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... rain, hail, and (to a lesser extent) lightning strikes. All important electrical devices should be connected to surge protectors. Install UPS (Uninterruptable Power Supply) units for critical equipment in which the loss of power may result in a loss of important information or equipment damage. Even with appropriate electrical-protection equipment in place, it may still make sense to power down and disconnect electrical equipment before a severe thunderstorm strikes. Electrical wires as well as any electricity-conducting materials should not be touched during a thunderstorm. As with tornadoes, safety measures are critically important for businesses that have employees in outdoor areas. When atmospheric conditions are favorable for thunderstorm development, someone should be assigned to monitor weather reports and weather conditions. When thunderstorms are occurring or are about to occur, discontinue outdoor activities and seek shelter. Note that lightning strikes often precede the actual thunderstorm, and should signal the need for precautions. If lightning threatens your area, take cover inside a home or building. Avoid water fixtures, telephone lines, and any electricity-conducting materials. Because motor vehicles are supported on rubber tires (an effective electric insulator), they are generally safe from lightning strikes. If you are outside and unable to reach a safe shelter, apply the following rules: In an open area, go to the nearest ditch or ravine and drop to your knees (be alert to the possibility of flash flooding) . Do not: stand in an open area stand underneath a tall tree (especially one located in an isolated area) seek shelter in a small structure in an open area Other advice includes: ...

... and brokers sell the financial protection their companies offer. Some agencies operate under the guise that they are just selling insurance policies. It is up to marketing managers to elevate the status of the insurance industry in the minds of agents. Insurance is a profession, not just a job or service. For agents to adopt this philosophy, they must have a thorough understanding of fundamental principles: the provision of financial security and protection. This view can be compared to Maslow's Hierarchy of human needs. Maslow theorized that after each human need is met, a new one can be satisfied. He used a pyramid to illustrate the concept. Air and water are the foundation of the pyramid; after a human attains these necessities, the needs at the next level of the pyramid, such as food and shelter, can be pursued. Protection and security are slotted into one of the mid-levels of the pyramid. Why? Because once a human has achieved food, shelter, and other advanced necessities, these things must be protected and secured. Therefore, protection and security are among basic human needs. WHY THEY ARE IN THE BUSINESS Insurance protects basic human needs, and it provides a comfortable living for those who sell it. Agents help fellow human beings while helping themselves. HOW TO BUILD IT There are four stages to building business. They are: 1. Sell more present coverage to present customers. 2. Sell new coverage to present customers. 3. Sell present coverage to new customers. 4. Sell new coverage to new customers. As a marketing manager dealing with heavy competition from ...

...ojects, such as battered women's shelters or AIDS programs. These causes appea...ile rain forests, AIDS, or homeless shelters may not be your favorite causes, ...

... x No Thanks Loading.. Disability/Homeowners 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. DISABILITY/HOMEOWNERS Dear (Customer Name): Your family depends on you. You provide them with food, shelter, and all the comforts of life. But what if you were not able to do so? How would they get by? Who would pay the bills - the mortgage? The statistics are clear: 1. The average homeowner has a one-in-four chance of dying before a 30-year mortgage is retired. 2. That same homeowner is three times more likely to be disabled for an average of five years than he or she is to die during the term of the mortgage. That average' homeowner could be you or I. If these facts are as disturbing to you as they were to me when I learned them, stop by or give me a call. (Your Agency Name) can help you protect your family's security. I will be happy to explain how you can insure your most valuable asset - your earning power. Sincerely, 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 and your agency here. The most ...

... sparks, or smell of hot insulation), turn off system at main fuse box. Location of Main Fuse Box: ____ ` Turn on battery-powered radio and listen for advisories. Locate flashlight, if necessary. Location of Radio: ____ Location of Flashlight/Batteries: ____ ` Check emergency supplies: Location of Water: ____ Location of Food: ____ Location of First Aid Kit and Medication: _____ ` Check house, roof, chimney for damage. ` Start cleanup effort. Be prepared for aftershocks. If You Have to Evacuate ` Post a message in clear view telling where you can be found. List reunion points in case of separation. Such points may be homes of neighbors, friends, relatives, a school or community center, a Red Cross shelter. ` Take with you: first aid kit, radio, money, important papers, food, sleeping bag or bedding, extra clothes, water. 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 and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and content that you can ...

... Many vendors and consultants are using this rule as a popular sales p.. All Articles by CompleteMarkets Editor Comments (0 ) Do Advertising And Marketing Work? This content has not been rated yet. Al Diamond , CompleteMarkets Editor 4/30/2013 12:00:00 AM DO ADVERTISING AND MARKETING WORK? by Al Diamond It never ceases to amaze me. Even though the Independent Agency System is totally sales driven, too many agents do an abysmal job in ma.. All Articles by Al Diamond Comments (0 ) Don'T Mess Up Your Marketing: Getting The Most From Your Investment This content has not been rated yet. John Graham 5/11/2015 12:00:00 AM While driving down Boston's Massachusetts Avenue one Saturday afternoon, it dawned on me that every bus stop shelter along this popular main artery sported advertising signage for Apple's iPad 2. Assuming that many bus riders were not target customers for a product selling between $500 and nearly $900, the two of us in the car thought that spending advertising dollars at bus stops seemed like a waste of money. All Articles by John Graham Comments (0 ) Don't Let Your Sales Career Get Caught In The Net This content has not been rated yet. CompleteMarkets Editor , John Graham 4/30/2013 12:00:00 AM The growth of the Internet poses a threat to the need for sales people. In this article, John Graham offers six guidelines that sales professionals can use to survive, and thrive, in a Web-based business environment. All Articles by CompleteMarkets Editor Comments (0 ) ...

