Achik Spin passed away

Singer and actor Abdillah Murad Md Shari, better known as Achik Spin, was killed in a tragic accident today (Saturday) around 6.15pm, reportedly at kilometre 14.7 of the Kajang-Seremban Highway (LEKAS). Details are still sketchy though the 28 year-old was said to have been killed on the spot as the vehicle he was driving - a Toyota Estima - was engulfed in flames.

Achik was reportedly thrown out of the vehicle due to the impact and died of severe head and body injuries while the car later caught fire and exploded. Achik, made his name with the band Spin as well as several hits from his collaboration with another singer, Siti Nordiana Mohd Alias or Nana, as she is more affectionately known .

Nana said she was last with Achik during their recording for an RTM programme - Gah 1 - earlier this evening. Gah 1 is a live show and Achik performed the song entitled Mencari Ketenangan. "We completed our recording at about 5pm, and I gave him a lift to his car which was parked quite a distance away.

"It never crossed my mind that it would be the last time I would ever see him." The 26 year-old said Achik was accompanied by an as-yet unidentified friend. Contacted at about 8pm by The Malay Mail, Nana said she was in shock after receiving the news just moments before word went out on the Internet.

"I called his sister. In tears, she confirmed Achik's passing but said she too was seeking more details. "All I know right now is that he was driving home to Seremban along the Branang highway and accompanied by a friend who escaped with a broken leg." Achik was married in November 2005 to Tasya @ Rose Zaitul Suriani Wati.

Samsung Monte Is new product from SAMSUNG

Samsung is a big vendor ponsel. Samsung launch new product. Samsung Monte is new product from samsung. Samsung Monte is very elegant and good to make our communication.

Spesification Samsung Monte (S5620) :

• Network : HSDPA 3.6Mbps UMTS (900 / 2100) EDGE / GPRS (850 /900 / 1800 / 1900)
• Display : 3.0″ 262K WQVGA TFT (Capacitive Touch Screen)
• Camera : 3.2 Megapixel with CIF
• Video : H.263, H.264, MPEG4, QVGA @ 15fps
• Audio : Poly 64, SP-Midi, i-melody, MP3, AAC, AAC+, WMA, 3.5mm Ear jack , FM Radio with RDS
• Value-added Features : A-GPS, Wi-Fi, Google Map 3.0 , Native SNS Application, Multi IM , TouchWiz 2.0 Plus
• Connectivity : Bluetooth 2.1, USB 2.0 HS
• Memory : Internal memory: 200MB / External memory: MicroSD (up to 16GB)
• Size : 108.8 x 53.7 x 12.4mm / 92g
• Battery : 1000mAh
• Talk time : up to 298mins (On 3G mode) / up to 582mins (On 2G mode)
• Standby time : up to 454hrs (On 3G mode) / up to 769hrs (On 2G mode)
  

Christina Hendricks Big breasted actress

Christina Hendricks Breasts Make Men Klepek-Klepek. Big breasted actress Christina Hendricks was elected as the sexiest woman in the United States Esquiere magazine.

LOS ANGELES-large breasts Artist Christina Hendricks was elected as the sexiest woman in the United States Esquiere magazine.

Hendricks defeated another candidate like Adriana Lima and Megan Fox, by obtaining 30 per cent of men who choose it, quoted okezone from Hollyscoop.

Inside the magazine, Hendricks was writing a letter that describes the desire of men. "We love you. If we fell in love with you, we love you. Kegendutanmu, everything," explained the Showbizspy.

"Talking about your body. You do not understand the power of your body odor itself. A woman, who is now undergoing a relationship with a man must be part of it, because he liked the smell of his body," he said.

"We always remember what you say about another woman's body shape. It is not because we do not accept comments. But learning what you thought how sexy we can make it happen," he explained.

"The man who always looked at breast konstran us, not the man who made us interested," he said.

For Hendricks himself, the man who made him interested is Geoffrey Arend, whom she married since 2009.

the best ways to introduce change into companies

It can be difficult for people to adapt to change, but sometimes making the change can be an even more daunting task. As much as people may want to resist change, it can be dreadful to be the one with the job to manage the change effectively, especially in the workplace. Human resource management training and various hospitality courses often discuss the issue of change because all managers and future managers will come across it at some point in their careers. It’s important for managers to know how to handle making changes in the workplace effectively and to get everyone else in the workplace on board with the changes as well.

Experts in the hospitality industry discuss the best ways to introduce change into companies. The first step, experts suggest, is to create a new definition of success. You should set new improvement goals that meet the redefined success. Your new definition of success should be based on improved results. The second step is finding the tools that are going to be required to achieve a very different set of results that the company had been used to achieving in the past.

The last step requires that you work on winning people over and motivating the organization to acquire those new skills and then to stretch to meet the new results objectives. Human resource management training experts agree that this last step can be the most complicated part of the process but it is extremely important.

Hospitality courses teach managers about the importance of making sure this process goes smoothly. Some people need to be treated delicately, and some people will resist change and refuse to get on board. When this happens, experts say it’s best to identify these resisters early on so that you can work over time to try and convert them. If they still won’t change after that, then you need to remove them from the organization. However, this won’t occur often. Experts say that usually about 85% of the organization will most likely accept and adapt to the changes. Only a small percentage of people are resisters.

Managers are taught to not only implement necessary changes, but to also identify and transfer a new set of skills to people so that they can work effectively to achieve the results. If done correctly, implementing change can be very rewarding especially when you get to see companies reach far beyond their goals and become successful. The only roadblock to failure is not moving fast enough to get rid of the resisters. This is usually due to the fact that so much time is spent trying to convert them. It’s good to be optimistic about being able to change these people, but if you don’t move quick enough you might be letting them hold you back which will eventually affect the ability to achieve your goals.

Another problem managers may run into is trying to convince people that change is needed when the performance of the company is doing well. It’s much easier to convince people a change is necessary when performance is down and they are dissatisfied. Although it can be tricky, it’s very important to make people comfortable with taking a risk because it can ultimately advance the company as a whole. Human resource management training experts suggest that you work with groups and teams rather than focus on people individually because groups are more open to taking risks.

Overall it’s important to remember that there is always room for improvement, and the trick is to convince others to think similarly. Experts advise managers to remember to celebrate the smallest successes, look for early wins, reinforce the change process, and root out the resisters as early as possible. If you follow this, you have a high chance for success.

Employee Management is essential for every organization

Employee Management is essential for every organization to stay stable in the market and perform for years to come with the same up going standards. In today's world it is very difficult to manage and retain employees in any organization. Employee Management is nothing but a way to manage your employees for smooth functioning of your organization. These management skills can definitely help you to achieve the goals set and perform better on the performance metrics to run a profitable business.

For an effectively managed business you need to do proper planning and decide what needs to be done, how it needs to be done and who will do what. All this includes setting of targets, assigning the task, and managing the necessary resources that are available at the time. The main theme of Employee Management is proper allocation of the duties and responsibilities. One must be very careful while allocating responsibilities to employees. You must give the right person the right task, which should not be assigned on the grounds of personal interest but should be assigned according to the ability of an employee to get it done more efficiently and beneficially. This will ultimately help you to meet all the required performance standards.

Employee Management is not just limited to getting the work done but it also helps you to check the performance of an employee, whether or not an employee is an underperformer for a long period of time. To resolve this issue you basically have two options; you either terminate the services of that employee or motivate him to give a better performance. Amongst these two options, the best would always be to try and motivate the employee as employee management works on the principle of making people, rather than breaking them. Termination of an employee can sometimes become very stressful for both the management and the employee as it would again result in a loss of a trained resource for the company.

It is very necessary for an organization to retain their staff, and ultimately reduce the attrition rate as a successful organization operates on terms like 'less the attrition, more the performance and more the output.' There are few things which are very useful when you plan on employee management.

1) The benefits provided to an employee by an employer like insurance, transport etc; this will help you to secure the best employee.

2) Appraisal is the next most important part of employment management. Appraisal are mostly based on the overall performance of and employee during a quarter (depending on the organizational policies), here the employee must be given a chance to prove himself and move up the ladder which will not only make an individual happy but it will surely set an example to other employees and encourage them to work efficiently, as they have a better chance of growth in the same organization. This will ultimately reduce attrition as well as increase the performance.

The secret to enjoying the best advantage that your reward credit card

The secret to enjoying the best advantage that your reward credit card offers is to understand the policies of the rewards program and to plan your action according to the rules. Remember that different credit card companies impose varying rules when it comes to rewarding their cardholders.

