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... belongings in your home that are used in any manner for business use worth more than $2 ,500? Do you belong to any association of property owners responsible for something owned collectively? Do you have articles of value such as antiques, stamp or coin collections, fine arts, furs, golf equipment, musical instruments, silverware, china or the like, which you would like to insure on a scheduled per-item basis? Section II Coverages Would you like a limit of liability higher than $100,000? Would you like a higher amount of coverage for medical payments than the $1 ,000 limit? Do you own any other residence? Do you rent the other residence? Do you conduct any farming on your premises? Is farming your principal occupation? Do you own a snowmobile? Would you like to be covered for libel, invasion of privacy or false arrest for an additional $13 a year? Would you be interested in a personal umbrella policy covering you for $1 million above and beyond the liability coverages you carry on your home and auto? Signature of Applicant ____ Date ____ Signature of Agent ____ Date ____ 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 ...

... recreational vehicles, such as snowmobiles or golf carts? ...

... The following are not limited in amount of recovery, but it is sometimes a good idea to list them: &# 160 1. Musical instruments 3. Cameras 2. Silverware 4. Fine arts Do you have any of the above to specifically list or add to your policy in order to ensure their full value? Please answer even if we have them insured currently, and give their present value. Use a separate sheet if necessary and show their dollar values. ____ ____ Do you use your residence for any business or office purposes? ____ Do you own a summer home or cottage? _____ Do you own any farm property? ____ Do you own any dwellings rented to others? ____ Do you own any recreational vehicle such as a golf cart, snowmobile, or go-cart? ____ Do you own a boat? ____ If so, please give length ___, motor horsepower___, inboard or outboard ___, value of boat $ ____, motor $ ____, and boat trailer $ ____. There are a great many optional coverages available. Please indicate if you are interested: 1. Credit Card and Forgery Interested? __ Not Interested? __ 2. Earthquake: Interested? __ Not Interested? __ 3. Umbrella Liability Interested? __ Not Interested? __ [includes excess major medical] 4. Mortgage Protection Life Insurance: Interested? __ Not Interested? __ 5. Other Life Insurance or Financial Planning Service: Interested? __ Not Interested? __ Replacement costs have increased 25% in the last 3 years. Do you carry ...

... a glacier excursion in Iceland , travel insurance can still be incredibly valuable in case of injury or illness. Before you book your trip to Iceland, be sure to follow these five tips for buying the right travel insurance so that you can keep your plans on track no matter what happens. Photo by Suhyeon Choi on Unsplash 5 Tips for Buying the Right Travel Insurance for Iceland 1) Check when you are covered It's easy to assume that if you purchase a travel insurance policy from a reputable company, it will cover any problem you might have while travelling. However, many policies limit coverage and others don't cover anything at all. For example, coverage is often not available if your trip falls under certain categories, such as adventure travel or travel off-the-beaten path. So if you are taking snowmobile tours , it might be a good idea to double check if injuries from it would be covered in your insurance. It's crucial to know exactly what is covered and what isn't before making plans in case there are any problems when you arrive. The number of countries that are eligible for coverage also varies widely by insurer. Some companies offer one year of international medical coverage, but other companies only offer up to six months of global medical coverage . Know how long your policy covers so you can determine whether it meets your needs. Many people take out travel insurance just in case something goes wrong on their trip without realising how costly the insurance could be and then find themselves with an exorbitant bill after filing a claim. Determine upfront what level of protection you need, taking into account ...

... away," he says. "Otherwise you look disorganized." "The key is for agents to develop sales expertise," Kwicien says, "because companies will always need a sales arm for their products." 7. MAKE MARKETING CONSISTENT "Agencies need to identify their profitable Personal Lines clients and develop strategies for selling to more of them," Cunningham says. The agency's marketing techniques will vary depending on the type of clients, size of territory, sales force, etc. But marketing should be consistent. Sending a letter once or trying an ad campaign for a while won't deliver the message often enough. Platt seeks Commercial accounts of less than $5 ,000 in premium and offers a package of Health, Life, Home, Auto, and other coverages, such as Snowmobile. "All of a sudden you have a $10,000 account," he says. Platt says that larger agencies and brokers largely ignore these accounts. A typical client for him might be a plumber. Platt uses the Yellow Pages to find those prospects. Two producers then cold-call, asking for x-dates on Commercial and Personal Lines. He also identifies neighborhoods matching his client base, and calls prospects in those areas to get x-dates. While telemarketing is mind-numbing, it's less expensive than direct mail, Platt insists. His producers divide their day into one hour of cold-calling for x-dates, two hours making appointments for those dates, three hours on appointments, and one hour responding to paperwork. Crawford recommends that agents go to fairs and trade shows (home, boat, etc. ...

...ed Vehicles (Such as Mopeds and Snowmobiles) EXCEPT for Liability at Your...

... recreational vehicles, such as snowmobiles or golf carts? ...

... effective. Too often sales letters have dates on them. In my opinion, a letter doesn't need a date (unless there is a due date) . All a date does is tell you when you received a letter and when it was written. If your client doesn't happen to see that advertising piece for three weeks, he might discard it, thinking it's outdated. Also, if he sees the letter is three weeks old, he might assume that somebody else did something about it, or that you would have called if it was important. We have found that advertising price in letters is beneficial. Some folks disagree-agents feel stating an insurance premium is not professional. But when you are selling things that people are not familiar with, such as Life insurance, Umbrella policies, and Snowmobile coverage, prospects want to know if the premium is in their ball park. They don't care if it's the lowest price around-the affordability is what matters. You can give the world's greatest selling pitch on low-cost, high-value Term Life insurance, but if your prospects think they can't afford it, nothing is going to happen. NEWSLETTERS A newsletter is a good vehicle for staying in touch with your client. And many types are available (such as those offered by IMMS) that will fit your agency. It is important to select a newsletter that fits what your agency is doing, as well as your clientele. You don't want to send something that is over their heads, nor do you want a newsletter that insults someone's intelligence. Your newsletter should be personalized. Our CPA firm sends ...