2014 Menu of Agency Support Services 17 TOP OF MIND TOUCH POINTS

Size: px
Start display at page:

Download "2014 Menu of Agency Support Services 17 TOP OF MIND TOUCH POINTS"

Transcription

1 2014 Meu of Agecy Support Services 17 TOP OF MIND TOUCH POINTS

2 Table of Cotets Turig a moolie customer ito a multi-lie customer icreases retetio by 7x! ORGANIC GROWTH Policy Reewal Appoitmet Calls.4 Life Isurace Appoitmet Calls.5 Log Term Care Appoitmet Calls 5 Vehicle Loa Cross-Sell..5 Home / No Auto Cross-sell.6 Auto / No Home Cross-sell..6 NEW BUSINESS Busiess Isurace Prospectig..7 Commercial Auto Prospectig.8 Persoal Auto Prospectig..8 Homeower Prospectig 8 ADMIN SPECIAL Paymet Remider Calls 9 Evet Remider Calls 9 Copyright 2014 Egagex Corp. Corporate Headquarters: 585 East 1860 South Provo, Utah GOOD VIBES Welcome Calls to New Customers..10 Thak You Calls..10 Happy Birthday Calls..10 WIN-BACK BUNDLE Auto Defector Wi-back 11 Homeower Defector Wi-back..12 Chart of Services..14 Phoe: Toll free: Compay web site: All services, terms, quatities ad pricig i this publicatio are accurate at the time of publicatio, ad are subject to chage. All outboud calls made by Egagex will display the local area code of the aget s office ad the agecy ame or primary carrier. Scripts for each type of call ca be foud at

3 The quality of your life is determied by the quality of your relatioships. TONY ROBBINS The same ca be said about your busiess. Profitable busiess relatioships are built with frequet, quality touch poits. Agets have bee taught that frequet, quality touches with their customers (ad prospective customers) are key to agecy success, but agets ofte fid it difficult to regularly reach out i a productive way. We ca help. Our 2014 Meu of Services describes 17 differet Top-of-Mid Touch Poits that will help your agecy acquire ew customers, retai more busiess, ad icrease average premium via cross-sell ad upsell opportuities. We ll do the dirty work ad sed you the opportuities we ucover for you while savig you time ad moey, compared to doig it yourself or assigig the work to office staff. The atio s largest isurace compaies have trusted us with their Customer Touch Poits for several years. We hope to ear your trust, too. 3

4 DESTINY SET 410 APPOINTMENTS LAST MONTH FOR AGENTS Orgaic Growth Huge growth ca come from meetig with ibook customers to discuss chages ad eeds. Each service offerig i this sectio is desiged to help you orgaically grow (ad retai) your ibook busiess. POLICY RENEWAL APPOINTMENT CALLS Cotact your customers before their curret Auto ad/or Homeower policies expire ad ivite them i for a policy double-check. For optimal results, have us begi callig about 30 days before the reewal date. Customers will also be ivited to brig i ay additioal policies they have (whether you wrote them or ot), so you ca look for gaps ad overlaps, similar to a Policy Review Meetig. Select 100, 150 or 200 ames to be cotacted for $310, $ or $600. We will make up to three cotact attempts per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. 4

5 LIFE INSURANCE APPOINTMENT CALLS Sometimes you just wat to talk life isurace with customers. Our Callers will ivite your existig customers to take advatage of your competitive rates, ad set a i-office appoitmet with you or someoe i your office who ca have a deeper discussio with them about life isurace. Select 100, 150 or 200 ames to be cotacted each moth for $310, $ or $600. We will make up to three cotact attempts per ame. List submissio istructios will be provided upo sigup. 90 day miimum subscriptio. LONG TERM CARE APPOINTMENT CALLS Oe of the fastest-growig areas of eed today, LTC appoitmets provide you with a excellet opportuity to discuss beefits ad optios of Log Term Care isurace, face-to-face, i your office. Customers will also be ivited to brig i ay additioal policies they have, so you ca look for gaps ad overlaps, similar to a IFR meetig. Customers are more likely to stick with you whe they receive calls offerig to review/reew policies, sayig Thak You or Happy Birthday. Select 100, 150 or 200 ames to be cotacted for $310, $ or $600. We will make up to three cotact attempts per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. VEHICLE LOAN CROSS-SELL CALLS Help your customers save moey o their auto loas. Our Callers will ivite your ibook customers to take advatage of your competitive auto loa rates, ad offer to warm-trasfer them to you ad/or someoe i your office who ca have a deeper discussio with them about auto fiacig. Select 100, 150 or 200 ames to be cotacted for $310, $ or $600. We will make up to three cotact attempts per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. Whe customers have at least 7 differet policies with you, data shows they are yours for life! 5

