What’s the Difference Between Moving and Non Moving Violations?

There are two broad categories of traffic tickets. Knowing which you have is important when determining what to do in your situation.

If you receive a minor citation that doesn’t result in points to your license you might be better off just paying it instead of fighting it in traffic court.

The two main types of traffic tickets are either moving or non moving tickets. Non moving tickets usually involve smaller fines and can be a parking ticket or some kind of fix it ticket.

These can be a nuisance but at least they wont go on your driving history or be reported to your auto insurance.

Non moving violations can be things such as not wearing your seatbelt, a broken headlight or improperly parking your vehicle.

The fines for non moving violations are normally small, like around $50 or less. So its usually better, just from a hassle stand point, to pay these types of violations and not waste hours in traffic court.

However if the ticket can cleared easily you should certainly try. For example a ticket for a non working tail light can be dismissed if you show proof you fixed it in most cases.

Moving violations are a violations of the law committed while the vehicle is in motion, and this term ‘motion’ distinguishes it from a non moving violation. While most moving violations are considered misdemeanors or infractions, more serious violations can be felonies.

Moving violations normally involve the payment of fines, and also having points assessed against the driving record of the driver. As points are accumulated more severe punishment can be ordered such as having to take defensive driving courses up to having your drivers license suspended.

You may think we have it bad in the US, and we do, because traffic fines can go all the way up to $500 and more. But in some countries around the world, traffic can be set according to an individuals income, and in some rare cases be more than $100,000!

More common moving violations can include speeding (THE most common), failure to secure a load, failure to yield right of way, violating high occupancy vehicle lanes, or not stopping for a pedestrian.

Some examples of serious moving violations are drunk driving, racing on a public road, road rage and vehicular homicide.

Traffic violations are also broken down into either civil or criminal. While they both have points and fines associated with them, only criminal violations can wind up you up in jail.

Sentences handed down in criminal violations are obligations to the state for acts committed. The term ‘state’ can be a city, town, state or federal government or any other kind of m municipality. These are moving violations that you need to avoid at all costs, obviously.



Source by Steven Swihart

IRACIS – A Roadmap to Business Intelligence ROI

So often when companies are considering a business intelligence project or software purchase, a question arises that seems to stump everyone involved.

“Where is the ROI in this project?”

This question has stopped many a business intelligence project in its tracks. Maybe it’s asked by the CFO or CEO. Maybe it’s brought up in one of the meetings with a vendor or consultant presenting a solution. The sad truth is if you can not answer this question with hard numbers in specific areas, the ROI probably isn’t there.

I.R.A.C.I.S. is a simple acronym that can be used to quantify a business intelligence project’s worth to a company. It stands for the following:

Increase Revenue – How will this application and functionality drive more sales to new or existing customers, shorten the sales cycle, and/or bring down the cost of sales?

Avoid Costs – By far the area most focused on in BI project justifications. How will this application help us improve efficiency, put more information in the hands of our business people and eliminate wasteful processes?

Improve Service – Will this application affect our client base noticeably? Will we be able to provide more timely and valuable information to our customers, prospects, and suppliers?

Many times in a business intelligence effort, there are outcomes that are deemed desirable. Things like ad-hoc report generation, more informed operations staff, and less lag time in financial reporting are nice. But they will not justify the investment in a business intelligence solution from a quality software vendor without direct and secondary benefits quantified in the there areas mentioned above.

Let’s face it, business intelligence solutions are not cheap. There are many scalable solutions on the market today that range from traditional software implementations, to SaaS (Software as a Service), and even open source solutions. Large companies have long embraced the benefits of business intelligence and now with these diverse offerings the small and mid sized companies are also taking advantage. However, any business intelligence project is only as good as the planning, effort, and data that go into whatever software platform you are using. Hence another phrase often heard in many BI projects, “garbage in, garbage out.”

