Floor Plan Financing Solutions for Dealers of the Southeast-City Auto Finance #auto #loans #for #people #with #bad #credit


#auto finance
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Large enough to meet all your floorplan needs, small enough to understand them.

City Auto Finance is a dedicated automotive finance provider headquartered in Franklin, TN with offices in Memphis, TN; Mobile, AL; Huntsville, AL; Murfreesboro, TN; and Chattanooga, TN. Each branch is staffed with experienced professionals who truly understand their local market and the automotive industry.

The leadership at City Auto Finance has decades of experience not only in the floorplan industry, but more importantly the used car business. Our unparalleled experience in the automotive industry affords us a unique understanding of the challenges and needs of the independent used car dealer. CAF develops creative and individual solutions coupled with unsurpassed customer service to help our customers and business partners maximize their potential.

What Sets City Auto Finance Apart?

Apply Now

Start financing your purchased inventory with the most trusted finance provider in the Southeast. We provide you with the capabilities to sort your inventory and make payments online with our ACH payment feature. Contact your local CAF branch for more information and ways we can meet the unique financial needs of your used-car dealership.

Dealer Login

We are with you anytime, anywhere. City Auto Finance dealers can access their account information, make payments, and request financing through our simple Dealer Login which includes our ACH payment feature.

As the owner of two car lots and as a consumer, I find myself drawn to businesses that provide fast, friendly and consistent customer service. That is what I experience with City Auto Finance every day. Everyone I deal with there is knowledgeable about the services they provide and act in a very professional manner. They are always friendly and provide service with a smile.

Shelly Alexander, Frankie’s on Covington Pike


RapidSeedbox: Anonymous Seedbox VPS – Dedicated Servers, vps plan.#Vps #plan


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Little’s Funeral Home: Obituaries, Online Tributes and Guest Book for Love Ones and Friends, Funeral Home Directors Services Since 1918, Orchestrating timeless ceremonies # #little’s #funeral #home, #www.littlesfh.com, #the #funeral #directors, #since #1918, #burial, #casket, #embalming, #cemetery, #crematoriums, #cremations, #crematory, #death #notices, #deaths, #death, #death #obituaries, #funeral #directors, #funeral, #funeral #arrangements, #funeral #home, #funeral #home, #funeral #homes, #funeral #planning, #funeral #flowers, #flowers, #grief, #grief #resources, #mortuary, #local #obits, #obit, #obituary, #obits, #obituaries, #the #obits, #tribute, #planning, #plan #ahead, #prearrange, #pre-arrange, #preneed, #pre-need, #preplan, #pre-plan, #pa, #pa, #pennsylvania, #adams #county, #york #county, #new #oxford #pa, #littlestown #pa, #gettysburg #pa, #hanover #pa, #maryland, #md, #md, #carroll #county, #westminster #md, #taneytown #md, #obituary #md, #obituary #pa, #newspaper #obituaries, #remembrance, #obituary #notices


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Died: Jun 1, 2017

J. Steven Nester, 69, of Hanover, died Thurs, June 1, at his home. He was the husband of Dolores “Dee” (Hynes) Nester for 46 years. Born June 9, 1947 in Hanover, Steve was the son of the late Emanuel & Isabelle (Morelock) Nester. He was a Franklin High School graduate of Reisterstown and served in the Navy during the Vietnam War. He was in a Carpenters Apprentice Program in Baltimore and was a carpenter of local Union 101 of Baltimore. He had also been employed with Boyd’s Bears, formerly of Gettysburg.
Read more.

Died: May 14, 2017

G. Lawrence “Larry” Hartman, Jr. formerly of Littlestown, passed quietly to the Lord at his Hanover home on Sunday, May 14. Born in Tacoma Park, DC, he spent most of his life in Adams County. He was the son of the late George Lawrence Hartman, Sr. and Mary Rebecca (Ogburn) Hartman Read more.

Died: May 13, 2017

Ronald R. Kerzaya, 89, formerly of Littlestown, died Sat. May 13, at Homewood at Plum Creek, Hanover. He was the widower of Betty J. (Izer) Kerzaya who died May 10, 2013 Read more.

Died: May 12, 2017

Helen M. Kessler, 81, of Hanover, died Friday, May 12, at Hanover Hospital. She was the widow of Vernon E. Kessler who died Sept 12, 2006. Born May 12, 1936 in York, Helen was the daughter of the late John W. & Theda (Wagner) Olewiler. She was a farmer and caregiver Read more.

