gma october 2015

GREEN MOUNTAIN AGENT

A PUBLICATION OF VERMONT INSURANCE AGENTS ASSOCIATION

October 2015

7th

Are you trying to reach Vermontrsquos Independent agentrsquos

Do you have a great ad that represents your company and have nowhere to place it

Are you looking to hire

Place your ad in VIAArsquos monthly publication and have the opportunity to advertise and market to Vermontrsquos Independent Agents

Questions on how to place an ad

Contact Mary Eversole at meversoleviaaorg for placement options and advertising rates

Green Mountain Agent is a publication of

PO Box 1387 Montpelier VT 05601 Phone 802-229-5884 Fax 802-223-0868 wwwviaaorgVIAA OfficersPresident Daniel LussierVice President Peter RichardsSecretaryTreasurer Erin OdellIIABA amp PIA State National Director Ron BixbyImmediate Past President Michael T Walsh CPCU

DirectorsChip AmsAlan KinneyPaul Plunkett

Staff Executive Director Mary Eversole meversoleviaaorg

GMA Publication DesignThorin Markison thorinmarkisoncom

In This Issue

October 2015

4 Message from the PresidentFeatures

6 VIAA Elects New Officers9 Help Wanted11 YAC Make-A-Wish Walk16 VIAA Annual Convention Scrapbook23 Sales Success How to Hold Your

Salespeople AccountableNews

29 Co-Operative Insurance30 In Memoriam Garret B Crowley Jr

4

Return on Investment

First let me start by thanking everyone who attended our 109th Annual Convention and Golf Tournament Irsquod like to extend special thanks to our sponsors and partners for their support Irsquod be remiss if I did not congratulate the Young Agents Committee on a job well done with Casino Night I canrsquot wait to see what they do next yearItrsquos that time of the year again for the InsurPac Phone-A-Thon The national goal is to hit $1 million before the end of the year and they are very close to reaching it You can help Our InsurPac Chair Paul Kendall will be making calls this week This is a wise investment In 1998 the VIAA Board of Directors took on a capital campaign to purchase our current headquarters It took a few years but they did it The association has been fortunate to have this asset It has served us well for the many years As you know wersquove leased the first floor of the building to a great tenant and will do the same starting next month for the second floor What does this mean for VIAA It means we are moving our operations but keeping the building as we begin to realize a greater return on investment Our vision is to establish an education center in Chittenden County with offices for our sole staff member This move will help us curtail the costs of hosting classes externally while giving us the ability to expand classes in other areas of the state We hope to be settled in our new offices by November 1 and will keep you posted on our progress

Dan Lussier VIAA President

Message from the President

Please visit our web site at wwwinsurbanccom or contact one of our leasing professionals at 8009570858

But donrsquot take it from us Listen to your peersAgents Express Leasing is an effective solution to manage your clients needs with todayrsquos best equipment technology Jay Byrnes of Byrnes Agency experienced how

easy our leasing solution is for his agency

ldquoAs a longtime member of the ldquoBig Irdquo I always knew of InsurBanc and their commitment to the independent insurance agent Recently we wanted to update the agency with a new computer network and desktops so I turned to InsurBanc for leasing options

From start to finish I experienced firsthand how seamless it was to conduct business with them We have a 35 person agency so to update everyonersquos computers was a decent size upgrade InsurBanc made the process very easy and offered attractive terms and competitive rates which helped to manage the agencyrsquos cash flowrdquo ndash Jay Byrnes ~ Byrnes Agency

How it worksbull Lease terms are 24 36 48 or 60 months with a minimum transaction of $5000bull You are looking for 100 equipment financing including certain soft costs such as software

shipping installation and maintenancebull No down payments or advance payments are requiredbull Monthly payments can be customized to meet your special business needs

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We invite you to see for yourself Contact us today for help preserving your cash flow with an equipment lease solution

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These materials are for informational purposes only The availability of any financing described herein is subject to approval of applicantrsquos credit the equipment supplier and the equipment Soft costs are limited to 20 of the total amount financed Nothing herein constitutes tax advice and customers are advised to consult with their own tax advisors prior to electing specific rates or options

Agentsrsquo Express leasing is a program of De Lage Landen Financial Services Inc a third party not affiliated with InsurBanc a Division of Connecticut Community Bank NA

