10 BASIC PLANNING INITIATIVES THAT WILL ADD TO YOUR BOTTOM LINE by Ken Buehler The need for planning has never been greater. While planning focuses on profit...

12 LOW-BUDGET MARKETING IDEAS TO BOOST YOUR BUSINESS by Emily Huling Its nearing years end, or weeks end for that matter, and your people are looking just ...

A CASH-FLOW BUDGET FOR AN INSURANCE AGENCY by Zachary Berhau Some agencies show a paper profit year in and year out. Suddenly one day, they're in financial difficulty. How can an agency makin...

A ONE-MINUTE MARKETING PLAN byPatricia Czech Whether you're planning a new Web site or your site is already up and running, here's some inside information you need t...

A QUICK AND EASY WEB MARKETING PLAN by Jack Fries Whether youre planning or upgrading your Web site, these proven principles can help. Web surfing is a fast-paced sport. ...

AGENCY INTRODUCTION Dear (Customer Name), Allow us to introduce ourselves: We are (Your Agency Name) and have been doing business in (Name of City) for over ( ) years. We are an independent ins...

ALL-RISK Dear (Customer Name): You don't know for certain which horse is going to win the Kentucky Derby, or which stock will double next month. You can never be certain about what the future will ...

If you're in sales, you can identify with this situation - about two weeks after starting a new job, you begin to doubt your decision. You detect a widening gap between what you were told to expect and what actually occurs. After only a month on the job, you conclude, 'I think I made a mistake.' You're probably right, because salespersons seem to be more prone to selecting the wrong job. Too often, their profession's tendency to stress the positive and minimize negative factors extend into their approach in choosing a job.

FRAUDBUSTERS: AUTO ARSON FRAUD INDICATORS AND INVESTIGATIVE HINTS When a claim report for an automobile fire is made, it's important to treat the claim as legitimate to avoid offending good cu...

BUDGETING: WHAT, WHY, AND HOW? by Al Diamond Most insurance agencies dont budget. They operate on the lsquo;Money-in-the-Bank or the lsquo;Sell-and-Hope-for...