Died: May 11, 2017

Scott A. Cassell, 58, of Silver Run, MD, died Thursday, May 11, at John Hopkins University Hospital, Baltimore. He was the husband of Sandra L. (Barrett) Cassell Read more.

Died: May 9, 2017

Janet A. Messinger, 85, of Littlestown, died Tues, May 9, at Hanover Hospital. She was the widow of Wilbert J.H. Messinger who died Jan 20, 2006. Born June 18, 1931 in Hanover, Janet was the daughter of the late Alvin & Myra (Rebert) Gerrick. She was a 1950 Littlestown High School graduate and a lifelong farmer Read more.

Died: May 8, 2017

Ivan Lane Cornwell, 57, of Littlestown, Pennsylvania, after battling cancer went to his eternal home on Monday, May 8, 2017. He was the husband of Lisa A. (Claflin) Cornwell for 37 years Read more.


Jamila A Coleman – State Farm Insurance Agent in Ft Washington, MD #washington #automobile #insurance #plan


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Jamila A Coleman

Jamila A Coleman

  • Providing Insurance Quotes in Ft. Washington MD 20744
  • Providing Insurance Quotes for Maryland, DC, & Virginia
  • Focused on Retirement Planning and Education Planning
  • Focused on Auto Insurance, and Homeowners Insurance
  • Focused on Renters Insurance and Business Insurance
  • Focused on Life Insurance, and Health Insurance
  • Focused on Motorcycle Insurance, and Boat Insurance
  • Free Quotes For Personal and Business Insurance Needs
  • Providing Insurance and Financial Services Reviews
  • We offer a 24 Hour Help Line Service to Customers
  • Long Time DC and MD Resident
  • Majored In Business Finance At Univeristy of DC
  • Member of the PG. County Chamber of Commerce

Whatever your needs are State Farm has got you covered! Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams. Our office is located in Ft. Washington MD and we serve the entire DMV. We offer 24 hour good neighbor service and we would love to do business with you.

Disclosures

State Farm Bank, F.S.B. Bloomington, Illinois ( Bank ), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit or service offered by visiting statefarm.com or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp. (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP2014/12/2170

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.

Auto Insurance in Ft Washington, MD

Shopping for car insurance? Jamila A Coleman in Ft Washington, MD is one of more than 18,000 State Farm® agents nationwide who can help keep you and your family covered with quality auto insurance. You can talk to an agent at any time.

Get an online auto insurance quote – it’s fast and easy.

Already a State Farm customer. linkStartTag Register for online account access :linkEndTag to make payments and more.

Get an Auto Quote

Continue Your Auto Quote

Home Insurance in Ft Washington, MD

More people choose State Farm® for their homeowner’s insurance over any other providers.

Make the move with Jamila A Coleman in Ft Washington, MD to protect your home and family. Plus, save money when you have both car and home insurance with us.

Get a home insurance quote online – it’s fast and easy.

Get a Homeowners Quote

Life Insurance in Ft Washington, MD

State Farm® offers competitive life insurance rates to help protect you and your loved ones.

There’s a lot to learn when you’re getting started with life insurance. When you’re ready, Jamila A Coleman in Ft Washington, MD is here to help.

Get a life insurance quote online – it’s fast and easy.

Get a Life Quote


Term Life Insurance for Canadians #cover #me, #coverme, #manulife, #life #insurance #plan, #canadian #term #life #insurance, #insurance #quotes, #whole #life #insurance, #life #insurance #benefits, #apply #online, #request #a #brochure, #get #a #quote, #claims, #manufacturers #life #insurance #company


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CoverMe Term Life Insurance

The affordable way to ensure your loved ones are protected

If you are between the ages of 18 and 55, CoverMe Term Life insurance lets you get up to $250,000 in instant coverage – with no medical exam – just by completing a simple health questionnaire online. Even if you already have some life insurance elsewhere, the low cost of CoverMe Term Life makes it easy to ‘top up’ your existing coverage. Get your quote now by visiting our new Instant Quote website. Get your quote now by visiting our new Instant Quote website.

For those between the ages of 18 and 70, we offer CoverMe Term Life insurance coverage in amounts from $100,000 up to $1,000,000. You can choose the amount of coverage that best suits your family and budget, so you won’t end up paying for something you don’t want or need. The CoverMe Term Life insurance plan gives you a simple, economical way to secure your family’s financial security.

CoverMe Term Life premiums are based on your age, so the younger you are when you apply, the lower your rates will be. Apply now – before your next birthday – and you’ll pay a lower premium. The premium you pay when you apply is guaranteed not to increase for 10 years.

