she borrowed $1500 for 90 days. The proceeds be $1470 find the discount.?
Question:
Answer:
um...thirty dollars?
If you're looking for a percentage, 30/1500 = two percent for a year...but since it was just 90 days, which is 1/4 year, then it's eight percent.
Can misdemeanors angle insurance?
Question:
Answer:
If you're talking in the region of a traffic ticket on your record and the insurance is your automobile insurance, consequently yes, it can. Insurance companies check your driving record.
If you're conversation about some other type of misdemeanor, probably not.
yes some can trademark insurance go up
that depends on what it is...
Itemized deduction?
Question:
I work offshore in the grease and gas industry. I do a lot of traveling between La and Tx. I can itemize my milage ,what roughly speaking meals and personal exspenses incurred while away from home, work clothes and so on. Do I qualify even though I am not self employed
Answer:
work clothes: yes, single if it is a required uniform that you are not provided or reimbursed for.
the meals & personal stuff will depend on if your work covers it with any reimbursement or an expense account. And unsurprisingly they must be job related. I would want to articulate that the meals you probably can.
Yes as long as it is individual used for the purpose of work.
There's a formula that covers how much you can deduct for these expensed. Of course, you cannot claim anything that your employer reimburses you for. And, your total deduction have to be more than the standard conjecture, else, it doesn't make sense.
1040, Schedule A , Line 20 -
Get & read the instructions for this queue
http://www.irs.gov/
http://search.irs.gov/web/query.html?col...
What is a typical light of day approaching for a claims adjuster?
Question:
I am considering becoming a claims adjuster, can you tell me what a typical day/week is similar to?
Additionally, I would like to know roughly speaking the requirements.
Answer:
There is no "typical"
It will depend first of all, on what type of adjuster you are. Like anything else, in that are specialties. Worker's Compensation claims, Auto, Liability, property, medical, etc.
Also, it will depend on if you are an inside adjuster (stay in the bureau and pay medical claims) or an outside adjuster (out contained by the field estimating lay waste to on a fire to a building, etc.)
Some U.S. states require claims adjusters to have a license. Some do not. To become an adjuster, you primarily get a trainee charge with an insurance company or third knees-up administrator and learn on the opening.
Your job entail visiting premises to access what the price would be resembling if the items are to be resold or auction off. Generally, its not a massively nice job because you're possible to visit venue whom have hold defaulted surrounded by their loan repayments thus the seizure of their assets. Qualifications vary from industry to industry. Your likely employer would be banks, nouns companies, police force, just to mark a few.
SG Elite is talking out of her butt. I used to be an adjuster. If you enjoy never done it before, they will start you bad just taking reports of accidents- to be precise straightforward, just follow the form.
After that, you will start to embezzle on your own pending (or caseload). You own to do more then- you must call your insured, the other participant (claimant) see who is at fault, and consequently pay fittingly. You have to arrange for rental cars, go and get an inspector out to see the damage, and if someone is injured, you will probably be endorsement it on to a more experienced adjuster who knows how to negotiate bodily injury claims.
What really matter is your pending. They nouns you up with several clients each year, and they evaluate you on how quickly you close your cases.
People embezzle their breaks pretty religiously. You will probably make friends at the department, and sometimes there is discrete department romances- you know what happens when they put two animals within a cage? Same for humans.
The requirements- some insist on a college amount, but I had no concept why. Basically just devout communication skills, a neat appearance, and an even annoyance.
What type of claims. An auto claims adj has a terrifically different day afterwards a liability claims adj
I have several trainees surrounded by my office very soon. The requirements were adjectives intelligence, a work ethic, and in my shield I needed one of them to be bi-lingual. All these are field adjusters. I enjoy no inside adjusters because we are an independent company who is hired by insurance companies to investigate
What happens is that a suitcase is assigned to the adjuster. If it is a property loss (damage to the house), then the adjuster meet the owner, determines the damages, and reviews the policy for coverage. He may take reports, he may work beside contractors, etc.
On liability cases, same basic situation. The adjuster investigates what happen, and whether or not there is coverage for the incident. If at hand is, and there is also imperfection, then the adjuster recommend payment.
Now, some relations say that they are stressed, but respectively of my people loves their opportunity. We have abundantly of freedom during the day. Yes, we do enjoy to do some tasks that aren't fun, but it's all surrounded by a days work.
