How does one become an insurance broker within Virginia?
Question:
Answer:
Pay a fee, go beyond a test, find companies liable to let you provide their insurance.
Psychiatry policy privacy?
Question:
What are the rules regarding the privacy a shrink is allowed to tell a parent of a child? Are at hand rules against telling
Answer:
Yes nearby are - your psychiatrist can give you the state specific details.
These are govern by state regulations - you receive a copy of them when you enter into therapy. Some therapist choose to refuse to disclose information to parents, but that must be clearly stated inwardly the forms that you sign when you request treatment.
Other two answers are correct. In many states, a separate authorization that you sign is required to allow the insurance company access to any psychiatric chronicles as part of the underwrite process.
How should I pick a company to buy energy insurance from?
Question:
So many companies offering vivacity insurance... how should I determine which one is the best to ask for a policy?
Answer:
1) Check the companies in your nouns.
2) Find out their AM Best ratings.
3) Look up their name surrounded by Better Business Bureau to get details roughly speaking the company and how many complaints they receive and resolve. (I use this to find out if their customer service is biddable or not).
4) Call the company to have an agent come over to procure a quote. You should also ask bunch of questions to respectively of them such as what kind of duration policy do they own. Don't ask for recommendation since they want to supply you the most expensive life product in attendance is. Ask to see their life policy and ask them to explain the expressions in the energy policy. (You should write these terms down and look into them on the internet to find out what they mean and what they do).
I individually own a 30 year term through Primerica and also setup my Roth IRA here as well.
The specific company is not major. See an independent agent who can offer several option from several companies. Discuss what you want the coverage to do for you and how it can fit into an overall financial strategy.
The agent will probably only show you the stronger companies anyway, but I'd suggest no company near less than an AM Best A+ rating.
It depend what type of insurance you would close to to buy, If you want to buy Term life single, you can buy from any where, don't buy VUL insurance, will cost you more following on, If Whole life that you looking for, than you buy from mutual company, not from stock company, mutual company approaching Massmutual, New yoke life, north west mutual, this big three are polite enough to you, holp that abet you.
Comparison-shop at the below website
Dont do the comparison shop website, all kind of losers will be pestering you for the next two months.
Talk to 4 companies on an individual font.
Never talk to Primerica
If you hold any health problems be upfront surrounded by the beginning, it can gather you a lot of problems.
Also check JD Power or Consumer Reports for customer service and claims ratings as economically as the ambest financial strength standings.
I like the following companies for natural life:
New York Life
MetLife
Prudential
If you are nonstandard theres going to be some other options that you necessitate to look at
Don't. Sit down, and write up a list of what you want your vivacity insurance to accomplish. Bring the list to an independent agent, ask them to find you 4-5 quotes, from A RATED CARRIERS. Any company that's A rated, is financially solid.
Sit down next to the agent, and compare and contrast the COVERAGES, so you know the plusses and minuses of each policy. Then pick the one that meet the most needs on your index, which you already wrote out.
I suggest you do talk to Primerica. Check any viable rating service and Primerica is A+. Primerica is one of two companies that remunerated out life policies During 9/11. Also Primerica will tutor you on insurance, set up a FREE detailed financial plan and educate you on planning for retirement and on your mortgage. If you sit down 30 minutes beside a Primerica agent, you will see why Primerica is disliked by its competitors. All term insurance is not indistinguishable. Even if you don't go next to primerica, make sure you ask your agent (1) How does the policy settle out? (2) Is it garuanteed renewable? (Primerica is) (3) Will the policy payout if I die within two years? (4) and will I hold to convert the policy into a whole existence policy. As an agent, these are the main things that are not explained to my clients by their antediluvian agent. Which is why they switch to us. Remember, buy term and invest the difference!
The ones that don't screw populace over, which is majority of them. Choose the ones that are actually going to sit down next to you and help you rearrange your finances for free such as showing you how to get out of debt, how to hide away money for retirement, and explaining to you why you need income protection and explain the difference between brass value vs permanent status.
There are a number of ways surrounded by which to evaluate a company. First, you should consider the financial strength, performance, and integrity of a existence insurance company. You should only consider those that hold a rating of A, A+, or A++ by A. M. Best. Why? Because you want to make sure that the company will be around to pay cheque out the claim.
