Can anyone please assistance me any create or find insurance phone appointment script!! Please!?
Question:
Answer:
There are a number of insurance companies that provide script when you become licensed with them. I instinctively go see citizens that I know then referral from them. The script would silver as per what insurance is being offered. As a Life Insurance Agent, you might suggest that I be told that you and your husband presently have three children and no income protection. I am near ABC Inc. and we have be protecting young family with such requests for the last 100 years. I will be available on Tuesday evening or would Thursday be better? Positive RESPONSE... Then set a time. If the answer is that they will not be home afterwards reset for the following week (change the 2 day options). I will be available subsequent week on Monday from 2 to 3 pm, or would Wednesday evening be better? Make sure that you decide what days are available. This will agree to them know that you are busy. ALWAYS mark your calendar so that you own a record of your appointments. This is a business and it can be amazingly profitable! Treat it as a business. I hope that you are successful in this!! Have a great holiday.
Eds
Amanda V I saw you on the word today...!!
☆ http://www.osoq.com/funstuff/extra/extra...
Looking for a remortgage low fixed rate over 22 yrs?
Question:
Answer:
So why are you asking here? Go to This is Money.com and see whats available.
There is really no 22 Years fixed mortgage, but you can either attain a 20 Year fixed rate or get 30 and ask your loan officer to work out how much to pay monthly so you pay cheque it off within 22 years. There is really no difference. You will pay exactly alike amount in interest as if it really be a 22 year fixed loan.
Try RegionalMortgages.com
I've heard of a 20, 25 and 30 year mortgage.
If you're within the US: http://www.jdoqocy.com/click-2184795-102...
If you're in the UK: http://www.anrdoezrs.net/click-2184795-1...
Why would you do that to yourself over 8 lousy years/?
do a 30 yr fixed.. if you can afford to put more on principal some months after do it.. thats gong to work out better than screwing around beside a 22 yr mtg.
Your principal gets remunerated down faster, you can pay what you want to above the settlement that you know you can handle... win - win
don't mess near a system that works.
Web site for senior medical insurance plans.I know nil, and own to find out best suited for my mother.?
Question:
Answer:
If you want a supplement plan on top of medicare consequently I recommend AARP. If you want to join contained by for the medication plan you have till Dec 31 2006 to do it, I can recommend HUMANA. They hold been greatly good next to my needs.
This isn't insurance but a condition car stash plan--there is also a senior plan available. Let me know if your intrested--i put my email at the bottom
Premier Health Care Savings Plan is a program to help cut the high costs of strength care. Membership Benefits for Individuals & the Entire Family Up to $2,000.00 Accident Coverage next to only a $100 Deductible. You can run to any hospital emergency room or doctor 24 hours a day, 7 days a week next to no limit to the number of accident.
Up to $5,000.00 Accidental Death and Dismemberment Benefit Save an average of 30-40% On Your Health Care Costs with: Doctors o Hospitals o Dentists o Eye Care o Prescription Drugs o Over-The Counter o Durable Medical Equipment o Diabetic Supplies o Hearing Aids o Chiropractors o Physical Therapy o Nursing Homes o Over 300,000 providers and over 3.5 million member o No Health Restrictions o Pre-Existing Conditions Qualify o No Waiting Period o No Age or Job Restrictions o No Medical Questions o No Claim Forms o No Exclusions o No Limit to the number of times your family can use the plan
I would be beaming to answer any questions if you enjoy any laceyyork@hotmail.com
free advice
Small Business Insurance Question Michigan?
Question:
I own and operate a small painting business specifically expanding. I do mostly residential, but some commercial and light industrial work. I want about 1 million dollars contained by insurance. Where is the best place to buy insurance in my nouns?
Answer:
You need to run to a local, independent agent. They'll be able to shop this out. The standard companies are probably not going to cart you, if you have no prior insurance history. The direct writers (State Farm, Allstate, Nationwide, etc.) also will not bring you without three years prior insurance.
It's crucial if you do interior solely, or any exterior. It makes a big difference surrounded by pricing. There is practically NO difference in pricing between $1,000,000 and $100,000 - you're going to be at minimum premium any way.
