THE Secret to Being a Great Insurance Agent – in only 263 Words

THE Secret to Being a Great Insurance Agent – in only 263 Words

By Christopher J. Boggs | Academy Journal Blog

Several years ago a relatively new insurance producer asked me this seemingly simple question, “So, what is the secret to the insurance business?” Mine was a somewhat simplistic answer with deep meaning (and a profound impact on his career).

The secret to the insurance business is the realization that if you do ‘this’ (advising on and providing coverage) wrong, you could ruin someone’s life.” That’s it… that is the secret to the insurance business.

When you finally realize this truth – that coverage matters and insurance is not a commodity – your whole approach changes. You:

  • Want and have the internal drive to learn everything you can about coverages, statutes, and coverage options;
  • Learn everything you can about your client’s industry to assure you are providing the correct coverages;
  • See yourself as a key advisor for and to your client;
  • Are no longer afraid to cold call or even “warm chatter” because you are more afraid the other agent didn’t do “it” right (leaving the client exposed to personal financial tragedy);
  • Take time to develop a detailed underwriting packet submission so your underwriters understand the risk and what you are doing for your client;
  • Focus discussions on exposure, making price secondary (you stop leading with price); and
  • Are always unsatisfied with your level of knowledge (and even a little afraid) because you know there is so much more to learn.

Professional agents should be more concerned about the client’s exposures than even the client is because of the significant consequences of improper or missing coverages. Insurance is about saving your client from ruin!

More from Academy Journal Blog

Source: Insurance Journal

60 Quotes that Will Change the Way You Think


In your quiet moments, what do you think about?  How far you’ve come, or how far you have to go?  Your strengths, or your weaknesses?  The best that might happen, or the worst that might come to be?  In your quiet moments, pay attention to your thoughts.  Because maybe, just maybe, the only thing that needs to shift in order for you to experience more happiness, more love, and more vitality, is your way of thinking.

Here are 60 thought-provoking quotes and life lessons gathered from our book and our blog archive that will help you adjust your way of thinking.

  1. You cannot change what you refuse to confront.
  2. Sometimes good things fall apart so better things can fall together.
  3. Don’t think of cost.  Think of value.
  4. Sometimes you need to distance yourself to see things clearly.
  5. Too many people buy things they don’t need with money they don’t have to impress people they don’t know.  Read Rich Dad, Poor Dad.
  6. No matter how many mistakes you make or how slow you progress, you are still way ahead of everyone who isn’t trying.
  7. If a person wants to be a part of your life, they will make an obvious effort to do so.  Think twice before reserving a space in your heart for people who do not make an effort to stay.
  8. Making one person smile can change the world – maybe not the whole world, but their world.
  9. Saying someone is ugly doesn’t make you any prettier.
  10. The only normal people you know are the ones you don’t know very well.
  11. Life is 10% of what happens to you and 90% of how you react to it.
  12. The most painful thing is losing yourself in the process of loving someone too much, and forgetting that you are special too.
  13. It’s better to be alone than to be in bad company.
  14. As we grow up, we realize it becomes less important to have more friends and more important to have real ones.
  15. Making a hundred friends is not a miracle.  The miracle is to make a single friend who will stand by your side even when hundreds are against you.
  16. Giving up doesn’t always mean you’re weak, sometimes it means you are strong enough and smart enough to let go and move on.
  17. Don’t say you don’t have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, Albert Einstein, etc…
  18. If you really want to do something, you’ll find a way. If you don’t, you’ll find an excuse.
  19. Don’t choose the one who is beautiful to the world; choose the one who makes your world beautiful.
  20. Falling in love is not a choice.  To stay in love is.
  21. True love isn’t about being inseparable; it’s about two people being true to each other even when they are separated.
  22. While you’re busy looking for the perfect person, you’ll probably miss the imperfect person who could make you perfectly happy.
  23. Never do something permanently foolish just because you are temporarily upset.
  24. You can learn great things from your mistakes when you aren’t busy denying them.  Read The 7 Habits of Highly Effective People.
  25. In life, if you don’t risk anything, you risk everything.
  26. When you stop chasing the wrong things you give the right things a chance to catch you.
  27. Every single thing that has ever happened in your life is preparing you for a moment that is yet to come.
  28. There isn’t anything noble about being superior to another person.  True nobility is in being superior to the person you once were.
  29. Trying to be someone else is a waste of the person you are.
  30. You will never become who you want to be if you keep blaming everyone else for who you are now.
  31. People are more what they hide than what they show.
  32. Sometimes people don’t notice the things others do for them until they stop doing them.
  33. Don’t listen to what people say, watch what they do.
  34. Being alone does not mean you are lonely, and being lonely does not mean you are alone.
  35. Love is not about sex, going on fancy dates, or showing off.  It’s about being with a person who makes you happy in a way nobody else can.
  36. Anyone can come into your life and say how much they love you.  It takes someone really special to stay in your life and show how much they love you.
  37. Burn the candles, use the nice sheets, wear the fancy lingerie.  Don’t save it for a special occasion; today is special.
  38. Love and appreciate your parents.  We are often so busy growing up, we forget they are also growing old.
  39. When you have to start compromising yourself and your morals for the people around you, it’s probably time to change the people around you.
  40. Learn to love yourself first, instead of loving the idea of other people loving you.
  41. When someone tells you, “You’ve changed,” it might simply be because you’ve stopped living your life their way.
  42. Someone else doesn’t have to be wrong for you to be right.
  43. Be happy.  Be yourself.  If others don’t like it, then let them be.  Happiness is a choice.  Life isn’t about pleasing everybody.
  44. When you’re up, your friends know who you are.  When you’re down, you know who your friends are.
  45. Don’t look for someone who will solve all your problems; look for someone who will face them with you.
  46. If you expect the world to be fair with you because you are fair, you’re fooling yourself. That’s like expecting the lion not to eat you because you didn’t eat him.
  47. No matter how good or bad you have it, wake up each day thankful for your life.  Someone somewhere else is desperately fighting for theirs.
  48. The smallest act of kindness is worth more than the grandest intention.
  49. Many people are so poor because the only thing they have is money.
  50. Learn to appreciate the things you have before time forces you appreciate the things you once had.
  51. When you choose to see the good in others, you end up finding the good in yourself.
  52. You don’t drown by falling in the water.  You drown by staying there.
  53. It’s better to know and be disappointed than to never know and always wonder.
  54. There are things that we don’t want to happen but have to accept, things we don’t want to know but have to learn, and people we can’t live without but have to let go.
  55. Happiness is not determined by what’s happening around you, but rather what’s happening inside you.  Most people depend on others to gain happiness, but the truth is, it always comes from within.
  56. If you tell the truth, it becomes a part of your past.  If you lie, it becomes a part of your future.
  57. What you do every day matters more than what you do every once in a while.  Read The Power of Habit.
  58. You can’t start the next chapter of your life if you keep re-reading your last one.
  59. Things turn out best for people who make the best out of the way things turn out.
  60. If you don’t like something, change it.  If you can’t change it, change the way you think about it.


