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...s for agents and the high cost of housing and the often lengthy periods of non...ow they can have better control over housing costs and retain top-quality prod...

... relies on using computer technology to store and process information to create, target, and manage promotion campaigns. The required technology will vary in cost and complexity, depending on the current size of your business and your plans for growth. You will need a database to house information about customers, their transactions with your company, the promotions they have received, and any information you add to the database from external sources. You will probably find that this will need to be built with input from your existing billing and administrative system. ... Specialty Lines Technology Uncategorized Choose a Content Package All Member Content IMMS Library Jack Burke LIG Marine Managers USG Insurance Services, Inc. NIF Group Inc. PRS High Hazard/High Risk Workers' Compensation Business Insurance Insurance for Individuals and Families Personal Finance Search Titles only Search author Search Titles and content Show Results Loading.. Similar Articles Agency Bill Vs. Direct Bill: Avoid Confusion Sample Broker-Of-Record Letter Beyond The "Alpha Split": New Ways To Distribute Work Loads Commercial Lines Prospecting Letter Calculating Agency Value Content Packages This article is part of ... : deliver the right message about the right product, at the right price, to the right consumer, at the right time, in the right way. As our efforts approach this ideal, sales success ought to follow. INTERACTIVE AND INDIVIDUAL What sets database marketing apart from all other marketing channels is captured in two words: "interactive" and "individual." Database marketing is interactive. It builds and sustains a relationship between seller and buyer in which the buyer responds to the seller in a meaningful way. The response ...

...e safer suburbs, rather than in apartments, where many people of that generati...

... take the matter to the department of insurance and call for a public hearing. It's likely that the insurer doesn't know what's going on at the local level. Sadly, some people are probably going to lose their jobs. But if the company can clean its own house, they'll be better off than if the DOI intervenes and revokes their license — and livelihood. The saddest thing is that the well-being of innocent families is being threatened — and they don't even know it. Reproduced, with permission, from the VuPoint Newsletter of ... the insurance laws if these policy forms are filed and approved by the department of insurance? Sounds like they're effectively issuing orally modified contracts, probably in violation of filing requirements. Since these agents are representatives of the insurer, I suspect they're jeopardizing the company's certificate of authority with this practice, not to mention taking advantage of consumers to make a sale. FACULTY RESPONSE The guaranteed home replacement' endorsement goes by several names. In my experience, every company that offered it required 100% insurance-to-value to add it. It was cheap ... concerns over mold and other issues) has a tendency to bring out the dark side' in some agents. FACULTY RESPONSE The Oakland-Berkeley Hills, CA firestorm of 1991 resulted in 3,236 total and 2,892 partial Homeowner, Renter, Condominium, Dwelling and Apartment unit losses. Several agents were undervaluing building replacement cost estimates and relying on the guaranteed replacement cost provisions to cover the difference. The practice became evident quickly as the losses were being adjusted. The increased cost to 34 insurance companies who upgraded and reformed policies following ...

... marketing is carefully planned and effectively implemented, you can expect a variety of positive, business-building results! John R. Graham is president of Graham Communications, a marketing services and sales consulting firm. Mr. Graham is the author of The New Magnet Marketing (Chandler House Press), the updated version of his original book, Magnet Marketing, and of 203 Ways To Be Supremely Successful In The New World Of Selling (Macmillan Spectrum) . He can be contacted at 40 Oval Road, Quincy, MA 02170 (800) ... your marketing program is on track. If marketing is carefully planned and effectively implemented, you can expect a variety of positive, business-building results! John R. Graham is president of Graham Communications, a marketing services and sales consulting firm. Mr. Graham is the author of The New Magnet Marketing (Chandler House Press), the updated version of his original book, Magnet Marketing, and of 203 Ways To Be Supremely Successful In The New World Of Selling (Macmillan Spectrum) . He can be contacted at 40 Oval Road ... make it attractive to both customers and prospects. We need to communicate our company's capabilities. This isn't just listing the equipment on the production floor or the number of service representatives. The best way to differentiate a business is through its level of knowledge that sets it apart from everyone else in the field. An effective marketing program gives a company a long-term orientation. American business seems to be suffering from The McDonald's Syndrome'; The quicker the better' has become the dominant business philosophy. We think only in terms of a ...

