Création des Logiciels de gestion d'Entreprise, Création et référencement des sites web, Réseaux et Maintenance, Conception
seo Why I Buy A Health Insurance? 2013
Seo Master present to you:
2013, By: Seo Master
A fair number of people in the US have convinced themselves that they don’t need to purchase health care insurance or want its financial protections. Therefore, they do not understand why they should have to buy it.
These people are upset because beginning in 2014, they will be required by law to purchase health insurance or be financially penalized.
Many of them have managed to get by in the past because they have not had health problems, feel they can use Emergency Rooms if serious problems arise or have been able to rely on family members to help them out financially when they get sick.
Some of them may feel they cannot afford to purchase medical coverage.
Others simply do not want to spend the money to buy it.
No matter how such people feel, it is obvious that they are being unrealistic and unfair about their attitudes because the bottom line is that everybody needs to buy health insurance!
Avoiding The Purchase Of Health Care Insurance Creates Many Problems
Many of these individuals have good health histories.
They have never been seriously ill or had to face the financial consequences that come with poor health.
They do not understand (or do not want to understand) that their failure to address their health care responsibilities damages the finances of other people and also has the potential of taking their own lives.
Many assume that because they've never been sick, they will always be healthy.
These are the types of attitudes and thoughts that ruin lives.
Someone commented recently that it is their own business if they choose not to buy health insurance.
Really?
If people don't protect themselves with insurance, who do they think pays when they get sick? Do these people think it is fair to put their personal burdens into the wallets of their fellow citizens?
Interestingly, it is these same people who are screaming the loudest about how unfair the AHA is when it is obvious that they are the very reason the law is requiring all citizens to purchase health insurance!
Health Care Insurance Is Your Only Protection Against Financial Ruin
One day a student of mine came limping into class just before the end of the lunch hour.
I asked him what was wrong, and he begged me not to share what he was about to tell me.
He had rheumatoid arthritis.
He was 14 years old. His parents did not think he would need insurance because he was young and seemed healthy. Once he got sick, insurers refused to cover him because of his “preexisting” condition.
His parents had to file for bankruptcy because of their mistaken attitudes.
The point of this story is that illness does not discriminate.
It strikes people of all ages, and it can show up at any time.
Using youth or current good health as reasons to avoid purchasing health insurance is a serious mistake that impacts many people in addition to the person who assumes he is safe.
In this particular situation, if the AHA had been in force, the parents would have been able to purchase coverage for their son even after he became ill.
Furthermore, they would already have had it because of the legal requirement to purchase it.
Medical care Is Expensive, And Health Care Insurance Pays The Bills
Making wrong assumptions about your health or ignoring potential health problems can be costly and deadly mistakes.
Without the financial protection that comes with having medical coverage people do not get the kind of good care and medication they need when health problems arise.
Doctors do not work for free, and medicine can be very expensive.
Emergency Room care is good for health problems such as broken legs or heart attacks, but if you have Cancer an ER can only offer temporary relief.
You should never count on using Emergency Rooms as substitutes for ongoing, appropriate medical care.
- If you cannot afford to pay for the best surgeons, you likely will have serious and sometimes deadly problems following operations.
- If you cannot afford the thousands of dollars some medications cost, you will suffer terribly and possibly will die.
This may be blunt, but it is fact.
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2. What Is An Insurance Score?
3. Fire Insurance Tips
4. The Right Way To Sell Insurance
5. Cheap Bike Insurance Without Deposit
Without Health Care Insurance, Your Finances And Your Health Are Not Safe
Honorable Recommendation:
1. Steps to make a Motorcycle Accident Insurance Claim
2. What Is An Insurance Score?
3. Fire Insurance Tips
4. The Right Way To Sell Insurance
5. Cheap Bike Insurance Without Deposit
Without Health Care Insurance, Your Finances And Your Health Are Not Safe
There are people all over this country who suffer every single day with diseases too horrible to imagine.
These are diseases that aren’t going away and cannot be fixed.
You may be thinking right now that this is very sad and that you are sorry so many people are sick, etc.
That is not what I want you to be thinking.
I want you to be thinking that these situations and worse could happen to you at any time, in any place and without warning.
The only one who can protect your health and your finances from such illnesses is you.
