Showing posts with label career insurance job. Show all posts
Showing posts with label career insurance job. Show all posts

Thursday, October 24, 2013

Vice President Commercial Lines Agency Operations - Eastern Iowa

This is an awesome opportunity with a growing regional agency. It's perfect for all of you Iowan's that would like to come home!



This is a tremendous leadership opportunity for an experienced property and casualty insurance professional. Our client is a sophisticated, growth oriented insurance firm dedicated to achieving its goals recognizing in order to do so the appropriate leadership framework must be in place. This role, VP, Commercial Lines Operations, will take a very integrated approach with the executive, sales and administrative teams to help oversee the company's employees, internal processes and external relationships.
Vice President, Commercial Lines Operations Responsibilities
Management: Focus on the development of personnel (mostly client service, marketing and administrative support). Create a culture of growth as it relates to development and performance. Handle recruiting and training initiatives; address continuing education, perpetuation and infrastructure needs. Participate in achieving best practices goals. Make necessary improvements and adjustments in support offerings the sales team needs to obtain and retain new clients.
Operations: Create and execute organizational strategies addressing structural changes to policies and procedures, staff development and training, workflow and team capacity, effectiveness of technology/management systems and quality control. Monitor employee revenue metrics; benchmark industry trends regarding customer service quality; conducts audits.
Leadership: Play an important role in company marketing handling key insurance company relationships (setting up programs, negotiating contracts, development new proprietary products). Get involved in external vendor management including use of third-party administrators for claims and resource allocation. Help set departmental objectives; manage budgets.
Vice President, Commercial Lines Operations Requirements
Bachelor's degree is preferred; advanced education or professional insurance accreditation is highly desired. State insurance license.
At least 7-10 years of property and casualty insurance experience; most importantly is a track record of successful performance in a leadership capacity handling related operational duties.
Particular emphasis in recent roles must include employee development, organizational management, marketing, client deliverables and technology project management.

Please contact Scott Thompson for immediate confidential consideration and additional details.
Email: sthompson@insurance-csg.com

Phone: 515-987-0242 x 455
See our website at www.csgrecruiting.com/jobs for a complete listing of nationwide opportunities.

Thursday, April 25, 2013

No Degree No Job - Overcoming Education Requirements


Hello Blogosphere!!!!  I hope that you all remember me.  It’s been awhile since I’ve blogged.  I apologize for dropping out of the blog game for a while but I’ll be honest.  I just got too busy and made a calculated decision to hit the pause button until May.  Why May you might ask?  Well, I’m proud to announce that I recently completed my MBA.  Up until I gave up I was working a full time job, blogging, teaching adjunct, raising a family of three and finishing up my MBA.  Needless to say I had to let something drop.  So... now I’m back and ready to go!
Today, I’d like to talk about a situation that stonewalls many people out there – education requirements.  More and more companies are requiring that you have a degree to get the job.  At first glance this seems self-limiting.  After all, only 30% of the population holds a bachelor’s degree.  That said it is a reality that companies require it and job hunting success comes from acknowledging this and dealing with it appropriately. 

If you don't handle things right this guy will appear more qualified than you...


Why do companies require it?
Before we look at how to deal with it I think it’s important to understand why they require it.   I’d like to start by saying that this isn't intended to be a discussion of whether this practice is right or wrong or if higher education is relevant.  Regardless of what I think or anyone else – I don’t see companies changing their policies on education anytime soon.  I believe that education is important – otherwise I wouldn’t have gotten my MBA – this is not a fact.  It is a fact that many companies think education is important and will create restrictions based on it. 
Companies do this for a couple of reasons:
·         They believe that higher education teaches critical thinking skills
·         They believe that it shows you can start and complete a long term project
·         They believe that a degree is an accurate predictor of success
All of these assumptions probably have some basis in fact.  However, you need to understand that this doesn't necessarily mean that someone without a degree will make a bad employee.  As a career seeker you need to understand that this isn't a personal judgment on you.  There are thousands of examples of people that were highly successful and didn't go to college.  However, just because Steve Jobs didn’t go to college doesn't mean that a company’s assumption about education being correlated to success is incorrect.  This means that it is incumbent on you to prove that you are more like Steve Jobs and not the high school graduate serving burgers at McDonald's.   

