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... Categories Popular Recent All risk managers Articles tagged with risk managers Back A Look At Value Added Selling As An Answer To Price Selling This content has not been rated yet. CompleteMarkets Editor , Allen Karlin 4/30/2013 10:41:34 PM A LOOK AT VALUE ADDED SELLING AS AN ANSWER TO PRICE SELLING by Allen Karlin, Ph.D. U.. All Articles by CompleteMarkets Editor Comments (0 ) Actuarial Checklist For The Insurance And Risk Management Professional This content has not been rated yet. CompleteMarkets Editor , Al Rhodes 4/30/2013 10:45:23 PM ACTUARIAL CHECKLIST FOR THE INSURANCE AND RISK MANAGEMENT PROFESSIONAL by Al Rhodes The responsibilities of risk managers, risk management consultants, accountants, and brokers increase as insurance.. All Articles by CompleteMarkets Editor Comments (0 ) Are Antiquated Phrases Hurting Your Business? This content has not been rated yet. CompleteMarkets Editor , Gary Blake 4/30/2013 12:00:00 AM ARE ANTIQUATED PHRASES HURTING YOUR BUSINESS? by Gary Blake As someone who travels from one insurance company to another teaching Effective Business Writing for Claims and Risk Managem.. All Articles by CompleteMarkets Editor Comments (0 ) Are Multi-Year Policies Really A Good Choice? This content has not been rated yet. CompleteMarkets Editor , Gary Griffin 4/30/2013 10:35:25 PM ARE MULTI-YEAR POLICIES REALLY A GOOD CHOICE? by Gary Griffin Although multi-year insurance contracts are not new, they seem to be garnering much interest lately. The renewed interest in these polic.. All Articles by CompleteMarkets Editor Comments (0 ) Boost Agency Value By Winning ...

... Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All phrases Articles tagged with phrases Back 10-Step Referral Prospecting System This content has not been rated yet. CompleteMarkets Editor , bill cates 4/30/2013 12:00:00 AM 10-STEP REFERRAL PROSPECTING SYSTEM: SELLING/PROSPECTING/LEADS by Bill Cates You can create a steady flow of high-qual.. All Articles by CompleteMarkets Editor Comments (0 ) Are Antiquated Phrases Hurting Your Business? This content has not been rated yet. CompleteMarkets Editor , Gary Blake 4/30/2013 12:00:00 AM ARE ANTIQUATED PHRASES HURTING YOUR BUSINESS? by Gary Blake As someone who travels from one insurance company to another teaching Effective Business Writing for Claims and Risk Managem.. All Articles by CompleteMarkets Editor Comments (0 ) Basic Facts About Registering A Trademark, Part 1 This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:39:13 PM BASIC FACTS ABOUT REGISTERING A TRADEMARK Part 1 of 5 What is a Trademark? A trademark is either a word, phrase, symbol, or design, or combination of words, phrases, symbols or.. All Articles by CompleteMarkets Editor Comments (0 ) Claim Procedural Guidelines ...

...rts on a local level? Bring in an antique dealer as a co-sponsor, and buy some hole-in-one insurance to cover an antique giveaway. Local realtors and banks a...

... Do you own any antiques, fine arts, collections or other sp...

... Kay is the owner of an upscale antique shop in a trendy part of town. Her s...ith the public's renewed interest in antiques. Kay takes great pride in her ab...

... Centers to educate their clients in direct relationships for processing. The inherent weakness of this system is that many clients have multiple policies through their agents with several carriers. Few will look forward to calling each company to handle processing and claims for a variety of products. That's why they hired an independent agent in the first place-– to manage their insurance portfolio. We need a long-term solution that accomplishes the goals of carriers, agencies, and clients. Carriers want direct interaction with their clients to improve their efficiency. Agencies must reduce their overhead to attain profit efficiencies. They must also use their limited human assets to their best advantage in relationship management. Clients just want simplicity. Younger and automation-savvy clients want to handle their routine insurance processing without visits to their agents or adherence to antiquated "business hours." They now reside in a 24/7 world of e-mail, text messaging, and automated banking and bill paying. They expect our industry to follow suit. Those clients who still want individualized personal service expect their agent to be the single point of contact for all of their insurance needs. Using the agency automation system to its greatest advantage will create fully secured portals within each agency's system that will empower clients to access their account with each insurance company. The client will be able to inquire about payment history and status, identify costs associated with contemplated policy changes and request those changes, and report claims online or to a live representative. The banking industry has already embraced this technology. Their customers can use their local bank branch or access their account any time ...