Leasing A Seamless Customer Experience

Member FDIC

6

VIAA Elects New Officers

St Johnsburyrsquos Dan Lussier as President Brattlebororsquos Pete Richards as Vice President Bradfordrsquos Erin Odell as SecretaryTreasurer South Herorsquos Alan Kinney Joins Board as Officer

MONTPELIER Vt Oct 13 2015 ndash Dan Lussier managing director of NFP PampC Inc in St Johnsbury was recently elected president of the Vermont Insurance Agents Association (VIAA) Lussierrsquos election as VIAArsquos president follows an active involvement with the association that includes serving as vice president as a member of the Executive

Committee VIAA board member and co-chair of the Trusted Choice Vermont Junior Golf Qualifying Tournament Other officers include Peter Richards of The Richards Group in Brattleboro as vice president Erin Odell of Odell Insurance in Bradford as secretarytreasurer and Ron Bixby of Ludlow Insurance in Ludlow as national director The following agents also serve on the VIAA board of directors Chip Ams of Finn amp Stone in Manchester Paul Plunkett of Hickok and Boardman in Burlington and Alan Kinney of Kinney Insurance in South Hero

Dan Lussier President Pete Richards Vice President Erin Odell SecretaryTreasurer

Alan Kinney (Right) sworn in by his father

Alison Jones (978) 933-4187 | alisonjonesmeadowbrookcom | wwwmeadowbrookcom

Real Solutions To Meet Your Challenges

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bull $1 million in additional insurancebull Backed by a financially secure A+ rated companybull Customers keep their current homeownerauto insurerbull Excess UMUIM availablebull New drivers accepted mdash no age limit on driversbull Up to one DWIDUI per household allowedbull Auto limits as low as 10030050 in certain cases

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April Shrewsbury8002217917 x5360AprilShrewsburyiiabanet

9

Help Wanted








CONTACT


Personal Lines Customer Service RepresentativeSouth Burlington VTTS Peck Insurance based in South Burlington Vermont is looking for an experienced personal lines customer service representative to join our team This position involves assisting new and existing personal lines clients with billing claims and policy changes for all personal lines policies The position requires the ability to work closely with fellow customer service representatives producers management and insurance carrier personnel The work environment is professional and very supportive The ideal candidate should have excellent interpersonal skills 3+ years of CSR experience and fluency in the Applied Management System A property and casualty license is required TS Peck offers a highly competitive salary profit sharing and benefits package TS Peck has been providing personal and commercial insurance solutions to Vermonters since 1869 As a local independent agency we have deep roots in the community and offer superior service to our clients

Please send your resume tojakehynestspeckcom

TS Peck InsuranceAttn Jake Hynes41 IDX Drive 135South Burlington VT 05403

11

VT Young Agents Raise Nearly $1500 For Walk For Wishes

Noyle W Johnson Agency wins VIAA Walk for Wishes ChallengeVIAArsquos Vermont Young Agents Committee laced up their sneakers and raised funds for the Make-a-Wish Walk for Wishes event that was held on Sunday September 13 2015 at the Shelburne Museum The Vermont Young Agents held an inter-agency competition to see which agency could raise the most money NFP PampC and Noyle W Johnson accepted the challenge Noyle W Johnson won the competition and raised $530 with NFP PampC coming in second with $465 raised NFP went on to raise an additional $198 after the walk for a total of $663

Thank you to everyone that donated and spent their time and effort in helping to make another Wish come true

Dan RodliffChair Make-A-Wish Committee VTYACSNFP PampC

VERMONT

ldquoThank you to the Vermont Insurance Agents Association

and their Young Agents Committee for raising nearly $1500 in support of Walk For Wishes Congratulations to the

Noyle W Johnson Agency for being team winner of

the VIAA Walk for Wishes Challenge Pictured is Dan

Rodliff (right) from the Young Agents Committee

presenting a check to Make-A-Wish Vermont CEO Jamie Hathaway and

Wish Dog Addie

The products you need

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THE PRODUCTS YOU NEED From auto home and umbrellato watercraft classic car and moreSafecoreg has the products yourcustomers need most

Safeco Insurance with a principal place of business in Boston Massachusetts copy 2014 Liberty Mutual Insurance

Interested in becoming a Safeco agent Reach out to our VT Territory Manager Deb Bissell at DeborahBissellSafecocom for more information