By using the I.R.A.C.I.S. model to quantify the value of the solution to the company, you provide everyone with a clear roadmap to what is deemed a successful project. From the executive sponsor at the company, to the vendor you are working with, there is no ambiguity as to what is expected as a final outcome. I would challenge any company that is considering a business intelligence project of some sort, that if you can’t find a solution that addresses at least one of the three areas above, if not all three, that the project is probably not worth doing at all. And if the solution or software product is incapable of scaling to address all three areas in the long run, then it probably isn’t the best product for you. This may seem like harsh criteria, but in an era where most large companies own 3 or 4 separate business intelligence tools, it’s apparent that more critical thinking is needed before a solution or platform is purchased.

Not only is this acronym a good way to quantify a project’s worth to a company, but it can become a brainstorming tool for the types of applications you are looking to create. Above I noted that the Avoid Costs portion of this acronym is by far the most focused on for business intelligence projects. Why is that? Is business intelligence only good for eliminating waste and making an organization more efficient? Can it not be used to increase revenue by putting valuable information in front of prospects you haven’t been reaching yet?

I would argue that some of the best and most successful business intelligence applications I know of, focus on the first category of Increasing Revenue. Business intelligence is all about putting the right information into the right hands at the right time. For some company’s that might be an internal business analyst. But for so many others it can be putting information in front of your customers, prospects, and partners to provide new insight on a purchasing decision. When companies are selling complex products and services, sometimes you need to track the customer down where they live. You need to reach out to them with a compelling message about your product or value proposition and give them a reason to act on that information.

If you got an e-mail from a major car insurance provider, showing your current car insurance provider and the estimated rate you are paying, and then a graph showing a $700 savings in rate comparisons for the same coverage over one year, that would be a compelling e-mail to receive. It would probably motivate you to pick up the phone or go to a website to instigate further.

This would in turn Improve Service and Avoid Costs. Being able to present this kind of accurate and timely information to a prospective customer shows them that you have systems in place to save them money and provide the best possible service. It shortens the sales cycle and the cost of sales, driving up margin and profitability. It instills confidence in the company from a customer standpoint and also gets people talking about your product or service.

In the Information Age we live in, the data and information that companies have are their most valuable assets by far. Getting this information out in a usable format to the correct audience can be the role of business intelligence in any company. This should be a goal when looking at what business intelligence can do for a company. Don’t limit yourself to just eliminating waste and automating internal processes. I certainly think projects that focus on those topics are worthwhile and valuable to a business. But when you expand your thinking and remember that using the internet to deliver information in a variety of formats is the most cost effective way to reach a critical mass of people, only then can you realize your full ROI on the purchase of a business intelligence solution.

So the next time a discussion breaks out about a business intelligence project or initiative, think of the I.R.A.C.I.S. model as a way to discuss and evaluate a projects worth to your company. You might be surprised what you can come up with when your thinking turns towards revenue generation and service improvement. Just remember, after you’re done creating a new line of business or increasing an existing one, to ask your boss for a commission.



Source by Jesse Purdue

Characteristics of Term Life Insurance – What Are the Characteristics of Term Life Insurance?

What are the characteristics of term life insurance? Term life insurance pays a specific amount of money to beneficiaries if the named insured person dies within the term of the policy. That is the basic definition of a term life policy. The policyholder pays premiums for the entire length of the term in order to maintain insurance coverage. Some of the main characteristics of these policies are low premiums, no cash value, and it is for a fixed length of time, unlike whole life policies. Let’s look at these characteristics in depth.

When compared to whole life policies, one of the most significant characteristics is the low premiums associated with it. Whole life policies often carry higher premiums when compared to similar coverage in a term policy. Because there is a fixed period the insurance covers, the risk to the insurance company is lower than with a whole life policy. They pass that lowered risk along to the consumer in the form of lower premiums. Another reason for the lower premiums is the fact there is no accumulated cash value to the policy. The insurance company uses the premiums to cover the face value of the policy. There is no need to handle investments on the money for the benefit of the consumer.

