We All Make Mistakes In Our Business From Time To Time

Category: Finance, Insurance.

We all make mistakes in our business from time to time. The question is how we handle them when they happen.

We may miss a deadline, delete an important file or foul up a project. or whatever. And just for the record, life insurance agents are NOT supposed to lie! Lies will follow you like your shadow. Inevitably, to cover up the mess instead of owning up to it is usually far more expensive in the long run. Sooner or later you pay. and sometimes with a steep interest rate. She would have avoided criminal conviction and financial disaster if it weren t for lying.

If you think I m over reacting, ask Martha Stewart. The judge determined that the charge of fraud wasn t a crime in which she could be convicted of. The only charge that remained was the perjury. The fraud charge was actually dismissed. There are many examples throughout history where the cost of the cover up was far greater than if the truth was confronted from the get go: Nixon could have possibly survived impeachment or avoided it all together if he had fessed up immediately. Maybe Newt Gingrich would have been our standing president if he stood his ground and told the truth. Same goes for Clinton. the whole Monica scandal probably wouldn t have been in the headlines for a decade if he hadn t drawn it out for so long.

Who knows? And it almost always ends up costing me dearly. I know I ve had my fair share of poor decisions, bonehead moves and miscalculations in my lifetime. In the life insurance business it is vital to keep your integrity and be truthful always, PERIOD. If you want the trust of your client and community, then you must be trustworthy. If you give your client a quote, (for instance) , that you know is way off base, just to get a commitment, most often that will come back to bite you in more ways than you will ever realize. If you want to have credibility with your clients and community, you must be credible.

But our reputation and credibility is far more valuable than any gain we may accomplish by leading people on with lies. It is no easy task to regulate our own personal behaviors. If you lose their trust, you lose their business, their family s business and potentially the business of everyone they know.

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However, Faster Ways Where, There Are Other You Can Get Bulk Amounts Of Residence Assurance Quotes Online - Finance and Insurance Articles:

If you really want to get the best possible rate on home insurance, you had better be prepared to spend some time shopping around for the best deals.

But The Debate Over How To Change The Current Health Insurance Mess Has Been Moved Forward - Finance and Insurance:

The healthcare insurance tax plan proposed by President Bush is designed to reduce the number of people who do not presently have health insurance- reported by the Census Bureau to be 47 million in 2005, or 19 percent of the population. The President s proposal, covered in his January 2007 State of the Union Address, would eliminate tax- free treatment for employer health benefits, but offer a standard tax deduction of$ 7, 500 for individuals and$ 15, 000 for families.

Losing Something Is Always A Loss, But An Insurance Policy Will Reduce The Blow

Category: Finance, Insurance.

Accidental death happens all the time. But in reality, we all know that this could happen.

But most of us somehow believe that we are immune from that. We hear about them all the time, but road accidents seem like an alien phenomenon. Have you ever thought of that? And if it did come to pass, how would your family survive? Well, most of us are usually so busy going about our day to day activities that we tend to overlook even the possibility of such happenings. For people who are worried about their family s welfare after their passing on or who would like to take care of their vehicles or valuables while they are still around, insurance is the only sensible option available.

Yet, we can never be sure of what sudden surprises or shocks fate has in store for us. Buying a policy is easy as there are many who want to write you one. Losing something is always a loss, but an insurance policy will reduce the blow. This would be a great way of gaining protection and assuring oneself that one s near and dear ones will be taken care of in the event of some terrible event. Human life is full of uncertainty. There are some who believe that they do not need a policy.

Insurance protects us against that. They seem to live with the attitude that nothing will happen. At such a time, these people will be the worst affected. However, what if something terrible does to take place? The kind of life that we lead nowadays, mandates having an insurance policy. Every individual should have an insurance policy.

It is most definitely not just a luxury anymore. Having a life insurance policy is certainly essential. In order to be able to bear the costs, such people will require external help. Such a policy will prove to be a great help to them when they or their close family members fall ill or meet with an accident. And this is exactly what the insurance companies are here for. Things can and do go wrong. In some cases, the company will reimburse the costs incurred, they will provide, whereas in others support right away without any delay.

Is it not nice that during bad times, you can depend on insurance companies? Thus, getting an insurance policy would become essential. Having spent a lot of money on buying a vehicle, we should spend a little bit more to provide it an insurance cover too. I hope there is no accident. And if the person involved in the car accident has health insurance, his injuries will also be taken care of. But if there is one, the insurance company will cover it, subject to the covenants in the policy. Frankly, I cannot see how you can do without insurance.