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10

10 Reasons to Attend the Big ldquoIrdquoYoung Agents Leadership InstituteSeptember 24-25 at the Fairmont San Francisco Find answers to social media questionsmdashfrom time management to ROI Find out how to tap your inner creative side to increase sales Make connections with other young agentsmdashshare your successes and challenges Hear from top insurance carrier executives on issues important to your agency Network with industry and association leaders Take away tools to help you work smarter Discover new marketing best practices Spend time with good friends and get great ideas Play a little jeopardy with our friends from the ACT Check out the sights and sounds of San Francisco Calif

wwwindependentagentcomevents

Perpetuatethe IndustryCheck

Donrsquot wait until the office is empty to find new talent ndash support InVEST and find new recruits now InVEST is a free classroom to career program designed to increase awareness of the insurance industry with high school and college students And InVEST has been making huge strides over the last year With a new student center career center and more scholarship dollars than ever before InVEST is touching more and more students daily InVEST a 501 (c)(3) non-profit is supported by financial contributions from insurance companies and individuals in addition to the active involvement of hundreds of insurance professionals For volunteer and donor opportunities visit wwwinvestprogramorg


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La Mesa CA

We receive roughly 4-5 leads from TrustedChoicecom on a monthly basis and they are phenomenal Irsquove purchased all kinds of leads throughout the years and nothing is close to this The quality of the lead and closing percentage are just incredible

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10






INDEPENDENTAGENTCOMACTSECURE

INDEPENDENTAGENTCOMACTSECUREACT has what you

need to fill all your tech protection gaps

Visit IndependentAgentcomACTSecure

SECURITYEncrypt Your DatabasesErr on the side of caution when it comes to encrypting data Wersquove got the best practices for compliant data encryption and a primer on state regulations What you will find State privacy and PII regulations

Secure Your VoIPBe aware of the overall security level of your data infrastructure including your IP phone system What you will find resources to protect your VoIP traffic from packet analyzers

Remotely Access Agency SystemsRemote access requires awareness authentication intrusion detectionprevention systems and a secure VPN to lessen risks What you will find Remote Access software rankings VPN and server specifications

Take small steps to protect your agency and prevent cyber attacks ACT has the tools you need to help you protect your agency from cyber threats and prepare your agency to recover should disaster strike Visit independentagentcomACTSecure to find more than 50 helpful resources in 12 areas that you need to address now to protect your agency against the threats of tomorrow

PREVENTION KNOWLEDGE DOCUMENTRETENTIONMitigate Cyber Risk

With proper planning you can protect your agency from significant risks including data breach and cyberattack What you will find disaster planning and recovery resources

Protect PasswordsA Post-It note on a computer monitor doesnrsquot count Discover the best way to manage passwords What you will find resources to help you manage passwords and implement a strategy

Monitor Equipment in Real-TimeUnderstand and monitor the contents of data flowing in and out of your network What you will find Data Loss Prevention (DLP) solutions

Use ASP Systems for SecurityASP systems keep agency management and other system data accessible backed-up and automatically updated What you will find ASP comparisons price points keep antivirus in mind

Stay on the Right Side of the LawUnderstand the data breach laws and prevetion requirements for your states(s)What you will find resources for navigating PCI the FTC Omnibus Rule and more

Mobile DevicesWhile mobile is becoming essential using mobile devices to conduct business exposes your agency to additional security threats What you will find Information on encryption ldquoBOYDrdquo secure wireless connections other device security

Educate and TrainMake sure everyone knows their roles and responsibilities in safeguarding company assets and client information What you will find HIPAA security awareness resources agency security guidelines

Electronic Communication Know the laws and master the best practices regarding electronic communications What you will find Resources on e-signature the Uniform Electronic Transaction Act and ACORD standards

Should Documents Stay or GoYour agency needs a compliant document retention strategy to help prevent information from getting in the wrong hands

What you will find federal legislation state laws and best practices on document retention and destruction

Go PaperlessBefore taking the leap itrsquos critical to make a plan for a successful paperless transition What you will find Data hosting information on security vulnerabilities and precautions

Protect Confidential InformationKnow state and federal laws conduct risk analysis and compliance gapping then create PHI and PPI complient policies

What you will find rules amp tools for HIPPA FTC HITECH and PCI

Document DestructionDevelop and follow a process for destruction of paper and electronic files located on LANs cloud drives local and mobile devices and USB or external drives