... : 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 IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Don'T Mess Up Your Marketing: Getting The Most From Your Investment 5/11/2015 12:00:00 AM by John Graham This content has not been rated yet. While driving down Boston's Massachusetts Avenue one Saturday afternoon, it dawned on me that every bus stop shelter along this popular main artery sported advertising signage for Apple's iPad 2. Assuming that many bus riders were not target customers for a product selling between $500 and nearly $900, the two of us in the car thought that spending advertising dollars at bus stops seemed like a waste of money. We were wrong! Just get on any type of public transportation and what do you see? Almost everyone is clearly a prospective iPad customer. Thumbs are going at incredible speed, while others are talking on their cell phones, playing games on a smartphone or watching movies on a hand-held device. With white earbuds everywhere, it was all about music. Rather than a marketing mistake, bus stops can provide a perfect advertising venue for promoting the iPad. Contrast all this with the huge number ...

... offsite employee contact lists and procedures, and implementing security controls. Testing Now that human lives have become deliberate targets of terrorists, testing your plan is more important than ever. Focus on exercising' everyone's ability to execute proper life-saving procedures (people will be more receptive to an exercise' than a test') . Conducting exercises that include all employees will help everyone focus on the problem and make them familiar with responding to unexpected events. It will also give people a feeling of empowerment in an environment that seems overwhelming. Make the exercise as real as possible. Larger organizations should consider applying cosmetic materials to volunteer victims' to simulate injuries, coordinate the exercise with civil authorities, and so forth. Test your internal communication systems. Certain WMD threats require building evacuation, while others mandate seeking shelter within the building (this also holds true for certain natural disasters) . ‘Accidental' Release Materials capable of mass destruction are sometimes used to manufacture products or for research. Such materials could be released either accidentally or by terrorists. If your organization uses dangerous toxic, explosive, or radioactive materials, take all necessary safety and security precautions. Carefully monitor and secure all such substances. Approach all organizations in your immediate area that you suspect might be using dangerous materials. Determine what these materials are, assess the danger of a release, set procedures for timely notification of a dangerous situation, and develop an action plan to respond. You can reach Douglas M. Henderson, FSA, CDRP at Disaster Management, Inc., 1531 SE Sunshine Ave, Port Saint Lucie, ...

... :26 PM CLIENT COMMUNICATIONS CREATE GOODWILL A study commissioned by Good Housekeeping magazine concluded that the Decade of Glitz and Greed' has given way to the Decade of Decency. Key points .. All Articles by CompleteMarkets Editor Comments (0 ) Community Involvement Checklist: This content has not been rated yet. Don Phin 1/26/2015 12:00:00 AM COMMUNITY INVOLVEMENT CHECKLIST: Organize a neighborhood cleanup project; Support or start a community job training center; Offer free assistance to needy area r.. All Articles by Don Phin Comments (0 ) Disability/Homeowners This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:10 PM DISABILITY/HOMEOWNERS Dear (Customer Name): Your family depends on you. You provide them with food, shelter, and all the comforts of life. But what if you were not able to do so? How would they get.. All Articles by CompleteMarkets Editor Comments (0 ) Does Every Customer's Opinion Count? No! This content has not been rated yet. CompleteMarkets Editor , Chris Burand 4/30/2013 12:00:00 AM DOES EVERY CUSTOMER'S OPINION COUNT? NO! by Chris Burand A customer at a luxury car dealership complained to the salesperson, These additional features are unnecessary and certainly n.. All Articles by CompleteMarkets Editor Comments (0 ) 1 2 x No Thanks Loading.. Loading.. x No Thanks Loading.. ...

... AM AGENCY DEVELOPMENT: BIG SPENDERS VS. INVESTORS by Al Diamond Agents come in distinct varieties when it comes to spending money on agency development. Some agents are penny-pinchers, preferring .. All Articles by Al Diamond Comments (0 ) Cut Waste From Advertising This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:38:09 PM CUT WASTE FROM ADVERTISING This advice on reducing the cost of your advertising program by eliminating waste' comes from.. All Articles by CompleteMarkets Editor Comments (0 ) Don'T Mess Up Your Marketing: Getting The Most From Your Investment This content has not been rated yet. John Graham 5/11/2015 12:00:00 AM While driving down Boston's Massachusetts Avenue one Saturday afternoon, it dawned on me that every bus stop shelter along this popular main artery sported advertising signage for Apple's iPad 2. Assuming that many bus riders were not target customers for a product selling between $500 and nearly $900, the two of us in the car thought that spending advertising dollars at bus stops seemed like a waste of money. All Articles by John Graham Comments (0 ) Make Your Agency Run On Its Own This content has not been rated yet. CompleteMarkets Editor , Grace Bauer 4/30/2013 12:00:00 AM MAKE YOUR AGENCY RUN ON ITS OWN by Grace Bauer In this document, Grace Bauer highlights agency management issues that needed to be checked, and reminds you to make these checks at monthly mee.. All Articles by CompleteMarkets Editor Comments (0 ) Make Your Agency Run On Its Own ...