Minimum premium for an interior individual guy, with no prior insurance coverage, if you simply have 1 or 2 guys sculpture, is going to run you about $1,000 to $1500. If you do ANY exterior, it's going to be nearly $2500 to $3,000. This will be audited after the year is up, and the premium adjusted according to your actual receipts.
Visitors form insurance beside pre existing condition while visit inherited contained by USA?
Question:
How do I buy health insurance for my parent visit me from Asia when they have pre existing condition approaching diabetes and blood pressure? I want to bring them here for a three month visit.
Answer:
The Premier Health Care Savings program is a non-insurance approach to reducing healthcare costs to you and your kith and kin. The Premier Program provides health thinking savings from doctors, hospitals, opticians, dentists, chiropractors countrywide as well as significant reserves on prescription drugs, diabetes supplies, hearing aids, durable medical stock, and over-the-counter products
The Premier Health Care Savings Program provides you and your family member with adjectives of the following benefits:
Physician Network: Whether in the doctor's organization, in the hospital, for fluke or sickness, the Galaxy Health Network negotiates a allowance for you which is an average 30% to 40% below the usual and customary fees.
Hospital Facility Network: This benefit provides a way to find participating hospitals within your area.
Accident Coverage: $2,000 Accident Coverage beside only $100 deductible - on or past its sell-by date the job, at academy or at play.
Accidental Death and Dismemberment Benefit: $5,000 Accidental Death and Dismemberment coverage.
Dental Benefit: Save 20-50% on everything from general dentistry and cleaning to root canal, crowns and orthodontia, 20% savings for specialists at over 29,000 dental practice locations countrywide.
Prescription Savings Program: Provides substantial savings on your prescription medication.
Prescription Mail Order Program: Provides members the choice of obtaining their prescriptions through our Mail Order Savings Program. Members can decree a 30, 60, or 90-day supply at savings up to 40% rotten regular retail pricing and have them deliver directly to their home.
Over the Counter Savings Program: This benefit allows members to not just save on over-the-counter items, but member can also order online and own their items delivered directly to their front door.
Diabetes Savings Program: Our Diabetes Savings Program is your one-stop shop for information, training, cost savings, convenience and support for managing your diabetes.
Durable Medical Equipment Program: Members can experience stash of 20-40% off retail pricing as capably as the convenience of home delivery for their Medical Equipment.
Hearing Savings Program: Savings up to 60% on audible range aid batteries, repairs, and audible range care frills.
Optical Savings Program: Save up to 65% on your entire eye care requests. Our program offers you and your clan immediate stash on all your eye carefulness needs.
If you wouldl resembling more info email me laceyyork@hotmail.com
I think the best for you would be calling some independent insurance agent.
Find fell insurance for relatives next to pre excisting conditions within AZ?
Question:
Like High blood pressure, Diabetes
Answer:
If you can afford $750 mo for a full coverage large group plan, email me. You must own a business card of your own.
Renter's Insurance Questions- How long back acceptance settlement? And how much depreciation to expect?
Question:
We have renter's insurance through State Farm. Our house be broken into this past Sunday (it is immediately Wednesday). I filed our itemized catalogue with the claims department on Monday. It be not a large claim (under $2500). How long does it typically lug to get the settlement check? I would close to to have some of the items that be taken, replaced before Christmas (digital camera and such). Also, how much depreciation will nearby likely be?
Thanks surrounded by advance...
Answer:
You should own a check within a week to ten days, if you adopt the adjuster's valuations.
Regarding depreciation, things depreciate at different rates. A box fully depreciates in around 7 years - so if it's 3 1/2 years older, you'll get partially value. Clothes depreciate contained by 3 years, jewelry never depreciates. A digital camera should fully depreciate in 3-4 years.
Depending on what insurance you own, I think they will to some extent use today's prices than those you paid for couple years ago. And we know for ex todays eletronics costs smaller number than 5 years ago. it is really hard to influence, but I think it will pinch long time to get your check.
