Learn Auto Insurance and Its Uses

Are you confused about all the details in your auto contract and want to learn auto insurance? Here are some easy-to-understand, simple and time-saving ways to learn. Try these and you will be educated regarding an important issue of your budget.

Below are some stepwise instructions which will guide you:

1. First and fore mostly refer the Insurance Information Institute which is available at the website www. Iii. Org. This is fully dedicated site to learn about auto insurance. Learn some key terms, coverage and recent news updates.

2. Secondly visit the library and get hold of thin insurance books. Study about various coverages like collision or comprehensive. You will a lot of information regarding a vehicle hit or fire damage.

3. Refer your auto policy contract. Study the definition section which will be given in an index form regarding all the key terms. Learn them and correspondingly preview the items in your contract. In the process you will be very knowledgeable about auto insurance.

4. Then take suggestions from an experienced person who either has faced an accident himself or knows such a person. These guys will be able to help with you real problems and their solutions like handling a claim with the respective coverages.

5. Lastly approach your agent. Surrender completely about your ignorance regarding auto insurance whereas you are aware of some facts. This will help you to judge your agent, whether he is fooling you. Make it clear that you want complete cooperation along with all the information. Ask questions about points like coverages, medical payments, PIP, liability coverage. Otherwise you will be bound to pass over to other agents.

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How To Make A Deceitful Insurance Agent Email Blasting Service

Of course the Emailing option sounds better. Instant response, fast contracting, and quick sales add points to the emailing option. Let’s delve into why the quick patch to the high up sales kingdom does not and can not work.

Here’s what the email blast firm absolutely does not want you to know.

The Email Company does not have a 250,000 investment. The amount is often closer to $20,000. Quite a difference was possible just by applying a couple cheap and deceitful tricks. Only 8 to 12 sales for them and from then on its all profit. Sounds like, “How to Get Rich Quick 101″.

There are 2 essential programs the company needs. These 2 easy to obtain programs are a bulk email letter builder with fast emailing capacity, and an email extractor program. A high end quality emailing outgoing message program can be obtained on the internet for a cost of $5,495.00. A top of the line email extractor program varies, but costs much less. Lastly private SMTP hosting servers are purchased. These assist in trying to avoid being caught for spamming.

The firm falsely promotes the email blasting list as an opt-in list of insurance agents. The truth is that the list is not 100,000 insurance agents ready to receive your message. Instead it is composed of 10,000 to 14,000 licensed insurance agents, with all types of licenses have not opted to receive solicitations. The rest include insurance companies, insurance company employees, property and casualty agents, insurance adjusters, insurance software companies and their employees, insurance magazine staff members, insurance book sellers, and the email address of anyone anyway showing on an insurance related website.

All these email names and addresses are intentionally and incorrectly assumed to be insurance agents you are seeking.

For under $500 can even develop a similar “insurance agent” email list yourself. Searching the internet you can purchase 2 inexpensive bulk “all purpose email programs” You plunk down $199.95, receiving an Email Address Extractor, Email Address Spider, Mailing List remover, and more, Next you purchase the anti-extractor for $39.00 . It uses your recipient’s mail server without your ISP (Internet Service Provider) to a relay SMTP server. In addition, add $249.00 for two months of technical support. If you are caught spamming using your internet service provider, or are traced, you face possible fines. Much worse, your web host will likely without warning, permanently remove your web site overnight.

There are two optional ways of extracting insurance agent emails.

Email extractor software, once programmed properly will run 24/7, but requires ample of disk space. The first method involves using domain names (names of websites). A word like insurance is keyed in. The program starts immediately searching for any and all website url addresses containing the word insurance. The program spider crawls the site extracting every email address it finds, plus if requested it spiders all the link sites looking for more emails addresses. This is a computer program, not an intelligent human brain. It is only you that assumes that all email addresses found are those of actual life and health insurance agents. The program will run nonstop until you decide you have procured enough emails.

With the second method, a search term or phrase such as “insurance agents” and then picking a search engine like Google. Google shows 7,000,000 matching pages (yes that number is correct -check it). In website ranking order, Google starts pulling every email addresses found in the website. Like the other url method it uses the same extraction process. But this method starts with the top listed sites first. In the top 60 Google website listings we found insurance company home offices, insurance associations, and only 6 possible life agents/agencies. The percentage rate of finding life/health insurance emails improved, but accuracy remained astonishingly low.

When the email list company has an “insurance agent” email list becomes outdated. they simply start the extracting process over again. Wham! A new bulk insurance agent email list is born, ready for more profits and emailing blasting.