What you will find FTC disposal of consumer information and shredding resources



























































16

Continuing EducationCruise

Casino Night

2015 VIAA Annual Convention Scrapbook

Casino Night

Trade Show

All photos from both days can be viewed at thorinmarkisoncomviaaphotos



Golf Tournament Kwiniaska Country Club


20 wwwviaaorg27

THANK YOU 2015 COMPANY PARTNERS

Diamond

Platinum

Gold

Silver

Bronze

VIAA_2015 CONVENTION PROGRAM DRAFTindd 27 9162015 85032 AM

THANK YOU 2015 CONVENTION SPONSORS

Premiere Convention SponsorCasino Night Beverage Sponsor

Casino Night Grand Prize Golf Tournament SponsorCasino Night Beverage Sponsor

Presidentrsquos Reception Sponsor

Convention Supporting SponsorCasino Night Food SponsorCasino Night Grand Prize

Registration Gift SponsorRegistration Gift Sponsor

Continuing Education Sponsor Casino Night Beverage SponsorConvention Branding Sponsor

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Casino Night Food SponsorCasino Night Grand Prize

Golf Hole SponsorGolf Beverage Sponsor Casino Night Grand Prize

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For more information about how you can write business with AmTrust please call 8775287878 or visit wwwamtrustnorthamericacom

Meet Stu from AmTrust Stu has some ldquostupendousrdquo ways to save your policyholders money

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23

How to Hold Your Salespeople Accountable

In an article a couple of months ago I mentioned that one of the biggest issues I see when it comes to managing sales teams is a lack of accountability Because it was only mentioned briefly as one of several issues Irsquove had many people come back to me asking for more on this particular problem so here it isFive Steps to Holding Your Salespeople AccountableStep 1) Set high standards during the hiring processWhatever your standard expectations are for your salespeople double those expectations when talking to a potential new hire For example if you expect your salespeople to make 50 phone calls a day tell the candidate itrsquos 100 If you expect them to go out and knock on 25 doors a day tell them itrsquos 50 If you expect them to work until 7 at night tell them itrsquos 9 Do you expect them to work on Saturday Tell them Saturday and Sunday Yes I hear some of your groaning right now The point of this is to test the candidate during the interview process Yoursquore looking for hard workers not skaters or slackers You can adjust your numbers to something more reasonable later but if you start with average numbers yoursquoll get average people to agree and then fall short even on those numbers You have to set expectations high to begin withNote You also need to be hiring attitude and aptitude You canrsquot teach work ethic drive self-motivation and perseverance and you canrsquot teach people to sell who arenrsquot cut out for it You need to hire people willing to do the hard work and make tons of calls even cold calls if necessary Have a tough hiring process and stick to it no matter who the candidate is or how good they seem to be Make them jump through some hoops and be tough If

they canrsquot take a little heat from you how are they going to take the heat out in the streetsStep 2) Hold people to the expectations they agree toEveryone needs to have annual monthly and weekly goals that translate to daily activity Are they making the number of phone calls and knocking on the number of doors they need to Are they working on Saturday if thatrsquos what they said they would do Whatrsquos their work ethic Are they meeting their daily numbers exceeding them or falling short Do they show up early and leave late The key here is whatever they agree to they need to be hitting those numbers and ideally exceeding them to some degree They also need to be working hard on the right activities If they arenrsquot hitting the numbers are they putting up a valiant effort Do they need some skills development or time management help Whatever the issue if they are falling short on their numbers it needs to be corrected quickly which leads to the next stephellip Step 3) Everyone needs to be on a 180-day employment cycleEvery new hire should have an original employment contract of 180 days Look you probably know within a couple of weeks whether or not this person will make it so you donrsquot want to be stuck with someone for longer than 180 days With new hires you want to micro-manage their activity a bit in the beginning and review numbers almost daily Track calls and activity and the bottom line is ultimate sales numbers donrsquot lie If they are falling short in the first 90 days and they have the right attitude and aptitude they should be able to make the necessary course corrections and you should see marked improvement and growth in the second 90 days If numbers are still abysmal after 180 days itrsquos time to cut bait

