Insurance Sales is an upcoming and growing job opportunity for many graduates and other professionals. Selling insurance covers and other financial products is the main job responsibility of insurance agents. In India, the number of people already under insurance covers is much less than the potential number of people who require such a cover. Thus, demand for insurance agents and job opportunities for them are rising.
Nowadays, the job of insurance sales agents is not just limited to selling insurance policies. They are diversifying their profile to sell more and more financial products. Mutual funds, retirement funds and other securities are also now sold by insurance agents. Thus, the purview of their job is expanding.
The job of an insurance agent is very client oriented. Insurance sales agents are the first point of contact between a consumer and an insurance company. These agents help businesses, individuals, and families in selecting insurance policies that best suit their needs. These insurance policies are meant to provide the best safeguard for their health, lives, and property.
Insurance sales agents could be of two types: independent agents, and captive agents. As the name suggests, independent insurance agents work independently. They are not bound by any company instead represent several different insurance companies. They are also referred to as brokers. Their job includes making the client buy product from such an insurance company whose policies, rates, and coverage best satisfy the needs of that particular client. On the other hand captive insurance agents or dedicated agents work only for a specific insurance company that has hired them. They find policies within their company to fit the needs of their clients. Although the function of both types of agents is more or less the same, their mode of payment is different. Both are required to maintain records, prepare reports, find new clients, and help policy holders settle their insurance claims. Independent agents work on commission basis whereas captive agents work on salary plus incentives basis.
In the job of insurance sales, the agent sells insurance policies such as property, casualty, life, health, disability and long-term care. Property and casualty policies are sold to individuals and businesses who want to protect themselves from financial loss due to fire, theft, natural calamities, automobile accidents, and various other things that can cause significant damage. Some insurance agents specialize in selling life insurance polices that provide beneficiaries with income when a policyholder dies. Health care agents find clients who wish to insure coverage for medical care in the case of illness or injury. They may also sell dental insurance and short- and long-term disability policies.
The first task of an insurance agent is to convince the client that the financial product offered by the company is useful for the client. Once the client is convinced, the insurance sales agent helps the client select the best policy that suits his needs. This could be buying insurance cover for self, spouse or children, mediclaim policies, child education policies, pension plans and so on. After this, the agent helps the client through all the paper work and legal formalities that are involved. Then, the agent has to maintain relationship with the client for reminder of premium deposits, any other settlements, claims or if the client wishes to upgrade his policy. Also, since much business is generated through referrals, it is always important to maintain a good relationship with the client.
These days, the job of an insurance agent has become relatively simpler with the advent of technology. Internet enables easy access and regular communication with the client. It is also easier to keep records and make reports using increasing technology advancements. This improves the efficiency of insurance sales agents allowing them to take on more and more clients and servicing them well.
With the increasing competition in the insurance domain, there is need for aggressive insurance sales agents. With so many players in the market, it is the agents who can ensure a customer’s satisfaction with the services of the company. The agent should be smart, pleasing to talk to and convincing enough. He/she should also have thorough knowledge of the products of the company. There should also be certain quickness and the ability to think on feet while processing claims, answering questions, making changes in policies, and selling more products.
The job of an insurance agent is both rewarding and challenging. As long as one keeps getting clients and the business keeps flowing in, it can be monetarily very rewarding but if the clients dry up, it becomes very frustrating. One can enter this job as a graduate and entry level and grow to a higher level. There are opportunities galore and for aggressive young people with good sales ability, this could turn out to be a long-term career with ample scope of growth.
Some useful links: www.naukrigulf.com www.naukrigulf.com/ni/nijobsearch/loc-jobs-dubai/
If your home is like 72.9 million others in the U.S., it is home to at least one pet. According to the 2011-2012 APPA National Pet Owners Survey, 62 percent of households in the U.S. have at least one pet. It’s not hard to imagine why. Pets, whether furred, hoofed or winged, bring so much to our lives. But, along with unconditional love and unquestioning devotion, they can also bring significant vet bills. In fact, the APPA (American Pet Products Association) estimates that U.S. pet owners will spend $14.1 billion on veterinary care in 2011.
Some pet owners opt for pet insurance as a method of reducing the costs of routine and emergency vet visits. However, Consumer Reports recently published a review of several pet insurance plans. The review was not favorable. Their basic conclusion: “Pet insurance is rarely worth the price… Only in uncommon cases, when a pet required very expensive care, would the coverage have more than paid for itself.”
