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.
Showing posts with label Insurance Stories. Show all posts
Showing posts with label Insurance Stories. Show all posts
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
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
Duties of a state insurance Commissioner
Tuesday, April 13, 2010
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.
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.
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!
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!
Five state Insurance Launches Online Service
Friday, April 9, 2010
Five state Insurance PT Taspen, PT Jamsostek, PT Askes, PT Jasa Raharja, and launched the Indonesia Insurance Asabri Shared Service Platform (Insure Net) platform along with services and transactions online.
Net InSure program launch was conducted in the Office of the Ministry of State Owned Enterprises, Jakarta, Thursday (15/10).
In addition to State Enterprises Minister Sofyan Djalil witnessed, was also present five state-owned insurance is the Managing Director and CEO of Telkom Rinaldi Firmansyah.
"This is a synergy of these two fields of information technology after SOE's banking IT synergies," said Sofyan.
Net InSure that Telkom's as liaison with insurance institutions and other health actors entities such as the pharmaceutical industry, healthcare providers, regulators, including with other financial institutions.
According to Telkom's Managing Director, Net InSure this technology solution can cut costs up to 30% of insurance companies, and business growth mempercapt health care / insurance.
For the first phase, a total of 123 million data of participants from five insurance companies red plates are now incorporated in the Insure Net.
Net InSure is currently developed in stages, where in the first phase will commence with the development of joint membership data.
Participant data insurance in the Association of State-Owned Insurance (Asgara) had been successfully combined, the data is expected to be used more than 700 medical institutions such as hospitals, polyclinics, and health centers for the verification process participant data.
Net InSure program launch was conducted in the Office of the Ministry of State Owned Enterprises, Jakarta, Thursday (15/10).
In addition to State Enterprises Minister Sofyan Djalil witnessed, was also present five state-owned insurance is the Managing Director and CEO of Telkom Rinaldi Firmansyah.
"This is a synergy of these two fields of information technology after SOE's banking IT synergies," said Sofyan.
Net InSure that Telkom's as liaison with insurance institutions and other health actors entities such as the pharmaceutical industry, healthcare providers, regulators, including with other financial institutions.
According to Telkom's Managing Director, Net InSure this technology solution can cut costs up to 30% of insurance companies, and business growth mempercapt health care / insurance.
For the first phase, a total of 123 million data of participants from five insurance companies red plates are now incorporated in the Insure Net.
Net InSure is currently developed in stages, where in the first phase will commence with the development of joint membership data.
Participant data insurance in the Association of State-Owned Insurance (Asgara) had been successfully combined, the data is expected to be used more than 700 medical institutions such as hospitals, polyclinics, and health centers for the verification process participant data.
Will Maybank's 60% Share Acquisitions Anugrah Life Insurance
The financial services company based in Malaysia, Mazybank will acquire 60% stake in PT Anugrah Life Insurance, a subsidiary of PT Panin Life, Tbk. Memorandum of Understanding (MoU), said President Director of PT Panin Life Tbk, Dawn Gunawan in Jakarta on Friday (30 / 1), has been signed by both parties in Jakarta, today (30 / 3).
Dawn said, Panin has in addition a subsidiary of PT Anugrah Insurance, also has a subsidiary of Panin Bank, one of the 10 largest banks. The MoU signing was held in Jakarta, added Vice President Director Panin Life Tridjoko Santoso, conducted by the President and CEO of Maybank, Amirsham A Aziz, and President Director Fadjar Gunawan.
Tri Djoko added, with the existence of a strategic partnership that Grace can now pocket the paid up capital of Rp40 billion, where 60% held by Maybank and the rest is owned by Panin and Grace. After some sahamhya owned by foreign investors, he said, the company will concentrate on marketing the products through banks / bancassurance and market Islamic products. "Maybank already has experience in Islamic products to market in several countries," said Tri Djoko.
Dawn said, Panin has in addition a subsidiary of PT Anugrah Insurance, also has a subsidiary of Panin Bank, one of the 10 largest banks. The MoU signing was held in Jakarta, added Vice President Director Panin Life Tridjoko Santoso, conducted by the President and CEO of Maybank, Amirsham A Aziz, and President Director Fadjar Gunawan.