Today, let us discuss practical tips on how you can maximize your credit card rewards without getting immersed in bad debt:

Know how points are earned. What kinds of transactions will get your reward points? Sometimes, you may only get points when you made the purchase from an affiliated establishment. If you’re going to shop in stores that is not affiliated with your credit card issuer, then you may not get any point from your purchases. Hence, it is very important to be clear about the mechanics of the reward point system.

Plan your purchases ahead. It is recommended that you set a goal as to how much you plan to spend with your credit card for the month. This way, splurges or unplanned spending can be avoided and you can be certain that you will be able to pay off your balances on time.

Before going out to shop, write down the list of items that you need to buy. Never try to spend more just for the purpose of collecting reward points. Such a habit can only get you in trouble. In your attempt to earn points, you could incur a very large amount of debt that would be difficult to pay back.

Rack up your points wisely. Apart from purchasing items, how can you collect more points without going over the budget? One efficient technique is to charge your utility bills to your reward credit card. Examples of such bills are telephone, cable, internet and other bills that you pay on a monthly basis. Nevertheless, if you’re going to do this strategy, make sure that you will use your cash to pay off your credit card charges right away.

Never pay the interest rate. To really benefit from your rewards credit card, you should eliminate all extra fees from your bill. One example is the interest rate. Yes, you can completely set yourself free from interest rate charges simply by paying your full balance each month. By doing this, you can save yourself anywhere from 14% to as much as 20% additional APR charges.

Avoid penalties. Credit cards with rewards are usually more stringent particularly with payment submission. YOU may be charged with an expensive penalty fee if you are late with your payments even for if it’s just one day after your due date. Hence, be conscious about your obligations.

As much as possible, post your credit card payment ahead of time. Don’t wait until the last day before you submit. If you have the tendency to forget your due dates, it’s best to arrange an automatic payment system with your bank to avoid getting unnecessary penalty charges.

Aside from avoiding the late fees, you should also avoid the over-the-limit penalty costs by keeping your credit card balance within your borrowing limit.

A groan grasps the peanut near the offending anthology

Now that you've added your blog, we need to make sure that you own this blog.

Create a new post on your blog. Copy and paste the randomly generated sentence shown above exactly as it is given anywhere in your new post. Publish the new post so that it is viewable at your blog's URL.

Once this sentence is on your blog, come back to your PPP account and press the claim blog button. You can remove the post after you have successfully claimed the blog.

payperpost.com

A groan grasps the peanut near the offending anthology.

Generating Exclusive Insurance Leads by Using SEO

Exclusive health lead generation through your agent website is a great resource for your insurance business.

Are you furnished with an internet site by your health insurance company to assist you generate health insurance leads? Are you putting your health insurance internet site to full usage to yield health insurance leads or is it sitting there with minimal or zero hits? There is a method known as search engine optimization that can aim traffic to your health insurance broker internet site and assist you generate more exclusive health insurance leads. Here is how to apply this tool for your health insurance business...

Have you ever tried locating your health insurance internet site by looking for it on google or yahoo? The possibility is that it's concealed 100s or even 1000s of pages into the search results and will never be discovered by a genuine health insurance purchaser looking at to purchase health insurance from you. These are the figures you'll see whenever you google the terms Health Insurance Quotes: Results 1 - 10 of almost 7,150,000 for health insurance quotes.

SEO (Search Engine Optimization) is the method that assists people discover your health agent internet site by increasing page ranking by your web site in google, yahoo, or additional seach engines as people type in keywords searching for health insurance quotes in your specific region.

There are 2 components most search engines apply to ascertain page rankings: Trust and relevance.

Trust is ascertained by how many additional pertinent sites are linked up to your internet site and relevance is ascertained by the manner key terms are laid out in your internet site. So how do you apply this knowledge to add hits to your internet site and generate health insurance leads?

1. The trust element

Here seems to be the single most authoritative factor in assisting your health insurance internet site climb up quickly in seach rankings.

You need links from additional health insurance related websites in order to achieve this. Don't waste your time or revenue on link exchanges, they in reality will damage your health insurance internet site page ranking.

Best Sources for health insurance internet site links:

Insurance Forums: These are places where agents go to ask questions about Health Insurance issues and a lot of health insurance brokers take part in assisting them on answers. After a couple of posts, they permit you to have a signature added that contain a hyperlink to your internet site! A few even pay you to post, like ampminsure, so you are able to make a little additional for gas money. They are likewise an first-class place to network with additional brokers to acquire beneficial ideas for your health insurance business.

Your Health Insurance Lead Company:

If you are purchasing health insurance leads, a lot of these companies will allow for a hyperlink to your health insurance internet site site if you ask. It is just portion of their health insurance broker purchaser commitment plan.

Ask additional health insurance brokers to hyperlink to your internet site and reciprocally link to theirs.

Begin an informational web log that hyperlinks to your health insurance website:

The last alternative is costly but it works well: Register with your local chambers of commerce and posting yellowpages ads. These both allow for high caliber hyperlinks to your health insurance webpage.

2. The relevance component

SEs likewise look at the relevance by your internet site to ascertain page ranking. They are searching for quantities of key words in your health insurance broker internet site.

Consider how many times I have utilized the keywords: Health, insurance broker, internet site, in this article or for that matter in any of my posts. If you have the ability to edit your health insurance broker website make it keyword rich. For instance if you were an agent who advertises in Corona, CA. You'd prefer to have the keywords health, insurance, quotes, Corona, CA, inexpensive, Rates, as much as possible in the text and titles of your health insurance broker internet site.

If you don't have the power to edit your health insurance broker internet site I advise doing a health insurance broker web log as discussed earlier in this article.

This is a time consuming process that won't see overnight consequences but if worked at across a few months will begin to generate good exclusive health insurance leads that will add to your success as a health insurance broker.

How much does life insurance cost ?

How much does life insurance cost? There is no time like the present to ensure that you and your family are adequately protected should the inevitable happen.

The harsh fact is that at some time we will all leave loved ones behind. However, it is great know that we can make sure they are financially stable when we do come to pass. One way of ensuring this is through Life Insurance.

What is Life Insurance? Life Insurance is an agreement that is held between an insurer and the policy holder that pays out to a beneficiary, when the policy holder dies. Not only does it offer the policy holder peace of mind in knowing that their family will be looked after, it also guarantees their families do not have to worry about the financial costs involved in losing a loved one. Can anyone get life insurance? As long as you are over 18 years old you can indeed get insured. Depending on your particular circumstances the cost of Life Insurance varies.
What circumstances can affect the cost of Life Insurance? Do you smoke? Are you healthy? What age are you? Do you have any illnesses? All of the above can affect the cost of life insurance. How much does Life Insurance Cost? The easiest way to know how much life insurance will cost you is to take a free no obligation quote. You can do this by calling ABC Finance on 0161 9... or emailing quotes@much-life-insurance-cost.co.uk

5 Ways to Save on Home Insurance

Homeowner's insurance is an important part of protecting your most valuable investment: Your home! Homeowner's insurance also protects your belongings--electronics, furniture and family heirlooms--from loss or damage.

And though home insurance is an important purchase, you can still find a comprehensive policy for a price that won't stretch your wallet. The Insurance Information Institute, an independent insurance resource for consumers, recommends doing the following:

Shopping around. There are a myriad of insurance companies and brokers out there, all of which sell similar home insurance policies for different prices. But don't waste time flipping through the Yellow Pages to contact four or five agents--shop online here--and receive multiple insurance quotes from local agents.

Taking advantage of discounts. You may be eligible for an array of discounts which can lower your home insurance premium. Be sure to ask prospective home insurance agents about discounts for:

Buying multiple policies through the same insurer (like home and auto) Living within 15 miles of a fire station Installing electronic burglar alarms Installing multiple smoke detectors Updating plumbing and heating equipment

Increasing your deductible. The higher your deductible--the amount you pay on a claim before the insurance company takes over--the lower your premium will drop. Just remember to select a deductible you can afford; you don't want to break the bank if you need to file a claim.

Making routine home repairs. Invest some time, money and elbow grease into making repairs to your roof, plumbing and heating systems and the like. It will reduce the chances of an in-home catastrophe, and your agent will reward you by lowering your premium.

Maintaining good credit. Many homeowners are surprised to learn about the correlation between insurance rates and their credit history. And while some states are questioning whether or not to throw credit rating out of the premium-determining bucket, right now, it's still a widespread practice. So pay those bills in full and on time!

You've got the tips--now start saving!

Now that you're armed with the proper insurance saving artillery, you're ready to start shopping. You can start here by entering your zip code into our quote box. You'll receive free home insurance quotes from local agents, allowing you to compare policy types and premium prices and pick the policy that best fits your needs.