If you're realitively healthy, next you should be fine and it will be easy to find the lowest rate among companies. However, let's vote you have a short time health condition. Not adjectives carriers treat different condition conditions the same. So one may dispense you a more favorable rate over another. In a case approaching this, I'd recommend shopping around. There are several online quoting firms out there that can aid you find the best product for the money. I hope that helps.
adjectives due respect to rob, the specific company is ALL that matters. when it comes time to foot off the policy, the independent agent doesnt recompense you ... the insurance company pays you. frankly, i wouldnt even look at anything BELOW an A+ unless i had significant robustness problems.
i do agree with purchasing your insurance through a mutual company. roughly, the clients are the owners of the company and not stockholders. as the company flourishes, you reap the monetary benefits of it.
primerica has also be mentioned. i hate to criticize other companies, but primerica is the exception to my rule. they enjoy some of the poorest trained people within the industry. they dont understand much at adjectives about go insurance. the big problem here is since they dont understand it, they get the crappiest product which is ok since they cant explain it to you as a consumer. i agree, RUN away from primerica. (p.s. bernard is on drugs that only his beloved primerica and one other company remunerated out claims from 9/11. this is exactly the kinda bumper sticker sales slogans they use wreak they dont understand how to tutor people on their products. contained by fact probably evey single core insurance carrier rewarded claims from that day. to influence otherwise is preposterous.
note: this is the convenience of having a personal insurance agent and a stellar company. if you hold a company that is even A+ or especially below, they may try to waggle out of paying a policy if the situation gives them simply a bit of shake room. an A++ wont. i am not recommending NY Life (but they be recommended by others), but they paid policies on 9/12 short proof of death. adjectives that a person needed be to show the person assumed deceased was on duty that sunshine and was presently missing. they paid. later (i know this for a fact), they took their entire advertising budget (their most discretionary spending) and donated it adjectives to a NY relief fund for emergency responders).
NY Life is a great company. in that are other great companies out there (NW Mutual, Mass Mutual, Guardian, etc.). its in recent times that primerica aint one of em.
you have to compare
what is the designation of prepaid rent and prepaid insurance?
Question:
it kinda confusing me...
Answer:
You pay it up front, BEFORE you use it. So, prepaid rent, you payment 12 months (or however long) BEFORE you move in. Prepaid insurance, you remuneration the whole policy residence, in full, since it takes effect.
You repay before you move surrounded by.
Prepaid Expenses
Amounts that are paid prior to the time of year they cover. Such expenses often include insurance and rent. Prepaid expenses are not rates deductible until the appropriate period. Rent rewarded in finance is not tax deductible even by a bread basis taxpayer. See also Economic Performance Rule.
Prepaid expenses of any type are considered a liability to the party that receives it. They will enjoy to pay it stern if it is not used. If you earnings rent monthly and have rewarded 6 months down, your first month will be rent expense and the other 5 months are prepaid.
Meaning you pay it contained by advance, for the baggage of rent you haven't move in but you compensate it already. And prepaid insurance mean you clear the premium and the expense hasn't incurred yet (accounting term).
I assume you are asking this for an accounting course.
Cash is an asset.
If you filch cash and salary rent with it, past the rent is due, then prepaid rent is the asset that you hold created. The total of your assets is unchanged.
When the rent become due, you decrease the prepaid rent item within your accounting statements, and increase the income statement expense item called rent expense.
Is it perceptive to split the Term Insurance coverage I entail between different insurance companies?
Question:
Answer:
No because you will pay bunch of policy fees. One policy usually own fees of around $75 to $200. It is best to combine all your coverage surrounded by one policy. Why? Its because the more coverage you buy, the less it cost per thousand frontage amount. For example, if you buy below $100,000, it may cost $1.70/unit (one unit = $1000 obverse amount). From $100,000 to below $200,000, it may cost $1.60/unit and so on.
If you need $100,000 and you're considering $50,000 from 2 different companies you lose, because of policy fees.
Interesting examine: I used to sell residence insurance and the higher the coverage the lower the allowance as a % of the coverage. Term is the cheapest insurance coverage you can get so I cannot reflect on of any advantage unless you own been competent to find a savings within the premium by doing that.
I cannot think of an dominance unless you have found a financial control in premium clearing.
I wouldn't do it - the more places you put your money (including life insurance premium payouts), the more promising it is your heirs will miss one, and extremity up not collecting.
I don't believe so.
One reason to purchase the full occupancy insurance coverage from one insurer is because life insurance companies proffer coverage breakpoints.
What this means is that the cost per thousand of coverage may be cheaper buying $250,000 from one insurer instead of buying $125,000 of coverage from two separate companies.
