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  • InsuredMine Vs Agency Zoom: Where Each Excels for Insurance Professionals – InsuredMine CRM

    InsuredMine Vs Agency Zoom: Where Each Excels for Insurance Professionals – InsuredMine CRM

    Features

    InsuredMine

      Agency Zoom

    Integrations

    Multiple advanced Integrations.

    High-level Integrations with limited data fields.

    Easy to Use

    User-friendly interface designed for quick navigation and minimal learning curve.

    Simple and clean interface that emphasizes ease of use.

    Customization

    Highly customizable dashboards, workflows, and reports to fit specific agency needs.

    Limited workflow and automation options with minimal customization and editing capabilities.

    Pricing

    Provides a focused set of tools for sales, service, and marketing at a much more affordable price point, ensuring you get the maximum value for your investment.

    Three plans, more features in higher-priced plans.

    Support

    Provides 24/7 customer support via phone, email, and live chat, along with one-on-one training during onboarding.

    Provides robust customer support via email, phone, and live chat during business hours, with one-on-one training exclusively available on the highest-tier plan.

    Automation

    Features like automated email campaigns, workflow triggers, and task assignments.

    Automation focused on sales processes and customer follow-ups. Limited options in workflows and automation, lacking the ability to customize and edit them as needed.

    Mobile App

    Offers a comprehensive mobile app with full access to most features.

    Offers a mobile app that covers essential features like task management and customer communication.

    Lead Management

    Advanced lead management features including lead scoring, automated lead assignment, and nurturing leads.

    Strong focus on lead management with features like, new lead pipeline, automated lead distribution, follow-up reminders, and tracking.

    Policy Management

    Comprehensive policy management features with automated renewal reminders, policy tracking, and updates.

    Effective policy management tools including automated reminders and policy tracking.

    AMS Integration

    Integrates with a wide range of AMS platforms and other third-party tools.

    Simplifies integration with major AMS platforms like HawkSoft, NowCerts, and others.

    SMS Integration

    SMS texting built-in feature within the CRM.

    Agency Zoom offers SMS texting through a third-party integration.

  • Insuring the Uninsurable: How On-Demand Insurance Models are Closing the Coverage Gap – InsuredMine CRM

    Insuring the Uninsurable: How On-Demand Insurance Models are Closing the Coverage Gap – InsuredMine CRM

    Insurance has always been a tricky thing, hasn’t it? For some people and businesses, just trying to get basic coverage feels like an endless struggle. Maybe it’s because of a risky job or an unusual situation that makes them too “risky” in the eyes of traditional insurance agencies. But what are they supposed to do then? Go completely unprotected and just hope for the best. That just doesn’t seem right. Thankfully, a new breed of insurance disruptors is shaking things up with innovative on-demand models that are finally closing the coverage gap for the “uninsurables.”

    Rather than forcing a rigid, one-size-fits-all approach, these companies are tapping into new technologies to craft customized insurance packages for each consumer’s unique needs and risk profile. And get this some even let you pay as you go instead of heavy annual premiums. It’s like the insurance world is finally waking up and realizing that we’re not all cut from the same mold. Every person, every business, every situation is different. And now, your insurance can be just as unique as you are.

    So for all those drone pilots, gig workers, collectors, or anyone else who’s been denied or priced out of coverage before. Your safety net may have finally arrived thanks to the on-demand insurance revolution.

  • How APIs are Changing the Insurance Game – InsuredMine CRM

    How APIs are Changing the Insurance Game – InsuredMine CRM

    Can you imagine a world where your car could automatically adjust your insurance premium based on how safely you drive? Or what if your home insurance could send you alerts about potential risks and offer customized coverage options? These kinds of innovative services are becoming a reality thanks to insurtech,  the use of technology to revolutionize the insurance industry.

    At the center of this digital transformation lies efficient and effective tools called APIs. You might be thinking, “APIs? What are those and why do they matter?” Well, let’s break that down. Essentially, APIs act as messengers that allow different software systems to communicate and share data easily. In the context of insurance, they play a significant role in bridging the gap between insurance companies, technology providers, and consumers.

