THANK YOU - SOLICIT WORKERS COMP THANK YOU! Dear (Customer Name), We don't often take the time to say thank you to our customers, but we wanted to let you know we apprecia...

HOMEOWNERS QUESTIONNAIRE by Jack Fries Have your producers use this questionnaire from Jack Fries to garner needed information from Homeowners prospects: HOMEOWNERS I...

10 TIPS FOR RENEWAL RETENTION by Ken Buehler Much has been said and written about the costs of acquiring new business. These costs are so high that it's essential to retain t...

100 EASY WAYS TO BEGIN A SALES LETTER (Part Four) by Herschell Gordon Lewis 76. Quick: What if. . . We're really in the provocative neighborhood with this one, which hurls down an irresistible ga...

100 EASY WAYS TO BEGIN A SALES LETTER (PART 1) by Herschell Gordon Lewis Every writer knows the one great truth of direct response letter writing. At the moment reading begins, you're ...

100 EASY WAYS TO BEGIN A SALES LETTER (Part Three) by Herschell Gordon Lewis The number of ways to begin a sales letter is infinite. However, the key lies in understanding what separates a g...

100 EASY WAYS TO BEGIN A SALES LETTER (PART TWO) by Herschell Gordon Lewis A warning probably is in order as we round the halfway point in this (interminable?) series of articles: Don...

Historically, a hard market is part of the cyclical nature of the insurance industry. At one time, these cycles occurred fairly consistently at about seven year intervals. However, the last significant hard market came in the mid-80s.

A hard market is characterized by increasing rates and/or reduced industry capacity, which leads to affordability and/or availability problems. In addition, both underwriting and claims adjusting usually become more stringent. In the current marketplace, these conditions are exacerbated by increased uncertainty about such loss exposures as terrorism, mold, etc., and by a reinsurance market significantly strained by the events of September 11.

Despite fax, e-mail, and Web site marketing, direct mail remains one of the most effective methods for conveying your company’s message to prospective clients. John Graham provides tips for making your direct mail efforts as powerful as possible in this document.

401(K) PLAN Dear (Customer Name): 'The golden years' - that's how we'd all like to describe retirement, but very few actually can say retirement is golden. Americans are living longer and retiri...