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...ial resources will enable them to muscle into a significant share of the insur...

... no longer tolerate the wait. Often I'll hang up and redial, thinking I must have dialed the wrong number. After all, no one would let a telephone go beyond the third ring! What does all this mean to you, the agency owner? Most agents acknowledge that banks are beginning to compete for their customers. They admit that the banks' deep financial resources will enable them to muscle into a significant share of the insurance market. But, argue the agents, we'll be able to hold our own with personalized service and niche marketing. I maintain that these steps won't help if the agents fail to come up to speed. Since the beginning of time, it seems, it has taken a bank at least two or three weeks to process a home mortgage application, grant ... that we must take time to imagine what an insurance agency can be, and then plan the methods that will accomplish the changes. Automation provides the tools. The question is: Have we taken time to imagine what this can accomplish and then plan for the implementation? Imagine this: The agent of tomorrow is driving to the first appointment of the day (11 a.m.) . The cellular car phone rings; it's the agency's in-house telemarketing sales center, saying, I notice your afternoon schedule is open. We just got a hot lead and you're already in the general area. The appointment is set for 2 p.m. I'm faxing you a facts sheet now. Good luck! ' The producer opens a voice-activated computer appointment notebook and notes the appointment in the daily log. Stopping at ...

...end their knees and use the large muscles of the leg instead of the smaller muscles of the back. Back injuries are the m... leave the cords of these tools where cars or trucks will run over them. MA...