Simple, affordable protection
Dollar for dollar, term life insurance offers you one of the most economical ways to get the maximum amount of protection.

Insurance that covers you – and your spouse
Choose the amount of coverage that suits your lifestyle and budget – from $100,000 up to $1,000,000. Your spouse should consider applying for coverage as well. Use our calculator to estimate how much life insurance you both may need.

Applying is fast and easy
Apply online in the comfort of your home whenever it’s convenient for you. If you’re between the ages of 18-55 and want $250,000 or less in coverage, no medical exam is required upon application. All you have to do is complete a health questionnaire and you can receive instant coverage. 1 Learn more

Premiums are guaranteed for 10 years
Premiums are set and guaranteed for 10 years when your policy is initially issued. Renewal premiums are not guaranteed, which means that they will increase at each 10-year renewal (as you get older), but once your renewal premiums are set, they will remain the same for the next 10-year term. 2

Coverage is renewable up to age 85 – guaranteed
Your coverage is guaranteed renewable up to age 85 – regardless of any changes in your health. Your coverage will not be cancelled as long as your premiums are paid.

No medical underwriting upon renewal
When your coverage renews in 10 years, it will be at your new age-based rate – without any medical exams or questionnaires required at the time of renewal.

Conversion to a Permanent Life insurance policy
If you wish, you can convert your CoverMe Term Life insurance policy at any time before your 70th birthday without providing medical information or undergoing a medical examination at the time of conversion. You are limited only by the Manulife conversion products available and their restrictions regarding coverage amount and minimum premium. For more information about conversion options contact us.

Lump-sum benefit
In the event of your death, your beneficiaries will receive a tax-free benefit. They can use the lump-sum payment towards the mortgage, outstanding debts and loans, living expenses, education expenses. the choice is theirs.

Living Benefit included – at no additional cost
Should you be diagnosed with a terminal illness with less than 12 months to live, you may be eligible for a compassionate one-time cash advance of up to 50% of your term life insurance coverage (to a maximum of $100,000). This cash advance is tax-free and yours to use however you wish. 3

You own your coverage
Unlike group coverage that can change or end as you move from one employer to another or retire, you will “own” your CoverMe Term Life insurance coverage up until age 85.

Earn AIR MILES � reward miles
When you pay your premiums monthly, you have the opportunity to collect AIR MILES � reward miles every year as a CoverMe Term Life policyholder.

30-Day Money-Back Guarantee
If you are not completely satisfied with your CoverMe Term Life insurance policy, you may return your policy to Manulife within 30 days of the issue date to have your coverage cancelled and your entire premium will be promptly refunded.

1 To be eligible for instant coverage, you must meet the approval guidelines of our health questionnaire.
2 Renewal premiums are not guaranteed. However, at each 10-year policy anniversary, when you renew at the then applicable premiums, your premiums will remain the same for the next 10-year term.
3 To be eligible for the CoverMe Term Life Living Benefit, you must be less than 83 years of age and your policy must be in effect for at least two years.

Apply Before Your Birthday

Your premiums are based on your gender, smoking status and your age at the time of application. Apply now. before your next birthday, and you will save money by locking in at a lower premium for the next 10 years.

Satisfaction guaranteed – or your money back!

Once you receive your CoverMe Term Life insurance policy, review it carefully. If you are not completely satisfied, you may return your policy to Manulife within 30 days of the issue date to have your coverage cancelled, and your entire premium will be promptly refunded. No questions asked.

CoverMe Term Life Important Notice

This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon final application approval. It contains important details concerning exclusions, conditions and limitations. Please review them carefully upon receipt.


O Reilly Auto Parts warehouse plan will bring 80 full-time jobs to Devens #discount #auto #parts


#reilly auto parts
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O’Reilly Auto Parts warehouse plan will bring 80 full-time jobs to Devens

O’Reilly Auto Parts plans a major distribution warehouse for Devens O’Reilly Auto Parts

Missouri-based O Reilly Auto Parts will begin work on a $32.9 million project to construct a 370,000-square-foot warehouse in Devens.

The project, on behalf of O Reilly subsidiary Ozark Automotive Distributors, was approved today by the Economic Assistance Coordinating Council for participation in a state tax credit program known as the Economic Development Incentive Program.

The distribution center will accommodate O Reilly s growing customer demand in New England. It will create 80 new full-time jobs in Massachusetts.

