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Term Insurance: Module V-D
  TERM INSURANCE: MODULE V-D   THE COVERAGE Term Life insurance is the purest form of Life insurance-it provides only for death protection with no cash values or interest-sensitive features. Term policies pay only if the insured dies with in the policy period. Most Term policies ...e low rates, and ask for the appointment. Then proceed with the remaining steps in the sales process. Also, make it a policy to ask about Life insurance on the owner whenever you insure a new business or make changes to existing business policies for small business owners. Your question could lead to the sale of Term insurance to your Commercial clients for many business Life insurance purposes. A fledgling or small business won't be able to afford to tie up its liquidity and cash in a cash value Life insurance account where it might get pe...

Emerging E&O Loss Exposures
With so many new concepts, new types of business, and changes in existing insurance products, insurance agents need to be more diligent than ever in analyzing their Errors and Omissions risks and e...USION These are only a few of the emerging E&O exposures that agencies face. Making sure producers and staff know about them and practicing due diligence in day-to-day activities will go a long way toward reducing agency exposures. There’s no guarantee that asking the proper questions and taking appropriate action will prevent an E&O, but doing nothing is certain to leave an agency in a poor position to defend itself. Du...

... Some agents are deliberately underinsuring homes under an HO policy because their...the University Faculty offer expertise in every aspect of agency management and marketing. Many of these faculty members are available for in-house training or consulting. For contact information on faculty members, click h...

... /Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Working In My Swimming Trunks: Home-Based Opportunities 4/30/2013 12:00:00 AM by Jack Burke This content has not been rated yet. Millions of Americans operate businesses from their homes. This document by Jack Burke offers recommendations for using cross-selling to tap into this lucrative source of sales and earnings. Don't laugh too hard. My clients already know that most days will find me sitting at the computer or in front of the microphone in my ... O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Working In My Swimming Trunks: Home-Based Opportunities 4/30/2013 12:00:00 AM by Jack Burke This content has not been rated yet. Millions of Americans operate businesses from their homes. This document by Jack Burke offers recommendations for using cross-selling to tap into this lucrative source of sales and earnings. Don't laugh too hard. My clients already know that most days will find me sitting at the computer or in front of the ... " during the course of the day. The restorative factor of several 10-minute breaks to swim a few laps is better than a good night's sleep. Today I'd be hard-pressed to ever return to a normal office routine. So what does all this have to do with insurance? Recently our UPS driver arrived for the daily pickup looking as if he'd been through the wringer. As he explained, "If one more home business opens up, they're going to have to declare this a commercial route!" Apparently more than 50% ...

Types of insurance every company needs
Small businesses are essential for the economy of c...the one that fits you better. Every business industry has its own requirements, so you will have to check with the insurance provider what option will address the needs of your business.

Why Do You Need Business Insurance?
Most business owners would agree that it’s important to maintain insurance to protect business assets. When they think about insurance, business owners generally consider protection against hazards such as fire, flood or theft ...tection with the types of coverage outlined here. Since you invest so much time, money and effort into your business, it pays to make sure you have th...

Traditional Vs. E-Commerce Insurance
TRADITIONAL VS. E-COMMERCE INSURANCE   by Dave O'Neill   Managing e-business calls for a comprehensive risk manag... T. O'Neill is Vice President of e-Business Solutions for Zurich North America Financial Enterprises. He is responsible for directing the global marketing initiatives of Zurich North America Financial Enterprises' e-commerce insurance product, E-Risk.

Working In My Swimming Trunks: Home-Based Opportunities
Millions of Americans operate businesses from their homes. This document by...you afford to lose these home-based business clients when an aggressive competitor comes their way? Think about it.

Factors To Consider When Expanding Into Life Insurance
Despite concerns about life insurance company solvency and uncertainty over health-care reform, now is still...off competitors. They can help you retain clients and expand your business. More important, they can add profits to your bottom line, and that is a struggle we all want to win.

Service: Fumbling The Ball
Part one of this series b...e of bad service and unreasonable rate increases and find ways to pad the claim.' 'Nobody’s stupid. We recognize bad business practices when we experience them. The insurance industry is over-promising and under-delivering.'