Why I Buy A Health Insurance?

A fair number of people in the US have convinced themselves that they don’t need to purchase health care insurance or want its financial protections. Therefore, they do not understand why they should have to buy it.

These people are upset because beginning in 2014, they will be required by law to purchase health insurance or be financially penalized.

Many of them have managed to get by in the past because they have not had health problems, feel they can use Emergency Rooms if serious problems arise or have been able to rely on family members to help them out financially when they get sick.

Some of them may feel they cannot afford to purchase medical coverage.

Others simply do not want to spend the money to buy it.

No matter how such people feel, it is obvious that they are being unrealistic and unfair about their attitudes because the bottom line is that everybody needs to buy health insurance!

Avoiding The Purchase Of Health Care Insurance Creates Many Problems

Many of these individuals have good health histories.

They have never been seriously ill or had to face the financial consequences that come with poor health.

They do not understand (or do not want to understand) that their failure to address their health care responsibilities damages the finances of other people and also has the potential of taking their own lives.

Many assume that because they've never been sick, they will always be healthy.

These are the types of attitudes and thoughts that ruin lives.

Someone commented recently that it is their own business if they choose not to buy health insurance.

Really?

If people don't protect themselves with insurance, who do they think pays when they get sick? Do these people think it is fair to put their personal burdens into the wallets of their fellow citizens?

Interestingly, it is these same people who are screaming the loudest about how unfair the AHA is when it is obvious that they are the very reason the law is requiring all citizens to purchase health insurance!

Health Care Insurance Is Your Only Protection Against Financial Ruin

One day a student of mine came limping into class just before the end of the lunch hour.

I asked him what was wrong, and he begged me not to share what he was about to tell me.

He had rheumatoid arthritis.

He was 14 years old. His parents did not think he would need insurance because he was young and seemed healthy. Once he got sick, insurers refused to cover him because of his “preexisting” condition.

His parents had to file for bankruptcy because of their mistaken attitudes.

The point of this story is that illness does not discriminate.

It strikes people of all ages, and it can show up at any time.

Using youth or current good health as reasons to avoid purchasing health insurance is a serious mistake that impacts many people in addition to the person who assumes he is safe.

In this particular situation, if the AHA had been in force, the parents would have been able to purchase coverage for their son even after he became ill.

Furthermore, they would already have had it because of the legal requirement to purchase it.

Medical care Is Expensive, And Health Care Insurance Pays The Bills

Making wrong assumptions about your health or ignoring potential health problems can be costly and deadly mistakes.

Without the financial protection that comes with having medical coverage people do not get the kind of good care and medication they need when health problems arise.

Doctors do not work for free, and medicine can be very expensive.

Emergency Room care is good for health problems such as broken legs or heart attacks, but if you have Cancer an ER can only offer temporary relief.

You should never count on using Emergency Rooms as substitutes for ongoing, appropriate medical care.

1. If you cannot afford to pay for the best surgeons, you likely will have serious and sometimes deadly problems following operations.
2. If you cannot afford the thousands of dollars some medications cost, you will suffer terribly and possibly will die.

This may be blunt, but it is fact.

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Without Health Care Insurance, Your Finances And Your Health Are Not Safe

There are people all over this country who suffer every single day with diseases too horrible to imagine.

These are diseases that aren’t going away and cannot be fixed.

You may be thinking right now that this is very sad and that you are sorry so many people are sick, etc.

That is not what I want you to be thinking.

I want you to be thinking that these situations and worse could happen to you at any time, in any place and without warning.

The only one who can protect your health and your finances from such illnesses is you.

You do it by purchasing good health insurance.

So when the AHA becomes fully implemented in January of 2014, make sure you buy the best policy you can afford.

There are many reasons for spending your money on health care insurance, not the least of which is that It is the smartest and most responsible thing you can do to protect your health and your finances.

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What Is An Insurance Score?

An Explanation for the Weary Insurance Shopper

When I worked as a personal lines insurance agent, frustrated consumers would ask me to explain insurance scoring to them on a daily basis. The misconception was that of a scary
number that cost a lot of money and could ruin credit. Although a very complex subject, in this article I will shed some light on the basic concepts of insurance scoring and how your score affects you. I will also share a few tips that may help you improve your score.

