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

By Gregory Gambone
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 Finance an Insurance Book of Business

By Gregory Gambone
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

Saturday, December 12, 2009

Friday, December 04, 2009

Thursday, December 03, 2009

How to Produce Your Own Life Insurance Mailer

By Gregory Gambone
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 Withdraw Cash Value From a Life Insurance Policy

By Gregory Gambone
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 Determine The Face Amount of Life Insurance

By Gregory Gambone
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 Estimate the Cash Surrender Value of Prudential Life Insurance Policies

By Gregory Gambone
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

By Gregory Gambone
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