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... customer profiles manually was simply impossible. Insurers relied on broad customer segments and statistical models that averaged risk across groups. This approach made economic sense before modern computational capacity existed. Low-risk customers subsidized high-risk ones. High-risk customers sometimes paid more than their actual exposure warranted, while low-risk customers effectively overpaid. An intelligent insurance policy management platform changes this equation entirely. Machine learning algorithms assess diverse data points than human underwriters can evaluate. This enables policy systems to discover patterns across customer behavior, property characteristics, location data, claims history, and behavioral indicators. The outcome is pricing that reflects individual reality rather than group averages. Consider a homeowner in a wildfire risk region. Traditional underwriting applied a standard premium rise to all properties in that area. Modern AI systems assess satellite imagery, local fire department ... When Prevention Beats Claims Insurance traditionally operated reactively. Customers bought coverage and insurers paid claims when they occurred. This transactional model focused on claims management after losses happened. An intelligent insurance policy management platform inverts this model fundamentally. When insurers can predict where losses are likely, they help customers prevent those losses before they happen, serving everyone's interests: customers avoid disruption, insurers reduce claims costs, and society becomes safer. How Prediction Enables Prevention Advanced analytics identify patterns humans would miss working with manual processes. A system analyzing thousands of commercial buildings might identify that specific HVAC configurations experience higher water damage rates. Instead of simply pricing this risk higher, the system recommends specific preventive actions tailored to each building. Auto insurance with telematics identifies segments where drivers struggle. Rather than imposing higher rates universally, ...

... x No Thanks Loading.. Accommodating Alcoholism On The Job 12/17/2014 by Don Phin This content has not been rated yet. ACCOMMODATING ALCOHOLISM ON THE JOB by Don Phin A Legal Report from the Society for Human Resource Management went into depth about this unique challenge. Here are some guidelines for employers: You may prohibit employees from using or being under the influence of alcohol at work. You may hold alcohol-dependent employees to the same performance and behavior standards as non-alcoholics. You may discipline or discharge employees for inappropriate conduct generated by alcohol abuse, as long as you're applying the same standards to all employees. If an employee appears to be inebriated, you may ask them if they're under the influence. The courts are divided on whether alcohol dependency is a disability under the ADA. ... x No Thanks Loading.. Accommodating Alcoholism On The Job 12/17/2014 by Don Phin This content has not been rated yet. ACCOMMODATING ALCOHOLISM ON THE JOB by Don Phin A Legal Report from the Society for Human Resource Management went into depth about this unique challenge. Here are some guidelines for employers: You may prohibit employees from using or being under the influence of alcohol at work. You may hold alcohol-dependent employees to the same performance and behavior standards as non-alcoholics. You may discipline or discharge employees for inappropriate conduct generated by alcohol abuse, as long as you're applying the same standards to all employees. If an employee appears to be inebriated, you may ask them if they're under the influence. The courts are divided on whether alcohol dependency is a disability under the ADA. ...

... economy. The vast majority were founded and managed by honest, hard-working entrepreneurs. For many of these stalwarts in business, ethical behavior isn't something they learned in a seminar — it's natural. It's who they are. I've also seen a groundswell of spirituality beginning to surface in the business arena — not religion, but spirituality. Although religion might provide the underpinnings, I'm talking about the essence of human behavior. This behavior supports the positive facets of an individual, puts the greater good ahead of individual gain, empowers one person to benefit another, and penalizes (rather than rewards) avarice and greed. We've all been victims of an egomaniac at one time or another. Their self-inflated ego limits their educability. Their only concern is self-interest. I think of "ego" as an acronym ... Hundreds of thousands of small to medium-sized businesses that form the foundation of our economy were founded and managed by honest, hard-working entrepreneurs. For many of these stalwarts in business, ethical behavior isn't something they learned in a seminar — it's natural. It's who they are. Jack Burke explains that good leaders don't manage numbers; they have the tools for a deeper understanding of business as it relates to society. Warren Bennis has been the proverbial leader when it comes to leadership, having written more than 25 books on the subject during the past 40 years. In Old Dogs, New Tricks, Bennis wrote: "Today's leader has to take into account all of the stakeholders and not just the shareholders. The individual has to create a balance among these groups, despite the fact that, collectively ...

