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In the life insurance business, there are highs and there are lows in activity. There are several factors that traditionally contribute to this ebb and flow, but lately there have been some anomalies that are affecting the life insurance sales industry. In this article, I will examine some reasons why insurance sales would be on the rise or why they are currently in a lull.

Back a few months ago, when it was the beginning of summer, I expected a downturn in business as I always can anticipate in the summer season. Summers are slow as far as life insurance sales because people are either on vacation or they’re just too darn hot to get out and meet with a salesman. What’s more, the life insurance salesman too is on vacation. The agents usually go out and enjoy the nice weather and take the summer off to golf or maybe meet with prospects in a more relaxed atmosphere. Well, the summer is over (as far as the calendar is concerned), but the weather is still fine outside - at least in the South. At any rate, business is still running at a slow pace.

Speaking for this particular month (September 2005), it very well may be that since consumer confidence is down to an all time low since 1990, hurricane Rita and Hurricane Katrina just ripped through, and the fact that gas is at an all time high, consumers are thinking less about the future (life insurance) and more about how to keep afloat right now.

On a more global scale, perhaps life insurance sales are down because of the war in Iraq or the tension between the USA and other Countries.

Also, could it be that the “me” generation is getting its way? Are folks just not thinking about the welfare of their families as much?

One thing that has impacted the service industry in a huge way is the “do not bother me” mentality that we’ve all adopted. The do not call list, do not fax list, and no soliciting signs are crushing an industry that once thrived and depended upon these methods of communication. The life insurance agent or broker faces a real challenge where this is concerned.

So what can we do to boost sales? Can the companies help? My opinion is “yes”, the insurance companies CAN help to boost business. Just recently, Prudential has aired a consumer awareness commercial about the importance of life insurance where a boy asks his Father “Dad, do you have life insurance?”. I propose that we, as agents and general agents rally the insurance companies and get them to raise awareness and create desire to protect wealth, secure businesses well-being, and promote a better future.

By: Ashley Brooks, CLTC

Ashley is the marketing vice president for the Family Life Insurance Brokerage Business and has a background in Health & Financial Underwriting, Insurance Plan Design, and “best deal” shopping. Brokerage Services carries only A rated (or better) companies in their product portfolio and has been serving the needs of Independent Insurance Agents since 1977.

Get a free online term life insurance quote from Ashley Brooks here Term Life Insurance Quote

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So, you’ve started your own business. You saved the money, carefully constructed a business plan, thoroughly studied your potential consumers or clients based on their needs for your product or service, rented a space from which to work, hired a few people, and posted the “Open” sign on the door. But wait -more goes into business management that just planning your business, hiring employees, and selling a product or service. As a business owner, you need to consider risk management and insurance.

The steps of risk management and purchasing insurance are some of the most important steps when it comes to business management. Risk management involves considering the kinds of damage to your business or employees that could occur, taking the necessary steps to help ensure these kinds of damages don’t occur, and how to handle these kinds of damages in the event that they do occur.

First, you need to figure out what kinds of accidents could happen on your job site that could cause damage to your business or injuries to your employees. Your roof could spring a leak, causing water damage to your computers and an employee to slip and injure himself. You could end up with faulty smoke detectors, causing your business’s structure to burn and your employees to suffer smoke inhalation. Get creative with your scenarios - you never know what might happen.

Next, think about all the precautionary measures that need to be taken in order to prevent damage should any of these accidents occur. Keep close watch on your building’s structure, and make repairs as needed. Train your employees on how to act in the event of an emergency.

Finally, purchase adequate insurance for your business in case precautionary measures and employee training don’t work.

The steps for effective business management include more than just producing a sellable product and making money. Be sure to include the steps of risk management and insurance, too.

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Most of us get our home insurance when we buy our house. It often becomes part of the monthly mortgage payment and is easy to forget about. However, it’s a good idea to think about your home insurance from time to time. Here’s why.

Your coverage needs may have changed. There are lots of things that can happen to change your home insurance coverage needs. One of the most obvious is major remodeling. If you’ve redone your kitchen, added a room or built an outside structure such as a workshop you may not have enough coverage under your current policy.

Also, if you’ve made any major purchases such as a computer system, or received any gifts such as jewelry, you may need to get a floater or endorsement for those extra items. This will make sure they are covered by insurance in case of a loss.

Life events may have also changed the coverages you need. For example if someone has moved in or out of your home, they’ll probably have personal items that will need to be covered by the home insurance policy, or in the case of moving out, no longer need to be covered.

You may now qualify for discounts. If you’ve added burglar and fire alarms, updated electrical and plumbing and done other improvements that make your home safer, you may qualify for a discount.

Your home insurance company may have made some changes. It’s easy to overlook the details in the policy declarations that your home insurance company sends you at renewal. They may have made some changes that could affect your coverages or even your rate. Make sure to read your policy declarations carefully.

The bottom line is that you should not just forget about your home insurance once you’ve taken out the policy. You should review your policy at least every year — when you get your renewal documentation is a good time — and contact your insurance company with questions.

If you feel that you are not getting the best service or value from your home insurance, you should do some comparison shopping. When you comparison shop, compare coverages, premium and consider the service records of the companies. It’s a good idea to get at least three quotes when comparison shopping.

Scott Lunt is a freelance writer with over 15 years experience writing insurance-related articles. You can compare home insurance quotes and find more tips on saving on car, home, life, health and long-term care insurance at LowerYourInsurance.com.

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