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The Rough Notes Company Inc.

Benefits & Financial Services

    The Dam Is About to Burst!

The Dam Is About to Burst!

Risk Management Making good risk decisions with the information at hand This past February some 200,000 people were warned to grab what they could and head for higher ground or risk being swept away by the collapse of the Oroville Dam, California’s second largest dam and the tallest in the United States. This catastrophe could have unleashed a 30-foot wall of water that would have swallowed up the towns and

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    TIME IS RIGHT FOR ID THEFT PROTECTION

TIME IS RIGHT FOR ID THEFT PROTECTION

Greater awareness and increased risks create growth opportunities in voluntary and core benefits markets If your agency doesn’t offer customers a chance to protect their identities—or those of your business customers’ employees—you may be missing an opportunity not only for some added revenue, but also a chance to boost client retention. According to market experts, identity theft protection is an easy sell to employers and employees and the time to

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    CRITICAL ILLNESS–A KEY VOLUNTARY PRODUCT

CRITICAL ILLNESS–A KEY VOLUNTARY PRODUCT

Critical illness sales opportunities rise along with the growth of high-deductible healthcare plans Critical illness insurance (CI) continues to ride the wave of voluntary benefits success. At Sun Life Financial, critical illness sales in the workplace have been averaging 30% annual growth for the past three years, a rate the company expects to maintain for the next three or four years. Unum, another key player in the market, also has

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    Innovation, alternative approaches drive benefits success

Innovation, alternative approaches drive benefits success

Georgia agency sees benefits revenues increasing by30-plus percent a year, triple the rate of other lines Arriving late to a party doesn’t necessarily mean that all the good hors d’oeuvres are taken. You might just avoid filling up on the ordinary snacks while the best are being baked. Edward Smith, executive vice president of Hutchinson Traylor Insurance in LaGrange, Georgia, explains that, compared with other agencies in its region, his

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    ACCIDENT INSURANCE: MONEY IN THEIR POCKETS

ACCIDENT INSURANCE: MONEY IN THEIR POCKETS

Practical benefit can help workers address health insurance gaps and manage increased costs It used to be a throw-in, a cheap benefit that employers added to their plan designs at nominal cost as part of a package of ancillary coverages that included term life, dental and vision benefits. The old Accidental Death and Dismemberment (AD&D) policies paid a limited schedule of benefits for rare catastrophic claims; as a result they

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