But did you know that the career life agency is setting you up for failure. I will even bet you that you can’t make it four years even if you have some money you can get your hands on. How about I bet you that you . . . → Read More: Never Ever Become a Life Insurance Agent]]> Never Ever Become a Life Insurance Agent

But did you know that the career life agency is setting you up for failure. I will even bet you that you can’t make it four years even if you have some money you can get your hands on. How about I bet you that you only have a 10% chance of survival? Better yet, change that chance of success to 6%, I’m betting that 94 out of 100 newly recruited agents will not see their 4th insurance anniversary.

Don’t call me Dr Doom; I’ve done over 25 years of homework and intense analysis to be right. Now ask the insurance agent and the career insurance agency who is at fault for the failure. The agency will always blame it on the agent; the agent will blame the career insurance agency. Whose fault is it? 50% percent of the time it is the agency and the new insurance agent’s fault combined. The agent should not have applied for the position, and the recruiter should not have hired him. These new recruits are “order takers”, they can complete a sales application form, but this is a far distance from selling an recruiting skills.

The rest of the time, I would put the blame almost entirely on the career agency system. Good thing I’m no longer an insurance agent. Career agencies would like to gag me and hang me from the nearest tree for bringing to light the truth.

What really irks me? Almost all the career life insurance agencies use a similar plan with recruiting agents and handling them during their rookie years. How can any agent succeed with the statistics stacked so high against him, and the agency unwilling to take blame or make changes?

Let’s look first at the hiring system. Career agencies hire new agents two ways. The first is a good size ad in the local Sunday newspaper promising lots of income and plenty of benefits. The other is a recruiter hired by the career agency to attend job fairs and similar events to talk to college seniors. Chances are the college insurance recruiter may have never sold an insurance policy. With the agency running the classified ad, the sales manager is good at selling, but does not have a successful recruiting track record,

It does not matter much which way hooked you into responding, your chances are terrible. Does it really hurt the insurance company if you fail? You can get my opinion and analysis in an upcoming report “Agents stock the insurance company freezer”.

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The Consolidated Omnibus Budget Reconciliation Act of 1985, or COBRA, allows unemployed workers to keep their health insurance from their previous employer for up to 18 months.

Up until the 15-month subsidy was approved last year as part of the federal economic stimulus bill, . . . → Read More: Cobra Health Insurance]]> [removed][removed]

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The Consolidated Omnibus Budget Reconciliation Act of 1985, or COBRA, allows unemployed workers to keep their health insurance from their previous employer for up to 18 months.

Up until the 15-month subsidy was approved last year as part of the federal economic stimulus bill, laid-off workers were required to pick up the full premium. With the subsidy, the unemployed paid 35 percent of the cost.

That subsidy is now at risk while the U.S. Senate considers whether to extend it. It was eliminated from one jobs bill but is included in a second jobs bill. The Senate, however, has not decided which bill it plans to hear, said Cheryl Fish-Parcham, director of health-care policy for Families USA.

If the subsidy is allowed to expire, no one laid off after Feb. 28 will be eligible for the reduced premiums.

That could mean many won’t be able to afford the premiums and would join the growing rolls of the uninsured, according to Families USA, a national organization for health care consumers.

Throwing a lifeline

The federal subsidy “gives people a small margin of hope,” said Terra Eyl, a career transition specialist with the Larimer County Workforce Center in Fort Collins.

Without the subsidy, COBRA premiums can cost upwards of $1,000 a month making it unaffordable for most families trying to live on unemployment benefits.
Even with the subsidy, COBRA payments can be unaffordable for people, particularly those with lower incomes, Eyl said. “But a small margin of hope is better than no margin, in my opinion.”

Families USA estimates an additional 57,500 Coloradans became uninsured last year when they lost their jobs. And, although economic recovery appears to be under way, economists agree job growth is still a long way off, meaning the unemployment rate is likely to rise this year.

One quarter of Larimer County residents between 18 and 65 were uninsured at some point from 2005 through the end of 2007, according to Health District of Northern Larimer County, the latest statistics available.

The best way for you to make sure that . . . → Read More: How To Get The Cheapest Car Insurance Rates]]> When we hear the word cheap, we often associate it with “low” or inferior quality.  Yet it doesn’t have to always be the case.  Here, we will help you find the best auto insurance that suit will your needs as well as your budget.

The best way for you to make sure that you’re getting the best rate possible is to shop around and get several quotes. Ask around. Getting a reference from someone might be the  answer to what you are looking for.

