the financial future of the clientsThe insurers should try to identify potential high net worth individuals. The consumer’s educational background or business prospects could be a good indicator of the person becoming a star client in future. The insurer should offer more personalized service to such clients, even if they are not very profitable at the moment. 5.9 Ask for referralsAsk customers for referrals to other potential clients. In return, offer greater personalization to customers. The insurer can also offer some sops discounts to these customers.5.10 Human InterfaceChat with agents: Consumers could be provided the facility to chat with agents during the selling processPush To Talk: ITXC’s ‘Push to talk’ integrates telephony into e-commerce sites, coordinated with browser sharing between site visitors and customer service agents. Push to Talk lets surfing customers initiate a phone call from a PC without interrupting their Internet session and establish an immediate call with the sales representative when talking to them over a traditional telephone connection. The user does this by simply using a button that is provided in the e-mail. Besides, the technology allows the call center agent to ‘push’ appropriate web pages for the client in real time. The technology could be immensely useful for providing sales force automation capabilities across the net. It's delivered as a hosted service, with minimal in-house installation and no up-front technology purchase. The Push to Talk service can be used on e-commerce Web sites, e-mail messages, banner advertisements, directory listings, or for sales lead verification and fulfillment. Push to Talk functionality can be added to a variety of e-mail marketing tools, including newsletters, announcements, personalized messages, and automated or customized customer support responses.Webex: Helps to conduct online meetings using presentation and collab...