Tri Djoko added, with the existence of a strategic partnership that Grace can now pocket the paid up capital of Rp40 billion, where 60% held by Maybank and the rest is owned by Panin and Grace. After some sahamhya owned by foreign investors, he said, the company will concentrate on marketing the products through banks / bancassurance and market Islamic products. "Maybank already has experience in Islamic products to market in several countries," said Tri Djoko.
Alex Noerdin Insure delivering newspapers in Kilkenny 1000
Thursday, April 1, 2010
A total of 1000 deliveryman or retailers and newsagents in the city of Palembang, guaranteed life insurance so that in carrying out everyday activities can feel more calm and protected.
Insurance policy for residents who work as newspaper deliveryman and agents in carrying out duties given to delivering newspapers to the customers feel more calm and get protection, said H. Alex Noerdin in Palembang, Monday.
According to him, insurance policies have been handed over to the bus drivers, taxi drivers, a motorcycle, pedicab drivers, and was last submitted to the 1000 deliveryman or retailers and newsagents in Palembang on 10 August 2008.
According to Alex, the provision of life insurance is a concern for the deliveryman and the newsagent's every day without rest, either directly or go to the customer peddle from house to house so that important information can be immediately up and acknowledged by the wider community.
"They (the messenger and agent - ed), deserves our attention because the newspaper delivered to subscribers every day is a tough task especially at high risk accident on the highway, so it needs to be assisted and protected through the provision of life insurance policy," said former Regent Musi Banyuasin it.
According to him, specifically the deliveryman and targeted newsagent warranty given as many as 2,000 people have life insurance, plus more before the pedicab drivers, bus drivers, taxi drivers within the last year alone the number has reached 27 thousand people.
"Concerning a program providing free life insurance are, in the year 2008 it has been programmed as much as 100 thousand people to the bus drivers, taxi drivers, motorcycle taxi drivers, including delivering newspapers and agencies in South Sumatra," he added.
While the leadership of Islamic Life Insurance Branch, Hj. Sumiyati, separately said that each participant is given an insurance policy valued at USD 50 thousand, or a total assistance of Alex H. Noerdin reached USD 50 million with a mortgage when the accident died from Rp 10 million and injured at least secured USD 2.5 million per people.
Insurance policy for residents who work as newspaper deliveryman and agents in carrying out duties given to delivering newspapers to the customers feel more calm and get protection, said H. Alex Noerdin in Palembang, Monday.
According to him, insurance policies have been handed over to the bus drivers, taxi drivers, a motorcycle, pedicab drivers, and was last submitted to the 1000 deliveryman or retailers and newsagents in Palembang on 10 August 2008.
According to Alex, the provision of life insurance is a concern for the deliveryman and the newsagent's every day without rest, either directly or go to the customer peddle from house to house so that important information can be immediately up and acknowledged by the wider community.
"They (the messenger and agent - ed), deserves our attention because the newspaper delivered to subscribers every day is a tough task especially at high risk accident on the highway, so it needs to be assisted and protected through the provision of life insurance policy," said former Regent Musi Banyuasin it.
According to him, specifically the deliveryman and targeted newsagent warranty given as many as 2,000 people have life insurance, plus more before the pedicab drivers, bus drivers, taxi drivers within the last year alone the number has reached 27 thousand people.
"Concerning a program providing free life insurance are, in the year 2008 it has been programmed as much as 100 thousand people to the bus drivers, taxi drivers, motorcycle taxi drivers, including delivering newspapers and agencies in South Sumatra," he added.
While the leadership of Islamic Life Insurance Branch, Hj. Sumiyati, separately said that each participant is given an insurance policy valued at USD 50 thousand, or a total assistance of Alex H. Noerdin reached USD 50 million with a mortgage when the accident died from Rp 10 million and injured at least secured USD 2.5 million per people.
Will Insurance Companies Estimate Infobank falling
Wednesday, March 31, 2010
Infobank Research Bureau estimates that the plan the Department of Finance (MOF) to create architecture Insurance Indonesia will cause `autumn 'for insurance companies, which would be the reduction in strong companies that have capital and the demise of insurance capital is less.
"Costs of capital are becoming increasingly important because it relates to the business of insurance companies that are absorbing the risk. The role of capital will be clearer when the Indonesian Insurance Architecture becomes a reality," said Director of Research Bureau InfoBank, Eko B. Supriyanto, in the event announcement "Insurance 134 Rating InfoBank version 2005", in Jakarta, Monday (20 / 6).
