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... in danger of lapsing while the travelers are away, and also advise about the potential problems. For example, many Medical Expense plans-HMOs, PPOs, Blue Cross/Blue Shield plans, and the employers' self-funded plans-reduce, restrict, or even exclude coverages away from home areas. It is important, therefore, to review Group certificates of coverage, as well as policies. A Life/Health producer will also examine the Life policies, of course, to identify possible improvements. There will probably be many; hardly any existing ... vacation plans during any conversation, also offering a gift. You could advertise in the local media. And you could arrange for travel agencies to relate your gift offer, perhaps as a joint service. (Some P/C agencies use travel as a primary business builder; that's a topic for a future issue.) After you've gathered a list of prospects, agency insureds should be identified (perhaps by number-code or color-coded cards) and distinguished from non-clients. Next, the service offered is a review of all insurance policies-P/ ... areas. It is important, therefore, to review Group certificates of coverage, as well as policies. A Life/Health producer will also examine the Life policies, of course, to identify possible improvements. There will probably be many; hardly any existing Life program is beyond serious improvement potential. Many participating policies have serious dollars fast asleep, unknown to their owners, in the form of accumulated dividends or in cash values of paid-up additions. Life producer(s ) should address these, and many other, potentials for ...

...r even exclude coverages away from home areas. It is important, therefore, to ...nd other high-value items can exhaust Homeowners polices' off-premises limits ...

...originated from the North Carolina Home Builders Association Self Insurers Fun...-optimized areas in large contractor programs.