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... observed in a single week while visiting his mother-in-law during a recent ho...t I observed in a single week while visiting my mother-in-law during her recen...

... LTCI address two sides of the same problem. One replaces salary, while the other covers the cost of care. Neither one alone accomplishes the whole job. &# 160 In my LTC sales coaching sessions and seminars, I stress closing the sale in one call when selling to retirees because they can see LTCI as a real, immediate need. With middle-aged prospects, you rarely close in one visit and probably shouldn't try. With pre-retirees, you must first put the issue of long-term care on their radar screen and build a sense of urgency. Concentrate on doing this during your first call. &# 160 If you've made real progress in creating the need in your first call, concentrate on closing the sale in your second call. This involves comparing policies and rates and overcoming objections. ... they've not yet seen their health begin to alter. &# 160 It's up to the agent to spell out the facts and create the need. As an agent, you need to focus on the "what ifs" for this group. "What if you're permanently injured after a car crash and need care? How would you pay for it?" Today, a private room in a nursing home costs about $137 a day, or $50,000 a year, according to a MetLife survey. This is only an average ? in some cities the price can double. &# 160 Ask your middle-aged prospects about the health of their parents. The long-term care issue becomes more real after experiencing or thinking about providing long-term care for a parent or relative. &# 160 ...

... nurture and support their relationship-building efforts and actions. After all, actions always speak louder than words - unless those words are testimonials about your actions. Jack Burke, president of Sound Marketing, Inc. (Branson, MO), is the author of Relationship Aspect Marketing and Creating Customer Connections. For more information, please call (800) 451-8273, e-mail: [email protected] , or visit www.soundmarketing.com . 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 ... a major surprise! During the course of the city administrator's report, he stated that he would like to acknowledge publicly the efforts of an individual on behalf of the city – and went on to tell this story. Last year, at the urging of a new insurance agent, the city implemented a wellness program. It began with a health fair day, coordinated by the agent. Nurses were on hand to review health assessments with city employees, promoting a better understanding of triglycerides and cholesterol findings to assist in positive lifestyle changes. The fair also featured a dietician, fitness expert, and information on cancer and heart disease prevention. Currently, another health fair is on the agenda, along with the development of exercise and weight loss programs. Motivated by significant support and promotion from ...

... you can't give everyone of them your best deal. REGULATION. Banking and insurance are both regulated. You recognize regulation as licensing, continuing education, and occasionally having to answer to an inquiry from the Department of Insurance. You don't defy regulators; you tolerate them. Bankers hold their regulators in awe. Regulations and the auditors that watchdog them have shaped banking and its products and processes. Auditors visit often and have their way with bankers. When an auditor says Jump', the banker asks How high? ' To agents, auditors are curious interruptions. When they say Jump', the agents say, We'll discuss this when I get a chance. Only the client tells the agent when and how high to jump! COMMISSION. It's why agents do what they do! It's how they ... Way Of Doing Business 3/28/2014 by CompleteMarkets Editor , Michael Manes This content has not been rated yet. The speakers on the tape I was listening to said, When you complete the process of rearing your children, you want to be certain to maintain a reasonably good relationship with them. You see, your children will make two decisions that will significantly affect your life: what nursing home to select and when to pull the plug. Sobering thought? You bet. I was listening to this tape in the middle years of parenting my two children, when I didn't feel it was working out the way I thought it should. I was trying to live up to the whitewashed concept of having children: cute babies, good night sugar, ' refrigerator pictures, dance recitals, ...

...g employees, volunteers, employed nurses, psychiatrists, medical directors, an...

... 13 Incidental Low Power Recreational Motor Vehicle Liability Coverage Endorsement ISO has reduced the coverage in this endorsement by adding motor scooters to the list of excluded vehicle types. Mary LaPorte, president of LaPorte Consulting (Martin, MI), offers expertise in agency management, workflow, and Errors and Omissions analysis. You can reach her at (269) 672-7801; e-mail: [email protected] ; or visit: www.lpinsuranceconsult.com . 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. ... only for "bodily injury" in such a case, but "property damage" as well. • &# 160Controlled Substance The liability exclusion for loss resulting from the use, sale, manufacture, delivery, transfer, or possession of a controlled substance had an exception for the legitimate use of prescription drugs by a person following the orders of a licensed "physician" . Recognizing that dentists, nurse practitioners, and other health care professionals also have the legal right to prescribe drugs, ISO changed the wording to "following the lawful orders of a licensed health care professional" . Good News, Bad News Some of the policy changes, while reducing coverage in one way, broadened coverage in another. The most significant of these include: • &# 160Electronic Equipment Limits The Electronic Equipment coverage ...

...ir day, coordinated by the agent. Nurses were on hand to review health assessm...

...For example, both physicians and nurses are taking time to explain procedures...

... Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Customer Service: Reality Check 4/30/2013 10:42:27 PM by CompleteMarkets Editor , Michael Manes This content has not been rated yet. CUSTOMER SERVICE: REALITY CHECK by Mike Manes Mike Manes presents a series of "episodes" that he observed in a single week while visiting his mother-in-law during a recent hospital visit. Each episode concludes with a common sense observation that defines reality and how it relates to Customer Service. Reality TV isn't real. In your daily reality, have you ever had the chance to choose a mate from dozens of "beautiful" people and win a million dollars in the process? Have you ever lived on a remote island for weeks for ... with a common sense observation that defines reality. Episode #1 — Common Sense Is Uncommon. Common Sense is a textbook oxymoron. Even though the sign says WET PAINT, we have to touch it — and then we get upset when our finger gets sticky. When my mother-in-law was in the hospital, the sign on her door read "No BP/Venipuncture to left arm." A nurse walked into the room and began to inject something into her left arm. When asked about the procedure and its apparent conflict with the sign, the nurse said, "I didn't read it!" Develop and use your Common Sense (read the signs), especially in situations where the people you work with or who "work on you" don't. Episode # 2 — Unmet Needs ...

... , employees are advised to maintain some level of separate coverage if their employer's coverage is not adequate. A personal policy also is good insurance in the event that you are laid off and, due to health problems, would not be able to get coverage for a new life insurance policy. &# 160 Health Insurance. Covers costs related to your health and your family's health, such as doctor visits, hospital expenses, and diagnostic tests. While many employers provide some level of health insurance, you may need to supplement the coverage or, when self-employed, secure health insurance for you and your family. &# 160 Disability Insurance. Pays the individual(s ) covered for income lost due to a disabling injury or illness. It enables your earning power to continue even if your earnings ... not. Again, some employers offer basic disability insurance that covers extended illnesses, but you need to determine if the coverage is long- or short-term to meet your needs adequately. &# 160 Long Term Care Insurance. Provides coverage for skilled and custodial care in a nursing home. Some policies also may cover home health care expenses. You can purchase coverage for yourself, your spouse and your parents to offset the costly expense of nursing home care, which most people pay out of their savings. Policy costs are determined by the age and health of the individual, type of care, and other factors. &# 160 Governmental Benefits. The government offers several types of supplemental insurance to the elderly, retirees, disabled, and disadvantaged individuals. Programs include health care, disability, and ...