Previously, insurance companies also fell after the Treasury Department as an insurance regulator stressed the importance of capital for insurance companies or so-called "risk-based capital" (RBC) or capital adequacy ratio.
Regulations are strictly enforced beginning in December 2004 has caused as many as 14 insurance companies permit has been revoked by the Ministry of Finance.
Described According to the Bureau of Research, until the end of 2004 insurance companies are not able to meet the 120% RBC is twofold. But that does not remove the balance sheet or financial statements of the publication there are nine life insurance companies and six general insurance companies.
"While that is still sanctioned restrictions on business activities or PKU there are four insurance companies," said Eko B. Supriyanto.
Apart from this, according to Eko, the insurance industry growth seen in Indonesia, where growth in gross premiums reached 33.08% of life insurance and general insurance premiums experienced perumbuhan 12.95% compared with the previous year.
"This means the insurance business continues to grow is actually still in the midst of starting the process of consolidation," said Eko.
Eko is also considered that the insurance companies getting better at choosing a strategy for its investment portfolio, where the portfolio is no longer dominated by deposits.
"The portion of these deposits is now 25.45%, followed by investments in stocks and bonds, 24.66% and marketable securities amounting to 20.46%. Meanwhile, mutual funds and direct investments respectively 10.14% and 10.74%," Eko said.
Described from a study of Bureau of Research, Insurance Rating Methodological approaches to financial statements 10 criteria: RBC, liquidity ratio, the ratio of technical reserves with current assets, the ratio of premiums to the premium reserve retention, changes in gross premium income, premium retention ratio itself with its own capital, investment ratio of technical reserves plus debt claims, the ratio of net claims expenses to net premiums, the ratio of revenue expenses with revenue, and the ratio of average income with their own capital.
"Costs of capital are becoming increasingly important because it relates to the business of insurance companies that are absorbing the risk. The role of capital will be clearer when the Indonesian Insurance Architecture becomes a reality," said Director of Research Bureau InfoBank, Eko B. Supriyanto, in the event announcement "Insurance 134 Rating InfoBank version 2005", in Jakarta, Monday (20 / 6).
Previously, insurance companies also fell after the Treasury Department as an insurance regulator stressed the importance of capital for insurance companies or so-called "risk-based capital" (RBC) or capital adequacy ratio.
Regulations are strictly enforced beginning in December 2004 has caused as many as 14 insurance companies permit has been revoked by the Ministry of Finance.
Described According to the Bureau of Research, until the end of 2004 insurance companies are not able to meet the 120% RBC is twofold. But that does not remove the balance sheet or financial statements of the publication there are nine life insurance companies and six general insurance companies.
"While that is still sanctioned restrictions on business activities or PKU there are four insurance companies," said Eko B. Supriyanto.
Apart from this, according to Eko, the insurance industry growth seen in Indonesia, where growth in gross premiums reached 33.08% of life insurance and general insurance premiums experienced perumbuhan 12.95% compared with the previous year.
"This means the insurance business continues to grow is actually still in the midst of starting the process of consolidation," said Eko.
Eko is also considered that the insurance companies getting better at choosing a strategy for its investment portfolio, where the portfolio is no longer dominated by deposits.
"The portion of these deposits is now 25.45%, followed by investments in stocks and bonds, 24.66% and marketable securities amounting to 20.46%. Meanwhile, mutual funds and direct investments respectively 10.14% and 10.74%," Eko said.
Described from a study of Bureau of Research, Insurance Rating Methodological approaches to financial statements 10 criteria: RBC, liquidity ratio, the ratio of technical reserves with current assets, the ratio of premiums to the premium reserve retention, changes in gross premium income, premium retention ratio itself with its own capital, investment ratio of technical reserves plus debt claims, the ratio of net claims expenses to net premiums, the ratio of revenue expenses with revenue, and the ratio of average income with their own capital.
Indonesia Insurance agents isolated in the International
The insurance agent from Indonesia, until now still isolated on the international community because the meeting has not yet asossiasi registered as a member of Asia Pacific Financial Services Association (APFSA), an association of the soul asuansi agents in Asia Pacific.
