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Do you 'throw away' too many referrals? A producer I was working with was ecstatic one hot summer day because he had just obtained 10 referrals from a client. I was excited too and the producer was going to begin working those new referrals right away. Well, in tracking the success of those 10 referrals, only one got written. Is that good or just normal? Let's just say, both of us felt it should have been better. So, analyzing what took place led to the following results: * 2 were not reachable; the producer never connected with the decision-maker. * 2 were messy businesses that the producer realized would be declined if submitted * 3 had strong to severe loss issues * 1 failed to provide all the needed information * 1 was presented, but not sold * 1 was sold Could this one out of 10 scenario have been prevented? That is what we took it upon ourselves to evaluate. The first evaluation made was really there were only three the producer was either able to, or wanted to, quote. So, of that group, he was really one for three. But, what about the rest of the referrals - the ones not quoted? Preventable? In our analysis, many of those were preventable so that you wouldn't end up with 70 percent being "thrown away." The two that the producer was unable to reach were determined to be a problem based on the "introduction" he got from his client to those two prospects. (Note: You do ask to be introduced, don't you, when you obtain a referral?) The person calling their customer (our prospect) from the business was not someone known to them and thus, the call carried little weight. It was not a powerful introduction; it wasn't even a lukewarm introduction, so it was not surprising the producer couldn't get an appointment following that call. The five that were either messy businesses or had heavy losses weren't quality businesses. Was that the luck of the draw and he just accepted that when he asked for referrals, or could

These days were really beautiful when we were phoneless :) . Honestly speaking that when we had not phones, we enjoyed our privacy. But now after landline phone, there are cellular phones, and even in quality and coverage with lot of functions now we have Ferrari phone which is expensive and more than our image costly.

Too often, insuranceagencies tend to renew their Errors & Omissions coverage with the same limit they had during the previous policy period. If this has been the practice in your insurance agency for a number of years, there is a good chance the E&O limit is significantly outdated. While there is no magic formula for calculating the proper E&O limit, small agencies can still cause big E&O claims, so there are a few things to keep in mind.

Jewellery insurance policy covers losses that you might face in form of theft, damage, a burglary that helps you to get a cover from it. Sometimes insurance can cover the jewellery the person had worn during a mishap.

Senior citizen's vulnerability to diseases is no secret and health insurance plans are trying to help you cope with the same. As we grow, the lifestyle takes a toll on our health and suddenly we get diagnosed with an illness we had never dreamt about. The scenario is worse with the senior citizens as they are more likely to suffer an illness or meet an injury while doing their daily life chores.