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...with only marginal vigilance, this real-life insolvency could have been 'predi...stionable investments (in affiliates, real estate, cash increases, low yields, etc.)...

... investments (junk bonds, too much real estate) Agent grapevine is giving some ...

...you own a second home or any other real property, such as a cabin, farm proper... 2. Are you concerned about estate taxes? ...

...you own a second home or any other real property, such as a mountain cabin or ... 2. Are you concerned about estate taxes? ...

... ___ Purchase of Mutual Funds ___ Real Estate/Management Service ___ Travel Servi...ted? ____ Not Interested? ____ 3. Umbrella Liability Interested? ____ Not ...

... in adding Earthquake or Flood insurance to your Homeowners protection? 10.Do you presently have either a burglar, fire or smoke alarm in your home? 11.Would you like an estimate of your home's replacement cost at today's prices? 12.Do you own a second home or any other real property, such as a mountain cabin or farm property? 13.Are you presently engaged in any form of farming or ranching? 14.Do you conduct any business or give private lessons in your home? 15.Do you own any boats, motorbikes, or other recreational vehicles, ... Homeowners liability coverage to $1 million or more? NOTE: COVERAGE FOR QUESTIONS 1-7 MAY BE LIMITED OR EXCLUDED UNDER YOUR PRESENT POLICY. Yes No 1. Do you have Disability income insurance in case you become sick or disabled? 2. Are you concerned about estate taxes? 3. Do you have a Mortgage Redemption insurance policy (which pays off your house in the event of your death)? 4. Are all members of your family protected by Life insurance? 5. Would you like a review of beneficiaries, ... , and cash values (if any) of your Life insurance policies? 6. Do you have a retirement or pension plan? 7. Are you self-employed? If so, have you heard about Keogh retirement plans, and would you like to know more? 8. Are you aware that Accidental Death and Disability insurance for you and your family is available at a low cost? 9. Is your Health Insurance up to date? (Consider recent increases in hospital rates) . 10. Are you interested in discussing Life ...

... currently have either a burglar, fire, or smoke alarm in your home? &# 160 &# 160 11.Would you like an estimate of your home's replacement cost at today's prices? &# 160 &# 160 12.Do you own a second home or any other real property, such as a cabin, farm property, or any income-producing property? &# 160 &# 160 13.Are you currently engaged in any form of farming or ranching? &# 160 &# 160 14.Do you conduct any business or give private lessons in ... questions 1-7 may be limited or excluded under your policy. OTHER PERSONAL INSURANCE YES NO &# 160 &# 160 1. Do you have Disability Income insurance in case you become sick or disabled? &# 160 &# 160 2. Are you concerned about estate taxes? &# 160 &# 160 3. Do you have a Mortgage Redemption insurance policy (which pays off your house in the event of your death)? &# 160 &# 160 4. Are all members of your family protected by Life ... ? &# 160 &# 160 5. Would you like a review of the beneficiaries, ownership, and cash values (if any) of your Life insurance policies? &# 160 &# 160 6. Do you have a retirement or pension plan? &# 160 &# 160 7. Are you self-employed? If so, have you heard about Keogh retirement plans, and would you like to know more? ____ &# 160 &# 160 8. Are you aware that Accidental Death and Disability insurance ...

... costs of a direct mail campaign if the targeted class is of particular interest to them. 13. Other Industries Some firms have found it very beneficial to link up with other types of businesses to provide personal lines insurance for the clients of that business. Examples are real estate firms, financial institutions, car dealers, etc. It may also be worthwhile to approach a few of your larger commercial clients to offer personal lines insurance to their employees, especially hospitals, manufacturing firms, etc. The agent could arrange time on-site to ... employee information for quotation. Some carriers today are offering payroll-deduction plans for personal lines coverages for employees of large firms. 14. Cross-Selling Existing Clients To prevent other agents or brokers from getting their foot in the door, offer all clients you insure both personal and commercial insurance coverages. Also include the sale of life and group insurance products to existing p/c clients. This will further cement your relationship with that client and helps retention. If your firm is commercially oriented, you may be afraid to sell personal lines to your ... is much more common in personal lines. Walk-ins can work to the firm's advantage, since the prospect can meet your employees and a good relationship can be established from the start. Often, additional coverages can be sold to the prospect that comes in, such as umbrellas or life insurance. You have the client's attention and can also move the person around the firm to the appropriate in-house "experts." 10. Yellow Pages Most agents and brokers have at least a one-line listing in the insurance section of the Yellow Pages. ...

...nts of that business. Examples are real estate firms, financial institutions, car d...

...er amount of coverage to obtain on real property, absent a special relationshi...ell as contract claims. Gilmer v. Intestate/Johnson Lane Corp. (1991) ___ U.S....