When you find a vivacity insurer with low rates, request quotes at the subsequent higher aim of protection - say $250,000, if you own gotten a quote at $200,000. You may find that the cost per thousand of protection is lower at the higher demarcate. This is one of those tips many individuals may not be aware of.
I hope this helps you find aspect, affordable term insurance.
Best of luck to you.
incorporated vigour meticulousness?
Question:
Does anyone know if United Health Care insurance is under the Erisa exploit and/or law. Also if you own a website where i can find a catalogue of insurance companies that are under the said act/law please perceive free to share it. Thanks.
Answer:
You are confusing the issue a bit.
An ERISA health plan is not really an insurance plan.
ERISA (The Employee Retirement Income Security Act) allows companies next to more than 50 employees to 'self-insure' themselves for their employee's vigour care benefits.
So, within effect, they don't offer you an insurance policy from an insurance company. The company agrees to recompense for employee form care costs on their own and uses what is know as a Third-Party Administrator (TPA) to support administer the claims.
In this case, you are asking if UnitedHealth is a TPA.
Yes, United is one of the nation's biggest TPAs. Many TPAs are also insurance companies which confuses the issue fairly a bit.
One thing you should know is that ERISA plans hold a very wide open lattitude in how they design coverage.
Small employer that choose to over coverage are required their states to offer definite mandated coverages, but ERISA plans are free to not over anything they don't want (except two specific mandates - parenthood and breast reconstruction after mastectomy).
You can't a moment ago buy an ERISA plan on the market, because as I explained ERISA is not insurance, but to some extent the employer paying for health claims on its own near the help of a TPA.
The company is free to choose whichever TPA it desires.
If you think your employer's benefits are unpromising, it is NOT the fault of the TPA. The TPA is simply implement what your employer has established to offer.
This is why it is terrifically, very big to carefully read the booklet you find from your employer under an ERISA plan because contained by it will be spelled out what is and isn't covered.
http://www.freeerisa.com/
This is where I would turn first. Good Luck.
Where can I buy CHEAP homeowners insurance for my 3 homes contained by Florida?
Question:
Answer:
In Ohio. Seriously, there IS no cheap homeowners insurance surrounded by Florida - people are usually pretty darned lucky to find ANY AT ALL, outstide the state fund.
And near THREE homes there, at smallest two are probably rentals - rentals are relatively undesirable ANYWHERE.
So if you have ANY coverage contained by place right now, hang on to it. It's only going to achieve worse.
I live in Florida and nearby is no such thing as CHEAP homeowners insurance here at adjectives. After what happened next to those hurricanes (Rita, Wilma, etc.), insurance companies are pretty much afraid of homes here, the claims reversed 5 years of profits in one swipe.
The State have to step in to provide insurance unless a company stepped forward and be willing to proposition insurance. Well a few did but they are DAMN expensive and becaue the State's insurance is last resort, you pretty much HAVE to lift the private insurance or go in need - which of course lots of mortgage companies and bank would not like.
Good luck, I'm looking at Georgia immediately
sell 2, and acquire a good policy for the one. you stipulation flood damage, hurricane impairment, etc. we get greatly of that down here. why don't you ask an agent? if you really have 3 homes, afterwards putting them together on a policy might save you a touch money. you get what you payment for.
Try the below discount broker
Hey Tracy,
I agree with the top answerer creature. In costal states like Florida, Louisiana, Texas where on earth you have hurricanes and such. Its not so much as a put somebody through the mill of if one of your 3 houses will sustain damage as when.
If you want to skimp on home insurance, buy properties contained by Montana not in the state next to the highest incidence of disaster contained by the nation.
You should try the company you get auto insurance through...they will normally offer a discount for homeowner's. This site might also know how to help you. Good luck! http://insurance.divinfo.com/
workmans comp?
Question:
is there a chart to determan a disability award ?
Answer:
It is a point system that they use to determine your disability and your doctors dispatch the information to them. Good luck,
No. Workman's comp doesn't do "disability awards". They can do a disability settlement, which would "lump sum" payout future medical and lost wages, base on what the actual lost wages and projected medical costs would be. It's based on the age of the member of staff and current salary.
It's base on the % that a doctor says you are disabled. When I get workman's comp for a back injury, I be declared 7% disabled and recieved 21 weeks pay.
No you idiot.