The Consequences of Not Having Auto Insurance

When young adults graduate college they have aspirations of starting their first "real world" job, getting their own place and buying a brand new car - one that does not need a screwdriver to start. However, college students are also graduating with much more than just a college degree and a dream, they are graduating with a substantial amount of debt. In fact, many students graduate with an average of $3,262 in credit card debt - 10 percent of that group owing more than $7,000 in credit card charges. Students forget to factor in other life costs, such as health care, 401K deductions, income taxes, car payments, auto insurance, rent, utility bills, student loans, credit card bills and food expenses into their monthly budget. "After you graduate and land your first job, you do not think about having to pay for all of these expenses," stated a graduate from Ohio University. "Unfortunately, reality sets in pretty fast and you realize you do not have the money to make ends meet - it is a hard lesson to learn!" College DebtWhy is there so much credit card debt among college students? "Many credit card companies set up kiosks on college campuses offering free pizzas and t-shirts to try and entice students to sign up for a credit card," noted David Roush, CEO of Insurance.com.

The problem is many college students do not have the income or financial knowledge to manage a credit card - a problem that is leading students into a lifetime of financial despair." In addition to the outrageous credit card bills, students are also graduating with student loans ranging from $10,000 to $52,000 or more. Often students figure they will be able to pay everything off once they get a job and start making "real" money, but that simply is not the case. Not only are credit card and student loan bills financially crippling to many new graduates, it is also forcing grads to cut back on other necessary expenses, such as auto insurance - one bill you legally cannot drive without! "Driving without auto insurance is illegal in all 50 states, however, many young adults elect to go without auto insurance because they think they cannot afford to have it," stated Roush. "A scary thought when 15.3% of all automobile accidents are caused by drivers between the ages of 20 - 24." While deciding not to pay for auto insurance may seem like a good idea at the time, graduates are not considering the expense of getting caught without auto insurance or the cost of getting into an automobile accident. "Imagine if you had to pay the medical bills of someone who gets injured in car accident when you are at fault - suddenly paying for car insurance does not seem so bad," says Roush. The Penalty of Driving Without Auto InsuranceAccording to the Insurance Information Institute, the cost of driving without auto insurance can vary from state to state, depending on the percentage of drivers who are uninsured in that state. For instance, in Massachusetts residents can be charged anywhere from $500 to $5,000 in fines and receive a one-year jail sentence.

In Florida, Louisiana, Connecticut and New Jersey, drivers operating a vehicle without the state required minimum will have their vehicles impounded - which can cost you thousands depending on how long it takes you to get your car out. How to Budget For Auto Insurance-As you look for auto insurance, make sure to check if the insurer offers a 6-month or 12-month payment plan to help you manage your auto insurance payments better. In addition, many auto insurance providers offer a variety of discounts, including alumni discounts. So make sure to ask if your college or university is eligible for a discount, because every bit helps when you are first starting out on your own. To help make researching auto insurance rates easier, Insureme offers an auto insurance comparison application.Here, you will be able to evaluate multiple rates from best-in-class insurance providers - helping you find the best auto insurance coverage for your newly graduated budget.Click here for a free Insurance quote

More about health insurance

The general statistics show that health insurance premiums have been rising faster than inflation in the business sector while the extent of the cover is being more narrowly defined. It is the old "less for more" syndrome. Insurance companies are not unjustified in raising their premiums. They can point to the rising costs of drugs and medical devices, and the increasing charges levied by hospitals, clinics and professional health care providers. Since their costs are rising and their investors expect a dividend, premiums must rise. Worse, the health of the nation is deteriorating. With an epidemic of obesity, the health services are buckling under the resulting waves of cases with high blood pressure, heart disease and type 2 diabetes. Unless there is government intervention to fund the national expansion of health care, the costs for all will rise. This gives business owners and managers a serious problem as the recession gathers pace and revenues fall. How does a business reduce costs without sacrificing the employees' goodwill? Under normal circumstances, it would trade-off between the cost of the health plan and other benefits. But in this economic situation, it is likely that pay and benefits must be reduced if the business is to survive with full employment. Among small businesses, the number of employers providing health plans has dropped 10% in the last three years. Alternatively, a number of nonessential employees will have to leave to pay for continuing benefits for the survivors -- painful downsizing.

One compromise tactic is to play the yearly "shuffle". As an incentive to transfer business, insurance companies often offer a first year discount. So some small businesses look to transfer their health plan to a new carrier every year. This is a real administrative headache and inconvenient for all the employees to switch doctors, but it does save money. The great hope was that businesses would pool their insurance and negotiate their cover as a group. Insurance companies have mostly won the war against this both as an initiative of business associations and at state level. California, for example, attempted to combine features of the individual and group market. This was not a great success. This leaves business with the choices of increasing the deductibles or making the co-payments or paying the expenses fo the employees. These are slightly risky options because, unless limits are written into the commitment, a serious accident involving one employee or one long-term illness can swamp the budget. However, this is a balancing of cause and effect. In any group plan, major costs incurred by one can also drive up the premium for everyone in the plan.

Insurance helps to keep businesses afloat. Small business insurance is particularly important because, until there are cash reserves to fall back on, even a small liability can be devastating. Health insurance is a valuable part of the remuneration package in businesses of all size. It helps maintain staff morale and gives a business the best chance of keeping key personnel healthy. But, equally, business insurance premiums must remain affordable. Hence, the interest of business associations and states in group schemes.

Kwik Fit Insurance issues severe weather warning

Leading UK insurance intermediary Kwik Fit Insurance has issued a severe weather warning - for drivers to take extra care as Britain continues to shiver under heavy snow and freezing conditions.

A combination of heavy snowfall and freezing temperatures have severely hampered public transport across the country and increased the risks for drivers struggling to get to work.

Managing Director Brendan Devine said: "The amount of snowfall over the last few days has been extraordinary, the heaviest in 18 years. While Britain remains under this blanket of snow, it is important everyone takes steps to protect themselves and others on the road.

"Accidents are predicted to soar throughout this current cold snap, however simple adjustments to the way we drive can help alleviate the dangers. A few precautions and steps can make a real difference and ensure that everyone arrives safely at their destination."

Brendan set out his top tips for drivers about to head off in the car.

1. Before setting out, listen to local weather and travel advice on the radio or on TV.

2. Always allow extra time for your journey and tell someone of your destination and expected arrival time.

3. Braking sharply in freezing conditions can result in a skid, so reduce speed gradually. It's good practise to drop down a gear when braking, allowing your engine to slow the vehicle.

4. Give yourself time to check your vehicle before setting out. Check tyre pressure and tread, make sure wiper blades are working, top up your water with window wash suitable for low temperatures and ensure lights are clean and in good working order.

5. Be patient. You should expect your journey to take longer, so don't rush or try to hurry others along, or you run a greater risk of an accident.

As snow melts, the onset of expected ice forming on Britain's roads over the next few days will increase the dangers further.

Helen Chivers from The Met Office said: "The problems which we expect to see this week over and above continued snow fall is the forming of ice on our roads. Temperatures overnight are falling below freezing meaning that even if snow is melting, there is a particular danger at night and in the mornings of widespread ice. The snow isn't over yet though, with further flurries expected by the end of the week."

Ends

Notes to editors: Kwik Fit Insurance Services was launched in 1995 and has grown to become one of the UK's leading car insurance distributors, well as a major presence in home insurance as well as insurance markets.

The company's award-winning call centre at Uddingston, Lanarkshire, now employs almost 1000 people, handling 10 million calls every year.

Since its launch in 1995, Kwik Fit Insurance Services has grown and developed into one of Scotland's most dynamic contact centres.

Kwik Fit Insurance Services is part of the Kwik Fit Group which was sold to private equity firm CVC Europe in November 2002. In June 2005 it was purchased by private equity firm PAI Partners. The philosophy of the business is unchanged - to provide the best possible service to customers.

Older Drivers And Affordable Auto Insurance by James Phoenix Jones

If cheap auto insurance for older drivers is what you are looking for than you have come to the right place. This article will give you all the essential information regarding auto insurance for senior citizens. No one wants to pay more than he has to. Discover what factors determine older citizens' insurance rates and how you can pay less.

Who is considered a senior driver?

A lot of people don't really know that insurers have a different approach to seniors. In society, as a senior citizen is accepted a person who is 65 years old or more. However, as far as insurance companies are concerned, a senior driver is everyone over 55 years old. Yet again, older drivers are divided in 2 further groups - those aged under 75 years and those aged over 75 years.

