TRUST: ITS THE BOTTOM LINE by Chris Burand Do your customers trust you - and, if so, what for? Wal-Mart is known for low prices. A very young boy was heard ...

UNDERSTANDING DIFFERENT CULTURES HELPS PREVENT FRAUD Insurance fraud isn't limited to one geographic location. In fact, the same scams appear 'all over the world, with different flavors,' an...

INFORMATION DATE 19920602 DESCRIPTION USDOL Program Highlights, 92-10 SUBJECT Voluntary Protection Programs U.S. Department of Labor Program Highlights Fact Sheet No. OSHA 92-10 VOLUNTARY PROTEC...

WHY BUSINESSES LOSE CUSTOMERS After a 40-year career as an automobile dealer, Martin Bury wrote of his experiences in the book The Automobile Dealer (Damascus Publishing, Gresham, OR). A...

WHY IS SELLING SO HARD? by Michael Lovas Actually, its not. The problem is that because many financial advisors and producers dont understand the process, they make it hard ...

X-dating is the name of the game. If you anticipate to grow; if you expect to even maintain last year's volume in this price cutting market; then you'd better believe X-dating is a must.

Expiration Date! Renewal Date! Anniversary Date! Call it whatever you wish. But without a pocket full of X-dates, you are "whistling Dixie" while some direct writer or, even worse, your fellow association contemporary, is marching off with your share of the market.

YOUR AGENCY IN 2020 by Al Diamond Youll face a variety of challenges in planning for today - and the next decade. THE PAST ...