Basic Concepts of Insurance Scoring

In this section, the following topics will be discussed:

1. Two Types of Insurance Scores.
2. Insurance Score Models Are Unique To Insurance Companies Insurance Scores Are Unique To You.
3. Policies That Utilize Insurance Scores and the Quote Connection.

1. Currently, there are two types of insurance scores.

• Non-Credit Based: This type includes personal information specific to you and does not consult your credit report.
• Credit Based: This type pulls basic information about how you manage your money from your credit report, and then adds personal information as in a non-credit based score.
  

If you would like to know which type your insurance company uses, ask your agent. He/she should know or be able to find out for you.

2. Insurance Models Are Unique To Insurance Companies Insurance Scores Are Unique To You

Insurance score models are different for each company and proprietary, so it is impossible to know all the factors included for any company in particular. There are hundreds of factors that go into creating an insurance score. Factors such as where you live, what car you drive, type of coverage you carry, when your policy renews, if you own your home, how you handle your money, age of the drivers, marital status, loss history, driving record, etc, etc, etc, are considered. There is even a company that factor in odd and even residential street addresses.

Each company’s underwriting model is geared toward finding those viewed as their “perfect customer.” Some company models are more youth and/or senior driver friendly than others, and some are more forgiving toward those with blemishes on their reports. Other models will calculate a higher score simply for carrying more coverage or higher limits. The best thing to do is shop around and asks questions. You and your neighbor could live in the exact same house, drive the exact same car, carry the exact same coverage, and be offered very different rates from the same insurance companies. Find a company that is most friendly to your unique information.

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When shopping, you may want to ask the agent:

• Will my initial insurance score stay with me through the life of the policy?
• Will I have a new insurance score calculated at each renewal?
• If I carry more coverage or higher limits, will my score improve?
• If my insurance score goes down, could I be cancelled?
• If my insurance score goes down, could it raise my premium, or is it only considered if it reduces my premium?

If you feel you have nowhere to go but up, you may want to find a company that calculates a new score at each renewal. In most states, a new score at renewal can only be considered if the premium is reduced. In this case, it would work in your favor to have a new score calculated at every renewal.

3. Policies That Utilize Insurance Scoring and the Quote Connection

Personal lines auto and home policies use insurance scoring for underwriting approval and rating. Some companies use scoring for auto only, some home only, and others use scoring for both. Although heavily disputed, it is legal for insurance companies to use insurance scoring of some type in most states.

Typically, insurance companies will honor rate quotes for only 30-90 days because information could change on both sides during that time period. On the company side, rates and underwriting rules can change. On the customer side, loss history, driving record, and insurance scores can change. Your score can change every 90 days. If you are not happy with a quote you receive, you may want to request a new quote 91 days later. A new insurance score will be calculated with the updated premium, and you could be offered a better rate.

How Your Insurance Score Effects You

In this section, the following topics will be covered:

1. Credit Based Insurance Scores And Your Credit Score
2. Can You Be Denied A Policy Due To A Low Insurance Score?
3. Can You Ask To See Your Insurance Score?

1. Credit Based Insurance Scores and Your Credit Score

An insurance score is a numerical system intended to predict the risk of a loss for insurance companies. It is completely different than the calculations used by financial institutions to create credit scores. Your insurance score does not necessarily go up and down with your credit score because information from your credit report is only part of the equation. The role your credit report plays is to determine how you handle your money. Insurance companies are looking for information such as:

• Do you pay your bills on time?
• Have you been through bankruptcy?
• What type of credit accounts do you have?
• How much total credit do you have?
• How much of your credit is used verses open?
• How long do you keep your accounts?

The theory behind adding credit information to insurance score calculations is...the lower a customer's credit score, the more likely the customer is to make a claim. Remember, there are many factors considered in scoring calculations, so having less than stellar credit is not a clear indication that your insurance score will be low.

Please note, when insurance companies pull credit reports to calculate insurance scores, credit scores do not change. Inquiries are processed as a "soft hit" and show as an inquiry only.

2. Can You Be Denied A Policy Due To A Low Insurance Score?

Yes, it is legal in some state to deny coverage or non-renew a policy based on a low insurance score. Insurance rates are regulated by each state, but underwriting guidelines are not. If you are denied coverage due to a low insurance score, you may want to inquire again later. Some insurance companies move underwriting thresholds for eligibility up and down to control how much business they are writing. If you are not eligible with a particular company, check again, you might be next time…especially if your score improves.

