communication training for insurance agents?
Answers:
Toastmasters - http://www.toastmasters.org/
I heard more or less them for years, and often would relations reccommend them to me. I had lots of excuses:
"I'm an instructor! I verbalize in front of family all time!"
"I am too tired when I get rotten work to add something else"
"I took Speech class within school"
When I finally got around to going I be amazed - it worked! A few tips -
* Try different clubs as a visitor until you find one that fits. Each club is run by the member - which means that respectively club is a little different.
* Once you associate, make a committment to stay at most minuscule long enough to finish the first book. It will give a hand you work through the rough spots. Because Toasmasters is ongoing, there is no "end" approaching there would be next to a class.
* Toastmasters really helps you work through your specific issues anything they are. The variety surrounded by my club is not unusual: IT guys, non-native speakers, trainer/instructors, retired, unemployed, FT employed, student...etc. Everyone starts from thier own place.
Good luck!
How do annuity companies carry away near fearfully glorious surrender charges ?
Agents tell prospects that they can protect assets if they require nursing home thoroughness for extended periods. They also take off the surrender charges when the annuitant dies.Answers:
Being a financial planner for 9 years now, I hold handled alot of annuities for clients. While the surrender charges can be substantial surrounded by the early years, I hold never encountered an annuity that have a nursing home clause that did not waive the surrender charge in that event. Also, I hold never heard of a contract that would assess a surrender charge on annihilation benefits.
Also, as competition has increased over the years, annuities enjoy become more client friendly with shorter surrender period and better guarantees.
Other Answers:
Because the market will take on them.
Not all try to. If you must buy an annuity move about to Vanguard.com and see how inexpensive they can be. Not a product for all individuals, but no need to win ripped off if you want one.
And don't buy one contained by a tax sheltered information... scammers are always screw people that track.
You may want to check about the surrender charges when the annuitant dies. I don't regard as that is correct.
How do you bring back backing near funeral arraingements for your mother who died and thought she have insurance.?
My Mom thought she had insurance and it be not mature. She be very sick for months and since I am an solitary child I was the primary vigilance giver. I know she died next to the peace that I would not be burdened with the bill, but I am. I don't generate alot of money and I am worred to death give or take a few paying this bill. If anyone know what I can do, please help. God bless you.Answers:
In PS to the suggestions above, I suggest you discuss your situation with your or your mother's church direction. They will probably be able to comfort.
With love in Christ.
Other Answers:
My sympathies are next to you.
You're going to have to cut costs as much as possible.
I would ask for sustain from her siblings, cousins, nieces and nephews, and if you belong to a church ask the pastor.
If you cannot afford a funeral, here's what you might do. Have the body cremated (About $350 in Massachusetts; ask for quote) and placed contained by a cheaper urn. Have a memorial service at your church (about $100 donation at a Catholic Church), and either spurt the ashes in your mom's favorite place, or recover up the money and bury your mother in a plot once you can afford it. My mother is good to bury my grandfather this way. Hope this help. My sympathies are with you.
see her legal representative.
Contact the insurance commissoner's office surrounded by the state where your mother resided when she purchased the insurance. You can folder a written complaint and ask that it investigate the legality of the insurer's claim denial. Here's a knit to all the insurance commissioner's office throughout the U.S.: http://www.naic.org/state_web_map.htm
What online site list the companies that are on the many indices? e.g. mid panama 400, s&p 500 etc?
Answers:
Yahoo finance. Click on the index, afterwards on the left side click on components. I give you an example of the S&P 500.
which home insurance companies proffer a full replacement policy instead of the usual actual lolly worth policy?
this is for home insurance in New YorkAnswers:
Most companies submission an endorsement for extended replacment cost which will cover for replacment up to a definite percentage above the stated amount for the dwelling. Erie offers a "Guaranteed" replacement cost. The knob to any of these policies is to make sure your stated amount on the policy is a close estimate to current replacement cost (it change with inflation, labor and materials cost). Most policies include a co-insurance clause which states they will single pay full replacement if the policy holder have insured their home within a unshakable percentage (80 or 90%) of the actual replacement cost. Remember too that replacement cost does not include the value of your home. If something happens to your home, the territory will still be there.
