Do it now!
This phrase is the great self-starter, the reminder you need whenever you feel procrastination is creeping up on you. (And, if procrastination is moving fast enough to find you, you're already at a standstill.)
There are always things that need doing. If you are in the grip of laziness, turn to the first thing you see and set to work. It doesn't matter what it is; what's important is that you break the habit of doing nothing. On the other hand, if you're avoiding a specific chore, then that's the one you need to start acting on right away. Otherwise, that job will continue to grow in your mind as something that is too unpleasant to do. If you make "Do it now!" a habit, you will have mastered the essence of personal initiative.
This phrase is the great self-starter, the reminder you need whenever you feel procrastination is creeping up on you. (And, if procrastination is moving fast enough to find you, you're already at a standstill.)
There are always things that need doing. If you are in the grip of laziness, turn to the first thing you see and set to work. It doesn't matter what it is; what's important is that you break the habit of doing nothing. On the other hand, if you're avoiding a specific chore, then that's the one you need to start acting on right away. Otherwise, that job will continue to grow in your mind as something that is too unpleasant to do. If you make "Do it now!" a habit, you will have mastered the essence of personal initiative.
Employee Training |
Employee Training |
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Try telling your boss about the things you like, and see how willingly he or she will help you get rid of the things you don’t like.
In recent years, great strides have been made in overcoming the traditional adversarial relationship between workers and bosses. At last we’re learning that when we focus on better serving our clients and customers, everybody wins. When you begin to focus on what’s good in your company instead of what you don’t like, you will be amazed how quickly you will have more responsibility, and soon you will be teaching your employees how to do your old job. |
Questions Every Insurance Agency Should Ask Every Client
English Version |
Versión en Español |
Three Personal Auto Questions Every Agent Must Know How to Answer
Life Insurance
Have you recently gotten married?
After getting married, it is important to review your life insurance needs. If one spouse is not working, he or she might be dependent on the working spouse’s income; if so, reviewing life and disability insurance coverage is prudent.
The spouse who is not working outside the home should also consider having a separate life insurance policy because, in the event of premature death, the services he or she provides for the household would need to be replaced, and that could prove costly to the surviving spouse.
Moreover, even if both spouses are working, couples often make financial commitments based on both incomes so the loss of one spouse’s income due to death or disability could be financially devastating without adequate insurance.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Have you recently gotten married?
After getting married, it is important to review your life insurance needs. If one spouse is not working, he or she might be dependent on the working spouse’s income; if so, reviewing life and disability insurance coverage is prudent.
The spouse who is not working outside the home should also consider having a separate life insurance policy because, in the event of premature death, the services he or she provides for the household would need to be replaced, and that could prove costly to the surviving spouse.
Moreover, even if both spouses are working, couples often make financial commitments based on both incomes so the loss of one spouse’s income due to death or disability could be financially devastating without adequate insurance.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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Auto & Home Insurance
Have you gotten married recently?
If you have gotten married, you may qualify for a discount on your auto insurance. Couples may bring two cars into the relationship and two different auto insurance companies, so take the opportunity to review your existing coverage and see which company offers the best combination of price and service.
If you are merging two households, you may need to update your homeowners’ insurance. And you may want to consider increasing your insurance for any new valuables received, such as wedding gifts, and for jewelry, such as wedding and engagement rings.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Have you gotten married recently?
If you have gotten married, you may qualify for a discount on your auto insurance. Couples may bring two cars into the relationship and two different auto insurance companies, so take the opportunity to review your existing coverage and see which company offers the best combination of price and service.
If you are merging two households, you may need to update your homeowners’ insurance. And you may want to consider increasing your insurance for any new valuables received, such as wedding gifts, and for jewelry, such as wedding and engagement rings.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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Auto & Home Insurance
Have you gotten divorced?
If you got divorced over the past year, you will probably no longer be sharing a car with your former spouse and have likely moved to a different residence. If this is the case, you should inform your insurer as you will need to set up separate auto and homeowners’ policies.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Have you gotten divorced?