    Think of it this way, insurance companies have a wealth of data about their customers, policies, claims, and more. But to truly leverage that data and provide innovative services, they need to integrate it with data and technologies from other sources. That’s where APIs come into action. They enable insurance companies to connect with third-party providers, access external data sources, and incorporate cutting-edge technologies into their offerings.

    But that’s just the tip of the iceberg. APIs also play a crucial role in operations, automating processes, and enhancing the overall customer experience.

    The insurance industry has traditionally been a relatively slow-paced sector when it comes to adopting new technologies. However, the emergence of insurtech, which refers to the use of technology innovations in the insurance industry, has brought about significant changes. But today, the key driver of this transformation is the increasing importance of Application Programming Interfaces (APIs).

    APIs act as intermediaries that enable different software applications to communicate and exchange data with each other. In the context of insurtech, APIs play a significance in facilitating the integration of various systems, services, and data sources, enabling seamless collaboration and data exchange between insurance companies, third-party service providers, and customers.

  • Lost Opportunities: The True Cost of a Non-Compatible CRM in the Insurance Industry – InsuredMine CRM

    Lost Opportunities: The True Cost of a Non-Compatible CRM in the Insurance Industry – InsuredMine CRM

    One of the most significant drawbacks is the loss of productivity that ensues. When the CRM doesn’t communicate effectively with email clients, accounting software, or marketing automation tools, employees are forced to engage in redundant data entry across multiple platforms manually. This not only wastes valuable time but also increases the risk of errors, undermining data integrity. A  clunky and user-unfriendly CRM can hamper sales efforts, leading to missed opportunities and revenue leakage. Efficient lead tracking, prospect follow-up, and sales pipeline management become arduous tasks, hindering the ability to capitalize on potential sales. Consequently, the customer experience suffers due to the lack of a comprehensive, 360-degree view of the customer, which is essential for personalized engagement and responsiveness.

    Integrating a non-compatible CRM with existing systems often necessitates substantial investments in customization, API development, and external IT consultancy services. These implementation and integration costs can quickly escalate, diverting resources from more profitable endeavors. Moreover, training employees to navigate multiple disparate systems increases overhead costs and impedes adoption rates.

    Ultimately, the opportunity costs associated with attempting to force-fit incompatible systems can be substantial. The time, money, and effort invested in this pursuit could have been better allocated toward revenue-generating activities that drive business growth and profitability. A compatible, well-integrated CRM system not only mitigates these issues but also provides a solid return on investment by streamlining operations and enhancing customer relationships.

  • There’s a Generational Shift Underway With Financial Concerns – Life Happens

    There’s a Generational Shift Underway With Financial Concerns – Life Happens

    Most people are not immune to the worries of the wallet—big and small. From paying for monthly bills all the way to paying for long-term care and everything in between, people from Gen Z to Boomers told us what they are concerned about financially.

    Turns out, saving retirement is a key financial worry, with 44% of Americans expressing concern, according to the 2024 Insurance Barometer Study, from Life Happens and LIMRA. This has been true for every year since the study began in 2011.

    It’s Millennials’ Turn

    While there hasn’t been a major change retirement concern, what has shifted is who is worrying the most about a range of financial issues. This year, Millennials expressed the highest level of financial concern on nine of the 15 specific financial matters we asked them about. Just two years ago, Gen X was the most concerned on 14 of the 15. A generational shift is clearly underway.

    If we take a look at the key financial concerns across all generations, we see the gap between these two generations:

    Millennials vs Gen X

    Having enough money for retirement:                                                       54% vs 48%

    saving for an emergency fund:                                                                   45% vs 38%

    supporting myself if I couldn’t work due to a disabling illness/injury:   45% vs 39%

    paying for long-term care if I couldn’t care for myself:                            40% vs 37%

    paying for medical expenses in case of an illness/injury:                        40% vs 34%

    And yet, one of the things that can bring them financial peace of mind—life insurance—is something that fewer Millennials own (50%) than their older Gen X counterparts (55%). So why don’t Millennials have coverage? Well, 42% say it’s too expensive, but 46% overestimate the true cost by 5 times or more. And it’s not surprising they were so far off with on price, as almost half (47%) admit they used a wild guess or used a gut feeling to estimate the cost.