It is not uncommon for “insurance agent” recipients of bulk email blasting to receive a hundred insurance advertising offers every few weeks. Some internet service providers (MSN, AOL, etc) automatically blocks out any emails using spam blocker words like “free, $, click here”. Other annoyed agents, add their own blocker words, like “insurance”, “life”, and “annuity” .to stop the onslaught of insurance email blasting from reaching them. Detailed studies show over 65% of all bulk email messages actually reaching the email recipient are being “deleted” before read.

Assume that every possible method was used by a honest firm to hand compile a fairly accurate list of annuity, life, and health agents. Out of 1,500,000 new and experienced life and health agents nationwide the number would stop around 250,000. Now try to find that honest firm.

Don Yerke is the marketing adviser at Agents Insurance Marketing USA, Inc. with a 150 page website at [http://www.agentsinsurancemarketing.com] We are the premier direct marketing firm for providing refined lists of Department of Insurance agent names. Tips, secrets, advice, and intense research make this web site unique.The site is crammed with articles benefiting insurance agents, marketers, recruiters and sales letter writers. All of our information is Free. Even our enormous listing of power words and power word phrases is the largest on the internet, designed to assist writers and speakers of all sorts for free.

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Insurance Marketing in a Down Economy? Big Mistake Insurance Agents Make During a Recession Part 1

Can Insurance agents Really Thrive In A Down Economy? The answer just may surprise you.

I was on the doing a paid phone consultation with one of my insurance agent clients the other day and we were talking about his insurance marketing when he told me- I always gain market share during a downturn in the economy.

I know, I know, go ahead and close your mouth before a fly goes in it. Does this guy have a magical insurance marketing machine that gives him the power to grow his insurance agency regardless of the economy? The answer is yes, but that is not what I want to talk to you about today.

I want to talk with you about this very important TRUTH. This guy has it right. Because A recession is not a time to panic, it is a time to advance your business.

If you want To use insurance marketing to Recession Proof Your Insurance book then the very first and foremost thing you must do is to have the proper mindset.

So the first mistake most insurance agents make is they do not realize that a recession is a normal business cycle.

The impending recession is not the first nor will it be the last one. But you must approach your insurance marketing with the mindset that sees that a recession is like a fire that starts small and grows or can be immediately extinguished or at least kept contained depending on several factors. And you can use your insurance marketing to offset some of those factors.

Think about this: All fires need oxygen to burn. And with every recession the media provides the oxygen to try to build the recessionary thinking, or in other words, the fire, that your scared client will feed on. So The more your client listens to the media the more they will believe the recession is impacting their lives and act accordingly. This is basic herd mentality that is a strong governing psychological trigger. You have to be smart enough to recognize that the media has an agenda when they fan the flames of the recession type of thinking.

So what can you do about it? You insurance marketing can do a lot. For example, be the person who is out there looking for positive things going on in the economy and share that information with your insureds. It is called being a good news merchant. Local information is most effective because that will resonate better with your clients.

But unfortunately along with the number one worst mistake most agents make in dealing with a recession, they also are quick to jump on board with the media and start spewing all the negativism associated with a recession.

Why is it critically important that you NOT follow this path? Because of this truth.

Most people including your clients are walking around looking for someone to lead them, to show them the way. And YOU must be the strong, loving hand they are seeking in a difficult time. And you communicate this via your insurance marketing.

Now, I am not saying that you have to be a Pollyanna everything is fine as long as you have a positive attitude. I am not saying that the recession is not real.

I am not a proponent of sticking my head in the sand and pretending that there are no concerns. Hogwash. There are some real concerns, but what I am saying is that the issues will not and should not negatively impact an insurance agency unless you choose not to effectively use your insurance marketing to communicate a counter balancing findings of good things going on in the economy and spreading the good news. Otherwise you are simply allowing your clients to believe and think that all there is going on in the world is the negative economic things spewed by the sensationalism driven media. You must focus your insurance marketing to not allow that to happen.

The reality is that people do not like to live in fear. They want confidence in the future, and they will be attracted to your insurance marketing if you show that confidence. In fact, the very fact that there is a recession coming when properly positioned should fuel an insurance agents growth in several ways.

I will cover mistakes 2 and 3 in Part 2 and Part 3 of this 3 part series.

By the way, feel free to pass this article along to other readers including portions of the article can be used in your agency newsletter to help educate your clients.

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Buy Travel Insurance Online

If you’re planning a trip away, whether it’s for business or for pleasure, you need to be sure that you have the right insurance cover in case anything happens while you are away.

Arranging travel insurance used to be an expensive and frustrating process; however, like many other kinds of insurance, you can get travel insurance quotes, and arrange your coverage all online.

Different holidays and trips will require different kinds of cover. Most websites will have tick boxes or drop down menus for options when it comes to coverage, meaning you can customize your quote completely with nothing more than a few clicks of a mouse!