No cash value means that if the named insured is still alive when the policy ends, there is nothing recovered for the premiums put towards the policy. There is also no ability to borrow against the value of the policy since it holds no real value until the named insured dies. Another significant characteristic is the fact that the policy does have an end date. Most policies go for various 5-year increments such as 10, 15, 20, or 30 years. But, many companies can write policies for other term lengths as well.

There are other characteristics this type of life insurance. One is the fact that even though the policy is for a fixed term, most allow for renewal at the end of the coverage. This means you can extend coverage for another policy term. The biggest problem with this is the premiums often go up because of the renewal. Another characteristic is some policies allow for conversion to a permanent life policy if desired. A portion of the premiums paid before the conversion help to enhance the value of the permanent policy. This is one reason why this investment is popular.



Source by Sean L Johnson

How to Start a Non-Emergency Medical Transportation Business

By now you must be aware of the many compelling reasons why a non-emergency medical transportation business offers entrepreneurs such a great business model. With the growth in the health care industry and the explosion of baby boomer retirees, this market is big and set to get even bigger still.

In this article we look at how to start a non-emergency medical transportation (NEMT) business. Learn about some of the steps that are involved and some of the aspects of this business that you will have to consider.

Franchise or Independent Operator?

There are now several players offering non-emergency medical transportation franchises. Entrepreneurs benefit with the franchise model as they can operate under an established brand and get advice and training to get started and run a business. However, with the franchise fees that must be paid initially and on an ongoing basis, the upside potential for profit is reduced. If you do your homework, you will find that this business is not that difficult and it is possible to start up and thrive independently.

Choosing the Right Area

Give some thought to the demographics of the area where you are setting up your business. Look for statistics that prove that there are a good number of elderly, disabled or Medicaid citizens living nearby. Compile a list of hospitals, dialysis centers, retirement homes, assisted living centers and other relevant operations. You could even make initial contact with some of these organizations and find out about the transportation solutions that they currently have in place.

Research the Competition

Identify all of the major competitors that you will have in your area and evaluate them in terms of their strengths and weaknesses. You may decide to incorporate parts of their business model into your own business and reject other parts. Learn as much as you can about them by reading their websites and calling their offices to ask questions. You can even spend some time following around some of their vans in order to understand how they work and to find out exactly who their customers are.

Getting Started – Licenses and Permits

Regulations and requirements for medical transportation businesses vary from state to state so you should make enquiries at the local level to find out what your obligations are.

As you are in the business of transporting paying customers from one place to another you will need some kind of permit, just as a taxi driver does. Your application for this kind of license will be handled by transportation authorities at the state or local level. Due to the nature of this work, some states will also require businesses in this industry to be registered with local health authorities.

There may also be other paperwork that needs to be done such as registering your business name, getting a business license (possibly more if you serve multiple counties) and zoning considerations if you run a home business.

Vehicles and Equipment

It is common for medical transportation services to purchase regular vans, either new or used, and then have them fitted out to suit special needs clients. Business owners typically start out with one vehicle and gradually add to their fleet as their business grows.

The best vans for an ambulette have a high raised roof and doorways. Access is usually on the side of the vehicle but can also be at the rear.

Some operators still use manual lifts to help them get wheelchair passengers into and out of their vans. However, you should be able to provide a faster, more professional service if you have a modern hydraulic lift installed.

Once inside the van, wheelchairs can be fastened to various securing devices so that they don’t move around during transit. Vehicles also require customized seatbelts for wheelchair bound passengers. You can also improve the quality of your service if you have some comforts like TV and air conditioning.

A decent sized van that is properly kitted out should be able to transport four wheelchair bound passengers at a time as well as have extra seats available for caregivers. Depending on your clients, you may also need a space in your van that will allow you to fit in a passenger that is confined to a stretcher.

Insurance Policies

To protect yourself from unforeseen events you will need to purchase a variety of insurance policies. A general liability insurance policy will ensure that you are covered in situations where your customers are injured or suffer losses while they are in your care. You will also need regular automotive insurance to protect yourself in cases where your vehicles are damaged, stolen or involved in traffic accidents.

