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...ques, fine arts, silverware, or collections such as unique dishes, figurines, ...

...such as antiques, stamp or coin collections, fine arts, furs, golf equipment, ...

...ques, fine arts, silverware, or collections such as unique dishes, figurines, ...

...ques, fine arts, silverware, or collections such as unique dishes, figurines, ...

... you own your own home? Do you rent? Do you own any rental or investment property? Would your current amount of coverage be enough to replace your home? Would you like your coverage increased? If so, how much? ____ Have you remodeled your home recently? Do you plan to do it in the future? Do you own any of the following: Fine arts, antiques, or paintings? Gems, watches, jewelry, furs in excess of $1 ,000? Silver in excess of $2 ,500? Guns in excess of $2 ,000? Personal property used in your profession which you keep on your premises? Valuable cameras and/or sporting equipment? Watercraft? Recreational vehicles, including electric or gasoline driven golf carts? Do you keep ... $200 at home or have a coin collection in excess of $200? Do you or any members of your family own a business? Is there any type of business or office on your premises? [Private lessons, music lessons, day care?] Do you think your current liability limits and medical payments are adequate? &# 160 Auto YES Does our agency insure all the auto needs in your family? Do you have a vehicle, not your own, furnished for your use? Would you like to review the current limits and coverages on your vehicle to see if they still suit your needs? &# 160 Financial Planning YES Do you now have all of the Life Insurance you are ever going to buy? If married, do your spouse and children own Life Insurance ...

... Do you own any collections such as unique dishes, Indian item...

... access segments but, in sum, the access rule is to employ specific ways to build credibility with buying influencers within the target market. &# 160 At this point, the sales approach comes into being. Too often, says Mr. Snader, an agent selects a segment, skips market stimulation and access methods, and opts to go immediately into a sales approach-either by cold calls or using other antiquated selling styles in hit-or-miss fashion to secure appointments. &# 160 A target marketing focus, he explains, is much more deliberate. It is modified to uncover the needs and wants of constituents narrowed into a single segment. In target marketing, conventional indirect marketing strategies can be planned to create and fulfill desires. For example, direct mail and advertising can be customized to fit the prime psychological ... . Snader confesses that target marketing is not a cure-all and shouldn't be on the top of every insurance company's priority list. But for many companies, he insists, target marketing moves well beyond the use of traditional routes in soliciting business. He explains: &# 160 That is, qualifying suspects, doing needs analyses, talking about product features and benefits, overcoming plan objections, closing sales, collecting payment, delivering the policy-these are all sales functions. &# 160 A target marketing company does pay attention to these matters. The difference is that it formulates new business opportunities into segments, moving beyond the business as usual' routines. The key in target marketing is to segment prioritize targets into an identifiable and systematic construct. &# 160 A target marketing company, he continues, doesn't just ...

... is to set some guidelines and make arrangements for a personal visit to the client every three years, take photos at that time, and determine what, if anything, has changed. Look at all new business and interview the insured. Inspect large Homeowners and Personal Lines accounts annually. If not, send a renewal questionnaire that asks about any primary or incidental business activity, works of art, antiques and other collectibles, hobbies, activities, or anything that needs scheduled coverage. Include a return postage-paid envelope with the questionnaire, and require the insured to sign and date it. Also, request photos of any unusual or high-value items or activities that might pose a coverage problem or require special handling. That way, you can determine whether you need to make an appointment with the client at ... site. This procedure provides an opportunity to sell other coverages, improve existing coverage, and even to sell Life and Disability insurance to round out and gain control of the account. 2. Take notes when talking to clients. Organize the notes into a narrative in your file. Most agency automation systems allow you to document meetings and discussions — and with all of the electronic methods available today, there is on reason not to be able to properly document activity. When understandings, perceptions, and some kind of activity are involved (especially binding any coverage), confirm this in writing to the client. You can use e-mail, form letters, handwritten memos, personally written letters, and so forth; but always cover your tracks. Attorneys trying to establish your negligence will always want to ...

... within specified limits, it typically is insufficient and does not protect against lawsuits related to your business activities. Selecting the right insurance is just as important as the choices you make for company stationery, equipment, or services. Your independent insurance agent can help you review your options and tailor coverage that best meets your needs. &# 160 Kay &# 160 Kay is the owner of an upscale antique shop in a trendy part of town. Her sales have grown steadily during the past several years with the public's renewed interest in antiques. Kay takes great pride in her ability to spot the best pieces and prominently displays them in her shop. A series of break-ins in the neighborhood prompted Kay to review her insurance to ensure that her business is adequately covered. &# 160 Kay and her ... crisis that could be caused by fire, auto accident, lawsuit, health problem, or drop in income. By covering your exposure to risk, you minimize the financial damage you might suffer. &# 160 Insurance works by spreading the risks of an individual-you-among many individuals. The chances that everyone in the group would experience a crisis at the same time are statistically very small. Insurance premiums are collected from everyone in the insurance pool and paid only to those who suffer a loss. The cost of your insurance policy is determined by the likelihood that you will file a claim. That's why, for example, an individual or family with several speeding tickets or car accidents will pay for insurance than those with clean driving records. &# 160 To protect your financial security, independent insurance agents ...