about getting your free evaluation moving.

Cold calling scripts SUCCESSFUL TELEPHONE TECHNIQUES 11 If You're Calling at the Wrong Time Just because someone doesn't have time to talk to you right now, doesn't mean they aren't interested. Be respectful of their schedule and ask them for a time that would be more convenient for them. DON'T try to force them into a conversation at that moment. TRY AND SCHEDULE A FIRM TIME FOR ANOTHER CALL I totally understand. Is there a better time for me to call so we could discuss how to improve your coverage and reduce your costs? (pause for answer) Thank you for your time. If You Reach the Wrong Person Getting to the Decision Maker may take a few wrong numbers. It's often a blessing in disguise to get to the Wrong Person. They can be very helpful and will often give you information about your prospect what they are responsible for, an email, even the best time to call. ATTEMPT TO GET THE NAME OF THE DECISION MAKER Hello. I'm calling from [your company name]. I'd like to show you how you can improve your current health insurance program and reduce costs. May I speak with the person who makes insurance decisions? YOU CAN SAY IF THEY SAY I don't handle that. I'm sorry. Maybe you can help, in fact, I'm sure you can. Can you tell me who handles these matters? If they aren't available, maybe I could send them an email to see if it's something they would be interested in. Would you mind giving me their email address? IF THEY SAY Why are you calling me? I'm sorry to take time out of your day. Would it be possible for you to leave a message for the person who handles insurance decisions? IF THEY SAY Who gave you my name? I apologize. This was the contact number I was given for [Decision Maker]. Would you be able to tell me who I should contact?

Cold calling scripts SUCCESSFUL TELEPHONE TECHNIQUES 12 When You Reach the Decision Maker When you get to the Decision Maker it's crucial to decrease the anonymity of the situation to create some comfort. The Decision Maker will most likely have their defenses up and it's your job to open them up. They will compare what you SAY to what they KNOW. You goal is to contrast what you SAY with what they COMPARE. USE OPEN-ENDED QUESTIONS TO GET THEM TO SHARE IMPORTANT INFORMATION WITH YOU. I would like to introduce you to ways to improve your insurance and potentially reduce costs. Who is your current carrier? (pause for answer) Our firm specializes in serving individuals and families looking to maximize their healthcare and other insurance premium dollars. We offer plans from the leading health insurance companies in California with many different plan designs to choose from. I can offer you a quick evaluation of your current health, dental, vision and other insurance and get you a simple and clear proposal on how to improve your coverage at a lower cost. Does that sound like something you would be interested in? SETTING AN APPOINTMENT. I would love to meet with you to give you some GREAT ideas on how to improve your insurance coverage. What day works best for you?

Cold calling scripts SUCCESSFUL TELEPHONE TECHNIQUES 13 Calling From a Referral Making a warm call from a referral is one of the most effective ways to capture the attention of the Decision Maker. Be sure to say the person who referred you felt they would be interested in what you have to offer. If it is a client of yours, mention that they referred you because they have used your services very successfully in their business. MENTION WHO REFERRED YOU AND WHY Hello [Decision Maker name]. I'm [your name] calling at the suggestion of [referring person's name]. He (she) suggested I contact you because they thought you would be interested in learning how you can improve your current health insurance and reduce your costs. Following Up on a Mailing Don't make the mistake of relying solely on a mailing to get a response from your prospect. Some marketing experts say that following up your mailing with a phone call can boost your response by up to 30%. FOLLOWING UP ON A MAILING IS A GREAT ICE-BREAKER Hello. I'm [your name] calling from [your company name]. I'm calling as a follow-up to a mailing a few days ago to your office (or home). We sent you information about how we can improve your current health insurance program and control your costs. YOU CAN SAY IF THEY SAY Yes, I remember the mailing. Great! Our firm specializes in serving individuals and families like yours that want to enhance insurance coverage without increasing costs. I would love the opportunity to do a free evaluation of your current protection and give you a simple and clear proposal on how to reduce your costs. IF THEY SAY I'm sorry I don't remember receiving the mailing. No problem. If you wouldn't mind giving me your email address I can send you the information right now and then give you a call back tomorrow to discuss it.

Cold calling scripts SUCCESSFUL TELEPHONE TECHNIQUES 14 Staff Response to In-Bound Call Educating your staff on how to capture a lead from an in-bound call can be crucial to your business. Don't just assume they will know the information you want to get and how they should greet your callers. Also cover how your staff should handle a call when you are out of the office or unavailable. ANSWER EVERY CALL WITH A SMILE! Hello. Thank you for calling [your company name]. How may I help you? Ms./Mr. [your name] is assisting a client right now. If I can take your name and phone number I will make sure that Ms./Mr. [your name] gets back to you right away. When would be the best time for her {him} to call? If you would like to give me your email address, I can email you some information right away that you can look over. Is there a particular type of protection that you are interested in? Thank you. I'll send the information out right away and Ms./Mr. [your name] will follow-up with a call. Returning a Phone Inquiry Make it a rule to return every prospect call on the same day. This will set an example for the kind of service you provide to your clients. THEY'RE INTERESTED! GET INFORMATION TO HELP CLOSE Hello. This is [your name] calling from [your company name]. I'm returning your call from earlier today. I believe you called about improving your current health insurance program? Who is your current insurance company? Do you know your renewal date? Our firm specializes in serving individuals and families like yours that want to enhance coverage without increasing costs. I would love the opportunity to do a free evaluation of your current coverage and give you a simple and clear proposal on how to reduce your costs.