You do it by purchasing good health insurance.
So when the AHA becomes fully implemented in January of 2014, make sure you buy the best policy you can afford.
These are diseases that aren’t going away and cannot be fixed.
You may be thinking right now that this is very sad and that you are sorry so many people are sick, etc.
That is not what I want you to be thinking.
I want you to be thinking that these situations and worse could happen to you at any time, in any place and without warning.
The only one who can protect your health and your finances from such illnesses is you.
You do it by purchasing good health insurance.
So when the AHA becomes fully implemented in January of 2014, make sure you buy the best policy you can afford.
There are many reasons for spending your money on health care insurance, not the least of which is that It is the smartest and most responsible thing you can do to protect your health and your finances.
seo What Is An Insurance Score? 2013
Seo Master present to you:
2013, By: Seo Master
An Explanation for the Weary Insurance Shopper
When I worked as a personal lines insurance agent, frustrated consumers would ask me to explain insurance scoring to them on a daily basis. The misconception was that of a scary
number that cost a lot of money and could ruin credit. Although a very complex subject, in this article I will shed some light on the basic concepts of insurance scoring and how your score affects you. I will also share a few tips that may help you improve your score.
number that cost a lot of money and could ruin credit. Although a very complex subject, in this article I will shed some light on the basic concepts of insurance scoring and how your score affects you. I will also share a few tips that may help you improve your score.
Basic Concepts of Insurance Scoring
In this section, the following topics will be discussed:
- Two Types of Insurance Scores.
- Insurance Score Models Are Unique To Insurance Companies Insurance Scores Are Unique To You.
- Policies That Utilize Insurance Scores and the Quote Connection.
1. Currently, there are two types of insurance scores.
- Non-Credit Based: This type includes personal information specific to you and does not consult your credit report.
- Credit Based: This type pulls basic information about how you manage your money from your credit report, and then adds personal information as in a non-credit based score.
If you would like to know which type your insurance company uses, ask your agent. He/she should know or be able to find out for you.
2. Insurance Models Are Unique To Insurance Companies Insurance Scores Are Unique To You
Insurance score models are different for each company and proprietary, so it is impossible to know all the factors included for any company in particular. There are hundreds of factors that go into creating an insurance score. Factors such as where you live, what car you drive, type of coverage you carry, when your policy renews, if you own your home, how you handle your money, age of the drivers, marital status, loss history, driving record, etc, etc, etc, are considered. There is even a company that factor in odd and even residential street addresses.
Each company’s underwriting model is geared toward finding those viewed as their “perfect customer.” Some company models are more youth and/or senior driver friendly than others, and some are more forgiving toward those with blemishes on their reports. Other models will calculate a higher score simply for carrying more coverage or higher limits. The best thing to do is shop around and asks questions. You and your neighbor could live in the exact same house, drive the exact same car, carry the exact same coverage, and be offered very different rates from the same insurance companies. Find a company that is most friendly to your unique information.
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When shopping, you may want to ask the agent:
- Will my initial insurance score stay with me through the life of the policy?
- Will I have a new insurance score calculated at each renewal?
- If I carry more coverage or higher limits, will my score improve?
- If my insurance score goes down, could I be cancelled?
- If my insurance score goes down, could it raise my premium, or is it only considered if it reduces my premium?
If you feel you have nowhere to go but up, you may want to find a company that calculates a new score at each renewal. In most states, a new score at renewal can only be considered if the premium is reduced. In this case, it would work in your favor to have a new score calculated at every renewal.
3. Policies That Utilize Insurance Scoring and the Quote Connection
Personal lines auto and home policies use insurance scoring for underwriting approval and rating. Some companies use scoring for auto only, some home only, and others use scoring for both. Although heavily disputed, it is legal for insurance companies to use insurance scoring of some type in most states.
Typically, insurance companies will honor rate quotes for only 30-90 days because information could change on both sides during that time period. On the company side, rates and underwriting rules can change. On the customer side, loss history, driving record, and insurance scores can change. Your score can change every 90 days. If you are not happy with a quote you receive, you may want to request a new quote 91 days later. A new insurance score will be calculated with the updated premium, and you could be offered a better rate.
