Quote, Bind, Sell, Repeat!: Mastering the Art of Property & Casualty Insurance


Book Description

I ventured into the insurance industry by accident. I can remember the exact moment it happened. It was 2012 and I recently closed my night club after 12 long years of dealing with everything that came with the nightlife. Bar fights, alcohol liabilities, competition, law enforcement, etc. The money was awesome, but it did come with a price. My days often begun at 3:00 pm and ended at 6:00 am. I loved dealing with people on an everyday basis, but the life had taken its toll on me. I needed a change. I befriended a club DJ who was from Brooklyn, New York. Ironically, our stories were kind of similar he had just left the housing industry as an inspector and was Deejaying part time until he could get back into a successful trade industry. He mentioned a P&C insurance class he had signed up for and suggested I give it a try as well. My first response was. "Insurance, man I can't stand insurance, that stuff is boring and what is P&C?" He went on to say that he knew of a few insurance agents that were making six figure incomes and a P&C Insurance license was all that was required to start writing business and P&C stood for property & casualty. That sparked my interest so I agreed to sign up for the class, what could it hurt. Four 10-hour days of P & C insurance information was overwhelming to say the lease. How could someone learn all of this in this small amount of time, study for the test, take the state exam and expect to pass; it seemed IMPOSSIBLE. Until I turned it into a 7-million-dollar business in just 4 years.




Property and Casualty Insurance Concepts Simplified


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.




How to Sell Property and Casualty Insurance


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.




How to Sell Property and Casualty Insurance 2nd Edition: Understanding Insurance Sales, Tips and Techniques.


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.




A Century of Innovation


Book Description

A compilation of 3M voices, memories, facts and experiences from the company's first 100 years.




The Conduct of Life


Book Description




Crossing the Chasm


Book Description

Here is the bestselling guide that created a new game plan for marketing in high-tech industries. Crossing the Chasm has become the bible for bringing cutting-edge products to progressively larger markets. This edition provides new insights into the realities of high-tech marketing, with special emphasis on the Internet. It's essential reading for anyone with a stake in the world's most exciting marketplace.




TRADOC Pamphlet TP 600-4 The Soldier's Blue Book


Book Description

This manual, TRADOC Pamphlet TP 600-4 The Soldier's Blue Book: The Guide for Initial Entry Soldiers August 2019, is the guide for all Initial Entry Training (IET) Soldiers who join our Army Profession. It provides an introduction to being a Soldier and Trusted Army Professional, certified in character, competence, and commitment to the Army. The pamphlet introduces Solders to the Army Ethic, Values, Culture of Trust, History, Organizations, and Training. It provides information on pay, leave, Thrift Saving Plans (TSPs), and organizations that will be available to assist you and your Families. The Soldier's Blue Book is mandated reading and will be maintained and available during BCT/OSUT and AIT.This pamphlet applies to all active Army, U.S. Army Reserve, and the Army National Guard enlisted IET conducted at service schools, Army Training Centers, and other training activities under the control of Headquarters, TRADOC.




Loneliness as a Way of Life


Book Description

“What does it mean to be lonely?” Thomas Dumm asks. His inquiry, documented in this book, takes us beyond social circumstances and into the deeper forces that shape our very existence as modern individuals. The modern individual, Dumm suggests, is fundamentally a lonely self. Through reflections on philosophy, political theory, literature, and tragic drama, he proceeds to illuminate a hidden dimension of the human condition. His book shows how loneliness shapes the contemporary division between public and private, our inability to live with each other honestly and in comity, the estranged forms that our intimate relationships assume, and the weakness of our common bonds. A reading of the relationship between Cordelia and her father in Shakespeare’s King Lear points to the most basic dynamic of modern loneliness—how it is a response to the problem of the “missing mother.” Dumm goes on to explore the most important dimensions of lonely experience—Being, Having, Loving, and Grieving. As the book unfolds, he juxtaposes new interpretations of iconic cultural texts—Moby-Dick, Death of a Salesman, the film Paris, Texas, Emerson’s “Experience,” to name a few—with his own experiences of loneliness, as a son, as a father, and as a grieving husband and widower. Written with deceptive simplicity, Loneliness as a Way of Life is something rare—an intellectual study that is passionately personal. It challenges us, not to overcome our loneliness, but to learn how to re-inhabit it in a better way. To fail to do so, this book reveals, will only intensify the power that it holds over us.




No Logo


Book Description

"What corporations fear most are consumers who ask questions. Naomi Klein offers us the arguments with which to take on the superbrands." Billy Bragg from the bookjacket.