Our blog page covers topics related to the Human Resouces (HR) industry.
In it, you'll find information of national interest, such as current HR trends, industry updates, new HR products reviews, and access to Human Resource training, including online training, seminars, webcasts, audio conferences, and podcasts - all designed for you, the busy professional!
We also cover key HR compliance topics such as COBRA, HIPAA, FMLA, Retirement Plans, Compensation, Workforce Management, and employee development.
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Want to close more life insurance sales? Call on RUBY and VIC.
RUBY and VIC aren't characters in a Damon Runyon story. Instead, they're an easy-to-remember system to keep your sales presentation on track and your closing ratio as close to 100 percent as possible.
Often, all you need to close is RUBY. But if you get through these four steps without a sale, cal in her buddy, VIC, to nail it down.
Before you start on your RUBY/VIC-guided presentation, do a fact finder. While
While everyone would like to have long-term care (LTC) insurance, many people believe they cannot afford it. That is understandable, because LTC insurance is not inexpensive. A fairly typical benefit package ($200 per day for up to three years after a 100-day elimination period, with inflation protection) costs roughly $2,200 a year at age 60 and increases to $4,450 a year at age 70.
However, despite the cost, most people who think they cannot afford insurance actually can afford it. As
I believe that annuities and long-term-care insurance are a winning combination. Sell a client either one, and you're in a great position to sell the other and help that client enjoy an even more secure retirement.
But why should you consider running parallel marketing campaigns for annuities and LTC as a combination? The first answer is that some people will respond to a direct-mail piece on annuities, but will immediately toss out an LTCI mailer. Others will do just the opposite. So,
A client appreciation event is a great way to thank clients, create a memorable event for your attendees, and gain lots of new referrals. Yet, they also can be frustrating exercises filled with spending time and money without the yield we hoped.
We want clients to bring friends. We want clients to give us additional business post event. And, of course, we want referrals. Here are some strategies that advisors have used to get exactly what they want from their client appreciation
If you think a successful long term care sale ends with the policy delivery, think again. Once the sale has been made, you need to keep tabs on your clients so that you know when they are considering filing a claim; they will undoubtedly need your expert advice and guidance. With your help, your clients will not only get through the process faster, but will also avoid making bad decisions that could eventually come back to haunt them. Without your help, they can make honest mistakes that will
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