6 HOME / NO AUTO CROSS-SELL CALLS Just the act of ivitig a customer to meet with you for policy review/ reewal icreases retetio whether they come i or ot! Egagex regularly makes calls i Eglish ad Spaish. If you eed a additioal laguage, just ask! May of our Callers have served religious/service missios overseas ad we have a deep pool of laguage skills available. 6 Our callers will make these high-propesity calls otifyig existig customers that they may be eligible for additioal discouts whe addig a auto isurace policy through through your agecy. We will offer to warm-trasfer them to you ad/ or someoe i your office who ca have a deeper discussio with them about auto isurace. Select 100, 150 or 200 ames to be cotacted for $310, $ or $600. We will make up to three cotact attempts per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. AUTO / NO HOME CROSS-SELL CALLS Our callers will make these high-propesity calls otifyig existig customers that they may be eligible for additioal discouts whe addig a home isurace policy through through your agecy. We will offer to warm-trasfer them to you ad/or someoe i your office who ca have a deeper discussio with them about home isurace. Select 100, 150 or 200 ames to be cotacted for $310, $ or $600. We will make up to three cotact attempts per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. Olie

7 New Busiess Imagie the growth you ca achieve via a steady supply of ew sales opportuities. Egagex will call o the leads that you receive ad/or that you purchase from Lead Providers (Egagex does ot provide or sell leads). You ca sed us multiple batches of leads throughout the moth (large or small) for immediate cotactig. ALBERTO SET 425 APPOINTMENTS LAST MONTH FOR AGENTS BUSINESS INSURANCE PROSPECTING Icrease your commercial book of busiess! Our Callers will set exclusive, faceto-face appoitmets with busiess owers ad/or decisio makers who eed a quote for reewig geeral liability ad worker s compesatio isurace. You provide 100, 150 or 200 ames to be cotacted each moth for $310, $ or $600. We will make up to three cotact attempts per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. 90- day miimum subsctriptio. 7

8 COMMERCIAL AUTO PROSPECTING Icrease your commercial book of busiess! Our Callers will set exclusive, faceto-face appoitmets with busiess owers ad/or decisio makers who eed a quote for reewig their fleet isurace. You provide 100, 150 or 200 ames to be cotacted each moth for $310, $ or $600. We will make up to three cotact attempts per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. 90- day miimum subsctriptio. PERSONAL AUTO PROSPECTING Wat ew auto isurace customers without makig cold calls yourself? Our Callers will telephoe prospect for you, ivitig local auto owers to receive a free auto isurace quote from your office. We will warm-trasfer iterested cotacts to you or someoe i your office who ca have a deeper discussio with them about auto isurace. Egagex is headquartered i beautiful Provo, Utah, at the base of the Silico Slopes. Provo was recetly raked #1 for Commuity Optimism, #2 for Busiess/Careers ad #4 i Health & Well-beig. You provide 100, 150 or 200 ames to be cotacted each moth for $310, $ or $600. We will make up to three cotact attempts per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. 90- day miimum subsctriptio. HOMEOWNER PROSPECTING Wat ew home isurace customers without makig cold calls yourself? Our Callers will telephoe prospect for you, ivitig local home owers to receive a free home isurace quote from your office. We will warm-trasfer iterested cotacts to you or someoe i your office who ca have a deeper discussio with them about home isurace. You provide 100, 150 or 200 ames to be cotacted each moth for $310, $ or $600. We will make up to three cotact attempts per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. 90- day miimum subsctriptio. 8

9 Admiistrator s Special Reduce your ogoig admiistrative burde by assigig time-cosumig or upleasat calls to Egagex. PAYMENT REMINDER CALLS Esurig timely collectio of premiums due ca be time cosumig ad upleasat. Our Callers will place a brief, courteous call to customers to remid them they have a paymet due soo. RACHEL SET 397 APPOINTMENTS LAST MONTH FOR AGENTS Select 100, 150 or 200 ames to be cotacted each moth for $110, $ or $200. We will make oe cotact attempt per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. 90 day miimum subscriptio. EVENT REMINDER CALLS Are you hostig a Ope House or other evet for your customers? Our Callers will place a brief, courteous call to customers to ivite them to your evet. Select 100, 150 or 200 ames to be cotacted for $110, $ or $200. We will make oe cotact attempt per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. 9

10 Good Vibes The occasioal friedly ad o-sales call ca go a log way toward keepig ad growig a customer s busiess. Sedig out good vibes will come back to you i a positive way. WELCOME CALLS TO NEW CUSTOMERS A persoal Thak You call to a ew customer ca go a log way toward keepig ad growig a customer s busiess. Our Callers will place a brief, courteous thak you call to your customers. Select 50, 100 or 150 ames to be cotacted each moth for $55, $105 or $150. We will make oe cotact attempt per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. 90 day miimum subscriptio. THANK YOU CALLS Egagex s Callers are ofte draw from the 65,000 studets who atted the two uiversities i our valley: Utah Valley Uiversity ad Brigham Youg Uiversity. They are bright, articulate ad ambitious. Just sayig thaks ca go a log way to keepig ad growig a customer. Our Callers will place a brief, courteous call o your behalf thakig your customers for their busiess ad lettig them kow you are available to aswer ay questios that may come up i the future. Select 500, 1000 or 1500 ibook ames to be cotacted for $550, $1050 or $1500. We will make oe cotact attempt per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. HAPPY BIRTHDAY CALLS Oe of our favorite calls to make, customers geerally respod very well whe we place a brief call o your behalf to wish them a Happy Birthday ad thak them for their busiess. Select 100, 150 or 200 ames to be cotacted each moth for $110, $ or $200. We will make oe cotact attempt per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. 90 day miimum subscriptio. 10

