Business Insurance Agents

A term life insurance policy is often referred to as pure protection, since all you are buying is a death benefit. In a way you are renting protection for the term or life of the policy, say 10 years. If you die during that time, the policy will pay its death benefit.

To make a term insurance policy marketable there are a few elements that make it more like renting an less like “pure” protection.

The premiums are level from the day you buy it until the end of the term. If you actually paid the real corresponding costs your payments would rise each year. In that case, if there was any chance that you could be convinced that you no longer needed the insurance, you would drop it and the company would not make very much money.

Most term life insurance policies are guaranteed renewable before or at the end of the initial term. Insurance companies know that your needs for insurance will last for as long as you live, so they want you to keep paying for insurance far beyond that initial term period.

The benefit to you of the renewable feature is that you don’t need to prove to the insurance company that you are still “insurable” in order to keep the term insurance policy in force for a longer period than the original term. Naturally, each time you renew, the premiums will be higher for the next period of years because you are older and, therefore, more likely to die.

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Technorati Tags: business insurance agents, small business insurance, term vs whole life insurance

If life insurance is ALWAYS the answer, what’s the question?

The question is, “what is the most effective way of adding cash to your business, at the most inopportune  and often the most unexpected time?”

When someone dies, usually a surprise to everybody, cash is required. It’s required to repay loans, it’s required to replace a key person, and it’s required to pay taxes.

Make no mistake about it, cash will be required and it will have to come from someplace.

Where will the cash come from? Will someone drop off a check, will you simply take the cash out of savings, or will you have to raise the money some other way?

In over three decades working with business owners I can count on the fingers of one hand the number of people who had the liquid assets required to pay all the bills.

If you are one of those rare individuals I salute you. I am sure that sort of financial security did not happen by accident.

Let’s face it, these people had to be successful enough to make enough of a profit (after income taxes) to save enough money (taxes again?) and have enough time for it to multiply – thanks to the miracle of compound interest.

Does it make sense to use these dollars – that were so hard to create – to pay taxes and loans? Especially when they could have bought the dollars they would need for these expenses, for literally pennies apiece.

This article is not for those fortunate few, since they are few and far between and have no doubt figured this fact out for themselves anyway.

For the rest of us, what should we do? Well maybe we can raise enough money at a moment’s notice, maybe tomorrow, to pay all the required expenses resulting from a ‘premature’ death.

How’s that going to work out?

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Technorati Tags: business insurance agents, small businesses insurance

Health insurance is one of the biggest costs for small business that choose to support their employees. We have seen 200% grown in premium costs over the last 6 years. It looks likely that republicans will succeed in squashing any significant reform in the health care bill. How many small businesses will go out of business as a result?

Or will they simply drop employee matching leaving the entire cost up to individuals?

The more the better from their point of view as then that will mean that Obama’s reforms are damaging America, or so they will argue. And that means that they can go back to the wonderful healthcare system that no other western nation has!

It surprises me that so many Americans seem not to be aware about Obama’s healthcare plans [a]. During the election, he campaigned for these changes stating that he felt it was unfair to have a system where insurance companies try to escape paying claims and was elected to bring in changes [b].
First of all, too many people do not know that Obama wants to make insurance more available to all. His system is similar to that which works in Holland, Taiwan [c] and Switzerland. It works there and private healthcare companies provide most the insurance to the people there.
FACT – the USA spends more on healthcare PER PERSON than any other nation on the planet [d].
FACT – insurance companies admit that they push up costs, buy politicians and do not pay out for many claims when they should [e].
FACT – the US has higher death rates for kids aged under five than western European countries with universal health coverage [f].

That means that a dead American four year old would have had a better chance of life if they were born in Canada, France, the Netherlands, Cuba, Switzerland, Germany, Japan etc, all of which have universal health coverage. And no western European nation with universal healthcare has moved away from it. And the sad thing is, that the insurance companies have spent loads of money to fight these reforms [g] and loads of politicians are taking the thirty pieces of silver from them to fight the reforms, rather than fight for the health of the American people.

Remember, I back my facts up with evidence. Those who say they are wrong tend not to. If they are wrong, e-mail me with proof and let me know.

