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...ransfer the agency to a child or children, without being paid for all or part ...nce payments may be)? Are your children producers? Is a separate entity ...

... 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 ...

... cover logging operations, the care and feeding of livestock, or hand-labor operations in permanent structures (e.g. canning facilities or packing houses) . POPULATION COVERED An estimated 471,600 farm employees, about one-fourth of whom are migrant workers, on roughly 54,000 farms with 11 or more employees. From 25 to 30 percent of these workers are women; the number also includes young adults and children under 18. The greatest number of field employees covered tend or harvest fruits and nut trees (175,000) . Others tend vegetables and melons (137,000), and tobacco (98,000), other field crops including sugar cane and beets (33,000), cotton (9 ,000), and others' (10,000) . About 11 ... 000 mushroom workers also are included, though they work under shelter. The distribution by states of these workers include: California 137,000 (29.2 percent), Florida 63,800 (13.5 percent), North Carolina 39,600 (8.4 percent), Kentucky 28,700 (6.1 percent), Washington 26,300 (5.6 percent), Hawaii 14,400 (3.1 percent), Michigan 11,600 (2.5 percent), Pennsylvania 10,700 (2.3 percent), Idaho 10,400 (2.2 percent), Texas 10,000 (2.1 percent), Georgia 9,900 (2.1 percent), Oregon 9,800 (2.1 percent), and Tennessee 9,400 (2.0 percent) . The other states all have less than 2 percent ...

...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...

... 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 ...

... with hopes of college for their children; someone who wants a strong, safe in...y to IRA investors. Families with Children: Did you know that Single-Premium...

...es? Are you married? Do you have children? What are their ages? Are any children college-age? Do you own or rent? If ...