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...is telemarketing effort. While independent agents for the most part haven't i...l the information for this story by telephone.

... to coverage. Employees might not otherwise be able to obtain or even be offered these coverages in the regular marketplace. Employees in mid- and low-income brackets are not normally targeted by agents or carriers for the products offered. Payroll deduction can be a boon to the independent agent who goes about selling it correctly. And the benefits to both the employer and employees make the selling job easier. CONS When talking about the negative aspects of selling voluntary payroll deduction employee benefits, one has to look at the different approaches an agent can ... or a combination of them. The agent can also sell specialized payroll deduction plans such as Section 125 plans (these plans are discussed later in this campaign) . The concept of payroll deduction is simple: An employer provides employees the opportunity to purchase these products by paying premiums out of each paycheck. Premiums are automatically deducted from the employee's pay. Most often, these plans are used as a supplement to the insured's company-paid Group plan. The variety and arrangement of plans available depends on the insurance carrier through which the plans are ... firms will vary in the types of services they provide, so check this out carefully before signing any agreements. This administrative work includes billing, re-enrollment, correspondence, and much more. 10. Easy-access Service: Individual insureds should be provided with a toll-free or local telephone number they can call when any policy service problems or claims arise. A full client service center should be in place at the firm's office. This prevents insureds from having to deal directly with an insurance company's office, and prevents you, the agent, from ...

... deduction can be a boon to the independent agent who goes about selling it co... and cuts down on the probability of errors. independent agency system is by and large stil...t on the morale of the other employees and the overall productivity of the agency, and yet the owners feel that they canno...