What not to do
Don’t get mad and don’t diminish it.  When faced with the education question I come across two common arguments:
·         This is ridiculous – how can you discriminate against me?
Stop right there!  Questioning a rule by calling it stupid is probably the least persuasive argument tactic out there. In fact it feeds into the assumption that your lack of education disqualifies you.
·         Education isn't really that important – I have real world experience
I’ll give you part of this argument.  Real world experience does trump education.  However, this only works if the other alternatives only have an education and no real world experience.  If this is the case then you are probably applying or interviewing for the wrong job. 
·         Make your resume look like you graduated from college even though you didn't
This is a really tough one.  Sometimes people try to get in the door by trying to trick people into believing that they have a degree.  This can work in getting you in the door.  However, I’ll tell you right now that the feeling of being tricked usually is followed by being embarrassed.  This does not lead to job offers.
Here’s the deal.  You will never win if your argument starts with telling the company that they are wrong.    You will fail and look silly.

What can you do?
Here’s the good news.  You can overcome this and here’s how:

1.  Acknowledge your lack of degree and sell against it
This is one of the easiest ways to do this.  Tell the interviewer up front – I don’t have the required degree.  However, I still think that I would be a great fit for this because…  Can we still discuss this position?

2.  Go back to school
OK – I realize that this isn't that simple.  However, there are a lot of places that offer the ability to get your degree part time on nights and weekends over an extended period.  Here’s the kicker.  Once you start going back you can put this on your resume with an anticipated date of graduation.  This in itself may get you past the requirement.  Secondly, I think that it is fair to say that many companies look at this very favorably.  It’s really easy to go get your degree straight out of college when you have limited real world problems.  It is a major accomplishment to balance a full time job and adult life while going to school. 

3.  Achieve Industry Designations
Most places won’t look at a professional designation as a replacement for a degree.  However, most designations require a great deal of studying and a significant time replacement.  Depending on why a company requires education, they might look at this as proof that you can accomplish a long term goal and finish something that you started.
So – what do you think?  I guess that the really important takeaways from this are that education is important.  However, you can overcome the requirement by compensating for it in some way.  Have a great week and feel free to share your comments below!

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Thursday, January 3, 2013

Commercial Lines Sales Account Executive - Atlanta, GA

This is a terrific position for someone that has light sales experience or is looking to transition into a sales role.  My client is a leader in property and casualty insurance geared towards the healthcare industry and they are looking for someone that can step in to a hybrid role that is heavily focused on cross selling with additional responsibilities of bringing in new business as well.

Commercial Lines Sales Account Executive Job Description

Our client is a successful commercial insurance agency built around serving the needs of physicians and other healthcare businesses.  A tremendous opportunity exists to provide a complete suite of property and casualty insurance coverage to these accounts.  This position, Commercial Insurance Sales Executive, will focus on capitalizing on revenue through the agency's existing client base not currently being written.  This revenue will be derived from writing commercial package policies with an emphasis on property and General Liability coverage.

Commercial Insurance Sales Executive Responsibilities
Conduct proactive new business prospecting including cold calling and face-to-face visits; this can include existing client relationships or new ones you've developing in the agency's footprint.
Assess and discuss the client's insurance coverage needs; handle marketing and negotiations with underwriters as well as proposal presentations.
Work closely with existing healthcare sales team to arrange joint sales calls, update on client issues and track closing and hit ratios.
Represent the agency at trade associations and during visits from insurance company representatives.

Commercial Insurance Sales Executive Requirements
Bachelor's degree is required.
Approximately 2-5 years of property and casualty insurance experience with a sales emphasis on cross selling, upselling or new business solicitation through cold calling.
Broad property and casualty coverage background required.
Willingness to regularly travel.

Please contact Scott Thompson for immediate confidential consideration and additional details.
Email: sthompson@insurance-csg.com
Phone:  515-216-5455
See our website at www.csgrecruiting.com/jobs for a complete listing of nationwide opportunities.


Check out all of our postings here:


Check out some of my recent articles on the blog here:




















Wednesday, September 12, 2012

Working with a Bad Boss – What you can do…What you can’t do!




Hello World!  I hope you are all doing terrific!  I’m having a great week.  Things are going great here at Capstone Search Group and I’m proud to report that I just finished my sixth full year with the firm.  On a side not, I’m also pushing into my second year writing this blog.  Thanks to all of you for your support.  I’m also pleased to announce that Capstone is unveiling a new logo in preparation for our new website that will be rolling out later this month.  Have a look:



Today I’m going to be talking about working with a bad boss.  We’ve all been there.  I was talking to a candidate of mine that was recently let go and we discussed the problems he was having.  The candidate had been enjoying a great deal of success when seemingly out of the blue his boss came in and suggested that his level of production was sub par and needed to be fixed immediately.  My candidate’s first response was shock – where did this come from?  Then he got angry – no matter how he tried to cover it up it seeped out.  Finally, he settled into a sense of malaise – he just didn’t care anymore.  After six weeks he was let go.  Over the course of a month and a half they had gone from a strong working relationship to an adversarial one. 

