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...: Brush at least twice a day. Floss daily. ... To choose the most affordable dental care option for your loved ones’ needs, ...

... a rule of thumb, it takes 30 to 60 days to gather all the information necessa... the application and any required supplemental information are complete in eve...

...f financial counselor, spending the day 'designing programs,' 'creating estate...policy is designed to . . .'). No one cares what it was designed to do. They care what it does. Wrapping up: Be s...

...ical bills should be paid within 25 days of receipt to avoid duplicate payment...the claimant to go to an attorney, so careful investigation is needed to deter...

... of us who grew up in the 'good old days' of Whole Life knew that it could onl...The illustration attempts to project today’s experience — with respect to expe...

... for the lifetime of the employee's participation, either within the company or on direct bill should the employee terminate employment. An agent can also benefit from a payroll deduction program through client retention. Number one, you're offering a service that many people are talking about these days as costs of Group benefits rises. If you haven't offered it, chances are fairly good that someone else will at some time. Selling it to existing P/C clients ties them closer to you and isolates them further from your competition; selling it to ... that is ideal for use with certain types of employees. But then you run across a group that is perhaps more sophisticated and needs a different type of product-perhaps an interest-sensitive program. That carrier may not be strong in this area. Also, an agent should look carefully at carriers who offer enrollment services. Does the carrier have full-time enrollers, or does it use clerical employees whenever the need arises? Clerical employees will not know the business as well and may present different stories to your client's employees. If the carrier is not ... later in this campaign) . The concept of payroll deduction is simple: An employer provides employees the opportunity to purchase these products by paying premiums out of each paycheck. Premiums are automatically deducted from the employee's pay. Most often, these plans are used as a supplement to the insured's company-paid Group plan. The variety and arrangement of plans available depends on the insurance carrier through which the plans are written and the type of plan offered. The agent's role in selling these plans can also vary-from just selling the idea to the employer ...

...many people are talking about these days as costs of Group benefits rises. If ...vices they provide, so check this out carefully before signing any agreements....

... the electronic methods available today, there is on reason not to be able to ...you'll try to get the carrier to take care of an uninsured loss. Don't argue w...

... Who am I?" and "What do I have to offer?" The first answer most agents give is "service." This is a very comprehensive and subjective term. Service may mean fast turnaround on policy issuance, returning phone calls on the same day, looking for coverage changes and potential pitfalls, keeping abreast of information that may affect clients' businesses, fast claims service, or friendly and courteous phone service, etc. In practice, the meaning of service may vary for every client and prospect. How ... a result, some carriers are providing quotes on an unbundled basis by pricing a risk based only on those services the insured sees as necessary. While such situations usually apply to larger accounts, unbundling does offer an opportunity to compete strictly on price. However, be careful not to eliminate a service that a client needs. Taking unbundling to an extreme to get your price down can open your client to an uncovered loss and open you to an E&O claim. When careful analysis indicates unbundling to be justified, ... can save significant money by having the insured purchase comparable services from outside sources (e.g., contract claims administrators, risk control specialists) or by providing these services internally utilizing their own employees. Other ways to offset pricing include developing an understanding of supplemental services, which may not be provided by prospects, or other price-sensitive strategies that you can use in highly competitive situations. Examples include loss-control services, flexible payment plans, utilization of deductibles, manuscripted endorsements, and policies and customized coverages. Since rates and prices probably will continue ...

... One reality of today’s business climate is that price...probably will continue to be examined carefully by agents, risk managers, and ...