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The Amount It Covers Is Really Big - Finance and Insurance Articles:

The main idea behind travelling is to unwind oneself with the purity and freshness of exotic locations forgetting all the fret and fever of day- to- day life.

Many People Have The Hope Of Staying In Their Homes For A Lifetime, Especially As They Grow Old - Finance and Insurance Blog:

Many people have the hope of staying in their homes for a lifetime, especially as they grow old. Other people need help even more frequently and this could mean that it is the right time to move to a geriatric home where a group of professionals will be waiting to take full care of them, and this is the exact time where long term care insurance becomes really helpful.

It Is Important To Read Carefully The Clause That Defines The Total Damages, Since There Are Two Modalities - Mae Halsted's Finance and Insurance blog:

At the time of getting auto insurance, many people do not know the reasons for getting it.

Car Insurance Is A Necessary Thing And Yet Expensive A Proposition

Category: Finance, Insurance.

Car insurance is a necessary thing and yet expensive a proposition. Applying for an insurance policy also requires you to submit your credit details.

Often it could be your driving record that could be at fault, but then very few people have a perfect driving profile. And it is understood that those with not- so- good a credit history have a harder time getting insurance at desirable rate of premiums. Young drivers fall in the high- risk category group. Age also comes into play in a big way. And most insurer companies do not seem much interested in giving low insurance. If you join driving classes, many car insurance companies consider you for low insurance premiums after completion of the course. But then, there are ways to getting cheap car insurance as well as to be eligible for discount car insurance rates.

This is their way of placing their trust on you. If you have displayed good driving skills, insurance deals should come easy. But of course, better your grades there, better your chances of getting lower premium rates. An expensive car model, generally attracts higher premiums but then good maintenance of your car, such as installing anti- theft devices increases your reliability. After all is said, the thing that obviously makes the biggest difference to your premiums is your safe driving on your roads. If you have low budget, then you consider purchasing a used car since that always helps you to cheap car insurance. If you follow the traffic rules, and take care of your speed limit and never face speeding fines, you are helping yourself stand in good stead.

When you plan on car insurance, it is forever advisable to do a good amount of research, preferably on the Internet to collect as many quotes as possible and to compare them to understand which one will suit you best.

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Cover For Your Personal Belongings And Money That You Take With You - Natalie Tewell's Finance and Insurance blog:

The primary benefit of travel insurance is the knowledge that should something go wrong while you are abroad, you won t be responsible for finding the money to put it right, at a time when you are already stressed out.

Auto Insurance- -The Age Factor- Finaly - Finance and Insurance:

finally, you re going to get all the information about AUto Insurance Age Factors. that article will help you to understand every thing about AUto Insurance Age Factors.

There Are Plenty Of Organisations That Recruit Volunteers For Placements In Africa - Finance and Insurance:

If you have a period of free time, a gap year or a sabbatical from work coming up, then you might want to consider spending your time engaged in something rewarding and enjoyable.

Have You Ever Noticed That When The Weather Gets Colder There Are A Lot More Spider Webs In The Trees And On The Bushes

Category: Finance, Insurance.

Have you ever noticed that when the weather gets colder there are a lot more spider webs in the trees and on the bushes? In fact, some of them are huge.

These webs seem bigger than they are any other time of the year. It s kind of odd until you think about the reasons why. So you just have to take my word for it. Now I realize that some of you live in areas that have a comfortable climate year round. In the summertime you hardly ever see spider webs. No, that s not it at all. Could it be that spiders just don t like the heat?

The reason that you see more spider webs in the winter is because there are fewer bugs for them to catch. But in the winter, the spiders have to work much harder to get the same results they were getting effortlessly just one month earlier. In warmer weather, it is easy for them to get a feast. Insurance Agents Have to Spin Webs When Leads Dry Up. There have been several time in my career where the life insurance leads, prospects and clients were plentiful one minute and then it seems like overnight, they disappear. This natural phenomenon reminds me of my business. I am certain that you have had the same ups and downs in your career.

Things seem to be going just fine and then all of the sudden you find yourself smack dab in the middle of a financial drought. You see, there are going to be times in life when a similar thing may happen to you. How will you handle this adversity? Do you retreat and sulk in your misfortune or do you mimic the spider and push on, do more, work harder? How have you handled it in the past? Why a Good Life Insurance Agent Should Be Like W. Fields.

Back during the depression, W. Fields, the comedian of Vaudeville, lost all his money and found himself without income, and his means, without a job of making a living no longer existed. Plus he was past sixty years old. In addition to all of his troubles, he fell and injured his neck. But, he was so eager to stage a comeback that he actually offered to work without pay in a new field, motion pictures. At this point, most people would have thrown in the towel.