How does this happen – how can your  boss go from looking like this:
I realize he is hardly the world's best boss - but hey - coffee mugs don't lie!

To looking like this:

What's his catchphrase?  You're....


I’ll give you a hint.  Shit rolls downhill.  I’ll be honest, in some cases you just ran into bad luck and got a bad boss.  It happens.  There are simply horrible people in this world and some of them get into management.  You can’t do anything about these people short of having three spirits visit them on Christmas Eve.  Most bosses that flip a switch and become hard to work for usually do it for a reason.  They are having pressure put on them from above – everyone answers to someone – and they are doing their best to save their job.  This doesn’t make them a bad person or even self serving – it just means that they are trying to preserve their own self interests, much like you are.  So, what can you do to resolve this?  Below are some tips about what you can and can’t do:

1.  Do not report the situation to his/her superiors
Everyone in a tough situation has this naïve fantasy where they share their problems with their boss with the bosses superior and it ends in some grand solution or your boss getting fired.  This rarely works unless your boss is doing something illegal and or maybe sexually harassing someone.  The problem is that in most cases simply being an a$$hole is not a fireable offense.  Here are the potential outcomes that can come from doing this:
a)      Senior Management ignores tells you to work it out on your own – this will just make you mad
b)      Senior Management tells your boss that his people are upset with him – the manager takes it out on you
c)      Senior Management ignores you completely
d)      Senior Management views you as someone that is complaining and looks to constructively fire you
e)      Senior Management rides in on a white horse – fires your boss and promotes you

Which one of these seems unlikely?

2.  Try talking to your boss
This sounds like a really simple answer but it really can solve the problem.  However, you have to do this appropriately and in a manner that elicits problem solving.  If you’re idea of “talking” about the problem is to run into his/her office with your hair on fire and tell them how bad you feel, just start looking for a new job now.  Instead, you need to do the following:
a)Think about the root cause of the problem – look in the mirror and see where your part in this is – people like people that take ownership
b)Reach out to your boss and ask to schedule a time to talk.  Don’t beat around the bush with this.  Say something like – “I feel we’re getting off track here.  Can we schedule a time to sit down and talk about it and get on the same page.”
c)be open minded when you go into the meeting
d) don’t accuse – tell you boss how you feel – use I messages
e)Ask how the two of you can partner together to make this work

3.  Look in the Mirror
This is the hardest part of the situation.  I feel that in many cases management’s inability to levy good constructive criticism is a barrier to personal improvement.  Try to strip away all the raw emotion and think about what your manager had to say.  Is production really sub par?  Even if the root cause is the economy, is there anything you could do better?  Think about this and remember that sometimes truth can come through poorly communicated messages.

4.  Look for a new job
In some cases this can’t be fixed.  The manager might have offended you.  The person just might be one of those horrible people we talked about above.  The reality is that you can only change so much in an organization.  You can change your personal actions.  You can change a failing business relationship.  However, you can’t change your manager, you can’t get your manager fired and you probably can’t change your company culture.  If you are in this position utilize all of the resources necessary and just get out.  Life is too short to be miserable.  If you need any help, let me know.  I might know a good recruiter.

Let me know your thoughts on this one!  I can be emailed at sthompson@insurance-csg.com.  

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Thursday, July 19, 2012

Do you really need a Resume to get a job?




Hello World!  I’m sorry for taking the last week off!  I got really sick the week of the fourth and got way behind.  To be honest it just took all of my creative juices out of me.  But, I’m back and I’ve got tons of new ideas and thoughts about job hunting and career development.  Things are still going great for the Thompson family – we’ve been really busy with swimming lessons, vacation bible school, family visits and the like.  The Fourth was great too! 

Moving on to today’s topic.  There has been a lot of chatter out there about how social networking has created an environment where you don’t really need a resume.  CNN’s article about this can be found here:


If you read the article you will find out a ton of cool things that people are doing.  They are using Facebook, LinkedIn, Pinterest and other tools to promote themselves.  They even interviewed some really “progressive” managers that now get all of their resumes through email.  My God!  The world sure is a changing!

