Insurance Companies

I am working as a financial representative for a top rated insurance company. We offer a range of products, but I mainly deal with life insurance, disability income, and long term care. My client base is solely built off of referrals and I am having problems getting enough names. I am looking for some good ways to meet more business people around Denver, and grow my business.

Join the local Rotary International, Lions International, Giants International and The Round Table if you can. All these places attract the top echelon of a city. Ask your wife to join Inner Wheel, etc. In fact join as many clubs, associations or joints where people meet for any reason. You may also join clubs like the laughing club, the flowers loving club, the birds loving clubs, Save the tiger club, Parents and teachers association at the local schools, the morning walkers / joggers club. In fact as I said earlier, wherever people meet for any reason. If u do the above just see after a given period u will keep on getting prospects on the phone seeking your help. Join the local church/ temple too. Join the trade associations too. Best of luck. For furhther guidance email me.

Make an itinerary for a week on how many new prospects yu shall see in a given week, how many followups and how many closings. Die hard to achieve what you may have planned. Make as many cold calls as possible. The referrals are the bloodline for the insurance business. Allways ask for references. Create COI (Center of Influences), persons who will continuously give u list of their friends. Answer to thier needs, do not stick with one company, if a client wants a particular product from a x company get it for him.

I have three old insurance policies that are paid up. I want to cash them in for the face value. But the insurance company from which they were purchaced no longer has a listing in any directory. Where do I go to get my money?

Unless a life insurer has liquidated (which is very, very rare)…there is going to be a successor company.
In almost every state, there is an insurance trade association.
You should find the one for the state you are living in and call them. They have books that have successor companies in them and most trade associations can find out which company is now obligated to handle your claim.
Once you find out, call the successor company and tell them you wish to make a claim against a predecessor company.
They’ll gladly pay the claim. Good luck!

I need to find Insurance that is affordable and covers Pre exisiting injuries, maternity coverage, and dental care. Anyone know a company that does that?

Yep, welfare health insurance.

That’s it.

No "real" insurance company could stay in business, if you could wait until AFTER stuff went wrong before you bought the coverage. No one buys maternity unless they want to use it, so it’s basically prepaid, with long waiting periods.

And, for the record- dental is a different policy than health.

there any other way to interpret this

Yes you are the only country to do this.

First of all, Obama is not going to bring in universal healthcare. He wants to make insurance more available to all.

Second, of course universal health-cover sucks. That is why we in Western Europe have it. We think, hmm, our healthcare system sucks. I know, lets keep it. I guess that is the same with Japan and Canada as well.

FACT – the USA spends more on healthcare PER PERSON than any other nation on the planet.

FACT – the US has higher death rates for kids aged under five than western European countries with universal health coverage.

That means that a dead American four year old would have had a better chance of life if they were born in Canada, France, Cuba, Germany, Japan etc, all of which have universal health coverage.

insurance company is responsible for our medical expenses in the event we are injured in a car accident. What are the pros and cons of each choice?

NJ is a PIP state so your insurance will not increase for injury claims in a not at fault accident. So, that is not an issue. If you request that your auto insurance is primary, there IS a deductible and copayment and the PIP medical expense coverage is limited to $250,000 (at least that is what it used to be, I don’t think it has changed recently). The premium savings to make your health insurance primary used to be in the neighborhood of $20 per year, not worth it. You would have to ask your agent for a quote.
You can still always go to your health insurance if you use your PIP up & need more coverage.
The problem with health insurance being primary is that most health insurance policies have a lifetime maximum benefit (used to be $1,000,000 & I some are $2,000,000). The PIP coverage is per accident with no lifetime maximum, so technically, you can have several accidents over the years, use you maximum PIP benefit & it will still be there for the next accident. If you had used your health insurance, every accident decreases the lifetime maximum. What if you had a serious accident & then a serious disease? You may run out of health insurance.
I personally would leave your auto accident related medical with auto insurance as primary & save your health insurance for other accidents (falling, stitches, etc) and disease.
Also, medicare & medicaid may not allow you to use them as primary in an auto accident, you would have to check with them if you were considering this.

I am in the market for a car and found the SMART car, it hasnt come over the pond yet, but im really interested in purchasing it when it does. a few things first im a first time driver. is this a good car for a first time driver. second anyone drive the smart car any pointers like are you happy with it, ect and third in teh USA does anyone know if any insurance companies will cover a first time driver with a SMART car. thanks a bunch

I’ve seen this smart car and i too am considering it. I should think the big ins cos will cover it provided it meets all the safety standards in the U.S. There’s been little to no hype about this car in the U.S. I am waiting for a complete review by Edmunds.com. As far as it being a good car for a first time driver, I should think so. Good luck.

There are several great companies that can provide you home insurance but as far as which company will provide you the best rates that depends on several things such as:

Type of home, distance from fire department, condition of the home, etc, etc.

I would suggest that you read the following article: "Homeowner’s Insurance Common Questions"

Also you may want to visit the Department of Insurance site for the state of Oregon. Most state department of insurance sites have consumer articles that are geared to help consumers make the right choices.

You can find a link to your states department of insurance located at the bottom of the following site: http://www.InsuranceEasy.org

• Prudentialife Plans, Inc.
• Ayala Life Assurance, Inc.
• First Filipinas Insurance Brokers Corporation
• Government Service Insurance System
• Permanent Plans, Inc.
• Philam Group of Companies
• The Professional Group Plans Corporation
• Yacht Insurance in the Philippines

With so many companies and websites to choose from, how does the average person know which company has the best service–along with reputation ? In addition… Is ‘Primerica’ truly the "top of the line" as they claim to be ??

There are a lot of well rated companies out there that also have incredibly competitive rates: West Coast Life, Genworth, Prudential, John Hancock, Lincoln Financial, Lincoln Benefit, Transamerica, AIG, MetLife, etc. I would suggest shopping for price and then looking at the financial ratings and reputation of the top 3-5 to find the best fit for you.

One of the reasons that keeping your insurance and investments separate makes sense is because it is rare to find an investment person who is really savvy about insurance and vice versa. Both are very complicated fields in their own right.

I want to change insurance company from Norwich Union as I have had awful bother trying to amend details on car, house and particularly travel insurance, and talking with people who I have difficulty listening to and talking to accurately, and who can rarely give me answers anyway.
Now it is very similar with BT in terms of email customer service based in India.
Before I change companies for phone or insurance I want to know I’m not going to have the same problems I’m trying to escape from.

Phone the companies for a quote, you might be able to tell from the person who answers if they are a British based call centre or a foreign based one.