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A Memo to Insurance Producers
Get Ready to Produce More in 2009
by John Graham
Even though the economy is in serious trouble, nothing has changed. You still need to sell insurance. Whether it's life, health or property and casualty, one task remains: closing sales.
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2008 Dental Survey
Welcome to Part III of California Broker’s 2008 Dental Survey.
19. If covered, explain the process that allows the general dentist to refer to the specialist.
20. Are any of your specialists board eligible/certified?
21. How do you fund your specialty care? Get the answers....
2008 Term Survey—An Overview of the State's Term Insurance Market
1. What percentage of the cases you underwrote last year were issued at your top two preferred non-smoker classes?
2. What percentage of the cases you underwrote last year were issued at your top two standard nonsmoker classes? Get the answers....
2008 HSA Survey—HSAs role in
the California Marketplace 1. What are the primary services you offer as part of your HSA product? 2. Do you offer an HSA-qualifying high deductible health insurance plan? Get the answers.... 2008 HMO Survey—HMO Services
and Pratices Statewide. 1. Do you guarantee a time limit on getting referral/treatment routine, urgent, emergency? If not, how many days does it take? 2. Do you have any conditions/diagnoses/symptoms that are referred automatically? Get the answers... 2008 PPO Survey—PPOs in California answer direct questions about their plans. 1. Is an approval procedure required for getting a specialist referral or a diagnostic test or treatment in-network or out-of-network? 2. Are there any restrictions on getting second opinions from an in-network provider or an out-of-network provider? Get the answers.... |
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How HSAs Can Unshackle Clients from High Health Insurance Costs
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Also Inside:
Dental • Worksite Marketing
Warning About 412 & 419 Plans Sales & Marketing
PPOs • HSAs • Annuities
Health Care Under Obama
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It’s The Story
By Kate Kinkade, CLU, ChFC
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One of our news features this month tells readers of a shift in product mix in life insurance in 2009. This could be credited to the economy, or the change in mortality tables, or the change in reserve requirements.
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Would You Like to See Your Name & Company in Print?
Submit an Article Query to California Broker!
We are always interested in well-presented information on life, health and financial planning topics. Specifically, we're seeking professionals with expertise in the following areas: All Life and Health Insurance issues, Products, Annuities (TSAs, SPDAs, ETC.), TPAs, Individual Health, Continuing Education, Long-Term Care, Dental, Internet Issues. If you have a specific idea or if you would like us to consider a general topic, please e-mail a one-paragraph query to:
Leila Morris, Editor's California Broker/McGee Publishers
E-mail: editor@calbrokermag.com
Phone: 800-675-7593 ext. 12 |
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If you have any questions or would like to see any other surveys, please e-mail to Leila Morris or call her directly at: 800-675-7563.
Email: editor@calbrokermag.com
We are happy to hear back from you with any comments.
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