How Your Insurance Score Effects You
In this section, the following topics will be covered:
- Credit Based Insurance Scores And Your Credit Score
- Can You Be Denied A Policy Due To A Low Insurance Score?
- Can You Ask To See Your Insurance Score?
1. Credit Based Insurance Scores and Your Credit Score
An insurance score is a numerical system intended to predict the risk of a loss for insurance companies. It is completely different than the calculations used by financial institutions to create credit scores. Your insurance score does not necessarily go up and down with your credit score because information from your credit report is only part of the equation. The role your credit report plays is to determine how you handle your money. Insurance companies are looking for information such as:
- Do you pay your bills on time?
- Have you been through bankruptcy?
- What type of credit accounts do you have?
- How much total credit do you have?
- How much of your credit is used verses open?
- How long do you keep your accounts?
The theory behind adding credit information to insurance score calculations is...the lower a customer's credit score, the more likely the customer is to make a claim. Remember, there are many factors considered in scoring calculations, so having less than stellar credit is not a clear indication that your insurance score will be low.
Please note, when insurance companies pull credit reports to calculate insurance scores, credit scores do not change. Inquiries are processed as a "soft hit" and show as an inquiry only.
2. Can You Be Denied A Policy Due To A Low Insurance Score?
Yes, it is legal in some state to deny coverage or non-renew a policy based on a low insurance score. Insurance rates are regulated by each state, but underwriting guidelines are not. If you are denied coverage due to a low insurance score, you may want to inquire again later. Some insurance companies move underwriting thresholds for eligibility up and down to control how much business they are writing. If you are not eligible with a particular company, check again, you might be next time…especially if your score improves.
3. Can You Ask To See Your Insurance Score?
When an insurance company denies a policy or offers less than their best rate, it is called adverse action. When adverse action is the result of a low insurance score, most states require the insurance company to notify the customer by mail. They are also required to include a list of sources used to determine the score. Insurance companies do not have to share the actual insurance score with you; however, if you believe there is a reporting error, you can inquire and correct it. By contacting consumer agencies that supplied information to your insurance company, you can correct errors and ask the insurance company to pull your reports again. The agency supplying incorrect information should notify the insurance company of the update. A few of the major players are listed in the Helpful Links box.
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Cheap Car insurance in Florida
Documents and What You Can Do To Improve Your Insurance Score
In this section, the following topics will be covered:
- Documents Used To Determine Your Eligibility And Rates
- Tips To Help You Raise Your Insurance Score
1. Documents Used To Determine Your Eligibility and Rates
To determine eligibility and rates, insurance companies use the following:
- CREDIT report for credit based scoring.
- MVR (Motor Vehicle Record) report when applying for auto insurance.
- CLUE (Consolidated Loss Underwriting Exchange) report which lists claims history, insurance company payouts, and is often used with auto and home applications.
- Information that you supply on your application.
Be sure credit bureaus and data suppliers have accurate information on your reports.
2. Tips to Help You Improve Your Insurance Score
In addition to accurate reports:
- Drive safely to keep your MVR and CLUE reports clear.
- Choose higher limits and full coverage when appropriate.
- Choose deductibles that are comfortable for your wallet and still raise your score. Yes, your deductible choices can alter your insurance score.
- Consult with your agent regarding the consequences of submitting small claims.
- Do your best to pay your bills and taxes on time.
- Strive for well-aged accounts and avoid unnecessary inquiries.
As you can see, insurance scoring is quite intricate. The rules vary from company to company and state to state. You may want to do a little state specific research before going shopping. By visiting the NAIC (National Association Of Insurance Commissioners) map, you can access state specific insurance websites.
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Cheap Bike Insurance Without Deposit
Note: This article is not a substitute for legal or insurance agent counsel as it has been written for informational purposes only. Please refer to the professionals in your state for more information that is specific to your needs. Anyway, if this article may help your friend’s then feel free to share with social sharing button and let us know your feedback by comment bellow.
seo Fire Insurance Tips 2013
Seo Master present to you:
2013, By: Seo Master
Fire Insurance Claims
It is important to fully understand what type of coverage you have & how to file a claim before you actually start. Going about things in the wrong way may be cause for denial or lengthening the method of your claim. Filing fire insurance claims is not easy, in fact, there is so much to
do that it could be easy to forget or miss a step. What is more, there could be more damage than meets the eye, so what you need is somebody on your side.