Other Answers:
It appears that the press period have expired. If you have received an answer that meet your needs, please choose one of those as a 'best answer.' If you haven't received a dutiful answer for your question, you may want to consider the following,
1) Re-post your cross-question. Newer questions draw from more activity on RunEye.com than outdated ones.
2) If you do re-post your question, consider why it wasn't answered the first time. Could it be more specific? Could it be worded better? Were nearby grammatical or spelling errors? Was it in the best category?
If it doesn't appear likely that re-posting your examine will help you, next here's a listing of my favorite 'answer sites'. Maybe one of them will lend a hand you.
Answers.com http://www.answers.com/
Bartleby http://www.bartleby.com/
Yahoo Reference http://education.yahoo.com/reference/
HowStuffWorks http://www.howstuffworks.com/
Wikipedia http://en.wikipedia.org/wiki/Main_Page
Since I really haven't answered your question, it is surplus to requirements to give me any points. Regards.
Can debacle adjusters where on earth shorts when they are contained by the paddock?
If I work as a cat adjuster for an insurance company doing estimates on hail tattered vehicles...can I wear nice cacky shorts and a polo shirt to workAnswers:
Just close to any other industry, it would depend on company policy. Every company would have their own dress code.
Other Answers:
No, but grass skirts and coconuts are OK.
But seriously...if your boss is a drunk and a lowlife, as mine be at State Farm, and wears shorts and a wifebeater reservoir all the time, next I would think it's OK--but don't forget your mullet.
Where can I find Ohio Law concerning who can insure a house.?
I need to see within black and white the supposed law that say that in Ohio, your given name must be on the deed within order to get hold of homeowner's insurance.Answers:
I am an insurance agent...I have not see a state that doesnt follow that same rule of only man able to insure the person/persons name on the actual deed. We write within about 7 states! I would be fundamentally surprised to see it different in Ohio! Try asking for a copy of any insurance companies "policy declarations" , you can also phone your Ohio -Department of Insurance and they will send you a copy of the portion of the directive that covers this.
Trying to digit out the discounted present importance of 627,000 near a discount rate of 7% and 132paymentsof4,750
Answers:
Ok...I have be out of school for awhile but here it go.
NPV of 627K with monthly installments of 4750, thus calculated on monthly reason would be $65,700.94 (annual- $67,774.23).
Formula -
Sum of:
PMT1/(((1+(i/12))^(Pd*12)) + PMT2/(((1+(i/12))^(Pd*12))+ PMT3/(((1+(i/12))^(Pd*12)) + ...PMT132/(((1+(i/12))^(Pd*12)...
Read -
The summation of each wage divided by 1 over the discount rate divided by 12, to the power of the # of period you are surrounded by times 12.
or on annual basis,
Sum of:
PMT1/((1+i)^(Pd)) + PMT2/((1+i)^(Pd)) + PMT3/((1+i)^(Pd)) + ...PMT11/((1+i)^(Pd))
PMT = 4750
Pd = 1-132 (monthly)
Pd = 1-11 (annually)
i = Discount Rate of .07
Can an employer exclude lasting workforce from it's Group Health Insurance policy?
Answers:
Genrally part time team and contract (1099 paid) employees are excluded from eligibility. the employer can also establish a probationary or waiting time for new human resources. This is the length of time the hand would have to work full time until that time they would become eligible for the health insurance. Typically this time of year is 90 days, but it can be longer or shorter.
Other Answers:
I am pretty sure that if the employer offers group insurance to speak ALL full-time employees , afterwards ANY full time employee have to be able to attain the insurance offered. But if you are a part-time hand then you dont qualify. Hope this help!
explain insurable and non insurable risks?
