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External Growth With Successful Acquisitions

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EXTERNAL GROWTH WITH SUCCESSFUL ACQUISITIONS by Carol Hammes Be prepared to do an acquisition before the opportunity presents itself. INTRODUCTION Most agencies will have the opportu...

Gaps In Commercial Lines Coverages

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Dear (Customer Name), I would like to review four different areas of commercial insurance with you. First, you are aware of the tremendous rise in replacement...

Governmental Institutions - The Lawsuit Trend

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Dear (Customer Name): Have you noticed this disturbing trend? The number of lawsuits filed is increasing and the amount of the awards being offered is...

Health Insurance

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HEALTH INSURANCE Dear (Customer Name), ISN'T IT TIME TO REVIEW YOUR HEALTH PROGRAM? We have a responsibility to keep our policyholders informed about the many ways in which we can serve ...

Hints From Hales: What Is In A Business Plan?

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Question: The loan officer asked me for a business plan. What should it include? Answer: The lender uses your...

How Do Companies Set Their Rates?

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HOW DO COMPANIES SET THEIR RATES? by Chris Burand The market determines the price of gasoline, toys, and cars. The market, not actuaries, determines the price of insurance, too. Chris B...

How To Evaluate And Pay Csrs

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HOW TO EVALUATE AND PAY CSRs By Bill Schoeffler and Catherine Oak The value of a great customer service representative (CSR) can't be underestimated-just ask any agency owner ...

If I Were Marketing Manager For A Day 1

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IF I WERE MARKETING MANAGER FOR A DAY by Janis Williamson, CPCU, CPIW The role of the marketing manager is quite different than it has ever been before because the marketplace is li...

Insurance Review Offer

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INSURANCE REVIEW OFFER Dear (Customer Name): How long has it been since you had your Homeowners, Life, and Auto insurance reviewed? Every day someone suffers a loss and dis...

Laptop Travel Tips

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LAPTOPTRAVEL TIPS by Jack Fries ('...

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