Objection response scripts SUCCESSFUL TELEPHONE TECHNIQUES 15 When a a prospect says says..... I'm happy with my current plan. The challenge we find most often is that someone may be dissatisfied no matter how good their current plan is. We would like to introduce you to ways to improve your coverage using everything that is available to you and your family in a way that lets you set a budget that works for you and at the same time, offer increased choices. If I could meet with you, I can provide you with a quick assessment to make sure you're getting everything you need from your current plan and carrier. What day works best for you? Where did you get my name? [your company name] looks for individuals and families we believe might be interested in enhancing their coverage while reducing their costs. We believe we can offer you some great options to improve coverage for your loved ones. I'd love to show you some of the cost-saving options I'm talking about in person. What day works best for you?

Objection response scripts SUCCESSFUL TELEPHONE TECHNIQUES 16 I'm not interested. I understand. Can I ask WHY you wouldn't be interested in options that could improve your coverage and reduce your costs? Would you mind if I asked for your email address so I can send you some information about a free evaluation of your coverage. There's no obligation and I won't put you on any lists. That way you'll have the information in case you ever change your mind. I can't talk right now. Can you call me back? Absolutely. Is there a day and time that would work better for you? Is there a direct number I could reach you at? Would you mind giving me your email address so I can send you some information about a free benefit evaluation you can review when it's more convenient? We already have a broker. I would love to offer you a second opinion at NO CHARGE. You have nothing to lose to find out if the coverage you have is the best choice for your family. If you were told you needed a major surgery, you would get a second opinion, right? Doesn't it make sense to get the same for your healthcare to make sure you've got the best coverage to protect you and your loved ones?

Objection response scripts SUCCESSFUL TELEPHONE TECHNIQUES 17 We just renewed our plan. Do you believe you are getting the best price and the best service? With rate increases ranging from 11 to 30 percent annually, many individuals and families are feeling they have to control costs by limiting access to doctors or reducing benefits. I'd love to offer you a free benefits evaluation, so we can look at whether your plan offers you the best benefits at the best rates. Since I will be in your area, can we schedule a time to meet so that I can show you how I can provide choice and affordability? We like the carrier we have. I'm sure you're aware that many individuals have trouble finding or keeping doctors or hospital with specific carriers. It's a very common problem. We can show you plans that will provide more stability by offering a choice of carriers and will help you reduce costs too. If I may, I'd love to offer you a FREE evaluation that can show you where you might be able to enjoy more choice and save money for your family. Can we schedule a day and time where I can come by and show you some of these GREAT choices?

Objection response scripts SUCCESSFUL TELEPHONE TECHNIQUES 18 Just send me a brochure. I would be happy to do that. I'd also like to arrange a time to meet with you to offer you a FREE coverage evaluation that will show you all of your choices and answer your questions in a way no printed material can. Is there a day and time that works best for you? I'm covered by my employer's plan. I understand. As you probably see in the news, there are lots of changes happening in employee benefits under health reform and I might be able to show you some options that make individual or family coverage very attractive. Would it be possible to check back with you in three months to review any new options? We've had the same plan for years and we're happy with it. I understand that. But, health insurance has changed radically in the last couple of years, not to mention the last decade. With many of our clients, we find that older plans are not as effective as new designs when it comes down to pricing. I'd love to offer you a FREE benefits evaluation so you can see if there are some better choices out there for you. Is there a day and time that works best for you?

Objection response scripts SUCCESSFUL TELEPHONE TECHNIQUES 19 When a a prospect says says..... Our plan doesn't renew until next year. Terrific! Do you mind if I ask what your plan renewal date is? That way I can contact you to give you an update on new benefits and coverage options that will be available, in plenty of time to take advantage of them before your plan renewal rolls around. My employer's benefits enrollment is already taken care of. That's great! Would you mind if I emailed some information to you just in case you're ever looking to get a second opinion? If I could get an email address for the person who makes your firm's decisions, I can send over some basic information to make sure you're getting the most for your money and know about all of the moneysaving options available to you.

Objection response scripts SUCCESSFUL TELEPHONE TECHNIQUES 20 What do your plans have to offer? Our plans offer you the ability to choose the health carriers and doctors you want, while giving you control over your monthly budget. It gives you exactly what you and your loved ones want. Choice and cost control. I can also show you a couple of easy online tools you can use to shop for, compare, and buy a plan that's right for you. What can your agency offer me? IF A PROSPECT IS LOOKING FOR AN INDIVIDUAL OR FAMILY PLAN: HealthCompare can help prospects compare and buy available individual and family plan coverage. IF A PROSPECT IS LOOKING FOR A MEDICARE PLAN: Joppel by HealthCompare can help your prospects shop, compare, and enroll in the best coverage options available. [your company name] can offer you an evaluation of your current health, dental, vision and other insurance and provide you with a simple and clear proposal on how to improve your protection and lower your costs. We can provide with you options that include HMOs, PPOs and other plans. We have great choices. I can also show you a couple of easy online tools you can use to shop for, compare, and buy a plan that's right for you.

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