11 Wi-Back Package Do t let recet defectors get away! Egagex will cotact your recetly defected isurace customers ad let you kow whe there is a opportuity to wi someoe back. LA-SHANA SET 358 APPOINTMENTS LAST MONTH FOR AGENTS AUTO DEFECTOR WIN-BACK Do t let recet auto isurace defectors get away! Our Callers will cotact your recetly defected auto isurace customers ad ask for permissio to prepare a ew auto isurace quote, ad the trasfer iterested cotacts to you or someoe i your office who ca gather the ecessary iformatio to prepare a ew quote. You provide 100, 150 or 200 ames to be cotacted for $310, $ or $600. We will make up to three cotact attempts per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. 11

12 ASHTYN SET 401 APPOINTMENTS LAST MONTH FOR AGENTS HOMEOWNER DEFECTOR WIN-BACK Do t let recet home isurace defectors get away! Our Callers will cotact your recetly defected home isurace customers ad ask for permissio to prepare a ew home isurace quote, ad the trasfer iterested cotacts to you or someoe i your office who ca gather the ecessary iformatio to prepare a ew quote. You provide 100, 150 or 200 ames to be cotacted for $310, $ or $600. We will make up to three cotact attempts per ame, ad will leave a voice message if ecessary. List submissio istructios will be provided upo sigup. 12

13 CHART OF SERVICES: INBOOK WORK TO CALL TYPE Policy Reewal Appoitmets 100 $ $ $ 600 Subscriptio Life Isurace Appoitmets 100 $ $ $ 600 Subscriptio Log Term Care Appoitmets 100 $ $ $ 600 Project Vehicle Loa Cross- sell 100 $ $ $ 600 Project Home/No Auto Cross- sell 100 $ $ $ 600 Project Auto / No Home Cross- sell 100 $ $ $ 600 Project OUT- OF- BOOK TO PROSPECTING WORK CALL TYPE Busiess Isurace Prospectig 100 $ $ $ 600 Subscriptio Commercial Auto Prospectig 100 $ $ $ 600 Subscriptio Persoal Auto Prospectig 100 $ $ $ 600 Subscriptio Homeower Prospectig 100 $ $ $ 600 Subscriptio TO INBOOK WORK TYPE CALL Paymet Remiders $ $ $ 200 Subscriptio Evet Remiders $ $ $ 200 Project INBOOK WORK TO CALL TYPE Welcome to New Customer 1 50 $ $ $ 150 Subscriptio Happy Birthday $ $ $ 200 Subscriptio Thak You to Customers $ $ 1, $ 1,500 Project INBOOK WORK TO CALL TYPE Auto Defector Wi- back 100 $ $ $ 600 Project Homeower Defector Wi- back 100 $ $ $ 600 Project * " " represets the max. umber of ames to dial. Default is up to three dials per ame. 1 oe dial per ame 2014 Meu of Offerigs Orgaic Growth Budle New Busiess Budle Admi Special Good Vibes Budle Wi- Back Budle 13

14 To lear more or to eroll i ay of our Agecy Support Services, call

2014 Menu of Agency Support Services 10 TOP OF MIND TOUCH POINTS

2014 Menu of Agency Support Services 10 TOP OF MIND TOUCH POINTS 2014 Meu of Agecy Support Services 10 TOP OF MIND TOUCH POINTS Table of Cotets Turig a moolie customer ito a multi-lie customer icreases retetio by 7x! ORGANIC GROWTH Policy Reewal Appoitmet Calls.4 Life

More information

Handling. Collection Calls

Handling. Collection Calls Hadlig the Collectio Calls We do everythig we ca to stop collectio calls; however, i the early part of our represetatio, you ca expect some of these calls to cotiue. We uderstad that the first few moths

More information

Grow your business with savings and debt management solutions

Grow your business with savings and debt management solutions Grow your busiess with savigs ad debt maagemet solutios A few great reasos to provide bak ad trust products to your cliets You have the expertise to help your cliets get the best rates ad most competitive

More information

National Institute on Aging. What Is A Nursing Home?

National Institute on Aging. What Is A Nursing Home? Natioal Istitute o Agig AgePage Nursig Homes: Makig The Right Choice Lucille has lived i her home for 33 years. Eve after her husbad died 3 years ago, she was able to maage o her ow. Recetly, she broke

More information

Professional Networking

Professional Networking Professioal Networkig 1. Lear from people who ve bee where you are. Oe of your best resources for etworkig is alumi from your school. They ve take the classes you have take, they have bee o the job market

More information

How to use what you OWN to reduce what you OWE

How to use what you OWN to reduce what you OWE How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.

More information

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place. PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.

More information

How to set up your GMC Online account

How to set up your GMC Online account How to set up your GMC Olie accout Mai title Itroductio GMC Olie is a secure part of our website that allows you to maage your registratio with us. Over 100,000 doctors already use GMC Olie. We wat every

More information

For customers Key features of the Guaranteed Pension Annuity

For customers Key features of the Guaranteed Pension Annuity For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether

More information

Learning objectives. Duc K. Nguyen - Corporate Finance 21/10/2014

Learning objectives. Duc K. Nguyen - Corporate Finance 21/10/2014 1 Lecture 3 Time Value of Moey ad Project Valuatio The timelie Three rules of time travels NPV of a stream of cash flows Perpetuities, auities ad other special cases Learig objectives 2 Uderstad the time-value

More information

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

Settling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not

Settling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not Settlig Isurace Claims After a Disaster What you eed to kow about how to file a claim how the claim process works what s covered ad what s ot First Steps Cotact your aget or compay immediately. Fid out

More information

summary of cover CONTRACT WORKS INSURANCE

summary of cover CONTRACT WORKS INSURANCE 1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.