Inside adjusters for companies basically bring reports, gather information from pasture people, and breed a decision. (see the difference, a company adjuster make the decison, we just receive the recommendation).
Either way, if you own an inquiring mind, and you like citizens and helping them, then it's not a doomed to failure job. College is preferred by most companies, but you can work around it. (one of my trainees have college, one does not)
Can hospital discharge you if you own a small IRA?
Question:
The social worker is telling my retired mom (nearly 65) to deplete her IRA (her one and only savings) to pay for terrifically expensive home health consideration (has no insurance and doesn't qualify because she is married of allt hings) like TPN and nursing and such. Even if she did this, it wouldn't be satisfactory to cover everything (she has cancer and it most plausible will recur after this course of treatments).
Can the County hospital force her out like this? Her IRA is small and her bills for the final 4 months are enormous. The IRA have to be used for her basic living expenses, but the hospital doesn't want to hear any of that. If she refuse to pay for the home effort, then what happen? The Dr wanted to hang on to her in for at least possible another week to see how the tumor goes.
I simply don't want my mom to be broke and homeless and having cancer!
Answer:
The intention they are telling her to spend her IRA is that within order to qualify for Medicaid. However, Medicaid have look back provisions to prevent inhabitants from disposing of assets strictly for the purpose of qualifying for Medicaid.
Medicaid is a integrated state and Federal Government program to provide health attention to detail for the poor. The specific rules differ from each state as far as the amount of assets the lenient is allowed to keep.
However, contained by this case since she is not going into a nursing home, the disposing of assets may not apply. Medicaid, surrounded by order to qualify does require that if you enjoy liquid assets that you spend them first in the past Medicaid will pay.
Medicaid qualification is base on need and take the persons income and assets into justification. The reason they may enjoy suggested that she get divorced is it will decrease her assets to the point where she would qualify.
If she can dangle in at hand until Medicare takes effect when she turns 65, that will cover her expenses from that point on.
The hospital can discharge her. However, if they are a county Hospital, they can not junk care if she requests it.
Hope this helps
Sometimes things beside the government never breed sense. Finances are one big mess, no matter what the problem is. She will probably own to do what they say. It is a shame, since the establishment wants us to accumulate on our own. You can see how that would go!
yes
That is a political affairs regulation. She is not allowed to hold more then $2,000 surrounded by total assets. If she cannot pay after medicare kicks contained by. The hospital is not required to treat her if she cannot pay. The single way that they own to treat her is if she is an ER case. If she cuts her paw off they HAVE to treat her. If it is not urgent approaching that they do not. Cancer is not an ER case. Sorry! She have to find a way to payment. She does not have a legalized ground to demand treatment from the hospital.
If she pays something on the bill,and they brass the check or take the recompense;they can't say she didn't try.They are merely trying scare your mother,they know she is sick and possibly confused under medication.detail her to not sign anything.There is a law against things similar to this.I have notice at this time of the year,bill collector come out of the wood work,before the strange year.
The hospital isn't discharging her because she has an IRA. They are discharging her because her treatment can be done on an outpatient starting place, rather than inpatient.
If she refuse to pay for home comfort, she can go live beside you, or you can go live next to her, or she can live by herself with no home concern, or she can enter assisted living, if she's not capable of living on her own.
Medicare (aka, the public dollar) isn't going to wages for long term contemplation while she still has personal assets that can be used to cover it.
Effectively, she CAN income, she just doesn't want to, and you want free perfectionism for her so she doesn't HAVE to pay. That's call government vigour care; you can other move to Canada or the UK to use their system. The waits are really long, though.
I muse there is some confusion , I meditate she meant to deplete it but NOT by the side of the medical bill . . . I think she intended it so she could qualify for Medicaid.
Go back and collaborate to the social worker again, ask if she intended for the IRA to be spent on the hospital bill OR, a short time ago used so that she would qualify for Medicaid (which has I believe, a $2000 max asset groundwork for eligibility)
The hospital cannot legally discharge her because of her financial situation. Is this a non for profit hospital? because they enjoy regulations or quotas they have to come upon as far as giving servies to the uninsured. If I were your mother I would threaten the social worker, detail her that her practices are unethical and that your mother is going to contact department of insurance.
Can married women do condition insurance for her in-laws?