Risk is one key element that insurance companies use to determine the rates that they give. Risk which means the possibility of you and your car being involved in an accident. There are certain age groups and other categories that often receive lower rates. People who are twenty-five or over, especially married men, younger drivers who have successfully passed their driver’s ed course and people with respective careers like lawyers, professors and engineers. Students that perform well in school can also get lower insurance rates.

Online shopping is also a great source to ensure you get the best rates available without ever sacrificing quality. You can get several quotes at a time by applying online. Some even list more than one car insurance company on their site for a quick reference. Also, make sure you have an idea of what risk range you belong to. Of course, you don’t expect an excellent rate if you are 19, male and drive around a Jaguar. That would be unrealistic. On the other hand, however, being married with children and driving a family car should give you a far better offer than the former.

When you do shop around, make sure that you compare the same kind. Like and like.  Apple for apple. Ask around how claims are processed, approved and paid.Getting involved in a certain group or organization can give you a discounted rate. Many companies offer a discount on car insurance for being a member of certain organizations. They can range from credit unions, college fraternities/sororities or by just having a certain credit card. Most insurance companies also give discounts if you carry your auto and home or renter’s policy with the same company. This is what they call “bundling”. The discount can be anywhere from 5% to 20%.

The area where you live in also plays a major role as to how much an insurance company would charge you. People who always use their car during rush hour in highly populated areas are more at risk than those drivers in the countryside of getting involved in an accident. Also, another way to have lower insurance rates is to own and drive a car that has the highest manufacturer’s safety rating.

Like every major purchase, car insurance needs to be properly researched and make sure that you get several quotes from different sources possible before you make that final step.

If you have a 10-year–old car, that’s worth a $1000, and your deductible is $1000, the coverage is not going to help you. You may want to think about dropping the collision or comprehensive coverage, or both, on your policy.  This is one of the best ways of getting cheap auto insurance.Yetlittle do they know that the higher your collision and comprehensive deductibles, the lower you auto insurance premium. You can save hundreds of dollars off your insurance premium if you increase your deductible amount, to say, example, from $250 to $1,000.

Having cheap car insurance should not mean little or no insurance at all.  When you file a claim, the deductible is the amount that you need to pay first before the insurance pays any remaining balance. Most of the time, people choose to pay a lower deductible, so when they submit a claim, their out-of-pocket expenses are minimal.

Until something unexpected happens that’s the time you’d realize that you do need . . . → Read More: What Are The Benefits Of Pre-Paid Legal Insurance?]]> The reason why we all need insurance is simple. It’s for our own protection. Some people would say they won’t use it anyway, so why pay for something that you wouldn’t use? It’s going to be a waste of money.

Until something unexpected happens that’s the time you’d realize that you do need insurance. It’s too late. Damage has been done. What’s worse is, your out of pocket would be so big that it would ruin your budget more so, might wipe up your entire savings. For that reason alone, you might want to continue reading as to why you would need Prepaid Insurance and what benefits will you get out of it.

If you haven’t heard of prepaid insurance before, it’s very similar to having regular insurance. The main difference, as many would agree is the amount that a member pays to be covered. A prepaid legal insurance service plan provides consumers with some legal services at no cost, some on reduced rates by just paying the monthly premium, membership fee or other add on charges. When you avail of prepaid legal insurance service, you get to have access to a wide range of legal services at set costs.

Prepaid legal insurance generally provide free unlimited phone consultations, document or will reviews and reasonable discounts on legal services, written fee agreements and grievance procedures. There are thousands of prepaid legal companies offering several types of plans, which offer different amounts of legal services at adjustable costs, to be able to meet a specific income need.

Prepaid legal service insurance is a very good alternative to hiring a lawyer for many people or companies. If we were to avail of this prepaid legal insurance, what do we get out of it? Here are some of the benefits of having prepaid legal insurance. It is cost effective, simple, and pre-empts the law.

Because most lawyers’ fees except pro-bono are too expensive for most people, prepaid legal insurance service can take the burden out of hiring a lawyer. Lawyers’ fees are most of the time too expensive for most people. Your bill can run into thousands of dollars and this is simply not affordable for most common working and middle class families. Having prepaid legal insurance plans, it’s similar to paying your health or home insurance. It can start as low as $9 per month and won’t exceed the $30 benchmark.

