Wednesday, December 30, 2009

How to Contract With Insurance Companies

Article originally published on eHow Money
12/30/2009

View original HERE

How to Change E&O Insurance

Article originally published on eHow
12/30/2009

View original HERE

Tuesday, December 29, 2009

How to Waive Your Rights to Life Insurance Proceeds

Article originally published on eHow Money
12/29/2009

View original HERE

How to Configure Internet on Blackjack 2

Article originally published on eHow
12/29/2009

View original HERE

How to Configure the Samsung Blackjack Cingular Phone With an Exchange Server

Article originally published on eHow
12/29/2009

View original HERE

How to Connect a Headset to a Blackjack Phone

Article originally published on eHow
12/29/2009

View original HERE

How to Stream Videos on Blackjack 2

Article originally published on eHow
12/29/2009

View original HERE

How to Customize Blackjack 2 Homescreens

Article originally published on eHow
12/29/2009

View original HERE

Saturday, December 26, 2009

How to Unlock Blackjack 2

Article originally published on eHow
12/26/2009

View original HERE

How to Use an AT&T Blackjack as a USB Modem

Article originally published on eHow
12/26/2009

View original HERE

How to Use BlackJack 2 As a Modem

Article originally published on eHow
12/26/2009

View original HERE

How to Reset the Blackjack 2

Article originally published on eHow
12/26/2009

View original HERE

How to Increase the Sound on the Blackjack 2

Article originally published on eHow
12/26/2009

View original HERE

Thursday, December 24, 2009

How to Import Data Into Quicken

Article originally published on eHow
12/24/2009

View original HERE

Wednesday, December 23, 2009

How to Open Attachments in BlackJack 2

Article originally published on eHow
12/23/2009

View original HERE

How to Put a Picture on the Computer From a Blackjack 2 Phone

Article originally published on eHow
12/23/2009

View original HERE

How to Change the Home Screen on a Blackjack 2

Article originally published on eHow
12/23/2009

View original HERE

How to Turn Off Data on a Blackjack Phone

Article originally published on eHow
12/23/2009

View original HERE

How to Clear the Phone List on a Blackjack

Article originally published on eHow
12/23/2009

View original HERE

How to Uninstall a CAB File on WM6

Article originally published on eHow
12/23/2009

View original HERE

How to Synchronize Blackjack II With Microsoft Outlook

Article originally published on eHow
12/23/2009

View original HERE

How to Change the Battery in the Motorola Walkie Talkie

Article originally published on eHow
12/23/2009

View original HERE

How to Display Photos From a Laptop to a Projector

Article originally published on eHow
12/23/2009

View original HERE

Tuesday, December 22, 2009

Advanced Uses for Life Insurance

Article originally published on eHow Money
12/22/2009

View original HERE

Monday, December 21, 2009

How to Fire a Safety Manager

Article originally published on eHow Money
12/21/2009

View original HERE

-------------------------------------------

I was recently informed that eHow decided to completely remove my article because it apparently got lost in the search results when people searched for topics about campfires and "fire safety" issues.


However, other media outlets currently still display my original piece.
WikiBase

How to Lease Video Conferencing Facilities

Article originally published on Chron
12/21/2009

View original HERE

How to Return to Work after a Non-Occupational Injury

Article originally published on eHow Money
12/21/2009

View original HERE

How to Delete Multiple Entries in Quicken

Article originally published on eHow Money
12/21/2009

View original HERE

How to Uninstall Quicken Billminder on Vista

Article originally published on eHow Money
12/21/2009

View original HERE

How to Export a Quicken Transaction File

Article originally published on eHow Money
12/21/2009

View original HERE

How to Delete a Memorized Payee in Quicken

Article originally published on eHow Money
12/21/2009

View original HERE

How to Finance an Insurance Book of Business

Source: TaxCredits.net
If you need funding to purchase a new insurance agency, or expand an existing one, finding appropriate financing sources may be challenging. Perhaps one of the most important factors to commercial lenders is the existence of significant collateral.