Payment Options

Decide on how you want to collect payment for your services. You may have to invoice medical institutions on a monthly basis or you may need to process credit card payments for individual clients. If you service large clients like Medicaid then it may be as simple as receiving a check in the mail each month. Talk to some prospective clients and look at what their needs are. Find out what payment options your competitors are offering.

Service Hours

Give some thought to your operating hours. The best ambulette services in the market usually offer weekday service from early morning to late at night with decent hours on Saturdays too. As a sole operator you will be limited in the hours that you can take on. As you expand into a multi-driver operation you will be able to offer more flexible scheduling to clients.

Staffing Requirements

If you start out doing all the driving while also managing your business you will quickly get burnt out. In order to grow you need to step back and hire some drivers so that you can move into a purely management and marketing orientated role.

Staff should have a drivers license that allows them to take passengers and they may also be subject to certain standards or requirements at the local level. No matter what you should make sure that your staff are trained on how to do the practical side of the job. They need to know how to assist passengers and their caregivers as they get in and out of vehicles. They should also be instructed to smile and make pleasant conversation if the opportunity arises so that they help your brand to gain a positive reputation.

Marketing

There are many different ways to market a non-emergency medical transportation business. For some ideas on markets that you can target read our article on Medical Transportation Business Opportunities.

Initially you will have to go out and meet prospective clients and possibly even bid to try and win contracts. However, if your team are doing a good job then you will find that eventually business will come directly to you through word of mouth and referrals.

You can of course improve your chances of getting calls from private paying clients if you do a little advertising. A website that comes up in the search results when people search for ambulette services in your area can really help. A small Yellow Pages listing will also almost certainly be worth the cost. You can pretty much try any method that other local service businesses are using to promote themselves. Vehicle advertising is great for exposure and flyers, postcards or door hangers may work as well.



Source by Alan Redford

Traffic Tickets – It’s Not the End of the World

Let’s face it. Even the most careful drivers make mistakes. Even the most cautious among us sometimes get pulled over by the cops as they pull out that dreaded book of traffic tickets and remind you of your wrongdoings. So what to do once you get written up for a ticket? Well, the last thing you should do is panic. As we mentioned above, getting a ticket is not the end of the world. Here are some pointers on traffic tickets you should keep in mind if, by some cruel twist of fate, you may receive one.

Individuals basically have two choices when issued with a ticket. They can admit their wrongdoing and pay the stipulated fine (or pay their fine even if they know they’re right, simply to get things over with), or contest the charge in court. Now the first option may sound like the more sensible thing to do. After all, court cases can become quite convoluted and take a long time to resolve. So why not swallow your pride, pay what has to be paid, and return to regular programming as far as your life is concerned?

Unfortunately, it’s not as easy as that. People with traffic tickets in their name may have difficulty securing good insurance rates. In some cases, it could also cause one’s driver’s license to be suspended. So as you can see, what seems to be a very basic, straightforward way of bailing out of a tight situation isn’t that basic and straightforward after all? It could lead to complications which you would certainly want to avoid.

The most sensible way to avoid these complications after receiving traffic tickets is to hire an experienced, skilled lawyer. Or better yet, why not hire a paralegal and save yourself some money? Off the record, we know of many people who have gotten out of tighter situations than mere traffic tickets with the help of the right paralegal, so it might do you good to do some research and get yourself some quotes. Sure, they may not be actual lawyers, but they know the machinations of the legal system and could bail you out of trouble without having to compromise your integrity and, in the case of those driving commercial vehicles, your employment status.

With that in mind, the latter option is often a tad more expensive than the cost of paying most traffic tickets. But consider the benefits of hiring a paralegal – you’ll be spending less than you would with a lawyer and you’ll have somebody with knowledge of the legal system and somebody who knows how to negotiate a deal in your favor. Moreover, you can keep your driver’s license, enjoy lower insurance premiums and relish the peace of mind that comes with knowing your record is still clean.



