USAA: Lessons Learned & Innovative Collaboration. Jack M Antonini
|
|
- Alexia Floyd
- 6 years ago
- Views:
Transcription
1 USAA: Lessons Learned & Innovative Collaboration Jack M Antonini
2 Overview Key Lessons Learned Decide what is most important & communicate it Key Result Areas Member Service Listen to your Members/Customers and Employees Leverage Information you already have Life Event Marketing Focus on Cross-Selling more products to existing members
3 Overview Innovative Collaboration Members are your best asset Simply customers to banks, from which they earn profits Bank reputations have suffered CUs are highest regarded! Leverage Membership Deliver added value through CU industry collaboration Negotiate better service & rates for entire group Work together to meet Life Event needs
4 Overview Listen, Learn & Improve Listen to your members Learn from mistakes / problems Conduct Member Forums or Focus Groups Invite feedback Think about it from your member s perspective What does your member experience when How would you like to be treated How can you make it: Faster, Easier, Lower Cost End Result & Why It Worked at USAA
5 USAA Incredible Record of Achievement 94% of USAA Members plan to be Lifelong Members Only P&C Insurer to have highest ratings from all three rating agencies 24% operating expense ratio vs. industry avg. of 40% Unparalleled Service & Value Ranked # Customer Service Hall of Fame Highest scores from JD Power Best Bank in America Money Magazine
6 USAA Historical Perspective What McD built $200 million P&C Ins. Co. with small new Life Ins. Co. Most successful integrated financial services co in US $30 billion in assets Highest Ratings (from Moodys, S&P and AM Best) Highest Customer Service Satisfaction Awards & Recognition Best Company to Work For in America Best Bank in America One of 20 Best of the Best in Customer Service
7 USAA Historical Perspective Significant Insights under McD Life Events Golden Rule Service Strategic Preparation o Vision 2000 in 1985 o Technology ATG, Image, Customer Convenient and Operator Efficient Think about everything from a member s perspective Processes don t pave the cow path Contracts/Forms simplify, pre-fill info already known Ask your customers really listen to what they say
8 USAA Developing A Vision for the Future Key Considerations: Owned by members Provide products & services members want/need Only offer products & services that Add Value Key Result Area priorities Synergies within USAA Strengthen relationship with member Started by Asking Members Commitment to Outstanding Service Criteria applied to all strategic opportunities
9 USAA Building A Customer Focused Co. Leadership Culture Training Test & Learn Listen to your customers/members Respond to problems quickly, with compassion Recognize Service Heroes
10 USAA Key Result Areas 1. Service treat customers the way you d like to be treated and employees the way you want them to treat your customers/members 2. Financial Strength 3. Increasing Product Value 4. Infrastructure Improvements 5. Growth
11 Key Lessons Learned Decide what is most important & communicate it Simple, consistent message Culture All Employees should be able to tell you what it is Key Result Areas simplify the message & empower staff Walk the Talk Golden Rule Service / Leadership Safety net for employees empowers Golden Rule Service Recognition makes a difference Service Heroes Perpetuate legendary service stories
12 Key Lessons Learned Listen to your Members/Customers & Employees Letters/Calls from Members Employee Recognition Opportunities Presidential Complaint Letters/Calls Every Leader listens to Member Calls Performance Evaluation Questionnaires Every transaction with Alliance Partners Statistically valid sample of all types of trans/accounts Annual Member Survey When Something Goes Wrong, Find Solutions, NOT Someone to Blame
13 Key Lessons Learned Leverage Information you already have Mortgage App tremendous snapshot of member s financial life Insurance Info helpful data for refinancing, etc. Membership Info members will share more info with financial institution they can trust Survey Info annual survey can be rich source of data Financial Planning valued service, great source of leads for products & services
14 Life Event Marketing Life Events drive customer actions/decisions Life Event examples: Home Purchase / Move Vehicle Acquisition Change in Career Birth/Adoption of a child or grandchild Be your member s Trusted Advisor Leverage member relationships to provide benefits
15 Life Event Marketing What is a Life Event? An event that creates a financial need in the member s life Important to the customer Can be big or small Can be one-time, or recurring Includes preparing for, going through and often, recovery after the life event May have multiple audiences College Event (Student, Parents, Grandparents)
16 Life Event Marketing Vehicle Acquisition Life Event Core Needs Vehicle Information Safety, reliability, cost to operate, etc Pricing Locating Negotiating Financing / Leasing Insuring Maintaining Vehicle Disposition Typically financial institution only touches financing
17 Life Event Marketing Home / Move Event Core Needs Locating Buying / renting Selling Financing Moving / Storage Saving for Insuring Realtor often directs where mortgage is obtained Typical FI only offers mortgages and equity lines