Unfortunately, traditional lenders, such as major banking institutions, look for hard, tangible collateral. It is rare for an insurance agency to possess enough hard collateral to secure a large enough loan to purchase an existing book of business. For this reason, you will have to find a lender who specializes in financing insurance businesses and understands their inner workings.

Tuesday, December 15, 2009

Life Insurance Contestability Rules

Article originally published on eHow Money
12/15/2009

View original HERE

How to Prospect Individual Health Insurance Clients

Article originally published on eHow Money
12/15/2009

View original HERE

How to Buy Life Insurance Leads

Article originally published on eHow Money
12/15/2009

View original HERE

Saturday, December 12, 2009

How to Buy Health Insurance for an LLC

Article originally published on eHow Money
12/12/2009

View original HERE

Friday, December 04, 2009

How to Buy Life Insurance With Heart Disease

Article originally published on eHow Money
12/04/2009

View original HERE

How to Increase Term Life Insurance Policies

Article originally published on eHow Money
12/04/2009

View original HERE

How to Collect Disabiity Insurance

Article originally published on eHow Money
12/04/2009

View original HERE

Thursday, December 03, 2009

How to Produce Your Own Life Insurance Mailer

Photo by DodgertonSkillhause at Morguefile.com
Most life insurance companies provide direct mail pieces to their agents for use in prospecting and advertising. However, many of these pieces tend to be less than consumer-friendly, and therefore ineffective at attracting new clients.

The power of direct mail marketing success comes from the quality of the mailer. According to the Marketing Survival Kit, “Direct mail can become the most predictable and consistent way to generate new customers.”

If you have the time, energy, and resources to produce your own life insurance direct mail piece, your marketing campaign results may be dramatically better.

How to Get a Life Insurance License in All States

Article originally published on eHow Money
12/03/2009

View original HERE

How to Withdraw Cash Value From a Life Insurance Policy

Source: TaxCredits.net
One of the ancillary benefits to owning a permanent life insurance policy is the equity that accumulates inside it, called Cash Surrender Value (CSV).

With each premium payment you make, a small portion of that money is set aside into a separate account where it can earn a modest rate of return.

Over time, your continued contributions to this account, plus the interest earned, can result in a sizable sum of money that is available for withdrawal if you ever need it.

How to Use Life Insurance in Business Planning

Article originally published on Chron
12/03/2009

View original HERE

How to Determine The Face Amount of Life Insurance

Article originally published on eHow Money
12/03/2009

View original HERE


-------------------------------------------

I was recently informed that eHow decided to replace my article with a similar one written by another contributor. The editors felt the new article was more suited to their average reader's education level and sophistication. If you click the link above, it takes you to someone else's article, not mine.

However, other media outlets currently still display my original piece.
Personal Finance Guide
StartHow
SU Articles

Wednesday, December 02, 2009

How to Use a Home Equity Line of Credit to Pay Down a Mortgage

Article originally published on eHow Money
12/02/2009

View original HERE

How to Sell a Life Insurance Policy in the Secondary Market

Article originally published on eHow Money
12/02/2009

View original HERE

How to Get Life Insurance Prospects

Article originally published on eHow Money
12/02/2009

View original HERE

How to Estimate the Cash Surrender Value of Prudential Life Insurance Policies

All permanent life insurance policies accrue a certain amount of equity called cash value. This amount will vary depending on the type of policy you have (Whole Life, Universal Life, Variable Life), the amount of your monthly premium payments, and the interest rate earned on the cash value portion.

Not all permanent policies have guaranteed cash value performance, as is the case with Variable life insurance policies, which can actually lose value. When you surrender your policy, you may receive a refund check from the insurance carrier for the amount of your cash value, minus any applicable fees or penalties.

How to Buy an Annuity From a Bank

In recent years, banks have become more than just a place to house your checking and savings accounts. Most major banking institutions have installed in-house insurance and investment departments to assist their customers with other financial needs. Many large banks have created their own insurance companies to provide life insurance and annuities to customers, while others operate on a partnership basis with existing insurance companies. Once you have decided to invest in an annuity, your bank may be a convenient place to purchase one.