3. Can You Ask To See Your Insurance Score?

When an insurance company denies a policy or offers less than their best rate, it is called adverse action. When adverse action is the result of a low insurance score, most states require the insurance company to notify the customer by mail. They are also required to include a list of sources used to determine the score. Insurance companies do not have to share the actual insurance score with you; however, if you believe there is a reporting error, you can inquire and correct it. By contacting consumer agencies that supplied information to your insurance company, you can correct errors and ask the insurance company to pull your reports again. The agency supplying incorrect information should notify the insurance company of the update. A few of the major players are listed in the Helpful Links box.

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Documents and What You Can Do To Improve Your Insurance Score

In this section, the following topics will be covered:

1. Documents Used To Determine Your Eligibility And Rates
2. Tips To Help You Raise Your Insurance Score

1. Documents Used To Determine Your Eligibility and Rates

To determine eligibility and rates, insurance companies use the following:

• CREDIT report for credit based scoring.
• MVR (Motor Vehicle Record) report when applying for auto insurance.
• CLUE (Consolidated Loss Underwriting Exchange) report which lists claims history, insurance company payouts, and is often used with auto and home applications.
• Information that you supply on your application.

Be sure credit bureaus and data suppliers have accurate information on your reports.

2. Tips to Help You Improve Your Insurance Score

In addition to accurate reports:

• Drive safely to keep your MVR and CLUE reports clear.
• Choose higher limits and full coverage when appropriate.
• Choose deductibles that are comfortable for your wallet and still raise your score. Yes, your deductible choices can alter your insurance score.
• Consult with your agent regarding the consequences of submitting small claims.
• Do your best to pay your bills and taxes on time.
• Strive for well-aged accounts and avoid unnecessary inquiries.

As you can see, insurance scoring is quite intricate. The rules vary from company to company and state to state. You may want to do a little state specific research before going shopping. By visiting the NAIC (National Association Of Insurance Commissioners) map, you can access state specific insurance websites.

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Note: This article is not a substitute for legal or insurance agent counsel as it has been written for informational purposes only. Please refer to the professionals in your state for more information that is specific to your needs. Anyway, if this article may help your friend’s then feel free to share with social sharing button and let us know your feedback by comment bellow.

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The Right Way To Sell Insurance

How To Sell Insurance.

So you want to be an insurance salesman but first you need to learn how to sell insurance.

Really things couldn't be easier. First thing you need to do is go to school for 6 months to learn an entire different type of math that you have been learning through your entire school years.  Its the math of showing people why they need more and less is never any good.

Now you have to graduate and show the people that you really have grasped the concept of screwing people over.  You will be taught how to lie with a straight face and have people believing your every word.

You will have to trade in your jeans and t shirt for a suit and tie to make yourself look important and make it look like you actually have a clue.  Don't cheap out on the suit.  The better the suit the more believable you are.

On top of all that I can personally guarantee you will make all kinds of money selling people stuff they don't need so you can go out and buy that fancy car before you even get started. After all you don't want to show up at a perspective clients house and look like an everyday person.

Insurance agents can go on like this forever.

The final thing you will need to do is go to the top insurance companies and show them how you are willing to do what ever it takes to empty clients bank accounts and you will have a job. Heck in most cases the company will even reward you with a laptop with all their trade secrets on it.  Well really only the secrets you need to convince people their world will end without your many services.

 How To Sell Insurance-Lets Start With Vehicles

If you want to learn how to sell insurance then you will almost definitely need to learn all about automobile insurance.

Well you don't really need to learn everything about it. After all what is there to learn. We all know that it is the law to have insurance so everyone has to have it.

Basically you need to punch in a few things into the computer and watch it spit out numbers that are usually reserved for the likes of Donald Trump or Bill Gates.

Now all you need to do is receive the money from the customer who at this point wants to stick a knife in your heart.

To make even more money you may want to sell some different options that you know the customer will never need but you also know its time you bought a new boat so you need to pad the jeans a little bit.

So now you need to learn how to sell insurance that no one needs. Not to worry though, this actually comes quite easy once you pay attention to the little tricks your co workers use.

The biggest and best trick to sell any insurance is always pit one person against the other. 

Like tell the husband that without something and if his wife accidentally runs over the cell phone or something like that. Now she wont be covered. So that little option is another 1.33 dollars per thousand.

