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... x No Thanks Loading.. Apartment Owners - "We'Re The Local Specialists"4/30/2013 by CompleteMarkets Editor This content has not been rated yet. APARTMENT OWNERS - WE'RE THE LOCAL SPECIALISTS' Dear (Customer Name): YOU'VE GOT MORE TO WORRY ABOUT . . . than the average property owner - if you're not insured with (Your Agency Name) . We're the specialist in insuring apartment buildings. When you're insured with us, you know you're adequately protected. You need an insurance specialist who can adequately assess your property, taking into account the special features of the building and the improvements you've made. You need an expert who will assess your liability risks and tell you how to make sure you're insured in case someone sues you - a common occurrence for any number of apartment owners today. And you need to consult an authority on ways to manage your risk so that you can reduce your chance of having a loss in the first place. We can advise you on before-the-fact' protection, as well as insurance. We'll be calling you soon to set up a convenient appointment to review your coverage. We think you'll be pleasantly surprised at what we have to offer. Sincerely, (Your Name) Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. ...

... x No Thanks Loading.. A Look At Value Added Selling As An Answer To Price Selling 4/30/2013 by CompleteMarkets Editor , Allen Karlin This content has not been rated yet. A LOOK AT VALUE ADDED SELLING AS AN ANSWER TO PRICE SELLING by Allen Karlin, Ph.D. Use these proven ways to stand out from the competition. One reality of today's business climate is that price is of critical importance when clients make a decision about where to buy their insurance. Rates and prices constantly are being examined by agents, risk managers, and prospects. Due to significant competitive and economic pressures, clients are looking to save money wherever they can. Agents must be aware of the concept of value-added selling: the need to set yourself apart from competitors so that prospects and existing clients view you as a business partner of the highest quality and integrity. Value-added selling can be defined as the entire package of goods and services that you, as an agent, bring to a prospect or client. The package extends beyond you, however. It also includes the agency and its reputation; the support it provides; the carriers you use, their products, and specific advantages those products offer; and the level of claims service provided. In short, there is a price associated with any insurance policy. And sometimes the cost of doing business may take a less expensive policy at the outset and make it the more expensive purchase in the long run. For example, a heavy-equipment manufacturer normally would require a high level of loss-control services. If he or she chooses the lowest-priced insurer ...

... x No Thanks Loading.. Renter's Insurance 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. RENTER'S INSURANCE Dear (Customer Name): HAS YOUR APARTMENT EVER BEEN VIOLATED? If you've ever had your apartment broken into, it has. Criminal hands groping through your belongings, invading your privacy, stealing your possessions - are a violation. Luckily you weren't home and you are safe. But what about the rest? Now you must face the heartache of adding up the cost. What was stolen? What was it worth? At least you have insurance. Or do you? If you've always meant to buy Renter's insurance, but kept putting it off, this is a reminder. It wouldn't cost you very much to protect your valuables. We certainly hope your apartment will never be violated. Unfortunately, crime statistics show it is a distinct possibility. Don't wait until it happens. Return the enclosed card today. We will immediately send you a Renter's insurance quotation. Sincerely, Enclosure Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals ...

... x No Thanks Loading.. Overcoming Obstacles To Agency Growth 4/30/2013 by CompleteMarkets Editor , Carol Hammes This content has not been rated yet. OVERCOMING OBSTACLES TO AGENCY GROWTH by Carol Hammes Deal with agency growth problems before they reach a crisis point. Unfortunately, this agency scenario is all too common. Enough new business is produced to keep the organization on a steady growth curve, and morale is good. Then, almost overnight, the bottom drops out. The system that was running so smoothly falls apart and the well-oiled team grinds to a cranky halt. Another agency has fallen victim to its own success. There are several common growth plateaus beyond which it's difficult for an insurance agency to expand. When an organization has outgrown one structure and is having difficulty evolving gradually into the next one, stagnation can easily set in. As the growth curve flattens out, it takes more (and perhaps a different kind of) management attention than had been necessary during the preceding couple of years to "jump-start" the agency and get it moving forward again. The fact that so many mergers and sales take place when one of these plateaus has been reached shows how hard it is for many agency owners to shift gears. The first step in solving the organizational problem is to identify it. One of the most common indications that your agency might be at one of these plateaus is a reduced level of productivity in the internal staff. The confusion and apathy of these employees spills over into the sales force, and the whole agency seems to be working at cross purposes. ...