Source by Ricardo Colindres

BCIN? Difference Between Designer, Architect and Engineer According to the Ontario Building Code

As I meet with new clients and friends every day, I commonly hear the same questions "What is a BCIN?" "When is a BCIN required?" Etc. Here is some clarification to the public on some important issues about choosing a company to provide you with plans. Please note that this information applies only in the Province of Ontario.

What is a BCIN?

A BCIN stands for 'Building Code Identification Number'. This number is assigned by the Ministry of Municipal Affairs & Housing, to successful applicants who have completed the requirements outlined in Division C Section 3.2 of the Ontario Building Code. There are two distinct types of BCIN number, individuals & firms. Individuals are people who have completed the exams and have received a BCIN from the MAH; However, they do NOT carry any insurance. As a result this limits the types of projects that the person can do. Firm BCIN's on the other hand MUST carry valid liability insurance, and depending on the amount of designs fees that a firm charges in a year will dictate the required amount of insurance coverage they must have. Insurance is expensive but it is there to protect you so avoid working with companies who do not have it. For most people, a home is your single largest asset; Do you really want to get plans from someone without insurance?

How do I know if I am choosing a registered company?

The Ministry of Municipal Affairs & Housing provides a database of all registered BCIN holders. The registry is available through a system called QUARTS. Once on the Public Registry, this system allows you to search by the individual's name, the company's name or the BCIN #. Once you have found a business or individual, it will bring you to a page with details on the company. It lists the mailing address of the business & contact details. At the bottom it should also show the Registration as 'Registered Designer' and the Status as 'Current'. If it shows up as 'lapsed or expired' then this means that they either do not have valid insurance for that year or that they are late in filing their paperwork.

Do I need an architect or engineer for my project?

Probably not! There have been massive changes to the system in the last few years, opening the doorway for a new title; Designers. Architects & Engineers are NOT required for any project less than 600m² (6,458 sq.ft.) and less than 4 storeys. For most residential and small commercial projects, you do NOT need an architect or an engineer. However, and this is important, if the project involves severe structural modifications, an engineer may be requested by the municipality to review the plans. On this note, there is a BCIN exam which will supersede this requirement! If your design company is a registered company in the Category of 'Building Structural' then they can complete the plans.

When do I need a BCIN 'stamp' for my project?

Depending on the type of project you may or may not need a BCIN number on your drawings. You do not need a BCIN number if the project relates to the construction of a house that is owned by the person who produces the drawings or if it relates to a farm building less than 3 storeys. There are a few other instances, but these are probably the two most important. Often I hear homeowners ask for just the drawings to submit for permit (no stamp). This is allowed, but as the homeowner you must be knowledgeable of the drawings (after all, you are claiming that you have produced them). It is okay to admit to the municipality that you hired someone to draw them for you, but at the end of the day you will be responsible to ensure that the drawings meet code. If the city has approved your building permission based on the drawings and you proceed to build your project to the drawings only to later find out that there is a problem, you will be on the hook to make any necessary adjustments to pass inspection. Most companies will charge from $ 200 to $ 2000 for the use of their BCIN number on the drawings. This may seem expensive but it is the security blanket that will keep you safe and ensure that your drawings meet code! I also personally apply for the permits and handle all the paperwork on my client's behalf when I charge this fee; Which most people prefer as nobody likes to stand in line for half a day to submit paperwork to the City.

I hope that this will help to clarify any questions you may have had regarding the requirements of having someone produce build permits for your project. I look forward to working with you, and if you have any questions then please do not hesitate to ask!



Source by Brian Fawcett

National Marketing Companies – The 3rd Rail of Insurance

Many people are fully aware of insurance agents and brokers and what they do. They meet with clients and explain potential coverage and service existing business. People also know who and what insurance companies are. When you sign the dotted line, you are purchasing coverage from an agent who represents that company. However, there is a 3rd rail to the insurance system and they are called National Marketing Organizations or NMO’s.

National Marketing Organizations (NMO) are known by a few other names.