Not yet registered life insurance agents, said Ida Kurainy, associate director Ida Kurainy, after a featured speaker at the Congress Aplic / Asia Pacific Life to the 8th Congress in Genting, Malaysia, Sunday, because in Indonesia there is no special association life insurance agent.
In Indonesia, according to Ida, who was just like the Insurance Companies Association of Indonesian Life Insurance Association (AAJI) General Insurance Association of Indonesia (AAUI). Both institutions were not only represents insurance companies in the insurance agent. "Therefore, the formation of the association agent in Indonesia is very urgent," said Ida.
He demonstrated the existence of associate agents in Malaysia. "Here, there are life insurance agents association namely Namlifa (National Association of Malaysian Life Insurance and Financial Advisors), while associations of insurance companies is Liam (the Association of Malaysian Life Insurance)." In Indonesia there is only AAJI so that we can not represent Indonesia Aplic meeting that, "he said.
Number of members APFSA currently 18 countries in Asia Pasific.Selain Vietnam, Indonesia is the only country in ASEAN that are not yet members APFSA. Therefore, according to him, Indonesia needs to immediately make the association of life insurance agents are not isolated from the community to an international meeting like the meeting Aplic today.
"The number of agents in Indonesia are now more than 80 thousand of agents, but do not have a clear container so that if there are agents who have a problem, such as an agent of Prudential Life, and other insurance companies, there is no advocacy, legal and moral defense of the associations concerned. Conversely, if there are insurance agents who violate the code of ethics, then no sanctions, "he said.
Answering questions from AFP, he said, "My presence as a speaker here, just because intercourse alone and my ability in the field of life insurance. Therefore, I am sad to see many participants from Indonesia, about 100 people joined the meeting an agent here, the personal name which does not represent a nation.
Aplic meeting attended by about 10,000 people in Genting's agents, he said, enough to contribute to the tourism industry, because in addition to agents who joined the Congress, it turns out they also bring the family.
"If Indonesia has a container of insurance agents and registered as a member APFSA, it can be proposed Indonesia as the host at a gathering of life insurance agents who carried out once every two years," he said, adding, introduction to Indonesia through international forums to be done. Meanwhile, a number of Indonesian life insurance agents, like Michael and Janet, who took part in the meeting, wants the establishment of a container agents.
"We hope that, by 2009 Indonesia will host the meeting this Aplic, home this year, Indonesia already has life insurance agents association," said Michael.
Not yet registered life insurance agents, said Ida Kurainy, associate director Ida Kurainy, after a featured speaker at the Congress Aplic / Asia Pacific Life to the 8th Congress in Genting, Malaysia, Sunday, because in Indonesia there is no special association life insurance agent.
In Indonesia, according to Ida, who was just like the Insurance Companies Association of Indonesian Life Insurance Association (AAJI) General Insurance Association of Indonesia (AAUI). Both institutions were not only represents insurance companies in the insurance agent. "Therefore, the formation of the association agent in Indonesia is very urgent," said Ida.
He demonstrated the existence of associate agents in Malaysia. "Here, there are life insurance agents association namely Namlifa (National Association of Malaysian Life Insurance and Financial Advisors), while associations of insurance companies is Liam (the Association of Malaysian Life Insurance)." In Indonesia there is only AAJI so that we can not represent Indonesia Aplic meeting that, "he said.
Number of members APFSA currently 18 countries in Asia Pasific.Selain Vietnam, Indonesia is the only country in ASEAN that are not yet members APFSA. Therefore, according to him, Indonesia needs to immediately make the association of life insurance agents are not isolated from the community to an international meeting like the meeting Aplic today.
"The number of agents in Indonesia are now more than 80 thousand of agents, but do not have a clear container so that if there are agents who have a problem, such as an agent of Prudential Life, and other insurance companies, there is no advocacy, legal and moral defense of the associations concerned. Conversely, if there are insurance agents who violate the code of ethics, then no sanctions, "he said.
Answering questions from AFP, he said, "My presence as a speaker here, just because intercourse alone and my ability in the field of life insurance. Therefore, I am sad to see many participants from Indonesia, about 100 people joined the meeting an agent here, the personal name which does not represent a nation.
Aplic meeting attended by about 10,000 people in Genting's agents, he said, enough to contribute to the tourism industry, because in addition to agents who joined the Congress, it turns out they also bring the family.
