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... to market programs. Once the program moves to company technicians, the consultant must negotiate with the underwriters and have the educational qualifications to answer their questions to complete the program with a good market. CASE STUDY Let's consider the placement of a general agency agreement for a hospital malpractice program requiring a $25 million occurrence limit. The first concern is to determine how many companies have the net worth to issue a $25 million gross policy limit before treaty or facultative reinsurance. Understanding this basic marketing strategy could save weeks of market research ... Suppose the general agency has already built a favorable relationship with a direct writing reinsurance market. This limits the consultant because the direct writer has determined the terms and conditions of the reinsurance and controls the type of company security required. This could hamper the consultant with excessively stringent reinsurance terms. An effective consultant should have access to markets that use reinsurance intermediaries as their exclusive source of production. The agent is better protected when no one company dominates the reinsurance market. With the continuing vertical integration in the reinsurance business, suppose that a ... the general agent. If this is what an agent wants, they should inform the consultant at the beginning. TYPES OF PROGRAMS Consultants must have a broad understanding of the P/C business: Hospital Malpractice, Agents E&O , Private Passenger Auto Liability, Contractors Liability, Auto Default insurance, Crane Rigging Contractors, Truck insurance, Yacht insurance, Amusement Park risks, Hazardous Waste Haulers, Homeowners insurance. Consultants must be able to use agent-clients in-depth knowledge to accelerate their learning curve in all of these product lines ...

... could hamper the consultant with excessively stringent reinsurance terms. An ...E&O, Private Passenger Auto Liability, Contractors Liability, Auto Default insurance, Crane R...

... be interested in any Umbrella or Excess Liability policy that extends your Auto and Homeowners liability coverage to $1 million or more? ... professional, do you have Property Liability add Professional Liability or Malpractice insurance? ...

...u be interested in an Umbrella or Excess Liability policy that extends your Automobile and Homeowners Liability coverage to $1 million or more? ... like a quotation for your Property Liability and Professional Liability or Malpractice insurance? ...

... _ &# 160 &# 160 8. Are you aware that Accidental Death and Disability insurance for you and your family is available at low cost? &# 160 &# 160 9. Is your Health insurance up to date? (Consider recent increases in hospital rates.) &# 160 &# 160 10. Are you interested in discussing Life insurance within the next year? &# 160 &# 160 11. If you are a self-employed professional, would you like a quotation for your Property Liability and Professional ... &# 160 13.Are you currently engaged in any form of farming or ranching? &# 160 &# 160 14.Do you conduct any business or give private lessons in your home? &# 160 &# 160 15. Would you be interested in an Umbrella or Excess Liability policy that extends your Automobile and Homeowners Liability coverage to $1 million or more? &# 160*Coverage for questions 1-7 may be limited or excluded under your policy. OTHER PERSONAL INSURANCE YES NO &# 160 &# 160 1. Do you ... Disability Income insurance in case you become sick or disabled? &# 160 &# 160 2. Are you concerned about estate taxes? &# 160 &# 160 3. Do you have a Mortgage Redemption insurance policy (which pays off your house in the event of your death)? &# 160 &# 160 4. Are all members of your family protected by Life insurance? &# 160 &# 160 5. Would you like a review of the beneficiaries, ownership, and cash values (if any ...