More information

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New editio Jauary 2009 Are you worried about your mortgage? Get advice ow If you are strugglig to pay your mortgage, or you thik it will be difficult to pay more whe your fixed-rate deal eds, act ow to

More information

Deceased organ donation

Deceased organ donation Deceased orga doatio Let's talk about it Table of Cotets Itroductio Why orga doatio is so importat Facig the facts Kidey trasplats are highly successful What exactly is deceased doatio? What orgas ca be

More information

Current Year Income Assessment Form

Current Year Income Assessment Form Curret Year Icome Assessmet Form Academic Year 2015/16 Persoal details Perso 1 Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address

More information

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized?

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized? 5.4 Amortizatio Questio 1: How do you fid the preset value of a auity? Questio 2: How is a loa amortized? Questio 3: How do you make a amortizatio table? Oe of the most commo fiacial istrumets a perso

More information

Your 1st Step to Finding Resources for Older Adults

Your 1st Step to Finding Resources for Older Adults Your 1st Step to Fidig Resources for Older Adults Are you iterested i home delivered meals? Do you eed a ride to a doctor s appoitmet? Are you takig care of yourself while takig care of a agig fried or

More information

Savings and Retirement Benefits

Savings and Retirement Benefits 60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you

More information

FLEXIBLE GUARANTEE BOND SERIES 2

FLEXIBLE GUARANTEE BOND SERIES 2 FLEXIBLE GUARANTEE BOND SERIES 2 Key features of the Flexible Guaratee Bod Series 2 The Fiacial Coduct Authority is a fiacial services regulator. It requires us, LV=, to give you this importat iformatio

More information

A Resource for Free-standing Mathematics Qualifications Working with %

A Resource for Free-standing Mathematics Qualifications Working with % Ca you aswer these questios? A savigs accout gives % iterest per aum.. If 000 is ivested i this accout, how much will be i the accout at the ed of years? A ew car costs 16 000 ad its value falls by 1%

More information

A GUIDE TO BUILDING SMART BUSINESS CREDIT

A GUIDE TO BUILDING SMART BUSINESS CREDIT A GUIDE TO BUILDING SMART BUSINESS CREDIT Establishig busiess credit ca be the key to growig your compay DID YOU KNOW? Busiess Credit ca help grow your busiess Soud paymet practices are key to a solid

More information

Tenants handbook Booklet 4. Paying your rent. June 2015

Tenants handbook Booklet 4. Paying your rent. June 2015 Teats hadbook Booklet 4 Payig your ret Jue 2015 Your Ret ad other charges Payig your ret ad other charges is a coditio of your teacy. If you do ot pay, you will have broke your teacy agreemet with us.

More information

Computershare Investment Plan. Best Buy Co., Inc. Common Stock

Computershare Investment Plan. Best Buy Co., Inc. Common Stock Computershare Ivestmet Pla A Direct Stock Purchase ad Divided Reivestmet Pla for Best Buy Co., Ic. Commo Stock Best Buy Co., Ic. is listed o the New York Stock Exchage (Tradig Symbol BBY, CUSIP 086516101)

More information

Pre-Suit Collection Strategies

Pre-Suit Collection Strategies Pre-Suit Collectio Strategies Writte by Charles PT Phoeix How to Decide Whether to Pursue Collectio Calculatig the Value of Collectio As with ay busiess litigatio, all factors associated with the process

More information

Impact your future. Make plans with good advice from ACT. Get Set for College 1. THINK 2. CONSIDER 3. COMPARE 4. APPLY 5. PLAN 6.

Impact your future. Make plans with good advice from ACT. Get Set for College 1. THINK 2. CONSIDER 3. COMPARE 4. APPLY 5. PLAN 6. Impact your future Get Set for College 1. THINK 2. CONSIDER 3. COMPARE 4. APPLY 5. PLAN 6. DECIDE Make plas with good advice from ACT. 1. Thik Thik about yourself ad your college eeds Do you start thigs

More information

Tell us if you need help because of a disability Ask for a free interpreter

Tell us if you need help because of a disability Ask for a free interpreter Your rights uder Califoria Welfare Programs for people applyig for or receivig public aid i Califoria Tell us if you eed help because of a disability Ask for a free iterpreter 2 Your rights all people

More information

auction a guide to buying at Residential

auction a guide to buying at Residential Residetial a guide to buyig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells approximately 1 billio of property at auctio i the UK Holds at least seve residetial

More information

e-trader user guide Introduction

e-trader user guide Introduction User guide e-trader user guide Itroductio At UK Geeral our aim is to provide you with the best possible propositio for you ad your customers. We believe i offerig brokers a choice of how they trade with

More information

Best of security and convenience

Best of security and convenience Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate

More information

Privacy Guide for Small Businesses: The Basics

Privacy Guide for Small Businesses: The Basics Office of the Privacy Commissioer of Caada PIPEDA Privacy Guide for Small Busiesses: The Basics Privacy is the best policy Hadlig privacy cocers correctly ca help improve your orgaizatio s reputatio. Whe

More information

IT Support. 020 8269 6878 n www.premierchoiceinternet.com n support@premierchoiceinternet.com. 30 Day FREE Trial. IT Support from 8p/user

IT Support. 020 8269 6878 n www.premierchoiceinternet.com n support@premierchoiceinternet.com. 30 Day FREE Trial. IT Support from 8p/user IT Support IT Support Premier Choice Iteret has bee providig reliable, proactive & affordable IT Support solutios to compaies based i Lodo ad the South East of Eglad sice 2002. Our goal is to provide our

More information

Flexible Spending Account

Flexible Spending Account Health Care Flexible Spedig Accout 800522 d 08/10 what is a health care flexible spedig accout? A health care flexible spedig accout is a easy, coveiet way to get more out of your paycheck. It allows you

More information

Shareholder Information Brochure

Shareholder Information Brochure The Ivestor Service ad Automatic Divided Reivestmet Program for Shareholders of Johso & Johso Shareholder Iformatio Brochure The Program is sposored ad admiistered by Computershare Trust Compay, N.A.,

More information

SOLUTIONS FOR SUCCESSFUL EVENTS

SOLUTIONS FOR SUCCESSFUL EVENTS Video Projectio [ THERE S MORE TO KNOW THAN YOU THINK ] More tha ever before, we live i a visual world. A picture is worth a thousad words sums it up well. Every day, a multitude of images siletly scream

More information

Information about Bankruptcy

Information about Bankruptcy Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet

More information

CHAPTER 3 THE TIME VALUE OF MONEY

CHAPTER 3 THE TIME VALUE OF MONEY CHAPTER 3 THE TIME VALUE OF MONEY OVERVIEW A dollar i the had today is worth more tha a dollar to be received i the future because, if you had it ow, you could ivest that dollar ad ear iterest. Of all

More information

Flood Emergency Response Plan

Flood Emergency Response Plan Flood Emergecy Respose Pla This reprit is made available for iformatioal purposes oly i support of the isurace relatioship betwee FM Global ad its cliets. This iformatio does ot chage or supplemet policy

More information

Consider these sobering statistics

Consider these sobering statistics Idetity Theft is a form of fraud or Idetity theft cotiues to icrease every year ad has impacted millios of Americas. cheatig of aother perso s idetity i which someoe preteds to be someoe else by assumig

More information

Tips for Working With the. Media TO PROMOTE EYE HEALTH PROGRAMS AND EVENTS

Tips for Working With the. Media TO PROMOTE EYE HEALTH PROGRAMS AND EVENTS Tips for Workig With the Media TO PROMOTE EYE HEALTH PROGRAMS AND EVENTS Media Guide Tips for Workig With the Media To Promote Eye Health Programs ad Evets The media have a eormous ifluece o our society

More information

Health and dental coverage that begins when your group health benefits end

Health and dental coverage that begins when your group health benefits end Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are

More information

What You Need To Know About Your HECM Counseling Session

What You Need To Know About Your HECM Counseling Session What You Need To Kow About Your HECM Couselig Sessio 1. Why do I eed couselig? The US Departmet of Housig ad Urba Developmet (HUD) requires a certified couselig sessio for a federally-isured reverse mortgage,

More information

Phone: 905-791-1015 E-mail: transhelp@peelregion.ca Website: peelregion.ca/transhelp

Phone: 905-791-1015 E-mail: transhelp@peelregion.ca Website: peelregion.ca/transhelp V E R S I O N 3. 1 Welcome to the Regio of Peel s TrasHelp service. This service is iteded for residets of Peel with disabilities, who are uable to ride accessible covetioal trasit. If you are ot curretly

More information

Two people, one policy. Affordable long-term care coverage for both.

Two people, one policy. Affordable long-term care coverage for both. Log-term care rider, available o Natiowide YourLife No-Lapse Guaratee SUL II Feature guide LIFE INSURANCE + LONG-ERM CARE wo people, oe policy. Affordable log-term care coverage for both. NAIONWIDE LIFE

More information

Setting Up a Contract Action Network

Setting Up a Contract Action Network CONTRACT ACTION NETWORK Settig Up a Cotract Actio Network This is a guide for local uio reps who wat to set up a iteral actio etwork i their worksites. This etwork cosists of: The local uio represetative,

More information

PFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B

PFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B PFF2 2015/16 Assessmet of Fiacial Circumstaces For parets ad parters of studets SFE/PFF2/1516/B /SF_Eglad /SFEglad Who should complete this form? Complete this form if you are: The studet s atural or adoptive

More information

MainStay Funds IRA/SEP/Roth IRA Distribution Form

MainStay Funds IRA/SEP/Roth IRA Distribution Form MaiStay Fuds IRA/SEP/Roth IRA Distributio Form Do ot use for IRA Trasfers or SIMPLE IRA INSTRUCTIONS Before completig this form, please refer to the applicable Custodial Agreemet ad Disclosure Statemet