Insurers are well aware of the fact that we are an ageing nation. Getting older means you become wiser and inevitably your driving habits change.

Auto Insurance rates for senior senior drivers

Age, driving history and the type of car you drive are some of the fundamental criterias used to determine auto insurance rates for older citizens. Statistics show that older people are in general careful and law abiding drivers. Tickets for reckless driving and speeding are rarely issued to grandmothers. Fast and expensive sports cars are also not a common sight on the driveways of senior drivers.

When it comes to driving, maturity definitely has it good sides. Insurance data also suggest that older drivers use their cars less. The only cons are often deteriorating sight, which affects night driving in particular, and slower reflexes.

Your auto insurance rates will be lower than the average if you are under 75 years old and have a good driving record. If you are older than 75, insurance companies will, in most cases, put you in the high risk group and you may seen your premiums go up.

Cheap car insurance for older drivers

Driving your old car, which may have sentimental value to you, may not be a wise idea. Not only are older cars more expensive to run but sometimes their actual value is less than the yearly insurance premiums. Exchanging it for a more economical vehicle full with safety features will save you a lot of money on insurance.

Taking a defensive driving course is a wise idea too. Insurers reward drivers who have taken such classes with cheaper insurance rates.

The easiest way to find cheap auto insurance for senior drivers is to compare quotes on-line. When shopping for insurance, its recommended to compare at least 3 quotes from different insurers. The difference in rates is often amazing. Some people save up to 35% on car insurance

Find Those Car Insurance Comparison Quotes

Find those car insurance comparison quotes online to help find those great deals. So many places will provide you with a variety of quotes to compare when you request these. Free of charge to you and with very little information needed to get them sent to you.

Place in the amount of money you want to have for your down payment, and your email address. A short time later you will get an email to tell you that your quotes are done. Pull up those quotes by following the link in your email.

Begin your comparison by checking the deductible that has been placed on each choice. They should all match at this time, that way no one company will have an unfair advantage. You are going to want to play around later with the deductible, but not now.

Find the best cost and follow the link to their site that should be by your quote. Here you are going to need personal information and all your vehicle information. Provide it, and finish the form, apply those discounts to help save more money on your premium.

Discounts are a fabulous option to allow you to save on the cost of your insurance. See that you have all of them on your account that you can take. Perhaps with enough discounts you can leave the deductible at a lower amount too!

The deductible is one of the ways that many people use to lower their premium. The higher that amount is the less chance the insurance company will need to pay you for a claim. Thus they will lower your premium.

But it is not always a good idea to have a high deductible if you travel a lot. Or live in a high crime area. Consider all the options before you play around with that deductible!

Why Car Insurance Claims Are Rejected

The money you spend on your car insurance premium every month can go a long way in assuring you peace of mind. As you are parting with your hard earned cash on such a regular basis, the last thing you would want to hear is that your claim has been rejected. There are many reasons why an auto insurance company will reject your claim application. You need to get to the root of the reason so that you can try and rectify it. In one instance, your claim will be rejected if the loss is in relation to the theft of your motor vehicle. If the insurance company finds you to be at fault for the theft of your vehicle, whether through negligence or another reason, then they will not pay out. The same goes if you are unable to show them proof of purchases on your vehicle, such as the receipt for your car radio and so forth. Naturally, if the insurer finds that you have provided them with details that are incorrect or untruthful, then they will not have to pay out. This is why it is imperative that you always tell the story exactly as it happened. Insurance investigators are ruthless, and will often look for any loophole in the claim process. They rely on cold hard fact, and anything that dabbles in a grey area could contribute to your claim being rejected. In some cases, your car insurance claim could be rejected due to it not meeting all the details of the clauses in the policy. On the other hand, your policy could contain a clause which deems your claim invalid. This is why it is imperative that you always read through your policy carefully. In addition to this, it is vitally important that you keep records of all correspondence between yourself and the insurance company. This includes receipts, emails and even possibly photographs of the damaged vehicle. Regardless of the reason for your claim being rejected, remember that you can dispute it at any time. This is why insurance ombudsmen are in business. They will handle the rejected claim for you, to ensure that you have been fairly dealt with. You can only deal with the ombudsmen once you have a final letter rejecting your claim.

They will analyse the claim and deal with the insurance company directly. If you are lucky, the insurance ombudsman will be able to resubmit your claim and sort the problem out. They will usually find the root cause of your claim being rejected, so that you can prevent a repeat in the future. Unfortunately these cases may drag out a bit, and it can be devastating to wait without a motor vehicle. This is why it is always a good idea to have a savings plan aside for these sorts of situations. If you are left without a motor vehicle for some time, you will need to use your own money on your unexpected transport costs. It is always upsetting when an insurance claim is rejected. If you follow the correct procedures, then hopefully you will be one of those whom the ombudsman is able to save.

What to Know When Shopping For Auto Insurance

Comparison shopping for auto insurance is as much fun as a box of rocks, but you can save a ton of money. The small effort to find the best auto insurance at the right price is well worth the time it takes to pick up the phone or search on-online. So, dump your rocky attitude about shopping for auto insurance and dig out your current insurance policy, your driver license number and your vehicle registration.

You can stay focused and have fun while sifting through this heavy subject. Remember, you could save hundreds and maybe even thousands per year in auto insurance premiums. These savings can be most evident if you are currently surcharged by your auto insurance company because of a moving violation(s), an accident(s) or a lower credit rating. Comparison shopping your policy against others may bring a smile to your face and put money back into your pocket.

It will take about an hour or two for this task, so have a phone in reach and clear a workspace at your computer desk/table. The following is a guide to help you compare insurance companies, their policies and unearth a great deal. It's simple to find the best insurance company for you; get quotes from as many auto insurance companies as you can and then choose the best insurance company and policy for your needs at the cheapest price.

Internet Search

Speed up your shopping, jump on the Internet highway to search for single sites offering multiple insurance quotes, for example netquote.com. Type "insurance quote" in your search engine and you will get pages of options to choose from.

Local Insurance Agent

Consider working with a local licensed insurance agent. If you are not comfortable with insurance contracts, a licensed insurance agent can make your search easier. Ask friends and family for a referral for a honest, reliable agent. There are two kinds of agents: (1) the captive agent who represents only one insurance company and (2) the independent agent, also known as a broker, who represents several insurance companies.

Compare Quotes

While you are comparing auto insurance policies, remember that coverage limits, deductibles, and discounts have big effects on the final premium. Make sure you get information about the insurance company's discounts and whether those discounts are reflected in your quote. Examples of discounts are safe driver, multi-policy, multi-car and safety equipment.

Decision: Rock, Scissor, Paper

Your final selection should depend on the reliability of the insurance company. Are they rock solid? Will they cut through the red tape and handle any future claims in a fair, equitable and expeditious manner? Will the estimated premium on the comparison quote sheet save you money and provide equal or better coverage? If the answer is yes to these questions your search is now over, have fun, go shopping for something you really need or invest your buried treasure of premium savings

SHOULD YOU PAY MONTH TO MONTH OR IN FULL FOR CAR INSURANCE?

Purchasing automobile coverage it can become expensive and for some individuals it can become quite difficult to pay for coverage. Fortunately, carriers understand that policies can be somewhat unaffordable if they were to be paid in full and offer consumers a few different ways of paying for and maintaining auto insurance. Policy terms are usually in the form of 3, 6 or 12 months which can be paid up front, but most insurers will allow for these policies to be paid monthly which can help individuals stay insured. Unfortunately for some motorists they may have unique factors that can make premiums down right unaffordable; whether they have had multiple tickets and/or accidents, have several vehicles or have a newly licensed teen, coverage can get quite expensive and they may not be able to pay the for the full term of the policy. Individuals who find themselves in this situation may be better off choosing month to month car insurance plans which can be started up will smaller up front costs and continued by making monthly installments to the provider; although this can be a bit more manageable, there are a few negatives of doing so, but staying insured may just out weigh these cons.

Pros and Cons of Monthly Car Insurance

The obvious benefit of locating an insurer who will allow for a policy to get started with only a portion of the premium to be paid is the ability for consumers to have the ability to avoid having to pay a big lump sum and not break the bank when getting auto insurance. For certain individuals, policies can reach thousands of dollars per term and to be quite honest, there probably are not many people who want to dish out that kind of money or there are those who simply cannot; paying for coverage on a month to month basis is usually the choice for such individuals and fortunately, there is the option to do so. However, there is one major down side to choosing to pay for policies monthly and as mention it may be worth it just to stay insured at all times. The bad thing about making installments is that it can become far more expensive than paying premiums in full. For one, most insurers will give a discount if a policy is paid up front simply because they are receiving payment for a term and feel that they are guaranteed the business for the length of the policy. In addition, paying on a month to month basis also poses the risk of missing a payment or being late which can assess late fees and a lapse in coverage. Another negative is that many carriers charge a billing fee in the range of $10 per month which over the course of the year can end up costing the consumer an additional $120 on fees that are not including coverage.

