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... be your favorite causes, there are plenty of other worthy efforts to which your company can devote its time and money. Fire safety, for example, is a natural for the insurance industry. No one can disagree that it's a worthwhile cause. Fire continues to exact a terrible toll. Statistics show that at least one American is killed in a fire every hour, and that fire kills more children than any other cause. Marketing fire safety isn't new. Still, it's possible to do something that's innovative, low-cost, and effective. We recommend that agents send letters providing free Tot Finders' to their customers. The Tot Finder is a reflective sticker that's applied to the window of a child's bedroom. The stickers reflect firefighters' flashlights and signal where children are likely to be sleeping. ... the . It sells its products largely by providing information to consumers. Every container explains the ingredients and their benefits. The Body Shop has established a fine reputation by supporting a number of social causes. Environmental protection is one, including a lobbying campaign to protect the Brazilian rain forests and their inhabitants. In addition, all franchises are expected to get involved in community projects, such as battered women's shelters or AIDS programs. These causes appeal to the stores' customers, who are primarily of the socially aware baby-boom generation. Participation in such causes gives The Body Shop millions of dollars worth of free publicity. But publicity isn't the main goal. The company's president and employees truly believe in the causes; the company shows its support by having employees participate during paid working hours. Vermont-based Ben & ...

... it no longer considers them profitable. The Wall Street Journal reported that in 1998, there were $301 billion in sales via the Internet, while the manufacturing sector did $350 billion in overall business. It took the Internet roughly 36 months to reach this figure; manufacturing needed 150 years. All Articles by CompleteMarkets Editor Comments (0 ) A New Look At The Sale Of Life Insurance To Children This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:40:04 PM A NEW LOOK AT THE SALE OF LIFE INSURANCE TO CHILDREN More children die from injuries than from disease, reports a Wall Street Journal item which quotes specialists at the Johns Hopkins Children's Ce.. All Articles by CompleteMarkets Editor Comments (0 ) Agency Acquisitions: Buyer Beware! This content ... terms Non-Compete, ' Non-Solicitation, ' and Non-Piracy' are often used in.. All Articles by CompleteMarkets Editor Comments (0 ) Don'T Mess Up Your Marketing: Getting The Most From Your Investment This content has not been rated yet. John Graham 5/11/2015 12:00:00 AM While driving down Boston's Massachusetts Avenue one Saturday afternoon, it dawned on me that every bus stop shelter along this popular main artery sported advertising signage for Apple's iPad 2. Assuming that many bus riders were not target customers for a product selling between $500 and nearly $900, the two of us in the car thought that spending advertising dollars at bus stops seemed like a waste of money. All Articles by John Graham Comments (0 ) 1 2 3 4 5 x No Thanks Loading. ...

...y hour, and that fire kills more children than any other cause. Marketing fi...gnals, homes, and buildings. School children come to Safetyville to learn to c...

... any of the thousands of other charities that need help. So this year, why not make a donation to a charity in your clients' names, then send a similar letter? Your clients will remember you. Dear (Customer Name), CHRISTMAS IS FOR KIDS! With this in mind, as in years past, we thought we would do something that would have a lasting benefit for children who are not as fortunate as we are during the holiday season. Since the Children's Hospital of Los Angeles has special needs at this time of year, we have made a contribution in your name to Children's Hospital so that the kids there might have a more enjoyable Christmas. We at Consumer Marketing thank you for helping to make this contribution possible and sincerely wish you a Merry Christmas and Happy ... by CompleteMarkets Editor This content has not been rated yet. A CHRISTMAS CONTRIBUTION Clients appreciate receiving Christmas cards and letters. It's nice to know that someone out there cares and wants to be remembered. Several years ago, IMMS received a memorable Christmas letter from Consumer Marketing Inc. of Los Angeles, reproduced below. Your agency's favorite charity might be a children's hospital, the Salvation Army, a homeless shelter, or any of the thousands of other charities that need help. So this year, why not make a donation to a charity in your clients' names, then send a similar letter? Your clients will remember you. Dear (Customer Name), CHRISTMAS IS FOR KIDS! With this in mind, as in years past, we thought we would do something that would have a ...