Question:
I mean to vote spouse , 2 kids, 2 dependent in-laws.
so all together 6 member.
Answer:
It could be done if you have a group strength policy for a small business. I would shop it both ways. A family plan near 2 seperate individual policies for the in-laws. And a quote for a small business group health (as long as you enjoy a business).
Do you mean add on them to your policy? That depends on the policy. Some may just allow spouse or freshly kids.
Absolutely no problem, it can be done.
It can be done but am not too sure if you will get the tariff benefit for the parents-in-law
Usually you can add spouse, kids, and stepkids to your strength insurance. I've never seen the means to add IN-LAWS, or even PARENTS, to your robustness insurance.
I'm not saying it's not out nearby, I've just never hear of it. Can't see where that would be at ALL advantageous to the employer to do that.
Very unlikely. Most policies won't cover dependent parents. Heck, they see adult children sour as soon as they can!
Good daughter in directive should must do something for Babuji, her in law?
YES . Married women can do insurance for her inlaws.
Material regarding insurance can be downloaded from the www.poonam.reliancefresh.info
www.reliancelife.reliancefresh...
Every company have some advantages and somedisadvantages. But insurance plans are same as per govt. guidelines ( IRDA ). Premium may be differ from one co. to another but it as not more than 1% to 2% on depending on plan to plan. if you you some insurance plans as given below , you can understand that the primary plans are same in adjectives co. but name of the plan is different surrounded by all co, but objects are same as per plans . some term of plans are as follows :
COMPANY NAME ( (ENDOWMENT PLAN )
ICICI Prudential Life Insurance
1. Save 'n' Protect
2. Cash Bak
3. Secureplus
4. Cash plus
TATA AIG Life Insurance ,
1. Assure 21 money saver
2. Life Plus
3. Shubh Life
4.Assure Security & Growth
AVIVA Life Insurance,
1. Wealthplus/ Easy Life Plus
2. Lifesaver
Birla Sunlife Insurance,
1. Flexisave plus
2. Flexicash
3. Flexi Long Term Saving Plan
4. Life Companion
5. Flexi Access Money
HDFC Standard Life Insurance,
1. Endowment Assurance
2. Money Back Plan
Bajaj Allianz,
1. Invest Gain
2. Cash Gain
Max New York Life Insurance,
1. Endowment 60
2. Endowment 20
3. Lifegain plus
SBI life span insurance,
1. Sudarshan
2. Sanjeevan Supreme
3. Money back plan
LIC,
1. Table 14
2. Table 48
3. Jeevan Shree
4. Jeevan Sathi
5. Jeevan Mitra
6. Jeevan Samridhi
7. Bima Gold
ING Vysya
1.Reassuring Life,
2. Maximising Life (Money Back) Plan
3. Maximising Life (Money Back) Plan
4. Powering Life (Limited Premium Paying Plan)
Om Kotak Life,
1. Kotak Capital Multiplier Bond
2. Endowment Plan
3. Money Back Plan
COMPANY NAME OTHER PLANS
ICICI Prudential Life Insurance,
TATA AIG Life Insurance,
1. Health Protector
2. Health First
Birla Sunlife Insurance ,
1. Medicare
2. Woman First
3. Bima Kavach Yojna
KAJAL Allianz,
1. Health Care
2. Keyman Insurance
Max New York Life Insurance ,
SBI energy insurance,
1. Keyman Insurance
COMPANY NAME
(WHOLE LIFE PLAN )
1.ICICI Prudential Life Insurance ,
Life Time Premium Life
2.TATA AIG Life Insurance ,
1. Mahalife
2. Mahalife Gold
3.AVIVA Life Insurance,
1. SaveGuard
2. Lifelong
4.Birla Sunlife Insurance ,
1. Flexi Lifeline
5. HDFC Standard Life Insurance ,
1. Whole of life
6. BAJAJ Allianz ,
1. Lifelong Gain
2. Life Time Care
7. Max New York Life Insurance,
1. Whole time (participating)
2. Whole life (non-par)
8.SBI existence insurance ,
9. LIC ,
1. Jeevan Anand
10. ING Vysya ,
1. Fulfilling Life
2. Rewarding Life
You can understand that baulk of plans are same in one categary while label of the plan is different in different insurance companies.