Tuesday, December 01, 2009

How to Sell Life Insurance on Yourself to a Third Party

Article originally published on eHow Money
12/01/2009

View original HERE

How to Reduce Term Life Insurance

Article originally published on eHow Money
12/01/2009

View original HERE

Wednesday, November 18, 2009

How to Make Money With a Coin Pool Table

Article originally published on eHow.
11/18/2009

View original HERE

How to Change Your Retirement Beneficiary Designation

Article originally published on eHow Money
11/18/2009

View original HERE

Saturday, November 14, 2009

How to Run Market America

Article originally published on eHow Money
11/14/2009

View original HERE

Friday, November 13, 2009

Outlook Contact Copy Information

Article originally published on eHow
11/13/2009

View original HERE

Benefits of an Insurance Job

Article originally published on eHow Money
11/13/2009

View original HERE

How to add a Hotmail email address to Outlook 2007

Article originally published on eHow
11/13/2009

View original HERE

Tuesday, November 03, 2009

How to Get a Referral From My Doctor

Article originally published on eHow Money
11/3/2009

View original HERE

How to Start Buying Tax Certificates

Article originally published on eHow Money
11/03/2009

View original HERE

Tuesday, October 27, 2009

How to Surrender Life Insurance Policy

Article originally published on eHow Money
10/27/2009

View original HERE

Saturday, October 24, 2009

How to Use a Web Cam As a Security Camera

Article originally published on eHow
10/24/2009

View original HERE

Tuesday, October 20, 2009

How to Remove Vinyl Letters From a Jersey

Article originally published on eHow Style
10/20/2009

View original HERE

How to Install Car Window-Washer LED Lights

Article originally published on eHow
10/20/2009

View original HERE

How to Clean Sterling Silver Trays

Article originally published on eHow Home & Garden
10/20/2009

View original HERE

Monday, October 12, 2009

What Are the Functions of Insurance?

The function of insurance is to provide indemnity, or reimbursement, in the event of an unforeseen loss or tragedy. There are different types of insurance policies to cover almost anything you can think of, and countless companies that provide the necessary policies.

Saturday, October 10, 2009

What Are the Benefits of Insurance?

Source: StockMonkeys
Insurance serves many purposes and has many benefits for both individuals and businesses. Policies are purchased to provide protection against the potential of unexpected future losses and can help make sure assets, income, property and lifestyle are kept whole.

Friday, October 09, 2009

Alcohol & Drug Test for Insurance

Article originally published on eHow Money
10/09/2009

View original HERE

Information About Health Insurance

Article originally published on eHow Money
10/09/2009

View original HERE

How to Convert e-gold to PayPal

Article originally published on eHow Money
10/09/2009

View original HERE

Regulations of Credit Unions

Article originally published on eHow Money
10/09/2009

View original HERE

Wednesday, October 07, 2009

51AC Trade Practices Act

Article originally published on eHow Money
10/07/2009

View original HERE

Section 50 Trade Practices Act

Article originally published on eHow Money
10/07/2009

View original HERE

How to Keep Your Outlook Calendar Synchronized on 2 Machines Without an Exchange Server

Article originally published on Salon Tech Tips
10/07/2009

View original HERE

How to Change the Beneficiary on a Life Insurance Policy

Article originally published on eHow Money
10/07/2009

View original HERE

Tuesday, October 06, 2009

Roth IRA Vs. Variable Annuity

Article originally published on eHow Money
10/06/2009

View original HERE

What Is Term Life?

Article originally published on eHow Money
10/06/2009

View original HERE

How to Buy a Car Dealership

Article originally published on eHow Money
10/06/2009

View original HERE

Monday, October 05, 2009

How to Become a Wholesaler for Cars

Article originally published on eHow Money
10/05/2009

View original HERE

Annuity Penalties

Article originally published on eHow Money
10/05/2009

View original HERE

How to Start & Run a Mexican Restaurant

Article originally published on eHow Money
10/05/2009

View original HERE

Can I Get Life Insurance Without a Signature?