It’s time to change the clocks: Here are eight ways to avoid losing sleep this weekend

It’s time to change the clocks: Here are eight ways to avoid losing sleep this weekend

This year, Daylight Saving Time begins on Sunday, March 13, 2016

The time change officially takes place at 2 a.m., but you don’t have to spring out of bed and move the big hand on your clock ahead an hour. The change is automatic for most smartphones, computers, tablets and other digital devices.:)

“Some people have difficulty adapting to the one-hour change,” says Dr. Clete A. Kushida, medical director of the Stanford Sleep Medicine Center. “Sleep deprivation can affect attention and vigilance, learning and memory.”

It can also affect your health. Dr. Alon Yosefian Avidan, director of the UCLA Sleep Disorders Center, says “recent data shows that the rate of heart attacks spike during the first Monday after daylight saving time.” Car accidents and injuries can increase as well, he added.

Here are their eight tips for navigating the time changes that come twice a year:

1. Anticipate the shift. Try going to bed earlier for one to two nights ahead of the time change.

2. Load up on Zzzzs. You don’t want to be sleep-deprived ahead of these time shifts. Getting seven to eight hours of sound sleep a night ahead of the change will make for a smooth transition.

3. Skip the alcohol and caffeine. These substances will just lead to fragmented sleep.

4. Use sunlight to your advantage. Pull back the curtains and get lots of the sunshine in the morning, and you’re more likely to feel alert during the day and sleepy at nightfall.

5. Conversely, limit bright light exposure at night. Why? It will disrupt your sleep. This means no computers, TV, and tablets, at least, two hours before bedtime.

6. Avoid long naps. A brief power nap is OK. But anything longer will disrupt your sleep and delay the transition to the new schedule.

7. Make your bedroom a haven for sleep. Keep your bedroom dark, quiet, well-ventilated and at a comfortable, slightly cooler temperature throughout the night.

8. Create a relaxing bedtime routine. Read a relaxing book; listen to soothing music.

Source: LA Times

Edited by ^pm

Generation Y is hard-working, budget-conscious and stressed according to its own members. How you can appeal to them

Read more

Thought-provoking prose to consider during your next coffee break

Source: Ziglar Vault

We all need a little pick-me-up during the day, so grab a coffee and enjoy these 12 pieces of thought-provoking prose for pros from Bryan Flanagan’s More Encouragement for the Sales Professional.

1) Keep trying“The only time you can’t afford to fail is the last time you try!”

2) Rely on friends

“The best mirror is a friend’s eye.”

3) Open your hands

“You cannot climb the ladder of success with your hands in your pockets.”

4) Don’t be a fool

“A fool and his money are soon parted. But, how did they get together in the first place?”