For detail you can stop by following websites :
http://www.poonam.reliancefresh.info...
http://www.reliancelife.reliancefresh.in...
http://www.kajal.reliancefresh.info...
http://www.redfort.reliancefresh.info...
http://www.joginderkathuria.ignou.info...
depends on the company
what is the best track to filch protection nearly my retairment if I'm selfemployed?
Question:
Answer:
Depends on how old you are and when you want to retire. You should start a Roth IRA or ask a CPA something like starting a retirement plan through your business. Either way you enjoy to save, pick up, save.
Probably find a luxurious widow to marry.
Being self-employed (earning your income in the "S" quadrant) allows you more control over your income than self an employee (earning your income contained by the "E" quadrant). However, unless you are earning income contained by one of the other two quadrants, B (business owner) or I (investment), you have no material financial security. There is a business which one can start, which allows you to find into the B quadrant with greatly little initial commitment of time and money. If you e-mail me directly, I'll furnish further info. The quadrants are the lingo of author Robert Kiyosaki in his books, Rich Dad Poor Dad, The Cashflow Quadrant, and others.
bricks and mortar
Do you hold a house?
lol no one mentioned this one huh?????
SEP- IRA LOOK IT UP, TOO DETAILED TO TALK HERE ABOUT IT. YOU'LL LIKE IT. GOOD LUCK FELLA
DIVERSIFY
Have any agents have a bleak experience beside Aflac, if so, what happen?
Question:
Answer:
I don't think you'll find an agent, a suitable one anyway, that would say anything unpromising about an insurance company and their experience - or at tiniest put it in writing.
There are lots agents and ex-agents out there who enjoy had some experience near AFLAC. I would suggest that you find one locally and ask them, or give it a try for yourself.
I am not an agent but a fundamentally dear friend of mine, who is also a lover of God and the most honest person I own ever known be fired because she refused to share her 44 man group beside her supervisor. This tells me one entity, there are more agents than within is business to write and the competition for business is almost beastly.
10 points for best answer.?
Question:
Are there specific reason why an insurance company would deny
you coverage for your home. If so, why?
Answer:
There are many root to why an insurance company can deny you. I currently work for State farm and we deny general public on a daily basis these are our requirement in the state of florida you own to have an auto policy near us since march 16 2006 and the home have to be build after 2002. If you dont meet that you are denied otherwise you may be denied due to location of home or number of previou losses.
This is State farm requrements also if you have homeowners policy next to us and you purchased a new home to be precise older than 2002 the roof have to have atleast five years of life span in it or the roof have to be replaced.
Every company has its own guidelines and in that are many reason to be denied.
The reason State plant set those guidelines in florida is due to hurricane Andrew a while ago. The company have to take money from the auto policies to cover the homeowners.
There is a purpose behind everything when it comes to insurance
Insurance companies can use any excuse to decline coverage. It could be for the age of the home, construction type, claims on the home and the insured, credit mark, roof type, closed zips, etc.
All carrier have different guidelines for accepting untried business. In Florida most carriers are going to homes built 1995 or newer due to glorious re-insurance prices.
I agree with adjectives of what jrameriz wrote with the exception of his remark on homes built after 1995 surrounded by Florida. I cannot verify this.
added to his answer is the location where the home is will also be a factor near some insurance companies.
Sometimes a home is purchased for more than the replacement value and they cannot insure it to soothe the mortgage.
Conclusion: Contact an Independent Insurance Broker in your nouns. The Insurance Brokers have a yawning variety of Homeowner Insurance Companies that can facilitate you out. You can try as many Brokers as you want as they adjectives might not have a book of business next to the same Insurance Company.
Good Luck!
There are also other reason than what jramirez stated. It could be type of pet you own, pool on premises, trampoline on premises, no hand railing on steps, bad or weak shingles, siding, wiring, heat.
There are alot of reason why it could be denied. If you enjoy been denied coverage, they will transport you a cancellation discern. Contact your agent and they will explain why it is being denied.
There are moderately a few reasons. Lets see how heaps I can think of...
-Your credit gain is a factor, as well as any prior claims history.
-The location of your home is also a factor. Are you surrounded by a coastal area similar to Miami where within is risk of windstorm damage?
-Age and construction of the home can sometimes me a factor. As elder wooden homes would pose a higher fire threat.
-If its an older home, when be the last updates to your electric, plumbing, and roofing?
-If you hold oil roast, is your oil container in the crypt or underground. If it's underground, some companies wont write it because of pollution liability if the tank leak.