Depends on the state. Some states do award a disability rating, base on physical ability, or treatment rendered, or earn capacity after reaching your soothing plateau/MMI/P&S. These can be limited by the type of injury you hold and findings of your claim.
Do you enjoy to clear insurance on an apartment?
Question:
i am going to be moving out soon and i want to know if i need to settle up for insurance for an apartment.
Answer:
No, but it wise to return with it. It will cost you about $10-$15 a month. You never know what your neighbors are doing. Say one of them accidentally catch the apartment building on fire and you loose everything. The insurance will reimburse you for your items and lend a hand you get backbone on your feet.
its call renters insurance and its cheap
You won't have to pay cheque insurance for the apartment itself, no.
Some apartments require that you get at smallest liability coverage (in case someone visit you were to be injured, or you knock something past its sell-by date your balcony and lay waste to something -- among a million other things.) In truth, it's difficult (and more expensive) to buy liability insurance alone.
Besides, you're much better off to run ahead and get coverage for your own belongings. And you'll want to capture replacement cost coverage on them (otherwise, you'll get a depreciated amount. You know when relations always complain that their coup¨¦ was a total and they owe more than it's worth? That's depreciation. And yes, it applies to pretty much every item you own.)
You may not own very much if you're lately getting ready to move out on your own, but you'd probably be shocked if you know what it would cost to replace just the contents of your bedroom closet, much smaller amount the electronics and computers you might have on mitt.
Typically, you can get this features of coverage for $100-200 a year (and you can even get a discount on your saloon insurance, too, if you use the same company for both.) You can also usually payment it by the month, if you prefer.
You won't pay insurance for the apartment itself, the owner will own to do that. However, you would be well advise to have renters insuranceYour insurance agent will let somebody know you what documentation you will need within case you own to file a claim. Good luck beside the move!
Many renters believe that if there is a fire or other disaster, that the apt owner will reimburse the renter for their loss. NOT!. Renters insurance not singular covers your personal belongings anywhere in the world, but pays makeshift living expense if you have to vacate your apt due to a covered loss. In Ca, its lower than $20 a month for $25000 in contents coverage. Go to a reputable company
Yes you inevitability to get renters insurance ot protect yourself (liability portion of the policy) and your personal property. Most claims beneath a renters policy are for when renter causes damages to the building. (candle fires, grill on the balcony, kitchen grease fire and cigarette fires are the most common)
If you caused damages to the building and didn't own renters insurance then you are stuck paying for adjectives your own personal property plus the buildings insurance company will come after you for reimbursement for the damages they paid for.
Renters insurance is amazingly cheap and well worth have. The downside of causing damages short have a renters policy can produce you to be sued and have a ruling against you. Then you might lose part of your remuneration to garnishment. It's ugly. Buy the renters policy and sleep better knowing that a mistake won't crinkle your future.
Depends on how much stuff you get. If its not much and you can replace it for less than $2000 afterwards dont worry in the region of it yet.
If you hold 15,000 or more worth of personal property, you should consder it though.
One of the customer service reps for an insurance agent friend of mine, her whole apartment complex burned down, even though she worked for an insurance agency and wrote those policies adjectives day she didnt enjoy one on herself and lost everything she owned, plus she was 8 months pregnant! I know it doesnt apply to you but you never know what could crop up.
Insurance is all just about rolling the dice and taking chances.
Most lease, but not all, require it. It usually costs in the order of $150 a year, so it's not a big deal.
Normally you don't hold to, but you might want to get some contents coverage to protect your stuff. It is not expensive, and better than losing everything you own if a fire breaks out within the building.
colonial lifeibsurancr for leroy hammond policy# 616235890?
Question:
I tookout life insurance for leroy Hammond and I cancelled hisdental but Idon't want to repeal his life insurance.
Answer:
economically that sounds like a plan
Well, they are two different policies, ya know? So you inevitability to call Colonial Life, and breed sure the life policy is current.
And perchance delete this question, so the complete world can't impersonate you and cancel the time policy, seeing as how you posted the policy number and insured name, and it's pretty straightforward to hack a yahoo account and find out who you are.
I obligation industry average cost of residence enthusiasm insurance for assorted ages.?
Question:
Answer:
Here is a calculator from State Farm that does not ask who you are. Most sites require a name and address. This is only just one company but it may be pretty standard.
http://www.statefarm.com/insurance/quote...
its not that easy, it depends more afterwards just age, if you email me your info, as contained by age how much you need any condition problems smoker.etcetc then you can bring back a answer
also check out
www.primerica.com
its where my insurance is and its the cheapest residence rates I ever found
do NOT fall for Whole natural life or universal life span, very expensive
why you want it for and who you work for?
try here http://www.dpbolvw.net/click-1748196-103...
