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... a second home or any other real property, such as a cabin, farm property, or any income-producing property? ...would you like a quotation for your Property Liability and Professional Liabil...

... Veterinarians and/or Animal Hospitals   L. 5 -- Auto Parts Whol...t 10 direct-mail prospects (on some property and casualty need, especially 'Co...

.... Humana, a nation-wide chain of hospitals that offers HMOs, bought IMC. In 19...o claim an agent's insureds as its 'property or chattel,' and agents should no...

...LAIMS Auto [ ] Bodily Injury [ ] Property Damage [ ] Liability-non-Auto [ ] Ac...

...oyees. You currently write their Property and Casualty, Workers' Comp, Medical...

...Operations (Advised Upfront) Property Mgmt. Janitorial/ Residential Cl...

... are advised to maintain some level of separate coverage if their employer's coverage is not adequate. A personal policy also is good insurance in the event that you are laid off and, due to health problems, would not be able to get coverage for a new life insurance policy. &# 160 Health Insurance. Covers costs related to your health and your family's health, such as doctor visits, hospital expenses, and diagnostic tests. While many employers provide some level of health insurance, you may need to supplement the coverage or, when self-employed, secure health insurance for you and your family. &# 160 Disability Insurance. Pays the individual(s ) covered for income lost due to a disabling injury or illness. It enables your earning power to continue even if your earnings do not ... revisit your insurance coverage as changes in your life alter your financial security needs. &# 160 Your stage in life often determines the type of insurance and amount of coverage you need. Life stage is defined by &# 160 Age &# 160 Marital status (single, married, widowed, divorced) &# 160 Parent or childless &# 160 Own or rent a home or other major property &# 160 Employed or unemployed &# 160 Work in traditional setting or at home &# 160 Own business or employed by others &# 160 Life Stage Defines Need &# 160 Various factors significantly impact the types and comprehensives of insurance you and your family or business require. &# 160 For example, a single woman just beginning a career might not be interested in or able to ...

...wn or rent a home or other major property   Employed or un...owners insurance may cover business property within specified limits, it typic...

... Client Name ____ Address ____ Phone: Home ____ Business ____ 1. AUTO [ ] additional [ ] new [ ] eliminate child as driver on account of marriage 2. BOAT [ ] Accident coverage 3. HOMEOWNER [ ] mortgage [ ] building addition [ ] additional location [ ] selling house 4. FAMILY [ ] parent or relative recently deceased [ ] parent or relative recently hospitalized [ ] new job [ ] new baby or [ ] grandchild [ ] any marriage or [ ] remarriage [ ] divorce [ ] active in charity, church, etc. 5. VACATION [ ] estimated departure date ____ 6. CLAIMS Auto [ ] Bodily Injury [ ] Property Damage [ ] Liability-non-Auto [ ] Accident- (non-Auto), first party [ ] Fire, extended coverage ... ] Crime [ ] Hospital 7. [ ] TOTAL PREMIUM MORE THAN $2 ,500 per year 8. [ ] TAX BRACKET 28% 9. [ ] INSURABILITY PROBLEMS [ ] uninsurable or rated in Life, Health [ ] has a health problem [ ] insureds [ ] in family 10. OUT-OF-DATE POLICIES [ ] has Life policies five years or older [ ] has Accident and Sickness policies five years or older [ ] has Medical Expense policies five years or older 11. OTHER: ____ COMMENTS: DATE: ____ Lead Originator: ____ David Goodwin, a former P/C agency principal, is an insurance cross-selling consultant who distributes Life and Life-related products nationwide. He can be reached at P.O. Box 54-6661, Surfside, FL 33154-0661, (305) 865-0158, ...

... a mainstay in the most successful agencies. 6. Become Involved. Every business operates within a community: local, regional, or national. Most of the truly successful enterprises I have known maintain a corporate philosophy of giving back to the community. Do you? I'm not just talking about membership in the Rotary. I mean getting involved on a hands-on basis: perhaps fundraising for an orphanage or hospital, or providing assistance in the schools. Don't forget to support and promote such participation by your employees. 7. Focus On Your Marketing. Most marketing and advertising is very helter-skelter, due to the reasons pointed out in Step 1. If you haven't defined who you are and what you do, how can you market your business? Conduct a top-to-bottom analysis of all your current marketing, ... something else? This problem is not unique to insurance. Every business faces it. The successful businesses in every industry are the ones that maximize their business with every client. Most Commercial Lines agencies could grow by leaps and bounds if they went after all the potential business available from existing clients. For instance, let's say one client is a manufacturing concern with 45 employees. You currently write their Property and Casualty, Workers' Comp, Medical and other exposures intrinsic to that business. Each year after renewal, you breath a sigh of relief and pocket the revenue generated from their premium. A job well done? Maybe, maybe not! Have you considered the individual insurance needs from Auto and Home to Life and Disability for each of those 45 employees, from the president on down, ...