-Also, after writing your insurance, a company will visit the home to see if here are any fire or safety hazard. Stairway without a railing would both be a problem.
-A trampoline, pool thats not fenced within or other attractive nuisance that could make happen neighborhood children to get hurt.
-If you own a dog that has bitten someone (and you be sued), a carrier might deny you.
Well, thats in the order of all I can regard as of right now
Okay, respectively company is different. At my company we have something call SRM, which means Strategic Risk Management. For homeowners, depending on the nouns, can be some risky business. Lets turn the tables:
If YOU be an insurance company and you had to insure the country, what risks is your house at beside an everyday lifestyle?
(this would be like Fire, appropriation, vandalism, water mar, wind and frozen rain, etc)
Now take a look at the end 10 years. We have have an increase in not solely earthquakes, but tornados and hurricanes. since they appear so infrequently, it costs more to replace houses (picture all of Florida... 200,000 per house x 100,000 houses contained by one town, thats alot of money) The insurance company has a stability mark, which is called "Standards and Poors" These are what we appointment "castrophe"
Insurance companies are trying to limit where on earth they write new policies, to clear sure they dont go skint.
They will look at your credit (why? cuz people beside bad credit hold a habit of making more claims, which costs the company more money), and they look at how masses c laims you have made surrounded by the last 5 years (to find your pattern) and they will look at your house (if you hold a crappy roof and a falling down staircase, they wont insure it... liability suit for sure)
The reason why your premiums will finale up what they end up at is base on YOU. You may only foot 1 thousand or 2 thousand a year, but if ANYTHING happens to the house, the ins company will pay envelope out 200,000. The insurance company is not making any money off of you, they arent even close to it, but respectively company is different.
What do we requirement contained by demand to qualify for getting health/life insurance?
Question:
I heard that some insruane companies wouldn't allow individuals over 60+ years infirm for getting an insurance, especially those who are foreigners, is this true? Why they not allow that?
Answer:
This is not true. It is a common misconception that those over age 60 can't get natural life or health insurance. I work near mostly retired people and own never had a problem getting vivacity insurace coverage provided they are in appropriate health.
People over te age of 60 are not considered big risk. Rates Life insurance companies charge are based on mortality table (likelyhood of death base on current age and life expectancy) Yor current condition can have an effect on the cost of the insurance be well as your age. A personage who has some robustness problem in various cases can still quilify for life insurance a short time ago at a rated cost (higher premium due to health). Depending on the amount of vivacity insurance you intend to apply for will determine that requirements to quilify. Every company has different requirements base on age and amount of coverage being applied for. With lots companies if you applying for over $100,000 they may require a Paramed with blood and urine (at the expense of the insurance company). In some cases they may request to see the medical documents (the insurance company orders them direct form the doctor). A resting EKG is also another entry they may want and is done at the same time as the paramed (again the insurance company pays this expense).
Health insurance is a short time different. They focus on morbidity which is the likelyhood of illness base on your current health and ancestral history (parents, brothers and sisters). It can me more difacult to quilify for this type of coverage if you have exsisting medical issues. If you are working near an agent, ask him or her to submit your current health to the underwritter fo a ruleing. This can relief you decide which company is most expected to insure you based on your form and family history.
That is not true. There are tons insurance companies that will insure you regardless of age. The important point here is what your health status is. For instance if you enjoy a disease it is extremely difficult but not impossible. And of course the older you are the more money it will cost you for existence insurance. ( The older you catch, the closer we get to death) It is best to carry it when we are young and surrounded by good form and then sway on to it and don't let it lapse. Good luck!!
First of adjectives, according to most insurance companies, 60+ people belong to a group call "high risk" group. People surrounded by the old age tend to be more demanding medically whether through virus, injury, accident, etc which equals to greatly of money spent by the insurance companies and that is not apt for business.
Secondly, especially if you are a foreigner, you are present in the country solitary for short period of time usually and hence won't be paying premiums for long. If something be to happen to that personality, comparing the little income generated through premium and the huge expenses that will enjoy to be covered, if something were to come up to that person which is promising as you are not as familiar beside the area as the local population do, you can see that the insurance company will lose A LOT of money. Hence, such actions are not considered to be profitable move and doomed to failure for the well individual of the company.