If you got divorced over the past year, you will probably no longer be sharing a car with your former spouse and have likely moved to a different residence. If this is the case, you should inform your insurer as you will need to set up separate auto and homeowners’ policies.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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Life Insurance
Have you recently added a child to the family?
If you have recently added a child to your family, whether by birth or adoption, it is important to review your life insurance and disability income protection.
If you are planning for your life insurance to match your survivors’ expenses after your death, the new child will no doubt add to those expenses, requiring more life insurance to keep your family secure.
If you plan to save for your child’s college education, life insurance can assure completion of that plan.
And if you keep your current life insurance policy, do not forget to update the beneficiary designations to include the new child.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Have you recently added a child to the family?
If you have recently added a child to your family, whether by birth or adoption, it is important to review your life insurance and disability income protection.
If you are planning for your life insurance to match your survivors’ expenses after your death, the new child will no doubt add to those expenses, requiring more life insurance to keep your family secure.
If you plan to save for your child’s college education, life insurance can assure completion of that plan.
And if you keep your current life insurance policy, do not forget to update the beneficiary designations to include the new child.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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Auto Insurance
Did your teenager get a driver’s license?
It is generally cheaper to add your teenagers to your auto insurance policy than for them to purchase their own. If they are going to be driving their own car, consider insuring it with your company so you can get a multi-car discount. And choose the car carefully — the type of car a young person drives can dramatically affect the price of insurance. You and your teens should choose a car that is easy to drive and would offer protection in the event of a crash.
Also, encourage your kids to get good grades and to take a driver training course. Most companies will give discounts for getting at least a “B” average in school and for taking recognized driving courses.
If your teenagers move at least ten0 miles from home — for example, to go to college — you might get a discount for the time they are not around to drive the car (assuming they leave the car at home).
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Did your teenager get a driver’s license?
It is generally cheaper to add your teenagers to your auto insurance policy than for them to purchase their own. If they are going to be driving their own car, consider insuring it with your company so you can get a multi-car discount. And choose the car carefully — the type of car a young person drives can dramatically affect the price of insurance. You and your teens should choose a car that is easy to drive and would offer protection in the event of a crash.
Also, encourage your kids to get good grades and to take a driver training course. Most companies will give discounts for getting at least a “B” average in school and for taking recognized driving courses.
If your teenagers move at least ten0 miles from home — for example, to go to college — you might get a discount for the time they are not around to drive the car (assuming they leave the car at home).
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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Life & Disability Insurance
Have you switched jobs or experienced a significant change in your income?
If you had life and disability insurance through your former employer, and your new employer does not provide equivalent protection, you can replace the “lost” coverage with individual policies.
In the case of an income increase, you may have taken on additional financial commitments that your survivors will depend on. Make sure to review your life and disability insurance to ensure it is adequate to maintain those commitments.
If your income decreased, you may want to cut your life insurance premiums. Term life insurance is a good option, as the premium rates are very reasonable. And if you already have two or more policies you might be able to replace both with a single policy at a lower rate because you may reach a “milestone” amount of insurance.
For example, at many life insurance companies, $500,000 of insurance costs less than $450,000 because of the milestone discount.
But do not drop existing life insurance until after you have a new policy in place.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Have you switched jobs or experienced a significant change in your income?
If you had life and disability insurance through your former employer, and your new employer does not provide equivalent protection, you can replace the “lost” coverage with individual policies.
In the case of an income increase, you may have taken on additional financial commitments that your survivors will depend on. Make sure to review your life and disability insurance to ensure it is adequate to maintain those commitments.
If your income decreased, you may want to cut your life insurance premiums. Term life insurance is a good option, as the premium rates are very reasonable. And if you already have two or more policies you might be able to replace both with a single policy at a lower rate because you may reach a “milestone” amount of insurance.
For example, at many life insurance companies, $500,000 of insurance costs less than $450,000 because of the milestone discount.
But do not drop existing life insurance until after you have a new policy in place.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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Home Insurance
Have you done extensive renovations on your home?
If you have made major improvements to your home, such as adding a new room, enclosing a porch, or expanding a kitchen, or bathroom, you risk being underinsured if you do not report the changes to your insurance company. An increase in the value of the structure of the home may require an increase to your homeowners’ insurance coverage limits.