Getting insured is important and the way that a person wishes to pay for such a product is up to them and their financial situation; the best way to determine what method is best is to shop smart and get informed on the fees and the difference in premium for the various payment plans. If keeping some cash on hand feels better than doling out a big chunk of change then maybe making payments is the best option. Also when shopping, it is important to shop smart; most states have consumer guides such as the one provided by the Maine Department of Insurance to help residents become better shoppers; it may be a good idea to refer to your state's guide while choosing an insurer.

In order to get a good rate and determine whether you want to pay auto insurance month to month or to be sure you are paying the absolute best rate.

Affordable Auto Insurance

Inexpensive Car Insurance. There are not many disbursals that people can avoid and for many car insurance policy is one of those charges that must be prepaid if they choose to own and operate a vehicle. Although nobody really looks forward to paying their premiums when they are due, there are many affairs that motorists can do and control to assure that their insurance policies can be afforded. Many individuals pay high quantities for motorcar coverage, but in many cases this could have been deflected in a number of other ways.

One of the greatest elements that an insurance firm uses to figure a premium is a person’s driving history; a individual with tenfold infringements and accidents on their record are less probably to find cheap auto insurance than drivers who have maintained neat driving histories and subsequently pay steeper rates for coverage. Obeying traffic jurisprudences is in the hands of the person behind the wheel and by doing so it can sustain rates down. Individuals who incline to go red lights, speed or drive under the influence have not only a higher chance of getting a fine, but can also induce a traffic accident; this is plainly wrong judgement which will be mirrored in their insurance premiums. Driving sound and responsibly is likely the simplest path that consumers can make coverage as cut-price as possible.

Complementary Means to Sustain Affordable Car Insurance
As cited, a person's driving past is considered heavily to determine premiums and unfortunately for newly licensed motorists they will not have a track record display whether or not they are a “good” driver and will in all probability assure themselves paying up higher rates for auto insurance. These people and everyone else for that matter, will require to set in a little legwork and surf around and compare for the most low-budget rates. There are many parties to choose from, but the cheapest one is not going to find you; take the time to get as many quotations as achievable in order to make sure that the best rate has been learned.

In addition, motorists should be conscious of any discounts that are free and germane and receive advantage of them; some discounts can provide a savings of up to 20%. A discount may be forthcoming if you are a good driver and/or student, have a auto equipped with certain safety characteristics and anti-theft devices, have a good credit score or completed a recognized drivers education course of instruction; more may be available and be sure to address any when surfing around. The Oklahoma Insurance Department advises increasing a deductible in order to lower the cost of coverage; the reason for this is because generally the higher the deductible the lower the premium, but one should be conscious that the deductibles selected will demand to be prepaid in the consequence of a loss and should not prefer an amount that cannot be paid-up. Although insurance firms calculate rates, there are many things that consumers can do to make certain that their coverage is as dirt cheap as achievable.

Cheap Vehicle Car Insurance

Shopping for cheap vehicle car insurance is probably low on your list of to do's. But even if it's not up for renewal, give your policy a second look - a few changes in your 'life, like those below, could mean you're due for a big break!

Did you have a credit score change? Whether it's gone up or down, you'll want to check with your auto insurer: Many use it to rate you - and adjust your premium accordingly. Your insurer not one of them? If your score has gone up, find an insurer that gives breaks to people with good ratings. On the other hand, if your company does factor in credit scores and yours has gone down, consider a company that ignores the scores.

Did you switch jobs? If you've been laid off or started working from home, ask about low-mileage discounts. Many insurers will take off a percentage if your commute disappears. Note: If you find a job ridiculously close to home, notify your insurer - a super-short drive is often considered the same as no drive at all, which may also qualify you for the rate reduction.

Are your kids getting older? If your child is about to reach driving age, do some comparison-shopping before adding her to your auto insurance. Surprisingly, the company you've been with for years might not give you the best rate! Insurers use different methods for calculating the risk-and cost-of a new driver. In some cases, that loyalty discount might not offset the additional cost. What if you have a young driver who'll soon be off to college? Ask about a discount; you could score extra savings.

Getting Auto Insurance Quotes Without Personal Information

A lot of people are very concerned about giving up their personal information over the Internet. Statistics show that millions of people all over the world are constantly having parts of their identity stolen, and this can wreak havoc on their life. If you have your identity stolen then you can face serious problems that can take months or even years to get over. Therefore it is very important for a lot of people to avoid giving up personal information through the Internet if they can. As such when they are looking for car insurance they wanted to get auto insurance quotes without personal information having to be given up.

So how do you go about doing this? Well, it all depends on the level of the quote that you desire. It is true to say that the more information you provide, the more accurate the quote is going to be. When you are looking for car insurance you are going to want to get as accurate a quote as possible.

However, if you are unwilling to give out specific information about your date of birth, or any specific details such as your national insurance number, there are some things you can do in order to get a base quote that will be similar the accurate quotes that you would get when giving up all of the necessary and required information.

One thing you might want to try, is altering little bits of information in order to get a relatively decent quote. For example, you might want to alter your age little bit. You might also consider changing the address to show a different house down the road rather than your specific address. Doing these sorts of things should not affect your quote at all in a large way.

If you are not willing to give up information about your car, then it is a good idea to use a very similar car to yourself for the quote. Of course, it is important to remember that if you do devious and alter the information that you provide them this will only allow you to get an idea of the sort of quote you will get. In order to go through the motions and actually buy the insurance, you have to provide the right information.

The best thing to do, if you are not comfortable giving up your information over the Internet, is to simply call up a sales agent directly. If you are the one who has made the call, then you will be able to feel confident that you are talking to a very trustworthy source, and should therefore be happy in giving up the information that they require in order to get very accurate quote for you.

If someone has called you up, then it may be safer to avoid giving up the information as you will not be sure of the source is talking to you.

What to Look for in a Automotive Insurance Company

People do not know the importance of car insurance. Individuals are simply getting vehicle insurance coverage, just used for the sake of having it, because the federal government wanted them to. People know little about the car insurance coverage insurance policies features and benefits. auto insurance coverage covers the price as soon as a car unexpectedly gets into or creates an accident. Masking damages to properties as well as injuries is the minimum advantages wanted by the state. However, one insurances give you by far the most elements and benefits. Additional companies add in coverage of non-collision damages such as theft.

automobile insurance coverage is your automotive's safeguard in opposition to any threat. Thus, you can also have to pick the finest auto insurance coverage corporation. In finding auto insurance coverage you can also have to consider a lot of issues. Listed below are any helpful hints meant for choosing finest automobile insurance coverage company:

Honesty is serious. At this time frauds are anywhere. You have to be cautious not to change into a victim. auto insurance coverage is your car's guard. Carelessly choosing automobile insurance coverage firm could provide you with a fraud. And it can even offer you several monetary as well as legal complications.

automobile insurance coverage firm must be a dependable company in case of an emergency. You can go to the state division that holds registration of insurance coverage corporations.

Verify the complaint information of the company. You'll test the information of the state department of insurance. Not the entire large in addition to well-liked firms are reliable. You ought to verify their complaint ratio for each 1000 customers. In doing so, you will establish how credible their firm is when it comes to auto insurance. In fact, it really is not possible to find an organization with no criticism record. So, you could have to look for any with the lowest.

Wonderful service effectivity is also vital to believe in searching for finest vehicle insurance corporation. It's better to cope with a company along with delightful customer service. Together with excellent customer support, buying auto insurance coverage is so convenient.

Know the appraisal score of professionals. Frequently, insurance experts submit critiques and scores to newspapers as well as magazines. Consultants frequently know the greatest in addition to trustworthy car insurance on account of their experience in your business. They often give advises the place to uncover best car insurance coverage deals. Additionally, they know who and what company provide the greatest in addition to trustworthy car insurance coverage in your area.

Know the cost. Lastly, the utmost crucial concern for nearly everybody is the cost. It truly is vital for the company to give inexpensive auto insurance coverage quotes. Frequently people are searching for promos as well as discounts. As well as they typically go for corporations along with the lowest cost although nevertheless trustworthy vehicle insurance coverage quotes.