There are a lot of fees very complicated to the common ear that lawyers charge. Contingency fees, statutory fees, flat fees and hourly rates make up what the lawyers usually charge you with. You have to get into the sophisticated details on how these fees are computed, like for example, how much is lawyer’s commission on contingency fees? How about their regulatory nature? Who regulates the statutory fees and how do you know that these fees are in line with regulatory guidelines?

There are other types of fees that can be as confusing as the two mentioned earlier. Lawyers would tend to incorporate all the overheads they incur, like secretary’s salaries, parking expenses and other travel fees into their flat and hourly rates. They would also set a minimum number of billing units, like three tenths of an hour or 18 minutes, regardless of how long they will be able to solve your problem. This is just an example of what influences the lawyers as they charge various fees.

They also consider different factors and other ar [removed][removed] rangements that apply. On the other hand, prepaid legal insurance service is much more straightforward and simple. You will sign an agreement to pay a fixed monthly fee or premium and that’s it. If the service that you need is not covered under the list of services, just like ordering ala carte from the menu, you get to pay a little extra for that particular service. Provided you will be given a separate billing so that you know exactly how much you will be charged. 

Prepaid legal insurance service offers unlimited phone consultation and advice. The purpose of this service is to save you money, time and trouble in the future. Most legal problems that you face daily can be solved if you take the right steps in line with the law. With the sound advice and consultation with your lawyer, you can expose legal blunders before they even occur and would minimize the risk of court prosecution or proceedings.

There’s some companies that offer prepaid legal insurance as part of their fringe benefits to their employees. This is called pre-paid group insurance. It is a low cost service and easily administered and has a high perceived value for the employees. The first benefit employers will expect from prepaid legal insurance plans is efficiency and increase in production. Most employees today are interested in a variety of benefits to balance their work with their lifestyle.

Given that most American household had issues with the law might have led them to hire a lawyer, then it’s only normal that a legal benefit would increase the employees’ morale and work efficiency. Because of this benefit, employers can retain the best employees and hire better ones. In these times, most employment candidates base their career choices on the set of benefit package provided by the employers.

Cost containment is also considered as a benefit. With less time and money to be used for personal matters, the company expects to make significant savings on administrative costs.

On a nutshell, having prepaid legal insurance plans look like an excellent solution to face the majority of your company’s legal concerns.

She is the newest Progressive Insurance performer, Stephanie Courtney. Her character is a cashier called Flo in the newest advertising campaign of Progressive Company Auto Insurance.

With all the fuss around her, let’s take a glance into who Courtney is. This recent Progressive Insurance performer was born on February 8, . . . → Read More: New Progressive Insurance Actress Who’s Creating a Stir Worldwide]]> Who is she?

She is the newest Progressive Insurance performer, Stephanie Courtney. Her character is a cashier called Flo in the newest advertising campaign of Progressive Company Auto Insurance.

With all the fuss around her, let’s take a glance into who Courtney is. This recent Progressive Insurance performer was born on February 8, 1970. She has brown hair and just recently married Scott Kolanach.

The recent Progressive Insurance actress is really a stand up humorist from Stony place, New York; and a graduate from the Neighborhood Playhouse of New York City.

She jumpstarted her career as a comedian by relocating to Los Angeles and accepting gigs on the numerous Hollywood comedy houses. Our recent Progressive Insurance performer afterward switched careers to become an actress.

She is renowned for her roles on several TV Programs, which includes the voices of Renee, the Receptionist and Joy Peters on adult Swim comedy, Tom goes to the Mayor (2204-2006), Marge on the AMC drama Mad Men(2007), and as Diane on ABC comedy Cavemen(2008).

As the recent Progressive Insurance actress, Courtney is also a foremost member of the groundlings comedy troupe which is liable for kick starting the careers of Jan Hooks, Phil Hartman, Will Ferrell and other Hollywood notables.

Courtney’s CV includes “Those Courtney Girls”, Aspen Comedy Festival, and “Hooray for America”. She has worked with the casts of Saturday Night Live in the following film roles projects “Melvin goes to Dinner”, “For Your Consideration (2006), The Brother Solomon (2007), and Blades of Glory.

In 2003, she won the Cooper Wing prize at the Phoenix film Festival with the ensemble cast for the comedy Melvin Goes to Dinner.

Our new Progressive Insurance performer, Stephanie Courtney has been invited to play her stand up act at the Aspen Comedy Festival twice. She moreover performed in Aspen in “Those Courtney Girls”, a show she co-wrote with her sister, Jennifer, and in the Mr. Show Tour, “Hooray for America”.