If you are suffering from damage as the result of a fire, then you are likely to have plenty of different questions. Five of the major questions you have is how can you go about filing a fire insurance claim. The first thing you require to do is look over your policy owner & carefully find out what is covered, how much it is covered for, & what else might be included in your coverage.
When you file fire insurance claims there are plenty of things you will require to know & what to find out. First, you will require understanding if the insurance company covers you having to stay in a hotel. If not, you will likely need to make other arrangements. Most insurance policies cover this or at least offer it. While the repairs on your home are being performed, you will have to stay elsewhere, but you will also require finding out how long it will take for the work to be performed.
Yes, when you get the claim method started, the insurance company will send out a loss adjuster. It is important to understand that the adjuster is an employee of the insurance company. They are not on your side; they are on the side of the insurance company & are looking to save them currency. So, it is important that you understand the role of the loss adjuster.
Plenty of insurance companies have a list of contractors & surveyors that they work with. In most cases, they will try to push you in to using these people, as it will save them currency. You may or may not be required to use their affiliates; this is where you will need to check your policy owner closely.
Plenty of people involved in this type of situation look to a claims consultant to help them in this matter. Like the loss adjuster works for the insurance company, the claims consultant works for you. This is a group that is on your side & will help you determine & handle the plenty of tasks that must be performed when filing fire insurance claims.
Filing fire insurance claims is no easy or stress-free task. Having somebody on your side is the first step in making sure that you get exactly what you need, when you need it.
Claims consultants can help you determine what needs to be done, who is going to do the work, & essentially takes care of all the behind the scenes tasks. they will ensure that everything is being attended to correctly, they will make sure you are getting everything that you are entitled to, as well as dealing with all of conferences, calls & meetings that must take place with the suppliers, contractors, surveyors, loss adjuster & insurance company.
do that it could be easy to forget or miss a step. What is more, there could be more damage than meets the eye, so what you need is somebody on your side.
If you are suffering from damage as the result of a fire, then you are likely to have plenty of different questions. Five of the major questions you have is how can you go about filing a fire insurance claim. The first thing you require to do is look over your policy owner & carefully find out what is covered, how much it is covered for, & what else might be included in your coverage.
When you file fire insurance claims there are plenty of things you will require to know & what to find out. First, you will require understanding if the insurance company covers you having to stay in a hotel. If not, you will likely need to make other arrangements. Most insurance policies cover this or at least offer it. While the repairs on your home are being performed, you will have to stay elsewhere, but you will also require finding out how long it will take for the work to be performed.
Yes, when you get the claim method started, the insurance company will send out a loss adjuster. It is important to understand that the adjuster is an employee of the insurance company. They are not on your side; they are on the side of the insurance company & are looking to save them currency. So, it is important that you understand the role of the loss adjuster.
Plenty of insurance companies have a list of contractors & surveyors that they work with. In most cases, they will try to push you in to using these people, as it will save them currency. You may or may not be required to use their affiliates; this is where you will need to check your policy owner closely.
Plenty of people involved in this type of situation look to a claims consultant to help them in this matter. Like the loss adjuster works for the insurance company, the claims consultant works for you. This is a group that is on your side & will help you determine & handle the plenty of tasks that must be performed when filing fire insurance claims.
Filing fire insurance claims is no easy or stress-free task. Having somebody on your side is the first step in making sure that you get exactly what you need, when you need it.
Claims consultants can help you determine what needs to be done, who is going to do the work, & essentially takes care of all the behind the scenes tasks. they will ensure that everything is being attended to correctly, they will make sure you are getting everything that you are entitled to, as well as dealing with all of conferences, calls & meetings that must take place with the suppliers, contractors, surveyors, loss adjuster & insurance company.
What Does My Home Insurance Cover in the Event of a Fire?
Basics of Home Fire Insurance
Generally, insurance providers divide home insurance coverage into one separate components: these being buildings & content. You need to look carefully at your owner because some companies combine both components while others sell each one separately. seldom take for granted what your owner covers, always read the contract carefully.