And do not overlook new structures outside of your home. If you built a gazebo, a new shed for your tools or installed a pool or hot tub, you should speak to your insurance professional.
If, as part of a renovation, you purchase furniture, exercise equipment or electronics, you may need to increase the amount of insurance you have on your personal possessions. Keep receipts and add any new items to your home inventory. Our agency recommends that you download a free home inventory tool app to create a personal home inventory.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Have you done extensive renovations on your home?
If you have made major improvements to your home, such as adding a new room, enclosing a porch, or expanding a kitchen, or bathroom, you risk being underinsured if you do not report the changes to your insurance company. An increase in the value of the structure of the home may require an increase to your homeowners’ insurance coverage limits.
And do not overlook new structures outside of your home. If you built a gazebo, a new shed for your tools or installed a pool or hot tub, you should speak to your insurance professional.
If, as part of a renovation, you purchase furniture, exercise equipment or electronics, you may need to increase the amount of insurance you have on your personal possessions. Keep receipts and add any new items to your home inventory. Our agency recommends that you download a free home inventory tool app to create a personal home inventory.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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Second Home
Have you decided to buy a second home?
If you are searching for a vacation home or a second home you might retire to, make sure you research the availability and cost of homeowners’ insurance before you commit to the purchase.
The very factors that make a vacation home seem ideal, whether it is a waterfront property or a mountain retreat, can often introduce risks that make it costly and difficult to insure, such as proximity to the coast and the likelihood that it will be vacant for long periods of time.
In the event you have already bought a vacation home, do not skimp on the insurance. The risk of theft or disaster is just as significant, if not more so, in a second home as in your primary residence.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Have you decided to buy a second home?
If you are searching for a vacation home or a second home you might retire to, make sure you research the availability and cost of homeowners’ insurance before you commit to the purchase.
The very factors that make a vacation home seem ideal, whether it is a waterfront property or a mountain retreat, can often introduce risks that make it costly and difficult to insure, such as proximity to the coast and the likelihood that it will be vacant for long periods of time.
In the event you have already bought a vacation home, do not skimp on the insurance. The risk of theft or disaster is just as significant, if not more so, in a second home as in your primary residence.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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Flood Insurance
Do you need flood insurance?
If your new property is close to the water, be sure to ask about flood insurance. Damage to your home or belongings resulting from flood is not covered under standard homeowners’ insurance policies. Flood insurance is available from the National Flood Insurance Program (NFIP), as well as some private insurers, and is generally sold through private agents and brokers.
You can ask your insurance professional whether your home is at risk for flood, or enter your address on the NFIP website to find out whether your home is in a flood zone. If you have a very valuable home, some homeowners’ insurers offer excess flood coverage over and above that provided by the NFIP policies.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Do you need flood insurance?
If your new property is close to the water, be sure to ask about flood insurance. Damage to your home or belongings resulting from flood is not covered under standard homeowners’ insurance policies. Flood insurance is available from the National Flood Insurance Program (NFIP), as well as some private insurers, and is generally sold through private agents and brokers.
You can ask your insurance professional whether your home is at risk for flood, or enter your address on the NFIP website to find out whether your home is in a flood zone. If you have a very valuable home, some homeowners’ insurers offer excess flood coverage over and above that provided by the NFIP policies.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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Scheduled Personal Property Insurance
Have you acquired any new valuables such as jewelry, electronic equipment, fine art, antiques?
A standard homeowners’ policy offers only limited coverage for highly valuable items. If you have made purchases or received gifts that exceed these limits, you should consider supplementing your policy with a floater or endorsement, a separate policy that provides additional insurance for your valuables and covers them for perils not included in your policy, such as accidental loss.
Before purchasing a floater, the items covered must be professionally appraised. Keep receipts and add the new items to your home inventory.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Have you acquired any new valuables such as jewelry, electronic equipment, fine art, antiques?
A standard homeowners’ policy offers only limited coverage for highly valuable items. If you have made purchases or received gifts that exceed these limits, you should consider supplementing your policy with a floater or endorsement, a separate policy that provides additional insurance for your valuables and covers them for perils not included in your policy, such as accidental loss.