    There’s Coverage for That

    Additionally, some of their other concerns can be addressed by other types of insurance coverage. For example, disability insurance is there if you are unable to work due to a disabling illness or injury (a concern for 45% of Millennials), but only 19% of Millennials say they own it, and only 20% say they are very/extremely knowledgeable about.

    And this year’s Barometer Study also looked at combination products, specifically life insurance combined with long-term care. This type of coverage could allay concerns that Millennials have about both leaving their family in the lurch financially if they died (38%) and paying for long term care (40%).

    An easy solution is to explore info on these products: life insurance, disability insurance and long-term care, and then talk to an insurance professional who can help you find a solution in your budget. Plus, that conversation is at no cost and no obligation. If you don’t have an someone to work with, you can use our Agent Locator here.

     

     

     

     

     

  • Exploring the Realm of Form Control:Git and GitHub Preparing Session at PUSOE/PUSAT College

    Exploring the Realm of Form Control:Git and GitHub Preparing Session at PUSOE/PUSAT College

    git and github by nikhil gupta in puset college

    Within the fast-evolving scene of innovation, capability in adaptation control frameworks has ended up crucial for yearning designers and prepared experts alike. Recognizing this basic, PUSOE/PUSAT College is set to have a smart preparation session centered on Git and GitHub, two columns of cutting-edge computer program advancement. This event dives into the centrality of this preparation activity and what members can anticipate from this enhancing encounter. The event is faciliated by Nikhil Bhagat, a full-stack developer who is going to take the session by himself.

    Understanding the Significance of Form Control:

    Adaptation control lies at the heart of collaborative program improvement, encouraging consistent coordination among group individuals, empowering effective following of changes, and guaranteeing extended astuteness. Git, a disseminated adaptation control framework, has risen as the industry standard, advertising vigorous usefulness and adaptability. Complementing Git is GitHub, a web-based stage that gives a collaborative environment for facilitating Git stores, encouraging code sharing, and cultivating community-driven improvement.

    The Preparing Session Outline:

    The up-and-coming preparing session at Pusoe/Pusat College points to demystifying Git and GitHub, preparing participants with viable abilities and bits of knowledge to use these instruments successfully. Driven by prepared industry experts with broad involvement in program advancement and form control, the session guarantees to be a comprehensive learning encounter.

    Key Highlights of the Preparing:

    1. Essentials of Git:
      Members will pick up a strong understanding of Git’s center concepts, counting storehouses, branches, commits and consolidates. Through hands-on workouts and real-world cases, they will learn how to start a Git store, track changes, and collaborate with peers consistently.
    2. GitHub Collaboration:
      The preparation will dig into the collaborative highlights advertised by GitHub, such as drag demands, code surveys, and issue following. Participants will find the best hones for overseeing ventures on GitHub, saddling its social coding capabilities to streamline workflows and improve efficiency.
    3. Branching Procedures:
      Viable branching procedures are fundamental for overseeing complex computer program ventures. The session will investigate different branching models, such as highlight branching and GitFlow, enabling members to embrace techniques that adjust with their extended necessities and group elements.
    4. Progressed Git Methods:
      From rebasing and cherry-picking to settling combined clashes, the preparation will cover progressed Git methods that enable engineers to explore complex scenarios certainly. By using these methods, members can optimize their Git workflows and mitigate common challenges experienced amid advancement.

      Who Ought to Go to?
      This preparation session is perfect for computer program designers, engineers, understudies, and anybody sharp on upgrading their capability in form control and collaboration instruments. Whether you are an amateur enthusiastic to investigate Git and GitHub or an experienced professional looking to refine your aptitudes, this session offers profitable bits of knowledge custom-made to differing aptitude levels.