Beware though.  You never want to tell the client that if something happens your company is going to make it as difficult as possible for you to ever collect a red cent.

How To Sell Insurance - Don't let Your House Burn Down

OK, as you move along and learn how to sell insurance better and better you will move into the field of house and contents insurance.

This is where you really learn to make other peoples lives miserable. Its really funny how this all works. You start collecting the money immediately but make the client jump through hoops before the policy ever kicks in.

You let your client know they need a home inspection. Of course the 4 or 5 hundred dollars has to come out of their pockets. Then you let the client know everything that has to be taken care of before the policy will be valid.

Next you have the client running around taking pictures of everything they own. If its not in the pictures then there is no way you could ever get paid out for it.

Of course the best insurance salesman never tells you about any of the clauses either.

In case of wind, snow, rain, fire, robbery, torching, or any act of God and you will not be paid out. You will find that out after the fact.

If you want to learn how to sell insurance you need to look the client right in the face, lie to them and make sure they believe it. Only then will you know you have made the big time.

How To Sell Insurance-Life Insurance

In the world of how to sell insurance once you have mastered life insurance you have hit the big time.

Now you are all about selling people what you want and not what they really need.  Its all about trick talking and convincing them that it is never enough.

You start pummeling them with words like term, whole life, clauses and so forth.

You are now an expert at explaining how much money people need if there loved one was to die today.  You make sure you sell enough insurance so that the surviving spouse can sit on their butt, get fat and enjoy the greatest things in life.

You become an expert at showing people statistics, you learn all the scare tactics and all so that you can drain their bank accounts.

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Hell you even learn how to sell life insurance for their children.  You make sure you walk out of the house with enough policies to have your brief case over flowing.

You leave the house smiling because you know you just made a pile of money and qualified for the company cruise.

Not once does it ever occur to you that you probably just took your clients mortgage and grocery money.  Once you can do all this and sleep at night then its no longer about how to sell insurance but rather about getting dollar signs tattooed on your back.

How To Sell Insurance-The Truth

Well this has been a bit of a spin on how to sell insurance.

The truth of the matter is we all do need insurance.  The problem is knowing exactly what we need.

There are a couple of keys when it comes to buying insurance.  No matter what anyone says it is okay to shop around.  Its okay to educate yourself.

The best and most idea situation is finding an agent you can trust.  This person needs to be someone who can take care of all your needs and someone who will sell you what you need and not what they want.

At the end of the day not having the proper insurance can be very devastating and could make life very difficult.

Just try and see past the swindlers who are learning how to sell insurance as opposed to the ones who really care about you.

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How to Maximize Car Accident Claims

If you are looking for unethical ways to maximize your accident claim, this post isn't for you.  If you are looking to get the most money you can for your accident without lying, cheating, and stealing - read on. 

When you are in a car accident, have a work injury, or any other sort of mishap that was not your fault you are owed compensation for your injuries and a slew of other things.  This post will

show you how to get every penny that you are owed without "gaming" the system.  It involves being very detail-oriented and asking lots of questions.  It will take a little bit more work than just riding it out, but in the long run it's worth it. 

If your situation is very complex, such as a car accident where responsibility is difficult to prove or when there is serious property damage, you may want to seek legal counsel.  Having a lawyer will help you navigate the proceedings and can help you get a much larger settlement (to cover their cost, of course).  If you are unsure of where to turn next you can use a lawyer simply for advice.  This will cost much less than them doing the work for you, and will be very beneficial.

Read on to learn the steps to take to get the most from accident claims.

Document EVERYTHING!

This may sound obvious but do you remember all of the doctor jargon that you heard when you were in the doctor's office?  Probably not.  Don't hesitate to ask for something in writing.  When it is time to submit your accident claim you will need all of the supporting evidence that you can possibly get.  Without documentation of your injuries it will be your word versus the other insurance company's and they will attack like hyenas.

The same principle goes for any out of pocket expenses you incur from this ordeal.  These could be towing fees, storage fees, office copay, or any situation that you have to use your own cash to further the process.  There may be some expenses that cannot be recouped, but save these receipts anyway.

It's also a good idea to organize all of your documentation by type.  Rather than throwing every piece of paper you get into a folder, create multiple folders for each type of expense (medical, auto, legal, etc.) this is going to make your life much easier when it comes time to calculate everything.