... , handwritten letter from the doctor. He acknowledged the value that "Mac" had brought to our lives, talked about the home we had provided for him, and confirmed the fact that we had made the right decision. He then went on to offer his heart and his ear if we needed to talk about anything related to our grief. I have never experienced that level of compassion and human connectivity from a human medical provider or any other professional service provider. As a young man selling automobiles in an Oldsmobile dealership, I still remember my most effective marketing campaign. Olds had a special Cutlass pricing promotion where a $3 ,682 sticker Cutlass was selling for $3 ,288. Using names and addresses from the service department files, I began handwriting and addressing 20 postcards per ... Reagan to Soviet President Gorbachev. The letters aren't about politics; they're written conversations between two men. The letters often began with questions about the health of Gorbachev's family and personal anecdotes about the Reagans. Those intimate letters helped end the Cold War and provide a foundation for the future. The Power of the Pen The power of the pen has risen exponentially in proportion to the increasing techno-focus of today's society. I recently had the opportunity to present a daylong workshop for the Kansas Young Agents Association. I talked about the power of handwritten notes and letters in opening doors and nurturing relationships. About a week later, I received a handwritten thank-you note from one of the attendees. Ironically, this attendee (Richard Gray of Chris-Leef General Agency) was the only one of my generation in attendance, ...

... , and Vince Lombardi? Why are these people, and other famous individuals, so well-known for their accomplishments? What was the driving force behind each that compelled them to achieve greatness? Simply stated, these individuals were self-motivated. From the moment of birth, individuals are exposed to others' likes, prejudices, preferences, attitudes, and behaviors through the long process of conditioning. However, while humans are products of their environment, the power of choice always exists. Individuals can't always control the environment, but they can control their thoughts. As William James said in the book, As A Man Thinketh, As a being of power, intelligence and love, and Lord of his own thoughts, man holds the key to every situation and contains within himself that transforming and regenerative agency by ... or avoided, then they will be motivated by their own attitudes. When individuals know what's in it for them, they know why they want something, what's important to them, and how they're going to feel when they have it. Figuring out what a person wants, why it is wanted, and the feeling of getting it should all be relatively simple; but it's not. In today's society, people are surrounded with so many options, opportunities, information, and influences that it makes choosing difficult and confusing. The challenge, as author Paul J. Meyer states is, If you're not making the progress you would like to make and are capable of making, it's simply because your goals are not clearly defined. Goal setting is the strongest human force in the process of developing self-motivation ...

... to attach leads and clients to your specific market searches, with e-mail alerts for all the market, articles, blogs and people searches you make. And much more! All Articles by CompleteMarkets Editor Monetization type: None Comments (0 ) There are no comments posted. Search Articles/Libraries Select a Category All Benefits & Financial Services Commercial Lines Insurance Careers Communications Customer Service Financial/Accounting General Articles Human Resources Legal and E&O Letters (Customer Service) Letters (Sales) Life/Financial Services Management Marketing Marketing Agency of the Month Organizational Profiles Personal Lines Planning Questions & Answers Risk Management Selling 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 ... rated yet. The previous article in this series reviewed the first two sections of the RQ. In this document, Richard Weber examines the next section of the RQ that explores possible differences between two policies and gets to the critical bottom line: How many years from now before the proposed policy's cash surrender values and death benefits exceed those benefits in the current policy? There's an important continuum between the Society of Financial Service Professional's IQ and the American Society of CLU & ChFC's Replacement Questionnaire (RQ) . The IQ helps the agent understand the assumptions the insurance carrier has made in developing and selling the policy and which are then incorporated into a sales illustration. This is especially important because many of the key pricing assumptions are not part of the disclosures in the illustration. But since agents often use ...