The project will receive $400,000 in state investment tax credits, determined by the EACC, and Devens overseer MassDevelopment will provide support with a reduced tax assessment for the first five years.

O Reilly Auto Parts currently has more than 4,000 stores and 24 distribution centers throughout the country. 


ABC Bail Bonds #bail #bonds #sarasota #fl, #bail #bonds #sarasota #shane #steiding #marvin #teresa #teri #terry #terri #venice #manatee #bradenton #1954 #main #st #lakewood #ranch #osprey #surety #bond #jail #warrant #transfer #notary #payment #plan #collateral #fast #immediate #court #case #search #clerk #sheriff #office #nationwide #online #electronic #paperwork


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iBond uOut / ABC Bail Bonds

ABC Bail Bonds has been in business for over 20 years, a feat we have accomplished by always remembering that our clients are our business. We feel that bail bond agents have an obligation to their clients to do more than just issue bonds. We provide our clients with unparalleled prompt, friendly, and comprehensive service. We maintain a knowledgeable support team with a combined experience of over 60 years.

ONLINE BONDING NOW AVAILABLE!!

Sign paperwork from your home, office or anywhere using your computer, smartphone or tablet.

Apply for E-Bond (Online Bond)
(You need to have an email address registered in YOUR name to electronically sign the document.)

Our Business Ethics:

  • Never mislead our Clients.
  • Engage in honest business practices.
  • Uphold our fiduciary responsibilities to our Insurer, Clients, Courts, and all other parties involved.
  • Respect the values and opinions of each individual.
  • Maintain integrity as the foremost value in all transactions.

Why Choose Us?

  • Professional Agents
  • Live Agents 24/7/365 Including All Holidays
  • Immediate response
  • Payment Plans
  • Collateral Not Always Needed
  • Nationwide Bail Service
  • A+ Better Business Bureau rating
  • Electronic Bonding

Commitment to our Clients:

  • Never forget that our Clients are our business. Without you we would not exist.
  • Always show a high standard of respect for our Clients.
  • Be patient and helpful and answer all questions thoroughly.
  • Ensure our business culture promotes a respectful atmosphere for all.
  • Always act with urgent purpose.

Services:

  • Bail Bonds
  • Nationwide Transfer Bond Network
  • Notary Services
  • Warrant Checks
  • Bail Before Jail (Warrants)
  • Easy Payment Arrangements

Dental Insurance – What Insurance Plan is Right for You? #how #to #choose #an #insurance #plan, #dental #insurance #plans #insurance #plan #dentistry #financing #treatment #coverage #cost #cosmetic #dentistry


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Dental Insurance: Plan Comparison and Coverage Guide

Dental insurance is intended to help offset the costs associated with dental care. The mere thought of out-of-pocket expenses prevents many Americans from receiving routine and necessary dental treatment.

Today’s dental treatments range in cost from $300 per year for regular dental hygiene visits, to $25,000 or more for restorative dental procedures or cosmetic dentistry. Additionally, when compared with medical insurance coverage, dental insurance plans generally offer fewer benefits.

Dental Insurance Plans: What’s Available?

Various dental insurance plans are available for individuals in the U.S. and are designed to help offset the costs associated with necessary dental care. Plans have limitations on the number of dental visits, radiographs (X-rays) and treatments that are covered, and other services may be excluded. Some plans only reimburse patients when the least expensive treatment alternative is selected; other plans do not provide coverage for necessary treatments of pre-existing conditions.

You may not be aware that you have flexible spending account options available through your employer for dental or medical needs. Check with your employer to see if a flexible spending account is an option for you.

The types of dental insurance plans available include the following:

Dental Insurance Plan Choices:

  • Indemnity Plan: An indemnity dental insurance plan allows you to select your own dentist. These plans are considered fee-for-service and come with limitations and co-payment options. This means that you pay a flat fee for the dental visit, but you have an annual limit on coverage for dental spending, and specific coverage limits may apply to individual dental procedures.
  • Self-Insurance Plan: Self-insurance dental plans may be similar in nature to indemnity plans, but you might not be able to select your own dentist.
  • Closed Panel Plan: Closed panel dental plans limit you to using a specific group of facilities and the number of dentists available to you.
  • Capitation Plan: Capitation dental plans designate specific dentists for intervals of treatment. These dentists have a contract indicating that they will be paid a fee regardless of whether dental treatment was required.
  • Preferred Provider Organization (PPO): PPO dental plans are limited to a group of dentists who are available to provide dental care at a reduced cost.
  • Direct Reimbursement Plan: Direct reimbursement dental plans allow employers to directly reimburse employees for dental services they receive.
  • Dental Care Service Plan: Dental care service plans use a group of dentists who form a non-profit organization to provide dental services at set fees.

