LIFE STAGE SPOTLIGHT
You bought your first home and want protection beyond the mortgage lender’s minimum requirements
What is homeowners insurance ?
“I’ll think about it later.” The best follow-up is to agree on a time to review coverage needs.
What is schedule the next review?
You combine auto and home under one carrier to unlock potential savings
What is bundling?
A customer claims they were injured in your storefront and demands medical costs.
What is commercial general liability (CGL)?
On a Monopoly board, which Utility space is paired with Water Works?
What is Electric Company?
A new parent wants coverage that helps replace income if the breadwinner can’t work
What is disability income insurance?
“We already have something.” The next move is to compare existing coverage limits to real risks.
What is check coverage limits and gaps?
Installing approved safety/security equipment can help reduce loss risk.
What is home security/safety discounts?
A fire damages inventory and equipment, hurting the business’s ability to operate.
What is commercial property coverage?
What is the Autobahn?
A retiree wants protection from large out-of-pocket healthcare costs and long-term care needs
What is long-term care insurance
“I don’t understand how claims work.” Offer to explain the process and required documentation.
What is walk through the claim process?
Taking steps that prevent injuries in the workplace can help reduce certain business costs and losses
What is workplace safety measures (safety program discounts, where available)?
Allstate is a stock company, whereas State Farm is a ___ company.
What is mutual company (a mutual insurance company)?
“Like a good ___, State Farm is there.”
What is neighbor?
Someone recently switched jobs and realized their employer life coverage may not follow them.
What is portable life insurance needs (or individual life insurance)?
“I’m worried it won’t cover what I need.” The solution is to review exclusions and confirm covered causes of loss.
What is review exclusions and covered perils? What is urgency and follow-up strategy?
In many states, maintaining strong insurance-related credit can help lower what you pay for coverage.
What is a good credit-based insurance score?
This policy pays medical expenses and partial wage replacement for employees injured or made ill by work, and most U.S. states require employers to carry it.
What is Worker's Compensation?
In the “three little pigs” story, which pig likely wanted the strongest weather-resistant shelter?
What is the third pig with the brick house?
A person wants affordable coverage that helps pay for final expenses like funeral and burial.
What is final expense insurance?
“It’s too complicated.” Simplify by focusing on top 1–2 risks and matching coverage to those.
What is prioritize the biggest risks and recommend accordingly?
Upgrading to a roof rated to better resist hail and wind impact can help protect the home and may qualify for certain discounts.
What is an impact-resistant roof?
The term for a measurable number representing how many leads turn into customers (sales conversions) is what?
What is conversion rate?
Geckos are green. Jake wears khakis. Flo wears a smock. This insurance mascot is missing its flock.
What is the LiMu Emu?