insurance 2020

How to Motivate Yourself and Increase Sales Success Getting motivated can sometimes be one of the biggest barriers between you and the success that you want to experience. And while motivation comes easily for some sales agents, it may not come as easy for others. That's why you might have to work a little harder to motivate yourself to increase the number of sales you have under your belt. If motivation doesn't come naturally to you, here are a few effective strategies you can employ in your daily life to get past those things that are standing between you and increased sales success. Get your family and friends involved. One of the biggest motivators is telling others about your goals and your plans for achieving those goals. This is for a couple reasons. For one thing, telling others about your goals helps you visualize those goals and helps you get excited about them. But telling your family and friends about your sales goals keeps you accountable. Make sure you keep th

Georgia Health Insurance Exchanges' Bleak Future Last January, the Georgia General Assembly decided it will not implement any bill that will set up a health insurance exchange in their state. This announced decision surprised a lot of Georgians. Last December, an advisory committee appointed by Gov. Nathan Deal, recommended that an online health insurance exchange should be created for individuals and small businesses. Why Did Georgia Change Its Mind? According to Deal's spokesman, Brian Robinson, the Governor wanted to wait for the decision of the Supreme Court about the health care reform law whether it will be overturned or not. The Patient Protection and Affordable Care Act of President Obama mandates that by 2014 every state in America should have their own health insurance exchange running. This exchange will be a marketplace where individuals and small businesses will be given the chance to shop for affordable Georgia health insurance plans. If the state fails to d

Could Insurers Be Planning to Exploit Facebook to Tailor Their Premiums? A lot has been said by and about the insurance sector when it comes to personal injury and increased policy prices. With this year showing a staggering increase in third-party claims they were quick to shift the majority of the blame on to claims management companies forcing the hand of people, without acknowledging the fact that they too were contacting accident victims and encouraging them to pursue a claims illicitly. But after reading a piece in the most recent publication of the Post Magazine it would seem the means that insurers are perhaps prepared to go to in order to raise their incomes could be about to rise to a whole new level. The article called 'Facebook is your Friend', discusses the impact that social media has already had on the insurance sector, describing that it has enabled insurers to discover more about the risk profiles of their potential consumers. But the main focus of the art

Commercial Insurance Helps Pay For The Catastrophe Clean Up Commercial insurance policies provide cover for buildings and property against all kinds of perils, but it is important to consider what it would cost to get your buildings reinstated following a total loss catastrophe such as a fire or major flood, and to ensure that your business insurance policy contains provisions to cover all the costs of  reinstatement expenses. If you under-estimate the total rebuilding costs of your commercial premises when initially applying for cover, then following any future claim, any payouts agreed will be subject to reductions by what is called 'average'. Average will reduce the claim payout proportionally by the amount of under-insurance of the declared value from the actual current rebuilding costs. For example if your premises costs 150,000 to rebuild and you have declared the sum insured at 120,000, your claim will be reduced by a fifth. If allowances are not made for all the c

Divorce Prophylactics Are wedding bells about to ring in your future? Don't let bats get into your belfry. Now is the time to take out an insurance policy. You need to protect yourself against the risk of divorce. Yes, I really am urging you to consider asking your lover to sign a pre-nuptial agreement with you. Oh, sure, I can hear your moans even now as I write this. "Pre-nups? They're the anti-Viagra for true love!" "How can I ask my soulmate to sign an agreement that says I really don't trust her? Or worse yet, doesn't that say that I really don't trust myself?" "If I did ask him, he'd probably call off the marriage." And the lamest wail of all is: "I can't afford to hire an attorney for that! We're spending a fortune already on the wedding itself." Now that one-third of all married women earn more than the man of the house, it behooves all parties to marital vows to reconsider their positions on pre-nupti

Get Your Affairs Sorted Sooner And Not Later Death is probably the last thing anyone wants to think about, but it is inevitable. It is therefore vitally important to get life insurance. When your insurance is sorted out you are left with a certain sense of surety that your family will be looked after once you are gone. Life insurance is not difficult to obtain and it is offered by various financial institutions offering various packages and catering to numerous budget brackets. You only need to shop around to find the insurance policy best suited to your needs or offering you the best package according to your requirements. Insurance institutions are thorough when approving life insurance and in most cases it would be required of you to undergo a medical to determine your present state of health. This is key in determining which policy would be better suited to you and will also pre determine more or less the monthly premiums you would have to pay. With today's medical advance

Car Accidents: Defective Auto Parts or Driver Negligence? If you have ever been in a traffic accident or have seen one, you would know how disastrous it can be. Auto parts everywhere, glass shards shining on the concrete and occasional death. There are a number of factors which contribute to the risk of an accident, i.e. vehicle design, speed, road design and environment bust mostly it is driver skill and behaviour. Statistics show that most of the accidents occur due to the driver's negligence than faulty auto parts. The leading 4 causes for accidents due to driver's negligence are: 1. Driving while distracted. Diverting attention towards other things such as cell phones, food, texting while driving is the leading cause of motor accidents in the U.S. 2. Speeding Speed kills. The faster you go, the slower is the reaction time to prevent an accident. 3. Tailgating. Driving impatiently and recklessly and too close to another vehicle is a tested method to get into accide

Missing or Lost Life Insurance Policies Unfortunately it's not an uncommon story; someone pays the required premiums on a life insurance policy for years and neglects, or forgets, to give the policy, or any information about the policy, to the intended beneficiary. The insured person passes, the policy documents can't be found, if the beneficiary even knows about it, and the insurance money is never paid out. And those unpaid life insurance dollars run into the billions! If you think that this is not happening, and you are the beneficiary on a loved one's life insurance policy, just ask yourself these few simple questions: 1. Do you know the details of the policy? 2. Do you know the whereabouts of the policy? 3. If something happened today, would you know where to find the details? If you answered, "no," to any of these questions you've got big gaps in your knowledge which could lead to a real financial tragedy. Further, if you even suspect that you m

Why Insurance Continuing Education Classes Are So Important All insurance and financial professionals are required to take some type of continuing education. Every license and state differ, but agents must keep up to date with current rules, regulations, and new products available to their clients. Online insurance education is one way for an insurance professional to complete their continuing education hours. Many states allow continuing education to be done completely online as opposed to in a classroom. Agents prefer online classes because they are flexible, easy to use, and affordable. They can complete all of the continuing education requirements from anywhere in the world as long as they have an internet connection. If an agent chooses to sit in a classroom they will have to find a local seminar and listen to an instructor for however how many hours the course is worth. Sometimes this could last an entire weekend or more. Continuing education is important for three main reaso

Reasons to Retire in Thailand: Medical Care People come from around the world to be treated (and pampered) in Thailand's hospitals and clinics, and for good reason. Thai doctors, often trained in the West and speaking excellent English, are dedicated to caring for you, not exploiting you. Sure, they lead nice, middle-class lives but, beyond that, their days revolve around their patients. Thailand is a Buddhist country and the practice of compassion is taken seriously by everyone, especially those in the medical profession. A consultation with a Thai doctor is eye-opening. There is usually no waiting time because keeping patients waiting is considered impolite(!) and your physician will spend all the time you feel you need with you, listening to you and examining you slowly and carefully. There's no rush. No attempt to push you out the door. It's like going back in time to the days before medicine became predatory. Thai nurses, who bear the brunt of patient care, are wo