Get Multiple Opinions

This principle applies mostly to medical expenses and auto damage.  If a doctor tells you that you're fine, but you still are in pain visit another doctor and explain your circumstances to them. When assessing the damage to your car or putting a value on a totaled car, get multiple estimations.  Use the highest one for totaled cars and best quality repair shop for fixes to present to the other insurance company for your accident claim.  

The point of accident reimbursement is to get your life back to the same quality it was before the incident.  Don't skip a second opinion now because it saves time and be stuck in pain the rest of your life without the money to get it fixed.  The other party's insurance company is going to get the price of your compensation as low as they possibly can, having these extra opinions and estimates will allow you to have a little more ammunition in your negotiations.

Don't Hesitate To Ask Questions

This is a bit of a continuation of the last step, but it's extremely important as well.  Insurance companies and opposing lawyers may make important things that you need to know sound very complex so that you have a hard time understanding them.  This is a classic trick to help improve their case.  If you don't understand what their talking about ASK!  If the second explanation still doesn't make sense, ask again or get it in writing so that you can have someone else analyze it.  Or, even better, bring someone with you who does understand legal jargon.  Having the help in your corner will improve your odds of success with your accident claim.  Don't let them take advantage of you

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Cheap Bike Insurance Without Deposit

Cheap bike insurance is very important for protecting riders from hefty repair and injury bills while traveling on the road. Compared to car drivers, bike riders are much more exposed and easily hurt in a traffic accident. Since no deposit bike insurance is quite cheaper compared to car insurance, it is important for all riders to get comprehensive bike and accident insurance. 

When you compare motor bike insurance quotes online, you need to account for the different benefits bundled into the various third party bike insurance or fully comprehensive plans. For example, the latter will cost more but includes injury and repair coverage for yourself in the event that you are the culprit in a crash. A cheap bike insurance may cost more in the long run if you are not insured for damages that are very likely to happen to you.

Short Term Motorcycle Insurance Young Riders Under 21

Especially for new and inexperienced scooter riders, you may want to buy cheap short term motorcycle insurance to avoid paying out of your own pocket for repairs on your bike and the other party's damages.

For example, young riders below 18 years old often groan at the supposedly unfairly expensive motorcycle insurance they have to pay and try to reduce these costs by buying only the bare minimum third party motorbike insurance. However, it has already been established from statistical data that young drivers around 16 to 18 years old or those with less than 1 year of riding experience are three times more likely to be involved in a road accident. You may save $10 a month by buying only third party bike insurance, but who is going to pay that $1000 repair bill to overhaul your crashed motorbike?

Reduce Your Motorcycle Insurance Rates

To get cheap no deposit bike insurance, do the following if it is possible. If you have a personal garage or shed, always park your bike in it. This effectively lowers the probability of theft or vandalism since it is always safely locked away compared to parking in an unattended car park. If you are buying fire and theft bike insurance, this will get you cheaper motorcycle insurance rates. This is especially important if you live in a high crime rate neighborhood where motor bike theft or being set on fire are common occurrences. 

Go for second vehicle discounts on your existing plans. For example, Churchill Short Term Car Insurance offers 10% insurance rate discounts when you insure more than one vehicle under the same policy. There are some motorcycle insurance plans that offer low mileage discounts. If you only use your bikes on weekends or your workplace is only a few miles away from home, then such cheap bike insurance will be beneficial to you. If you maintain a safety driving record without any accidents or claims, you will get discounts on your next policy renewal. 

If you are using only your bike as a means of transport and not trying to impress anybody or win a race, a cheaper $700 Tank scooter means cheaper insurance rates. This is expected since expensive motorcycles are more expensive to repair in the event of damages or theft hence they command a higher premium. If you are already comparing motorbike insurance quotes online, you may as well buy online. For example, Tesco Car Insurance With No Deposit is known to offer 10% discounts on motorcycle insurance rates when you buy online because they are passing the commissions paid to agents back to the consumers.

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You can also get cheap motor bike insurance rates by increasing your deductible or coinsurance. This is the amount you need to pay for damages and repairs before the insurance coverage kicks in. If you have been driving safely for many years and never got into a crash before, this is a good money saving strategy because you can get big discounts on the premiums. However, do not be too aggressive in adjusting your deductible. Make sure you can afford that deductible for your cheap bike insurance in the event of a crash or you will not even be able to send your motorcycle for repairs.