Your Credit Report and Insurance, Part 1 A growing number of personal auto and homeowners insurance companies have begun looking at consumer credit information to decide whether to issue or renew policies, or to decide what premiums to charge for those policies. This brochure is designed to help you understand, in general terms, how your credit information is being used for personal auto and homeowners insurance, and how it may...more
Your Credit Report and Insurance, Part 2 If I don't know my score, and my score varies from company to company and day to day, how will I know if my credit is affecting my insurance purchases?The FCRA requires an insurance company to tell you if they have taken an "adverse action" against you, in whole or in part, because of your credit report information. If your company tells you that you have been adversely affected, they...more
Explaining the Different Kinds of Insurance Home insuranceThis product covers your home and contents against a flood, fire, flood or break-in for example, or if your pipes burst. Your home insurance policy has to include those just covering the contents of your home, those just covering the actual building you live in, or joint policies, covering both. Motor insurance Finding the right policy and the cheapest car insurance cover can be a tricky process; drivers use the Internet, by telephone, read magazines, watch TV advertisement to get information on savings and offers on car insurance.Owning and driving a car means taking on many risks to yourself and others. When a traffic accident happens, damage, injuries, loss or all of these factors may be inflicted upon you and others. Damage and loss of your property may also occur. Fire, theft, vandalism and natural disasters are other possible risks. Car Insurance protects motorists and drivers against liability in the event of accidents they may cause. It can also provide cover for the motorist's own vehicle.Many different types of cover are available, ranging from third party cover which protects individuals...more
Simplifying Insurance for the Consumer For most of us, insurance coverage represents a love-hate relationship. We hate paying for the premiums, but love having the right kind of coverage when it is needed. We realize that is important to have insurance coverage, but just the thought of contacting different insurance agents, or...more
Savings on Affordable and Reliable Insurance These days insurance have been swarming the four corners of the United States. Whether we like it or not, insurance is a need. Why? There is no denying the fact that one disaster can have a devastating effect on a firm, a family and an individual. It can be damage, bankruptcy and death to...more
Don't Sell Anymore Insurance Policies! Whenever I conduct a workshop or give a talk to a group of agents, I ask how many of them are in the business of selling insurance. Inevitably about 25% raise their hands. My response to them is, "If you're in the business of selling insurance you'll have a hard time succeeding because NO ONE WANTS TO BUY INSURANCE!"No one wants to buy insurance. Not homeowner's, auto, life, health or disability... They only want what the insurance provides. They only want the benefit. Believe me, if people could get the benefits they wanted in some other way, they would. So,... if you "sell insurance" success will be tough. On the other hand, if you're in the business of helping people it's a different story. Now, you might protest that the distinction is simply a matter of semantics, but there are fundamental differences between having a sales focus and having a helping focus.This difference affects pretty much everything a person does along with how they do it. If they have a sales focus, their focus is on making the sale! Everything from the initial contact to the presentation to the close to the follow-up is...more
What's the Purpose of Disability Insurance? If you and your loved ones depend on your salary for support, then you probably need long term disability income insurance.Think about it: if you were to become disabled, even for a few...more
Purchase Protection Insurance Coverage Most credit card companies provide purchase protection insurance for free, as an included benefit of owning their particular credit card. As competition among credit card companies is so fierce,...more
How to stay happily insured after retirement Some people don't understand you and give you a slightly weird look when you tell them that they should not go on with their life insurance plan. They say this – "I can't just...more
Do Online Canadian pharmacies deal directly with my insurance? When ordering your medications from an Online Canadian pharmacy you will most likely be paying out of pocket for your medications. Because Online Canadian pharmacies are...more
Prevent Falling Victim To Lawsuits And Purchase Adequate Insurance If you reside in Irvine you are legally required to carry auto insurance satisfy stated mandated financial responsibility laws. While a majority of drivers on the...more
Illinois Small Cash flow Federal government Wellbeing Insurance plan Guidebook It a thing to think about for people with unique wellbeing desires, which are or else not coated by those of the employer's or the government's....more