... use? What is the estimated worth of your software? Section I Coverages Do you or anyone in your household own a single item of jewelry, watches, furs, or precious or semiprecious stones worth more than $1 ,000? Does the total value of your jewelry, watches, furs or precious or semiprecious stones exceed $1 ,000? Do you own firearms worth over $2 ,000? Does the value of your silverware, silver-plated ware, gold-ware, gold-plated ware, or pewter, exceed $2 ,500? Do you keep any belongings in your home that are used in any manner for business use worth more than $2 ,500? Do you belong to any association of property owners responsible for something owned collectively? Do you have articles of value such as antiques, stamp or coin collections, fine arts, furs, golf equipment, musical instruments, silverware, china or the like, which you would like to insure on a scheduled per-item basis? Section II Coverages Would you like a limit of liability higher than $100,000? Would you like a higher amount of coverage for medical payments than the $1 ,000 limit? Do you own any other residence? Do you rent the other residence? Do you conduct any farming on your premises? Is farming your principal occupation? Do you own a snowmobile? Would you like to be covered for libel, invasion of privacy or false arrest for an additional $13 a year? Would you be interested in a personal umbrella policy covering you for $1 million above and beyond the ...

... an online Terms of Use agreement, which is similar in nature to paper contracts. As with any contract, whether electronic or paper, agency management and (if need be) legal counsel should review this agreement carefully before signing. A few items in most agreements that you must comply with are: &# 160 Hold-harmless provisions; Use of information from the carrier's Web site may not be copied, reproduced, etc., without the permission of the carrier; Retention of records in the event of termination of the agreement; and Retention of signed documents and by whom. &# 160  One of the more common types of agency automation is download (the process in which a company sends data to you electronically) . In many respects, download replaces what's fast becoming the antiquated system of mailing paper documents. Although download is more common in Personal Lines, its use with Commercial files, as well as billing and loss information, is rapidly increasing. &# 160  A download file is usually sent each night to the agent's mailbox. To ensure that you're dealing with accurate data when communicating with your customers, be sure to accept downloads daily, preferably first thing in the morning. This will go far to eliminate any E&O claims resulting from inaccurate data. &# 160  The carrier will usually provide a transaction listing of those items that have been modified, or you can review the download listing in your system. This will make it easier to know which endorsement requests have been handled and which ones you should retain on ...

... words such as, Why aren't your people selling more new business? With as much as we pay them, they ought to be out there in the field contacting new customers, and all I hear are excuses. Then comes the threat, veiled or outright: If things don't pick up pretty soon... All this kind of talk will get you is turnover, inconsistent sales, anger, and inaction. Here are tips that can dramatically change the selling atmosphere at your agency, improve the bottom line, and foster the development of your own group of wondrous salespeople: Change focus. The focus of your company must change from selling insurance to active competition. Your mystical mission statement sounds great in print, but probably means nothing to your customer or your sales force. You must replace this antique with a reality statement such as, Our goal is to replace XYZ Agency as the No. 2 company in our marketing territory! ' Without this extremely narrow focus, you don't stand a chance of motivating your sales force to action. This change of view will probably engender a fight with your staff, but unless you make a decision to do something concrete-and let your sales force know the goal-your efforts are misguided. Find your customer. Do you really know who your customer is? Are you assuming that Jane and Jim Doe are the buyers and ignoring the fact that your real buyers may be the wholesale, retail, or franchise establishments? Without a realistic analysis, your sales force is out there beating the bushes for squirrels when the real prey should be lion. Target your customer ...

... 1. Do you own any antiques, fine arts, silverware, or collecti...