Here are merely any ideas that you just could think. Feel accessible to explore the most regarding automobile insurance offers. The the most you understand, the less probable so that you can regret.

The Best Way To Alliviate Misfortune

Fortuities are something that can happen anytime and anywhere. While you would never want your dearests to bump whatsoever fortuity, its one disagreeable reality of life that can't be anticipated in advance neither can they be disregarded when they are coming your way. It's inevitable and one can ran into an accident in the most unforeseen way and time in life. It can be all more frightening when it actually results in the loss of life of someone. Then again even if you do come through from traumatic circumstances of your life you would be lucky if you sent away.

Your short-term impairment condition at one time when you endure the accident can be a harsh reality on your part as suddenly the world would be too arduous for you to bear. And the sad reality of the financial aftermaths can be all more frustrating if you don't have sufficient money. These could be depressing and for once, you would think as if life is really not worth it.

This is where an accident insurance comes to the rescue. If you enjoy the security of an accident insurance, then you'd be able to live off a substantial portion of weight away from your shoulders that you would find yourself under after a tragic event. An accident insurance would entitle you to defrayment for those days that you were ineffectual to work due to your passing disability. Moreover, the program will unremarkably cover a big part of the doctor's bill* that would eventually accumulate during your treatment period and therefore, extortionate medical bills would not be something that would come back to haunt you.

A big part of the benefits that an accident indemnity would provide you would be in terms of payments towards your doctor's fee and hospital bills. Another benefit of acquiring such an insurance program is that even if you came across accidents outside your work, you would still be eligible to avail the benefits that come with it.

Some other benefits depend on your accident insurance plan that you are able to avail are as follows:

* Indefinite number of accidents coverage
* Accident insurance coverage for family
* Payment in bulk to you or your surviving family members
* Benefits in case of fractures, dislocations, loss of limbs or even death

The importance of possessing an accident insurance can't be emphasized enough although it might not appear a comprehensive to you if you have never suffer a tragic event in your life. But the question is that why do you have to wait for an accident to happen ant then realize the worth of an accident insurance and the limitless benefits that it can give you in times of great need, It is important that you and your family are always protected from the drastic consequences of any major mishap rather than suffering the financial dilemma that comes with it later on. An accident insurance program is something that every responsible person must have.

Direct Sales Training

Having been successfully involved in Direct Sales Training in two industries over many years I know the need and importance of training salespeople. Training should be provided through inside training via classes and live calls in the field where the trainee is accompanied by a sales trainer or manager. Training in the classroom is good for instilling the Eight basic skills which are: 1) Attitude, where you are taught the essential mind set and people skills. 2) Motivation, the skill that will keep you selling despite the rejections. 3) Goals, why they are necessary and how to set them . 4) Time, your most precious commodity and how to make the best use of it. 5) Prospecting, identifying better prospects and getting referred to them. 6) Objections, how to make them work for you instead of against you. 7) Presentation skills that will make your sales flow to a natural close. 8) Marketing, making sure your clients continue to Know, Like, Trust and Refer you. 9) All these skills are best taught in the classroom where mistakes are less expensive.

Role playing where the salesperson plays the part of the prospect and another makes the presentation, with a trainer/manager observing, provides the person doing the selling with the opportunity to experience some of the tension involved in a real live situation. It also allows practice in building a coherent presentation. Learning how to frame questions in order to test if an objection is valid is also best learned in the classroom. All the standard objections can be taught before a salesperson ventures forth into the real world of commerce. Fluency in presenting the standard objections and dealing with them before the prospect raises them is a valuble skill that will ease the flow of the sale to a natural close and avoids the harsh impact of using rebuttals. Training in the field is useful for 'advanced sales training'. It is best done in two phases. In the first phase the trainer should demonstrate the whole proceedure of the Direct sale in front of real prospects. The trainee is just an observer. After each of these sales the trainer should review the actual event and explain how each element of the presentation came into play. In the second phase of the training the Salesperson makes the presentation with the trainer as the observer. Once again a critical review by the trainer is important, both to point out the errors or ommissions made by the salesperson and also to provide support and encouragment which is essential in the early days of the training process. Training should be a continuous process, because as salespeople progress they learn new methods and ideas. The gathering of the sales team for an exchange of ideas can speed up the learning process for the newer members. This works on the following basis. You enter the meeting with a new idea that has been successful for you You share that idea with the team. Other members also share ideas that have helped them. You leave the meeting with your own idea still intact, plus one or more new ideas you have learned from the other members. This is a win-win situation which I have seen working with great results in sales meetings , sales seminars and annual sales conventions.

Duties of a state insurance Commissioner

Duties of a state insurance commissioner can also be called the duties of a public health commissioner. The duties of a state insurance commissioner are out numbered and reading through the duties will make you know more about any insurance you go for. In America, people are voting the best state insurance commissioner because of their duties they offered to their citizens. For example in Washington, commissioner mike Kreidler is the best insurance commissioner because of the decision he takes. In short this commissioner is really out to satisfy his people not to make money for himself. He argued about the insurance rates and many other things about insurance. This commissioner also gave the advantages and the disadvantages of any insurance companies and did not forget about the problems they get from these insurance companies. He said that at times they are given complaints from the insurance companies' agents about their customers. They insurance agents are requesting the clients to see the insurance commissioners themselves and explained to them what is disturbing them.

In short what these insurance commissioners are doing is that, you must first know that they are the head of all the insurance agencies around the globe, they are like the president of the state who controls and governs the state. Before you want to develop any insurance, you must first of all past through them and have some information about what you want to go about. Secondly, these commissioners also gives advice to the general public and make sure the insurance companies gives what is of taste to the general public. As regarded to what was said by Mike Kreidler, the insurance rates are being decided by the insurance state commissioner and no body else. Here what do I mean? It is quite simple in the sense that any company insurance rate is given the commissioner to all the insurance companies. There are many insurance companies which rate is too expensive and others are cheap. This is to say that any company whose insurance rate is expensive has just been decided by the insurance company not from the insurance commissioner. Because these commissioners make sure that the insurance rates of all the companies are the same.

Below are some tips to know about a good health insurance agent. The agent must first of all be paid for the duties he will offer to the insurance. The best thing is to have a good qualification before you can apply to be an insurance agent because you must have a fast brain. These agents must be able to call customer to the company, know what the customers needs, helping the insurance in choosing the policies and must of all being at work in time. The agent must know that he is carrying out a project that is to satisfy the public not himself so they must be conscious of the public. He is there and no one is controlling him. Reading carefully through the duties of insurance agents will normally give you many ideas on the Duties Of A State Insurance Commissioner. When voting any state insurance Commissioner, you must be wise to choose the best person. The Author depends on Major Medical Insurance, Life Insurance company and Atlanta Georgia Insurance Companies and Quotes which is the best option for all those interested in any insurance.

Driving Quality Business with Insurance Leads

Insurance Leads provide contact information to agencies and companies interested in gaining new clients. Insurance Sales Leads  gather information through many methods developed by experienced and professional companies that offer a variety of options to interested businesses. Insurance Agent Leads can make the difference in the success or failure of a company in today's internet-friendly consumer market.

If you have been in the business for a considerable amount of time, you have most likely heard that insurance sales leads are the most important aspect of a successful insurance business. Any company that fails to investigate the usefulness in this service may be missing a large, prospective consumer base. The development of the internet and the growing use of the web by consumers to conduct personal business makes lead services an easy way for companies of all kinds to market their products. Leads are great, but without a good system to follow up and close with these leads, they are not worth the paper they are written on.

This service offers targeted facts to specifically accommodate insurance companies' needs. Any qualified company can offer quality and effective insurance sales leads through a variety of methods. You can gather insurance sales leads through ad campaigns, direct mail, newspaper ads, and other means. It is collected by consumers who may be interested in purchasing coverage. This information then is adjusted finely in order to provide contacts from the companies who have paid or shown interest in receiving this advice.

When a life insurance sales lead comes in to your office, it is very easy to feel overwhelmed by what you now have to do to make that lead convert to a sale. Many companies have specific software intended to target, filter, and verify information that is garnered from internet sources. Clues are compiled by companies and sold to any interested business that requests the data. Most targeted insurance sales leads have been double verified meaning it did not only pass through a specific filtering process for accuracy but also, it is verified again through another method, such as direct phone contact. This therefore insures a company that any insurance sales lead that is purchased offers a higher probability of closing than any other does. Unfortunately, this is the hardest step for most new insurance agents to master. Instead of concentrating on closing the lead, they focus on generating them. Therefore, they are now left with hundreds of insurance leads that they cannot close. Well I guess it is either they have a fear of closing with them, have a terrible system, or no system at all for contacting, following up, and closing those leads.

