https://completemarkets.com/Article/article-post/1655/Single-Premium-Whole-Life-Insurance-Module-V-C/
... look at your present clients to see if there are individuals who have outgrown their present policies. You may have some good prospects for a rollover into a Single-Premium Whole Life policy. Existing Prospects: The magic word is prequalify. To invest in a Single-Premium Whole Life policy, prospects must have a significant sum of money saved. If the prospects don't have the lump sum, there's no use explaining the benefits of the policy to them. But again, be sure they realize that this sum may be generated by cashing in their present Life policies. Standard-vehicle investors: Over $1 trillion is invested right now in standard vehicles such as Certificates of Deposit, passbook savings accounts, money market accounts, and treasury bills. About 75% of your clients and prospects have one of these investments. Municipal bond holders: A substantial number of your clients and prospects invest in municipal bonds-the municipal bond market amounted to $97 billion in 1986. What are the drawbacks? The rate of return is locked in for five to 30 years. The bond may decline in market value and the interest must be reinvested as it is received. Retirees must consider this interest income in determining their income for the year. If they have earned more than the law allows, some Social Security benefits probably will have to be repaid to the government. Clients with IRAs: Approximately 80% of your clients have IRAs-show them how to continue receiving tax-advantaged treatment with this Life policy. Commercial Lines clients and prospects: Don't forget to market the policy to businessowners. Businesses can use Single-Premium Whole Life to meet a variety ...
https://completemarkets.com/Article/article-post/1654/DISASTER-RECOVERY-HOW-WORKING-TOGETHER-SPEEDS-RECOVERY/
... x No Thanks Loading.. Disaster Recovery: How Working Together Speeds Recovery 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. DISASTER RECOVERY: HOW WORKING TOGETHER SPEEDS RECOVERY You've spent thousands of dollars and hundred of hours developing a sound disaster recovery program. Staff and management are trained to act quickly to mitigate damage and safeguard lives and property. But you may be disturbed to learn that survival hinges largely on something you've had no control over - your state and local emergency management planners. It seems like an obvious match, but the private sector's disaster planning specialists and their municipal counterparts have no history of coordination. That's starting to change, though. The evolving concept in disaster mitigation theory links the life of the community with the health of its businesses. That means communities increasingly see restoring business quickly as the way to save themselves after a crisis or catastrophe. It also means that business owners can become a stakeholder in their local catastrophe response planning programs. BUSINESS AND COMMUNITY ARE INTERDEPENDENT Disaster response planners have realized that communities suffer exponentially after a disaster and that the longer businesses remain incapacitated, the more devastated the community will be. A given area's people form both its customer base and its employee base, so every business that fails after a catastrophe could cause long-range harm to the community's people, economy, and tax base. Yet the traditional model for municipal contingency planning has addressed facility survival, not business continuation. Today's disaster planners now recognize that business survival, not just physical restoration of damaged property, is paramount. To that end, local disaster ...
https://completemarkets.com/Article/article-post/1855/CHEMICAL-SPILLS/
... few chemical containers or drums on site, usually not exceeding a 55-gallon capacity. For the Larger User A higher level of chemical use is found in workplaces where chemical usage is integral to its operations. There may be many 55-gallon drums and a wide variety of chemicals. In addition, more complex chemicals from bulk storage tanks may be present. Spills may affect entire work areas and pose a danger to the entire company and even to the community. The basic approached to handling chemical spills are: Train your employees to handle spills. The HAZWOPER standard usually requires a 40-hour generic training program with eight hours of refresher training annually. Tools, equipment, medical monitoring, and respirator training may be required. It is easy to spend over $30,000 for a minimal 1910.120 program. Use municipal HAZMAT teams. Many communities have HAZMAT teams to respond to chemical emergencies. Check with your municipality to see how it operates. Hire a local spill-response company. Such companies should evaluate your worksite, guarantee a response time, and most important, provide a list of credentials that will permit you to check with past and current clients to evaluate the company. Major Chemical Users Finally, there are large facilities with a wide variety of chemicals in volumes that can pose a hazard to the environment and community. These chemicals may include solvents, corrosives, and compressed gases. This level of use warrants HAZWOPER training as well as coordination of emergency response planning with a variety of municipal and private organizations such as police departments, fire departments, and hospitals. Conclusion I strongly believe in letting experts do ...
https://completemarkets.com/Article/article-post/164/Windows-Of-Opportunity/
...CIGNA opened two new markets: municipalities with less than 10,000 people and ...cy has only signed about a dozen municipalities and a few private ambulance co...
https://completemarkets.com/Article/article-post/1574/STATE-JOB-SAFETY-AND-HEALTH-PROGRAMS/
... x No Thanks Loading.. State Job Safety And Health Programs 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. INFORMATION DATE 19920814 DESCRIPTION USDOL Program Highlights, State Job Safety and Health Programs TOPIC Safety and Health Programs SUBJECT State Job Safety and Health Programs ABSTRACT The Occupational Safety and Health Act of 1970 encourages states to develop and operate their own job safety and health plans. OSHA approves and monitors states' plans and provides up to 50 percent of an approved plan's operating costs. States must set job safety and health standards at least as effective as comparable federal standards. Most states adopt standards identical to federal ones. A state must conduct inspections to enforce its standards, cover state and municipal employees, and operate occupational safety and health training and education programs. Anyone finding inadequacies or other problems in the administration of a state's program may file a complaint with the appropriate regional administrator for OSHA. U.S. Department of Labor Program Highlights Fact Sheet No. OSHA 92-15 STATE JOB SAFETY AND HEALTH PROGRAMS The Occupational Safety and Health Act of 1970 encourages states to develop and operate their own job safety and health plans. The Occupational Safety and Health Administration (OSHA) approves and monitors states' plans and provides up to 50% of an approved plan's operating costs. States must set job safety and health standards at least as effective as comparable federal standards. (Most states adopt standards identical to federal ones.) States have the option to promulgate standards covering hazards not addressed by federal standards. A state must conduct inspections to enforce its standards, cover state and ...