Why isnt Progressive Insurance allowed to provide contained by Massachusettes? or do they choose not too?
Question:
Answer:
They choose not to because they could not charge rates they want. Rates in Massachusetts are regulated by the state.
Almost worked for Progressive.
The state law of Massachusetts are very anti-insurance companythere are alotof companies that don't do business contained by Massachusetts. Change the laws and they will come here.
I don't know
They have to be licensed within each state and conceivably the restrictions and cost override any profit they will make.
They choose not to!! There are a few reason behind this.
1. within Massachusetts, the state sets the rates, not the insurance company.
2. It's damn hard for an insurance company to verbs out of the auto market surrounded by MA, there is a HUGE charge you have to pay packet, like ten years of premiums.
3. Progressive have NO desire to be "assigned risk". In MA, if you do ANY auto business, you MUST take assigned risk - which is largely multiple DUI's, and public autos (read, Taxi cabs), and they can't attain the premium to make it worth while, as the personal auto rates are set by the state.
4. MA Insurance department won't allow their form, which automatically excludes ALL undisclosed household member from coverage on an auto policy. Progressive doesn't want to write insurance the MA way, as auto insurance surrounded by MA is pretty much a "loss leader".
Yep, you can have as MANY DUI's as you want, and the LARGEST your surcharge can be, is an optional 42% of the base premium. Which is why within are, what, 7 insurance companies writing personal auto in MA, and no competition.
some states enjoy some real funky rules and regulations
I remember that South Carolina have a rule that if a person specifically requested a sure insurance company that you had to write them beside that company whether they qualified for that rate or not
Me?
What does 90% co-insurance stingy?
Question:
Our HOA is in the process of switching from CHUBB CUSTOM
to Loyds of London for our Malibu stock-coop building fire insurance. (CHUBB would not cover the pilings if they burned.)
Our policy is for 2.5 mil for replacement. Our agent said the
90% would in actuality 2.7 in the event of a claim.
is that so?
should we ask for total relplacement next to an inflation clause?
We have never have a claimin 25 years .
Answer:
90% coinsurance means that you own to have the building insured for at least possible 90% of the cost to rebuild, at the time of loss, and if you DON'T, they just cover the percentage of the loss that you insured.
Send me an email if you want an example. The above answers are incorrect, they are indicating that you have a 10% deductible. NOT matching as coinsurance.
TYPICALLY, the policy will not pay out MORE than the policy impede, in bag of a total loss - the co-insurance is a PENALTY that can be applied, NOT a built in other coverage.
You ABSOLUTELY need to ask for GUARANTEED REPLACEMENT VALUE WITH AN INFLATION GUARD. You probably won't achieve it. "Guaranteed replacement value" is DIFFERENT from "replacement value". Replacement value finances they don't depreciate for age. Guaranteed replacement value finances, even if it costs more than the policy limit to fix the building, they'll fix the building. It's usually fixed to 10% over policy limit, or 25% over policy restriction, and darned hard to acquire on a commercial policy. It does NOT automatically include upgrades required by local building codes.
If it were me, I'd insure the building to 100% of replacement cost, next to the inflation guard endorsement. BE SURE to also ask for "ordinance or law" encouragement, also - as sometimes local ordinance will require an UPGRADE when you repair/rebuild, and if you don't have that authorization, YOU pay for the upgrade part of a set.
Then, the unit owners should ALSO own "loss assessment" on their individual unit policies.
It channel they will pay 90% of the good point of any loss; you would have to payment 10% of the loss. So if the loss was 2.75 million, you would reimburse $250,000 and they would pay 2.5 million.
How much more expensive is total replacement insurance? Could you afford to clear $250,000 plus the deductible if you had a catastrophic loss?