OK – so the article really isn’t that bad.  There are some really great ideas in there and I am most definitely an advocate of marketing yourself through social media.  However, it gives the impression that somehow this will replace the resume.  I argue that if you want to replace your resume you are doing yourself a disservice.  Instead of replacing, you should be looking to enhance your resume through a social media presence. 

Ultimately, you need a resume.  Otherwise you run the risk of looking like someone that doesn’t like to follow social rules.  Honestly, when someone becomes adamant about not putting one together I start to wonder what other social rules they don’t like to follow because the rules don’t apply to you.  Like it or not it is a statement about you and how you behave.  Assuming that you are going to build a resume I’ve put together five resume tips that you need to know about how to enhance, build and create a winning resume:

1.  Follow the rules
There are some unwritten rules out there about resumes that you need to know.  They won’t always disqualify you from the job.  But they will make you look silly.  Keep in mind that you shouldn’t:
  • Fax your resume – EVER – unless specifically asked to – this makes you look technologically illiterate
  • Use first person in your resume (no I, me, my, mine)
  • Have spelling or grammar errors – you run the risk of looking stupid or sloppy (bonus tip: spell check doesn’t pick up everything)
  • Include the phone number you want to be called on – no reason to give your home phone number if you want called on your cell
  • Get a professional email address for your search – onehotmomma69@gmail.com is awesome for your friends – choose something for free at Gmail like scottthompson61@gmail.com 
  • Ditch the objective – if you are sending your resume it is pretty self explanatory that you are seeking a job in the stated field – it’s a waste of space
  • Cover letters are required but rarely read.  Keep it brief and to the point.  Find other ways to share your information.
  • Don’t put your picture on it – besides being kind of creepy it makes HR people uncomfortable as it can open up discrimination liabilities
  • Don’t share personal information, especially hobbies – nobody cares

2.  Keep your resume brief and to the point
The old rule was that your resume should only be one page.  People were zealous about this.  The rule has been relaxed and people have gone way overboard.  I agree that a resume doesn’t have to fit on the confines of one printed page.  The reason conventional wisdom once said this is because a resume is meant to be scanned for information to create interest in you.  In the old days of horse drawn carriages, fax machines and phones with cords you ran the risk of a hiring manager missing important information because he or she didn’t go to the second page.  The scroll button on a mouse has mitigated this risk.  However, this doesn’t give you license to write the great American resume… novel. 

Your resume is essentially an advertisement to make the hiring manager want to interview you and learn more about you.  When writing your resume keep the words to a minimum, use bullet points and use your valuable space to highlight your successes.  Other important information to include are  specific job duties that are marketable and specific industry knowledge.  For example, I work in insurance.  I see many people that list their job duties but fail to mention what industries they work with and what size of accounts they work with.  This is much more valuable than information you can assume based on a job title.

3.  Enhance your Resume through Social Media
So you can’t add all of your information on your resume.  How do you promote yourself better and make sure someone can find more?  It’s pretty easy!  Put it on the internet.  The internet is an incredibly powerful tool that allows for you to share awesome pictures of cats but it also allows you to put important information about you out there that someone can look for.  Here is what you can do:
  • Make your LinkedIn profile as extensive as possible – this is where you can put every piece of information you this is possibly relevant
  • Clean up your Facebook and make sure your privacy settings are set appropriately. 
  • Create a twitter account and tweet about your industry
  • Write a blog about your industry

Once you have started build up this information you can mention it in the email sending your resume.  Say something like:

Please find my attached resume.  If you would like additional information about me please feel free to check out my LinkedIn profile at xxx and my blog at xxx.”

4.   Keep your resume bland from a formatting perspective
Here is what should stick out about your resume – You and your accomplishments!  I’ve seen many people try to do cutesy things like add pictures, change the font to some fancy cursive script, used multiple font colors.  There is really only one excuse to have your resume like this.  You can be very creative if the job is looking for those skills.  So if you are in advertising, marketing and graphic design please disregard everything I just said.  If you aren’t then you need to focus on promoting the skills that are necessary for the job and not how pretty you can make something look. 

5.  Bring a copy of your resume to the interview
This one is really important.  Don’t assume that the person that read your resume is the person that is interviewing you.  In fact – assume that they know nothing about you.  The people that interview you work their job full time and are probably working extra to cover for the position that they are trying to hire for.  They have most likely glanced at your resume and may not have remembered to bring it with them.  Keep this in mind and do the following:
  • Bring a copy for them – offer it to them after you sit down
  • Assume that they know nothing about the resume – if they ask a question and the answer is on the resume answer it – don’t tell them that it is on the resume
  • Offer to email them a copy after the interview – say “Can I send this to you electronically so you don’t have to hold on the hard copy?”