Sales Success with John Chapin

24

All your other producers even the veterans should also have a serious 90 and 180-day review When you look at their last 90 days if there are problems they have 90 days to get them corrected You may not have to be as strict and overt with your ldquogoodrdquo people but just make sure they arenrsquot getting into a comfort zone developing bad habits andor getting complacentNote This is another area where sports has it right The goalie not stopping pucks pitcher giving up runs and quarterback throwing too many interceptions isnrsquot the starter for longStep 4) Check up on your peopleIn addition to tracking the number of phone calls everyone is making you also need to be listening to phone calls and going out on calls with your people The best way to listen to and go out on calls is with no prior notice What I like to do is call someone out in the field ask where they are and then meet them and go on a few calls with them I also walk into someonersquos office and say ldquoLetrsquos make some phone callsrdquo And then I listen in The element of surprise is the most effective because the salespeople who are making the calls and are out doing what they are supposed to be doing wonrsquot be offended and will appreciate the help and insight The mediocre and poor producers who arenrsquot prepared for the phone calls or who say theyrsquore out making calls but in reality are hiding out at a coffee shop the movies or elsewhere will hate this Note As with Step 3 you know who your best people are and you can let them be a bit more autonomous You may not have to surprise them like you do the person you suspect isnrsquot doing what they say they are That said no one gets a pass on accountability If people are allowed to rest on their laurels most will Be careful of being too lax even with your best people

Step 5) Post sales numbers where all can see and use peer pressureThe lunch room is a great place to post numbers The point here is that people with low numbers will feel pressure to get their numbers up and the champions donrsquot mind some friendly competition and pushing one another You also want a positive environment of winners where the people who are working hard and doing the right things will thrive and the negative people and slackers will conform or exit stage rightOverall the most important part of accountability is to be committed to it and donrsquot let people slide because if you do most will

John Chapin is a sales and motivational speaker and trainer For his free newsletter or if you would like him to speak at your next event go to wwwcompletesellingcom John has over 26 years of sales experience as a number one sales rep and is the author of the 2010 sales book of the year Sales Encyclopedia For permission to reprint e-mail johnchapincompletesellingcom

Stay ahead of the curve with information and updates from Big ldquoIrdquo Flood

Dive in to lood knowledge

To learn more about Big ldquoIrdquo Flood visit wwwindependentagentcomFlood today

Being knowledgeable of NFIP coverages and changes is crucial in communicating the need for lood insurance to your clients Fortunately Selective and Big ldquoIrdquo Flood leverage a variety of channels to keep members up to speed including

Continuing education classes offered by state associations and taught by Selective Territory Managers or other industry experts

Regularly issued communications from Selective about NFIP legislative changes and how they impact agents and customers

Numerous publications providing industry updates

Insurance News amp Views weekly e-newsletterTwo for Tuesday weekly e-newsletterBig I Advantagereg Newsletter quarterly publi-cationIndependent Agent magazine special featuresNFIP reform announced in state association publications

Free topical webinars hosted by Big ldquoIrdquo Flood including a monthly ldquoOh By The Way Flood Salerdquo webinar as well as access to a virtual university dedicated to lood insurance










Vermont Insurance Agents AssociationPartner Program

Thank you 2015 Annual Partners for Your Continued Support

MMG Insurance CoProgressive MEMIC

Co-operative Insurance CosHanover Insurance GroupPatriot Insurance Company MAPFRE|USA

AllstateAmTrust North America Inc

BankDirect Capital FinanceForemost Insurance Co

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CONSOLIDATEcoverages with one

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A commercial umbrella underwritten by Swiss Re (rated A+ by AM Best) is now available exclusively to Big ldquoIrdquo members

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Broad coverage over primary casualty lines including EampO

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May to be written over a variety of EampO carriers

Contact your state association to learn more

or to receive a quote today

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Insurance products underwritten by Westport Insurance Corporation Overland Park Kansas Westport is licensed in all 50 states and the District of Columbia Insurance products mentioned may not be available in all states Please contact your state administrator or Westport for availability in your state

VIAS offers the most prestigious Errors amp Omissions carrier(s) in the countryWestport Insurance Company amp Utica National Insurance Group

Everything you insure is on your shoulders

Who do you trust to have your back

For a quote or for more information contact Helen Collins at hcollinsviaaorg or 1-844-609-1481wwwiiabaneteohappens

