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... x No Thanks Loading.. Smart Agencies Should Stay On Offense In A Soft Market 4/30/2013 by CompleteMarkets Editor , Robert Reagan This content has not been rated yet. SMART AGENCIES SHOULD STAY ON OFFENSE IN A SOFT MARKET by Bobby Reagan and Brian McNeely With no end in sight to the soft market, the question that agency leaders must ask themselves is: "Are we going to play offense or defense?" The answer is going to depend on the agency's situation — and everybody's situation is different. The public brokers must maintain their earnings or they will be penalized by Wall Street. Therefore, they will turn to acquisitions to drive earnings growth and focus on cost containment strategies. Private equity firms are also under pressure to generate the same level of earnings to satisfy the returns promised to their investors. However, privately held agencies with no debt are in a far different position. In fact, they have a tremendous amount of freedom and can develop a strategy to capitalize on the soft market. ON THE DEFENSIVE During downcycles in business, leaders across all industries often turn to a strategy of playing defense, which includes multiple cost-containment strategies such as headcount reductions, hiring freezes, and the suspension of discretionary spending. The focus of playing defense is maintaining current profitability at lower revenue levels. The challenge with this strategy is implementing it while maintaining customer service levels and the ability to grow your revenues in the future. This is especially true in our industry. We're seeing lots of defense being played in the insurance distribution arena — cutbacks in advertising, program development, ...

... Loading.. x No Thanks Loading.. x No Thanks Loading.. Marindependent Insurance Services LLC 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All Back 11 Ways the Internet is Playing Havoc with Every Business 2/28/2018 12:00:00 AM by CompleteMarkets Editor , John Graham This content has not been rated yet. Referring to Wal-Mart's upcoming redesign of its Web site, one analyst said it will give retailing a "jolt" and another said it will "change Internet retailing." Evie Black Dykem, of Forrester Research, Inc., said, "It will be the shot heard round the retail world." When the world's largest retailer stakes its claim on the Internet, many predict that life will never again be the same. "The power to navigate the world at the click of a mouse is a force that is transforming our lives like none before," wrote the editors of Business Week. A few paragraphs later, they ...

... Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. Scurich Insurance Services 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All Back 11 Ways the Internet is Playing Havoc with Every Business 2/28/2018 12:00:00 AM by CompleteMarkets Editor , John Graham This content has not been rated yet. Referring to Wal-Mart's upcoming redesign of its Web site, one analyst said it will give retailing a "jolt" and another said it will "change Internet retailing." Evie Black Dykem, of Forrester Research, Inc., said, "It will be the shot heard round the retail world." When the world's largest retailer stakes its claim on the Internet, many predict that life will never again be the same. "The power to navigate the world at the click of a mouse is a force that is transforming our lives like none before," wrote the editors of Business Week. A few paragraphs later, they ...

... . x No Thanks Loading.. x No Thanks Loading.. Raley, Watts & O'Neill 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All Back 11 Ways the Internet is Playing Havoc with Every Business 2/28/2018 12:00:00 AM by CompleteMarkets Editor , John Graham This content has not been rated yet. Referring to Wal-Mart's upcoming redesign of its Web site, one analyst said it will give retailing a "jolt" and another said it will "change Internet retailing." Evie Black Dykem, of Forrester Research, Inc., said, "It will be the shot heard round the retail world." When the world's largest retailer stakes its claim on the Internet, many predict that life will never again be the same. "The power to navigate the world at the click of a mouse is a force that is transforming our lives like none before," wrote the editors of Business Week. A few paragraphs later, they ...

... Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. ASE Insurance Services 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All Back 11 Ways the Internet is Playing Havoc with Every Business 2/28/2018 12:00:00 AM by CompleteMarkets Editor , John Graham This content has not been rated yet. Referring to Wal-Mart's upcoming redesign of its Web site, one analyst said it will give retailing a "jolt" and another said it will "change Internet retailing." Evie Black Dykem, of Forrester Research, Inc., said, "It will be the shot heard round the retail world." When the world's largest retailer stakes its claim on the Internet, many predict that life will never again be the same. "The power to navigate the world at the click of a mouse is a force that is transforming our lives like none before," wrote the editors of Business Week. A few paragraphs later, they ...