Now, before you answer, I KNOW that every guy’s preference is different, so no need to point that out. I just want to know, generally speaking, which of the two is the "hottest" in guy terms. (At first glance, not factoring personality in or anything like that). I am 5′10" and a size 11, and have been self conscious about that my whole life, although I’m not fat and I’ve been told that I could be a model. (Not looking for sympathy or compliments either) I just feel big. I always envy my friends who are all in the 5′3", size 3 range. I just want to know if there are any guys out there who even like tall and curvy anymore or if it’s true that the smaller, the better. Remember, this is in GENERAL, and I know it’s a question always in debate, I just want your guys’ opinions. A simple answer will do. Sorry if my question was confusing.

Personally, I find girls of every configuration to be attractive. I think it is more about proportion than anything else.

There is an insurance business near me and they are always hiring and firing people for telemarketing jobs. Just wonder if all these people have to be licensed to telemarket??? Thanks.

A telemarketer, in order to sell insurance products, must be licensed with the insurance companies, and with the state in which the products are sold.

An agent can hire telemarketers to make calls to set appointments for agents to sell insurance, and not have to be licensed.

There is a big turnover in telemarketers, especially if they are making quotas on appointment setting, which would explain all the hiring and firing.

In order for a person to sell insurance, he/she must be licensed, in addition to having product knowledge to be able to sell the product.

With health care reform legislation being debated in Congress and scheduled for a vote prior to the August Congressional recess, local small business owners are hoping that this reform will help them provide coverage for their employees, and help them stay competitive.

South East Mechanical Service of Hollywood, FL prides itself on providing health insurance for its employees, but with premium increases every year of 10-20 percent and an economic slowdown, the company may have to eliminate their family coverage option for employees.

Patricia Diaz, a registered nurse from Tamarac, FL, knows that regular preventive medicine is the best way to stay healthy, and she has health insurance, but her premiums and co-pays are so high that she cant afford to use it, except in the case of an emergency.

Peter Medvin is an entrepreneur in Miami whose bed business, Zoom-Room, employs 2.5 employees, but Peters new business cant afford to provide health insurance coverage for his employees.

Duration : 0:2:34

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Technorati Tags: Debbie Wasserman Schultz, Health Care, Health Insurance, healthcare, healthcare reform, Larry Cooper, South Florida, Wasserman Schultz

I was in Primerica (formerly the A.L.Williams company) selling term life insurance and mutual funds for 18 months and I got my guts cut out. I made $500 full-time in that year and a half. But I never quit. And somewhere along the way I had a revelation: my number one job in Primerica is to become just like my coach, Art Williams. If I became just like him, and did what he did, I would have what he had. I knew as a coach what he wanted most was for his people to do exactly what he says, so I wrote him a letter, telling him what I was going through, but what he was teaching me and how I understood the difference between winning and losing, and what my plans were for the future. Now Art, who is a billionaire, never met me, has a great family, great relationships, hundreds of close teammates around the world, and had just had heart surgery and was living on borrowed time, cared enough about a loser like me a thousand miles away in another country to write me a letter. Art Williams cared about me, my dreams, my goals, my hurts, and my passions. He captured my heart, and it changed my whole life. He made me feel like a stud, and he made me feel like I can win. I left Primerica because I got called to the ministry, and after a few years of learning and preparing, I am ready now to step out in faith and chase my biggest dreams in life. I still work hard every day to become like my coach, I will never forget the things I learned from him, and I will always have a place in my heart for my dear coach.

I love you, Art.

“A coach that can present to his players a clear and powerful vision can turn individuals into a team and build an empire.”

Art Williams was a high school football coach who got ripped off by the life insurance industry. He led a crusade to destroy the industry. From 1977 to 2003 his company toppled one of the most powerful industries in the world. The A.L.Williams system can be applied to any organization: business, club, boy scout troop, football team, or church.

This is the intro to Coach Art Williams’ latest training session from 2005.

His five-DVD training session is available at his website www.art-williams.net

Duration : 0:0:46

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Technorati Tags: and, art, coach, front, grow, heart, hill, lead, leadership, napolean, primerica, rich, SUCCESS, think, Williams, winning