“Our civilization and generations have evolved through the sharing of ideas and the implementation of various practices, and not by those who have kept knowledge for themselves, trapped by the need to favor only their own personal effectiveness.
Knowledge is the only thing that when shared, is multiplied.”

Kyriakos Chatzistefanou

Kyriakos Chatzistefanou’s book is based on his experience, through a 30-year career in the Insurance industry.

The book is written in a motivational, advisory and literary style, but at the same time it is a practical guide in terms of the day-to-day work practices, providing solutions regarding the process of creating Evaluated Referrals to those who find themselves deadlocked in it.

This guide aims to inspire and support young agents who are now forming their own character as insurance agents, but at the same time to stimulate more experienced colleagues with new ideas and practices and to encourage them to share their ideas, thus leaving a valuable legacy to the profession we serve.



"I, therefore, feel obliged, after 30 years of continuous service, to present experiences, opinions, practices, and methods on how a life insurance agent can have a successful career in the industry through the process of creating referrals and more specifically, evaluated referrals, as I have experienced this process over the years. I will present a series of opinions and practices for our colleagues who have been looking for a solution to this for years and who have yet to find a safe course of action."
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"It is addressed to all our colleagues who want to join the insurance industry as professional life insurance consultants. In other words, it is addressed to those who, through their daily activity, represent and express a particular working culture, their own culture, and seek to use communication as a weapon so that their working hours will be more productive. But it is also addressed to colleagues who have been active for years and have not yet found a tested method, a method that is off the beaten track, or still feel “unable” to collect referrals and struggle daily with this issue. I stress this point because I meet colleagues who, despite being in the profession for years, finding referrals has always been a great difficulty for them an obstacle that did not allow them to develop."
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At the same time, this book aims to introduce you to ways of working, if your professional success is your sole purpose, through the right, smart, reliable, consistent and organized steps that will save you time in favor of other parts of your life and will contribute to your self-improvement and productivity as a professional, because “Referrals” are the main ingredient of our development as Life Insurance Consultants.

If the profession of an Insurance Consultant truly thrills you and you want to create your dream career in it, you need to study this book’s content carefully and commit yourself to the idea of becoming a champion in your work, while maintaining a balance across all aspects of your life.














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  • Pawel Skotnicki
    When you're looking for a complete guide to a work style based on great relationships, Kyriakos gives you a holistic template for how to do it. I recommend his book and his method of being effective. You don't have to think of anything else, everything has already been explained.
    Pawel Skotnicki
  • Book Presentastion "Referrals!"
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    Dimitrios Rouchotas
    Publisher "Asfalistiki Agora"
  • "Recently on the banks of the Vaal River, I embraced the calm and got to work differently - I was hashtag#workingfromanywhere. With my fishing rods by my side, I read a thought-provoking book by my friend Kyriakos Chatzistefanou DMS, CMI, "Referrals! Is your fingerprint strong enough?" This was not just leisure, it was a masterclass in success from someone I deeply respect. Surrounded by nature, I realised that the lessons we need can find us anywhere, even here amidst the quiet ripples of the river and fish 🎣 closing in on my bait. It is amazing how a place so peaceful can spark such powerful insights into making your mark in the world. Well done Kyriakos Chatzistefanou DMS, CMI . This is a book for all advisors building a practice!" -Post in Linkedin-
    Kobus Kleyn
    Passionate Financial Planner Committed to Growing Wealth in the Rainbow Nation 🇿🇦 Centurion, Gauteng, South Africa
  • "With more than 30 years of experience, Kyriakos Chatzistefanou brilliantly shares his wealth of wisdom and expertise on how to create an endless stream of referrals in his book “Referrals! Is your Fingerprint strong enough?”  The ability to reach a wider audience is based on your ability to cultivate dedicated and raving fans. Kyriakos provides the reader with a step-by-step process on building relationships, strengthening communication, and creating loyalty. His passion to make a difference in the lives of others is the fuel that drives his personal success."
    Jennifer Borislow
    CEO Borislow Insurance - MDRT President 2012
  • "To be a successful financial advisor, we first have to become a successful prospector. We have to find the potential clients, approach them in a non aggressive way & secure an appointment. The ease of making the sale will then depend on how quickly trust develops. The key to trust - being quickly established - lies in the strength of the referral. Kiriakos Chatzistefanou is a master at the art of obtaining & doing business with quality referrals. In his book, he freely shares his secrets, how to become a master at the art of prospecting. Read the book, follow his advice & prospecting will become easy."
    Tony Gordon
    Past President MDRT
  • "As financial professionals, we change people’s lives. The more people we see, the more we can help, and the most effective way to do that is through referrals. In this excellent book, Kyriakos guides us through the very best ways to grow our businesses and do so much more for the clients we are privileged to serve."
    Sandro Forte, FCII, FPFS, FPSA.
    CEO, Forte Financial Group
  • "Referrals , the  book written by Kyriakos Chatzistefanou is a must read for all financial service professionals . He has created a Manuel for guaranteed success .It has always been my belief that  our business is built on 2 Pillars: 1) PROSPECTING 2) EVERYTHING ELSE !"
    Joseph Jordan
    Author, global speaker, behavioral finance expert

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