He knew that if he pushed forward, he would get the" breaks" sooner or later. But he forged on. And eventually he did. The Bottom Line to Getting More Leads and Clients. But the breaks came from his persistence, not by chance. Here s the bottom line.

Under all circumstances, at all times money moves around, changes hands and gravitates to the person with a system for attracting it( ie, the person with the biggest web) . You need to get up everyday and get in front of new clients and prospects( either physically and/ or through the media) . At different times and under different circumstances the task may vary in difficulty. And watch your commissions soar. But in the tough times, do just like the spider, expanded your efforts. and make your web bigger. There are a lot of things you can do to increase your business.

Other things may cost a lot more but could bring you a 10- 20 times ROI. Some things don t even cost anything but they may only bring in minimal results and consume your time. The bottom line is that the more actions you take the better results you will get. Keep trying new things. So always keep moving forward. And before you know it, you will be right where you want to be. So here s to building a bigger web.

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A Bonds - Finance and Insurance:

Depending on what type of bond you are investing in, could make you earn a lot. Short term low return bonds are a safer way of investing your hard earned money, Companies and Government Issue bonds to meet their day to day operation.

Even While You May Not Require Financial Protection Immediately, It Can Give Some Peace Of Mind - Finance and Insurance:

Financial Protection can help you and your family with insurance cover and is an invaluable aid to cope up with lifelong illness. As we know, life is full of uncertainties and these uncertainties are increasing in the modern lifestyles of today and many of these can affect your health adversely.

Hence, Low Price Based Critical Illness Policies Could Now Be Available Easily - Finance and Insurance:

Critical illness insurance has become a popular form of insurance nowadays in the UK.

Insurance Can Be Termed As One Of The Best Things To Have Happened To People

Category: Finance, Insurance.

Insurance can be termed as one of the best things to have happened to people. No one can deny that one of the worst things for anyone is to cough up money unnecessarily.

A service, which pays for the damage undergone by them has to be outstanding. It can affect people with average means in a big way. If the money is being spent to get something repaired because it had undergone some damage, then it can be really frustrating. Particularly in today s times, when the price for living has risen dramatically. And if the concerned product happens to be quite expensive, then the situation can turn really grave. Cars being expensive products are mostly purchased on loans.

Imagine in this scenario what happens if one has to attend to some damage done to his car. Any damage, means that one, therefore has to pay on two fronts. Needless to say that it can prove to be a tough task for middle class households. One on getting the damage fixed and the other on repaying the monthly installments. It is here that cheap car insurance comes into play and ensures that one is spared from the trauma of spending on the repair of one s car. Such a service as this brings immense relief and respite to people who are only too grateful to avail it. The insurance company takes care of arranging for the finance for the repair of the car, with the concerned individual not requiring to pay a single penny.

The charges levied by the insurance company for such a service is also very less, which is why car insurance is also known as cheap car insurance. Firstly, one should ensure that the policy comes to life as soon as it is signed. However, to gain maximum from Cheap Car Insurance, one would do well to take care of certain points. Secondly, one should also ensure that his car is priced fairly. Acts like these can lead to the disqualification of the policy. In addition to these points, one should never default on monthly premium, neither should he furnish any wrong information to the insurance company. If the above mentioned precautions are taken, then there can be no denying the fact that ones decision to opt for cheap car insurance would turn out to be an investment that he would be really proud of.

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Thus Critical Illness Insurance Companies Can Be Concerned - Kathie Ashalintubbi's Finance and Insurance blog:

Have you ever thought about how sensible your health is? Surveys tell that someone is more apt to falling critically ill than to die before the age of 6That is why critical illness insurance has been brought forward to put light to this issue.

All Insurance Types - Finance and Insurance Articles:

Auto insurance. finally, you re going to get all the information about AUto Insurance. that article will help you to understand every thing about auto insurance. An insurance company may declare a vehicle totally destroyed if it appears replacement would be cheaper than repair.

One Of The Best Ways To Lower Your Car Insurance Premiums For Teenagers Would Be Keeping Clean Driving Records - Kitty Laurich about Finance and Insurance:

Getting an auto insurance for you teenage drivers is very important and while insurance companies charge high premiums as they find teenagers to be at a higher risk, there are helpful ways to help lower your premium payments and to keep your teener s license free from violations. You should educate your teenagers to follow laws and restrictions.

There Are Various Critical Illnesses That Affect People In The UK

Category: Finance, Insurance.