Originally published on eHow Money
10/05/2009

View original HERE

California Term Insurance Beneficiary Rules

Article originally published on eHow Money
10/05/2009

View original HERE

Sunday, October 04, 2009

How to Start a Surveillance Business

Article originally published on eHow Money
10/04/2009

View original HERE

Wednesday, September 30, 2009

About Rising Health Insurance Rates in California

Article originally published on eHow Money
09/30/2009

View original HERE

Tuesday, September 29, 2009

Portfolio Definition

Article originally published on eHow Money.
09/29/2009

View original HERE

How to Turn on Out-Of-Office Assistant in Outlook 2007

Article originally published on eHow
09/29/2009

View original HERE

How Are Withdrawals From a Deferred Annuity Taxed?

The Basics


There are two types of deferred annuities, and both types share some of the rules regarding taxation of withdrawals. However, there are certain tax rules that only apply to one type of deferred annuity or another, and this is the reason for confusion regarding how and when taxes are due on annuity distributions.

The two types of annuities are qualified and non-qualified, and withdrawals from either of these annuity types will result in taxation, but in different amounts and under different circumstances.

Disability Insurance Vs. Long-Term Health Care

Article originally published on eHow Money.
09/29/2009

View original HERE

Monday, September 28, 2009

Where to Get Training in Financial Counseling

Article originally published on Chron.
09/28/2009

View original HERE

Verizon Vs. ATT

Article originally published on eHow Money
09/28/2009

View original HERE

Types of Life Insurance Companies

Article originally published on eHow Money
09/28/2009

View original HERE

Ways to Improve Your Pool Game

Article originally published on eHow.
09/28/2009

View original HERE

How to Change Calendar Category Names in Outlook 2007

Article originally published on eHow.
09/28/2009

View original HERE

Sunday, September 20, 2009

DIY Replace Ford Fuel Pump

Article originally published on eHow.
09/20/2009

View original HERE.

Can You Buy a Car Without a License?

Article originally published on eHow Money
09/20/2009

View original HERE

Things to Ask a Car Salesman

Article originally published on eHow Money
09/20/2009

View original HERE

How Much Is a 2001 Mercedes CLK 320 Worth?

Article originally published on eHow Money
09/20/2009

View original HERE

Saturday, September 19, 2009

How Often Do You Change the Oil in a Mercedes Benz E320?

Article originally published on eHow
09/19/2009

View original HERE

Nissan Versa Vs. Yaris in Gas Mileage

Article originally published on eHow Money
09/19/2009

View original HERE

Friday, September 18, 2009

How Much Is Old Currency Worth?

Article originally published on eHow.
09/18/2009

View original HERE

Wednesday, September 16, 2009

The Proper Way to Address Certified Mail

Article originally published on Ehow
09/16/2009

View original HERE

What Is Metered Mail?

Article originally published on Ehow Business
09/16/2009

View original HERE

Tuesday, September 15, 2009

What Kind of Questions Should You Ask About Health Insurance?

Article originally published on Ehow Health
09/15/2009

View original HERE

What Is the Average Cost of Term Insurance?

Term life insurance is one of the most powerful benefits a person can purchase, especially when his need for coverage is high but his financial resources are limited. Term policies can be purchased for very little money and can provide significant benefits to healthy individuals. Families can be protected and lifestyles can be maintained with the proper amount of term life insurance.

Unfortunately, it is difficult to estimate the cost of a person's policy. Far too many factors go into determining how much someone would pay for a policy. However, it is possible to provide price points for the most common categories of people using the most common sizes of policies that are typically purchased.

Can You Get Credit From Life Insurance Policies?

Exercise caution when borrowing from permanent life insurance cash value

As the ability to obtain credit in the United States becomes more difficult, people are examining other avenues of financing to include many non-traditional lending sources.

One of the most common methods being used for personal microloans and smaller purchases is a withdrawal of life insurance cash values. Although not specifically intended as a source of credit or lending, the cash value account in a permanent life insurance policy may be used for purposes other than funding the life insurance contract itself.