...r also includes young adults and children under 18. The greatest number of fi...

...cy's favorite charity might be a children's hospital, the Salvation Army, a ho...made a contribution in your name to Children's Hospital so that the kids there...

... through your home together. Search for hazards and correct them. Learn and discuss how to protect yourself during an earthquake. Observe and become familiar with the location of utility shutoff valves. Instruct family members how to shut off valves properly. Delegate responsibility for specific tasks to family members. Plan for special needs of family members (infants, chronically ill, elderly) . Instruct family members (especially children) how to call emergency phone numbers. Plan for family members to take Red Cross training in first aid and CPR. Plan how to evacuate safely after a quake if necessary. Draw a floor plan of your home indicating escape routes, the location of emergency supplies, and location of utility shutoffs. Hold earthquake drills; be sure family members are familiar with the plan. Practice evacuation of ... home. Determine 3 or 4 nearby reunion locations, e.g., neighbors, Red Cross shelter, relatives. Identify an out-of-town friend or relative to be your contact person if family members are separated during a disaster. Share and discuss your plan with neighbors, friends, relatives, and coworkers. Total family preparedness must also include preparedness in the workplaces and in the schools that the family children attend. This is essential to provide the maximum possible peace of mind in knowing that other family members are prepared and/or cared for in the immediate confusion following an earthquake. For the purposes of the earthquake course, and in your planning the family' is not limited to the traditional mother, father, and children. It could be a family' of roommates, friends, neighbors, or ...

...truct family members (especially children) how to call emergency phone numbers...the traditional mother, father, and children. It could be a 'family' of roomma...

... or other, but as we will outline, there is a surprising number of such prospects. Keep in mind that you can't convince a prospect to buy a Single-Premium Whole Life policy unless he or she already has the money. Prospects range in age and income level, but all need some type of investment vehicle. A Single-Premium Whole Life prospect could be new parents with hopes of college for their children; someone who wants a strong, safe investment-plus Life insurance; or a person nearing retirement age who wants financial security for the retirement years. Here are some of the individuals who may be interested in Single-Premium Whole Life: Existing P/C clients: Many of your clients probably are not aware that you offer Life insurance, much less that you can provide them with such an advantageous investment ... with Action Step 3 in your seven-step sales process, the phone call to set the appointment. (The seven action steps to the sale are explained in detail in the Sales and Marketing' section of this Agent's Guide.) Also, when your P/C clients are due for an annual review, have the CSR or other person making the appointment find out about their Life insurance, tax shelters, and investments. During the producer's review, remind clients that your agency offers Life insurance and financial services products and offer a free insurance review (Action Step 4- The Qualifying Interview) . Mention Single-Premium Whole Life and some of its investment benefits. Existing Life Clients: Letter SP 2 is perfect for clients who've purchased a policy from you some time ago and may have outgrown it. Send ...

... to contact you, but follow up on all letters. Because this is a dominant needs, one-interview sales strategy, the first call, either by a Personal Lines producer or a CSR, can act as a qualifying interview. If you don't already have the information, the qualifying interview should include: How much Life insurance do you have? What types? Are you married? Do you have children? What are their ages? Are any children college-age? Do you own or rent? If you own, what is your mortgage amount? Are you covered by a pension plan? And so on. We recommend that if you anticipate a two-call sales strategy, a total needs fact-find be done. We have provided a fact-finding form for you in the Sales and Marketing' section of this ... CompleteMarkets Editor This content has not been rated yet. &# 160 UNIVERSAL LIFE INSURANCE: MODULE V-E &# 160 OVERVIEW Universal Life was created in the early 1980s at a time when high interest rates prevailed. Although the high interest rates didn't last, Universal Life, with its investment byproduct, did. Its continuing success can be attributed to its flexibility and its ability to act as a tax shelter. For example, policyholders can borrow, withdraw, or use a partial surrender to use Universal Life's cash values, usually without incurring taxes. Most other Life policies offer only policy loans. THE COVERAGE Universal Life is a Life insurance product with an investment byproduct. It differs from traditional Whole Life policies in that Universal Life generally offers significantly higher interest on short-term investments and can be adapted to ...