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... measures you can take to minimize your losses in the event of a catastrophic event. Henderson addresses the proper actions to take before, during, and after such an event. &# 160 In the aftermath of the September 11 tragedy, preventing and responding to Weapon of Mass Destruction (WMD) attacks remains primarily a government responsibility. Most businesses and other organizations aren't in a position to thwart a major terrorist assault. Nevertheless, all of us — individuals, businesses, and other organizations — need to do what we can to protect ourselves and those for whom we're responsible. Here are some initial guidelines. Because many of these recommendations might be new, you should review and expand upon them to incorporate relevant ideas into your disaster planning. Although following these guidelines wouldn't have been effective in stopping ... September 11 catastrophe, any recurrence of this type of attack has been reduced and will diminish further as more security controls are introduced into the airline industry. However, smaller-scale acts (bombing a school, derailing a train, or attacking your business and so forth) are far easier to carry out. Such lesser assaults' — which would've seemed extreme before Black Tuesday — also accomplish the primary goal of the terrorist: to frighten the civilian population. Implementing these recommendations might thwart such an attack … or at least reduce loss of life, injuries, and damage. In closing, I extend my heart and prayers to all the victims of the catastrophe, their families, and the heroic rescue workers. WEAPONS OF MASS DESTRUCTION Definition A Weapon of Mass Destruction (WMD includes biological, ...

...’t in a position to thwart a major terrorist assault. Nevertheless, all ...by groups of managers on commercial airlines has never been recommended. Now t...

...Client Contact Studies show that a majority of clients do not complain. Consid...

...nies to determine their own path. MAJOR TRENDS OUTSIDE THE INSURANCE INDUSTRY...

... discourage many agency owners. They decide that they'd rather just gripe, which is why company people get their vaccines in the first place. Are you strong enough to handle Agent's Kryptonite? ADVERSE REACTIONS Agents are often appalled at the thought of having to educate companies about their own best course. This side effect is widespread and to be expected. However, a little discomfort now could help prevent a major illness or even death. Company employees have reported nausea, fever, chills, and other flu-like symptoms upon receiving the antidote. Such symptoms usually subside after leaving the agent's office. The antidote won't work on many company people. Given its great expense, use it only on the most receptive prospects. PRECAUTIONS Recognize that some companies are beyond saving. Don't endanger yourself by trying to help them ... — not because they must to survive. Companies can make a few relatively basic changes to get healthy adjustments that are far less expensive than a plummeting stock price. Show them what you can do for them and what other agents will do for them if they: Introduce a stable marketing environment. Work with you to find ways of writing your accounts. Maintain commissions (remind them that when the airlines cut travel agents' commissions, customers found lower prices on their own, which eliminated any savings the airlines gained by commission cuts) . Hire competent underwriters. Hire enough underwriters. Recognize that underwriting is not a black and white world. Work to create core competencies that are real and not just the latest jargon. Step 3: Pour on the Presentation Most insurance company employees have the power ...

...iscomfort now could help prevent a major illness or even death. Company employ...

... anyway. All I had to do is let them scan my member card when I made a purchase. Like the grocery stores, they even provided a key ring-sized card. A few months ago, I made a fairly large purchase, but forgot to show the cashier my card. By the time I remembered, he had already rung up the transaction. He told me it would be a major inconvenience to accommodate me at that point, because he would have to void the transaction and ring it up a second time. He said I could call in the transaction number when I got back to the office for credit. I agreed — primarily because I didn't want to be lynched by the people in line behind me. Upon calling Office Depot's Advantage Program phone number, I got a ... customers as you know they want to be treated. One credit card company has built an entire advertising campaign around the difficulty of accessing awards that people earn through "loyalty" programs. Instead of building loyalty, it seems that many companies are losing customers because of poor performance in such programs. Recently, my mother and her husband had finally achieved their goal of getting enough points on their Delta Airlines program to get a free flight. Trying to make the arrangements (six months in advance), the best they could get was a cross-country flight at an inconvenient time with three connections. Since connecting flights are the bane of the elderly, they opted to buy tickets for a convenient, non-stop flight. They no longer have any loyalty for Delta because they feel that Delta misled them. ...

...nsaction. He told me it would be a major inconvenience to accommodate me at th...