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Personal Lines

Outdated Insurance

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CMEditor
Dear (Customer Name): It's frightening how quickly things change. Take your insurance policy. You may have signed it yesterday, but it could already be outdated. New legislation...

Though faced with the realities of dramatic economic change, the reconfiguration of the business landscape, and globalization, U.S. companies continue to go down the wrong path. Former U.S. Treasury Department official Michael Jacobs calls it "business myopia."

It may be argued that "enhancing shareholder value" drives the myopic vision of publicly-traded companies, but "shareholder demand" is perhaps more accurate. In privately held companies, myopic thinking results from a desire to increase market share or simply beat last month's figures.

Personal Homeowners Proposal

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CMEditor
PERSONAL HOMEOWNERS PROPOSAL by Jack Fries For: ...

Personal Lines Profit: There's More Than One Way To Do It

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CMEditor
It seems that everyone has a strong opinion on profit potential in personal lines. The larger agencies with most of...

Personal Planning: Distinguishing Reality From Interpretation

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CMEditor
Two major problems for insurance sales professionals are the limitations of their own mind-set and the lack of definition.

Premises Liability When The Neighborhood Comes Over The Play

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ErinCarlson
When you host neighborhood barbecues or invite your friends’ kids over to play in the yard, you could be responsible if someone gets hurt. Ensure you have premises liability insurance to protect your assets.

Producer Agreement

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CMEditor
AGREEMENT made and entered into this ____ day of ____________, 20__ by and between [NAME OF INSURANCE AGENCY], a [State] corporation having a principal place of business in [City, State], (hereinafter the 'Agency') and _____________ of ____________, [State] (hereinafter the 'Producer').

Prospecting Ideas For Life/Health Business

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CMEditor
Take a plain telephone-message note, check the 'please call' box, write a brief message, and send it to 100 P/C insureds for whom you don't yet write any...

Prospective Clients

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CMEditor
Dear (Customer Name): When you sit down to pay your Homeowners insurance premium, do you think about what you're paying for? Do you worry that you might be paying for more cover...

Referral Events that Produce Great Referrals

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CMEditor
A few days ago, I received a call from one of our Referral Boot Camp graduates, Greg, who was experimenting with Referral Events and not having the success he’d hoped for. Although many clients attended his events, they didn’t always bring a guest for him to meet — even though it was requested on the invitation. Greg didn’t feel that he could turn down his clients’ desire to attend his events, even though they didn’t have a guest to bring.

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