Don't expect the check to come by Christmas, though considering the size of the claim they may run it through the system quicker.
If you hold Replacement Cost Coverage than you shouldn't have depreciation on the cost of the claim, though they will bring some time to verify what was lost and the cost to replace. Also I'd assume you enjoy a deductible, they'll take that bad the final amount of the loss.
Hope it goes smoothly for you and righteous job on buying renter's insurance, smart purchase.
For sure you will not catch the check very soon. Try to speak to your insurance company and find an update on your skin.Their a lot of claims and they inevitability time.The depreciation is just depending on how long be it when you bought the items and what kind of item be. Just make sure you cooperate to your insurance company and let them know that your still waiting. State Farm is pretty dutiful so hopefully you will have no trouble at adjectives. (How long has it be since they broke in?)
What is the best track to supply existence insurance contained by North Carolina?
Question:
Answer:
Send a letter to everyone you know, own flesh and blood and friends. In the letter explain what you do and how key it is. Include 5 business cards in respectively letter. Ask them to introduce you to others. Also bring back your services listed online. More relations look up local services through the internet now than the phonebook.
One door at a time!
Offer a free pack of cigarette's near every policy sold.
They will get to collect sooner that means of access.
If you aren't licensed get licensed first. The best place to filch the course is at the Big I, www.iianc.com.
Form a strategic alliance with a p&c producer and share lead with respectively other.
Read Frank Rumbauskas' book 'Never Cold Call Again.' He has some great self marketing planning that will get you away from cold calling. Frank is cut owner of a financial services agency in Arizona and have a insurance email newsletter.
Some girl hit my vehicle i cooperate to her insurance & stuff presently her insurance come's run pic of my vehicle & she also
Question:
accept's that the accident be her fault. oh ya d same afternoon i took my car to a Repair shop & i get an estimate also for $1045.66. I also told her insurance that i have and estimate what is the subsequent thing her insurance is going to do R they going to settle up me or r they going to ask me to take my saloon to some other place & get it repaired...
Answer:
I'm guessing nobody be hurt, otherwise you would have mentioned it. Please grasp that there are plenty of claims out within, understandably those that involve injuries, extermination, mulitple vehicles come first.
As previously stated, some companies may require more than one estimate. Some companies will agree to you have purely one estimate if it is with one of their approved body shops. Please details that most states make it bent for a company to force you to go to an approved body shop, however going to an approved one without doubt makes the paperwork dance by faster.
The claim can be settled in two ways as far as your saloon repair is concerned. The other driver's insurance company can pay you the full amount of the estimate and you can do anything you want to do (as in it's up to do if you want to repair your vehicle or not). This way, regrettably is the longest waiting period as far as getting your money.
If you want your motor repaired asap, and you have collision coverage, you can salary your collision deductible (usually $100, $250, $500, or $1000) and the body shop will bill YOUR insurance company the remainer, then YOUR insurance company will bill HER company the full cost. Then YOUR insurance company will reimburse you for your deductible. Kind of confusing, but that's how it works. Make sure you bring an okay from either your or her company past making any repairs though.
As far as them taking pictures. They don't other require it, and they certainly won't if you budge to an approved shop, but it's a way to argument against fraud.
most insurance companies will request at least two estimates be provided to them so that they can hold you go to the one who quotes the smallest but you do not have to dance to someone of their choice.
An insurance company may write their own estimate. If the price is different they will have you filch it to the body shop of your choice and the insurance company and the body shop will agree on a price. Or it might be as simple as you will get a check in the next couple of weeks within the mail. It adjectives depends on the type of claim and the amount of damage.
Gee whiz, adjectives companies are different. Ask them.
the first thing you do is give the name her company to make a claim.They will diary your statement and then they will call upon her to verify who was at criticize.Also if they do not want to pay telephone call your insurance agent and tell him and make clear to him if you have underinsured motorist for property despoil. The company will not act unless they hold money in their hand. This is only if their company is giving you the run around. Put your deductible first and enjoy your insurance company go after that company.
