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In America today, most of us depend on health insurance to cover the majority of our fees for health care from our specified providers. We get insurance coverage through our employers and on an individual basis.

The questions are:

How good is my coverage?

Why is my doctor not on my plan?

Why are there limits on the types of services I can receive?

Unfortunately, insurance carriers limit their provider rosters and therefore not all medical providers are “in network” on all insurance plans. It appears that the insurance carriers develop an exclusive “club” letting some join and others not. Additionally, the carrier s rosters are not always up to date and therefore perpetrate an illusion of their insurance provider participation as “full”, when in fact, some providers have retire, moved or even expired!

Our experience, that even when notified of incorrect information in Provider Directories that are posted on the internet, insuranc (more...)

Are your service expectations high enough? The answer is probably “no”. This isn t a conscious decision on your part but more likely a result of not knowing what those expectations should be.

Oftentimes, I visit with a prospective insured and inquire how things are going from a service standpoint. Very rarely do I get something other than, “everything is going great, they give me excellent service. Whenever I have a problem they respond in a timely manner. They call me a few times a year to make sure everything is going well and then I meet with them a couple of weeks before the renewal to see what my price is going to be for the upcoming year. I really just want to make sure I m not being overcharged. Can you just give me a price?”

Sound familiar? Take the relationship part out of the equation and really think about what service(s) you are truly receiving. Is it reactive or is it proactive service? If you are calling them to resolve service items then I cer (more...)

The goal of all insurance agents is to be able to sell annuities, just ask them. Annuities are the most profitable product we can sell and one which has tremendous benefits for those who buy them.
The appeal of selling annuities can be irresistible, the products are valuable and beneficial, the commissions are significant and the future service commitments are low. If I make a decision to become an annuity salesperson and make them my primary market, how would I go about it? How could I find people who would buy them and get benefit from them?

Obviously I need prospects and prospects I could see under a favorable basis. The hardest part is finding the prospects, not selling them. What might be my choices be for finding them?

- Senior Seminars can be a good choice but the upfront expenses can be high.

- Referrals from professional groups are very hard to obtain regardless what the annuity marketing companies tell you.

- Cross selling your data base works if you have (more...)

When purchasing New Jersey car insurance there are many decisions you will have to make. You need to understand what kind of car insurance coverage you need and how much you can afford to pay. New Jersey car insurance will have no trouble meeting your needs but you, yourself, must know what you need in insurance for New Jersey driving before you purchase. Just keep in mind that there are many options for Nj insurance available with all the different companies selling insurance.

When purchasing NJ car insurance, there are some things the agent is bound by law to inform you. For New Jersey car insurance you have three coverage choices called “Insurance Scenarios”. The car insurance agent this will let you know how each choice may affect your policy and what you pay for benefits if you happen to have an accident. He/She should tell you that you can cancel your car insurance anytime you want, for example, if you find better car insurance with another car insurance company.

You can al (more...)

Term life insurance does not build any kind of cash value, which makes it an original type of life insurance and considered pure insurance protection. Unlike whole life insurance, term life insurance is only temporary and only covers a specific term, or a specific period of time in a person s life. Benefits will go to a beneficiary only if the insured person dies during that specific window of time.

Term life insurance is usually the cheapest way for people to purchase a death benefit package on a per dollar basis. The reason for this is because the term will expire and the insurer will not have to pay out.

It is recommended that people should purchase term life insurance with the Theory of Decreasing responsibility in mind. The Decreasing responsibility theory is provided that the insured person or persons realizes and understands that any and all financial responsibilities are only temporary and that they should purchase insurance to compensate for these responsibilities.

The ea (more...)

Life insurance settlements are a relatively new twist by the life insurance industry as a way to add additional flexibility to ordinary life insurance policies. In the past when a policy holder s life situation made his or her whole life policy out of date, it could be surrendered for its accumulated cash values. Those are the values stipulated in the policy itself plus any accrued dividends, interest etc.

Now if you want to surrender your life insurance policy for its cash value there is another range of options provided by a secondary market in life insurance policies, compared to just cashing in the whole life insurance policy directly with the company that sold it to him in the first place.

Now a life insurance policy holder has the option of selling their unwanted life insurance policy to a third party company and invest the resulting life insurance settlement in other investment opportunities that are more in line with their financial plan.

In other words it is now possible to (more...)