More information

Wells Fargo Insurance Services Claim Consulting Capabilities

Wells Fargo Insurance Services Claim Consulting Capabilities Wells Fargo Isurace Services Claim Cosultig Capabilities Claim Cosultig Claims are a uwelcome part of America busiess. I a recet survey coducted by Fulbright & Jaworski L.L.P., large U.S. compaies face

More information

Ken blanchard college of business

Ken blanchard college of business Ke blachard College of BUSINESS a history of excellece Established i 1949, Grad Cayo Uiversity has more tha a 60-year track record of helpig studets achieve their academic goals. The Ke Blachard College

More information

Arithmetic Sequences and Partial Sums. Arithmetic Sequences. Definition of Arithmetic Sequence. Example 1. 7, 11, 15, 19,..., 4n 3,...

Arithmetic Sequences and Partial Sums. Arithmetic Sequences. Definition of Arithmetic Sequence. Example 1. 7, 11, 15, 19,..., 4n 3,... 3330_090.qxd 1/5/05 11:9 AM Page 653 Sectio 9. Arithmetic Sequeces ad Partial Sums 653 9. Arithmetic Sequeces ad Partial Sums What you should lear Recogize,write, ad fid the th terms of arithmetic sequeces.

More information

Cartrefi Hafod Lettings Agency

Cartrefi Hafod Lettings Agency Cartrefi Hafod Lettigs Agecy The ame you ca trust LANDLORD BOOKLET Cartrefi Hafod Lettigs Agecy Cartrefi Hafod Lettigs Agecy offer help to iexperieced ladlords to maage their homes. Hafod Housig Associatio

More information

auction a guide to buying at Commercial

auction a guide to buying at Commercial Commercial a guide to buyig at auctio Allsop is the market leader from commercial ad residetial auctios i the UK Aually sells aroud 700 millio of property at auctio Holds six commercial ad seve residetial

More information

Time Value of Money. First some technical stuff. HP10B II users

Time Value of Money. First some technical stuff. HP10B II users Time Value of Moey Basis for the course Power of compoud iterest $3,600 each year ito a 401(k) pla yields $2,390,000 i 40 years First some techical stuff You will use your fiacial calculator i every sigle

More information

Lesson Plan 2. Sharing Personal Information

Lesson Plan 2. Sharing Personal Information Lesso Pla 2 Sharig Persoal Iformatio CLB Level(s): 1-2 CLB Skill(s): Speakig, Listeig, Writig Essetial Skill(s): Documet Use, Oral Commuicatio Objective(s) To be able to uderstad ad complete a variety

More information

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address:

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address: Fiacial Services Guide Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparatio: 21/11/2005 Head Office Address: Fiacial Wisdom Limited (ABN 70 006 646 108) Australia Fiacial Services Licece No. 231138

More information

Making training work for your business

Making training work for your business Makig traiig work for your busiess Itegratig core skills of laguage, literacy ad umeracy ito geeral workplace traiig makes sese. The iformatio i this pamphlet will help you pla for ad build a successful

More information

Question 2: How is a loan amortized?

Question 2: How is a loan amortized? Questio 2: How is a loa amortized? Decreasig auities may be used i auto or home loas. I these types of loas, some amout of moey is borrowed. Fixed paymets are made to pay off the loa as well as ay accrued

More information

College of Nursing and Health care Professions

College of Nursing and Health care Professions College of Nursig ad Health care Professios a history of excellece Grad Cayo Uiversity s College of Nursig ad Health Care Professios has bee providig a outstadig health care educatio for over 25 years.

More information

Conservative treatment:

Conservative treatment: Coservative treatmet: Choosig ot to start dialysis T H E K I D N E Y F O U N D A T I O N O F C A N A D A 1 Coservative treatmet: Choosig ot to start dialysis You have the right to make your ow choices

More information

BUSINESS GROWTH PLAN EVENT 2016

BUSINESS GROWTH PLAN EVENT 2016 BUSINESS GROWTH PLAN EVENT 2016 The Busiess Growth Pla ivolves the idea geeratio ad strategy developmet eeded to grow a existig busiess. Participats i the Busiess Growth Pla will aalyze their curret busiess

More information

Preserving Your Financial Legacy with Life Insurance Premium Financing.

Preserving Your Financial Legacy with Life Insurance Premium Financing. Preservig Your Fiacial Legacy with Life Isurace Premium Fiacig. Prepared by: Keeth M. Fujita, Natioal Director, The Private Bak Specialty Fiace Group Life Isurace Premium Fiace. James Mosrie, Seior Wealth

More information

For customers Income protection the facts

For customers Income protection the facts For customers Icome protectio the facts We ve desiged this documet to give you more iformatio about our icome protectio beefits. It does t form part of ay cotract betwee you ad/or us. This iformatio refers

More information

SOAR. TO NEW HEIGHTS! Sponsor the 2015 Customer Connections Conference October 18 21 n Austin, Tex.

