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... which can be placed on individual desktops or installed in an entire agency. By creating a "swooshing" sound, the generators block out background noise. A quick Internet search will disclose a number of brands and models. Even the loss of just 20 minutes a day in one employee's productive work time over the course of a year costs an agency the equivalent of a paid two-week vacation, so anything that saves time and reduces stress for staff also saves money for the agency. Desktop scanning Consider the number of times each day ... topics in which your staff are the subject-matter experts. Data-security devices Many producers carry laptops into the field for presentations and proposals. Some of the challenges with laptops are Internet connections, expense and client-data security. With recent changes in the privacy laws, agencies must be careful how they handle client data, especially when it is taken outside the office, where the agency no longer has the ability to ensure its safety and security. It's never advisable for producers to use client or prospect Internet connections because of potential security issues. Sprint ... a little creativity with cutting-edge technology, an agency can produce profitable results. If you have not checked out Progressive's Web site you might be surprised to learn that when a user enters a name, address, and ZIP code, the site presents a list of all autos registered at that address, asking the user to pick the auto for which he or she desires a quote. Creative agencies have used this tool to look up autos for their "A-list" Homeowners clients. Then they prepare Auto quotes and contact their clients to ...

...n 6 a.m. and noon on an average weekday, compared to 36% for newspapers and 29... audiences by type of station, time of day, and type of program. The produ...

... ] [CITY], [STATE] [ZIP] Dear (Customer Name), Thank you for reporting your recent claim so promptly. We have sent the report to [POL.. All Articles by CompleteMarkets Editor Comments (0 ) Agencies Are Getting Help These Days! This content has not been rated yet. CompleteMarkets Editor , Grace Bauer 4/30/2013 12:00:00 AM AGENCIES ARE GETTING HELP THESE DAYS! by Grace Bauer Every agency I talk to these days wants help. How can we be ... Basic Facts About Registering A Trademark, Part 3 This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:39:13 PM BASIC FACTS ABOUT REGISTERING A TRADEMARK Part 3 of 5 FILING REQUIREMENTS Before completing an application, read the instructions carefully and study the examples provided. Er.. All Articles by CompleteMarkets Editor Comments (0 ) Change: What An Opportunity! 1 Verified Reviews - 5 of 5.0 1 2 3 4 5 CompleteMarkets Editor , Chris Burand 4/30/2013 12:00: ... AM CHANGE: WHAT AN OPPORTUNITY! by Chris Burand A changing industry offers the greatest opportunity business people ever have for becoming successful. Chris Burand urges you to welco.. All Articles by CompleteMarkets Editor Comments (0 ) 1 2 3 4 5 .. x No Thanks Loading.. Loading.. x No Thanks Loading.. ...

...email addresses in the system in 90 days. Email your entire team of staf...ords) are increasingly relevant these days. These records tell the receiving ...

...ake sure that the correct number of days are being used for the notice of canc...not returned to us within fifteen (15) days, there will be an earned premium c...

... Insurance: Another Cross-Marketing Door For P/C Agencies This content has not been rated yet. CompleteMarkets Editor , david goodwin 4/30/2013 12:00:00 AM The Long-term Care (LTC) family of products includes coverages for nursing homes, adult day care, home health care, assisted living facilities, and other related benefits. LTC has unique qualities, and there are many variations among the carriers. LTC isn't a new concept. The coverage has been around for decades, but only recently has it been ... 2013 12:00:00 AM LIFE INSURANCE: AN AGENTS TUTORIAL by Richard Weber Compared with Homeowners or Auto, clients tend to have different expectations when it comes to their Life insurance. Will you .. All Articles by CompleteMarkets Editor Comments (0 ) Long-Term Care Insurance: Another Cross-Marketing Door For P/C Agencies This content has not been rated yet. CompleteMarkets Editor , david goodwin 4/30/2013 12:00:00 AM The Long-term Care (LTC) family of products includes coverages for nursing homes, ... (0 ) Life Insurance: An Agent's Tutorial 1 Verified Reviews - 5 of 5.0 1 2 3 4 5 CompleteMarkets Editor , Richard Weber 5/20/2013 12:00:00 AM LIFE INSURANCE: AN AGENTS TUTORIAL by Richard Weber Compared with Homeowners or Auto, clients tend to have different expectations when it comes to their Life insurance. Will you .. All Articles by CompleteMarkets Editor Comments (0 ) Long-Term Care Insurance: Another Cross-Marketing Door For P/C Agencies This content has not been rated yet. CompleteMarkets ...

.... Now, figure there are 260 working days in the year, of which 30 will probabl... who usually spend about six hours per day actually on the phone. Multiplied by the number of days from (2) above, that equals about ...

... legal requirement for an agent to determine the need and attempt to sell mutual funds, Life, Disability, Major Medical, Long-Term Care, Medicare Supplement, et cetera while discussing a client's or prospect's Auto insurance. To do so would require that we spend a full day with each possible prospect. We should do a good job of cross-marketing, but there is no legal requirement that we do so. We are doing a tremendous disservice to the independent insurance agent if we create additional legal liabilities where none existed before, ' he ... : It is unreasonable to expect an insurance agent to attempt to sell every product for which he or she is licensed. There is no legal requirement for an agent to determine the need and attempt to sell mutual funds, Life, Disability, Major Medical, Long-Term Care, Medicare Supplement, et cetera while discussing a client's or prospect's Auto insurance. To do so would require that we spend a full day with each possible prospect. We should do a good job of cross-marketing, but there is no legal requirement that we do ... . We are doing a tremendous disservice to the independent insurance agent if we create additional legal liabilities where none existed before, ' he continued. I can see the possibility of some enterprising plaintiff trying to convince a judge and jury that the agent violated some fictitious duty, based on your premise. It is extremely important that this point be clarified. I wish I could agree, but I can't. The courts have clearly placed on professionals numerous duties of care and delivery of professional advice within their realm of expertise-without the lay-client having to ...

... on how a claim might be paid. Provide guidance on how the claims process works and how long it will take before a decision is made. Clients who are told they will hear about the claim in a week are more patient than those who wait only a day but expected a two-hour turnaround. As far as E&O threats are concerned, the handling of a claim is where the rubber meets the road. Handling a claim promptly and professionally will keep your clients happy-which is a large part of avoiding E&O claims ... , I notified the auto dealer of the damage. I also notified my agent, who had me fill out the appropriate claims report. When I asked my agent how my policy would respond, he advised me, Don't worry about it, your policy should take care of the damages. Unfortunately, he provided me with this opinion without checking with the company. In actuality, because of a clause in my policy, my carrier paid the deductible on the auto dealer's coverage, and the rest of the claim has been submitted to ... pull into the parking garage. Little did I realize that the van was higher than the height of the parking garage, and I cracked the top of the van. The damage came to $1 ,300. When I got back home, I notified the auto dealer of the damage. I also notified my agent, who had me fill out the appropriate claims report. When I asked my agent how my policy would respond, he advised me, Don't worry about it, your policy should take care of the damages. ...

.... My clients already know that most days will find me sitting at the computer ...oor-opener to discuss their Long-Term Care, Estate Planning, and other needs. ...