Before purchasing a floater, the items covered must be professionally appraised. Keep receipts and add the new items to your home inventory.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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Auto Insurance
Have you joined a carpool?
If you are a frequent carpool driver, whether it is going to work, or ferrying kids to school and other activities, your liability insurance should reflect the increased risk of additional passengers in the automobile. Check to make sure your coverage is adequate.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Have you joined a carpool?
If you are a frequent carpool driver, whether it is going to work, or ferrying kids to school and other activities, your liability insurance should reflect the increased risk of additional passengers in the automobile. Check to make sure your coverage is adequate.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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Auto Insurance
Have you retired?
If you commuted regularly to your job, in retirement your mileage has likely plummeted. If so, you should report it to your auto insurer as it could significantly lower the cost of your auto insurance premiums. Furthermore, drivers over the age of 50-55 may get a discount, depending on the insurance company.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Have you retired?
If you commuted regularly to your job, in retirement your mileage has likely plummeted. If so, you should report it to your auto insurer as it could significantly lower the cost of your auto insurance premiums. Furthermore, drivers over the age of 50-55 may get a discount, depending on the insurance company.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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Renter's Insurance
Have you signed a lease on a house or apartment?
If you are renting a home, your landlord is responsible for insuring the structure of the building, but not for insuring your possessions — that is up to you. If you want to be covered against losses from theft and catastrophes such as fire, lightning and windstorm damage, renters’ insurance is a good investment.
Like homeowners insurance, renters’ insurance includes liability, which covers your responsibility to other people injured at your home, or elsewhere, by you and pays legal defense costs if you are taken to court.
Regardless of whether you are a renter or an owner, you will have the following options when it comes to insuring your possessions:
Actual cash value pays to replace your home or possessions minus a deduction for depreciation.
Replacement cost pays the cost of rebuilding or repairing your home or replacing your possessions without a deduction for depreciation.
Think carefully about what your financial position would be in the aftermath of a disaster, and make sure you have the type of policy that is right for you.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Have you signed a lease on a house or apartment?
If you are renting a home, your landlord is responsible for insuring the structure of the building, but not for insuring your possessions — that is up to you. If you want to be covered against losses from theft and catastrophes such as fire, lightning and windstorm damage, renters’ insurance is a good investment.
Like homeowners insurance, renters’ insurance includes liability, which covers your responsibility to other people injured at your home, or elsewhere, by you and pays legal defense costs if you are taken to court.
Regardless of whether you are a renter or an owner, you will have the following options when it comes to insuring your possessions:
Actual cash value pays to replace your home or possessions minus a deduction for depreciation.
Replacement cost pays the cost of rebuilding or repairing your home or replacing your possessions without a deduction for depreciation.
Think carefully about what your financial position would be in the aftermath of a disaster, and make sure you have the type of policy that is right for you.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
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To order your CLUE report, contact LexisNexis, the company that compiles that and other consumer reports, at 866-312-8076, or visit the LexisNexis Personal Reports website.
Insurance Needs of Young Singles
http://www.insureuonline.org/quiz_youngsingles.htm Insurance Needs of Under 30 http://www.insureuonline.org/quiz_under30.htm Insurance Needs of Young Families http://www.insureuonline.org/quiz_youngfamilies.htm Insurance Needs of Established Families http://www.insureuonline.org/quiz_establishedfamily.htm Insurance Needs of Domestic Partners http://www.insureuonline.org/quiz_domesticpartners.htm Insurance Needs of Seniors http://www.insureuonline.org/quiz_seniors.htm Insurance Needs of Single Parents http://www.insureuonline.org/quiz_singleparents.htm Insurance Needs of Grandparents raising Grandchildren http://www.insureuonline.org/quiz_raisinggrandchildren.htm Bicycle Insurance Quiz https://www.youtube.com/watch?v=mTFhWezZ8MA Water Damage: Test Your Water IQ https://www.youtube.com/watch?v=41FFSi9Y4r4 Homeowners Insurance Quiz https://www.youtube.com/watch?v=vYcAVn8YlLE Auto Insurance Quiz https://www.youtube.com/watch?v=9CpoK0IqH18 Good intentions are useless until they are expressed in appropriate action.