Fires can have devastating consequences for any relatives. Even if no loss of life or serious injuries are caused from the fire, you may still end up losing a large portion of your belongings & it may very well result in you becoming homeless. Thankfully, if you have home insurance, much of what you've lost should be covered.
With the content component, you will also be able to file a claim for the loss of anything you owned that was inside the house, including electronics, clothing, furniture, appliances, etc. This portion may also cover anything that was damaged in your garage, such as your automobile or lawn care equipment.
If you have the buildings component of your home insurance, then your insurance should cover the repairing of your home's structure or it's rebuilding up to the total amount of your owner. That will also apply to other buildings or permanent fixtures on your property, such as swimming pools or garages. If these parts are damaged from the fire as well then those costs will usually be covered by this portion of your owner. Remember that only the structure of the garage will be covered - not anything that was inside.
With both of these policies, the most important thing to remember is that no matter how great your losses the most you can recover will always be the maximum value of your owner. For example, if your home owner offers protection up to £100,000 then you can only get monetary reimbursement in the amount of £100,000, even if you're out £300,000.
That's why it is always important to purchase the most insurance you can afford. Take an inventory of the value of your property & of the cost to rebuild your home in the event of a fire or other devastation. That should be the amount of coverage you purchase. Consider increasing your coverage every couple of years to account for inflation.
Other Coverage Issues
Fires can have devastating consequences for any relatives. Even if no loss of life or serious injuries are caused from the fire, you may still end up losing a large portion of your belongings & it may very well result in you becoming homeless. Thankfully, if you have home insurance, much of what you've lost should be covered.
With the content component, you will also be able to file a claim for the loss of anything you owned that was inside the house, including electronics, clothing, furniture, appliances, etc. This portion may also cover anything that was damaged in your garage, such as your automobile or lawn care equipment.
If you have the buildings component of your home insurance, then your insurance should cover the repairing of your home's structure or it's rebuilding up to the total amount of your owner. That will also apply to other buildings or permanent fixtures on your property, such as swimming pools or garages. If these parts are damaged from the fire as well then those costs will usually be covered by this portion of your owner. Remember that only the structure of the garage will be covered - not anything that was inside.
With both of these policies, the most important thing to remember is that no matter how great your losses the most you can recover will always be the maximum value of your owner. For example, if your home owner offers protection up to £100,000 then you can only get monetary reimbursement in the amount of £100,000, even if you're out £300,000.
That's why it is always important to purchase the most insurance you can afford. Take an inventory of the value of your property & of the cost to rebuild your home in the event of a fire or other devastation. That should be the amount of coverage you purchase. Consider increasing your coverage every couple of years to account for inflation.
Other Coverage Issues
Of coursework, before the insurance will pay for any damages, you will have to go through the claims methods which can often times be very intimidating. If the cause of the fire is easily identified & is clearly not your fault, then your method shouldn't take too long. Quotes will have to be acquired & you will probably be asked to provide documentation of the items you lost in the fire.
However, if there are any questions about the fire's cause, this could delay your claim. Make sure you have read your owner & know under which circumstances your owner does not have to pay. You don't require finding yourself receiving any unhappy surprises at this time in your life.
Additionally, you will be expected to cover the deductible outlined in your owner before any of your claims can be paid.
However, if there are any questions about the fire's cause, this could delay your claim. Make sure you have read your owner & know under which circumstances your owner does not have to pay. You don't require finding yourself receiving any unhappy surprises at this time in your life.
Additionally, you will be expected to cover the deductible outlined in your owner before any of your claims can be paid.
10 Fire Insurance Buying Mistakes
Fire insurance claims continue to mount each year, despite an unprecedented effort to educate more people on fire safety. Lately two of the biggest pushes i am trying to make is to educate more people on how to buy a fire insurance policy. With fire insurance policies escalating each year, it's important that you educate yourself on the latest buying strategies for purchasing the right coverage for your specific needs. Unfortunately most people put more time, effort & thought on where they'll spend their next holiday than they do on buying an insurance policy.
Probably two of the biggest mistakes people make, aside from the 10 mistakes I'll cover soon, is not staying educated on fire insurance options. The more informed you are about your choices the better buying decisions you'll make in the end. Like most things in life, insurance policies alter, companies expand their coverage, they increase the cost of premiums, & exclude coverage. It's important to keep up to date on any of those changes - if you require to get the most for your funds.
