| Cover Story |  | | Carriers underpricing LTCi and general misconceptions about Medicare contribute to the product’s negative press, but retirees risk exposure to catastrophic costs without it. | | If you ask most people heading out the door if they would grab an umbrella with a 40% chance of rain, the answer would probably be yes. So when it comes to Long-Term Care insurance (LTCi), why might many independent insurance agents tell you that getting their customers to purchase it is a difficult sale? | |  |
| Chairman's Voice | | Making Best Practices Work for You | | | Have you had your fill of platitudes and magic bullet solutions to your agency’s problems? Do you wish there was a source of accurate and credible information on what the top agencies are really doing that makes them successful? | | Author: Michael Donohoe | | |
| Forms & Substance | | Self-repairs, Insurable Interest, Domestic Employees | | | Profit and Overhead When Insureds Repair Their Own Damage; Insurable Interest in Personal Property; Covering Claims by Domestic Employees | | Author: Bill Wilson | | |
| On Branding | | The Power of Personal Websites | | Like The Who said: “Who are you…who who…who who?” So, how do people know you, and more importantly, how do you get known? How do you become “the insurance pro”? It’s called branding, and it starts with what you do when you meet someone.
| | Author: Debbie Russell | | |
| On the Hill | | Flood Insurance Battle Rages On | | | In late December 2011, President Barack Obama signed H.R. 2055, the “Consolidated Appropriations Act” (known as the mini-bus) into law, extending the National Flood Insurance Program (NFIP) until May 31, 2012. The NFIP would have otherwise expired a few hours later at midnight on Dec. 23. | | Author: Margarita Tapia | | |
| Ace Insura | | The Case of the Fragmented Figurine | | | Humpty Dumpty took a fall...and broke. The woman who dropped the figurine—owned by her boss—asks Ace if her homeowners policy would cover the cost to replace the antique, which she was bringing to an antique show for an appraisal. The answer to her question, Ace says, depends on whether or not her boss required her to do the task. | | Author: Jonathan Hermann | | |
| Insurance Views | | Put Some Stories in Your Playbook | | | When a football coach positions his defense, he spreads players over a wide area. Some line up to the left of the ball, and others line up to the right. Some take stances near the line of scrimmage, and others position themselves away from it. Many cluster near where plays most often come but a few scatter to areas of less action and more risk. Why is that? | | Author: Mark Caner | | |
| Online Extras | | Incentives, Filesharing, PAP vs. HO | | | Incentive Compensation for Non-Producers; Strategic Planning for Salespeople; Fixing $12 Haircuts; Filesharing; Loading and Unloading…PAP or HO? | | Author: Bill Wilson | | |
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