18 Life Event Marketing Life Event Strategy: Create innovative financial solutions to meet members life event needs Develop a robust suite of financial solutions by creating, bundling, acquiring or partnering Leverage the buying power of your members, negotiating value, discounts and a quality of service they could not get on their own Compete on product features, service, access and price to build and retain profitable member relationships Our members will prefer doing business with us because we know them better, offer unmatched value and meet their life event needs better than any other financial institution
19 Life Event Service USAA s preparation for Operation Desert Storm Death Event the ultimate life event One call to handle all products Compassionate, timely response Allowed members to increase Life Insurance while other life co s invoked war clause terminating coverage for national guard & reservists called to active duty Advised members and their families Member response / appreciation
20 Key Lessons Learned Focus on Cross-Selling Products to Members Increase Member Retention Profitability Satisfaction Decrease your Cost per new account Credit Losses Operating Expenses
21 Key Lessons Learned Utilize Member/Customer Information Share Common Data Elements Simple, efficient address change Knowledgeable employees = effective & efficient service Multiple Sources of Data Loan / Mortgage Applications Financial Planning Assistance Insurance Products Customer Propensities help predict Life Event Needs More cost effective marketing Offer right product or service at the right time
22 Key Lessons Learned Trusted Advisor Unique Ability to Serve Your Members Information & Education Focus Examples/ideas: Credit Union Magazine Online Mail Statement Inserts Credit Union Foundation unbiased source of info Great Source of Cross-Selling Opportunities
23 Innovative Collaboration Collaboratively Work Together the power of several credit unions working together for the benefit of their respective members is powerful and can generate a meaningful competitive advantage Members are your best asset Leverage Membership Work together to meet Life Event needs
24 Innovative Collaboration Members are your best asset Simply customers to banks source of profits Big bank Reputations have suffered Credit Union s are highest regarded! Banks are charging customers more than ever Bank customers are angry tremendous opportunity to win new members CU Members are more loyal trust their CU Will consider additional products & services from Trusted Advisor
25 Innovative Collaboration Leverage Membership Negotiate better service & rates Combined power of several credit unions can be substantial You have what every business wants customers and they are willing to pay to access them Select the best service providers hold them to high standards for your members Ensure best value for members Provide complimentary Live Event services that members need
26 Innovative Collaboration Work together to meet Live Event needs Partner with insurance company Insure collateral cars, homes, boats Direct P&C underwriters Find best realtors Referral Fee Establish Service parameters Moving & Storage and Maintenance & Repair Negotiate Auto Pricing / Locating & Buying Service Saving for Retirement / College / new Home
27 Innovative Collaboration Home Life Event Opportunities Home Event Needs Consumer Information Improving Buying/ Selling Maintaining Financing/ Refinancing Insuring Securing Moving/ Storing
28 Innovative Collaboration Vehicle Purchase Life Event Opportunities Auto Event Needs Consumer Information Vehicle Disposition Pricing Maintaining Locating Insuring Negotiating Financing/ Leasing
29 Innovative Collaboration Managing Money Live Event Opportunities Managing Money Needs Consumer Information Saving/ Investing Purchasing Planning $ Accessing Transferring Financing Bill Paying
30 Listen, Learn & Improve Ask your members and employees what you can do better Top Ten List Listen to your Members Complaint Calls & Letters Fix the problem so it isn t repeated Think about it from a Member s perspective Survey your Members Share what you learn with your team
31 Listen, Learn & Improve Think about it from your member s perspective What s the experience when a member Visits your office/branch Calls Goes online How would you like to be treated? How can you make it Faster Easier Lower cost Leverage Info you already have about Member
32 Listen, Learn & Improve Survey your Members Product & Service specific questions Structure questions so you learn actionable results Provide open-ended response space Consistent from year to year measure improvement Survey every member transaction with Life Event alliance partners Set Goal: 95% would recommend product or service to another member or member of their family
33 End Result & Why It Worked at USAA Unwavering Focus on Serving the Members Recognition of the Golden Rule how you treat your employees is how they will treat the customer Culture that Empowers employees to delight the customer Rewards Innovation Promotes early recognition of & solutions to problems Encourages open & extensive communication Facilitates & Rewards Self-Improvement
34 End Result & Why It Worked at USAA Key Result Area focus in every decision 1. Service 2. Financial Strength & Profitability 3. Product Value 4. Infrastructure 5. Growth Financial Discipline