There are various critical illnesses that affect people in the UK.

Cancer can be considered as the critical illness responsible for around three quarters of the claims in the UK. Insurance companies used to cover seven major critical illness conditions but gradually, some of them have started to cover around 3Even if medical technology has progressed considerably, critical illness cases continue to remain an everyday fact. Let s see at some statistics. As a matter of fact, women claimed more as compared to men. According to BUPA Individual Protection, around 4 out of 10 men had suffered from a critical illness like cancer while 7 out of 10 women endured the same thing. The overall analysis of figures related to critical illness claims had also been registered. Then we see brain tumour and total and permanent disability which brought around 5 percent of critical illness claims in the UK.

After cancer, heart attack accounted for about 13 percent of claims followed by stroke and heart valve replacement which were both responsible for around 7 percent of critical illness claims. Moreover, the average payout per claim may have been around GBP 79, the highest amount, 00Also of lump sum awarded by BUPA Individual Protection till date had been around GBP 750, 00Here are some recent critical illness payouts. Furthermore, a 34 year old woman may have obtained around GBP 120, 000 after being diagnosed with a critical illness such as cervical cancer. A sum of GBP 250, 000 may have been awarded to a man aged 43 years old who was disabled after a motorcycle accident. Additionally, a 46 year old man may have received GBP 500, 000 for being a victim of a critical illness as Parkinson s disease. As per Critical Illness Insurance, News update: November 2006, detailed claim figures could be classified as follows: Cancer topped the list of critical illness claims. 48 percent of men claimed for cancer followed by 18 percent for heart attack, 6 percent for stroke, 4 percent for total permanent disability, 4 percent for benign brain tumour, 4 percent for heart valve replacement, 3 percent for a critical illness like multiple sclerosis and finally 3 percent for bypass surgery. Finally, a 40 year old woman may have been granted approximately GBP 33, 000 for breast cancer.

As for women cancer claims nearly doubled that of men. If the above data is compared, we would be able to notice that in general, women may account for most critical illness claims. The critical illness claim figures for women could be demonstrated as follows: 65 percent of women claimed for cancer followed by 4 percent for heart attack, 8 percent for stroke, 7 percent for total permanent disability, 5 percent for benign brain tumour, 1 percent for heart valve replacement, 2 percent for a critical illness such as multiple sclerosis and finally 1 percent for bypass surgery. The high rate of cancer among women may be most likely due to breast cancer. Having a critical illness cover might ease you out of possible financial problems you may encounter if you are unfortunate enough to be diagnosed with a critical illness in the future. On the other hand, the most dominant form of critical illness among men may be the heart attack.

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That Critical Illness Is Most Probably The Heart Attack - Juanita Muse's Finance and Insurance blog:

Statistics reveal that someone somewhere in the UK falls prey to a critical illness every 2 minutes. As surveys are carried out, showing that 93, results appear percent of these people are likely to have a critical illness cover.

The Insurance Company Decides Its Premium Rate On The Results - Marcia Cal's Finance and Insurance blog:

Health insurance policy is a type of insurance plan whereby the insurer pays his medical cost of insured if the in case the insured becomes ill due to covered reasons or due to any accidents. Market based health care systems such as available in United States of America rely on the private health insurance.

Insurance Company - Finance and Insurance Articles:

One should know a lot and understand when buying a health insurance plan policy in California. It is just like a drop in a bucket.

WOMEN DRIVERS ARE RUBBISH

Category: Finance, Insurance.

WOMEN DRIVERS ARE RUBBISH!

Me personally MANY TIMES. How many times have you heard a male say words like this or similar. Men have this thing that, put a women behind the wheel of a car and it spells disaster. Ask the insurance companies, after all the proof of the pudding is in the eating. Guys YOU COULD NOT BE MORE WRONG. Female drivers have far less accidents than men and when they do the costs are normally far less.

I agree if you are just talking about numbers but insurance companies don t work it out like that. Before you say" well yes, they are bound to have less accidents than men as there are more men than women driving" . They look at the number of males and females they insure and record the number of accidents and costs but also take into account the percentage of men and women insured by them to get an accurate picture. So suddenly the guys are not smiling any more. On average a 17 year old male can cost �400- 500 more than a 17 year old female to insure per year. Why is there the difference.

