Article originally published on eHow Money
12/30/2009
View original HERE
Wednesday, December 30, 2009
Tuesday, December 29, 2009
Saturday, December 26, 2009
Thursday, December 24, 2009
Wednesday, December 23, 2009
Tuesday, December 22, 2009
Monday, December 21, 2009
How to Fire a Safety Manager
Article originally published on eHow Money
12/21/2009
View original HERE
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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
12/21/2009
View original HERE
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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 Finance an Insurance Book of Business
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| Source: TaxCredits.net |
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
Saturday, December 12, 2009
Friday, December 04, 2009
Thursday, December 03, 2009
How to Produce Your Own Life Insurance Mailer
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| Photo by DodgertonSkillhause at Morguefile.com |
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 Withdraw Cash Value From a Life Insurance Policy
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| Source: TaxCredits.net |
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 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
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 Estimate the Cash Surrender Value of Prudential Life Insurance Policies
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
Wednesday, November 18, 2009
Saturday, November 14, 2009
Friday, November 13, 2009
Tuesday, November 03, 2009
Tuesday, October 27, 2009
Fixed & Variable Annuities vs. Mutual Funds -- Quick & Dirty
Annuities and mutual funds may offer similar investment options, but they are definitely not the same
Annuities and mutual funds often work in similar ways and can provide similar benefits. However, because of their similarities, there are many instances where the two can be confused.
Saturday, October 24, 2009
Tuesday, October 20, 2009
Monday, October 12, 2009
What Are the Functions of Insurance?
Saturday, October 10, 2009
What Are the Benefits of Insurance?
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| Source: StockMonkeys |
Friday, October 09, 2009
Information About Health Insurance
Make sure you understand how your health insurance works!
FUNCTION
Wednesday, October 07, 2009
Tuesday, October 06, 2009
Monday, October 05, 2009
Sunday, October 04, 2009
Wednesday, September 30, 2009
Tuesday, September 29, 2009
How Are Withdrawals From a Deferred Annuity Taxed?
Taxation of annuity withdrawals depends on whether the annuity is qualified or non-qualified
The Basics
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.
Monday, September 28, 2009
Sunday, September 20, 2009
Saturday, September 19, 2009
Friday, September 18, 2009
Wednesday, September 16, 2009
Tuesday, September 15, 2009
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.
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
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
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?
Thursday, September 10, 2009
Life Insurance Definition of "Dependent"
An insurance company's definition of "dependent" may not be exactly what you think
One of the common contract definitions that is often a source of confusion is that of the policy owner’s Dependents. Far too many people are mistaken about the specific definition of a Dependent, and fail to verify the accuracy of their assumptions.
By ensuring proper comprehension of a Dependent, the owner can make educated decisions to most securely protect the entire family.
Wednesday, September 09, 2009
Lump Sum Vs. Annuity Settlements
Carefully consider the potential ramifications of the various annuity payout options available to you before making a decision that affects the rest of your life
Annuity payments are a very common method of transferring large sums of money to a recipient over the course of time. These types of structured settlements are often in the best interests of both parties.
The payor is not required to produce a large lump sum of money at one time, and the payee receives the benefits of a guaranteed stream of predictable recurring payments. Many individuals choose to have their retirement funds paid to them in the form of annuity payments; traditional pension plan payments to retired workers are a form of annuity payments.
Many lawsuit payouts are in the form of annuity payments.
Tuesday, September 08, 2009
Problems With Fixed Index Annuities
Know your contract to avoid purchasing a product that's not suitable
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| Nonwarit/iStock/Getty Images |
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
Wednesday, September 02, 2009
How Often Does the Government Make New Money?
How often paper bills need to be replaced depends on the denomination
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| StockMonkeys.com |
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
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| matthewennisphotography/iStock/Getty Images |
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
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| funstock/iStock/Getty Images |
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.
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| Stockbyte/Stockbyte/Getty Images |
Thursday, August 27, 2009
What Is Series 7?
Series 7 is the most common individual license in the investment industry
Series 7 License Education Requirements
All Series 7 reps must maintain at least a minimum level of continuing education
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.
Monday, August 24, 2009
Deductibles to Health Plans
Be careful when choosing the deductible for your health insurance plan, as this additional amount must be paid first before benefits actually kick in
Many of the group health insurance plans found in today’s workplace are filled with features designed to reduce the cost of the policies, while at the same time providing appropriate coverage for most foreseeable medical necessities.
One of the most common ways of reducing the monthly cost of such insurance is to require the insured members to fulfill a deductible, or specified payment amount, before the insurance carrier will pick up the remainder of the service cost.
Thursday, August 20, 2009
What Is a Group Annuity 401(k)?
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.
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.
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
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
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| Source: StockMonkeys.com |
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
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| Source: StockMonkeys.com |
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
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
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
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| Source: TaxCredits.net |
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
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.
Help With Financial Planning
Not all financial planners are the same
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| Source: StartupStockPhotos.com |
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"
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| Source: StockMonkeys |
Friday, July 10, 2009
How Much Does an Insurance Agent Make?
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| Source: TaxCredits.net |
Thursday, June 25, 2009
FDIC: What Is Deposit Insurance?
Money in the bank is protected by a special insurance program
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| Source: Tax Credits |
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?
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| Source: Tax Credits |
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