Good intentions may be an appropriate starting point for achievement, but they will go nowhere unless you follow through with action. Many people confuse intentions with achievement; after all, it is the idea that is most important, they reason. In reality, the most mediocre idea acted upon is far more valuable than a flash of genius that resides only in your mind. Developing the habit of action may be difficult at first, but the more you practice it, the easier it becomes. Remember that the tone of your voice often conveys more accurately what is in your mind than do your words.
In a moment of conflict, a suggestion or compromise can salvage a threatened working relationship. A discouraged employee can be motivated again through a few carefully chosen words. In situations like these, a good manager is looking beyond an immediate situation and acting to preserve a future benefit. But if your voice betrays your own anger, fear, or despair, that emotion, not the wisdom you offer, will be what others remember. Those who rise to the top in any organization are those who have learned to control their emotions. When you have a leadership position, others will watch you closely for the signals you send. You must learn to manage yourself and all the ways in which you convey messages to others if you want to inspire them and demonstrate that you care about all the members of your team. 
Life is unpredictable. It pays to know your stuff.
Each year severe weather disasters across the country generate billions of dollars in damages. But research suggests more than half of consumers do not have an inventory of their possessions. Now is the time to make sure you have properly insured your 'stuff.' Creating a simple home inventory helps you track what you own and what it is worth, making important insurance decisions easier. How to create a home inventory. The NAIC's free myHOME Scr.APP.book downloadable app lets you quickly photograph and capture descriptions of your possessions room by room, then store your inventory electronically for safekeeping. The app is available for Android devices. Click here to watch the demonstration video. A home inventory can be invaluable when deciding how much insurance coverage fits your life situation and makes sure you are adequately protected should you need to file a claim. You might be surprised at how inadequately you are covering your possessions. Bring your inventory to our agency for a no-obligation review. 31 Benefits of Gratitude: The Ultimate Science-Backed Guide
5 Factors that determine a Credit-Based Insurance Score 5 keys to prospecting Commercial Lines effectively Improving a new producer's closing ratio begins with the selection of accounts to pursue. The idea is to look for accounts with the highest potential for closing. Here are some questions the producer should ask.…Read more Insurance Coverage en Español http://www.iii.org/es/insurance-topics/all-coverage-en-espanol 
Every Saturday I upload two short videos spotlighting a line of business on my YouTube channel.
One in English, the other in Spanish. None with watermarks or Agency specific details. Then I send the links to Members of GIA with instructions on how to post them on their Facebook pages along with a agency contact info with just a couple of clicks. You will be able to boost the videos to qualified prospects in your community. Where else can you send a targeted marketing message for half a penny each? This link shows you how to do it. Here is a free one on Auto Insurance: English: https://youtu.be/s78K5FxYHWY Spanish: https://youtu.be/vI7Izy_QRnM 5 Key PAP Eligibility Questions
1. What are the primary eligibility requirements for a Personal Auto Policy (PAP)? 2. Can a PAP be written if multiple individuals other than spouses jointly own a vehicle? 3. If a child owns a vehicle in his/her name, can or should their vehicle be listed on the parent's 4. What type of vehicles are eligible for coverage in a Personal Auto Policy? 5. Can vehicles other than private passenger autos be included in a PAP? Click for answers Where will you be ten years from now if you keep on going the way you are going?
Many people fail to realize that big success is the result of little successes achieved, often over a very long period of time. Truly successful people are long-term thinkers. They know that they must build upon each achievement and constantly learn new and better ways of doing things. A regular review of your progress is an essential part of goal-setting. A goal is little more than a wish unless it has a timetable for completion. Make sure your plan for your life includes short-, medium-, and long-term goals. Revise your goals as circumstances dictate, check them off when they are completed, and set new and bigger goals for yourself as you grow. And take time to reflect often to make sure you are on the right course — for you. Some individuals appear to be “allergic” to honest work, but opportunity is equally allergic to them.