... than their peers. Tomorrow, when they sell their firms, either internally or through sale to a third party, they will undoubtedly receive the highest price for their stock. What's the secret to their marketing success? It's simple. They have planned and streamlined their marketing time and efforts by emphasizing their strengths and minimizing their weaknesses. To do so, these strengths and weaknesses need to be identified. The first step in planning is self-assessment. If you don't know where you've been and how you got there, how can you possibly plan for the future? This article focuses on "Assessing Your Firm's Marketing Resources" -the first critical step in the process of planning your marketing strategy. We will explore how to assess your marketing strengths and weaknesses by looking at the characteristics that set you apart from the competition and identifying the classes of business and evaluating the tools that are available. We will also explain how to critique those who produce in your firm and identify compensation motivators. Marketing Defined What is marketing? It is the process of identifying customer needs within a geographical area, developing or offering products to meet those needs, and efficiently using the firm's resources to distribute your insurance products. There are two kinds of marketing in the insurance agent and broker distribution system: 1. Selling to your clients 2. Placement of accounts with your carriers Importance of Planning What is the importance of the marketing strategy plan? Your growth should be planned to: • &# 160Replace lost accounts • &# 160Attain the growth levels expected (and promised) • &# 160Make a profit • ...

... x No Thanks Loading.. World-Class Customer Service 4/30/2013 by CompleteMarkets Editor , Pamela Millard This content has not been rated yet. WORLD-CLASS CUSTOMER SERVICE &# 160 by Diane Herbert and Pamela Millard &# 160 What sets your agency apart? What do you do better than other agencies? What do you offer that they don't? Why should people buy insurance from you? Everyone in your agency should know intuitively what sets your agency apart from the competition. Diane Herbert and Pamela Millard help you to meet or exceed customer expectations. &# 160 &# 160 When we ask those questions in our consulting practice, the answer is invariably, "Service. We provide great service." When asked what that means, we often hear "We truly care about our clients." "We return phone calls the same day." Or, "A real live person always answers the phone." Although those things are important, we doubt that your clients consider them special. They are (or should be) given. &# 160 In our 20-plus years of consulting with hundreds of independent insurance agencies and talking with thousands of agency personnel, we can count on our fingers and toes the number of times that we've had people give us concrete, meaningful expressions of quality customer service — even when the agency is in fact providing truly exceptional service to their clients. &# 160 In a service-driven environment such as the Independent Agency System, the value of what you provide is determined entirely by the customer's perception. The customer decides what value is. As ...

... work well, not only together but with the existing sales force. In fact, good database marketing is more akin to good customer service than the hard-sell noise that has given some direct marketers a bad name. Let's assume you're interested in trying database marketing at your agency, or you want to see how your current efforts stack up against the best in the industry. First, review the essential ingredients in the art and science of database marketing. Database marketing aims to do what we all dream of doing as marketers and salespeople: deliver the right message about the right product, at the right price, to the right consumer, at the right time, in the right way. As our efforts approach this ideal, sales success ought to follow. INTERACTIVE AND INDIVIDUAL What sets database marketing apart from all other marketing channels is captured in two words: "interactive" and "individual." Database marketing is interactive. It builds and sustains a relationship between seller and buyer in which the buyer responds to the seller in a meaningful way. The response (or nonresponse) helps guide the hand of the marketer in creating ever more relevant promotions in an ongoing process of trial and error. And since this dialogue is recorded in a database, we can go back and "replay" it at will to learn what worked and what didn't. Database marketing is able to relate to each prospect or customer as an individual because it is built around a database. A person's unique preferences, needs, and behavior can be recorded and used by the marketer to ensure that communication is relevant ...

