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Author: Michael Bonilla
Publisher: Independently Published
ISBN: 9781796830897
Category : Business & Economics
Languages : en
Pages : 178
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Book Description
When a marketing rep comes into your office or someone from the management team and tells you to, 'Sell the value', how often do you find yourself rolling your eyes? As a former agency owner and now a consultant, I often find myself spouting the same slogan. Why? Because, I have done it and done it quite successfully. Whenever a rep came into my office and told me to sell the value of carrier X, I would think that's something an expensive company would say or an overpriced company, because what else could they say?We've officially entered a hard market cycle in California on the personal lines side, which is strange to even say. The market has tightened up and many carriers are non-renewing or reducing underwriting appetite to not take on a lot of new business in California. This is why I started writing in 2014 and again in 2017, 2018 and 2019. In my estimation our industry is going to see a massive shift over the next 3 or 4 years. A shift from judgement underwriting to block chain and data underwriting. Artificial intelligence has already been underwriting, selling and handling claims for smaller insure-tech companies for the past 4 years. This is a prevalent trend in our industry. But, why?Why? Because, we have shifted our focus from selling peace of mind to selling a price. Why? Because, we have put more value on talking about premium, payments and price, than having hard conversations about protecting assets and families. We have shifted hard on price, and almost every insurance company has followed suit in their marketing efforts. Almost exclusively every billboard, social media ad and print ad espouses X insurance carrier savings you up to 25-43% on your insurance per year. The conversation has shifted in a way that will cannibalize our industry and wrongfully set expectations for consumers.A recent study by insurancequotes.com found that around 80% of consumers self-report in blind surveys that consumers shop or are prompted to shop based on price. This study is congruent with most studies down on consumer behaviour.
Author: Michael Bonilla
Publisher: Independently Published
ISBN: 9781796830897
Category : Business & Economics
Languages : en
Pages : 178
Get Book Here
Book Description
When a marketing rep comes into your office or someone from the management team and tells you to, 'Sell the value', how often do you find yourself rolling your eyes? As a former agency owner and now a consultant, I often find myself spouting the same slogan. Why? Because, I have done it and done it quite successfully. Whenever a rep came into my office and told me to sell the value of carrier X, I would think that's something an expensive company would say or an overpriced company, because what else could they say?We've officially entered a hard market cycle in California on the personal lines side, which is strange to even say. The market has tightened up and many carriers are non-renewing or reducing underwriting appetite to not take on a lot of new business in California. This is why I started writing in 2014 and again in 2017, 2018 and 2019. In my estimation our industry is going to see a massive shift over the next 3 or 4 years. A shift from judgement underwriting to block chain and data underwriting. Artificial intelligence has already been underwriting, selling and handling claims for smaller insure-tech companies for the past 4 years. This is a prevalent trend in our industry. But, why?Why? Because, we have shifted our focus from selling peace of mind to selling a price. Why? Because, we have put more value on talking about premium, payments and price, than having hard conversations about protecting assets and families. We have shifted hard on price, and almost every insurance company has followed suit in their marketing efforts. Almost exclusively every billboard, social media ad and print ad espouses X insurance carrier savings you up to 25-43% on your insurance per year. The conversation has shifted in a way that will cannibalize our industry and wrongfully set expectations for consumers.A recent study by insurancequotes.com found that around 80% of consumers self-report in blind surveys that consumers shop or are prompted to shop based on price. This study is congruent with most studies down on consumer behaviour.
Author: Michael Bonilla
Publisher:
ISBN: 9781977088543
Category :
Languages : en
Pages : 101
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Book Description
This book is a comprehensive guidebook to selling Auto, Home and Umbrella Insurance. I've also put in some Commercial Lines tips as well. If you're having a hard time selling insurance based on value and keep getting price objections. This book might be what you have been looking for. I've detailed out methods, rebuttals, tips and techniques to help. This book answers a lot of common questions I receive from Agents. It's tougher now than ever to compete as an insurance agent. Give it a read and let me know what you think.
Author: Corynne Jaffeux
Publisher: CRC Press
ISBN: 1466573082
Category : Business & Economics
Languages : en
Pages : 590
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Book Description
The logistician plays a critical role in the growth of his or her company – in this third edition of Essentials of Logistics, the conceptual framework in which all the stakes and themes of logistics is systematically analyzed, with a strong focus on the role of the supply chain. Indeed, many elements are critical to the successful logistical strategy: customer relation management, interactive information support, production optimization and process development, vision, strategy and operations management, and human resources and resource allocation. Growing out of a successful course given by the International Institute for the Management of Logistics (IML) of the Swiss Federal Institute of Technology (EPFL), in Lausanne, and by the Ecole des Ponts-ParisTech (ENPC), the purpose of this book is to present a methodology allowing the reader to understand and act based on the critical factors embedded in the design of strategy. Concepts are thus combined with practical examples. Transversal vision and detailed case studies highlight the main themes of modern logistics and daily preoccupations of logisticians. The book is addressed to all professionals of logistics: managers, planners and engineers; as well as to graduate students specializing in the field.
