reinsurance borderaux, ceding details
For each reinsured policy: policy number, insured name, effective date, written premium, earned premium, ceded premium, ceding commission, policy limits, name of coverage, possibly more.
I am on a crusade to help families become properly protected (create an immediate estate) in case of a loved ones untimely death. Of lately, prospects see life insurance as another bill. Although it is; can any life insurance agent please share with me how they get around to making sales in the life insurance industry? Thank you.
You need to ’sell’ them on the benefits, not the product. That’s as simple as it is. You need to focus on what the product does for the family, not what the product is. Focus on the concept and "problem" more than the solution/product. I have a lot of my clients that don’t realize they bought "life insurance"…but they own a pre-paid funeral plan or a pre-paid estate tax plan for example. Don’t get me wrong, when they sign the paperwork they fully understand it’s a life insurance policy, but in their mind they aren’t buying life insurance, they are pre-paying taxes and such.
Life insurance is ALWAYS a tough sell on people though. People will never experience the benefits of insurance becuase the person insured will be dead when the benefits/value is realized. Some people will not see value in insurance and you can’t please everyone, no matter how much you beleive in the cause. Ask them if they own a toilet plunger or a spare tire. Most will say yes. Then ask them if they bought those before they needed it or if they bought it with the intentions of using it immediately. Insurance is like a toilet plunger. You never see the value in it and it just sits there and does nothing until you use it and need it. And when you actually need it, it’s too late to buy it, but you’d likely pay ANY thing to have it.
Where do people get long term care health insurance quotes? I’ve come across many websites but was wondering if anyone has had any particularly good experiences.
Try this site,
http://cheap-health-insurance-usa.info/
Here you can get free quotes from different insures in your area just in one minute, its the best way to find an affordable health insurance with a reliable company.
Best Wishes,
Are Insurance companies able to check your previous driving history – say following a ban, after you have an accident.
Hi – isn’t an MVR related to your vehicle registration? What if you insure another car? Also, wouldn’t that show the accidents you have but not any convictions?
Sorry, you’ve got your information backwards. Most insurance companies will run an MVR (Motor Vehicle Report) on you based on your driver’s license number and they will also run a CLUE report (vehicle history report) on the car based upon the VIN number.
The CLUE will tell them if that particular vehicle was in any accidents, but it may not tell them who owned or insured the vehicle at the time of the accident.
The MVR will show them any traffic violations you have on your driving record. This includes traffic convictions, but not convictions for other offenses, such as assault, breaking and entering, etc.
If your license was suspended due to an accident, or you have any traffic violations due to the accident, the insurance company will find out.
I am applying for personal liabiility insurance for private educational consulting and the application says to make the check out to the broker…that seems weird to me…does anyone know?
Here’s the scoop: If the policy is going through a regular, national carrier such as State Farm, Zurich, Nationwide, etc, you can make the check out to either the broker or the company.
If your policy is being issued through a non-admitted carrier, however, OR if your policy is being financed through a premium finance company, then the company won’t accept the insured’s check – they want the "guaranteed funds" of the broker’s account, so the broker will have to swap checks with you. Then they remit THEIR check, which is actually the money you paid them.
Who pays for the home insurance when you are owner financing it? The seller or the buyer? Also in the state of Texas what insurance companies provide mobile home insurance?
Who’s name is on the title, at the registrar of deeds? Until the title is passed to the buyer, the house is just a RENTAL, and needs to be insured that way. If this is a land contract, the SELLER should keep the policy to 1. make sure it gets paid and 2. make sure they have coverage in place, should the contract revert to rental. The buyer should THEN carry a renters insurance policy.
If the deed is being transferred immediately, then the BUYER gets the policy. Then the seller just has to hope that the policy gets paid.
Most of the time, owner financing is more hassle than it’s worth. If the person isn’t credit worthy enough to secure a mortgage on their own, they’re most likely going to default on YOUR mortgage, also. Then, depending on the condition of the property, you’re left with something basically unsellable.
For mobile home insurance, find an agent that represents Foremost INsurance – www.foremost.com. If the home is more than 20 years old, it’s uninsurable. After 20 years, they depreciate to nothing.
I work for a Insurance Company here in Los Angeles. It’s a Commercial Liability Insurance Company. I dont do any handling of claim, but I am a Claims Adjuster Assistant. I review court documents to identify facts and the nature of the accident that took place. Send out acknowledgement letter, as well as closing notices. What certification would I want to start off with being new to the insurance industry? What courses would I start off with?
http://www.aicpcu.org/
Go to this web site.
They offer lots of different programs in insurance.
You may want to start out with an easy one like INS. It’s 3 courses and its not hard at all. It is good introductory information.
In claims, you usually start with INS and then move onto AIC (Associate in Claims).
If you are wanting to eventually be an adjuster – these are the two to start out with.
I’ve heard that "performance" modifications can void an auto insurance policy. Is this true? If so, what is considered a void worthy mod?
I know that my coverage will only replace the parts to stock. Also, I’m planning on the following: CAI, headers & exhaust, short shifter, big breaks, ECU programing. When my shocks are due to be replaced i’ll probably take the opportunity to ride lower.
anything that may potentially endanger the driver, the vehicle or the vehicles around you, things like installing nitrous oxide tanks, a turbo, sometimes removing ABS brakes
thing as changing brakes, tuning and recalibrating the suspension are normally ok, read your auto-insurance contract before making any modifications
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