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Let's explore the notion that dental insurance stops dental disease. When I ask audiences around the country why they have cavities too often they answer Because I don't have dental insurance! Is that true? Does dental insurance stop dental disease? How much does dental insurance cost, how much do preventive dental appointments cost?
According to a press release from Delta Dental: According to a June, 2012 report by the Kaiser Family Foundation, in 2010, 22 percent of low-income adults had gone five years or more without visiting a dentist. Additionally, more than 44 million Americans live in federally-designated Dental Health Professional Shortage Areas, meaning it is difficult for many to access a dentist whether or not they have insurance.
The American Dental Association has a lot of information on direct reimbursement a different way of paying for your dental care.
Host: Shirley Gutkowski
Producer: Shirley Gutkowski
This show would be a lively discussion on 3 basic insurance principals.
1. How life insurance is the most important coverage.
2. How disability income insurance can keep you afloat.
3. Balancing two budgets, the need for Business overhead Expense.
Greg Palmer is a seasoned Benefit consultant to small business owners. Specializing in Key Man Insurance. Succession Planning and Business Insurance.
In 99% of real estate and insurance brokerages I have every worked over the last 15 years, these are the training areas agents needed to improve producer sales and success rates:
Understanding what a business is
Some important economic topics
The definition of capitalism
The difference between marketing and advertising
Prospecting friends, family and strangers
Measuring contacts to prospects to sales ratios
Building rapport with prospects
Interviewing prospects and trial closes
Working as a consultant, not a salesperson
Discussing experiences and concerns with prospects
Understanding how to let prospects close themselves
Brokerages which lacked these traiing topics typically see high turnover because most producers are transitioning from W2 employment and have never owned businesses until they passed state real estate and insurance exams.
High turnover leads to:
Producers never learning the industry
Producers bouncing from office to office
Slow brokerage practice growth
Increasing commissions to attract and retain producers
Real estate brokers and insurance managers interested in reducing high turnover should contact 321SetAppointments.com for information to boost producer productivity.
Today’s guest is Paul Carroll, CEO and Editor in Chief of Insurance Thought Leadership.
Paul is the co-author of The New Killer Apps: How Large Companies Can Out-Innovate Start-Ups and Billion Dollar Lessons: What You Can Learn From the Most Inexcusable Business Failures of the Last 25 Years and the author of Big Blues: The Unmaking of IBM, a major best-seller published in 1993. Paul spent 17 years at the Wall Street Journal as an editor and reporter. The paper nominated him twice for Pulitzer Prizes. In 1996, he founded Context, a thought-leadership magazine on the strategic importance of information technology that was a finalist for the National Magazine Award for General Excellence. He is a co-founder of the Devil’s Advocate Group consulting firm.
Ferguson, Missouri is out of control. I had a car insurance issue this week. Jon discusses his letter of delayed services for Obamacare. My former radio network deleted over 100 of my episodes for Political Gravityand Beaten Path. I invested every month in that network. Stolen intellectual property. PayPal is reimbursing me for some of it. He is plain spiteful. He will never own up to anything he does, and even justify his reasoning. He's burned more people than Saddam Hussein in the oil fields. There is no reason to do this. For someone who has a felonious burglary count, it seems like egg is on his face.
James Foley also had to die a brutal death by the hands of cruel people after being missing 2 years.
Plus more music from Flow.
In July of 2005, Mike facilitated a presentation to a group of agents on “Crisis Communication” at the Grand Hotel in Point Clear Alabama. There was little interest in the presentation and no enthusiasm. Most slept through the program. None could understand the “need for crisis communications in a local independent agency.” Four weeks later Hurricane Katrina changed our lives and our world.
This week's guest is Bob Swayze with Eustis Agency in New Orleans. Bob has been a producer since 1979 and works on a wide variety of large commercial accounts. In addition to production, he is one of the principals of Eustis Insurance & Benefits and is on the producer recruiting/development team. He is a Past President of RiskProNet. Listen to his story of facing the devistation that came as a result of Hurricane Katrina, and what he's learned since.
Today people are living longer and their retirement is depleted and leaves many without the means to sustain their life style. Most will have to return to work just to survive. Well, there is a way that you can receive tax free retirement that will last just as long as you need it. Along with the fact that folks are living longer these days there is an increasing need for long term care. Traditionally, folks had to purchase an expensive LTC policy in order to fulfill these needs but no more. There is a added benefit to newer life policies that covers that as an endorsement with their policy. 70% of all people between the ages of 65 and 74 will end up in some kind of nursing facility or care, and 85% of seniors end up filing bankruptcy because of high cost of nursing homes and medical bills, and we have the solution. Join Ernest Smith and Renate Brevard as they reveal the solution today on A-American Legacy.
