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... the family policy's deductible. A child's Life insurance needs can be met inexpensively by a single-premium Juvenile policy which offers a nominal death benefit, together with options to buy larger amounts at standard rates as the child enters young adulthood. This can be useful if the young adult should become uninsurable or heavily rateable due to occupation, medical history, or other factors. Prospects can be found in volume in nursery or school accounts, private bus companies which serve schools, children's clothing stores and shoe stores, toy stores, fast food restaurants, and other places frequented by youngsters and their parents. You might consider having printed items distributed through such outlets; some carriers offer handsome promotional items aimed at the juvenile market. Your Commercial accounts' payroll-deduction plans could also offer a menu of children's products. And ... producer's briefcase could carry a simple Accident-only brochure for ad-lib use, even in Personal Lines calls. The commissions may be low on a low-premium Accident policy, but the accidents should lead to discussion about all of the family's total Health/Disability/Life needs. And that second discussion should arise even if the Accident sale is not made. 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 ...

...ospects can be found in volume in nursery or school accounts, private bus companies which serve schools, children's clothing stores and shoe...