This exclusive information provided to businesses will provide a much better opportunity to pursue new clients. Targeted insurance sales leads are exclusive, meaning no other business has received the contact. This also allows the purchasing company first access to consumers. Insurance sales lead information should not be the product of incentivized counsel that is gathered through gifts, gift points, or any other method of incentive for consumers. Actually, these usually result in false data because most consumers provide information in exchange for something. They are not consumers who are interested in purchasing the product or service. If a business is interested in purchasing potential contacts, they can check with several internet sources for the best options available.

An insurance sale is a very emotional profession and recognizing this will get you far. People come to insurance companies when they are in turmoil or are thinking about the possibility that bad things could happen to them. It is your responsibility to stand above that chaos as the strong tree in the middle of a storm. If you do this, your clients will not only do more business with you, but instead they will even thank you every step of the way.

How to Increase your Sales with Life Insurance Leads

Life Insurance Leads are promising clients who ask an insurance person to get in touch with them concerning the selection of life insurance coverage that could fit their wants. Life Insurance Sales Leads are people who favor having an insurance agent to consult with relating to life insurance policies. Rather than running after people to force them to buy from you, life leads are those anticipating for your call.

Depending on the need to be solved, there are different types of life insurance leads. One are the mortgage insurance leads, who may need term life insurance to pay-off a mortgage balance in the event of premature death of a homeowner. There are also the buy-sell leads, who require life insurance that can be used to protect the interests of a partner's share of a business for their heirs. Another are the key-man leads, who essentially need life insurance to protect a business in the event of death of one of the business's vitally key employees. The final expense leads are retired seniors who may use a small whole life insurance policy to cover the final expenses of death. Lastly, there are the life settlement leads, who already own a life insurance policy but want to sell the policy's death benefit at a discount to obtain cash for current needs.

Agents never stop and keep on exploring the needs of prospective customers to see how life insurance may best solve them. If you are in the profession of selling life insurance, then you should definitely take advantage of the benefits that come from life insurance leads. It can really make a big difference. Instead of working long hours trying to figure out a lead, with life insurance sales leads, you can spend your day at work talking to people who really are interested in what you have to say. Once you have begun purchasing your life leads, you will realize that you will have much more time in the day. Your work time will be filled with meetings between you and people who are looking for what you have.

What is Builders Liability Insurance and Why You Need it?

Builders and contractors working on construction sites follow safety norms and standards to avoid workplace accidents, injuries, and damages. Yet accidents may occur in spite of all precautions. Builders Liability Insurance provides coverage to builders and contractors as well as from third party claims resulting due to various types of risks in the form of accidents, thefts, damages, and injuries. Builders Liability Insurance covers a spectrum of construction related insurance packages like Public Liability Insurance, Employers Liability Insurance, Contractors All Risk Insurance etc.

Builders Liability Insurance Covers:
The builder liability insurance is beneficial for various trades across construction industry.

Public Liability Insurance
Public liability insurance provides protection from any third party claims made against the businesses. It covers claims when employees, sub-contractors, directors, owners are held accountable for any injury or damage caused to the third party or their properties. Public liability insurance also covers legal costs that have to be incurred for defending the claims. It also covers claims made for defective products. The amount of premium will vary based on different factors like type of business, previous claims, projected turnover, and number of employees. This type of Insurance is useful for tradesman, builders, and contractors.

Employers Liability Insurance
Employers liability insurance provides coverage to employers when any of the employee or workers suffers physical injury or death while on work and it is proved that the injury or death occurred due to employer's negligence. It covers the employers against all the claims made by injured employee or relatives of deceased employee for compensation. Employers liability insurance also covers the associated legal costs. This insurance is suitable for companies having employees or workers. The employers liability insurance is issued along with public liability insurance.

Contractors All Risks Insurance
Contractors all risks insurance covers loss or damage to contract works, own plant, hired-in plant, and employee's tools. The contract works section of this insurance is the main part which provides coverage for only the property on which the work is going on. This insurance will cover loss or damage to contract works or materials when any of the work going on is damaged. It will also cover loss or damage caused to the plant of owner including his machinery, tools, and equipments. Contractors all risk insurance also provides cover for theft, loss, or damage to machinery, equipments, tools which are hired in plants from outside like hire yards. Some insurers also extend this insurance to cover loss or damage to owner or employee's hand held or power tools. This insurance is useful for contractors, builders, and other trades in the construction industry.

Personal Insurance
Personal Insurance or Personal Accident Insurance is suitable for owners, Directors, sole Traders who in case get injured in an accident and can not work for a certain period of time. In such case they also can not sue their own company. It provides for a 24 hour cover which is not limited to work related accidents. This insurance provides an income during the entire course of period for which insured is unable to work. Personal accident insurance provides three distinct benefits in the form of monthly tax free income, hospital cash, and lump sum (capital benefits). A monthly tax free income means the insured gets a tax free benefit after one month and continues to receive it for entire recovery period. While, hospital cash means the insured gets some amount as expenses towards his stay in hospital. A lump sum means the insured gets certain amount depending on nature of injury. The personal accident insurance relieves the insured from financial worries when he has to rest and recover. This insurance is popular in construction industry.

Machinery Insurance
Machinery Insurance provides protection against any type of loss or damage to most of machineries and equipments used in the construction industry like cranes, earth moving equipments etc. This insurance is especially useful for construction industry where a lot of machinery is used and is exposed to rough field conditions on routine basis.

As there are chances of accidents, thefts, injuries, and damages during construction work, the Builders Liability Insurance provides a much needed protection from claims which can be detrimental to construction businesses. It is also useful to cover third party claims for damages caused to other's property.

AN INSURANCE BROKERS GUIDE TO ENSURING A SUCCESSFUL MOVE

As an Executive Search Consultant specializing in the recruitment of senior level executives, Producers and Producer teams for the retail brokerage community, I have had the opportunity over the past several years to assist dozens of individual Producers and several Producer teams to make the transition to a new brokerage house. I realize this can be intimidating if this is the first time you have made such a move. This short guide is designed to help you navigate through the process so that when come out on the other side with your new firm, you have all the information necessary to service your client's needs without violating or breaching any non-competes or employment agreements.

Remember, bottom line is that your employer's property is your employer's property. Electronic form, paper form, and human form, take any form and you'll find yourself in trouble, or at least having difficulty defending yourself should your old employer decide to take legal action against you. Your new employer should indemnify you against any litigation as part of your employment contract. When negotiating your deal, this should be part of your employment agreement. However, if you have taken any form of your former employer's property it can in many cases void the indemnification section of your employment contract. If you follow the suggestions and steps outlined in this guild you should minimize any litigation that may arise as a result of you jumping ship. This is not to say that there won't be a law suit, anyone can sue anyone. This guide is meant as a "how to" manual and should not be a replacement for legal advice. Please consult an attorney for any legal questions regarding your situation.

SECTION ONE Client Information

The good news is that this is the easiest area to deal with when it comes to making a move. The bad news is that this is the area most often violated by Brokers when making a move and there is absolutely no reason for this to happen. Without failure, every time I talk with a Broker for the first time I warn them about the dangers of emailing client information to their personal email or their spouses personal email account. Without failure at least once a year I have a broker get in hot water because they thought they could sneak one email in and not get caught. Most companies' IT department's today have implemented off boarding processes whereby when an employee leaves a company they review all outgoing email records for the past 30 to 60 days to determine if any proprietary information was transferred from the company. Any files that are determined to be "proprietary" are "red flagged". Don't email files to spouses, friends or other emails accounts. This is what will get you in trouble! Don't think that if you erase it from your computer it's gone, a good forensic IT department can recover such files with no problems what so ever. If it was sent over the internet, it can't be erased. You can erase it from the computer that it was sent from and the one that received it. But if it went through a server, and chances are certain it did there will be a recoverable record to be used against you in a court of law.

The only party you should be emailing client information to is the client or the carrier...and there lies the answers to your problem of having all your client information available to you when you set up shop with your new employer. Make sure your clients have a copy of your work product. It belongs to them and they can share it with anyone they want! Make an electronic copy of the file and all the loss runs and email them to the client. In

many large shops you are required, in the name of transparency, to send the client this information. By doing so you're just following company rules and guidelines. You can also advise client's that they should have this as part of their business recovery emergency plan. Once you get to your new employer and you BOR'ed the account (we'll discuss this in the next section) you'll need to call the client and ask them if they can forward that information that you sent them. This is one way of getting your file information to the client. If your book of business consists of hundreds of small accounts ($2,500 to $7,500 in size) it may not be practical to electronically copy all those files and send it to the clients. In this case, after you have BOR'ed the account contact the carrier for all the information you would have had in the file. As you can see there is no need for you to take any files what so ever from your current employer. If you provide quality customer service, every piece of documentation you will need will be on the other side when you start with your new employer. Don't take files, don't take records, and don't even take a pencil! Why open your self to the unnecessary liability? It's just not worth it!

