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...0 and $25,000 are the subject of Municipal Court. A lawyer's assistance is hig...s because of the attorney's fear of liability. Honest communication and a clea...

..., whether a school district or a municipality, has many responsibilities to many people. Because of this, your liability exposure is much higher than average. That's why insurance is so important. (Your Agency Name)...et up an appointment to review your insurance program. Or call us today. Sin...

...e of these investments. Municipal bond holders: A substantial number ... be aware that corporate-owned Life insurance is subject to the alternative mi...

... . If your lawyer doesn't like this kind of arrangement, get a new lawyer; the business climate for lawyers is much too competitive for any lawyer to determine the client's service level. Debts between $10,000 and $25,000 are the subject of Municipal Court. A lawyer's assistance is highly advisable; the only difference between Municipal and Superior Courts are the amounts being sued over and minor limitations on the discovery process. Consequently, the costs can mount quickly. Again, control over your lawyer is paramount to a ... for work is the worst reason to accept a job. The money you're owed can earn a better return in an adequate investment vehicle, and this lost opportunity is hardly compensated by someone stringing out their payments-without interest, even! If you want to work with a general contractor, get names, addresses, and telephone numbers of at least three suppliers (five is better) and ask them: Does the contractor pay his bills on time? Is the contractor currently delinquent or late? Have there been any complaints about the contractor ... depends on how complex the subject matter becomes. In this area, a common defense tactic is to vigorously pursue unlimited discover to broaden and confuse the issues. When the debt exceeds this amount, it's difficult to control the attorney functions because of the attorney's fear of liability. Honest communication and a clear, realistic disclosure of the ultimate outcome you want will help minimize the amount of time spent on fruitless discovery and getting the case heard. BASIC RULES OF LITIGATION Request copies of all documents generated in your case. Question your attorney ...

... you on the back and buy you a beer. The best advertising is word-of-mouth, and the conventions are one way to get that. Regnier recently added two more dbas to her agency-Municipal Services Agency of Texas and Ambulance Insurance Services of Texas-after CIGNA opened two new markets: municipalities with less than 10,000 people and privately owned ambulance companies. Nobody wants to mess with small municipalities, but after Glatfelter designed a program for them, ' she says. We think this will let us pick up a few of the fire departments and ... they are for more conventional property and casualty lines, too. One added expense is industry conventions. Seven years ago, I had no idea what a convention expense was, ' Regnier says. Now, we attend several firemen's and EMS conventions a year. We generally take three people-myself and two other producers-and that's very expensive. But we've seen a good return on that investment. The people in this field like to see you, slap you on the back and buy you a beer. The best advertising is word-of-mouth, and ... ' says Regnier. No one was doing that for volunteer fire departments over 20 years ago, before Art Glatfelter went to bat for them. VFIS writes all lines of business except workers' compensation' for volunteer fire departments and emergency service organizations. Available coverages include injury-to-firemen liability, accident and sickness, vehicle agreed value for engines, errors and omissions liability, pollution liability, medical malpractice, bonding and others. VFIS currently insures more than 500 Texas volunteer fire departments and emergency service organizations, Regnier says, primarily in Houston , Dallas ...

...dded two more dbas to her agency-Municipal Services Agency of Texas and Ambu...about two-thirds of the hole-in-one insurance market in the , also sells promo...

... gets no deduction for what is invested (chances are, under the new law, he or she wouldn't get a deduction for the IRA contribution, either), he or she can invest a virtually unlimited amount as opposed to the funding limits within retirement plans. Municipal bond and jumbo CD holders. People with these types of investments may find the single-premium deferred annuity to be a better alternative, especially if they are using the CD and/or bonds to save for retirement. These clients have the required cash available, and ... factors, including total premiums paid, age when benefits begin, type of contract purchased, and sometimes health or sex. Annuities are most commonly used for retirement purposes-to provide a tax-deferred buildup of assets that will result in a steady income to the annuitant. Annuities are generally not sold for short-term purposes. They are often involved in corporate pension and profit-sharing plans; these are group annuities. For the sake of clarity, this sales campaign will deal with the sale of annuities to individuals. As with other forms of Life insurance and ... insurance company will have a wide range of annuity products, and be A or A+ rated by Best's. Some characteristics to look for in a good annuity company include: Financial strength. Evaluate the carrier's stability and reliability. Look at its ratio of surplus to liability, its ratings, interest rates, charges, loads, and surrender fees. Investment philosophy. This is especially important if you're going to be selling the carrier's variable annuity. Carefully study the company's investment guidelines. Consider risk in the light of available margins to ...

...s within retirement plans. Municipal bond and jumbo CD holders. People w...annuities is much like selling Life insurance, but the benefits differ. The sa...

...has filed all federal, state and municipal income tax returns and all other applicable federal, state and municipal tax returns required to have been f...ed by the Massachusetts Division of Insurance and (iii) has been duly register...

...on, Massachusetts, or within any municipality within 50 miles of said Cambridg...re thereof and, without limiting the generality of the foregoing, does hereby ...