... to attach leads and clients to your specific market searches, with e-mail alerts for all the market, articles, blogs and people searches you make. And much more! All Articles by CompleteMarkets Editor Monetization type: None Comments (0 ) There are no comments posted. Search Articles/Libraries Select a Category All Benefits & Financial Services Commercial Lines Insurance Careers Communications Customer Service Financial/Accounting General Articles Human Resources Legal and E&O Letters (Customer Service) Letters (Sales) Life/Financial Services Management Marketing Marketing Agency of the Month Organizational Profiles Personal Lines Planning Questions & Answers Risk Management Selling 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 ... not help policy owners of Executive Life products, as the California Commissioner negotiated a sale of the company's assets at a substantial discount over what those assets would be worth within a year of their disposition. As the industry began to repair its finances, dignity, and reputation, the various agents organizations were under intense pressure to do something to regain consumer confidence. Perhaps the most proactive association was the Society of Financial Service Professionals (then the American Society of CLU & ChFC) . Its groundbreaking Illustration Questionnaire helped tens of thousands of agents to better understand the basis on which policy illustrations are calculated. It also encouraged agents and home offices to be aware of the true nature of the current assumptions — and the projection of those assumptions over 30, 40, 50, and sometimes even 60 years ...

... to attach leads and clients to your specific market searches, with e-mail alerts for all the market, articles, blogs and people searches you make. And much more! All Articles by CompleteMarkets Editor Monetization type: None Comments (0 ) There are no comments posted. Search Articles/Libraries Select a Category All Benefits & Financial Services Commercial Lines Insurance Careers Communications Customer Service Financial/Accounting General Articles Human Resources Legal and E&O Letters (Customer Service) Letters (Sales) Life/Financial Services Management Marketing Marketing Agency of the Month Organizational Profiles Personal Lines Planning Questions & Answers Risk Management Selling 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 ... ' admonition to their children — don't lie to me, ' our culture doesn't accept lying. Accuse a friend (or, God forbid, an enemy) of being a liar, and be prepared for: Loss of a friend A fight A detailed explanation of circumstances (spin) All of the above We know lying is wrong. We don't do it. We don't condone it. Our society requires honesty. And when we must resolve conflicts peacefully (ours is a civilized society), we enter a courtroom and swear on a bible to tell the truth, the whole truth, and nothing but the truth, so help me God. We live by the rule of law. Now scroll down to the end of this article and take the Pop Quiz. Now that you've been tested ...

... been rated yet. When asked, 99% of employers will give a former worker's dates of employment. About one in three will say if the employee is "eligible for rehire." Unfortunately, less than 10% of employers will indicate the reason why an employee left their job or discuss their job qualifications, work habits, or personality traits. These statistics, courtesy of the Society for Human Resource Management, reveal a truism — although employers like to get information about job applicants, they're very hesitant to give out any. So, what's an employer to do? Look for inconsistencies when reviewing dates of hire. A gap in employment might reveal a hidden employer. Find out if the employee is "eligible for rehire." If two out of three employers are willing to answer ... has not been rated yet. When asked, 99% of employers will give a former worker's dates of employment. About one in three will say if the employee is "eligible for rehire." Unfortunately, less than 10% of employers will indicate the reason why an employee left their job or discuss their job qualifications, work habits, or personality traits. These statistics, courtesy of the Society for Human Resource Management, reveal a truism — although employers like to get information about job applicants, they're very hesitant to give out any. So, what's an employer to do? Look for inconsistencies when reviewing dates of hire. A gap in employment might reveal a hidden employer. Find out if the employee is "eligible for rehire." If two out of three employers are willing ...

... to attach leads and clients to your specific market searches, with e-mail alerts for all the market, articles, blogs and people searches you make. And much more! All Articles by CompleteMarkets Editor Monetization type: None Comments (0 ) There are no comments posted. Search Articles/Libraries Select a Category All Benefits & Financial Services Commercial Lines Insurance Careers Communications Customer Service Financial/Accounting General Articles Human Resources Legal and E&O Letters (Customer Service) Letters (Sales) Life/Financial Services Management Marketing Marketing Agency of the Month Organizational Profiles Personal Lines Planning Questions & Answers Risk Management Selling 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 ... walk and talk, meet and greet, smile and dial. Public relations is bigger than initiating a billboard campaign, running radio spots, or distributing brochures. It is the ongoing process of developing bonds with effective people and businesses in your community. It means sharing your knowledge with people who are important to you - in other words, educating them. Public relations focuses on making a positive connection with society. Who has time to embark on an all-out public relations campaign? You do - if you take it one step at a time. Two tools help you do this: membership in organizations and newsletters. ORGANIZATIONS Organizations provide an ideal arena for meeting and greeting' - that is, networking with people, which is one of the first objectives in an effective public relations campaign. Contributing to ...