35 End Result & Why It Worked at USAA Concentration on Continuous Improvement & Leading Change Technology Processes Competitive Advantage Product Value Customer Ease of Access / Use Customer Convenient and Operator Efficient
36 End Result & Why It Worked at USAA Commitment to Strategic & Operational Planning BHAGs Formal, annual process Test & Learn Validate Assumptions & Goals Implementation, within budget, on time Evaluate Results
37 For Questions or Help Contact Jack Antonini at: Phone: (713)
How to Attract & Grow Relationships with Members
How to Attract & Grow Relationships with Members NACUSO Annual Conference May 9, 2011 Jack M Antonini President & CEO NACUSO Former CEO USAA FSB Keith L Myers SVP Payment Alliance Intl. Former SVP USAA
More informationHow we can help you to grow your business
An Agent Guide to the AIG Advantage How we can help you to grow your business Start WELCOME VISION PRODUCTS Welcome Bring on Partnership We can help you to grow your business. At AIG, we take these words
More informationIncrease career awareness Build the pipeline Foster retention and development in the career Improve and strengthen the organization
2 0 1 7 S T R AT E G I C I N I T I AT I V E S INTRODUCTION Over the past few years, we have focused on a long-term strategic plan that was carefully carved out to help us live up to the mission of our
More informationHow to Strategically Manage Your Debt
Debt. Funny how four little letters can feel so dirty. Most of us have it in one shape or another, but none of us like to talk about it. Debt can get us into trouble, especially if it is unplanned and
More informationPrivate Money Lenders Show Real Estate Several Ways to Make Money! By Ryan G. Wright
Private Money Lenders Show Real Estate Several Ways to Make Money! By Ryan G. Wright 2011 Ryan G. Wright. All Rights Reserved Version One No part of this publication may be reproduced or copied, stored
More informationTHE EMPLOYEE EDUCATION SOLUTION
THE EMPLOYEE EDUCATION SOLUTION A Comprehensive Overview of Tools and Resources WORKSITE FINANCIAL SOLUTIONS THE EMPLOYEE EDUCATION SOLUTION A Customized Financial Wellness Program for Your Employees CONTENTS
More informationMeasuring Customer Satisfaction in Mortgage: A White Paper
Measuring Customer Satisfaction in Mortgage: A White Paper Customer Relationship Measurement evolving as a new requirement The U.S. home finance industry was profoundly changed by the passage of the Dodd-Frank
More informationNon-recourse business funding with no personal guarantee required
1 Non-recourse business funding with no personal guarantee required A personal guarantee on a business loan means that you are personally responsible for the repayment of that money if the business fails
More informationAttract and keep the best people for your business
Executive bonus plan Plan sponsor guide Attract and keep the best people for your business NATIONWIDE BUSINESS SOLUTIONS GROUP Be sure to choose a strategy and product that are suitable for the long-term
More informationUBS Global Financial Services Conference
Todd Maclin, Chief Executive Officer Consumer & Business Banking May 8, 2012 UBS Global Financial Services Conference Consumer & Business Banking is a strong franchise today Strong profitability in a flat
More informationLending with a Purpose
Lending with a Purpose 7 Steps to Loaning Money to Family and Friends 2 Table of Contents Family and Friend Loans Risks and Rewards... 3 When it goes well... 3 When it goes bad... 3 A matter of trust...
More informationWhat you need to know about getting, using and keeping credit. A Guide to Credit* American Financial Services Association Education Foundation
A Guide to Credit* What you need to know about getting, American Financial Services Association Education Foundation www.afsaef.org www.gmacfs.com using and keeping credit *If you would like to receive
More informationc» BALANCE c» Financially Empowering You Credit Matters Podcast
Credit Matters Podcast [Music plays] Nikki: You re listening to Credit Matters. Hi. I m Nikki, your host for today s podcast. In today s world credit does matter. In fact, getting and using credit is part
More informationModule 3: Debt Lesson Part 1
Module 3: Debt Lesson Part 1 Module 3: Debt Lesson Part 1 The Debt Stuff No One is Talking About The Lesson Blueprint What is Debt? Type of Debt Credit Scores What is Debt? Debt is ANYTHING you owe to
More informationFinancial Foundations for Veterinarians
Financial Foundations for Veterinarians Name, title(s), designation(s) Name, title(s), designation(s) The Principal Financial Group A STRONG FOUNDATION Insurance issued by Principal National Life Insurance
More informationThe THREE GOLDEN KEYS OF SUCCESSFUL INVESTING. What the World s Best Investors Know and Aren t Telling
The THREE GOLDEN KEYS OF SUCCESSFUL INVESTING What the World s Best Investors Know and Aren t Telling The Three Golden Keys of Successful Investing What the World s Best Investors Know and Aren t Telling
More informationIncrease Your Agency s. Life, Annuities, Long Term Care, and Disability Income Sales
Increase Your Agency s Life, Annuities, Long Term Care, and Disability Income Sales Table of Contents Introduction... 01 Business Development... 09 My Personal Approach... 13 Concepts I Share With Clients...
