What Are Long Term Care Insurance Leads and Can They Benefit Your Business?

Long term care insurance leads offer great potential to any insurance agent. If you aren't familiar with these types of leads, it is best you familiarize yourself with them first. Then you can begin to take advantage of their potential through quality long term care insurance leads. This is a segment of insuring that can prove quite lucrative for a savvy agent.

Long term care insurance is gaining popularity as the cost of medical care skyrockets. Most young people don't realize its importance, but even they are beginning to see it as useful. The fact is, if you are in an accident, regardless of your age, you might be unable to work or care for yourself. This is when long term care is necessary. Indeed, anyone could benefit from it and not having it could put you in financial ruins. For these reasons, selling LTC insurance is easier than you might think, especially if you start with quality insurance leads.

Although it is possible to talk anyone into a sale, it is much easier to sell a policy to someone who has demonstrated interest in a potential policy. This is where long term insurance leads come in. By using leads you gain a significant advantage. You already know the lead is interested in learning more about long term insurance, and this increases the likelihood of a policy purchase substantially. Today there are many companies that specializing in collecting lists of potential leads for a variety of different types of insurance. Purchasing leads is a quick way to increase your business, but it isn't the only way.

Just like companies that specialize in providing long term care insurance leads, you too can collect your own leads. A great way to do this is to have an opt-in section on your website that allows interested visitors to request more information. Often a person interested in long term care policies will be willing to fill out information about themselves in an effort to learn the rates they qualify for. By creating forms with relevant questions, you can start getting your own leads, and collecting pertinent information on these leads that could help you close the deal.

Once you understand a little about LTC insurance and feel confident you can answer any questions that might arise, then you are ready to start selling policies. Whether you decide to purchase leads from a company specializing in their collection and sale, or you decide to collect your own long term care leads; taking advantage of quality leads will increase your sales dramatically. It is so much easier to sell a product to someone when you already know they are interested in buying it. So take advantage of insurance leads to get your business booming.

Marketing Your Bed and Breakfast - 5 Steps To Creating A Great Newsletter

1. Know Your Guests Really Well

The secret of success for any marketing campaign is to know who you are talking to, what they want from your product and service and how you can best go about meeting their needs.Once you know the customer you can write great copy, which looks like you have been reading your mind. The same is true for a B&B and for writing your B&B newsletter. Once you know what your B&B guest wants from a stay in your area and what they want from your B&B you can write a newsletter that has them wondering why they ever considered staying anywhere else.

So when you have guests to stay you need to be running an ongoing research campaign. Find out what it is your guests like about your B&B, what they like about the area, what they are doing whilst they are staying with you. Do they like to walk? How long do they walk for? What are the best walks they've done? Are they looking for dog friendly walks? Do they prefer walks with a pub? Are they fair weather walkers? If so what do they do when the weather is poor?

2. Identify What Will Make Them Come Back To Stay With You

Many guests will visit a B&B because they want to visit a particular area. Once they have ticked that area off their list of things to do, they feel they have done it all and there's no need for them return.

It is the job of your newsletter to show them there is so much more to do than they first imagined. Tell them about all of the things they missed on their first visit. If they came in spring - look at all the things they could be doing in the Autumn. Describe the wonderful things that are happening in the current season - lambs in the field next door in spring, mellow mists and autumn colours, clear crisp walking days in winter, chilling out in the hammock with a cold beer in the summer.

3. Make It Easy For Your Guests

My experience of B&B guests is that they like to be given suggestions for things to do. So put together some itineraries, some suggestions for day trips. Give them some ideas about distances and travelling times, suggest places to eat on the way. Combine days out - we have a Kite Feeding station 45 minuted from us and it's perfect combined with a drive round the beautiful Elan Valley, a short walk, then tea in the local town.

4. Tell Then What's New

Your guests may have loved your B&B but there may have been one little thing that has stopped the going back. Maybe it was that you did not have WiFi access which you have now installed. Or you have put in freeview tv in the rooms. Let your guests know what improvements and changes you have made - you may be surprised at who returns!

5. Keep Them Updated About Local Events

Many guests like to do something different when they're away, so make sure your guests are kept informed about all of the latest Events. Tell them about craft or produce fayres, food festivals, carnivals, local guided walks.