90% coinsurance technique that the policy pays 90% of the loss after any deductible and you pay the other 10%. In other words, if you sustained a 1 Million loss on the property, and your policy have a 100K deductible, your insurance would pay 810K (1,000,000 -100,000 X .90). In the event of a total loss, the company's liability is controlled to the face amount of the policy (2.5 Million) smaller quantity deductible and coinsurance. There may be an inflation clause in the policy provides for an automatic adjustment contained by the policy face amount at specified intervals (typically annually). Of course, premiums are accustomed upwards as the face amount of the insurance increases.
it method that you promised the insurance company you would carry 90% of the pro of the structure. If you don't, then you procure hit with penalty (you become an implied co-insurer for whatever percentage you did not insure for.
ex: Did divided by should times loss. your situation:
2,500,000 /2,700.000(value) x loss amount =92.59%. You are fine since you individual promised to carry 90%,
Guaranteed replacement cost is a accurate thing, but if you don't take enough insurance, it may not be guaranteed. Guaranteed replacement cost next to inflation clause is better, but sometimes you have to readjust he pro more often due to housing trends.
Let your agent know your concerns, he's a professional and he wishes to do what is best for you
Coinsurance is the way to reward the insured that insures to worth and to penalize the one that does not. A rate credit applies if the insured agrees to insure to 80%, 90% or 100% of value. If an insured decide not to insure to the amount required by that percentage, the rate is surcharged. In addition, the property may not be eligible for some preferred insurance coverages otherwise available. Insuring to utility is a great idea but what happen if the insured promises to do so and later reneges on that promise? The coinsurance cost is the “stick†in the “carrot and stick†approach to inspire insurance to value. The insured that does not insure for the promised restraint of insurance becomes a co-insurer when a loss occur. This is a party that participate with the insurance company surrounded by paying part of the loss.
Malibu Stock-Coop Building incurs a coinsurance cost in this overnight case, calculated as follows:
$120,000 value at the time of loss multiplied by 80% coinsurance (a factor of .80) equals $96,000.
$80,000 boundaries at the time of loss divided by 96,000, the limit required, equals a coinsurance cost factor of .833.
$50,000 amount of loss multiplied by the .833 penalty factor equals $41,650.
$41,650 minus the $1,000 deductible equals $40,650.
The insurance company pays $40,650. The remaining $9,350 is the responsibility of Malibu Stock-Coop Building.
where on earth do i shift to renew my nextstudent loan?
Question:
Answer:
try were you get the loan from lol
I'd suggest the personal finance board or the credit board.
to the lender
How do I carry a available job surrounded by insurance investigations?
Question:
I have a college level and over 5 years law enforcement experience. Im looking to correction careers but verbs doing investigations. Does anyone know how to find these jobs?
Answer:
The previous answerers own given you good lead, but I do want to add more option.
Have you ever considered pursuing a career beside your state's insurance commissioner's office? There are several types of investigations done by these commissions, such as insurance fraud investigator, complaint investigator, marketplace conduct investigator, etc.
The pay is not great. However, once you've gotten several years' experience underneath your belt, a private insurer will pay A LOT to hire you. I've see some of my investigators leave for $65k-$75k job after only two or three years.
To explore for these jobs, budge to your state insurance commissioner's web site. Sometimes, though, these job will be listed on the state net site, instead of the agency site, so look in both places.
Have you tried monster job.com?
Do you know any attys? See if they know any adjusters you could talk too.
I go to work for an atty. with a soul, and I love it.
Send your resume to the big ins. companies
If you own an insurance agent set down and talk to him
Have you thought nearly going to work for D.A.?
And you may also try private exclusive security
go and get a license to be a private investigator in your home state and other states will probably reciprocate. Learn the insurance claims process. Market yourself to insurance companies and independent adjusters as a claims investigator, win a web site, some business cards and obtain out and do it. Here is the link for California, if you are not surrounded by Cali... too bad and query for something similar in your state. You can do it!
Look on greatinsurancejobs.com
A available job in an insurance company SIU element can be rewarding and can pay more next law enforcement after awhile. It can be firm to get to an insurance company, but most of them love hiring ex-cops and ex-FBI associates.
Be prepared for tons of office politics, overnight travel, crooked insureds, claimants, agents lawyer etc.
Also, be warned that insurance companies similar to to "downsize" so the job stability may not be in attendance long term. Choose wisely and good luck.
I fell into my jon as an adjuster.. I started as a grunt surrounded by the claims department.. Then asked to go on a rife along on an arson valise.. Fell in love woith within.. I 've worked the Oakland Fires, Oklahoma City Bombing, Northridge Riots, Oklanhoma Tornados, Northridge EQ, SF EQ, that was unpromising.. I'm a giants admirer... and Katrina... what a mess.
also.. check with the Fire department Fire investigator.. I worked incredibly closely with them within Suspected arson investigations. They maybe competent to get you surrounded by a few doors.. especially with your statute enforcement background.