That’s what I’ve got for today!!!  Let me know your thoughts and comments and I’ll have more next week!!!  As always please feel free to email me at sthompson@insurance-csg.com.

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Thursday, July 5, 2012

Corporate Loss Control Manager - Greenville, SC


This is a really awesome and unique role.  My client is a well respected carrier that is looking for a really strong loss control manager.  They are an organization that has never had a loss control program and are looking for a seasoned manager that can develop the program soup to nuts.  To clarify they are not looking for a field person, rather they are looking for someone that has a strong home office background that knows how to build and manage a staff and create processes and procedures.  They will pay very competitively for this and assist with relocation.



Corporate Loss Control Manager
This position is a unique opportunity for an innovative and driven risk management professional to establish a new loss control division.  Our client has never before had in-house loss control services, so this position is the ground floor expansion tied to other innovative changes the company is making in commercial insurance underwriting, claims and product innovation.  The company is a reputable commercial insurer focused in the transportation industry.  Most importantly this position, Corporate Loss Control Manager, ensures that high quality loss prevention services are available to the company's agents and insureds particularly on fleet auto risks.  It also works closely with home office underwriting and claims to make recommendations and/or adjustments that improve the profitability of the company.

Corporate Loss Control Manager Responsibilities:
Marketing- coordinates branding and implementation efforts with underwriting, claims and sales for internal and external partners; continue demonstrating the company's expertise in the commercial insurance transportation arena.
Account Management- create useful loss control tools from writing manuals to creating execution in the field; monitor the effectiveness of the program's delivery and risk mitigation.
Management- Set up the company's internal infrastructure, from reporting and Best Practices techniques to communication with other business units to the initial advertising about loss control resources to agents.

Corporate Loss Control Manager Qualifications:
Bachelor's degree is required.
Extensive education is required in safety, risk management, industrial hygiene and commercial auto regulations (OSHA, DOT, etc.).
At least five years of corporate, home office loss control management experience; commercial auto or related transportation experience is helpful but not required.
A good deal of claims and vendor management experience; ability to understand avoidance of repeat claims issues and maximizing vendor usage.
Business development and marketing minded; can visit on-site with insureds and agents as a representative of the company.

Please contact Scott Thompson for immediate confidential consideration and additional details.  Email:  sthompson@insurance-csg.com  Phone:  515-216-5455. See our website at, www.csgrecruiting.com/ins_opportunities.htm for a complete listing of nationwide opportunities.


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Friday, June 29, 2012

Commercial Lines Account Manager - Hattiesburg, MS

One of my  top clients in Mississippi is looking for a really sharp account manager for a commercial book in Hattiesburg.  This is a great company and they need someone that is comfortable in this type of environment and can juggle and prioritize multiple items.  This company offers terrific growth potential and is a great place to work!  Additionally, my client is open to someone that would relocate from a larger area like Jackson or the Gulf Coast.



Commercial Lines Account Manager

Our client is an independent agency with the knowledge and resources to insure a multitude of commercial business entities.  They are a regional insurance agency with the capacity to provide insurance and risk management programs for commercial clients that are local, national and international in their scope of operations.  As part of their growth plan they currently seek an experienced commercial account manager for the large accounts unit.  As Commercial Account Manager you're responsible for assuming leadership on new and existing commercial accounts.  You'll also partner closely with new producers who need assistance with everything from policy administration to new business marketing.

Commercial Account Manager Responsibilities:
Provide timely and accurate feedback to client inquiries on existing policies with regards to policy amendments, billing, claims and upcoming renewals.
Participate in the renewal cycle from start to finish; gather update account information, compile submissions and secure renewals quotes.
Assist other team members with overflow of processing, certificates or answering incoming calls.

Commercial Account Manager Qualifications:
Bachelor's degree in insurance and risk management or a minimum of two (2) years property and casualty insurance experience.
Prior underwriting, marketing or agency client service experience will be considered.
Broad property and casualty coverage knowledge including property, casualty, work comp and auto.
Larger, middle market and risk management account experience.
Hold an active MS P&C license or obtain one shortly upon hire.

Please contact Scott Thompson for immediate confidential consideration and additional details.  Email:  sthompson@insurance-csg.com  Phone:  515-987-0242 x455  Fax 515-987-0004  See our website at, www.csgrecruiting.com/ins_opportunities.htm for a complete listing of nationwide opportunities.


