NAILBA Perspectives - Winter 2018 - 14

N A I L B A ' S M E M B E R B E N E F I T S : A R E Y O U TA K I N G A D VA N TA G E O F E V E R Y T H I N G T H AT M I G H T H E L P Y O U A N D Y O U R F I R M ?

NAILBA members can become
marketing gurus painlessly by
signing up for Life Happens Pro.
result in that data being compromised. This can occur through computer system hacking, lost or stolen
laptops, or employees releasing data
intentionally or unintentionally.
"With the proliferation of ransomware and spear phishing, confidential customer information is seriously at risk," Erzen said. "The costs
of a data breach are high. When you
combine IT forensics, legal bills,
and data restoration costs, rarely is
it under $50,000 and it can be multiples of that."
This cyber liability insurance
coverage is specifically designed to
protect a business or organization
from liability claims:
■■ involving unauthorized release
of information which the organization was legally obligated to
keep private;
■■ alleging invasion of privacy and/
or copyright/trademark violations in a digital, online, or social media environment; or
■■ alleging failures of computer
security resulting in deletion/alteration of data, transmission of
malicious code, denial of service,
and the like.
The policy covers defense costs
in state or federal regulatory proceedings involving violations of
privacy law and provides expert
resources and monetary reimbursement to insured BGAs for out-ofpocket expenses associated with
appropriate handling of such incidents. Those expenses could include
hiring a public relations consultant,
IT forensics, customer notification
and credit monitoring, and attorney's fees. Even though the term
14 perspectives WINTER 2018

"cyber" implies coverage is only for
incidents involving electronic hacking or online activities, this product
also covers private data and communications in many formats-paper,
digital, or otherwise.
The policy for NAILBA members
also covers cyber extortion, also
known as ransomware, if a firm's
computerized information is stolen and held for a cash ransom.
"Although no one likes to pay these
cyber criminals off, in some instances that is what is required and the
policy would pay on the BGA's behalf
for those costs," said Erzen.
It is important for BGAs to
establish procedures to secure confidential customer information. AJG
offers materials to help you set up
your own cyber and privacy breach
written procedures.
For more information about
these policies and what is covered,
visit the E&O link in the Quick Links
box at
Life Happens Pro Discounts
Ever wish your agency could afford
expert marketing help or not have
your staff spending time to get that
marketing or social media posting
done? NAILBA members can become
marketing gurus painlessly by signing up for Life Happens Pro. Recently
awarded the Insurance Standard
of Excellence by Web Awards, this
online service allows BGAs and their
producers access to the complete
suite of thousands of resources from
the non-profit Life Happens. Previously available only to large companies, these resources include educational videos that can be embedded

in websites, digital brochures and
flyers, social media graphics and
posts, and more. The resources can
be used "as is" or branded and customized for your agency.
Access to a robust email marketing system with a drip email feature is also available. Some subscribers have replaced Constant
Contact's much more costly program with this system. A brand new
AutoStream social media scheduling
tool, offered by no one else in the
industry, lets you "set it and forget
it" when doing social media posts.
The email marketing and social
media tools are Life Happens Pro's
most popular features. Members
have come to rely heavily on these
automated features, whether it's a
drip email campaign running continuously or the AutoStream social
media feature. "Life Happens Pro
users say the ability to automate
marketing functions that used to
take a lot of staff time and effort
is invaluable," said Marv Feldman,
president and CEO of Life Happens. The videos and spokesperson
resources also are enormously popular with users. The new Community segment is a great resource for
exchanging ideas and engaging in
discussions with other BGAs.
Individual use is available
through a Life Happens Pro subscription. Prices for an individual subscriber are generally $39 per
month for Plus and $79 per month
for Premium, but by using the code
NAILBA15, NAILBA members will
receive a 15 percent discount. Get
more information and sign up at
Larger producer groups may prefer the new Life Happens Pro Agency model. It provides a streamlined
process for introducing this tool
into your business and workflow.
Prices for Life Happens Pro Agency
can be as low as $20 per month per

user. Complete details, including
pricing for every level, are available
Not convinced this is right for
your firm? The website offers a
30-day free trial so you can try it
and see.
Here's what one NAILBA member has to say about the benefits of
using Life Happens Pro. "I've been
relying on Life Happens' marketing material for years," said former
NAILBA chairman Cindy Gentry of
BBA Life Brokerage. "Now Life Happens Pro puts it literally at my and
my staff's fingertips and lets us put
it to use in every aspect of our marketing efforts. Whether it's a flyer or
stats for my blog posts, social media
posts, and videos, the content is
so well done and put together, I
couldn't possibly afford the time or
expense of doing this myself. Having Life Happens Pro is well worth
the minimal cost."
Your brokerage can save money
by using this all-in-one service compared to buying multiple other services. Instead of hiring a designer,
social media manager, web developer, and marketer, Life Happens Pro
gives you access to all of that expertise for roughly a dollar a day.
"None of us has the time, or
the inclination for that matter, to
get technology or a software solution working," noted Feldman. "We
understand that, which is why Life
Happens Pro is different. We have
a dedicated Customer Success Manager, Dee Jackson, who is here to
help you or a team member get Life
Happens Pro up and running quickly and to troubleshoot any problems you have. Additionally, Dee
does ongoing webinars and training modules to ensure you and your
agency can maximize this tool with
minimal effort."

Table of Contents for the Digital Edition of NAILBA Perspectives - Winter 2018

NAILBA Perspectives - Winter 2018
Chairman's Corner
CEO Insights
NAILBA’s Member Benefits: Are You Taking Advantage of Everything that Might Help You and Your Firm?
NAILBA Charitable Foundation
NAILBA 36 Highlights
Legislative Update
Life Happens
Agency Successor Networking Group
Calendar of Events
Brokerage in Motion
Index of Advertisers
NAILBA Perspectives - Winter 2018 - NAILBA Perspectives - Winter 2018
NAILBA Perspectives - Winter 2018 - Cover2
NAILBA Perspectives - Winter 2018 - 3
NAILBA Perspectives - Winter 2018 - 4
NAILBA Perspectives - Winter 2018 - Contents
NAILBA Perspectives - Winter 2018 - 6
NAILBA Perspectives - Winter 2018 - Chairman's Corner
NAILBA Perspectives - Winter 2018 - 8
NAILBA Perspectives - Winter 2018 - CEO Insights
NAILBA Perspectives - Winter 2018 - NAILBA’s Member Benefits: Are You Taking Advantage of Everything that Might Help You and Your Firm?
NAILBA Perspectives - Winter 2018 - 11
NAILBA Perspectives - Winter 2018 - 12
NAILBA Perspectives - Winter 2018 - 13
NAILBA Perspectives - Winter 2018 - 14
NAILBA Perspectives - Winter 2018 - 15
NAILBA Perspectives - Winter 2018 - NAILBA Charitable Foundation
NAILBA Perspectives - Winter 2018 - 17
NAILBA Perspectives - Winter 2018 - NAILBA 36 Highlights
NAILBA Perspectives - Winter 2018 - 19
NAILBA Perspectives - Winter 2018 - 20
NAILBA Perspectives - Winter 2018 - Legislative Update
NAILBA Perspectives - Winter 2018 - Life Happens
NAILBA Perspectives - Winter 2018 - 23
NAILBA Perspectives - Winter 2018 - Agency Successor Networking Group
NAILBA Perspectives - Winter 2018 - 25
NAILBA Perspectives - Winter 2018 - Index of Advertisers
NAILBA Perspectives - Winter 2018 - Cover3
NAILBA Perspectives - Winter 2018 - Cover4