5) Be strong

“Don’t pray for lighter burdens, pray for stronger backs.”

6) Go the extra mile

“There is no traffic jam on the extra mile.”

7) First fail, then win

“Failure is the foundation of success.”8) Believe!“When selling yourself, remember to believe in your product!”9) Be kind
“Kindness is one thing you can never give away – it always comes back.”

10) Remain faithful

“If your day is hemmed with prayer, it is less likely to unravel.”

11) Remember your emotions

“Selling is nothing more than a ’transference of feeling’ in the back of your mind.”

12) You ARE talented

“Use the talents you have. The woods would be very quiet if no birds sang except those that sang best!”

Now use these to get back out there, stay motivated and be the best you can be!

RBC announces 25 Black History Month Student Essay Competition scholarship winners

As the cost of tuition continues to rise, scholarships are helping students to offset some of those costs. Feb 4, 2016, 25 deserving high school students were awarded scholarships from RBC for their essays on how black Canadians have helped to define our country’s diverse heritage and identity. The winning submissions were chosen from a record-number of entries from across Canada, including the three top scholarship winners:

$5,000: Kikachukwu Otonio, Colonel By Secondary School (Ottawa, ON), who wrote about the seemingly insurmountable boundaries broken down by writer Mary Ann Shadd Cary.

$2,500Jillian Conrad, Auburn Drive High School (Dartmouth, NS), who focused on Shauntay Grant and the power of storytelling.

$1,500: Jarvis Bernard, Auburn Drive High School (Dartmouth, NS), who wrote about strong black women who have inspired many throughout history.

Winners were selected by a panel of esteemed community leaders, including former Lieutenant-Governor of Nova Scotia, the Hon.Mayann Francis.

“The research done by the students reveals the important contributions made by African Canadians to Canadian society,” says Francis, the first African Nova Scotian and the second woman to serve as Lieutenant-Governor of Nova Scotia. “They told the stories of these Canadians with great conviction and pride. Inspired by the role African Canadians played in shaping our shared history, the strength of each essay revealed hope and aspirations for their own future. It was a pleasure reading how these notable Canadians impactedCanada’s history and now the lives of these students.”

Other winners, each receiving a $500 scholarship from the RBC Foundation, are:

  • Laura Baggs, Holy Heart of Mary High School (St. John’s, NL)
  • Rahul Balasundaram, L’Amoreaux Collegiate Institute (Toronto, ON)
  • Cassidy Bradley, West High School (Halifax, NS)
  • Alisha Burney, Centennial High School (Calgary, AB)
  • Sarina de Havelyn, Dover Bay Secondary School (Nanaimo, BC)
  • Bianca Demelo, St. Joan of Arc High School (Whitby, ON)
  • Alanna Doyle, Sinclair Secondary School (Whitby, ON)
  • Josiah Fuller, Woodland Christian High School (Kitchener, ON)
  • Lillian Green, Father John Redmond Catholic Secondary School (Toronto, ON)
  • Jabril Jire, Kitchener Waterloo Collegiate and Vocational School (Kitchener, ON)
  • Tina Madani Kia , Port Moody Secondary School (Coquitlam, BC)
  • Manveer Kalirai, Iroquois Ridge School (Oakville, ON)
  • Caroline Mallity, Ecole Secondaire Catholique Embrun (Embrum, ON)
  • Brandi Medley, Auburn Drive High School (Dartmouth, NS)
  • Fogofoluun Oriowo, Cameron Heights Collegiate Institute (Waterloo, ON)
  • Lauren Patrick, Emily Carr Secondary School (Woodbridge, ON)
  • Safeyyah Raji, Craig Kielburger Secondary School (Milton, ON)
  • Aneesh Sridhar, Glenforest Secondary School (Mississauga, ON)
  • Janis Tatavarthy, Trenton High School (Trenton, ON)
  • Taliya Wolfe, Pacific Academy (Surrey, BC)
  • Nada Yakubu, Bramalea Secondary School (Brampton, ON)
  • Sophie Zhao, Sir Winston Churchill High School (Calgary, AB)


Starting today, you can read all of the winning essays at

RBC’s scholarship programs are part of our RBC Kid’s Pledge, our five year, $100 million commitment to kids and youth.


Royal Bank of Canada is Canada’s largest bank, and one of the largest banks in the world, based on market capitalization. We are one of North America’s leading diversified financial services companies, and provide personal and commercial banking, wealth management, insurance, investor services and capital markets products and services on a global basis. We employ approximately 81,000 full- and part-time employees who serve more than 16 million personal, business, public sector and institutional clients through offices in Canada, the U.S. and 37 other countries. For more information, please visit‎

RBC helps communities prosper, supporting a broad range of community initiatives through donations, sponsorships and employee volunteer activities. In 2015, we contributed more than $100 million to causes around the world.

SOURCE RBC Royal Bank – Public Affairs & Community Relations

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