... x No Thanks Loading.. How Significant Are Wills For A Life Insurance Policy?6/24/2021 by CompleteMarkets Editor This content has not been rated yet. Tens of millions of Americans don't have wills, in spite of the abundance of online will makers today. Tens of millions of Americans don't have life insurance. The scary thing is, these groups overlap to a large degree. There are millions of people out there who neither have wills nor life insurance policies, whose families will struggle in the event of their death. Over the past year and a half, we have become more and more aware of just how suddenly life can be over. More than six hundred thousand Americans have died from COVID-19. Families have been torn apart, facing a prolonged period of mourning and a struggle to get back on their feet. While life insurance policies and wills are very different things, both provide a way forward for people suffering from the biggest trauma in their lives. They allow families to grieve without having to stress over how they will afford their next meal or who will take care of the person's estate. What is the difference between life insurance and a will? Does having a will impact your life insurance policy? The difference between life insurance and wills Both life insurance and wills become relevant the moment a person dies. However, they serve very different purposes. A life insurance policy ensures that the family can afford to continue living after their loved one dies. A will gives instructions as to what the deceased person wants for their family. There is overlap between ...

... a wide range of insurance providers. Ultimately, your insurance choices will be determined by your individual situation and the needs of your family. &# 160 Insurance Types &# 160 You essentially have three avenues to purchase personal and business insurance: telemarketing companies ( who use sales people via 800 numbers), captive agent companies (who employ agents to represent only their insurance company), and independent agents. For you, independent agents mean access to numerous options that lead to the best combination of coverage, service, and price. &# 160 Connie &# 160 Connie is 26 years old and in the early stages of a career. She receives basic health insurance from her employer, and contributes to the cost of the plan through payroll deduction. Connie owns an automobile and rents an apartment. In addition to her job, she maintains a small free-lance graphic design business in her apartment, which is equipped with a sophisticated computer system. &# 160 The purchase of her computer prompted Connie to meet with her local independent insurance agent to review her overall insurance needs. Following a review of several insurance companies, represented by her independent agent, the agent tailored a plan that took into consideration Connie's financial security goals. The agent also updated Connie's automobile insurance to a plan that carried sufficient coverage, while offering a discount due to her age and safe driving record. &# 160 The agent encouraged Connie to inventory her clothing, furnishings, and other belongings in her apartment, and provided her with a renters insurance policy to ensure replacement should she experience a loss. She also ...

... Attorneys &# 160 F. 5- Office Tenants &# 160 G. 5- Funeral Homes &# 160 H. 5- Printers &# 160 I. 10- Medical Professionals &# 160 J. 5- Churches &# 160 K. 5- Veterinarians and/or Animal Hospitals &# 160 L. 5- Auto Parts Wholesalers &# 160 M. 5- Air Conditioning & Refrigerator Wholesalers &# 160 N. 10- Fast Food Businesses or Restaurants &# 160 O. 5- Fraternal Clubs &# 160 P. 10- Hardware Dealers &# 160 Q. 5- Drug Stores or Pharmacies &# 160 R. 5- Scrap and Secondary Material Dealers (Recycling) &# 160 S. 5- Motels &# 160 T. 5- Apartment Projects &# 160 U. 5- Banks, Savings & Loans &# 160 V. 5- Private Schools &# 160 NOTE: Restaurants, funeral homes and hardware stores are prime accounts for placement with INA, in Safety Groups, consistently showing dividends. &# 160 Specific Solicitation Goals &# 160 I. Weekly X-Dates &# 160 A. 12- Personal Lines Prospects &# 160 B. 3- Commercial Account Prospects &# 160 II. Telemarketing Program &# 160 A. Every Monday, 5:30 p.m. - 8:30 p.m. &# 160 1. Phone Prospecting using &# 160 a. Tot Finder Referrals &# 160 b. Utility Direct Mail leads &# 160 c. New home/Resale home leads &# 160 A ...