Here are 10 mistakes people make when buying fire insurance coverage.
1. Not taking a large deductible to receive a discount. Typically, fire insurance policies start giving discounts at or above $500. Above the $500 level, the higher the deductible the higher your discount.
2. Mistakenly assuming your fire insurance policy cover contents along with your dwelling. Seldom take for granted what your policy covers, always read the fine print.
3. Assuming your policy covers the replacement cost of personal property items. Some policies cover the actual value of items at the time they were destroyed by the fire. Make sure to read your policies fine print. Replacement cost coverage generally cost more.
- Fire & explosion resulting from an earthquake or other natural event. - Riots or other civil disobedience. - Theft or burglary during or after a fire.
4. Situations resulting from fire that you may not be covered for in your standard fire insurance policy are:
5. Not comparison shopping for the best fire insurance policy & settling for the first agent that offers you a policy.
Check with your insurance agent for further details on your specific policy & dwelling.
6. Not checking the background & reputation of the fire insurance company you select to do business with. What's their complaint record? Claims Record?
7. Not taking advantage of the discount offered by most insurance companies. For example, not having your cars insured with the same company you have your home insured with.
8. Not making a written list, video or photo inventory of your homes contents to give your insurance company should you require filing a claim & establishing value.
9. Not taking advantage of the discount offered by most insurance companies by using smoke, fire & other detectors in your home.
10. Not comparison shopping for a better rate, coverage or discounts at least two times a year.
By avoiding these simple mistakes, you'll give yourself an edge & the proper financial protection not only from fires - but also from fires insurance.
Probably two of the biggest mistakes people make, aside from the 10 mistakes I'll cover soon, is not staying educated on fire insurance options. The more informed you are about your choices the better buying decisions you'll make in the end. Like most things in life, insurance policies alter, companies expand their coverage, they increase the cost of premiums, & exclude coverage. It's important to keep up to date on any of those changes - if you require to get the most for your funds.
Here are 10 mistakes people make when buying fire insurance coverage.
1. Not taking a large deductible to receive a discount. Typically, fire insurance policies start giving discounts at or above $500. Above the $500 level, the higher the deductible the higher your discount.
2. Mistakenly assuming your fire insurance policy cover contents along with your dwelling. Seldom take for granted what your policy covers, always read the fine print.
3. Assuming your policy covers the replacement cost of personal property items. Some policies cover the actual value of items at the time they were destroyed by the fire. Make sure to read your policies fine print. Replacement cost coverage generally cost more.
- Fire & explosion resulting from an earthquake or other natural event. - Riots or other civil disobedience. - Theft or burglary during or after a fire.
4. Situations resulting from fire that you may not be covered for in your standard fire insurance policy are:
5. Not comparison shopping for the best fire insurance policy & settling for the first agent that offers you a policy.
Check with your insurance agent for further details on your specific policy & dwelling.
6. Not checking the background & reputation of the fire insurance company you select to do business with. What's their complaint record? Claims Record?
7. Not taking advantage of the discount offered by most insurance companies. For example, not having your cars insured with the same company you have your home insured with.
8. Not making a written list, video or photo inventory of your homes contents to give your insurance company should you require filing a claim & establishing value.
9. Not taking advantage of the discount offered by most insurance companies by using smoke, fire & other detectors in your home.
10. Not comparison shopping for a better rate, coverage or discounts at least two times a year.
By avoiding these simple mistakes, you'll give yourself an edge & the proper financial protection not only from fires - but also from fires insurance.
Honorable Recommendation:
1. The right way to sell insurance.
2. How to Maximize Car Accident Claims.
seo The Right Way To Sell Insurance 2013
Seo Master present to you:
2013, By: Seo Master
How To Sell Insurance.
So you want to be an insurance salesman but first you need to learn how to sell insurance.
Really things couldn't be easier. First thing you need to do is go to school for 6 months to learn an entire different type of math that you have been learning through your entire school years. Its the math of showing people why they need more and less is never any good.
Now you have to graduate and show the people that you really have grasped the concept of screwing people over. You will be taught how to lie with a straight face and have people believing your every word.