Field Marketing Organization (FMO)

Internal Marketing Organization (IMO)

National Marketing Organizations are “middle men” who promote and train agents and brokers on insurance products. They constantly recruit independent insurance and promote insurance products to them. When an agent writes business, the NMO receives an over-ride on commissions. The more agents they recruit, the more money they make.

Independent Agents

NMO’s recruit independent agents who are not contracted or captive agents with one insurance carrier. Think Allstate, Farmers, American National, North Western Mutual and MetLife agents. Independent insurance agents are often times referred to as insurance brokers. They are able to place business with any company they choose that fits their client’s needs and are not required to sell only one insurance company’s products.

Over-rides are Less Expensive

All but a hand full of insurance companies require agents to contract with a NMO instead of contracting directly with the insurance carrier. The Insurance Company wants agents to be trained and serviced through a 3rd party which creates competition among NMO’s for agent’s business. It is less expensive for the insurance industry to pay over-rides to marketing companies for training and servicing agents than it is to hire a few thousand home office people who have to train, service, and market these very same products. When business is down, the insurance company does not have to constantly hire and fire people according to fluctuations in business.

Time to Sell

National Marketing Organizations get contracted with multiple insurance carriers for annuities, life, disability, and long term care insurance. Some NMO’s like the one I used to work for started out just wholesaling annuities and eventually added life insurance to the mix. In order to keep contracts with insurance companies, the NMO has to submit a minimum amount of business or production to have that insurance company available to sell to their contracted agents.

Insurance Hierarchy

Insurance Company (s)

NMO, FMO, or IMO

Agent

Or

Insurance Company (s)

NMO, FMO, or IMO

Broker Dealer/ Insurance Agency

Agent

Agent Commissions

Sometimes an insurance agency or a Broker Dealer is located in the commission hierarchy. Sometimes the agent will receive a cut in their street commissions or will be placed in a lower commission level. A street commission level is also referred to as the General Agent (GA) level and this means that they are receiving the highest level agent commission without taking a portion of the commission from their NMO.

NMO Commissions

Marketing companies receive an over-ride when an agent’s policies issue and pay out. The agent and the NMO are paid directly from the insurance carrier according to their respective levels. Agents and NMO’s can also be eligible for insurance company incentive trips, bonuses, and deferred compensation plans. Some NMO’s give their top performing agents additional compensation in the form of.25%-1% for their production. The reason why a NMO would do this is for a few reasons:

Something is better than nothing

It is better to have a big producer under your organizations instead of your competitors

A big producer can help a NMO achieve bonus levels with insurance carriers

Things to Look For when Choosing an NMO

· Training from sales people (Not Home Office People)

· Marketing and sales ideas

· Case follow up

· Technology

· Good Contracts

· Lead Systems (Most leads are horrible)

If you are an independent agent and are looking for a new or additional NMO to work with you should make sure the NMO will give you a release of your contract at any time. Make sure to get this in writing before you contract with them.

I cannot tell you have many times over the years that an agent could not move over to my old company because their current NMO would not release them. A NMO will essentially hold that contract as long as they can. Meanwhile, you will have to sell a different company that may or may not exactly be best for your clients needs.

National Marketing Organizations are necessary for the fluid movement of day to day insurance transactions between clients, agents, and insurance companies. Without NMO’s, business would not be placed in a timely manner and agents would not get the correct training on products to show to their clients. NMO’s are truly and asset to the industry.



Source by Robert C Eldridge Jr

37 Killer Insurance Sales Generating Lead-In Selling Phrases For Closing More Sales Instantly

Killer insurance selling phrases persuade the emotions within your lead prospect into emotionally wanting your product. This results into converting leads and closing more sales instantly. 37 key lead-in selling phrases using killer sales words to attract and lure insurance buyers are provided here. Instantly closing more sales is ammunition to stop competition in their tracks.

Researching key insurance selling phrases shows that sales people do not grasp how significant emotions and impulses are in the sales process. After obtaining a quality lead prospect, you must first find your prospective customer’s key emotion. Then you pound it home with killer sales words and phrases that nail down the urge in the prospective insurance customer to buy now. This combination separates true sales people from mere order takers. The biggest gamble you take is not trying to generate more sales.