... agents, or spotting recruits with the potential of becoming good Life agents, is shrouded in a thick fog. Some of the larger Life carriers used to spend more than $125,000 to locate, test, evaluate, contract, train, manage, and house one new agent through the first two years. And yet, even with that expense and time, 80% of those agents left after five years. Many established companies no longer go that route. Fortunately for P/C agencies, recruitment is much shorter ... Specialty Lines Technology Uncategorized Choose a Content Package All Member Content IMMS Library Jack Burke LIG Marine Managers USG Insurance Services, Inc. NIF Group Inc. PRS High Hazard/High Risk Workers' Compensation Business Insurance Insurance for Individuals and Families Personal Finance Search Titles only Search author Search Titles and content Show Results Loading.. Similar Articles Sample Telemarketing Scripts Agency Bill Vs. Direct Bill: Avoid Confusion How To Cancel A Policy . . . Correctly Sample Broker-Of-Record Letter Cross-Sell Letter Content Packages This article is part of the IMMS Library , which contains ... than 2451 documents published by industry-leading authors. (Hidden) Categories Benefits & Financial Services (53) Commercial Lines (93) Communications (629) Customer Service (530) Financial/Accounting (314) General Articles (572) Human Resources (652) Insurance Careers (36) Legal and E&O (317) Letters (Customer Service) (335) Letters (Sales) (323) Life/Financial Services (128) Management (1349) Marketing (654) Marketing Agency of the Month (22) ...

... When faced with a renewal decision or the need to change coverage, the most recently seen name generally leaps to mind. Industry figures show that the average agency is in touch with its customers only once or twice a year. On the other hand, the alphabet houses and large direct writers continually bombard consumers with advertising that builds credibility and name recognition. And the competition is going after every segment of the marketplace, large and small. Newsletters counteract the competition with a cost-effective method of keeping your name and your services at the ... Specialty Lines Technology Uncategorized Choose a Content Package All Member Content IMMS Library Jack Burke LIG Marine Managers USG Insurance Services, Inc. NIF Group Inc. PRS High Hazard/High Risk Workers' Compensation Business Insurance Insurance for Individuals and Families Personal Finance Search Titles only Search author Search Titles and content Show Results Loading.. Similar Articles Sample Telemarketing Scripts Let's Talk About Agency Procedures Again Dedicated' Agency Management Agency Automation: E&O Friend Or Foe? — Part 4 You Can't Get There From Here! ' - A New Map For ... Success Content Packages This article is part of the IMMS Library , which contains more than 2451 documents published by industry-leading authors. (Hidden) Categories Benefits & Financial Services (53) Commercial Lines (93) Communications (629) Customer Service (530) Financial/Accounting (314) General Articles (572) Human Resources (652) Insurance Careers (36) Legal and E&O (317) Letters (Customer Service) (335) Letters (Sales) (323) Life/Financial Services (128) Management ...

... the owner's willingness and ability to delegate sales and servicing functions to others. To do this, the owner must be comfortable with the ability of the employees to handle the insureds appropriately. If this isn't the case, to break through this plateau you'll need to clean house and hire people who will provide this level of comfort. Some tough personnel decisions might have to be made. THE MANAGEMENT PLATEAU With determination, hard work, a change in attitude, and a little bit of luck, an agency will leave the initial sales ... the luxury of a full-time manager. As an interim measure, agency owners often appoint working supervisors in several departments to help with day-to-day management duties. This move works in some cases, but in others the "appointment" itself becomes the designated solution and the necessary authority is not delegated to go along with the new responsibilities. If adding a new supervisory level in the agency hasn't relieved the owners of basic management duties, you're doing something wrong and will need to start over. The most frequent mistake that agents make in appointing ... point. Unfortunately, this agency scenario is all too common. Enough new business is produced to keep the organization on a steady growth curve, and morale is good. Then, almost overnight, the bottom drops out. The system that was running so smoothly falls apart and the well-oiled team grinds to a cranky halt. Another agency has fallen victim to its own success. There are several common growth plateaus beyond which it's difficult for an insurance agency to expand. When an organization has outgrown one structure and is having difficulty evolving ...

...ts. For example, if there’s a new housing development in your area, prepare a...

... Service office, ' says DeGasperin, is that instead of special parking places in front of these [rental] places being set aside for handicapped parking, they ought to label them for law enforcement parking. One way to combat this problem is to contact the Issuers Clearing House for MasterCard and Visa, which assists issuers to identify bad addresses. Another is to obtain a list of mail drops in a particular area. There's also an investigator's chat line with online discussions about ongoing investigations and recently solved crimes. Members of the International Association ... for? How can they be contacted? Here's an in-depth look: THE POSTAL INSPECTION SERVICE The Postal Inspection Service is one of our country's oldest federal law enforcement agencies. Each of the 2,400 U.S. Postal inspectors is a federal law enforcement agent with the authorization to carry a firearm and make arrests. Benjamin Franklin was the first Postal Inspector. The mail statute, enacted in 1872, allows the investigation of suspected fraud, misrepresentation, deception, and deceit by individuals who use the U.S. mails to obtain goods or ... FRAUD Yet another problem that has plagued the investigative industry is the use of mail drops. For a low monthly fee, a credit card thief can assure anonymity by renting an address. Such an address may look valid to the untrained eye - 123 Main Street, Apartment 203, Anytown, Anystate - but in actuality the address is a 3'x5' box obtained with a minimum of identification. A favorite joke around the Postal Inspection Service office, ' says DeGasperin, is that instead of special parking places in front of these [ ...