The Role of Deposit Insurance (FDIC)

Here's what the FDIC is, and what it means for you

Decades ago, the currency system of the United States was backed by actual tangible deposits of gold and silver bullion. At any time, paper currency could be exchanged for an equivalent amount of metal at any federal reserve banking institution.

However, over time and as the public’s faith in the strength of the United States government increased, the number of exchanges decreased to an insignificant level. This led to the removal of the exchange rights of currency holders, and the introduction of a new potential concern; what if the banking institution holding a person’s deposits becomes insolvent?

Tuesday, September 08, 2009

Problems With Fixed Index Annuities

Know your contract to avoid purchasing a product that's not suitable

Nonwarit/iStock/Getty Images
Many retirement investors have been attracted to fixed index annuities, sometimes also referred to as equity indexed annuities.

On the surface, these retirement products sound almost too good to be true, but they are a powerful investment vehicle for moderate consumers. However, anytime a guarantee is associated with an investment account, there are bound to be significant potential complications and additional expenses.

Thursday, September 03, 2009

Can You Have More Than One Life Insurance Policy?

Purchasing more than one life insurance policy is actually a very common strategy

Life insurance is one of the most powerful types of insurance policies a person can own. Unfortunately, deciphering these contracts is not always easy, nor is there a readily accessible database or collection of insurance laws that encompasses every state. This has led to a high degree of misinformation and many misconceptions regarding who can purchase life insurance, and what types and amounts are permitted.

Wednesday, September 02, 2009

How Often Does the Government Make New Money?

How often paper bills need to be replaced depends on the denomination

StockMonkeys.com
United States paper money is one of the most sought after and highly valued forms of currency in the world. Many countries outside the United States use this money as their own national standard, and almost every nation will accept U.S. dollars.

When this is combined with the fact that paper money has a limited lifespan, it becomes clear that the United States has a significant need to continue printing paper currency in extremely large amounts on a regular basis.

Tuesday, September 01, 2009

Factors Affecting the Growth of Fast Food Companies

Behind the burgers, fast food companies are just like any other business operation

matthewennisphotography/iStock/Getty Images
Countless factors may affect the success of a fast food restaurant. Everything from the specific type of establishment to the size of the building and local community demographics can have a dramatic effect on a fast food establishment.

Significant research and effort may be required to strengthen the business and increase profits.

Sunday, August 30, 2009

What is Tax Qualified Money?

Knowing the difference between qualified and non-qualified retirement contributions is essential to maximizing your savings in the long run

funstock/iStock/Getty Images
There are two different types of retirement accounts: qualified and non-qualified. Knowing the differences between the two can help when evaluating sound retirement planning methods and asset allocation tactics, as well as calculating tax planning strategies.

Whether a retirement account is qualified or non-qualified will influence the owner’s choice of the withdrawal amounts and the schedule of those payments.

How Much Nicotine Is in One Cigarette?

Although there are dozens of cigarette manufacturers, each one with multiple products, almost all cigarettes are produced in the same way. Since most cigarette companies use similar methods, cigarettes affect people in nearly identical ways regardless of the specific company that manufactured them. This is especially true with nicotine.
Stockbyte/Stockbyte/Getty Images

Thursday, August 27, 2009

What Is Series 7?

Series 7 is the most common individual license in the investment industry

The Series 7 is perhaps the most common individual license in the investment industry. The formal name for this license is the General Securities Representative Examination. It is a very versatile certificate that allows its holders to conduct multiple types of transactions across countless product lines. These types of licenses are regulated at the federal level and are strictly monitored for compliance with various types of legislation regarding conduct of the license holders.

Series 7 License Education Requirements

All Series 7 reps must maintain at least a minimum level of continuing education

The Series 7, formally known as the General Securities Representative License, is the most common license in the investment industry. The Financial Industry Regulatory Authority, or FINRA, oversees license holders and is responsible for monitoring and regulating their conduct, as well as ensuring that proper industry education guidelines are met.

All Series 7 representatives are required to maintain at least a minimum level of continuing education to stay current with changes in products, services and legislation that directly affects their ability to conduct business and service the needs of clients.