Feel free to start injecting killer sales generating phrases to make a blockbuster sales presentation. Experience how adding certain phrases break down the barriers. In fact, the blueprint for success is to stop normal insurance selling and use insurance sales generating phrases like a ten-ton magnet. Start pulling customers in with a supercharged desire to buy from you.

Experienced insurance career people have the knack of adjusting sales messages. By keying in on lead-in phrases, a prospect keeps leaning closer and closer to the actual sale. All the while, the prospect is kept off guard by phrases and statements the average insurance sales person would not even consider. The skilled sales pro already knows how the prospect will react and respond. With this skill utilized, the insurance sales person is avoiding almost every objection from arising.

Start with frequently using and sharpening up effective word phrases and statements that captivate insurance buyers. As a result, closing more sales instantly becomes routine.

1. I was not going to mention this, but

2. My competition will be mad about this, but I am going to tell you this unique benefit

3. I am going to show you a basic plan and a deluxe one. When I am done, you decide which one suits you best. Does that sound fair?

4. How am I doing so far?

5. Not every ___ policy is created equal; this one exceeds what most of my customers expect

6. Maybe you can not afford it

7. As the best in the industry, you can own the finest ______ coverage. You do want the most complete coverage, don’t you?

8. With this plan you need to be knowledgeable to benefit

9. All the obstacles are eliminated

10. There is no substitute for _____.

11. Instant extra cash in your pocket is of course a benefit you will receive.

12. This is somewhat embarrassing, but I too thought ______ until

13. Some people just cannot understand

14. It seems you are the type of person who ____

15. Have you been a victim of ______ like so many of my customers have?

16. I am hoping that you fall into this category. Am I right?

17. This protection combines the most outstanding features.

18. Is it okay if I explain this simply and clearly, as I always want my customers to understand what they are receiving?

19. You will find more to like than ever before.

20. I will not pull punches, but I will be honest to expose both the benefits and limitations of your coverage. Is this the way you want me to proceed?

21. Is it all right, if I start by separating fact from fiction about ____ insurance?

22. This is the best deal in town and it still fits your budget.

23. Only __ out of __ people fit our requirements

24. The low cost alternative

25. Lock in your offer now, do you want to make quarterly payments or save on paying annually?

26. Every member of the family will be delighted

27. My professional expertise is in working with people on ____ insurance, and then letting them decide what is best. Does that sound okay to you?

28. This is not just another ______

29. A lifetime of satisfaction

30. Invest in yourself and your future

31. You will feel confident if you need to make a claim.

32. No compromising on quality

33. This is not a misprint

34. A completely new perspective

35. Most of my customers seem to prefer _____. Let me show you, and see if you agree, okay?

36. You will feel as good as you look

37. ____ is about to be turned upside down

Do want to rise up your present sales status to that of a true professional? Provoking expected reactions from your lead prospects ends with more sales presentations closed. Therefore, what you say must not resemble messages other salespeople use. Change prospects from being on the alert to being receptive and wanting to hear more. Testing and adapting some of the selling phrases listed above might be all that it takes for closing more sales.



Source by Donald Yerke

Max International Business Review

Max International, a network marketing company, was launched in Salt Lake City, Utah, in 2006. The founders of this company are Greg Fulton, Fred Ninow and Kevin Scott. The company has enlisted itself as a part of the health and fitness industry. It is known to make top-quality health and wellness nutritional products to cater to the needs of the people. The products are to be marketed well by the distributors of Max International Business. The company was launched with the aim to provide high standard products consisting of good quality ingredients.

The array of products

Max International offers a range of nutritional supplements and MAXGXL is regarded as its flagship product. It is a supplement that empowers the body with a good dose of glutathione, effectively controlling the body’s production of glutathione. By slowing down the rate of glutathione production in the body, the supplement acts as a cardiovascular support, providing more tenacity to the immune system. A person is infused with lots of energy. He becomes animated with his concentration increasing manifold.