You will have to trade in your jeans and t shirt for a suit and tie to make yourself look important and make it look like you actually have a clue. Don't cheap out on the suit. The better the suit the more believable you are.
On top of all that I can personally guarantee you will make all kinds of money selling people stuff they don't need so you can go out and buy that fancy car before you even get started. After all you don't want to show up at a perspective clients house and look like an everyday person.
Insurance agents can go on like this forever.
The final thing you will need to do is go to the top insurance companies and show them how you are willing to do what ever it takes to empty clients bank accounts and you will have a job. Heck in most cases the company will even reward you with a laptop with all their trade secrets on it. Well really only the secrets you need to convince people their world will end without your many services.
How To Sell Insurance-Lets Start With Vehicles
If you want to learn how to sell insurance then you will almost definitely need to learn all about automobile insurance.
Well you don't really need to learn everything about it. After all what is there to learn. We all know that it is the law to have insurance so everyone has to have it.
Basically you need to punch in a few things into the computer and watch it spit out numbers that are usually reserved for the likes of Donald Trump or Bill Gates.
Now all you need to do is receive the money from the customer who at this point wants to stick a knife in your heart.
To make even more money you may want to sell some different options that you know the customer will never need but you also know its time you bought a new boat so you need to pad the jeans a little bit.
So now you need to learn how to sell insurance that no one needs. Not to worry though, this actually comes quite easy once you pay attention to the little tricks your co workers use.
The biggest and best trick to sell any insurance is always pit one person against the other.
Like tell the husband that without something and if his wife accidentally runs over the cell phone or something like that. Now she wont be covered. So that little option is another 1.33 dollars per thousand.
Beware though. You never want to tell the client that if something happens your company is going to make it as difficult as possible for you to ever collect a red cent.
How To Sell Insurance - Don't let Your House Burn Down
OK, as you move along and learn how to sell insurance better and better you will move into the field of house and contents insurance.
This is where you really learn to make other peoples lives miserable. Its really funny how this all works. You start collecting the money immediately but make the client jump through hoops before the policy ever kicks in.
You let your client know they need a home inspection. Of course the 4 or 5 hundred dollars has to come out of their pockets. Then you let the client know everything that has to be taken care of before the policy will be valid.
Next you have the client running around taking pictures of everything they own. If its not in the pictures then there is no way you could ever get paid out for it.
Of course the best insurance salesman never tells you about any of the clauses either.
In case of wind, snow, rain, fire, robbery, torching, or any act of God and you will not be paid out. You will find that out after the fact.
If you want to learn how to sell insurance you need to look the client right in the face, lie to them and make sure they believe it. Only then will you know you have made the big time.
How To Sell Insurance-Life Insurance
In the world of how to sell insurance once you have mastered life insurance you have hit the big time.
Now you are all about selling people what you want and not what they really need. Its all about trick talking and convincing them that it is never enough.
You start pummeling them with words like term, whole life, clauses and so forth.
You are now an expert at explaining how much money people need if there loved one was to die today. You make sure you sell enough insurance so that the surviving spouse can sit on their butt, get fat and enjoy the greatest things in life.
You become an expert at showing people statistics, you learn all the scare tactics and all so that you can drain their bank accounts.
Honorable Recommendation:
Hell you even learn how to sell life insurance for their children. You make sure you walk out of the house with enough policies to have your brief case over flowing.
You leave the house smiling because you know you just made a pile of money and qualified for the company cruise.
Not once does it ever occur to you that you probably just took your clients mortgage and grocery money. Once you can do all this and sleep at night then its no longer about how to sell insurance but rather about getting dollar signs tattooed on your back.
How To Sell Insurance-The Truth
Well this has been a bit of a spin on how to sell insurance.
The truth of the matter is we all do need insurance. The problem is knowing exactly what we need.
There are a couple of keys when it comes to buying insurance. No matter what anyone says it is okay to shop around. Its okay to educate yourself.
The best and most idea situation is finding an agent you can trust. This person needs to be someone who can take care of all your needs and someone who will sell you what you need and not what they want.
At the end of the day not having the proper insurance can be very devastating and could make life very difficult.
Just try and see past the swindlers who are learning how to sell insurance as opposed to the ones who really care about you.