The National Association of Insurance Commissioners (NAIC) spent almost five years developing the Model Illustration Regulations currently in use - in one form or another - in most states. The regulations were developed to help the consumer have a better understanding of how Life insurance policies worked, as well as to better differentiate between guaranteed and non-guaranteed elements of a Life insurance policy.

UNIVERSAL LIFE INSURANCE: MODULE V-E OVERVIEW Universal Life was created in the early 1980s at a time when high interest rates prevailed. Although the high intere...

It's amazing to think that the first commercial radio station didn't go on the air until 1920 -- KDKA in Pittsburgh for trivia buffs. From that modest beginning, radio has grown to be a ubiquitous presence in our lives.

It wakes you up in the morning and gives you the news. You get in the car, and you probably turn on the radio. It goes to the beach, the ballpark, and the office. It gives everything from "heavy metal" to talk shows to Bach.

UNLEASHING THE POWER OF CUSTOMER CARE by JoAnna Brandi Do we know who our customers really are? Do we know why they really buy from us? Do we know what their needs and desires are? Do...

Navigating the volatile landscape of entrepreneurship demands a robust financial strategy. Traditional bank loans have long been the go-to for many businesses in need of capital. However, stringent qualifications, long waiting periods, and the need for collateral often make them inaccessible for most small and mid-sized businesses. Enter cash advances. Not to be confused with payday loans, cash advances can be a vital lifeline for businesses searching for flexible, quick, and uncomplicated ways to finance growth.

UNNECESSARY EXPENSES ARE COSTING YOUR AGENCY PROFIT DOLLARS by Jack Fries Jack Fries realizes the many reasons that your income might be leveling off or falling decreased com...

UPDATE ON AGENCY VALUATION By Carol Hammes We have lost count of the number of telephone calls that we have received recently asking us what the going rate is for the sale of an insurance agency. ...

UPGRADE-TOTAL ACCOUNT REVIEW Dear (Customer Name): When we first wrote your Auto insurance policy, we custom-tailored the coverages to fit your needs at that time. We helped you choose coverages...

Dear (Customer Name): You've always trusted my advice because I've worked with you.

USE BUSINESS ENVELOPES FOR DIRECT MAIL The next time your agency orders its business envelopes, why not use the backside of the envelope for direct-mail appeals? Here's one sugg...