Thursday, August 20, 2009

What Is a Group Annuity 401(k)?

Many employers offer 401(k) retirement plans that are actually within group annuities. To most employees, there is little distinction made between a retirement platform of this type versus a 401(k) held at a mutual fund company.

Although the differences may be small, it is important for employees to understand which type of plan they have in order to take full advantage of their plan's features.

Tuesday, August 04, 2009

Ways to Sell Group Health Insurance

Being a group health insurance broker can be a very rewarding and lucrative specialization. Health insurance is a major area of concern for business owners, so a broker with the ability to handle their needs and their accounts makes him an indispensable ally.

Unlike other areas of the insurance industry, commissions on group health-insurance sales are paid on an "as earned" basis. Every month, when a business owner pays his group health-insurance premium, the broker collects a commission. The result is a relatively predictable income stream for the broker.

How to Set Up Outlook Email on a Samsung BlackJack

Article originally published on Ehow
08/04/2009

View original HERE

Why Do Insurance Companies Test Blood & Urine?

Nearly every major life insurance company in the United States requires some sort of medical examination or evaluation for all new applicants, especially when the requested death benefit is above a certain threshold. Many insurance applicants are uncomfortable with this aspect of the life insurance acquisition process and do not understand the need for such an examination.

Monday, July 27, 2009

Cancer Insurance Plans

Specialized cancer insurance plans pay for portions of treatment that major medical insurance does not

Since the percentage of Americans who will someday be diagnosed with a form of cancer continues to rise each year, the potential for financial disaster can only rise right alongside it.

A properly structured cancer insurance policy can be a true life-saver for those people diagnosed suddenly and for those people without enough cash or credit to cover the portion of treatment expenses not paid by major medical insurance policies.

What Is Managed Care Health Insurance?

The managed care system is intended to reduce wasteful spending while ensuring proper care

Source: StockMonkeys.com
Managed care health insurance is designed to reduce the amount of time wasted on frivolous issues, and the unnecessary expenditures by insurance companies to physicians treating hypochondriacs.

Insurance companies have created their own internal networks of physicians who have agreed to provide services to covered members at an acceptable rate. By participating in such a network, a provider gains significantly more exposure to potential new patients than if she chooses to work outside the insurance network.

Sunday, July 26, 2009

Definition of PPO Health Insurance

A PPO is another type of managed health insurance plan, similar to an HMO but with more flexible benefits

Source: StockMonkeys.com
Many Americans covered by private medical insurance are members of managed care networks. There are two basic types of managed care plans: HMOs and PPOs.

However, most people are under-informed about the differences between these two types of insurance plans, causing them to choose a plan that is not their best option.

Becoming familiar with the features of a managed care insurance will allow for better decisions and more efficient use of time and money.

Wednesday, July 22, 2009

What Is Life Insurance Cash Surrender Value?

Your policy's cash value is not the same as its surrender value

One of the most important features of permanent life insurance is its cash value. Many people who purchase permanent life insurance are unaware of the cash value, partly because it is slow to grow into a substantial amount.

However, in some cases, cash values that accumulates is large enough to use as additional leverage for more advanced purposes. Unfortunately, the general public is grossly under-informed as to the potential consequences of mishandling this money.

Explanation of Disability Insurance

Disability insurance pays while you recover from a serious injury

Perhaps one of the most overlooked and undersold types of insurance is disability insurance. Most people do not realize that their likelihood of sustaining a substantial injury is high. The average length of time an adult is unable to work due to a disability is 3 to 5 months.

Unfortunately, the number of Americans living paycheck to paycheck is growing at an ever-increasing rate, and these people are most susceptible to the severe negative impact of an injury.

This issue is even more relevant in the case of injuries that occur outside the workplace (due to the absence of worker’s compensation coverage).

Thursday, July 16, 2009

How to Compare Medical Insurance Plans

Know the differences between health plans to avoid confusion and delays

Source: TaxCredits.net
In the United States, most health insurance plans are one of two types: HMOs or PPOs. These are often called “managed care” plans.