Answers:
There are two types of insurable risks. The first are standard coverages such as homeowners insurance. The second are specialty insurances, called excess lines, that are things similar to a movie stars legs. It is very difficult to insure things close to that.
Non-insurable risks fall into a couple of category. The first and simplest are things which are not really risks. Risks are exposures to uncertainties. Some things are certain. That is why a robustness insurer will not cover a pre-existing condition. It is certain that you will hold claims related to the illness, and so it is not a risk.
The second non-insurable risk is a risk whose magnitude exceeds the size of insurers to bear the risk, an example of this is nuclear time of war. Most policies exclude coverage for nuclear attacks.
The third non-insurable risk is a risk that cannot be calculated, generally the example size is too small to estimate. Certain individual risks are so rare that it is impracticable to get a perfect estimate of the real incidence and hence a premium cannot be calculated.
Finally, there are risks that hold no data whatsoever. A apt and fraudulent example comes from a televangelist. He partnered with an insurance company to go "Rapture Insurance." Basically, you paid a premium and if Jesus did not nick you up to Heaven at the Second Coming, they paid you a million dollars. The insurance commission shut it down on the grounds that since it be impossible to estimate the date, it was impossible to divide a correct reserve for loss. Therefore, the contracts were against public policy. I must speak that was a unbelievably creative way out for the regulators too. The political firestorm the televangelists could own created if they had be attacked directly was completely avoided.
Other Answers:
I thought of starting "Catastrophic Meteor Insurance Co." The policies wages in the event of a Catastrophic Meteor crashing into the loam and wiping out adjectives life. This would be a great money inventor - very dignified margin business.
Source(s):
My imagination
is AIG insurance a division of any consumer reporting angency?
Answers:
AIG insurance is a multi-natitional corporation that is solely concerned with profit.
I envisage they would sell their information almost our credit if they felt they could take away with it
Who have the best coup insurance rates surrounded by NYC?
Answers:
It varies greatly by credit mark, driving history, zip code, type of coup and many other factor. I would avoid the false ads from Progressive. Talk to a local agent - http://www.insuremyvehicle.com
Many times local agents net with other carrier. So if they are high, they can suggest someone else to try.
Other Answers:
I'd be jubilant to quote personal auto insurance for you in NYC. We're independent agents and brokers who write near many different companies. Check our trellis site for contact info.
Van...
Source(s):
www.lincolnbrokerage.com
718-836-1100 ext. 113
I a short time ago found i have Metlife demutualization stock, can i hold the stock, i never received a conversion pack.?
Answers:
Yes. When MetLife became a stock company they issued stock to most of the policyholders. The minimum shares they give out was 10. You may do doesn`t matter what you want with it. If you never verified your information next to MetLife you may have to be in motion through the state to get it put pay for in your heading. Otherwise contact Mellon Investor Services. Call a local MetLife branch and ask them to look up your account.
Other Answers:
A "Mutual" insurance company is owned by its policyholders. When the company go through the process of "demutualization" those policyholders are given shares of the new stock to represent their ownership within the "new" company. From that point on, ownership of the stock is completely separate and independent from ownership of the insurance policy. You can keep or provide the shares as you see fit.
By the wat, Metlife is up 2.13% so far today (1:31pm eastern)
What would crop up if you applied for time insurance and made a false statement on the application?
For instance, if you said you didn't have a pre-existing medical condition when in reality you did. I currently have a Life Insurance policy that have been contained by effect for about 30yrs. But I wasn't truthful when I applied. What is possible to happen upon my loss?Answers:
Nothing will happen. The insurer have two years to cancel the contract for your fraud and the statute of limitations for criminal fraud have almost certainly run out contained by your state.
Read your contract. They will pay it lacking issue.
Other Answers:
Well if you die for this reason consequently the person you hold on your life insurance will not attain the money. Even if you don't die from this medical condition and they find out you lied--same thing. Best bag scenerio, they will not find out.