      Conclusion:
      In a period characterized by advancement and collaboration, capability in adaptation control systems like Git and GitHub may be a prerequisite for victory within the computer program industry. The up-and-coming preparation session at Pusoe/Pusat College presents a special opportunity for devotees and experts to extend their understanding of these crucial instruments, enabling them to set out on their computer program improvement travel with certainty and proficiency. Don’t miss out on this enhancing learning encounter – save your spot nowadays and open the total potential of Git and GitHub! 

  • 12 Last-Minute Holiday DIY Ideas

    12 Last-Minute Holiday DIY Ideas


    Did the Holidays Sneak Up on You This Year?

    The holidays have a way of seeming ages away only
    to pop up on the calendar the following week. While you may have had big plans
    to go all out decorating your home with festive decor, baking enough cookies to feed a
    small army, and finding the perfect gift for everyone on your list,
    time can slip away from even the most-prepared among us. Have no fear, though,
    as there is nothing some last-minute DIYing can’t fix.

    To help inspire some
    last minute crafting, we’ve put together 12 inexpensive and easy DIY projects you can
    make with items already in your home:

    Create the
    Perfect Gift

    There’s no better
    gift to receive than one that is handmade from someone you care about. Here are
    a few simple gift ideas for those you have left on your list:

       Write a Letter – The holiday season is the
    perfect time to demonstrate how much you care for someone. Instead of buying a
    gift, take the time to write the person a letter that documents a special
    memory you share or communicate how much they mean to you.

       Make Someone Their Favorite Treat – If you’re
    handy in the kitchen, consider making someone their
    favorite holiday treat. You can also make a handmade coupon offering to cook
    the person their favorite meal at a time of their choosing.

       Make a No-Sew Flannel Blanket Scarf – Repurpose
    a much-loved flannel shirt or make a quick run to the fabric store and pick up
    a yard of flannel. Cut your material into a square and use a seam ripper to
    fray all four edges. Stylish, cozy and sure to be much appreciated by its
    recipient during the winter months!

    Pretty Up Your
    Gifts

    Perhaps your gifts
    are purchased or made but have yet to be wrapped or placed under the tree. Here are some fun ideas for recycling
    materials you may already have at home to make your gift wrapping more
    affordable and memorable:

       Repurpose Your Old Newspapers– Instead of
    purchasing what can be costly holiday gift wrap, why not recycle your already-read newspapers into
    wrapping paper? This look will be especially popular with your well-read family
    members and friends.

       Use a Paper Bag or Blank Wrapping Paper – There
    is nothing like a blank slate! This leaves room for creativity and is
    especially fun for kids. Use stamps, markers and crayons to
    create one-of-a-kind wrapping paper.

       Add Yarn Bows – “Brown paper packages tied up
    with string…” –  you know how the rest
    goes! Wrap gifts a few times with old yarn and tie it up with a bow. This is perfect for those gifts that
    come in small packages.

    Trim the Tree

    You’ve brought the
    tree home from the tree farm (or
    dug it out of the attic) but have yet to adorn it with festive decorations. If
    you’re just starting out on your own (Christmas ornaments aren’t typically on
    the new-home registry) or are looking to add some
    fun new elements to your usual evergreen display, check out these simple ideas:

       Spray Paint Toys – Small toys like figurines
    or dinosaurs make fun tree
    decorations! Add a coat of silver or
    gold spray paint and hang them on the tree for a long-lasting memory.

       String a Cotton Ball Garland – All you need is
    thread, a needle and cotton balls. Thread the needle through cotton balls and
    create a snow-like garland for your tree in minutes. Depending on your style,
    you can also use glue and glitter to add a little bling!

       Make Pinecone Ornaments – Pine cones also make
    great last-minute ornaments for your tree. Just like the toys, you can spray
    paint them to make your tree pop! Have fun gathering them out of the backyard and ask kids to join in for a fun holiday memory.

    DIY Some Home Décor

       Make Tin Can Candle Holders – Another eco-friendly décor idea is using old tin cans
    as candle holders. Add some ribbon around the
    outside and simply place a real or artificial candle on the inside.

