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Hi all! We are having a couple of issues with our personal lines markets in NY & NJ. 1. Monoline homes: Most carriers we write with will not write the Home without the Auto. This is a bigger problem in NJ than in NY, but still a hurdle we need to overcome in both states when we have to compete against Geico's auto pricing. Who are you all placing your monoline homes with? 2. High Valued Homes: Most of our carriers will not write a home with a dwelling limit higher than $1.2M and most high value home carriers want homes starting around $2M. Chubb can write the homes in between, however their pricing is much higher than the direct writers we come up against. Where are you all placing these homes? 3. Marketing: What type of marketing do you all do? We have a great website and Facebook page, however we do not see a lot of new business come our way via these channels. Have you had success with local commercials, mailings, diner placemat advertising, etc.? I look forward to reading all of your comments.

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From Brandon Abo - Critical Insurance is a VALUABLE piece of insurance that can bridge a gap between health insurance co-pays and deductibles and also provide some cash to make up the the low disability income the client may receive. Below are some key points as to why this is an important sale. Retirement Protection - Critical Illness Insurance is the only product that can truly protect your retirement portfolio during the asset accumulation stage of life. Many agents work hard developing a "plan" for their clients retirement, only to watch that plan go up in smoke when the client is diagnosed with a critical health condition and doesn't die. All the effort by the agent and client to develop a plan is no good if it's not protected. Income Protection - Disability protects your clients paycheck. At least a percentage of their paycheck. Considering only about 60% of your client's income is replaced with disability coverage (leaving 40% uncovered). Disability policies are usually sold with a 90 day elimination period (benefits are always paid in arrears) often leaving months of no income. Critical Illness Insurance does not have the occupation restrictions that disability insurance does and it provides an immediate tax free, capital based way of replacing income. It is easier to turn capital into income than it is income into capital. Mortgage Protection - Why is it that banks request term insurance (as a kind of mortgage protection) when only 3% of mortgage foreclosures are due to a death? Critical Illness Insurance is the new kind of mortgage protection! Considering 48% of mortgage foreclosures are due to a critical health condition, this coverage is imperative.