VIAS is a subsidiary of Vermont Insurance Agents Association viaaorg

29

Company News

Co-operative Insurance Companiesrsquo Vice President of Human Resources Named

2015 HR Professional of the Year

Co-operative Insurance Companiesrsquo vice president of human resources was recognized by her co-workers and industry peers for her contributions to the company her profession and the community this monthGina Larrow received the 2015 HR Professional of the Year award from the Society for Human Resource Management at the grouprsquos state conference in Burlington on September 10Larrow was nominated for her work to improve employee development and HR requirements planning her leadership on a company-wide succession planning and management initiative her refinement of Co-oprsquos recruiting and hiring processes and the trust shersquos earned from the companyrsquos employees during her 15 years thereldquoGinarsquos guidance and leadership have enormous impact on our ability to develop our current staff for jobs of the future and to recruit and hire the right peoplerdquo wrote Co-op president and CEO Marie Jewett in the nomination letterLarrow a graduate of Champlain Collegersquos business program holds the Professional in Human Resources designation from the Society for Human Resource Management She has earned certifications to administer and interpret both Myers-Briggs Type Indicator and Predictive Index tests She was a past leader and member of the National Association of Mutual Insurance Companiesrsquo HR committee and assisted in organizing national industry conferencesCloser to home she is a past member of the Middlebury UD3 school board and the board of directors of the United Way of Addison County and is a champion for the American Cancer Societyrsquos Relay for Life

Gina Larrow

30

Gerritt B Crowley Jr In Memoriam

Gerritt B Crowley Jr passed away from heart failure on October 3 2015 at the University of Vt Medical Center with his family by his side Gerritt was born in Burlington on December 15 1938 son of G Bernard and Ila Crowley He graduated from Burlington High School in 1957 and Champlain College in 1958 Gerritt was always a hard worker starting his early years on the Vosburgh farm in South Burlington In 1954 he went to work for S R Carter Farm Supply Company in Burlington first as a stock clerk later on the road as a traveling salesman He then worked for the Reliance Company out of Connecticut selling farm equipment During this period he served his country in the Army National Guard of Vermont In 1966 he joined the family firm of Crowley Insurance Agency with his parents and brothers He retired from the Agency in 2003 and in his retirement years worked part time for Bond Auto Parts once again running the roads In his 40 years in the insurance business Gerritt belonged to many insurance related associations including the PIA Professional Insurance Agents of New England and the ARM Group of Vt Agents He served as a commissioner on the Burlington Fire Department in the 1970rsquos and also served on the Grand Isle County Reparative Justice Board Gerritt made many lifelong friends through his connections with the insurance industry and for years hosted annual Insurance and Ice Fishing Seminars along with golf and lobster parties at the Crowley camp in South Hero Gerritt was a long-time member of the Ethan Allen Club and the Burlington Elks Lodge One of his

proud accomplishments was working with the Burlington Elks Lodge to build a cabin for his South Hero neighbor Camp Ta-Kum-Ta Gerritt married Nancy Patrick in 1960 and together they raised four childrenGerritt enjoyed living on the lake boating and spending many happy summers with his family Gerritt is survived by his wife Nancy of 55 years their children Patrick Crowley and wife Maryann of Vergennes Pamela Crowley of Shelburne Kelly and husband James Clements of

East Aurora NY and Gerritt (GB) CrowIey Ill of Burlington grandchildren Matthew Crowley and wife Heather of Vergennes Jack Badger and wife Megan of Vergennes Jared and Jeffrey Badger of Shelburne JP and Kellen Clements of NY great granddaughters Ila and Clara Crowley of Vergennes brother-in-law Gene Patrick of Richmond and many nieces and nephews He was predeceased by his parents his brothers Thomas and John Crowley and in-laws Thomas and Norma PatrickA Mass of Christian Burial will be celebrated on Friday October 9 2015 at 1100am at St Anthony Catholic Church 305 Flynn Ave Burlington VT Visiting hours will be on Thursday October 8th from 4-7pm at the Corbin amp Palmer Funeral Chapel 9 Pleasant Street Essex Jct VTThe family would like to thank Dr Christopher Hebert the Cardiology Team at Tilley Drive and the McClure 5 nurses for their compassionate support and care Donations may be made in his memory to Camp-Ta-Kum-Ta PO Box 459 South Hero Vt 05486