Best advice is to apply for insurance surrounded by your home country that also covers you when you are outside of the country.
Is anyone on dust writing Homeowner's policies for New Orleans?
Question:
My partner and I are buying a flooded house in New Orleans. It seem absolutely criminal that we, and everyone else, hold to be stuck with the citizen's rational plan, which is horrible expensive and covers practically nothing but vandalism.
Answer:
Letters written to Insurance Commissioner regard to your issues and concerns might be taken into consideration to make some insurance companies elevate any type of moritorium they have set for your nouns. The more letters, the quicker response you will grasp to have some facilitate on this.
The Government needs to verbs together the resources to help restore what have been worn out. It doesn't help if renovated property in a minute becomes uninsurable.
Best of Luck to you!!
There are some, Allstate, Geico are two. Here is a website that list more. Good luck. BTW, we live in Midcity, while we did not flood Allstate is still writing our policy.
The PROBLEM is, buying a house near unrepaired damage, from the insurance company point of judgment, is a fraud claim waiting to happen. So they can't be bothered.
The second problem, New Orleans man so far below sea stratum, and the levees not being competent to withstand another direct hit, the insurance companies don't think they can construct money writing homeowners insurance in New Orleans - ESPECIALLY beside all the impending lawsuits. They're being sued for not covering flood bring down - which isn't covered under their policy, you own to get a seperate policy - but they STILL enjoy to pay their lawyer to defend themselves, so adjectives those policies they wrote with no flood coverage, are costing them A TON.
So, because they can't build money there, and don't see a instrument to make money surrounded by the future near, they don't write there, and you're stuck near another government program.
It's elementary free market and capitalism. They don't want to bear the risk of YOUR house. The easy method out - pay lolly for your house, and "self insure" it. That way, you're the just one taking the risk.
Life insurance serious nice HELP?
Question:
I am in Ontario Canada . i want to procure life insurance i am 44 and not a low risk being . so i was thinking of one of them similar to AIG. asks no questions generous i only want adequate to bury me . what company is good and how much around should this cost .
Answer:
If you're not a low risk person, you're credible to have to foot face effectiveness over the next 2-3 years.
Companies that "don't ask any questions" roughly are the most EXPENSIVE places to go, and when claim time comes around, THEN they look at your application and release certificate, and settle on if they are going to pay or not.
Where do I look for form insurance for my house?
Question:
Can i call insurance agents and carry quotes from them for free? my husband is self employed do they have any form insurance specifically for that?
Answer:
Health Insurance quotes can be obtained on-line and next you would need to name the insurance company or insurance broker to activate coverage.
Another conception is to talk next to your medical doctor's office to find out if he have any related information for you.
You might want to contact other self-employed people contained by the same area your husband is in. Sometimes Insurance Brokers hold Discounted Insurance Group rates for your small business owners.
It's a shame kick-backs aren't given of your insurance premiums for unused insurance medical costs. They are so expensive.
Good luck !
yes. just telephone call them and tell them what you stipulation they can help
Go to www.insureme.com and you can request rates from several different carrier in your nouns.
depends on where you live
ohio, missouri or georgia folks can call on:
http://www.ohioinsureplan.com/ohio/healt...
hey hun yes they do for the hubby.
check out these carriers websites: Guardian, Oxford, Blue Cross within youre in east coast, Cigna, Hartford. : )
There's a company out within that helps family who do not have and entail affordable health benefits. It includes regular department visits, any specialists and even pre-existing conditions. It unsophisticatedly includes everything you need sustain paying for. Their medical plan includes dental, vision, prescription and chiropractic benefits as very well. There's no high premiums, deductibles, co-pays, waiting period, claims forms or anything like that at adjectives. They can save you up to 80% on your out of pocket expenses for a extremely small fee every month. It could terminate up saving you deeply of $$ over traditional insurance. Try this website and you can check out the specifics and providers in your nouns. http://www.everyonebenefits.com/40424269... If your provider isn't on there, he can be added. They are a wonderful company and are member of the BBB. I have benefits through them as economically. Hope you find what you need. Please email me if you own any questions, and I'd be relaxed to help you if I can. Best of luck.
Yes, check this;
http://www.insureme.com/landing.aspx?ref...
I get mine from them. Once you enter your basic information. You will contacted by the licensed agent near their best quote for you and your famil.