Their adjuster will look at the photos, and as long as she's an insured driver, and nearby isn't any contestation of fault (if the INSURANCE company doesn't contemplate you're at fault), if they agree with the repair estimate, they'll write you a check.
What is the estimated amount of associates who are Medicaid eligible? Is in that any reasearch out in attendance?
Question:
I am work for several hospitals in Florida and I am trying to determine how oodles people may be eligible for Medicaid, but only just don't apply.
Answer:
Medicaid provides care to over 53 million low-income Americans, three-fourths of whom are children and adults and 25 percent of whom are elderly and disabled. However, over 69 percent of adjectives Medicaid spending is allocated to the elderly and disabled.
Total federal and state Medicaid expenditures will reach $349 billion contained by 2007, of which 57 percent ($199 billion) is federal and 43 percent ($150 billion) is state.
Medicaid accounts for 22 percent of all state spending—the largest expenditure within state budgets, exceeding education and other crucial state services.
Medicaid has grown from 0.3 percent of GDP within 1970 to 1.5 percent in 2004 and, combined beside Medicare, could reach as high-ranking as 12.6 percent by 2050.
Taken directly from The Heritage Foundation website. The Heritage Foundation is a research and educational institute - a come up with tank - whose mission is to formulate and promote conservative public policies base on the principles of free enterprise, limited political affairs, individual freedom, traditional American values, and a strong national defense.
The link to Health and Human services that discloses adjectives of government's facts/figures does not currently take you anywhere.
Does self insurance for ample companies works.?
Question:
Advantages vs disadvantages for self insurance
Answer:
Oh absolutely it works. It's resembling being contained by charge of your own lottery system. You stack the odds contained by your favor rather than the insurance companies stacking it within theirs. The thing is, you merely need to enjoy enough money to be capable of make simultaneous claims at any one time, or you jump out of business. Some states will tell you how much you involve to have surrounded by the bank within order to self insure. I believe surrounded by some states it is one million dollars on liquid funds available.
yes. It works. It save them money over buying a policy.
For some companies being self insured is cause to protmote better health and sanctuary, fire prevention etc.
It usually saves the company money. I know a company that did this and they cheated the body and familes of the employees in connection with payments. They could have be sued, but the legal fees would far out passageway the medical cost. Of course, they knew that.
My company does it and it seem to work.
The disadvantage is not knowing what your medical expense will be each month. It can really change.
Why can't you give an added insured to a hired & non-owned auto policy?
Question:
I know that it's not commonly done, but I'm having a tough time explaining to a GC why it's not something carriers will do.
Answer:
OK, LARGE contractors can bring back this done, with other wording that the endorsement is constrained to the operations of the insured (that would be YOU). So you might know how to talk a holder into it, with that spare, limiting, wording.
In order to appreciate why carriers don't want to do this, let's look and what respectively section does:
Hired auto: this extends YOUR liability to vehicle you rent. Depending on the symbol, it might be limited to private passenger autos one and only, or it might be all inclusive. If you add on the gc as an additional insured, lacking the limitation above, you're ALSO covering any autos HE rents. Technically, that COULD include substantial equipment licensed for road use, that he subcontracts from ANOTHER subcontractor. So once you add the gc, everyone else get tagged along beside it - MONGO exposure, that's really hard to assess, and almost impossible to bring back the premium for, as the GC's cost of hire is NOT included in the rating factor.
Non-owned auto - this extends your liability to BORROWED (as in, you're not paying a payment for rental) vehicles, including (but not controlled to) employee vehicle. Again, it might be limited to private passenger type autos; it might not. If you include the GC as additional insured, it manner your policy covers HIS borrowed vehicles, including HIS body vehicles, and worse, his other SUB'S vehicle. Another impossible, unratable exposure.
What I would do if I were you . . . 1. see if the haulier will add it on, next to the limitation wording on your cert, "set to the operations of the insured". That will exclude the GC's ops, and his other sub's ops. 2. Go to your auto possessor, see if you can buy a hired & nonowned auto policy ONLY, that ONLY covers PP type vehicles, next to that endorsement - it should run you roughly $250, and another $50 for the AI endorsement. Then tag on the $300 extra into the job cost. Assuming you've talk it over with the GC's RM, and that will work beside them.