SOAR. TO NEW HEIGHTS! Sponsor the 2015 Customer Connections Conference October 18 21 n Austin, Tex. SOAR TO NEW HEIGHTS! Sposor the 2015 Customer Coectios Coferece October 18 21 Austi, Tex. About APPA ad the Customer Coectios Coferece Get exclusive access to decisio-makers ad decisio-ifluecers The America

More information

Present Value Factor To bring one dollar in the future back to present, one uses the Present Value Factor (PVF): Concept 9: Present Value

Present Value Factor To bring one dollar in the future back to present, one uses the Present Value Factor (PVF): Concept 9: Present Value Cocept 9: Preset Value Is the value of a dollar received today the same as received a year from today? A dollar today is worth more tha a dollar tomorrow because of iflatio, opportuity cost, ad risk Brigig

More information

Anti-Money Laundering

Anti-Money Laundering Ati-Moey Lauderig Over the last year, moey-lauderig crimes siphoed a estimated $1.3 trillio out of the global ecoomy.* I light of this staggerig statistic, the resultig striget legislatio is uderstadable.

More information

Financial Service Guide (FSG)

Financial Service Guide (FSG) Fiacial Service Guide (FSG) Effective date: 06 August 2015 icorporatig member product guide Savigs Term Deposits Paymet Services Isurace Home Loas Credit Facilities Police Bak Ltd ABN 95 087 650 799. AFSL/Australia

More information

FM4 CREDIT AND BORROWING

FM4 CREDIT AND BORROWING FM4 CREDIT AND BORROWING Whe you purchase big ticket items such as cars, boats, televisios ad the like, retailers ad fiacial istitutios have various terms ad coditios that are implemeted for the cosumer

More information

About our services and costs

About our services and costs About our services ad costs Cotets Whose products do we offer 2 Ivestmet 2 Isurace 2 Mortgages 2 Which services will we provide you with? 3 Ivestmet 3 Isurace 3 Mortgages 3 What will you have to pay us

More information

HSAs the American Fidelity Way:

HSAs the American Fidelity Way: Health Ser vices Admiistratio, LLC HSAs the America Fidelity Way: Kowledge, Experiece, Commitmet With over 30 years experiece i providig pre-tax services, America Fidelity is a pioeer i Sectio 125 flexible

More information

Disability Income Insurance

Disability Income Insurance Disability Icome Isurace Admiistered by The Parters Group ad Member Compay Kerr Cruickshak Member Compay: Negotiated Limited Time Offer INDIVIDUAL DISABILITY COVERAGE PROGRAM HIGHLIGHTS: Discouted, Specialty,

More information

84 www.newcastle.edu.au CRICOS Provider Code: 00109J I UoNI 2011/0025 HOW TO APPLY

84 www.newcastle.edu.au CRICOS Provider Code: 00109J I UoNI 2011/0025 HOW TO APPLY 84 www.ewcastle.edu.au CRICOS Provider Code: 00109J I UoNI 2011/0025 HOW TO APPLY Applicatio procedure Prospective iteratioal studets iterested i applyig for admissio to a Uiversity of Newcastle degree

More information

Comparing Credit Card Finance Charges

Comparing Credit Card Finance Charges Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how

More information

I. Why is there a time value to money (TVM)?

I. Why is there a time value to money (TVM)? Itroductio to the Time Value of Moey Lecture Outlie I. Why is there the cocept of time value? II. Sigle cash flows over multiple periods III. Groups of cash flows IV. Warigs o doig time value calculatios

More information

Direct Online Mortgage application

Direct Online Mortgage application Virgi Moey plc Direct Olie Mortgage applicatio Welcome to Virgi Moey plc. Thak you for choosig a mortgage with us. I this applicatio form, refereces to we, us ad our are refereces to Virgi Moey plc ad

More information

auction a guide to selling at Residential

auction a guide to selling at Residential Residetial a guide to sellig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells up to 700 millio of property at auctio Holds at least seve residetial ad six

More information

Information for Programs Seeking Initial Accreditation

Information for Programs Seeking Initial Accreditation Iformatio for Programs Seekig Iitial Accreditatio Aswers to Frequetly- Asked-Questios (from www.abet.org/ew-to-accreditatio/) Assurig Quality l Stimulatig Iovatio This documet iteds to aswer may of the

More information

Amendments to employer debt Regulations

Amendments to employer debt Regulations March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios

More information

INVEST IN UPTIME VOLVO PENTA SERVICE AGREEMENT SAFER AND EASIER OWNERSHIP

INVEST IN UPTIME VOLVO PENTA SERVICE AGREEMENT SAFER AND EASIER OWNERSHIP INVEST IN UPTIME VOLVO PENTA SERVICE AGREEMENT SAFER AND EASIER OWNERSHIP FOUR LEVELS OF SERVICE A BUSINESS RELATIONSHIP WITH YOUR VOLVO PENTA DEALER You have just ivested i a Volvo Peta equipped product,

More information

CREATIVE MARKETING PROJECT 2016

CREATIVE MARKETING PROJECT 2016 CREATIVE MARKETING PROJECT 2016 The Creative Marketig Project is a chapter project that develops i chapter members a aalytical ad creative approach to the marketig process, actively egages chapter members

More information

Desktop Management. Desktop Management Tools

Desktop Management. Desktop Management Tools Desktop Maagemet 9 Desktop Maagemet Tools Mac OS X icludes three desktop maagemet tools that you might fid helpful to work more efficietly ad productively: u Stacks puts expadable folders i the Dock. Clickig

More information

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust?

