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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...

...An E&O Suit: Mention All Services Today!
Can a P/C agent lose a lawsuit for...d on professionals numerous duties of care and delivery of professional advic...

... 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...

... the most confusing issue facing buyers of Life insurance is to understand the purpose of illustration, and the basis of calculation. To seasoned agents, it was simple: pay the premium and the insurance was permanent. Those of us who grew up in the good old days' of Whole Life knew that it could only get better, never worse (unless, of course, the agent portrayed the purchase as a vanishing premium') . With interest rates falling in 2000-2002 much as they did in the late 1980s to the early ... , an illustration can't predict the price of a policy, and can't be used to choose one policy over another. Richard M. Weber, MBA, CLU is president of The Ethical Edge, Inc., a consulting firm that advises Life insurance professsionals on due care and ethical practices to help them grow their volume and income. For more information, phone or fax (760) 652-0408, e-mail [email protected] , or visit www.ethicaledge.biz . Login or Register (for FREE) to gain access to thousands of other great ... . 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 Life/Health & Benefits Professionals Online newsletters and ...

...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....

... two reasons a new Life producer will fail in your agency: One, you picked the wrong person, or two, you didn't properly train and supervise the new producer. (Training and supervision are covered later in this Life Personnel' section.) FORECASTING The day the producer agrees to accept employment with you, write down on a piece of paper exactly what you think of that producer on that day. Write down what you think of the producer's potential, characteristics, and weaknesses, and file it. In a year ... meet with the producer to review the past year and plan the next year's objectives. At the monthly meeting you should help the producer achieve yearly goals by reviewing the past month's progress and preparing the next month's goals. The weekly individual sales planning conference is a very careful analysis of the producer's weekly activities, based on results versus objectives. On a daily basis, the producer should be keeping track of records. Job discipline: You should set up whatever system you feel appropriate to track prospect and client results. This can be ... learned) . Give the producer your fact-finding form and have him or her study it and memorize questions to be asked (see your Sales and Marketing' section for questions and the form) . Have the producer read and study basic company materials on product knowledge, supplemented by the Sales Campaigns' found in this Agent's Guide. Provide the producer with a set of activity and result objectives, following the guidelines in your Supervision' section. Have the Life producer share objectives with in-house agency support staff so they'll feel a part of ...

... 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 ...