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... x No Thanks Loading.. 11 Ways the Internet is Playing Havoc with Every Business 2/28/2018 by CompleteMarkets Editor , John Graham This content has not been rated yet. Referring to Wal-Mart's upcoming redesign of its Web site, one analyst said it will give retailing a "jolt" and another said it will "change Internet retailing." Evie Black Dykem, of Forrester Research, Inc., said, "It will be the shot heard round the retail world." When the world's largest retailer stakes its claim on the Internet, many predict that life will never again be the same. "The power to navigate the world at the click of a mouse is a force that is transforming our lives like none before," wrote the editors of Business Week. A few paragraphs later, they added, "Anyone with a computer is a citizen of the world-and a richer world at that." The extent of the Internet's impact on life and business can be measured by Merrill Lynch's willingness to place at risk its sales force of 14,800 stockbrokers as the company heads straight into the E-economy. When all of Merrill Lynch's explanations and assurances of protecting its brokers are stripped away, it's clear that the company sees its future on the Net. Auto manufacturers are right there, too. The move to cut costs by cutting out dealers is clear, and it's driven by the possibilities created by the Internet. Whether it's real estate sales or travel agencies, these functions will soon be Net-based. Beyond the obvious impact, such as displacing stockbrokers or bookstore clerks ...

... others so that you can succeed is simply the nature of business. Not so if you want to have an effective team! Remember: "A rising tide floats all boats." In his eye-opening book, The Case Against Competition, Alfred Cohen points out that when it comes to teams, we should focus on cooperation, not competition. We can compete against those outside the team, but certainly not within it. Again, this doesn't mean that all team members have all the same responsibilities or the same compensation structures; it does mean that they should receive equal, and respectful, treatment. After all, they're teammates! 3. Be clear up front about your commitments. Assuming that everyone will follow team rules is guaranteed to produce failure and resentment. For example, if you've played team sports for your entire life, your perception of what constitutes team play will differ from that of someone who has never played on a sports team. Build mutual rules, commitments, values, or understandings through dialogue and consensus. In game theory, there's a classic story of the Prisoners' Dilemma. For example, assume that two men are arrested for robbing a bank. The police separate them immediately and offer each one a deal, saying, "we'll let you go or give you a lighter sentence if you rat out your partner." Because the prisoners failed to define their commitments under such circumstances up front, they now find themselves wondering what the other guy will do. Inevitably, one or both will crack, believing that they're more committed to the relationship than the ...

... x No Thanks Loading.. Service Excellence: Anticipating Needs 4/30/2013 by CompleteMarkets Editor , Mary Beth Bolen This content has not been rated yet. Making a movie requires several types of people: Directors, Producers, Actors, and Crew Members Each have specific roles to play in expediting the desired outcome. In the insurance industry, the agency and customers also have specific roles to play to achieve a desired result. But service consumers, not agency staff members, are the players that determine results. Service consumers play varying roles, depending on certain personality traits. Some like to direct, some like to control from afar, some like to follow. Service consumers can be categorized into three distinct types: producers, directors, and camera operators. The role of a customer service representative (CSR) is that of the assistant director-the person who interacts with and takes care of others to ensure the operation runs smoothly and efficiently. To do so, the CSR/assistant director must first determine which categories customers fall into in order to know how best to interact with them. Awareness of personality types and their corresponding roles allows a CSR to maximize the time and energy required to satisfy customer needs. Check past call records to find out who has called, how often, and why. Call records provide excellent clues to character. Then establish a proactive service contact schedule accordingly. The three types of customers along with appropriate handling strategies are: THE DIRECTOR: This type of service consumer is a regular' caller, a constant complainer. Directors are the ones who need ...