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Monday, June 25, 2012

Dealing with a Lowball Offer – Don’t get mad – Get the Job!



 Good day to you all!  Summer continues to move along nicely here in the Thompson household.  Kai is getting bigger.  Spot is getting bigger. And Ava and Mia keep making me sad by acting like big kids.  It’s also a special day for me – seven years ago today I married my wonderful, terrific, stupendous, bestest wife ever, Megan.  I am truly blessed! (I hope she is reading today…)



Now, on to my thoughts for today.  I recently was talking to a candidate of mine that was sharing a story about his last job.  This individual is very successful, qualified and has terrific experience.  He imparted to me that he recently received an offer from a company that was really low – his response was to laugh, act insulted and tell them that they would have to come up with something better than that to get him – after all he was unique and highly skilled.

Believe it or not – this happens more often than you think and to be honest it is a trap that many candidates fall into.  Before we talk about what to do, it is important to understand why offers come in low.  Below is a quick list of potential reasons:

  1. Your salary needs haven’t been adequately communicated
  2. Company is limited by budget
  3. When a range is given the candidate always assumes the high and the company assumes the low
  4. Candidates have unrealistic expectations
  5. The salary matches the position and not the candidate
  6. The company wants to leave room to reward you for good service
  7. The company wants to keep your salary in line with others in the organization (it is never anyone’s business what you make but somehow things like this seem to always get out – especially when there are inequities)

You’ll notice that I didn’t put in:

  1. Because they really don’t want to hire you and want to make you mad

You see – when a company makes an offer it is because they like you, want you to be a part of their organization and value you.  Sometimes they get the offer wrong or are unable to get it right.  So… if you like the company and they like you – why do people choose to respond like a wounded puppy?  It’s because we tie our ego to our salary – in our culture our salary is an estimation of our value.  If it were just another factor then people’s initial reaction would be to figure out how to work something out instead of getting mad.

Below are  five ways to deal with the low offer and get the job!

1.  Take a deep breath!
The first step is to take a deep breath and remember that the company isn’t trying to disrespect you.  In fact – you should be preparing yourself for the worst case scenario beforehand so that you are surprised if it is good.  Not mad if is bad. 

2. Set Expectations Beforehand
I’ve harped on this over and over and will never stop.  Talk about your salary needs.  For some reason people are really afraid to discuss their salary needs.  Usually this stems from some bad advice saying that talking money is in poor form or a fear that bringing it up will knock you out because they are out of your range.  When you do this you need to be armed with more than “I want $X.”  You need to justify why you want something.  You should share your recent salary history, factors why you deserve more and a specific range that you are comfortable with.  Remember, if you suggest you want $50K - $55K – you lose the right to be angry when they offer $50K.  Be honest – tell them that you want $55K - $60K then. 

3.  Be prepared to Negotiate
The first thing I tell anyone about negotiation is that you need to be prepared that the company can pull the offer and that you need to weigh this before you counter.  However, if you can’t accept the position it the current package then what do you have to lose?  I’ve encountered many people that have turned down an offer without asking only to find out after the fact that company would have made concessions to get them in.  When considering this don’t be afraid to negotiation on other items besides salary.  Vacation and benefits are free game.

4.  Thank them for the offer and ask for time to think about it
Even if you know that the offer won’t work for you – Thank them for it.  It’s good manners!  Thank them for the offer and ask if you can think about it for a day or two.  Give them a specific timeframe like – can I get back to you by Tuesday?  Remember that time kills all deals and that you shouldn’t try to push it farther than 24 – 72 hours.    When you get back to them start out by thanking them again.  From there tell them that you are really excited about the position but can’t make it work at this level.  Tell them that you would be happy to accept if they can get as close as possible to $X.

5.  Don’t deal in absolutes
When I was in school one of my teaches always told me that when taking a multiple choice test you should always avoid answers that have absolutes including always, never, every none.  The same can be applied to negotiations.  Essentially you can’t give ultimatums.  People don’t respond well to them.  Soften your approach by using words like close, near and about.  Finally, give them options.  Things like – I’d really like a higher salary but I could also look at a higher bonus potential.  However, only give these options if you are comfortable with all outcomes.  It’s kind of like the salary range.  You can’t give an option to soften things and then be mad because they chose the option you didn’t want.

That’s that.  I’m interested to hear about what you guys think on this subject.  Am I right?  Am I way off base?  Have a great week and as always feel free to leave comments or email me at sthompson@insurance-csg.com!

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