"If Indonesia has a container of insurance agents and registered as a member APFSA, it can be proposed Indonesia as the host at a gathering of life insurance agents who carried out once every two years," he said, adding, introduction to Indonesia through international forums to be done. Meanwhile, a number of Indonesian life insurance agents, like Michael and Janet, who took part in the meeting, wants the establishment of a container agents.
"We hope that, by 2009 Indonesia will host the meeting this Aplic, home this year, Indonesia already has life insurance agents association," said Michael.
PT. Bakrie Telecom Cooperation With Mega Life Insurance
PT. Bakrie Telecom and PT. Mega Life Insurance provides insurance protection to customers who use the feature Upland Esia (features used by customers when out of town).
"The increasing usage of Esia Upland, then we want to provide better service to loyal customers by providing protection Esia personal accident insurance," said Vice President Director of PT. Bakrie Telecom, Erik Meijer, in Jakarta, Wednesday (03 / 6).
These facilities, he said, automatically given to the customer after the customer to enable Esia Upland.
He said Bakrie Telecom in liaison with Mega Life provides personal accident protection program worth Rp1 million, for 45 days for customers who activate Esia Upland.
In addition, he said, there are also additional program that is personal accident insurance cover worth Rp50 million over 30 days, to customers who successfully recommends a new Esia customers.
"For those customers who were also recommended to get personal accident insurance cover worth Rp10 million after those customers refill at least Rp10 thousand," he said.
He said, customers who successfully recommends a new customer will also get bonus talktime on-net calls and SMS Rp5.000, each perekomendasian successful.
According to him, the number of cities served by the more extensive Bakrie Telecom, Esia has presence in 69 cities across the country.
"More and more cities are served by the cooperation with Megalife Life Insurance will provide benefits to customers Esia because they're out of town are covered by free insurance," he said.
"The increasing usage of Esia Upland, then we want to provide better service to loyal customers by providing protection Esia personal accident insurance," said Vice President Director of PT. Bakrie Telecom, Erik Meijer, in Jakarta, Wednesday (03 / 6).
These facilities, he said, automatically given to the customer after the customer to enable Esia Upland.
He said Bakrie Telecom in liaison with Mega Life provides personal accident protection program worth Rp1 million, for 45 days for customers who activate Esia Upland.
In addition, he said, there are also additional program that is personal accident insurance cover worth Rp50 million over 30 days, to customers who successfully recommends a new Esia customers.
"For those customers who were also recommended to get personal accident insurance cover worth Rp10 million after those customers refill at least Rp10 thousand," he said.
He said, customers who successfully recommends a new customer will also get bonus talktime on-net calls and SMS Rp5.000, each perekomendasian successful.
According to him, the number of cities served by the more extensive Bakrie Telecom, Esia has presence in 69 cities across the country.
"More and more cities are served by the cooperation with Megalife Life Insurance will provide benefits to customers Esia because they're out of town are covered by free insurance," he said.
Michael Jackson Life Insurance Only U.S. $ 3 Million
The rumor that Michael Jackson's life insurance reached a value of U.S. $ 13 million more are untrue. Recently the party who appointed him to manage legacy treasure called only received some U.S. $ 3 million just from the life insurance.
John Branca and John McClain, two people appointed by the late Michael to complete the division of property inheritance and take care of everything After the death of Michael, decided immediately to take care of this insurance problem. Some speculate that these two men did not want to get life insurance he could not be disbursed if proven drugs are the cause of death of the deceased.
ContactMusic also mention that there is a possibility of AEG Live will lose the opportunity to get insurance payments that reportedly reached a value of U.S. $ 17.5 million because insurance does not include deaths from drug abuse problem. Autopsy leaks both Michael, it was said, it mentions that propofol was the cause of heart attacks experienced Michael who eventually claimed his life late last June.
John Branca and John McClain, two people appointed by the late Michael to complete the division of property inheritance and take care of everything After the death of Michael, decided immediately to take care of this insurance problem. Some speculate that these two men did not want to get life insurance he could not be disbursed if proven drugs are the cause of death of the deceased.
ContactMusic also mention that there is a possibility of AEG Live will lose the opportunity to get insurance payments that reportedly reached a value of U.S. $ 17.5 million because insurance does not include deaths from drug abuse problem. Autopsy leaks both Michael, it was said, it mentions that propofol was the cause of heart attacks experienced Michael who eventually claimed his life late last June.