Which is better as an agent to work for, energy vigour misfortune, or property casualty and why?
Question:
Answer:
I really think it's a thing of personal preference. There is more MONEY, within general, within the life/accident/health sector. However, I'd be BORED to tears there. Sure, get the license, but I LOVE LOVE LOVE property casualty. It's fun, and very confrontational at times - you have more opportunity to be extremely creative within your solutions, as you can piecemeal coverages together, depending on the account.
PS, personal lines property casualty is boring. I'm chitchat mid to large commercial, for the interesting, fun stuff.
So that's MY inference.
Life, health and catastrophe ins. would be the best way to run.
Why? Because there are more individuals concerned with that, than within are people who own property. Folks who own property are required thru the lender to own property ins. so you would be going after the wrong customers. Go figure the stats. Best wishes
Life/health earnings higher commissions than property and casualty. Property and casualty includes automobile coverage as economically as homeowners/renter's insurance. The difference in settle up between a $400 year homeowner's premium versus a life policy premium of $100 month is significant. Especially if it's a full life policy.
The biggest problem beside a life policy is if the client cancel before the first year, within which case an agent may be required to settle up back to the company.
It really depends on you. I am licensed for everything but delight in working with property/casualty. I own a good friend who hate P&C and works strictly with life/health. You will probably involve to try both and see what your best fit is.
Personally I like property and casualty better. There is more money surrounded by life and robustness. I think within is more competition from other agents on the life and robustness side. Most policies on the life insurance side income a one time commission to the agent. Health insurance is the exception. Property and casualty policies renew each year and provide commission to the agent respectively year it is renewed. Health insurance customers tend to buy mostly on price and often shop their policies.
It is a event of personal preference. I own friends that love life and strength and won't touch property and casualty. I am the opposite. I matter with both personal and commmercial accounts. Personal lines is okay and usually only pays your expenses. Commercial lines is more time consuming but provides much more profit. Plus with commercial you are dealing next to all types of different clients (restaurants, contractors, manufacturer, retail, etc).
Well and obviously you can do the adjectives deal and write adjectives lines of business, which is what I do...but my focus is more on commercial property & casualty and then I'll nurture off of that and go some group health and individual products.
P&C is more insulting from a coverage standpoint, specifically commercial, a lot of different wants to fulfill and a lot of different ways to run into your clients needs. I would enunciate the P&C side of the business is more service driven whereas the Life & Health side of the business is more sales driven from an agent's standpoint. Commisions for L&H tend to be more front-loaded, import you get most of the commission up front, so once you kind a sale you verbs to the next. In P&C you serve the client throughout the policy spell and the commission remains relatively the same from year to year as you verbs to work with the client.
Obviously nouns has be found on both sides of the business so it's tough to say which is best...
where on earth can i draw from a inventory of occupation that can effect the cost of sports car insurance?
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Answer:
Mbrcatz17 is right (again!!). It is more the type of occupation and some occupations are ineligible for a personal auto policy. For instance several companies will not write package or pizza conferral use vehicles on a personal auto policy. Due to the time contraints of confinement, being doing a tour more, etc, this type of risk goes on a commercial policy. Some companies will not write anyone who is a reputation or in the public eye, such as the professional football players mentioned by someone else.
As far as the personal auto policy go, examples of business use vehicles might be, definite est. sales, insurance agents, sale reps - these people use their motor in business, not lately driving to and from work (one place where they work).
I would LOVE to see this because my occupation is allegedly on it. I own asked my insurance company before but I have an idea that they all own different lists.
Professional footballers are also on this register.
Whatever you do, don't be tempted to convey fibs something like your profession because this can invalidate a claim.
Right here, here it is:
Yep, nothing. On a personal auto policy (which medium, no business use) it's not a rating question. The individual time it's affected is when the saloon is for business use.
THEN, it's not your occupation that counts, but the actual rating class (aka, use) of the vehicle. Public vehicles are most expensive - that would be taxi and limos. Then come emergency use vehicles - ambulances, fire chief cars, emergency response type.
You can find a complete account in any commercial auto rating booklet. They are mostly proprietary, but you can get copies of the corresponding rates for whichever company you want, from your state insurance department department - they are on file and a issue of public record.
Take a look at this http://sirlook.com/hl03u article i found it should answer your give somebody the third degree and also has some appropriate information on car insurance and finding right deals etc.