Health insurance benefits and costs between MA and IL?
Question:
Hi. One year ago I moved from MA to IL. I was really surprised to find out that MA have not much insurance companies and those have fundamentally high premiums and fixed choice (HMO AND PPO). Like I am 19 and student. The average cost in MA would be for me min $290 for HMO (and I feel required PCP sucks) and min $400 for PPO with deductible $5000 (BCBS)! Wow. Here within Illinois for about $140 I can hold PPO with deductible a moment ago $250 and copays for doctors and prescriptions (BCBSIL). I have also found New York state have also very unconditional and expensive health insurance. What it is that these states own very expensive premiums and set choice in select plans (for ex deductibles and copays and RX coverage)? Not everyone for ex needs coverage for prescription and that lowers monthly premium? so why? I guess these are some state legislations, but why not handful for citizens? Can someone answer my question?
Answer:
Now you see why Massachusetts just passed a statute that basically ditched the private flea market for small employers.
You are finding out that respectively state has separate insurance law that require insurers to cover different benefits.
States that have a soaring level of benefit mandate and then also own a high stratum of regulatory control over rates have a difficult time attracting insurers to want to put up for sale there.
When you hold very few companies selling, here is no competition and the price goes through the roof...which is exactly what happen in Massachusetts. The costs get so high it be hurting small employers and individuals.
The crisis get to the point that the state has arranged to ditch the small market and move about to a statewide mandate where the state will income for the care of those who can't afford it.
You are also finding that Illinois have many competitors and second-rate rate regulation which means a better settlement for consumers.
Hi,
You can get some of your answers here:
hope it help
Question roughly form insurance?
Question:
I'm a freelance artist and have a fulltime vigour insurance plan with Blue Cross Blue Shield.
Sometimes the companies I work for cover me and sometimes not... When the company does cover me, I own two health insurance plans - the one the company give me while I'm with them and my own personal vigour insurance.
It seems close to an unnecessary expense to pay several hundred dollars for a plan that I wouldn't use for the 6 months I'm near a company... but, it seems risky to overthrow my health insurance for 6 months and start it up again?
Help!
Answer:
It's without doubt risky. If you can't get on the company vigour plan continuously, then I would suggest keeping your individual policy. You are protecting your insurability. If you call off your coverage because you will be covered by the company for 6 months, you may leave yourself uninsured when it ends. Let's say aloud something happens to you during that 6 months that make you uninsurable, like an quirk that leaves you with ongoing treatments or an weakness that would be disqualifying. Will the company continue to cover you or will you be forced to try to find your own coverage? You are putting yourself contained by a tough position. I'm not saying it is impossible, purely very difficult.
Keep your individual coverage, and see if the company will "assist you" next to the cost while you are employed with them, instead of enrol you in their plan.
If you discontinue you condition insurance only because you hold temporary robustness insurance, then once you walk off the company your with, you'll hold to apply for new robustness insurance, maybe at difficult rates. If something should happen while you don't hold insurance, you'll have to pay cheque at 100% the fees. Also if something should happen when you don't own insurance, it will go into your medical transcript, then when you do apply for insurance, you may be rate at a higher rate due to that ailment. If your healthy, and underneath 50, you shouldn't be paying more the $200.00 a month.
I hope this helps!
Insurance Adjuster-I call for free reliable weather reports to settle claims? Any thinking?
Question:
I am an insurance claims adjuster that's getting sick of the website we are using to get bygone weather information. Does anyone know a few websites that I can get weather information (preferably near a search function by city) for specific date. Optimally I am looking for something that includes wind speeds, temp, storm hum, precipitation, lightning strikes, snowfall, hail etc. Even a combination of websites that will contribute me this information would be fantastic. Thanks for your help.
Answer:
as an insurance agent I used to use:
http://www.wunderground.com
at hand is a history function on the site that lets you choose the date you want to look at. It give pretty detailed info.