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Social Security Planning

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SOCIAL SECURITY PLANNING DO YOU KNOW HOW MUCH YOU'RE OWED? Dear (Customer Name), Like most Americans, you have access to a valuable insurance fund that provides coverage for Disab...

Medical Surveillance

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Fact Sheet No. OSHA 93-52 Lead Exposure in Construction MEDICAL SURVEILLANCE When a construction employee is occupationally exposed to lead at or above the action level of 30 ug/m(3) on any one day...

Insurance Company Ratings

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INSURANCE COMPANY RATINGS by Chris Burand Do we place too much emphasis on a carriers rating while ignoring other factors and trends that might hold significant insight into a co...

Alternative Dispute Resolution: The Latest Trends

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Claims professionals have become aware of the increasing use of Alternative Dispute Resolution (ADR) to re-solve insurance claims disputes.

About 95% of all cases are now resolved without a judge and jury. Insurance companies, once ready to battle most of their cases, are now immersed in a cost-conscious and cost-cutting business environment. Law firms also are feeling the impact of inflation and face the need of obtaining capital quickly. Clients also feel this need and press attorneys for quick action.

Producer Groups: Are They Right For Banks?

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PRODUCER GROUPS: ARE THEY RIGHT FOR BANKS? by Valerie Jordan Are producer groups an effective way for banks to build their insurance sales? Although Valerie Jordan has written this art...

Post-Employment Release Of Employment Information

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POST-EMPLOYMENT RELEASE OF EMPLOYMENT INFORMATION (FOR FORMER EMPLOYEES) I, , hereby authorize to release information to prospective employers regarding my employment with this com...

The Challenge Of Change

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THE CHALLENGE OF CHANGE by Mike Manes A body at rest tends to remain at rest. Is it just human nature to resist change? Mike Manes examines this issue as it applies to independent agenc...

Invest Esop Dividends Into A 401(K)

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INVEST ESOP DIVIDENDS INTO A 401(k) An Employee Stock Ownership Plan (ESOP) allows workers to invest a percentage of income into their company. Most stocks produce quarterly dividends in t...

To Accompany Claim Settlement Questionnaire

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TO ACCOMPANY CLAIM SETTLEMENT QUESTIONNAIRE Dear (Customer Name): We consider claims service to be a top priority in (Your Agency Name). Would you take a moment to give us your opinion? How was...

Christmas Greeting-Commercial Lines

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CHRISTMAS GREETING-COMMERCIAL LINES Dear (Customer Name), Seasons greetings and best wishes for the New Year. It gives me great pleasure-particularly at this time of year-to convey my personal ...

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