More informationManaging Financial Risks
Managing Financial Risks Standard 5 The student will analyze the costs and benefits of saving and investing. Lesson Objectives Discuss the role of risk when saving and investing Personal Financial Literacy
More informationThe Tragedy of the Commons
S1 The Tragedy of the Commons S2 The Tragedy of the Commons The Tragedy of Local Government? Why This Framework? Makes finance everyone s business Everyone is involved in using resources, everyone needs
More informationMcCombs Knowledge To Go. January 12, 2015
McCombs Knowledge To Go January 12, 2015 Financial Overview for Young Alumni: Achieve Your Goals by Kelly Kamm, Ph.D. Finance Senior Lecturer, Department of Finance, McCombs My Background & Choices Ph.D.
More informationCopyright 2008, 2009 & 2009 by Modular Homes Network
Published and distributed by Modular Homes Network 3660 Nicklaus Drive, Clarkston, WA 99403 Phone: (888) 770-2830 Fax: (866) 401-1084 Email: info@modularhomesnetwork.com Website: www.modularhomesnetwork.com/
More informationMortgage Planning Questionnaire
Mortgage Planning Questionnaire Email: Home: Cell: Birthday: Current Address: 1. How would you like us to stay in contact with you? (Check all that apply) email phone fax mail cell phone 2. Is this a financing
More informationProducts & Services. Enabling our members to secure their financial future and realize their dreams.
Products & Services Enabling our members to secure their financial future and realize their dreams. MEMBERSHIP FedEx Employees Credit Association membership is available to employees and retirees of the
More informationInsurance Property. What sets us apart?
Insurance Property What sets us apart? 1 What makes Introduction us a great risk partner? 1 Client-focused 2 Easy to work with 2 Flexible approach 3 Global programs 4 Innovative risk management solutions
More informationBank of America/Merrill Lynch Insurance Conference Wednesday, February 24, 2010
Wednesday, Thomas J. Wilson Chairman, President and Chief Executive Officer The Allstate Corporation Safe Harbor This presentation contains forward-looking statements and information. Additional information
More informationNational Bank Financial Canadian Bank CEO Conference. April 9, Mr. Richard E. Waugh President, Scotiabank
National Bank Financial Canadian Bank CEO Conference April 9, 2003 Mr. Richard E. Waugh President, Scotiabank Note that accompanying slides can be found in the Investment Community Presentations section
More informationTHE COMMONWEALTH CHOICE A Partnership That Benefits You
THE COMMONWEALTH CHOICE A Partnership That Benefits You Because there are so many financial advisors out there, you re free to choose the one you believe is best suited to help you meet your objectives
More informationINS and OUTs of insurance
INS and OUTs of insurance What do other high school students know about insurance? We asked high school students about what they think about insurance. Insurance is something that will pay for medical
More information4-step guide to life insurance
TIAA-CREF Life Insurance Company 4-step guide to life insurance Our promise to help you protect what matters most At TIAA, we understand the need for life insurance our promise is to help you make the
More information12.2% FULL YEAR UNDERLYING ROE 1. CEO s Message 2016: ANOTHER STRONG YEAR NET INCOME 1 TOTAL SHAREHOLDER RETURN 2
CEO s Message We increased our dividend by 7% and completed five acquisitions and buy-ups in Asia and the U.S. during the year. Total Shareholder Return was 24% for the year, and 28% per annum compounded
More information1. Referrals 2. Earn your business as clients 3. We are expanding & need help
3 Reasons Why We Are Here Tonight: 1. Referrals 2. Earn your business as clients 3. We are expanding & need help Do you have someone right now who handles your current financial needs other than yourselves?