https://completemarkets.com/Article/article-post/1284/GOVERNMENTAL-INSTITUTIONS-RESPONSIBILITIES-EQUAL-RISKS/
... x No Thanks Loading.. Governmental Institutions - Responsibilities Equal Risks 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. GOVERNMENTAL INSTITUTIONS - RESPONSIBILITIES EQUAL RISKS Dear (Customer Name): Every government entity, 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) knows how to help cover those exposures. We've specialized in insuring government entities for over ( ) years. We know what your risks are and can tell you how to control them - and protect the risks you can't control. The stakes are too high to wait another moment. We'll be calling you soon to set up an appointment to review your insurance program. Or call us today. Sincerely, (Your Name) Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and content that you can use for your clients and social media efforts. Ability to attach leads and clients to ...
https://completemarkets.com/Article/article-post/279/Do-You-Pull-Teeth-Or-Prevent-Cavities/
... x No Thanks Loading.. Do You Pull Teeth Or Prevent Cavities?4/30/2013 by CompleteMarkets Editor , Chris Burand This content has not been rated yet. In this document, Chris Burand tells a modern-day fable that offers a valuable lesson from the world of dentistry. What can you possibly learn from those who pull teeth and cause such great anguish? You're going to have to read it to find out. In the early 1900s a dentist, Dr. J. Daniels in San Pedro, California had a thriving practice. His clientele, for a variety of reasons — including a lack of fluoride in municipal water supply — had bad teeth. He was pretty good at pulling teeth. Whiskey was a very adequate sedative. Toward the beginning of WWII, another dentist moved to town. He started preaching and practicing dental hygiene. He worked with schools to teach children to brush properly. He hired a dental hygienist to clean patients' teeth regularly. As the 1950s approached, Dr. Daniels' business began to decline. His clients were switching over. The new dentist's business expanded. Preventative care was catching on. People began to realize that good dental hygiene was preferable to missing teeth, whiskey or no whiskey. Today, most independent insurance agencies are like Dr. Daniels. He pulled teeth and effectively solved his patients' problems, just as agents help get claims paid. But isn't it better to avoid a cavity in the first place? Wouldn't it be better if our insureds avoided incurring the claim? It's time to start practicing preventative care for our ...
https://completemarkets.com/Article/article-post/789/Business-Success-Through-The-Fairness-Doctrine/
...queeze of economic pressures. Municipalities and states throughout the nation ...
https://completemarkets.com/Article/article-post/1541/ENFORCEMENT-POLICY-ON-TUBERCULOSIS/
... memorandum dated Oct. 8, 1993 establishes an agency-wide enforcement policy for protecting exposed workers against tuberculosis in both the private and federal sectors, including OSHA's own inspectors. Employers found in violation of the requirements can be fined. The instructions cover the applications of OSHA standards as well as the OSH Act's general duty clause that obligates employers to provide safe and healthful workplaces. INSPECTION GUIDANCE Inspection for occupational exposure to TB shall be conducted in response to employee complaints and as part of all industrial hygiene compliance inspections in workplaces where the Centers for Disease Control (CDC) has identified workers as having a greater incidence of TB infection. These workplaces are health care settings, correctional institutions, homeless shelters, long-term care facilities for the elderly and drug treatment centers. Complaints received from public sector employees (state and municipal) outside of federal jurisdiction shall be forwarded by the regional office to the appropriate state agency. GENERAL DUTY CLAUSE USE Citations based on the general duty clause will be issued only to employers whose employees work on a regular basis in one of the five types of facilities listed by the CDC as having a higher incidence of TB than the general population, and whose employees 1) have potential exposure to the exhaled air of an individual with suspected or confirmed tuberculosis, or 2) were exposed to a high hazard procedure performed on an individual who may have tuberculosis and which has the potential to generate potentially infectious airborne respiratory secretions. To prove a violation of the general duty clause, it must be shown that the employer failed to keep the workplace free of a hazard to which his or her ...
https://completemarkets.com/Article/article-post/2394/Forms-And-Electronic-Standards-A-New-Relationship/
... of Sussex County, both located in Branchville, NJ. When deciding to develop a relationship with a local bank, Van Den Huevel & Fountain looked for a bank with the same culture and attention to detail they had always maintained. The agency's success to date is hard to measure because of the briefness of the relationship, but a mix of Personal, small Commercial, and Life insurance policies have been sold so far. As far as the future is concerned, we see the [bank and agency] relationship as a growing part of the agency's business, ' said Rhea Fountain III, president of the agency. John Willemsen, president of Advantage Risk Management Services, Inc., in Kinnelon, NJ, is an MGA providing a host of insurance and risk-management programs for school board and municipal accounts. He sees many advantages for both banks and agents. Today's insurance market is certainly a dynamic one, ' Willemsen said. The consolidations and mergers of large brokerages and those of insurance carriers have made doing business in today's market very competitive and constantly emerging. Combine this synergy with the entire banking and insurance issue, and I feel the market dynamics will continue to expand. The trend for regional banks to become more involved in the P/C insurance market will certainly continue to grow. A bank's ability to provide insurance services to customers seeking financing for a car or home in a one-stop fashion makes sense only if the service meets or exceeds the levels that consumers currently enjoy with their insurance broker. If banks are successful within the Personal and small Commercial marketplace, they'll certainly look to ...