When evaluating plans offered by your employer, or when searching for an individual health insurance plan, it is essential that you understand the differences between these two types of programs. Understanding the plan’s features and choosing the right one for your situation will ensure you receive faster service without the headaches that come from a misunderstanding of your benefits.

Wednesday, July 15, 2009

How to Get Guaranteed Acceptance Life Insurance

It's possible to get life insurance even if you're sick, dying, or simply afraid of doctors

For many people, getting life insurance is a difficult and daunting task. Because life insurance companies are extremely analytical and very concerned with their potential financial risk, people with serious medical conditions are often forced to pay significantly higher premiums than their healthier peers, if they are even approved for coverage at all.

This fact has led many people to seek out alternatives to traditionally underwritten life insurance, namely guaranteed acceptance life insurance (GALI). Dozens of companies exist whose sole business is providing life insurance to those individuals who cannot obtain it through traditional means.

These companies make it much easier to purchase life insurance because they do not ask many medical questions, and there is never a physical medical exam required.

How to Make Money Selling Life Insurance

Becoming a life insurance agent can be a very lucrative career choice. There is an endless need for life insurance, and commissions from the sale of insurance policies are extremely generous. Additionally, the insurance industry is one of only a small handful that continues to pay salespeople long after the initial transaction. Successful life insurance agents have no limit to their income, and can earn a substantial amount of residual income once a client base is established.

How to Sell Life Insurance Over the Phone

Selling life insurance is extremely difficult for the large majority of agents. The biggest challenge faced by most agents is a lack of new prospects. Prospecting is the most important aspect of an insurance agent’s success, and finding the most efficient and economical method of getting in touch with potential new clients is essential. Considering all the different types of prospecting and their cost versus benefit ratios, telemarketing is still the most cost-efficient means of obtaining new customers.

How to Get Life Insurance at Age 40 With No Health Questions

Article originally published on Ehow Money
07/15/2009

View original HERE

Help With Financial Planning

Not all financial planners are the same


Source: StartupStockPhotos.com
If you're considering using the services of a professional financial adviser, you should be familiar with the basic steps of the financial planning process and know how to evaluate an industry professional to determine if his services are appropriate for you.

By recognizing the methodology used by financial professionals, you will be better able to evaluate your adviser’s performance or more easily select a new representative.

Business Health Insurance Requirements

If you're a small business owner, you need to know what qualifies as a "group"

Source: StockMonkeys
There are many misconceptions regarding what qualifies as a “group” with regard to health insurance. Companies that would technically be able to apply for group benefits fail to do so simply because they are under the mistaken impression that their business is ineligible. Conversely, many companies apply for group health insurance plans and are denied coverage because they fail to meet the minimum requirements set by the carriers.

Friday, July 10, 2009

How Much Does an Insurance Agent Make?

Source: TaxCredits.net
Anyone considering a career as an insurance agent or broker should be extremely cautious and take the time to evaluate the pros and cons of the job. It takes a great deal of time and effort to earn realistic pay as an insurance producer, and only a small percentage of people who begin actually stay the course.

Thursday, June 25, 2009

FDIC: What Is Deposit Insurance?

Money in the bank is protected by a special insurance program

Source: Tax Credits
The days when people paid for everything in cash are long gone. Cash is fast becoming a thing of the past, being replaced with credit and debit cards, wire transfers, and online payment systems.

For this reason, the bulk of the average person’s financial assets rest with his local bank or credit union. With direct deposit of paychecks and a debit card, there is almost no need for people to carry cash at all.

The sense of security that exists when people know their money is in the bank has rarely been questioned or even considered for decades. This is because government systems are in place to protect and insure money held with such financial institutions.

How Do Insurance Companies Make Money on Annuities?

Annuities are one of the most powerful retirement products a person can own. Multiple types of annuities exist, each with different features, goals, pros and cons.

Source: Tax Credits
Members of the Baby Boomer generation total 79 million, and retire by the thousands every month, most with existing retirement assets that need to be transferred or managed in some way. The collective investable assets of the Boomers total approximately $8.5 trillion, making this a desirable target market for insurance companies and other retirement services providers.