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... . We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All long term care insurance Articles tagged with long term care insurance Back Long-Term Care Insurance: Another Cross-Marketing Door For P/C Agencies This content has not been rated yet. CompleteMarkets Editor , david goodwin 4/30/2013 12:00:00 AM The Long-term ... (LTC) family of products includes coverages for nursing homes, adult day care, home health care, assisted living facilities, and other related benefits. LTC has unique qualities, and there are many variations among the carriers. LTC isn't a new concept. The coverage has been around for decades, but only recently has it been widely discussed. With the new wave of interest in LTC, sales took off slowly, built up, and then leveled off. All of this activity adds up to this picture: A large ... of LTC prospects have heard about the product but haven't yet bought it. Why not? All Articles by CompleteMarkets Editor Comments (0 ) Long-Term Care Insurance: Not For Seniors Only! This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:40:04 PM LONG-TERM CARE INSURANCE: NOT FOR SENIORS ONLY! Imagine an insurance product that your clients will keep for 20 or 30 years, or longer, while continuing to pay you generous commissions.. All Articles by CompleteMarkets Editor Comments (0 ) ...

... . We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All long term care Articles tagged with long term care Back 10 Basic Planning Initiatives That Will Add To Your Bottom Line This content has not been rated yet. CompleteMarkets Editor , Ken Buehler 4/30/2013 12:00:00 AM 10 BASIC PLANNING INITIATIVES THAT ... ADD TO YOUR BOTTOM LINE by Ken Buehler The need for planning has never been greater. While planning focuses on profit.. All Articles by CompleteMarkets Editor Comments (0 ) Commercial Lines Marketing Plan: Part I This content has not been rated yet. CompleteMarkets Editor , Jack Fries 4/30/2013 12:00:00 AM Successful marketing of Commercial Lines requires a detailed plan. The first step is to assess where you are right now. In this first of a three-part series, Jack Fries examines the preliminary steps that ... agency should take in marketing Commercial Lines. All Articles by CompleteMarkets Editor Comments (0 ) Cross-Selling Financial Services: Today's Urgency This content has not been rated yet. CompleteMarkets Editor , david goodwin 4/30/2013 12:00:00 AM As an independent agent, you enjoy a unique potential to cross-sell financial services to your clients. Here's how to take advantage of this opportunity. All Articles by CompleteMarkets Editor Comments (0 ) Don't Wait For An E&O Suit: Mention All Services Today! This content has ...

... Long Term Care Insurance Another Cross Marketing Door For P C Agencies ...

Long-Term Care Insurance: Another Cross-Marketing Door For P/C Agencies
The Long-term Care (LTC) family of products includes coverages for nursing homes, adult day care, home health care, assisted living facilities, and other related benefits. LTC ha...

...where in the exposure analysis, as long as cost and effectiveness are kept in ... gained from eliminating the broker intermediary, since the direct writer has ...

...ided. Can't be discharged as long as the contractual obligation is fulfi... operating with a ratio below 100% as long as they can make their payments eve...

...f an otherwise qualified worker so long as it does not result in undue hardshi...ve dispute resolution, and under what terms it should be used. There is author...

... potential effect on corporate assets-and the greater the need for a risk-transfer vehicle, such as an insurance policy. The further below 5' the risk falls, the more viable it becomes to assume that risk. Loss-prevention techniques are appropriate anywhere in the exposure analysis, as long as cost and effectiveness are kept in perspective. Loss prevention must be the only consideration where injury or death, either to employees or the public, are concerned. No amount of cost cutting or saving can justify even a remote chance of injury or death. ... , and suppliers are often so daunted that they give up and rely on their suppliers to make decisions for them. Most suppliers and intermediaries act with the highest integrity toward their clients, the source of their income. However, it is only natural to think in terms of one's own best outcome, and a supplier of a product will always offer the best solution available from its own resources before considering alternatives. So anyone who has the responsibility of protecting a corporation's assets needs to understand basic steps to take in structuring a program ... endured and which risks will shut down your corporation. If we say that risks you can easily assume are rated 0 and those you cannot assume are a 10 (and must therefore be insured), then those that you have rated 1 through 9 need to be carefully considered for their impact. Exhibit 1 will give a clearer perspective on this issue. If the chance of a risk is a 10 (that is, if it would destroy the business), the risk would have to be insured or the operation could not ...

... by anyone in the agency. The agency can't set annual production goals or take any action if the contractor doesn't follow agency procedures. Must be in a position to realize a profit or suffer a loss as a result of the services provided. Can't be discharged as long as the contractual obligation is fulfilled. Can't terminate the relationship with the agency at will. Your agency has about a 10% chance of facing an IRS audit. If you're one of the unlucky few to get audited, you'll probably be dealing with the implications ... use the words noncompete' or noncompetition' anywhere in the employment agreement, including paragraph headings. Instead, refer specifically to everything the employee is restricted from taking, such as accounts, prospects, trade secrets, templates, computer programs and other employees. Define each term carefully. In most jurisdictions, judges determine that former employees should be allowed to continue working in the same industry after leaving an employer. Don't mention geographic boundaries in the contract, since nonpiracy (or nonsolicitation) applies to specific customers. The contract could be ... if restricted accounts are located outside stated boundaries. Include provisions for injunctive relief in the event of a breach, and specify a specific dollar amount or a well-defined formula for liquidated damages. If the agreement allows the producer to receive deferred compensation related to the book of business, tie non-piracy to that clause. Consider an option for the producer to buy all or part of the book instead of receiving the deferred compensation. EXEMPT/NONEXEMPT DISTINCTIONS Classifying employees as exempt from overtime pay has become an interesting challenge. An employee doesn't have ...

...n working family members who spend long hours on the job. When family emergenc...coverage and eligibility purposes, as long as the employer has a reasonable ex...