Agency operations · · 9 min
Cross-selling with needs calculators: rounding out P&C accounts with life, disability and umbrella
Round out P&C accounts with life, disability and umbrella conversations by letting clients run their own numbers first. Triggers, sequences, checklist.
Lines of business · · 9 min
Life insurance needs analysis methods compared: DIME, human life value and income multiples
Three ways to size life insurance need, compared for agents: what each method assumes, where it misleads, and which calculator fits which buyer.