What’s Covered by Dental Insurance?

If you have dental insurance, familiarize yourself with your plan so you know what is covered and how. For example, if you require a dental filling and would prefer a composite material, evaluate the benefits allocated in your plan for composite fillings. Many insurance companies will only reimburse composite filling costs at a rate equal to that of an amalgam filling. You would be required to pay the remaining balance as an out-of-pocket expense.

Cosmetic dental procedures are not typically covered by dental insurance. However, if you have insurance and require veneers for restorative purposes, ask your dentist about the possibility of filing for reimbursement for a percentage of the costs. Also, if you are undergoing a smile makeover that will involve multiple necessary treatments as prerequisites (e.g. root canals or orthodontic bite adjustments), some of those costs may be covered by insurance.

More often than not, the cost of cosmetic dentistry will not be offset by insurance.

It is important to ask the dentist’s finance manager about dental treatment costs prior to agreeing to and receiving treatment. Dental insurance plans differ in the level of reimbursement offered for certain procedures and in annual dental spending caps. Some plans limit the waiting period before certain dental treatments are rendered. Additionally, plans typically have exclusions, meaning that costs for certain dental procedures will not be reimbursed. Dental finance managers can call your insurance provider to pre-determine the out-of-pocket costs associated with your planned procedure.

Usual, Customary, and Reasonable (UCR) Fees

The most common term used by dental insurance companies on their Explanation of Benefits (EOB) statement to identify the fee for dental treatment is called Usual, Customary and Reasonable (UCR). UCR fees are determined by insurance providers based on the typical costs associated with various dental procedures.

For example, if your procedure costs $90, your dental insurance provider may have a UCR for the procedure of $60. You would therefore be responsible for paying the $30 difference as an out-of-pocket expense.


Insurance Agency Sample Marketing Plan – Marketing Strategy #marketing #strategy #plan #template


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Marketing Strategy

  1. Emphasize service and support.
  2. Build a partnership business based on account selling.
  3. Focus on senior, claims-free personal lines business and the profitable, well-run, small family business.
  4. Target small, non-franchise business that does not have access to group insurance plans.
  5. Investigate acquiring other brokerages in the area.

Get practical ideas and good models with dozens of examples of successful

marketing plans with Sales and Marketing Pro.

Mission

Acme Insurance’s mission is to provide the finest level of insurance services. We exist to attract and maintain customers. With a strict adherence to this maxim, success will be insured. Our services will exceed the expectations of the customers.

Marketing Objectives

  1. Increase market share by 1% per quarter.
  2. Reinforce a market image as the finest service provider in the industry.
  3. Increase the ability to forecast which prospective customers are going to have the least number of claims and convert them into long-term clients.

Financial Objectives

  1. Increase profits by 2% a quarter.
  2. Hold customer acquisition costs steady.
  3. Decrease the costs associated with serving distant clients.

Target Marketing

The market consists of senior citizens, lower-income young families (many of who are on social assistance) and the small, family-run business (many of which are seasonal and based on the tourist trade).

Acme is cautious about encouraging business from lower income prospects since they tend to have wood heat, homes in poor repair, and many attempt to install and repair their own plumbing, wiring, and heating systems.

Positioning

Acme Insurance is being positioned as a comprehensive, personal insurance broker serving clients through close, personal service. Acme will serve all of Smalltown, which is a widely dispersed, rural community. Acme will leverage our competitive advantages which consists of the following:

  • Knowledgeable industry participants- Having established the company in 1938, Acme has amassed a huge amount of industry knowledge based in empirical experience. Having significant experience provides the entire company with a vast amount of industry knowledge that Acme is able to leverage and offer as value to the clients.
  • Close personal customer relationships- The business model is based on the staff developing close, communicative relationships with clients. The stronger and more open the relationship is, the more value and higher level of service that can be offered. While other insurance brokerages claim to offer closer personal contact, this business philosophy has been cultured within Acme and all of its employees. Because these types of relationships are so fundamental to Acme’s practices, everyone in the firm practices them, consciously and subconsciously.

Strategy Pyramids

The main focus of Acme’s marketing plan is the establishment of Acme Insurance as the premier, customer-centric insurance brokerage serving the Smalltown area. The marketing strategy will seek to continually develop customer awareness regarding the services offered, develop the customer base, and constantly build customer loyalty and referrals.