Tips Choosing the Right Life Insurance
Friday, March 19, 2010
Tips and accurate Choosing Life Insurance - Life insurance becomes a critical requirement related to financial planning. In recent years, unit-linked products, including life insurance category grew and gave a lot of offers. Should carefully before investing who have had this protection.
Choose products that provide space for customers to adapt to the needs and abilities. There is desirable products, because only by setting aside 10 thousand dollars per day, you can pay a premium for the protection and long-term investment. But not just cheap, you need to also examine the extent of adjustments that you can do.
For example, changing the investment benefits, in this case raises, reduce, or even eliminate the benefits of protection, according to the amount of premium. Is then the premium will also increase or follow the previous premium, if the customer then make adjustments as needed such benefits because of work.
Syafriadi Hutagalung, manager of an insurance agent life insurance said, should be representative of insurance products and adapt to the needs of customers. "Customers should be involved in managing finances. Old model, the financial institutions to act unilaterally in the ownership of the product is no longer relevant to see the present conditions, "explained the man who is often addressed to the Compass Adhie Female.
To ensure the product is safe, thorough financial institutions are also the product issuer. This can be seen from the professionalism of insurance agents. Ask whether the agent has a certification from the Indonesian Life Insurance Association (AAJI) for example. Could also recognize the company's performance by measuring against the insurance industry recognition. Award of a number of economic media company's performance, even the recognition of the world need to be taken into account.
Meanwhile, financial planners, Aidil Akbar Madjid said should select a pure life insurance. That means there are no payments from insurance companies for customers is still alive for the protection of certain diseases, which can be claimed by the publisher of unit-linked products. "Life insurance is a pure means of payment if the customer dies," said Akbar.
Akbar admitted many facilities provided by the investors if they have a link unit. But the benefits can be obtained relatively small. Admittedly, the products in this advanced category can be very good for investment protection. But not necessarily compatible with each person.
Akbar advised people with incomes 2-3 million per month should choose other investment products. Investment products such as gold or precious metal deposits more appropriate. However, this option remains be returned to your needs, short, medium, long, and the risks.
We recommend that you select insurance products in more detail before discussing the advantages and disadvantages. Professional insurance agent should provide a space for discussion and not just "sell" products.
Source: kompas.com
Choose products that provide space for customers to adapt to the needs and abilities. There is desirable products, because only by setting aside 10 thousand dollars per day, you can pay a premium for the protection and long-term investment. But not just cheap, you need to also examine the extent of adjustments that you can do.
For example, changing the investment benefits, in this case raises, reduce, or even eliminate the benefits of protection, according to the amount of premium. Is then the premium will also increase or follow the previous premium, if the customer then make adjustments as needed such benefits because of work.
Syafriadi Hutagalung, manager of an insurance agent life insurance said, should be representative of insurance products and adapt to the needs of customers. "Customers should be involved in managing finances. Old model, the financial institutions to act unilaterally in the ownership of the product is no longer relevant to see the present conditions, "explained the man who is often addressed to the Compass Adhie Female.
To ensure the product is safe, thorough financial institutions are also the product issuer. This can be seen from the professionalism of insurance agents. Ask whether the agent has a certification from the Indonesian Life Insurance Association (AAJI) for example. Could also recognize the company's performance by measuring against the insurance industry recognition. Award of a number of economic media company's performance, even the recognition of the world need to be taken into account.
Meanwhile, financial planners, Aidil Akbar Madjid said should select a pure life insurance. That means there are no payments from insurance companies for customers is still alive for the protection of certain diseases, which can be claimed by the publisher of unit-linked products. "Life insurance is a pure means of payment if the customer dies," said Akbar.
Akbar admitted many facilities provided by the investors if they have a link unit. But the benefits can be obtained relatively small. Admittedly, the products in this advanced category can be very good for investment protection. But not necessarily compatible with each person.
Akbar advised people with incomes 2-3 million per month should choose other investment products. Investment products such as gold or precious metal deposits more appropriate. However, this option remains be returned to your needs, short, medium, long, and the risks.
We recommend that you select insurance products in more detail before discussing the advantages and disadvantages. Professional insurance agent should provide a space for discussion and not just "sell" products.
Source: kompas.com
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