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...at he pays in losses. Thus, in the long run, insurance will cost twice as much...the loss computation. FPA. This is a term used in Marine insurance, meaning '...

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...

... 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 ...

...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...

... Cross/Blue Shield), Dental plans, Long-Term Care, Medigap, cafeteria plans, a...dividual Plans-These are usually very carefully underwritten before contracts ...

...roducts and services just rambled along as usual, purchasing 30- and 60-second.... We've been seeing the signs for a long time: The future is communications....

...be effective, though it involves a longer time frame than telemarketing. Whic...be reviewed frequently, when you're determining the success of your efforts an...

...s in which seller did business, so long as the buyer or someone taking title f...maintain life insurance, particularly term insurance. Life insurance can b...

... telemarketers. Simpler systems store prospecting information; more complex programs offer you the chance to track every telephone call from the first dial to the sale. You can monitor how many times your telemarketer dialed, connected, and spoke with the contact, and then track how long it took to make the appointment and whether or not a sale was made. This type of accountability allows you to determine who your best telemarketers and producers are, whether certain employees have more success with certain types of prospects, and so on. Some software ... routine, repetitive paperwork tasks. CSRs (and/or telemarketers) free producers from service work, prospecting, qualifying prospects, initial contacts (X-dates, appointments)- and, in some agencies, handle simple sales that may include Personal Lines, cross-sales, or Term Life conversions. These employees are now called Sales Center Assistants, and are managed by a Sales Center Coordinator. Producers devote their time and attention to what is their strength: selling. They keep appointments, complete applications, prepare surveys, compile and deliver proposals ... needs to develop sensitivity about the interruption process because the other person's mood or attitude over the phone will probably be affected by the activity that the call has interrupted. Second, the Coordinator must give the prospect a chance to talk, asking questions when necessary and listening carefully, especially for the objections that the individual raises when asked for information. Before the Coordinator can decide how to respond, it is necessary to listen and concentrate. COMMUNICATION COURSES. Communicating is a talent, but also a learned skill. A vast number of ...

... telemarketers. Simpler systems store prospecting information; more complex programs offer you the chance to track every telephone call from the first dial to the sale. You can monitor how many times your telemarketer dialed, connected, and spoke with the contact, and then track how long it took to make the appointment and whether or not a sale was made. This type of accountability allows you to determine who your best telemarketers and producers are, whether certain employees have more success with certain types of prospects, and so on. Some software ... routine, repetitive paperwork tasks. CSRs (and/or telemarketers) free producers from service work, prospecting, qualifying prospects, initial contacts (X-dates, appointments)- and, in some agencies, handle simple sales that may include Personal Lines, cross-sales, or Term Life conversions. These employees are now called Sales Center Assistants, and are managed by a Sales Center Coordinator. Producers devote their time and attention to what is their strength: selling. They keep appointments, complete applications, prepare surveys, compile and deliver proposals ... needs to develop sensitivity about the interruption process because the other person's mood or attitude over the phone will probably be affected by the activity that the call has interrupted. Second, the Coordinator must give the prospect a chance to talk, asking questions when necessary and listening carefully, especially for the objections that the individual raises when asked for information. Before the Coordinator can decide how to respond, it is necessary to listen and concentrate. COMMUNICATION COURSES. Communicating is a talent, but also a learned skill. A vast number of ...