Insurance agents are held to a very high standard in the insurance and financial marketplace. They hold a lot of financial responsibility and obligation to their clients. Agents plan out a client's portfolio including investments, retirement and life insurance. In order to stay current with industry trends, new products, and state laws many professionals complete their continuing education online. Insurance continuing education benefits both the agent and the customer. The more knowledge an agent has the better. It would not be an ideal situation if a client asked about a new product the agent had never heard of. The more the producer knows the more products they can sell.
Tuesday, February 28, 2012
Sunday, February 26, 2012
Five Tips for Dealing With Problems With Your Insurance Claim
Insurance is meant to help us all feel safe, protected. Unfortunately, processing a claim after a major event can often become a nightmare of bureaucracy, confusion, and even double speak. What should you do when your insurance claim turns into something out of a horror story? Here are 4 tips on what to do when you encounter trouble with an insurance claim.
Know your policy back and forth - Be honest, you probably didn't read all the fine print when you signed your insurance agreement, did you? Now that your claim is at stake, you need to familiarize yourself with all the ins and outs of your policy. It will help you in your communications with your insurance companies and any other professionals you may need to consult.
Know your policy back and forth - Be honest, you probably didn't read all the fine print when you signed your insurance agreement, did you? Now that your claim is at stake, you need to familiarize yourself with all the ins and outs of your policy. It will help you in your communications with your insurance companies and any other professionals you may need to consult.
Thursday, February 16, 2012
What Is a Term Life Insurance?
Term insurance in its simplest form is life insurance that stays in effect for a specific number of years. The most common range is from 5 years up to 10 years, and can go up to 30 years. After the time period is up, the policy ends. If the insured person dies within the time period of the plan, the beneficiary listed in the policy would receive the full value of the policy.
Permanent policy
Most life insurance companies have the option to convert the term policy into a permanent policy within a specific period of time. For example, there may be an option to switch within the first 4 years of the policy. This clause is particularly attractive in case you have developed some type of ailment or disease that prevents you from buying additional life insurance. If the term insurance policy includes a conversion clause and it is still within the period you can convert to permanent, then you may do so even though your medical condition may not qualify you under normal circumstances.
Other life insurance policies
Permanent policy
Most life insurance companies have the option to convert the term policy into a permanent policy within a specific period of time. For example, there may be an option to switch within the first 4 years of the policy. This clause is particularly attractive in case you have developed some type of ailment or disease that prevents you from buying additional life insurance. If the term insurance policy includes a conversion clause and it is still within the period you can convert to permanent, then you may do so even though your medical condition may not qualify you under normal circumstances.
Other life insurance policies
Wednesday, February 8, 2012
Global Student Insurance
Studying within the country might not be what many students love. Instead, some students prefer to study overseas. For students who would love to further their studies abroad, it is good that they get global student insurance. This has a lot of benefits to offer them during their courses.
Actually, this type of insurance is meant only for students in the U.S. However, citizens working in the education sector abroad as well as faculty members also get benefit from this plan. Health issue may pose a lot of challenges while abroad. Climate and dietary intake are two major contributors to this.
As a result, the global student insurance also caters for health care of the international students. Various health issues are in the package. They include; inpatient hospital services, drug prescription, inpatient mental attention and physician visitation. Maternity services are also part of it.
Actually, this type of insurance is meant only for students in the U.S. However, citizens working in the education sector abroad as well as faculty members also get benefit from this plan. Health issue may pose a lot of challenges while abroad. Climate and dietary intake are two major contributors to this.
As a result, the global student insurance also caters for health care of the international students. Various health issues are in the package. They include; inpatient hospital services, drug prescription, inpatient mental attention and physician visitation. Maternity services are also part of it.
Wednesday, February 1, 2012
Tips For Getting Most Out Of Your Comparison Shopping For Insurance
Covering the damages you might cause in an auto accident means maintaining excellent auto insurance coverage. The money you may have to come up with out of your pocket if you do not have coverage and are involved in an accident could be extremely expensive. Read these tips for getting the most out of online insurance reviews.
The internet had made many things possible and getting enough coverage quotes for making an informed choice about an auto policy is one of those things. Being able to sit down in the comfort of your home while looking through companies for your coverage does have several benefits. Choosing important parts of your policy is easier when you are relaxed and not sitting in an an office full of other people.
The internet had made many things possible and getting enough coverage quotes for making an informed choice about an auto policy is one of those things. Being able to sit down in the comfort of your home while looking through companies for your coverage does have several benefits. Choosing important parts of your policy is easier when you are relaxed and not sitting in an an office full of other people.
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