Bookmark 3

7th












In This Issue

October 2015





4














13INR052 713




Member FDIC

6






















CONTACT


9

Help Wanted








CONTACT





11





VERMONT







Wish Dog Addie


247 claims


BEST OF A NATIONAL

uumluumluuml

Local relationships

Local claims staff


BEST OF A REGIONAL

uumluumluuml




123456789

10






Insurance Agency

La Mesa CA


ldquo

rdquo


123456789

10
























































































16


Casino Night


Casino Night

Trade Show






20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3












In This Issue

October 2015





4














13INR052 713




Member FDIC

6






















CONTACT


9

Help Wanted








CONTACT





11





VERMONT







Wish Dog Addie


247 claims


BEST OF A NATIONAL

uumluumluuml

Local relationships

Local claims staff


BEST OF A REGIONAL

uumluumluuml




123456789

10






Insurance Agency

La Mesa CA


ldquo

rdquo


123456789

10
























































































16


Casino Night


Casino Night

Trade Show






20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3

4














13INR052 713




Member FDIC

6






















CONTACT


9

Help Wanted








CONTACT





11





VERMONT







Wish Dog Addie


247 claims


BEST OF A NATIONAL

uumluumluuml

Local relationships

Local claims staff


BEST OF A REGIONAL

uumluumluuml




123456789

10






Insurance Agency

La Mesa CA


ldquo

rdquo


123456789

10
























































































16


Casino Night


Casino Night

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20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

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13INR052 713




Member FDIC

6






















CONTACT


9

Help Wanted








CONTACT





11





VERMONT







Wish Dog Addie


247 claims


BEST OF A NATIONAL

uumluumluuml

Local relationships

Local claims staff


BEST OF A REGIONAL

uumluumluuml




123456789

10






Insurance Agency

La Mesa CA


ldquo

rdquo


123456789

10
























































































16


Casino Night


Casino Night

Trade Show






20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3

6






















CONTACT


9

Help Wanted








CONTACT





11





VERMONT







Wish Dog Addie


247 claims


BEST OF A NATIONAL

uumluumluuml

Local relationships

Local claims staff


BEST OF A REGIONAL

uumluumluuml




123456789

10






Insurance Agency

La Mesa CA


ldquo

rdquo


123456789

10
























































































16


Casino Night


Casino Night

Trade Show






20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3
















CONTACT


9

Help Wanted








CONTACT





11





VERMONT







Wish Dog Addie


247 claims


BEST OF A NATIONAL

uumluumluuml

Local relationships

Local claims staff


BEST OF A REGIONAL

uumluumluuml




123456789

10






Insurance Agency

La Mesa CA


ldquo

rdquo


123456789

10
























































































16


Casino Night


Casino Night

Trade Show






20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3

9

Help Wanted








CONTACT





11





VERMONT







Wish Dog Addie


247 claims


BEST OF A NATIONAL

uumluumluuml

Local relationships

Local claims staff


BEST OF A REGIONAL

uumluumluuml




123456789

10






Insurance Agency

La Mesa CA


ldquo

rdquo


123456789

10
























































































16


Casino Night


Casino Night

Trade Show






20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3

11





VERMONT







Wish Dog Addie


247 claims


BEST OF A NATIONAL

uumluumluuml

Local relationships

Local claims staff


BEST OF A REGIONAL

uumluumluuml




123456789

10






Insurance Agency

La Mesa CA


ldquo

rdquo


123456789

10
























































































16


Casino Night


Casino Night

Trade Show






20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3


247 claims


BEST OF A NATIONAL

uumluumluuml

Local relationships

Local claims staff


BEST OF A REGIONAL

uumluumluuml




123456789

10






Insurance Agency

La Mesa CA


ldquo

rdquo


123456789

10
























































































16


Casino Night


Casino Night

Trade Show






20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3

Insurance Agency

La Mesa CA


ldquo

rdquo


123456789

10
























































































16


Casino Night


Casino Night

Trade Show






20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3



















































































16


Casino Night


Casino Night

Trade Show






20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3

Casino Night

Trade Show






20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3





20 wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze























wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3

wwwviaaorg27


Diamond

Platinum

Gold

Silver

Bronze
































(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3










(Excellent) FSC X

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3

23





24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

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agents professional




business
















29

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Gina Larrow

30





Bookmark 3

24





























NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

Company News




Gina Larrow

30





Bookmark 3

















NGM Insurance


Kemper

Diamond Partners

Platinum Partners

Gold Partners

Silver Partners

Bronze Partners




endorsed by IIABA


carrier and avoid

potential gaps



agents professional




business
















29

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Bookmark 3




endorsed by IIABA


carrier and avoid

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agents professional




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29

Company News




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30





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29

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30





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