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust? Flexible Trust (Settl as trustee with optioal survivship clause) Your questios aswered Uderstadig trusts ad their implicatios ca be pretty complicated. You should always get advice from your legal adviser

More information

Retiree Life Solutions

Retiree Life Solutions A Leader i Employee Beefits Solutios Retiree Life Solutios Prudetial Group Isurace The Prudetial Isurace Compay of America 0237531 Results-Drive Solutios From a Name You Kow ad Trust Sice 1875, the Prudetial

More information

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auities with Death Beefits from Pacific Life 9/15 20188-15C FOR CALIFORNIA As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three

More information

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auity Death Beefits from Pacific Life 7/15 20172-15B As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three death beefits that

More information

Basic Current Account

Basic Current Account Curret Accouts Basic Curret Accout Applicatio form Please fill i the form usig BLOCK CAPITALS ad black ik. Tick ay boxes which apply. Satader is able to provide literature i alterative formats. The formats

More information

ADMISSION AND REGISTRATION

ADMISSION AND REGISTRATION 15 Admissio ad Registratio 2 C H A P T E R ADMISSION AND REGISTRATION ADMISSION INFORMATION Admissio to Ohloe College is ope to ayoe who is a high school graduate, has a high school equivalecy certificate

More information

Art & Private Client insurance policy SUMMARY OF COVER

Art & Private Client insurance policy SUMMARY OF COVER Art & Private Cliet isurace policy SUMMARY OF COVER 2 SUMMARY OF COVER DIOCESAN SCHOOLS LEGAL EXPENSES INSURANCE ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 3 Policy ref: ME773 1 07/16 What

More information

Season s Greetings. President s Message

Season s Greetings. President s Message News SOLELY FOR BENEFIT December 2012 BOARD OF DIRECTORS PRESIDENT Tret White Pharmacists Associatio of Newfoudlad ad Labrador (PANL) SECRETARY/TREASURER Price Edward Islad Pharmacists Associatio (PEI)

More information

Revised Special Terms & Conditions

Revised Special Terms & Conditions Call: 0191 505 0033* Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) Email us: customerservice@highyieldaccout.co.uk** Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS,

More information

Life & Disability Insurance. For COSE Employer Groups with 10+ Employees

Life & Disability Insurance. For COSE Employer Groups with 10+ Employees Life & Disability Isurace For COSE Employer Groups with 10+ Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted

More information

How To Find FINANCING For Your Business

How To Find FINANCING For Your Business How To Fid FINANCING For Your Busiess Oe of the most difficult tasks faced by the maagemet team of small busiesses today is fidig adequate fiacig for curret operatios i order to support ew ad ogoig cotracts.

More information

INTERNET AND SOCIAL MEDIA

INTERNET AND SOCIAL MEDIA Educatio Services INTERNET AND SOCIAL MEDIA Additioal Guidelies for Schools August 2014 Cotets Itroductio 1 Purpose of this Guide 1 Referece Documets 1 Defiitios 2 Approved Olie Iteret Services 3 Social

More information

.04. This means $1000 is multiplied by 1.02 five times, once for each of the remaining sixmonth

.04. This means $1000 is multiplied by 1.02 five times, once for each of the remaining sixmonth Questio 1: What is a ordiary auity? Let s look at a ordiary auity that is certai ad simple. By this, we mea a auity over a fixed term whose paymet period matches the iterest coversio period. Additioally,

More information

MESSAGE TO TEACHERS: NOTE TO EDUCATORS:

MESSAGE TO TEACHERS: NOTE TO EDUCATORS: MESSAGE TO TEACHERS: NOTE TO EDUCATORS: Attached herewith, please fid suggested lesso plas for term 1 of MATHEMATICS Grade 12. Please ote that these lesso plas are to be used oly as a guide ad teachers

More information

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated.

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated. Itroducig Your New Wells Fargo Trust ad Ivestmet Statemet. Your Accout Iformatio Simply Stated. We are pleased to itroduce your ew easy-to-read statemet. It provides a overview of your accout ad a complete

More information

BUY TO LET MORTGAGE APPLICATION FORM

BUY TO LET MORTGAGE APPLICATION FORM BUY TO LET MORTGAGE APPLICATION FORM STAGE 2 OF 2 Please submit Stage 2 form to upgrade to full applicatio oce customer has read ad accepted the Mortgage Illustratio. Please complete this page if form

More information

Neolane Leads. Neolane v6.1

Neolane Leads. Neolane v6.1 Neolae Leads Neolae v6.1 This documet, ad the software it describes, are provided subject to a Licese Agreemet ad may ot be used or copied outside of the provisios of the Licese Agreemet. No part of this

More information

Determining the sample size

Determining the sample size Determiig the sample size Oe of the most commo questios ay statisticia gets asked is How large a sample size do I eed? Researchers are ofte surprised to fid out that the aswer depeds o a umber of factors

More information

The Forgotten Middle. research readiness results. Executive Summary

The Forgotten Middle. research readiness results. Executive Summary The Forgotte Middle Esurig that All Studets Are o Target for College ad Career Readiess before High School Executive Summary Today, college readiess also meas career readiess. While ot every high school

More information