More informationPlug and Play: Enhancing The Customer Experience Through Smart Outsourcing. By Joanne Sammer
Plug and Play: Enhancing The Customer Experience Through Smart Outsourcing By Joanne Sammer Plug and Play: Enhancing The Customer Experience Through Smart Outsourcing by Joanne Sammer Insurers have traditionally
More informationSTART HERE. Small Business Retirement Plans. Prospecting Guide to. American National Insurance Company
American National Insurance Company START HERE Prospecting Guide to Small Business Retirement Plans 1 Getting Started Every business owner needs a plan for retirement. 2 WHY? They work hard to make their
More information2015 Full Year Results. TSB Banking Group plc
2015 Full Year Results TSB Banking Group plc 1 Summary TSB beats 2015 growth expectations and increases customer lending by 22%. 2015 s mortgage lending is a standout success, with 5.5 billion of mortgage
More informationYOU RE. WORTH MORE with. Your Guide to Financial Success
YOU RE WORTH MORE with Your Guide to Financial Success FOR EVERY DAY. FOR EVERY THING. Questions? Visit www.americu.org, stop by your local AmeriCU Financial Center, or call our Member Service Center at
More informationyourmoney a guide to managing your credit and debt Volume 6 Life After Debt
yourmoney a guide to managing your credit and debt Volume 6 Life After Debt Call InCharge Debt Solutions today at 1-877-544-9126 or contact us at www.incharge.org Life After Debt You can do it. A life
More informationPalmAgent Software. Owners Program Manual
PalmAgent Software Owners Program Manual Know the Numbers Since 1982 1 Table of Contents Buyers Programs... Quick Estimate... Conventional... 3 FHA... 9 VA... 11 Conventional /2nd... 12 Interest Only...
More informationFannie Mae National Housing Survey. July - September 2010 Quarterly Wave
Fannie Mae National Housing Survey July - ember 2010 Quarterly Wave Copyright 2010 by Fannie Mae Release Date: November 23, 2010 Consumer attitudes: measure current and track change Attitudinal Questions
More informationREDEFINING WEALTH MANAGEMENT
REDEFINING WEALTH MANAGEMENT SIMPLIFY YOUR FINANCIAL LIFE Wealth is always accompanied by complexity whether preserving assets in the face of volatile markets, leaving a legacy without subjecting heirs
More informationMarriage and Money. Nolan Keim, Peer Counselor & Dr. Sonya Lutter, CFP
Marriage and Money Nolan Keim, Peer Counselor & Dr. Sonya Lutter, CFP Love & money THE STATS #1 source of stress and fights >70% report stress over money >70% report fighting about money Only 50% talk
More informationKeller Williams Realty is ranked Highest Overall Satisfaction For Home Buyers Among National Full Service Real Estate Firms, Two Years in a Row!
Keller Williams Realty is ranked Highest Overall Satisfaction For Home Buyers Among National Full Service Real Estate Firms, Two Years in a Row! Keller Williams Realty received the highest numerical score
More informationMoney 101 Presenter s Guide
For College Students Money 101 Presenter s Guide A Crash Course in Better Money Management For College Students Getting Started The What s My Score Money 101 presentation features six topics that should
More informationAnnual Meetings Remarks May 3, Paul Mahon. President and CEO Great-West Lifeco Inc.
Annual Meetings Remarks May 3, 2018 Paul Mahon President and CEO Great-West Lifeco Inc. Paul Mahon President and CEO Great-West Lifeco Inc. Contents Overview 1 Financial performance highlights 1 Creating
More information20 Steps to Financial Health:
20 Steps to Financial Health: Achieving Lifelong Financial Fitness American Consumer Credit Counseling 130 Rumford Avenue Auburndale, MA 02466 1.800.769.3571 ConsumerCredit.com On behalf of American Consumer
More informationWhite Paper. Quicker Claims Processing: Your Highest Priority Reaching the next level in customer satisfaction
White Paper Quicker Claims Processing: Your Highest Priority Reaching the next level in customer satisfaction Contents New Information Challenges Help Create a Perfect Storm 02 New Policyholder Expectations
More informationGuide to Working with
Mutual of Omaha Insurance Company United of Omaha Life Insurance Company Companion Life Insurance Company Guide to Working with Headline Business Owners SUBHEAD 167456 Form No. For producer use only. Not
More informationCredit Guide. An introduction to credit and how it s used in your financial plan. Educators Credit Union. Shopper. Buyer. Planner. Spender.
Educators Credit Union Credit Guide An introduction to credit and how it s used in your financial plan. Shopper. Buyer. Planner. Spender. For the teacher in you. 262.886.5900 ecu.com Table of contents
More informationCredit Cards Are Not For Credit!
