The Gift That Keeps on Giving

Nowadays, with a barely growing economy, ongoing high unemployment, daunting debt levels and the seemingly ever-looming specter of recession, it's not surprising that advertisers are egging on consumers to do their holiday shopping well before roasting the Thanksgiving turkey -- to find the best deals. In the business world, the benefits of effective capital management are clear: How well an organization handles its capital and financial resources is one of the strongest indicators of longevity and success. Creating more value for customers does not mean simply producing and promoting products. Carriers need to innovate in marketing, claims and service areas while pricing as accurately as possible and avoiding risk assessment mistakes.