Normally if you see a 17 year old girl driving she may have a friend or whatever with her and is often still driving like she did when she was learning. The main reason guys, like it or not is GIRLS AT 17 ARE MORE MATURE THAN YOU. Take a 17 year old male however and once many of them have passed their test they go into a new mode its called Boy Racer Mode. What I do know is they tend to load their cars up with 4 or 5 mates and demonstrate how high they can fly over traffic humps, how much smoke they can make in a handbrake turn, how their car is powerful enough to overtake in a shorter safety margin than anyone else s, etc, etc. Whether this is to impress the ladies or their mates, I am unsure. Problem is when they do have an accident it is often not just them claiming it is the 4 others in the car( I didn t think they would claim as they are my friends) who have seen all the Claims R Us type adverts and been told by their mates that they can claim thousands of pound if they say they have a cricked neck. Don t get me wrong on this, I am no angel when it comes to criticising women drivers.

Generally females tend to drive a lot slower than men, possibly because I think males are born drivers and maybe do not see the dangers as much as the ladies. Over the years I have done my share but as I have got older I have taken the time to stand back and think and yes ladies I put my hands up and stand back and admit that I am sorry for what I may have said about you because in the majority of cases I was probably wrong. Why at present are lots of insurance companies( who are not renowned for spending money) spending an absolute fortune on advertising insurance ESPECIALLY FOR( yes you ve guessed it) LADIES. Finally guys, I am sure there are still some of you who think I am wrong and no matter what I say you will still think women drivers are the scourge of the earth. let me ask you this then. Graham Hodgson. www. hodgsoninsurance. co. uk

Simply Put Greater The Loss Greater Is The Need Felt For Insurance

Category: Finance, Insurance.

No one can deny the obvious fact that life these days have become extremely expensive and uncertain. When it comes to protection against calamities then one thing that immediately springs to mind is insurance.

As such it becomes imperative that people find ways and means of protecting themselves against all sorts of calamities- man made or natural. Indeed its a big relief for people who have suffered some sort of financial loss as it rectifies the damage on its own with the owner not required to spend a single penny. Simply put greater the loss greater is the need felt for insurance. Its importance magnifies manifold if the loss is big. And if the loss includes damage to your home then the importance of insurance can easily be understood. And why not, people spend their life s earning in making a dream house for themselves so it is very natural that they would take all sort of precautions that in case any damage is done to their house they can recover the amount and can make another one without much difficulty. Indeed home insurance is extremely popular and its popularity is not confined to UK alone, in fact it is a world wide phenomenon.

Home insurance provides a security cover against probably all sorts of risks that might threat one s house. However, to gain maximum advantage from Home Insurance one must keep certain points in mind. It provides security against risks like fire, storm, earthquake, lightning, theft, flood, burglary, vandalism, riots, fire, subsidence, explosion, burst pipes, water leakage, civil upheaval, oil leakage, falling trees, impact from vehicles, air crafts etc. Firstly see if there is any special offer on home insurance, then check whether the policy covers the entire value of the house, never furnish any false detail to the company, ensure that the policy comes into effect from the day it is signed, confirm whether the minimum amount required for claims is satisfactory, review the policy periodically and update wherever necessary and lastly inform the insurance company if any alteration is made. If the above precaution is taken then there is no reason why one s decision to opt for home will not bring him rich dividends.

Buying It From A Good Insurance Company Assures You A Good Insurance Deal

Category: Finance, Insurance.

Having an insurance assures you of a reliable friend giving you his helping hand during critical situations. A good insurance deal saves a lot of your money as well as opens up possibility that you get the maximum return or compensation of your premium.

Life insurance is a type of insurance which assures you of giving a payout when someone in your family, dies, who was insured. Buying a good insurance in UK has been an arduous task, due to numerous of companies lined up to sell their insurance. Before you finally make your mind to buy a life insurance, you must know how many types of insurance are available in the market. A little consideration about your need of buying insurance, estimation of how much insurance you need, etc can help you getting a good insurance deal. You might come to know several names of insurance, that might be very confusing. Understanding it may requires an example. But, basically there are two types of insurance- term insurance and everything else.

Suppose, you need an insurance worth �100, and if you, 000 wish to avail a term insurance, you might need �20 to pay as premium. While term insurance will cover your life only by the period which has been fixed while taking insurance. And if you are availing' everything else' , you will pay �100 a month, as it will cover insurance for whole of your life. Suppose, if you have got the insurance deal only for 20 years, your family will get the payout only if you die within 20 years. You might come to know plenty of representatives of insurance companies approaching you. The next to consider while buying a life insurance is from where you ought to buy it.

But the best method of buying an insurance is to do some thorough self- research. Check out where you can buy it on competitive rates. You can easily find several of online insurance companies offering you free insurance quotes. Buying it from a good insurance company assures you a good insurance deal.