Your quote will be based on the number of people you require cover for. Many sites will offer free child travel insurance, but there is usually terms and conditions that apply to this free offer, so be sure to find out what you need to qualify for free insurance for your children.

Your quote will also be based on your age, as well as where in the world you are traveling to. Some insurers will not provide insurance for trips to countries that the Foreign and Commonwealth Office have advised against traveling to.

Buy having travel insurance, you can be sure that you and your family will get the cover you need for any accidents or illnesses that may occur on your trip, and will ensure you get the treatment you need, no matter where in the world you are.

You can get additional extras for your insurance, such as baggage cover, and winter sports cover, for those that love to ski and snowboard. If you are backpacking, you will need to mention this in your enquiry, as this requires specialised insurance. You can often get cancellation protection on your holiday down payment, and this extra can also be purchased with some travel insurance providers.

If you think you will only be looking at taking one trip this year, with the family finances being a little tight, then purchase single trip travel insurance. Many sites will provide a discount for purchasing this kind of insurance online, however many online quotes are discounted anyway, making sure you’re always getting a great deal online.

Once your travel insurance booking has been organized, your documents will arrive in the post. Be sure to keep these safe, and to read the small print to be completely aware of what you and your family are covered for.

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Know the Benefits of Group Travel Insurance Policies

Traveling itself is enjoyable and if it’s a trip with friends or a huge group of people, it adds more fun to it. But, you need travel insurance for that too. Instead of getting each member insured individually, you can avail a group insurance. Group insurance is the kind of insurance that covers the entire group you are in. So, if you opt for group travel insurance, you are assured that everyone in the group is insured and is safe from any kind of mishaps if happens to anyone in the journey.

When you are getting group travel insurance, you can get it from online or through direct travel insurance booking from the company itself. This can help you get the best and the cheapest deal in the market.

Things covered

Group insurance provides a 185 days of cover along with other benefits like:

- Cancellation cover
- Personal accident cover
- Inclusive business travel insurance cover
- Emergency medical assistance 24 hours a day, 365 days a year
- Pre-medical expenses covered

Buying individual cover for each and everyone in the group can be burdensome and may involve a lot of paperwork. So, such insurances can be good idea to save time as well as money.


- It covers your luggage or personal belongings and you get paid back if these are lost.
- When you are traveling in a group, getting such an insurance is a good idea as buying in bulk can be cheaper than individual insurances.
- You and your group get paid back if the trip gets canceled before it kicks off.
- It covers any kind of medical or illness expenses. That means if anyone in the group gets sick or hurt, you will get the medical expenses covered.
- Everyone in the group is covered in the same way and in the same price irrespective of age, gender, race, etc.
- Business companies can go for group insurance which covers the employees traveling. Business group travel insurance also cover things like missed meetings, equipments and other necessary reimbursements.

Direct travel insurance-the way to cheap policy

If you buy an insurance online, you are likely to get them at cheaper rates because insurances available online are directly offered by the insurance providers. You will get the names of providers who offer direct insurance without the retail outlets or travel agents in between. There are different policies offered by different insurers but when you buy it you must check out the policy to cover your needs because there is a big difference between the cost of the cover and what is covered.

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Top 4 Ways the Insurance Adjuster Is Like a Used Car Salesperson

Everyone knows the stereotypical tactics a used car salesperson employs to “seal the deal” and knows it is wise to count their fingers after shaking hands with a used car salesperson but these same used car salesperson savvy people commonly fall victim to the tactics of the Insurance Company Adjuster. Maybe it is because the Insurance Adjuster visits these people when these people are in duress or maybe the Insurance Company’s PR Campaign to promote a “Good Guy” image is working, but, whatever the reason, consumers seem unable to evaluate the Insurance Adjustor with the same level of scrutiny they would when dealing with a used car salesperson and routinely fall victim to the same questionable tactics of a used car salesperson.

Enough is enough. As a public service we will expose these tactics and fully illuminate how the Insurance Adjuster is like a Used Car Salesperson.

1. Corporate Sleaze

The feigned smile, the clearance rack suits, and the trapped-in-flypaper like feeling you get when these people come out of the wood work and act like your best friend in order to close the deal but disappear forever, or at least until the next sale, when the deal is sealed. They deploy the best psychology their marketing department could afford in order to uncover whatever little piece of information they can use to bully the customer into their predetermined outcome.

