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... DATE 19890626 DESCRIPTION USDOL Program Highlights - OSHA's Expanded Hazard ...ighlighting U.S. Department of Labor programs. It is intended as a general des...

...e merging of workers compensation programs. The historical liability expos...urers to require cooperation in loss programs. The corporation, as ...

... 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 ... Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Disaster Recovery: How Working Together Speeds Recovery 4/30/2013 10:40:32 PM 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, ...

...eloping a sound disaster recovery program. Staff and management are trained to... local catastrophe response planning programs. BUSINESS AND COMMUNITY ARE I...

... of insurance and risk-management programs for school board and municipal acco...ain a quote on a home-based business program. Before his accounts were even op...

...ointment to review your insurance program. Or call us today. Sincerely, (Yo...

... 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 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 emergency organizations that have to be insured through their municipalities, too. That is where our network of agencies will help. We need ... Links Categories Popular Recent All Back Windows Of Opportunity 4/30/2013 12:00:00 AM by CompleteMarkets Editor , Damond Benningfield This content has not been rated yet. Competing for prospective clients costs money, with high advertising and marketing expenses taking a big chunk out of commissions. But some agencies are reducing or eliminating competition by entering niche markets. Companies often pay higher commissions for niche-market programs, and because there are few competitors-and in some cases, none at all-there are few wasted sales calls. Niches are windows of opportunity. They often begin with a request for special coverages from a single customer. If the agent seizes the opportunity, that one request can blossom into a fertile market. In fact, the opportunities are so numerous and the rewards so great that some agencies have ...

...CIGNA opened two new markets: municipalities with less than 10,000 people and ...nsive than the workers' compensation program, although it, too, required solid...

... Government National Mortgage Association, or Ginnie Mae, as the federal agency is often called. As is the case with other government bonds, fluctuations in the interest rate can cause a decline in the investor's principal. The interest on government bond funds is subject to federal taxation. In general, however, it will be free of state and local taxes. Tax-Free Bond Funds-The tax-free bond fund invests in municipal bonds issued by cities, states, and other governmental entities. The income from these funds will be free from federal income taxes. As a general rule, only individuals in a high tax bracket would benefit from a tax-free bond fund, since the tax savings on this income offsets the lower interest rate that is usually paid. Within a family of funds, there might be more than one ... investment strategy is recommended by many experts and works extremely well with mutual fund purchases. With dollar-cost averaging, an investor can accumulate shares in a mutual fund without the risk of buying shares at their highest price. The same amount of money is invested at regular intervals. The investment buys more shares when the price is low and fewer shares when the price is high. It is a systematic investment program. The investor who utilizes this strategy will buy shares at an average price, which is less than the average market price. Because the investor is committing the same amount at fixed intervals, he or she will not purchase too many shares when the price is high. Dollar-cost averaging helps the mutual fund investor avoid buying shares at the wrong time. It is a long-term investment strategy requiring that ...

... 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 ... Step 1- Prospecting' under Sales and Marketing' for more information on prospect sources.) Do a mass mailing appealing to this select group-Letter SP 3 is a good choice-and enclose a reply card, then follow up with a phone call to set the appointment (Action Step 3) . Standard-Vehicle Investors: Send a letter to clients and prospects using the standard vehicle tie-in. Appropriate timing can make this program really work. Try conducting an X-dating campaign for clients' Certificates of Deposit, so you can time your letters to hit when that client will soon have the cash available to invest in a Single-Premium Whole Life policy. You can either hire telemarketers to do this, or have your CSRs ask every client with whom they come in contact if he or she has CDs or other money-market accounts and ...