       Hang Paper Snowflakes – A classic activity for
    those of all ages is making paper snowflakes. Hang up your creations around
    your home and create an indoor winter wonderland.

       Create a Frosted Wine Bottle Centerpiece – Using
    white spray paint you can create a frosted effect on any recycled wine bottle.
    Add some flowers and create a festive winter centerpiece!

    Planning to put up
    some lights as part of your last-minute decorating? Be sure to check out our
    tips for safe holiday lighting by clicking the button below. 

  • 7 Safety Tips for Driving in Freezing Rain

    7 Safety Tips for Driving in Freezing Rain

    Getting Ready to Drive in Winter
    Weather Means More Than Just Preparing for Snow

    If you live in a cold climate, then you know the stressful
    and – at times – heart pounding experience that comes with driving in winter weather conditions. While the
    thought of driving during the colder months may conjure the mental image of
    driving through several feet of snow, an equally hazardous condition
    arises when freezing rain starts falling.

     

    What is freezing rain?

    Freezing rain occurs when rain freezes on
    contact with a cold surface, forming a layer of ice. Sleet is similar but is
    actually a precipitation of raindrops that are frozen before they hit the
    ground.

     

    Is it dangerous to drive in freezing
    rain?

    When freezing rain hits the ground, it
    forms an icy layer on the road. This creates slippery driving conditions that make
    your vehicle prone to sliding and skidding. Unlike snow, which is highly visible to the
    eye, freezing rain can be undetectable and dangerous. Because these conditions
    are less visible, they can actually be more dangerous to drive in than more
    visible conditions such as snow.

     

    Safety tips for driving in freezing
    rain:

     

    1. Stay home if you can

    The best solution
    for dealing with any dangerous driving condition is opting to stay home and avoid driving, if possible.
    Check the weather forecast and determine if your schedule allows you to wait
    out the storm.

     

    2. Take your time

    If you do have to
    drive, drive slowly. Freezing rain creates
    a slippery layer of ice on the road which can be especially dangerous when braking, causing your car to skid.
    Drive slowly to avoid braking.

     

    3. Leave space

    Because braking
    is difficult when driving in freezing rain, be sure to give the vehicle in
    front of you plenty of extra space.

     

    4. Give yourself extra time

    Because you’ll be
    driving slowly, take the stress out of your trip by giving yourself
    extra time to get to your destination. On a similar note, respect sand and salt
    trucks and try not to get frustrated if you end up behind them on the road.
    They’re helping to make the road safer and driving behind them can actually make
    your journey less treacherous.

     

    5. Use your windshield wipers and fluid

    Freezing rain has
    a tendency of building up on your windshield, decreasing visibility in what is
    already a hazardous driving situation. Keep freezing rain from forming on your
    windshield by making use of your wipers and fluid.

     

    6. Equip your car with winter tires

    Designed with
    deeper treads, winter tires are specifically designed
    to make driving in snow and ice easier! If you live in a region that
    experiences regular snow and ice, you may find that snow tires are well worth the investment.

     

    7. Keep a safety kit handy

    When prepping your vehicle for winter, it’s
    important to remember to restock your winter safety kit. Some items you may want to consider having on hand
    include: a snow brush, a small
    shovel, gloves, a hat and hand warmers.

     

    Follow these safety tips to combat freezing rain and make your winter
    travels as stress-free as possible. To learn more about protecting yourself and
    your vehicle in all driving situations, click on the button below!

  • 8 Ways to Help Lower Energy Costs

    When it comes to saving money, you might not
    realize there are simple adjustments you can make in your home right now to help you
    save big on your energy bills. Continue reading below to learn about eight ways
    to help lower your energy costs!&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp; <!–[endif]–>Check Seals on Windows,
    Doors, and Appliances One way to lower your energy bill is to make
    sure the seals on

  • Things to Know When Renting an Apartment in the Winter

    Winter in New York State can bring a slew of
    situations with your apartment that you might not think about during the warmer
    months of the year. When the snow falls and the temperature drops, questions
    about things like
    snow removal, heating, property maintenance, and parking may come to
    mind. Continue reading for things to know when renting an apartment in the
    winter.

