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...ial functions of her job. After a long discussion of the history of the law a...l statements regarding the fact of disability may be binding in other proceedi...

...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...

...xander & Alexander. So, after six long years of commercial soft market condit...s from the event) and (2) the payment terms-which would generally run from six...

... 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 branding Articles tagged with branding Back Are Your Messages Remembered Long Term? This content has not been rated yet. CompleteMarkets Editor , Patricia Czech 4/30/2013 12:00:00 AM ARE YOUR MESSAGES REMEMBERED LONG TERM? by Patricia Berry Here we stand: The possibilities of e-mail messaging in one hand, ... nature of memory in the other. Here's the critical quest.. All Articles by CompleteMarkets Editor Comments (0 ) Branding: A Singular Identity For A Multitasking Entity This content has not been rated yet. Jack Burke 4/30/2013 12:00:00 AM BRANDING: A SINGULAR IDENTITY FOR A MULTITASKING ENTITY by Jack Burke Mention branding, ' and people generally think in terms of company names. Or they think of burned flesh on cat.. All Articles by Jack Burke Comments (0 ) It's All About The Brand ... rated yet. Don Phin 5/15/2015 12:00:00 AM Many states have legislated beyond the Federal Equal Opportunity Laws. For example, state laws extend to sexual orientation, use of lawful products, marital status, and expansive definitions of covered disabilities. All Articles by Don Phin Comments (0 ) 1 2 x No Thanks Loading.. Loading.. x No Thanks Loading.. ...

...lities A promise from amajor long-term carrier for competitive products,... said they'd be there for us over the long haul, and we believed them. But whe...

...nsation for salespeople has been a long and honorable tradition, especially fo...wide database of agents who have been terminated by carriers or reprimanded by...

... 65-and-older population represents an enormous marketing opportunity, ' says Conning, with many seeing the transaction as a financial boon, especially if they have a Term policy that they may otherwise view as worthless if it's dropped. Formerly labeled viaticals, ' the industry has come a long way. Viaticals are now generally defined as those involving life expectancies of 24 months or less; life settlements, ' two years or more. The early days of viaticals were riddled with scandals. Fraud was committed, wild promises were made, some investors were ... party at a discounted price. The seller, for various reasons, might not want to keep the policy any longer, might not be able to afford it, might not need it, or might simply prefer to get cash right away. The policy may be Term, Cash Value, Group, or Individual. The insured might or might not be healthy, but as a general rule of thumb, their life expectancy should be about 15 years or less and the policy face should be about $100,000 or more ... , such as coverage on a paid-up mortgage or for kids who are no longer dependent, or for a key corporate officer who retires, or for estate liquidity when liquidity has been achieved. The beneficiary has died, and there's no apparent potential beneficiary. Retirement or disability changes priorities or plans. Accumulating interest on policy loans starts to choke the value of the policy. The need for immediate cash outweighs the need for payment to the beneficiary. The investment potential of a cash settlement seems more attractive than maintaining the policy. The ...

...ns to us. Nevertheless, we thought long and hard about entering into the agree...e companies the bank agency has for a long time represented. These are mainly ...

... Life insurance is essential for crisis transition. For instance, we recently assisted an agency in a transition that will permit the selling owner to remain in the agency (their desire), while the ownership and direction of the agency transitions to the next generation over a long (15-year) period. The payments to the owner will supplement their ongoing income and be used for investment and other purposes. The length of time involved makes the obligation to the agency minimal each year. If something extreme happens to the former owner, a ... sufficient time) to minimize the stress on the next generation and/or provide the highest return of assets to the selling generation. If you don't want organizational changes, planning makes the sell-down (or sell-out) more feasible with no surprises. Internal perpetuation should include terms that are acceptable to the seller and manageable to the new owners. Life insurance is essential for crisis transition. For instance, we recently assisted an agency in a transition that will permit the selling owner to remain in the agency (their desire), while ... 2013 12:00:00 AM by Al Diamond , CompleteMarkets Editor This content has not been rated yet. Make perpetuation planning a normal part of managing your agency.Perpetuation planning. What a morbid thought! It means you're going to die, retire, become disabled or, God forbid, give someone else the reins to your life's work! If you're like most agents, you'll simply avoid planning for perpetuation until: (1 ) After your first heart attack; (2 ) when you're six months away from retirement; ...

...ht not want to keep the policy any longer, might not be able to afford it, mig...lue). A 68-year-old male had two Term policies totaling $6 million face a...