Getting Personal: Surviving the Matrix-Segmenting prevents adverse selection and ensures adequate premium

Personal Lines Success Tips
1. Study each of your insurers' segmentation ratings. Try to carve out niches.
2. Target marketing works in personal lines. Increase your odds of winning.
3. It's never been a better time to cross sell. Don't just talk about it, do it.
4. Keep current clients with outstanding service. They can get mediocre service anywhere.
5. Beef up your Web site. Give clients a reason to use it, such as e-mailing, quotes, policy changes and coverage information. Even throw in some fun stuff.