     

    Snow
    Removal

     

    When renting an apartment, snow removal
    arrangements are generally disclosed in your lease. Usually the property owner
    is responsible for shoveling the sidewalk, but in some cases,
    these tasks can be delegated to the tenant in the lease agreement. Snow removal laws vary from
    city to city, but there are often ordinances in place requiring a property
    owner to remove any snow from a public sidewalk within 24 hours of snowfall.
    If the snow is not removed within this timeframe, some municipalities reserve the
    right to hire someone to remove the snow and charge the property owner with the
    bill, as well as any applicable fines.

     

    You should carefully review your lease to see
    if there are any specifications about snow removal for your apartment. If
    shoveling responsibilities were delegated to you in your lease, you should
    familiarize yourself with your local ordinance for snow removal so that you can
    stay in compliance and avoid any potential consequences.

     

    If snow removal responsibilities were not
    mentioned in your lease and your walks aren’t being shoveled, contact your landlord to arrange a plan. In some cases, you
    may be able to save a few extra bucks on your rent if you agree to take over
    the shoveling duties.

     

    Heating

     

    Heating your apartment is something you might
    not think about during the warmer months and it can be hard to know how well your
    apartment will hold heat before the time comes to turn
    that thermostat up. If you find your apartment isn’t holding enough heat,
    contact your landlord to ensure the heat is on and everything is functioning as intended.

     

    If everything is up to par but you are still
    chilly, you can experiment with adding things like thermal curtains, weather
    stripping, and rugs to warm up your space. Space heaters are also an option for
    adding additional heat into your apartment, however they can pose fire risks.
    Make sure to read this article to understand how to safely use a
    space heater. 

     

    New York State law requires landlords to supply heat to tenants from October 1 to May
    31. According to the NYS Attorney General’s Office, if the outdoor
    temperature falls below 55°F between six a.m. and ten p.m., your apartment’s
    temperature must be heated to at least 68°F, and if the outdoor temperature
    falls below 40°F between the hours of ten p.m. and six a.m., your apartment
    must be heated to at least 55°F.

     

    Property
    Maintenance

     

    Cold temperatures, snow, and ice can all bring
    different hazards to the property you’re renting. Generally speaking, your
    landlord is responsible to repair damages to a rental
    property unless you are deemed solely responsible for the damage. Even so, it’s
    a good idea to be prepared to respond to situations like frozen pipes and damage from snow plows or ice
    before they occur.

     

    Familiarize yourself with the plumbing in your
    apartment, including how to turn off the water in the event of a frozen or burst pipe. You can take preventative measures
    to keep your pipes from freezing by regulating the temperature in your
    apartment. While you may be tempted to save a few extra bucks on heating, a pipe
    burst can cause thousands of dollars in damages.

     

    Avoid parking your vehicle under areas where
    icicles may form, and safely remove any icicles using a ladder and roof rake.
    If you’re finding icicles are frequently forming outside your apartment, you
    may want to alert your landlord as this may be evidence of an ice dam on your
    roof, which could lead to roof or wall damage.

     

    Street
    Parking

     

    Keep updated on local parking regulations
    around your unit. Most municipalities have seasonal rules in place prohibiting
    overnight street parking – either during winter months or directly following a
    certain amount of snowfall – to allow snowplows to fully clear the roads. If
    you frequently park on the street, you may need to find another long-term parking
    option to avoid any tickets and allow workers to fully plow your street.

     

    If you opt for street parking and your city
    only prohibits street parking after a certain amount of snowfall, stay updated
    on the weather forecast and be prepared to move your vehicle in case the snow accumulates overnight.

     

    As a matter of convenience, finding a long-term
    parking solution away from the street is preferable and can protect your
    vehicle against potential damage from snowplows or other vehicles on the road.

     

    Studies have found winter may be the best time
    to rent a new apartment due to lower demand. Check out our Tips for Renting an
    Apartment below!