Tune in at 3:00pm at http://ow.ly/AxvDs
Call in and listen at 646-595-3900
Don't forget to like us!!!
Subscribe on iTunes
Seth Freudberg is the Director of the SMB Options Training Program and is a wizard when it comes to the stock market. His favorite part of the market is trading options and he was on to share the power and impact that options trading makes and how you can use it to grow your own wealth in a limited-risk manner.
Seth Freudberg is the Director of the SMB Options Training Program. He has mentored over 100 options traders and presented options strategies to hundreds of options traders throughout the world over his options trading career.
Seth graduated from the University of Pennsylvania in 1981 with a B.S. in Economics from the Wharton School of Business. He then entered the property and casualty insurance business and in 1987 became the CEO of United National Group, a national specialty insurance carrier in Pennsylvania and later ran a specialty insurer in Bermuda. In early 2006, he left the insurance business to pursue his longtime passion for trading. He has been a full time options trader from 2006-present.
Seth will be blogging about what he believes distinguishes successful options traders from those who are struggling. He will also be presenting options strategies that he is currently employing or contemplating. His goal is to help options traders become more consistent and tackle the common challenges that present themselves to anyone serious about succeeding in options trading.
Tonight, we will be discussing How to pray.
I know that you are probbaly giving me that look right now. How to pray?
Are you kidding me? I have been praying for years. Well, no matter if you have been praying for years, or are just starting out life as a Christian, we all need to learn the proper way to pray. There are certain things that we miss, and others that we just plain get wrong.
Needs Met is a Christian Non-profit 501c3 Ministry that looks for needs in our community and meets those needs through others that want to help meet those needs. Needs can be most anyting like;
services like BabySitting, Resumes, handman services etc...
God is our source for the meeting of needs, but God uses you and me to do His work.
If you have a need, please let us know and watch as God meets that need.
If you have the ability and desire to meet a need, God wants you! God can use you to meet the needs of others. But you have to let someone know that you are able and willing to meet needs. Offer up yor ability, resource, or talent that you have and watch as God uses it to help those in need.
Is there are reality to the issue of "Death Panels" within healthcare packages given to those with Disabilities and Senior? In my mind and after person experience in dealing with health care providers I can see that there is a very complex hidden system that allows for the lack of treatment of those that are being determined and useless to todays society on the basis of "Income type of health issues and now who is paying the bills on this one.
The very people who are being discriminated against in healthcare. In fact these care measures are acting in violation on the ADA laws which prohibited discrimination towards the treatment of those with Disabilities and what's more interesting is that the very people who are being "murdered slowly" within plan care lack of treatment and the people who worked all of their lives jobs who took away there 401k's rights to the very real finance within social security which was used to fund military projects. These politicans and using us as they did in ancient Rome during the time of NERO to fund future projects that they have no budget for in order to coverup the robbery of social security from years pass.
Many senior have no clue of the issue of medical care and just follow the trend, whereby if they reach an age of what maybe concluded as "Time to Die" they are placed in a non care line-up within medical care health providerships operated from within insurance companies and by those who are in adminstrative levels of hospitals and medical care facilities.
What can be done, well it is another election time and unless you are ok with dying when it's not your time and or your planned not to be removed from this planet you need to make you voice heard and tell those people involved you are seeing that they do something or; you will not help them get re-elected into office, nor will you provide a dollar of support to their campaign.
What is the latest when it comes to Obamacare? How are people being treated who have insurance under Obamacare? What is happening with those on Medicare? Join Dr. Taffy as she discusses what is happening with Obamacare, people's perspective and even Medicare.
FBI Director Robert Mueller has said it best, when it comes to cyber-attacks “There are only two types of companies in the US; those that have been hacked and those that will be hacked.” The victims of cyber- crime come in all shapes and sizes, not just the big companies like Target. The US National Cyber Security Alliance found that 60% of small companies shut down within six months of a cyber-crime attack. There are ways to limit the severity of cyber-attacks that partners, attorneys and employees of law firms must know. Listen to this podcast and learn what you can do to protect your firm from cyber breaches.
About Charles Bernier
Charlie Bernier, Esquire, is principal professional liability consultant and in-house counsel at ECBM Insurance Brokers and Consultants. Bernier began his law career practicing insurance defense at one of the oldest law firms in the country. He then worked at one of the largest professional liability wholesalers in the country and in 2013 joined ECBM.
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