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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

Cash advance loans are designed totally to support those who are young and want to fulfill their different requirements.

1 year loans no credit check offer funds to those who have bad financial status in the past. These cash schemes will assist you with the ample funds for 1 year. You have an option of paying back in easy installments within 1 year.

There are two kinds of animal insurances; at the first it is coming in small animals that are tamed for our domestic livings. Mostly we are calling them our pets, like dogs, cats or same sorts of small animals. Insurance company gives coverage of the medication and surgery even death of those beloved animals which are always companied by us.

The Iroquois Group has long working relationships with many other companies that work in the insurance industry, companies that offer services such as agency management systems, publicity and financing, to name a few. Iroquois members are afforded certain discounts or advantages with many of those companies.

Some key employees who want ownership will never be given an opportunity to become owners regardless of what they do. This is because some owners are set on holding on to 100% ownership until they sell it all to a third party or die. Fortunately those cases are in the minority and most key employees have a reasonable chance of gaining ownership if they understand potential issues, consider human nature, are patient and consistently do the right things to get them closer to their objective. In this article we will provide advice to key employees about what they need to do to become owners.

Key employees who are being considered future candidates for ownership need to be told what is expected of them in order to earn the privilege to purchase a minority interest in the agency. Keeping them in the dark can lead to their frustration, resentment and possible loss. This holds true for employees who are not family members as well as those who are.

In recent years, annuity insurance plans are becoming much popular among young investors. NPL or national pension System is among those investment options investors are badly going after. These plans have emerged as an additional option for those who want to secure their retirement life by receiving a consistent income in the later years of life.

In most agencies, holding customers accountable seems to be one of the bigger frustrations. Have you ever thought or said "why is it always our fault when a customer has a loss that is not covered? They knew that they didn't have that coverage." For agents serious about minimizing the potential of their agency facing an E&O claim, achieving a high level of customer accountability is a great goal to strive for. To achieve this goal may require some hard work and some new initiatives. Documentation is a key but documentation is more than just words in the system. Any agency will be hard pressed to hold their customers accountable without a file that is well documented. However, documentation by itself will not get it done. Agents need to fully understand that when an E&O claim happens, the E&O carrier will look to secure the actual file in question (paper or electronic) to see what it looks like and what it contains. Solid documentation that is handled promptly, is accurate and professional will make the E&O carrier's job much easier. Conversely, a file with sketchy documentation could prove to be a problem in an E&O matter. Effective handling of client interactions is very important. Every day, customers are asking questions, modifying coverages, etc. The questions (and the answers provided) should be fully documented in the agency management system. In addition, requests to delete or decline coverage or to modify coverage in some manner should be documented as well. But documentation only in the system may not be enough. The agency should have a procedure for confirming / memorializing the discussion. Without this, mistakes can occur. Possibly, what the agency heard is not what the customer requested or possibly what the customer advised is not what they really meant. Let's take the scenario that the agency has provided a personal lines umbrella proposal and the customer calls to advise your agency that they are not going to purchase this coverage. W

The Iroquois Group® recently announced changes to its regional structure to better align Iroquois regions with those of their carrier-partners and to provide greater resources and financial opportunities for its members.

Insurance coverage defends those who totally depend on you. Good deal insurance company provides various ways, you may be able to manage your plan and reduced costs , and easily get claim money.