Starting At Zero Writing this website, responding to comments and emails, and participating in internet forums makes me a bit insulated to what s really going on out there sometimes. That s one reason
More informationWhat the Money-Wise Do with Their Tax Return
What the Money-Wise Do with Their Tax Return All of us look forward to our tax return. We think of it as extra money a gift. But it really isn t. It s your money that was withheld from you during the course
More informationMortgage Power An Asset in the Making
Mortgage Power An Asset in the Making By Lloyd J. Streisand Lloyd J. Streisand, Division Vice President & Senior Loan Officer, founded the Streisand Team at Sterling National Bank. Lloyd is a CPA. He and
More informationCredit Unions: Turning Strong Member Relationships into Market Share
Whitepaper Credit Unions: Turning Strong Member Relationships into Market Share Contents 1 Introduction 2 Getting Started 2 The Top 10 LOS Must-Haves for Credit Unions Built-in Compliance Tools Flexibility
More informationUnderstanding Debt Problems & Solutions
Understanding Debt Problems & Solutions The Debt Landscape 40% of Americans live on 110% of their income Total U.S. household debt = $11.2 trillion Finances are one of the top five causes of divorce Money
More informationYOU ARE NOT ALONE Hello, my name is <name> and I m <title>.
So I know why you re here: I bet you ve got some questions about your money: what to do with it, how to make the most of it and how to hopefully get more of it. You ve got questions and the good news is
More informationLife insurance can help you take care of your family s future. LIFE INSURANCE FOR WOMEN OVERVIEW IFS-A IFS-A077912
Life insurance can help you take care of your family s future. LIFE INSURANCE FOR WOMEN QUICK OVERVIEW QUOTES OVERVIEW IFS-A077912 IFS-A077912 YOU RE EVERYTHING TO THEM Taking care of your family is what
More informationAvoiding expensive, easy fixes
Avoiding expensive, easy fixes You have probably seen ads for checkcashing stores, payday loans, and rent-toown stores. You may be intrigued by the services they offer. But these short-term money fixes
More informationWell Being, Well Done
Well Being, Well Done A Project of the Sudden Money Institute Well Being: A profound state of being found at the intersection of Life and Money. You can have it before you have accumulated large amounts
More informationHelping your adult kids: How much is too much?
Previous issues New legislation is ending key claiming strategies. What you need to know now. > Read more Roth IRA Financial miscues? Tips to get back on track. Pension > Read more What to consider if
More informationDollars and Sense II: Our Interest in Interest, Managing Savings, and Debt
Dollars and Sense II: Our Interest in Interest, Managing Savings, and Debt Lesson 4 Borrowing On Time (Installment Loans) Instructions for Teachers Overview of Contents Lesson 4 contains three computer
More informationMoney Management Curriculum
Module 2: Loans and Credit Cards Money Management Curriculum Module 2: Loans and Credit Cards Project Team: Ruby Ward, Professor, Utah State University Trent Teegerstrom, Associate Director of Tribal Extension,
More informationBUILD WEALTH WITH BETTERINVESTING. Member resources, tools and support
BUILD WEALTH WITH BETTERINVESTING Member resources, tools and support Successful Investing Starts Here... As a nonprofit, volunteer-based, member-driven organization, BetterInvesting exists for one purpose:
More informationCreating an Insurance Aisle in the Store. NACUSO Spring 2009 Las Vegas, NV
Creating an Insurance Aisle in the Store NACUSO Spring 2009 Las Vegas, NV The Nation s Leader Presenter Jeffrey Chesky President & CEO - Insuritas Founder, BIS/Insuritas Experience Fleet, CU of New England
More informationInvestment DANA EQUITY STRATEGIES.
Investment DANA Advisors DANA EQUITY THE WISE CHOICE HERITAGE A strong family culture Since our founding in 1980, Dana has remained independent and Employee-owned. Our investment firm is built on trust,
More informationYour helpful life insurance guide: Starting your career
Your helpful life insurance guide: Starting your career As you start your career, there are some important things you should know about life insurance. At Amica Life, we believe helpfulness is what life
More informationFiduciary Lessons Learned from Scoundrels and Thieves
Fiduciary Lessons Learned from Scoundrels and Thieves YOUR GUIDE TO GLOBAL FIDUCIARY INSIGHTS Blaine F. Aikin, CEO & Rich Lynch, COO Fi360 Mission: To promote a culture of fiduciary responsibility and
More informationFHA Loans. First mortgage loans. Jumbo mortgage loans. Non-warrantable Condo Projects
FHA Loans Looking to buy a home or refinance with a low down payment? A loan backed by the Federal Housing Administration (FHA) may be the answer. At Northstar Funding, we understand the challenges facing
More informationThe Keating Group at Morgan Stanley. Everything Starts With A Plan
The Keating Group at Morgan Stanley Everything Starts With A Plan 899 Cassatt Rd Ste 100 Berwyn, PA 19312 610-408-1944 / MAIN 800-345-3050 / TOLL-FREE 610-408-1908 / FAX http://www.morganstanleyfa.com/
More informationpayment protection insurance: consumer questionnaire
our ref: By completing the PPI Questionnaire we will have all the information we need to assess your complaint. Don t worry if you can t remember all of the information, or you do not have any paperwork,
More informationService Contracts: How to efficiently process claims and maintain customer satisfaction
Service Contracts: How to efficiently process claims and maintain customer satisfaction Service Contracts: How to efficiently process claims and maintain customer satisfaction As a service department professional,
More informationPERSONAL LOANS. What type of personal loan is right for me?