Author: Kevin Glaser
Publisher: Inside the Insurance Industry - Third Edition
ISBN: 9780991038817
Category : Business & Economics
Languages : en
Pages : 124
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Book Description
This book is written in an easy-to-understand format that allows people with limited insurance experience to better understand various areas in the insurance industry. It contains just the right mix of broad and specific information.
Author: Hagglund, Weimer, Whitman, Hillestad
Publisher: Wolters Kluwer
ISBN: 154380232X
Category :
Languages : en
Pages : 1030
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Book Description
CGL Policy Handbook, Third Edition offers plain-language analysis of the complex points of the CGL policy language and case law, focusing on issues where the terminology is subject to more than one interpretation. Whether you represent policyholders or insurers, you'll find the practical guidance you need to resolve coverage issues faster and prepare or defend claims more effectively. This comprehensive manual provides outstanding analysis of how CGL policy may integrate with many other primary liability policies and umbrella policies and offers helpful guidance for determining when specialized insurance policies or endorsements may need to be supplemented. Recent updates include discussion of many recent developments and adds significant new case law on a number of critical issues including: Enterprise risk management The insurance aftermath of September 11, 2001 Property damage Intentional damage exclusion Polluted related exclusions Employment related exclusions Motor vehicle exclusions "Expansive risk" exclusions Personal injury Advertising injury There's simply no more comprehensive or current research tool in this fast-changing area of the law! Previous Edition: CGL Policy Handbook, Second Edition, ISBN 9781454805892
Author: Nickolas James
Publisher: John Wiley & Sons
ISBN: 1394235283
Category : Law
Languages : en
Pages : 659
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Book Description
Author: Ric Edelman
Publisher: Zondervan
ISBN: 0062016555
Category : Business & Economics
Languages : en
Pages : 673
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Book Description
Home Sweet Home: How to buy your first home, your next home and save on taxes when you sell. A-Z of Investments: From annuities to zero-coupon bonds, go from owing money to OWNING money. Get out of debt (and stay that way). Estate Planning & Long-Term Care: Learn how to protect yourself and your family.
Author: Travis J. Lybbert
Publisher: University of California Press
ISBN: 0520343581
Category : Business & Economics
Languages : en
Pages : 371
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Book Description
Written to provide students with the critical tools and approaches used by development economists, Essentials of Development Economics represents an alternative approach to traditional textbooks on the subject. Compact and less expensive than other textbooks for undergraduate development economics courses, Essentials of Development Economics offers a broad overview of key topics and methods in the field. Its fourteen easy-to-read chapters introduce cutting-edge research and present best practices and state-of-the-art methods. By mastering the material in this time-tested book, students will have the conceptual grounding needed to move on to more advanced development economics courses. This new edition includes: updated references to international development policy process and goals substantial updates to several chapters with new and revised material to make the text both current and policy relevant replacement of several special features with new ones featuring widely cited studies
Author: Christopher J. Boggs
Publisher: Lulu.com
ISBN: 0578053977
Category : Business & Economics
Languages : en
Pages : 200
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Book Description
This book details key property and casualty concepts rarely discussed or found in print; rather they are often left to be "discovered" over time. These important concepts are now written down for all insurance practitioners to easily access. Examples of the topics and concepts found in this book include rules for reading ANY insurance policy; why losses are excluded; contractual risk transfer; legal liability theories; "COPE" details; and the proper explanation of coinsurance concepts. Also included is a rather extensive glossary of insurance and insurance-related terms. Readers will: 1) Gain a deeper understanding of insurance theories; 2) Be better prepared to explain insurance concepts to their clients; and 3) Develop a greater appreciation and understanding of the claims valuation process.
Author: Jack Hungelmann
Publisher: John Wiley & Sons
ISBN: 0470464682
Category : Business & Economics
Languages : en
Pages : 384
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Book Description
Now updated — your guide to getting the best insurance policy Are you intimidated by insurance? Have no fear — this easy-to-understand guide explains everything you need to know, from getting the most coverage at the best price to dealing with adjusters, filing claims, and more. Whether you're looking for personal or business insurance, you'll see how to avoid common pitfalls, lower your costs, and get what you deserve at claim time. Get to know the basics — understand how to make good insurance decisions and reduce the chances of a financial loss in your life Take your insurance on the road — manage your personal automobile risks, handle special situations, insure recreational vehicles, and deal with insurance adjusters Understand homeowner's and renter's insurance — know what is and isn't covered by typical policies, common exclusions and pitfalls, and how to cover yourself against personal lawsuits Buy the right umbrella policy — discover the advantages, and coordinate your policies to cover the gaps Manage life, health, and disability risks — explore individual and group policies, understand Medicare basics, and evaluate long-term disability and long-term-care insurance Open the book and find: The best life, health, home, and auto policies Strategies for handling the claims process to get what you deserve Tips on adjusting your deductible to suit your lifestyle How to navigate healthcare policies Ways to reduce your risk and your premiums Common traps and loopholes Considerations for grads, freelancers, and remote workers