This strategy will be implemented by communicating that Acme can better serve Smalltown’s insurance needs. This message will be communicated through a variety of methods. The first method of communication is through advertisements in the Yellow Pages. A second method of communication will be the distribution of sales literature.

Acme has recently produced a pamphlet titled “Insurance Partners” that stresses that a successful insurance partnership between the client, the broker, and the company is based upon a new concept.

Not only do the broker and the company take responsibility for proper protection and indemnity in the event of loss, but in the 2000’s, the client must also take his/her share of responsibility to insure the safety of his/her property by keeping it well maintained and using qualified professionals to update or change the heating, electrical, and plumbing systems in his home. Acme stresses that multiple claims or claims arising out of poor maintenance may adversely affect his/her insurance.

In addition to the above, the brokerage uses a number of boilerplate letters on our computer system that are sent along with various types of policies explaining unique features or limitations in the contracts to avoid possible Errors and Omissions claims. They also encourage the clients to contact Acme about reviewing their coverages and promote other products and services Acme provides.

A third method of communication will be several insurance workshops that are offered throughout the year to the Smalltown community. The purpose of the workshops is multi-fold. One aim is the education of the consumer to the different services that the insurance industry and insurance brokers offer. Primarily, the goal of the seminars is to introduce customers to Acme, the services provided, Acme’s in-depth knowledge, and care for customers. Some of the seminars will be targeting seniors, others will be address a general audience.

Marketing Mix

Acme Insurance’s marketing mix is comprised of the following approaches to pricing, distribution, advertising and promotion.

Pricing – The customers are especially sensitive to value. Acme must ensure that our price and service are perceived to be good value to the client.

Our markets must offer several payment options to our clients that are convenient to the client, not just to the company. Example – payment on insured’s preferred day of month, not on the company’s, and accepting payment by credit or debit card. Many insureds are on a fixed income and receive their income on a set day of each month or a paycheck on a particular day.

Acme is seeing the commercial markets now moving toward basic coverage and limiting the “bells and whistles,” all-risk products available to only those clients who have modern, well-managed, profitable, low-risk operations. This should help stabilize pricing and, even more important, ensure that there is an insurance market available for most risks. Continued insistence by the industry on better proactive protection, i.e. fire and burglar alarms, upgrading of buildings, etc. has started to lower loss ratios.

Many of the larger insurance markets have increased minimum premiums to $1,000 for any commercial package policy. The Lloyds market should be able to accommodate these customers with a minimum premium of approximately $600.

Distribution – This will occur both at Acme’s offices as well as on occasion at the insured’s home.

Advertising and Promotion – Acme has depended in the past on a small advertisement in the local newspaper, listings in the Yellow Pages, and word of mouth. Acme must begin to investigate alternate ways to put its name in front of the public.

  1. All advertising has to emphasize the differentiation points rather than just price. Acme will be developing a “Now what do I do?” message to emphasize the need for dealing with Acme’s insurance professionals so that in the event a loss occurs, you know you have the proper protection.
  2. Acme must sell the company, not the product. In spite of some companies’ efforts to minimize the importance of the broker, the clients still identify with the broker, not the insurance company.
  3. Acme Insurance must improve and increase contacts with the clients. All clients should be contacted before renewal to ensure covers are current and adequate. Also, new insurance should be solicited.
  4. Make contacts and support senior citizen groups and cottage associations. Identify sports and hobby groups that involve seniors and cottagers.
    Additionally, two other methods will be employed, distribution of printed material and the hosting of free public seminars.

Customer Service – The reality of the insurance brokerage industry is that the service is the product. Insurance is a commodity-like purchase and it is the service of the broker that distinguishes providers. With this important fact recognized, Acme strives to provide the highest level of customer service.

Marketing Research

While the most recent rendition of the marketing plan was being completed, Acme conducted primary market research. The market research that Acme collected was in the form of questionnaires. Theses were given to current as well as prospective customers.

The goal of the questionnaires was to collect insight and perspective from our target customers. The forms were designed by a graduate student in the statistics department. An expert was employed to ensure the validity of the forms. A total of 200 forms were handed out and 68 were returned completed. The results of the surveys were that some of the originally held assumptions were confirmed. Additionally, there were many different beliefs/ perspectives that were unexpected but observed in the surveys. Overall, the questionnaires were a valuable form of primary market research that has been instrumental in the completion of this marketing plan.