How Do We Ensure Food Security?

Food security is a complex issue and there are arguments in favour of both market and regulatory mechanisms to ensure access, availability and affordability for all. Policy in developed countries has historically centred on issues such as self-sufficiency and support of home production. Whilst this has resulted in food availability, it has not focused on affordability especially where these policies have been financed by general taxation. Indeed individuals vary greatly in their ability to make autonomous decisions with regard to food and nutritional choices.

Globalization of food supply chains has provided benefits in terms of increased calories per capita, but it has not addressed nutritional security. It could be argued that malnutrition in terms of both under and over-nutrition has shown an alarming positive correlation, if not actual cause and effect, with increased food availability in terms of calories per capita. There is a recognized nutritional transition in developed and developing countries towards a more sedentary lifestyle and a change in diet towards animal source foods and this transition will impact on natural resource availability in terms of land requirements and water use.

Nutritional food security needs to address the following:

o the development of water policy and/or virtual water trade especially for countries that lack the national ability to provide for their population needs in terms of both food and nutritional security;

o the impact of global supply chains on malnutrition i.e. both under and over-nutrition;

o the factors that impact on personal and group autonomy including low income, low education, family eating habits, knowledge or access to health and nutritional information and availability of food options; and

o the reduction of food waste at household and supply chain levels. As the human population continues to rise this will provide an increasing challenge to policy makers, governments and food supply chains as they seek to meet both nutritional and calorific needs.

The Wheelchair User's Work Environment

It's refreshing to see on television the recurring theme of able-bodied persons looking klutzy compared to an agile wheelchair-bound person. Where once society wanted to avoid anyone in a wheelchair among his social circles, today's climate is much more accepting of wheelchairs. Thanks to disability laws and organizations, wheelchair ramps and other wheelchair accesses are commonplace in our workplaces, shopping centers, schools, and so on.

Have you ever had to use crutches for a while due to a sprained ankle or a broken toe? It is difficult to get around your work area on crutches; imagine what it might be like if you were in a wheelchair. Most work areas are now compliant with the latest regulations and have the necessary workstations in place to accommodate a worker in a wheelchair. All aspects of the office space need to be considered, from desk height, doorway width, flooring material, to hallway width and cubicle size.

Below are a few specific conditions that make wheelchair access better at work:

* Workstations should be near the main entrance and along the end of a row so that the navigator doesn't have to repeatedly go through crowded halls.

* A desk height and width for wheelchair users should have clearance of at least 32 inches. Motorized wheelchairs require more room.

* Allow room inside a workstation or cubical for the wheelchair to back up and turn and move side to side. If anyone must work behind the wheelchair, allow that worker to sit at least 60 inches behind.

* Doors should be at least 36 inches in width. The average wheelchair is about 30 inches wide and hands that rest on the arms need to clear the doorway as well.

* Corridors, aisles and other pathways should not be narrower than 48 inches to allow both a moving person and a wheelchair to pass by without hitting each other.

* Think about the location and height of public phones. Many public pay phones are installed too high for a person sitting in a wheelchair to reach.

* Another detail often overlooked is the height of a drinking fountain. Many are set too high.

* Restroom stalls need to adhere to wheelchair accessibility laws as well.

Most workplace and building guidelines must adhere to federal and state laws. The Uniform Federal Accessibility Standard and the Disabled Access Regulations set many workplace rules. The Uniform Federal Accessibility Standards provides exact dimensions and codes regarding several alterations and provisions that must be present in public accessible sites and the workplace (http://www.access-board.gov/ufas/ufas-html/ufas.htm). Several federal discrimination laws are set up to protect wheelchair users from discrimination or harassment.

In addition to physical arrangement to accommodate wheelchair access in the workplace, employers and co-workers can remember the following tips:

* Suggest that co-workers sit eye-to-eye when meeting with a person in a wheelchair.

* Remember not to lean on or hold onto the wheelchair.

* Know that it's okay to talk about active sports.

Federal regulations have made the workplace accessible for those in a wheelchair. Now everyone who requires access can achieve it.