PERSONAL LOANS What type of personal loan is right for me? PERSONAL LOANS If you are considering a personal loan, it must mean you are in the market for something special in your life like a new car or
More informationMike Phillips David Carra Dan Keehan Michael Sparkes MS Amlin
Real Estate A global leader MS Amlin is a leading insurer and reinsurer, and part of the global top-10 insurance group MS&AD. With a 300-year record and more than 2,400 people in 26 locations worldwide,
More informationProfit Growth Strategies By Brian Tracy
Profit Growth Strategies By Brian Tracy Getting the Money You Need Introduction Thought is the original source of all wealth, all success, all material gain, all great discoveries and inventions, and of
More informationThe steps to homeownership
Personal Banking Personal Banking Mortgage Mortgage The steps to homeownership A guide for first-time homebuyers Getting started. When you choose BMO Harris Bank for your mortgage, you ll get the resources
More informationClaims Education BUILT TO LAST TRAINING, TALK. Proven Training Applications for Claim Professionals
Proven Training Applications for Claim Professionals FALL 2018 Claims Education INTERNATIONAL INSURANCE INSTITUTE TRAINING, TALK In this issue we feature a story highlighting the important role customer
More informationCOMMUNICATIONS & ENGAGEMENT STRATEGY
COMMUNICATIONS & ENGAGEMENT STRATEGY 2018 Communications & engagement strategy Contents 1 Introduction to GMPF Who we are What we do What our core values are 2 The purpose of our strategy Why we have developed
More informationWhat is arguably the biggest mystery faced by anyone
CHAPTER 8 The Legend of Real-Estate Tax Strategies By Ronald A. Mermer, CPA, CGMA, CTC, CCPS What is arguably the biggest mystery faced by anyone looking to live a better life? It is the mystery of why
More informationNow+NEXT 2018 FIS PACE FINDINGS WHAT S. for Small-to-midsize Business Banking in the United States. fisglobal.com/pace
2018 FIS PACE FINDINGS Performance Against Customer Expectations (PACE) WHAT S Now+NEXT for Small-to-midsize Business Banking in the United States fisglobal.com/pace Small-to-midsize Business Banking in
More informationUnit 5: Personal Finance and Microeconomics
Due by the day before you take the exam. Additional copies will not be provided by the teacher but may be printed by the student. Unit 5: Personal Finance and Microeconomics LESSON ONE: Microeconomics
More informationWORKING TOGETHER TO BUILD STRONGER PORTFOLIOS
NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE WORKING TOGETHER TO BUILD STRONGER PORTFOLIOS Four ways J.P. Morgan helps solve your investment needs The path to a stronger portfolio starts here It takes
More informationPROJECT PRO$PER. The Basics of Building Wealth
PROJECT PRO$PER PRESENTS The Basics of Building Wealth Investing and Retirement Participant Guide www.projectprosper.org www.facebook.com/projectprosper Based on Wells Fargo's Hands on Banking The Hands
More informationMODULE 1 // SAVING HALL OF FAME: AGES 18+
MODULE 1 // SAVING HALL OF FAME: AGES 18+ MODULE 1 // FINANCIAL FOOTBALL PROGRAM Financial Football is an interactive game designed to acquaint students with the personal financial management issues they
More informationGenworth Financial. Keeping Our Promises /28/11
A Genworth Financial Keeping Our Promises 2nd Quarter 2011 48563 07/28/11 1871 1955 1974 Life of Virginia Fixed Life Insurance Long Term Care Insurance Our first insurance policy is sold by Life of Virginia
More informationSelling an Insurance Agency
Selling an Insurance Agency Financing for insurance professionals a complimentary whitepaper for agents and brokers How to get the right price from the right buyer As a wave of consolidation readies itself
More informationHOME FINANCING BASICS
HOME FINANCING BASICS PRESENTED TO: OMEGA PSI PHI FRATERNITY, INC. 2005 LEADERSHIP CONFERENCE PRESENTED BY: GRANT BUSINESS STRATEGIES, INC. Copyright 2005 by Grant mortgage services All rights reserved.