You could probably go to detain or have a fine for purposely lying on your application.
No involve to worry. The insurance company have 2 years to find out that you lie and call off you policy. After 2 years you are in the clear.
Is at hand a forecasting formula used to subtract budgets for workers comp claims?
I work for a public sector/government organization and I'm attempting to forecast budget dollars needed to cover potential job loss & workers comp claims.Answers:
How to analyze the Frequency & Severity of your losses.
I would start by “Qualifying” the categories of losses, and after “Quantifying” them, using the “Frequency” and “Severity” data.
To analyze the frequency and severity of projected losses, you would give somebody a lift the anticipated or actual incurred frequency & severity, and then assign a calculable numerical value to the loss exposure. When you do this, it should abet you to prioritize certain exposures within relationship to others.
Frequency/Severity Qualitative Rating System
Here is a sample of “Quantifying” the CATEGORY of losses
Value
1Catastrophic Loss - Usually involves departure and or loss of property. A single claim of this magnitude could seriously affect your financial status. May also include unpromising faith claims that develop.
Assign Value #1
2 Critical Loss - Usually would involve serious injury and or property twist, or serious illness.
Assign Value #2
3Serious Loss - Would involve moderate - to - serious injury and / or moderate mar to property. Losses of this nature may moderately affect your financial status.
Assign Value #3
4 marginal Loss - These losses would lead to minor injury and / or property damage. A single claim of this category would not predictable dramatically affect your financial status. Assign Value #4
5 Negligible Losses - These losses usually do not involve loss time, and usually involve no injury or property damage.
Assign Value #5
THEN this is the “Quantifying” the FREQUENCY portion of your losses
VALUE
1Frequent Losses - These losses tend to surface often or routinely - example a bakery would tend to hold more frequent “burn injury” claims. Value #1
2Probable Losses - These type of claims would be anticipated at least once per year. Example a construction company might tend to hold a fall from a stepladder or scaffold nearly once per year. Value #2
3Occasional Losses - These types of claims could happen somewhere once or twice during a 25 year time. Value #3
4Remote Losses - This type of claim is highly UNLIKELY to develop during the course of the time your company does business. Example - A construction company where an member of staff files a claim for AIDS, AND the claim is deemed compensable. Value #4
I would consequently take claim cost dollars and assign them to the a mixture of categories.
Here are the steps to Analyze the “Frequency” & “Severity” of your losses:
1. Assign a category for the frequency of pervasiveness of a projected claim loss. Example, if Low Back injuries normally occur, then your would assign category "1 - Frequent". Using a different probability factor - is if at smallest one claim that involves a Lower Back Fusion surgery is filed annually, consequently the your would likely assign category "2 - Probable."
2. Then you would repeat the process for the “Severity” portion of your projection.
3. Also REMEMBER that - various claims incur expenses, such as investigations, legal fees, medical nouns and witness fees for the defense of your claims.
If your agency tends to enjoy many high-cost litigated claims, afterwards this needs to be considered contained by your projection.
Here is a website that may help you complete your numbers:
http://www.sorm.state.tx.us/RMTSA_Guidelines/Volume_One/124.php
The above mentioned method is one means of access to attempt the Financial side of Risk Management projection.
Here is a WeBlog that contains the above info http://www.50StateWorkCompReview.Wordpress.com
Here is a website dedicated to information relating to workers compensation claim wallet reviews and investigative issues http://www.50StatesWorkCompReview.com
There are also Risk Management agencies that may be able to minister to. Good luck.
Other Answers:
Yes, at every major agency I've worked for, we've other had someone who could accurately predict what the expected WC losses would be, base on the current exposures and prior history.
We used that information to help clients wish if they wanted to self insure for WC, beside stop-loss coverage, or fully insure the losses, based on the premiums and expected losses.
I don't know how to do it, though.