SECTION TWO Clients

Let's face it the insurance brokerage business is a relationship based business! If your client's have been with you for any length of time they have told you "Where ever you go, I go" or "tell me what flag you're operating under and I'll follow you". The truth is your clients do business with you because they trust you and have faith in your abilities to manage their risks. Clients are seldom with a broker solely due to the name of the firm. Unless you have recently acquired an account that was solely based on price your clients will value you and likely follow.

This section is going to be formatted into a 30 day time continuum. It's going to be based on a premise that you will begin having conversations with your clients 30 days prior to

you're leaving your current firm. The goal is to have all your accounts broken down into three distinct categories. These categories consist of 1. In the bag! 2. I think so, or 50/50 and 3. You'll have to compete for the business again at renewal time. In preparation of leaving you will want to have a conversation with your key accounts. This should be a natural conversation over lunch, dinner, golf, or some other meeting with you client. In the conversation you want to say "I'm considering an opportunity and I may be leaving my current firm". (Don't mention what firm you're moving to) Just listen to what they say after you indicate you may be leaving you're current firm. What you can't say is "I want you to follow me". Naturally there will be questions asked of you such as:

Client: Why are you leaving?

Your Response: Changes have taken place in my current firm that has caused the culture to change and ultimately I believe this will have an impact on how we service our clients. This is why I am choosing to leave the firm and go with a firm that is dedicated in supporting me in providing quality customer service.

Client: Where are you going?

Your Response: I can't tell you, I'm still being paid by my current employer. It would be unethical for me to promote my new firm while still being employed by my current firm.

Client: When are you leaving?

Your Response: I haven't made up my mind but it will be soon. Once I get to my new firm I'll make sure you get a copy of the press release. You do have my cell phone number don't you?

Out of this conversation you will get a sense of what category this client should be placed. Their either going to say "Where ever you go, I go" (Category #1 in the bag), or "Let me know where you land", no commitment (Category #2 I think so, or 50/50) and finally, "Come see me at renewal and let's see how things pan out" (Category #3 You will have to compete for the business again at renewal time). Again, if your clients have been with you for any length of time and you have a good relationship with them they will understand the situation. Reassure them that you will be in contact with them in the near future, but also thank them for their business and support over the years. It never hurts to reaffirm your gratitude for their business.

Place all your clients into one of the three categories. This will be important especially when we get to the first day with the new firm. On the first day with the new firm you will want to send out a press release to all your clients. Do you know their email fax and mailing address? If you have a company phone/PDA you may want to consider getting your own personal one and start inputting this information into your unit. You'll need address information to send the clients a copy of the press release announcing your move to the new firm. Don't forget, only load information into your personal PDA that would be available in the public domain or call the client to get the information. Do not get any of the information for your personal PDA from your client files. Ideally, if you get a personal email address from the client all the better, you now have a personal relationship with the client.

On the day you give notice one of two things will happen. You will be asked to coordinate the smooth transition of the client files to your new firm (This happens when the sun comes up in the west) or most likely you'll be shown the door and asked to leave immediately and told your personal items will be sent to you. If you have worked from home and have transferred files to home at any point in time, this is an excellent time to raise the question as part of your resignation letter as to how your former employer would

like for you to handle these files. This puts them on notice that you have proprietary company information that you would like to return and you would like for them to give you a response as to how this should be accomplished. A lot of times the company will tell you to just delete the information. Bottom line it makes it difficult for them to come back after you and say that you took proprietary information, if up front you tell them you have company files on your computer at home and how do they want to handle the return of the information.

On the last day with your old firm you will call all your client's and tell them "Today is my last day at X firm. I start Monday morning with my new firm" This is a common courtesy to a valued client. Hopefully the client calls you Monday morning and you can go over and get the BOR on the account and continue life as usual with that client. If the client asks "I want to go with you", your reply should be "I can't ask for your business while employed with X. You have my cell phone number. If you call me Monday I'll be free to discuss it then. Do not solicit their business or discuss moving their business while still working for your old employer.

On the first day at your new firm, your new employer will want to send out a press release announcing that you have moved to a new firm. This press release should issued to all the existing clientele of the firm in addition to your clients via email plus carriers, key contacts, etc. Within two days of that press release going out, if you haven't heard from all your category #1 clients call them to see if they got the notice (It gives you a reason to call). At that time set an appointment to meet with them at the earliest possible date to get the BOR. Category #2 will now take between a week and 60 days to move this business over. These clients will need to be called, wined and dinned. But in the end a good portion should come over if the relationship is strong. Category #3 will come down to you being the good Broker you were in the first place to win the business the first time around.

If you won the business purely on price you will have to be competitive. If you won it based on service then develop a new marketing strategy based on the strengths of your new firm. If you have serviced the business effectively and have done your job, you should have a competitive advantage over the other Brokers you're competing with.

In summary, if you're going to make a move it should be for all the right reasons, and should produce the best possible outcomes for you both mentally and financially. The best way to ensure that you're move results in a maximum financial return with minimal liability is to have a solid plan to execute against. So let's review, prior to termination client files and work product must be transferred to the client or the carrier, it belongs to them. After you have sent it, call them to confirm they received the information. If after you get to your new firm and you didn't forward the files to the client, get it from the carrier. Don't copy or email files, remember your employer's property is your employers property. Don't even take a pencil! At 30 days out start having conversations with your key accounts to get a feel for what category they will fall into. In the bag, I think so / 50/50, or you'll have to compete for the business all over again. On the day you resign, prepare a resignation letter that includes verbiage that puts the company on notice that you have files on your personal computer at home and request instructions on how they would like you to deal with this. Before resigning call all your clients and advise them that it is your last day with your current employer. Give them your new employers name and make sure they have your cell phone number. Leave your office clean, neat and orderly for the next person who will use it. Leave it in move in condition. Don't tell your support staff you're leaving ahead of time or that you'll take them with you. Just let them know that your new firm will recruit who you need. Tell your staff to look on Monster or Career Builder for an advertisement and if interested to apply for the position or call your new employer and apply for a job.

On your first day at your new employer send out a press release. If by the 2nd day you don't hear from your "In the bag" category #1 group, start calling them and ask if they got the notice. They may have a spam blocker that may have prevented the notice from getting through. This will give you a chance to set that meeting to go get the BOR. Once you have all the "In the bag" "tied up". Start focusing on the "I think so / 50/50". Call them, go visit them, and push to get the BOR. The third group work hard to get them at renewal. Good luck, if done right this should create a mental and financial boost for you!

New York Auto Insurance Quotes Checklist

If you are in need of a car insurance policy, New York Auto Insurance suggests that you take a look at the following checklist that will help you get the coverage you need for a price you can afford.

Tip 1 The best time to shop for a new car insurance policy is a month or so before you renewal date. When you give yourself enough lead time, you can carefully review all your options for coverage without having to make an immediate decision. Obtaining the right kind of protection is crucial to your financial security.

New York Auto Insurance also suggests that you review your coverage options bi-annually if not annually. Because of changes in your personal status, such as marriages or a child turning 16, your rates and available discounts are subject to change.



Tip 2 Before attempting to obtain quotes for car insurance, have the following information ready and available.

• Personal information like age, driver's license number and driving record.


• The make, model and year of your vehicle. Make sure to mention any additional safety features like car alarms and air bags.


• Past insurance history.


• What you can afford to pay in deductibles. Remember that if you opt for larger deductibles, your premium will be more affordable.


• Miscellaneous information that may help you obtain a discount. Things like a good driving record, driver's education courses, driving a minimal amount of miles and owning an eco-friendly car may save you some cash.

Tip 3 To take advantage of comparisons shopping, you must be certain to obtain quotes from several companies that reflect the exact same amount of coverage and deductibles. Make sure that you are receiving actual quotes for coverage and not just estimated costs. Comparison shopping online has never been easier and several sites are available for such use. Simply plug in your information and you will instantly receive quotes from several leading insurers.
Once you have thoroughly reviewed all your options, you will be able to make an informed decision in regards to what coverage and which company will work best for you. Contact New York Auto Insurance today for more details on obtaining quality car insurance coverage today.