Max N-Fuse, a nutritional supplement, containing a fine blend of herbs, vitamins and minerals, is a popular product. It activates our cells to carry out the cellular functions efficiently.

Another product which is popular among the potential consumers is the weight loss supplement, Max WLX. This supplement delivers celeptin, a hormone, which acts as the communicator in transferring the message directly to the brain to make a person know that he had his fill and cannot eat anymore.

The compensation plan

No other network marketing company can provide so much profit to the distributors other than Max International. You can start your business relationship with the company with $49 at one level or with $559 at the other level. The distributors receive a handsome twenty-five percent discount on retail. The distributors are also entitled to get different sorts of discounts for marketing and selling the products when they scale up different levels in the business.

Max International has a hybrid binary compensation plan. In this model, the downlines, or the new associates that you recruit for the business organization, need to work hard to have regular sales. The increase and decrease of the overall commissions of the distributors depend on the sales of their downline.

The procedure to make money and establish the company’s credibility

The best way that you can earn profit is by buying the products at wholesale prices and selling them at the retail price. As distributors you need to recruit people to the organization, build a long chain of downline. By using the products yourself you can expose the potentiality of Max International Business to the new associates and prospective recruits. The money-back guarantee in case of joining or buying products acts as a great stimulus for Max International Business to flourish.

The bonus

Max International Business rewards the most efficient person working to help the company grow, on a monthly basis via Global Bonus pool. The other perks offered by the company are on the bonuses on car, travel, health insurance, wholesale, retail and other areas.



Source by Tim Bonderud

Top 7 Reasons New Insurance Agents Fail to Reach Success

I would like to offer some insights as to why I believe such a high percentage of Insurance Agents fail in their first couple years in the insurance business.

There can be multiple reasons that contribute to a new insurance agents failure. Here are the most common reasons I have found that lead to failure.

  • Most Insurance Agents have a Limited product portfolio and are unable to cross sell other insurance products.
  • Agents don’t have a proven sales track or sales system to follow which most new insurance agents need to get results quickly.
  • They don’t create consistent cash flow from insurance sales quick enough and must leave the insurance business to go back to an hourly paying job just to survive.
  • New Insurance Agents start out in the insurance business with little or no reserves to fall back on. Most businesses require some upfront capital or reserves to get started.
  • A lot of agents do not get enough training (Product or Sales) to give them a fair chance of making it in the insurance business.
  • Insurance Agents are not taught effective prospecting and marketing techniques that generate a consistent flow of sales prospects.
  • Some people simply don’t have the drive, work habits, persistence, self motivation or ability to handle rejection that it’s takes to survive in an insurance sales career.

From my experience of hiring and training insurance agents over the past 23 years, I have found the following items need to be present in order to maximize a new agent’s chances for success long term in the insurance industry.

  • A quality multi-product portfolio to offer multiple insurance solutions when different needs are uncovered during the initial fact finding process with a potential client.
  • A proven sales track and presentation that can be taught and implemented very quickly. One that gets sales results but also generates a generous flow of new prospects and referrals.
  • An advance commission system that provides weekly cash flow so the new agent can focus on their training and sales, not their bills that are due.
  • Tools that make learning and growing in the insurance business fun and automatic. (I.e. Archived Training Videos, Health and Life Quote Engines, Live Product and Sales Training Webinars, etc.)
  • Quality contracts that provide immediate 100% vesting rights and commission growth opportunities to General Agent commission levels.

At National Marketing Group we have learned over the years the essential pieces that new agents need to not only survive but thrive in the insurance industry. Our mission statement says it all. “First, to offer the Independent Insurance Agent a support system that provides a platform for success in Insurance Sales. Second, to build long term relationships through a foundation of trust and commitment.”

We sincerely believe the 80%-90% failure rate of new insurance sales agents entering the insurance industry can be significantly reduced when the right agent support system is in place. We encourage you and invite you to join us in this very exciting and rewarding career opportunity. Hope to hear from you soon!



Source by Daniel Hagy