Likewise, the polished “All American” and “Good Guy” image is a commodity the Insurance Companies spend millions of dollars on to create and promote. This corporate crafted image exists and is relentlessly promoted so that the consumer will set aside their fears, concerns, and doubts when the “good knight” Insurance Adjuster arrives to right the wrong. Every aspect of this image is carefully crafted in order to circumvent the consumer’s intelligent objections and concerns. The mighty Adjuster will take care of everything but needs to know what they are dealing with and will subtly psychologically manipulate the consumer for any information they can use to deny or reduce the claim.

2. Devaluation

When taking an auto in on trade, the used car salesperson is required to do a walk around evaluation in front of the owner(s). The purpose of this “evaluation” is to point out every ding and scratch to the owner(s) in order to cast doubt in the owner’s mind concerning the real value of the trade. The industry knows that most people are fair in general and use this tactic to psychologically entice the owner to devalue their trade so that when offered less than stated or expected, the owner(s) will not argue.

Equally, the Adjuster is looking around for, and will point out, any delayed maintenance, any possible exclusionary cause or catalyst, or for any item or information they can use to bully the homeowner into accepting more liability for their loss.

3. Sociopathic Personality

In the eyes of a used car salesperson, the consumer is nothing more than a temporary barrier to their commission. They will tell any lie, misrepresent any fact, and take whatever time necessary to dissolve that barrier but all of the verbal promises, stories, and representations are lost at signing to the point the used car salesperson will deny making such claim or will do their best to spin such claim towards whatever way required to dissolve any responsibility or conflict. There is no remorse, no humanity, and no responsibility as whatever action, statement, or enticement is merely a means to my commission.

Similarly, in the eyes of the Insurance Adjuster, the in duress consumer is simply another commissionable opportunity. The Adjuster is a master appraiser and knows the true value of the damage the consumer has suffered and this is the starting point from which the Adjuster begins to shave off costs and liability from. A good portion of the Adjuster’s annual pay is derived from the amount of money they cheat the consumer out of so the Adjuster has no remorse and feels no responsibility for whatever the Adjuster says or does in order to prevent the consumer from getting that money.

4. By the Numbers Predictable Defense

In the event that the used car salesperson is going to be held accountable for some action, they predictably try every measure possible to offset any responsibility or liability for whatever they are being held accountable for. Such elementary defensive tactics are well-known and are easy to overcome due to their widespread and predictable use.

In the same way, the Insurance Adjuster’s delay and denial tactics are so well-known that books have been written on them. Such books are easy to find when searching the Internet for “Bad Faith Insurance Books” and the Adjuster’s follow the enumerated steps, seemingly and laughably, religiously.

You wouldn’t fall victim to these tactics when deployed by a used car salesperson so why fall victim to them when used by an Insurance Adjuster?

Don’t be a victim.

It’s your money.

It’s your choice.

Choose Wisely

Choose a customer focused, independent emergency restoration company.

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Do People Over 60 Need Life Insurance?

Life insurance is a financial safety net designed for people who provide, in one way or another, for their families. The main purpose of insurance is to offer financial support to the beneficiaries in case something tragic happens to the insured. Thus, insurance is for breadwinners and for stay at home moms whose absence would be felt under the form of financial instability and difficulty, among others. Recently, the topic of insurance for seniors has reached its peak. The insurance industry created policies to meet all needs and expectations for numerous age groups – seniors included. But does an elderly citizen actually need life insurance coverage?

“The younger you are when you purchase insurance, the smaller will the rates be.” – If the insurance industry would be a song, this is the closest to the chorus you can get. Insurance rates are calculated based on information such as gender, age and overall health condition. As you grow older, an insurance policy becomes more and more expensive, and numerous companies don’t even issue protection to seniors who passed 60. Why? Because along with a senior policyholder comes a high risk for the carrier. The insurance company risks financial loss and prefers to avoid it (in most cases), or make up for it using extremely expensive rates.

Insurance options for seniors mostly gravitate around term insurance policies – both standard and no-exam. No-exam insurance is for seniors who have already contacted an illness which may interfere with purchasing insurance. Guaranteed acceptance policies offer the perks of standard term life at an exhilarating price, and the protection kicks in after about 2 years of rate-paying fun.

But do seniors really need insurance? Most people stop providing for their families around age 65, and therefore naturally they wouldn’t need something to provide in their stead anymore. Most elderly citizens don’t actually need such protection. There are exceptions, though. If the senior still represents a major source of income for his family or if his spouse couldn’t financially manage without him, insurance may represent a good option.

If you or an elderly loved one is set on buying insurance, book an appointment with a licensed independent insurance broker or agent. Independent because you need unbiased professional assistance. Having someone who knows the insurance world by your side is essential, as senior citizens can easily become the subject of insurance fraud. Check the references and the background of the insurance agent and make sure you have good chemistry. With him by your side your pursuit of quality senior insurance can be eased.

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