In any business, profession, or occupation, there comes a time when you have to deliver. You may fake it for a time, pretending that you’re giving an honest effort, but eventually you will be measured by your deeds, not by your words. If you are more of a talker than a doer, make a vow today — right now — to change your behavior. You may be able to drift through life if you never do more than you are required to do, but you will never know what you might have achieved if you had only been willing to give a little more. The greatest opportunities always go to those who have an affinity for hard work, not an allergy to it. The world pins no medals on you because of what you know, but it may crown you with glory and riches for what you do.
Knowledge is an important component of success in any field. To accomplish anything worthwhile often requires years of study. But knowledge alone is not power; it becomes powerful only when it is applied through positive action. Study after study of successful people reveals that they have a bias for action. They gather the appropriate facts, relate them to their knowledge about the subject, develop an implementation plan, and then get into action. When in doubt, it’s far better to act too soon rather than too late. |
Under 30? Insurance matters to you, too. Really!
Everyone has insurance issues, even when you’re young and just starting out. Your parents and others mean well in giving you advice, but unless they’re in your same life stage, it’s hard for them to understand. Understanding insurance doesn’t have to be rocket science. With a little help, it can be easy to make smart choices. In fact, we have lots of ways to increase your insurance IQ. Start by taking our 10-question online quiz at https://insureuonline.org/quiz_under30.htm. Then consider the following fast facts. Some may blow your mind. NEW CAR
The mind serves best which is used most.
Do you have a continuous improvement program for your most valuable asset-your mind? Make sure that you spend at least a half hour each day studying, thinking, and planning. Review your long-, intermediate-, and short-term goals, and measure your progress to date. Are you on schedule for their completion? Ask yourself, “What information do I not have that would help me achieve my goals?” Then gather the information you need and get into action. There isn’t much one can do for the individual who will not try to do something for himself.
One of the keys to success is Personal Initiative. Most people — including those who will play a key role in the level of success you achieve in your life — will not give you their full assistance and support unless you first take the initiative. If you see something that needs to be done, just do it. Wendy’s founder, Dave Thomas, says, “A little initiative will improve your luck nine days out of ten.” The person who works harder when the boss isn’t around is headed straight for a better job.
It is a foregone conclusion that you will never reach great heights of success if you perform at high levels only when others are watching you. The most exacting standards of performance should be those you set for yourself, not those set by others for you. When your expectations for yourself are higher than your boss’s expectations for you, you will never have to worry about job security. If you work to your highest standards, the promotions will take care of themselves. Falsehood does evermore have a way of publishing itself.
It is virtually impossible to conceal the truth forever. It is the natural order of things that the truth will eventually come out. This single fact is the foundation of our judicial system and the basis on which all human relationships are formed. A business, professional, or personal relationship built upon a lie cannot long endure, but one that is founded on truth and equality of benefit for the participants is unlimited. Make it a practice to tell the truth in all that you do — even when it doesn’t matter — and you will form a habit of truthfulness. You will know instinctively that it is better to tell the truth and face the consequences than to launch a falsehood that will eventually make itself known to the world. Friendly cooperation is never any part of the Devil’s work. He is working on the other side.
The most noble human relationships are those that have been formed in a spirit of cooperation and harmony. Cooperation, in many ways, is the physical manifestation of your care and concern for your fellow man. When you work with others in a spirit of friendly cooperation, you are conducting yourself according to the founding principles of most religions and all successful societies. Everyone occasionally feels pangs of jealousy or envy, usually accompanied by the urge to cause problems or difficulty for those we dislike. Truly successful people have learned to restrain such urges. They know that if they concentrate upon their own objectives and help others along the way, they will eventually reach their goals. It isn’t easy to always be a friendly, cooperative person, but in the end you will find that it is worth the effort. |
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Attention: Georgia Agents! 24 hours CE for $24 or join GIA for $99 per year and it's free for all agency staff!
Have you enjoyed at least 24 hours of Edu-Tainment? If yes, you are welcome to take the Final Exam Otherwise, continue to Lesson #17: Insurance 101 |