More informationMarriage and Money: How do we combine our finances? Powercat Financial Counseling
Marriage and Money: How do we combine our finances? Powercat Financial Counseling Communication is Key Attitudes and expectations of money Personality in regards to money Big Spender Saver Shopper Debtor
More informationFocus. Planning for or facing an important life change? Have you checked your beneficiaries lately? ON GE PAYROLL AND BENEFITS
2014 Focus ON GE PAYROLL AND BENEFITS Planning for or facing an important life change? Have you checked your beneficiaries lately? It s important for us to have the most up-to-date beneficiary information
More informationFINANCIAL FOUNDATIONS
FINANCIAL FOUNDATIONS A Financial Beginnings Financial Education Program CREDIT Presenter's Guide Presented by Our Mission Financial Beginnings empowers youth and adults to take control of their financial
More informationResponse to Comments Received from 2014 DICO Stakeholder Survey
to Comments Received from 2014 DICO Stakeholder Survey Comments Guidance and Information Materials Question 1: Overall, how effective do you think DICO s guidance and informative materials are? Survey
More informationNationwide YourLife Guaranteed Level Term. Client guide. Making it easier to protect what matters most in life.
Nationwide YourLife Guaranteed Level Term Client guide Making it easier to protect what matters most in life. Nationwide YourLife Guaranteed Level Term Life s complicated. Protecting it shouldn t be.
More informationDavid McKay Group Head, Canadian Banking
David McKay Group Head, Canadian Banking National Bank Financial 2009 Canadian Financial Services Conference March 31, 2009 Financial information is in Canadian dollars and is based on Canadian GAAP, unless
More informationLoans: Banks or credit unions can loan you money. You pay the money back a little at a time. They charge you interest for the loan.
Basic Banking Services and Checking Accounts Intermediate MATERIALS What Can a Bank Do for You? Lesson 1: Introduction to Banking Services Worksheet 1-1 page 1 Beginner & Low- What Can a Bank Do for You?
More informationAAA Signature Series Home Insurance Owner s Manual
1 AAA Signature Series Home Insurance Owner s Manual Grow Your Business and Reward Members Welcome to AAA Signature Series Home Insurance, a new way to provide members with personalized value and the protection
More informationLife Insurance Buyer s Guide
Contents What type of insurance should I buy? How much insurance should I buy? How long should my term life insurance last? How do I compare life insurance quotes? How do I compare quotes from difference
More informationPlan Sponsor Brochure
Plan Sponsor Brochure [LPL-Approved Advisor Logo] Dave Ramsey s SmartDollar program is not affiliated with LPL Financial. For Plan Sponsor Use Only - Not
More informationdear fellow shareholders,
2013 annual report dear fellow shareholders, 2013 was a landmark year for Umpqua Holdings. We celebrated Umpqua Bank s 60th anniversary and the investments and actions taken over the last few years delivered
More informationIntroducing XL Catlin Five ways we ll power your business.
Introducing XL Catlin Five ways we ll power your business. Separately, XL and Catlin were two strong, innovative companies. Together, we re even stronger. Contents Meet XL Catlin People to people Underwriting
More information2. To earn as much interest as possible, you should open a savings account that earns () interest Hide answers
1. Interest is? Hide answers A charge for lending money to a bank amount owed for borrowing money amount added into your savings when opening a n account a charge for accessing the money in your savings
More informationHow investors select advisors
How investors select advisors Advised investor insights Methodology Investable asset levels of surveyed investors Types of firms advising surveyed investors 83% Mass affluent ($100K < $1M) 16% High-net-worth
More informationHanover Marine. Build your business by helping builders protect theirs.
AG E N T M AT E R I A L Hanover Marine Build your business by helping builders protect theirs. HANOVER MARINE Helping builders and their agents build the future. The Hanover is more committed than ever
More informationManaging Retirement Doing the right thing by employees (and by the organisation)
Managing Retirement Doing the right thing by employees (and by the organisation) 1. Introduction This paper addresses the challenges facing organisations in managing retirement today and in the future.
More informationTranscript - The Money Drill: Why You Should Get Covered Before You Lose Your Military Life Insurance
Transcript - The Money Drill: Why You Should Get Covered Before You Lose Your Military Life Insurance JJ: Hi. This is The Money Drill, and I'm JJ Montanaro. With the help of some great guests, I'll help
More information