Here are a couple of reasons why a pet insurance plan may not be your best option to save on your pet’s healthcare costs.
1. Lack of Coverage
Most pet insurance companies promise to cover 70 to 90 percent of your pet’s veterinary costs. However, these companies have adopted much of the fine print that the large human health insurers use: cumbersome claims processing, deductibles, per-visit reimbursement limits and per-incident limits. They may also deny coverage for many common conditions, including those deemed “inherent to the breed” and “pre-existing” conditions. As a result, their insurance rarely covers more than 50 percent of a pet’s annual medical costs. And since they charge $400-$1100 for a policy, the insurance typically costs the average pet owner far more than it saves.
2. Poor Return on Investment
In the aforementioned Consumer Reports review, they analyzed the lifetime vet bills of Roxy, a 10-year-old beagle in Dobbs Ferry, NY. Costs were totaled for nine different pet insurance policies, calculating how much would be paid out in reimbursements. Over Roxy’s 10 years, none of the policies Consumer Reports evaluated would have paid out more than the cost of the plan. Even when treatments for several hypothetical serious ailments were added in, the average policy would only have saved Roxy’s family $65 over her lifetime.
Consumer Reports concludes: “We believe most pet owners will be better off passing up pet insurance.”
So what should pet owners do to help cover rising vet costs? Here are a few alternatives to help:
1. Financial Assistance
There are a number of financial assistance programs financed by grants and private donations. While each one has different guidelines and requirements, your local shelter is a good place to start. Many shelters have updated listings and information on financing opportunities.
2. Veterinary Discount Plans
Veterinary discount plans provide discounts on services at participating veterinarians, immediately reducing the amount you have to spend on routine and emergency care. In Consumer Reports hypothetical case of Roxy, the largest veterinary discount plan showed Roxy’s family saving almost $2,500.
3. Start a Pet Savings Plan
Open a savings account with a high interest yield that you can use an emergency fund. If you put away just $25 a month for 4-5 years, the compounded sum will cover almost any procedure.
Be creative! Mix a Pet Savings Plan with a Veterinary Discount Plan and Financial Assistance plan. Now that’s something to crow (meow, bark or chirp) about!
When you struggle to track where prospects are in your sales funnel and how likely they are to do business with you it’s easy to drop the ball and miss prime opportunities. Many tracking systems are complicated and unwieldy. You need a simple tracking system. You need to know at a glance exactly who your prospects and leads are, how likely they are to do business with you, their contact information, the commitments agreed upon during your last contact, and the next action you must take to close the business.
And you need all that information in one place. Sales is a hectic fast paced business. You need to know exactly who your prospects are at any given moment. When you try to track all your prospects in your day planner, a call sheet, or many CRM’s you really can’t access everything you want and need to know quickly and easily and everywhere you are.
You can use a single sheet to record all the information you need to track your sales funnel. This will make the whole tracking process easier for you. Plus it helps you to have everything you need in one location when you need it.
Prospects don’t usually enter and exit your sales funnel as customers in one step. Most sales cycles involve multiple and incremental steps that occur over a period of time. Some sales cycles are extremely long especially when the sales involves high ticket decisions. The sales cycle itself poses a stumbling block for many sales professionals.
Define the required steps for advancing the sale in your sales process. Based on your sales experience what sales techniques do you have to advancing a prospect that doesn’t fall within your standard sales process? You’re sales success depends on your ability to move people through the buying selling process. If you don’t have a next step option for your prospect you can’t expect them to come up with one for you. Plan clearly defined advancement options that both you and the prospect can agree to. If you don’t have advancement options you have to have far more leads in your sales funnel that someone who does. You’re letting valuable prospects slip through your fingers because you don’t have a plan for keeping prospects on track and on board with your solution.
All too often sales professionals drop the ball and allow months to pass without taking the appropriate next action. This probably happens more often than you’d like to admit or than you even realize. These time gaps hurt your relationship to the point where you almost have to start over with the prospect. You’ve lost your connection and now they don’t trust you because you’ve demonstrated that they can’t count on you. That kind of relational damage is hard to repair. Effectively tracking all your leads and prospects and the next actions you’ve committed to reducing the likelihood of dropping the ball. It’s much easier for you to monitor your entire sales process and everyone in your sales funnel, and you close more business.
If you want consistent and predictable result you have to know exactly how many people you need in your sales funnel at all times. As soon as you close a prospect you know you immediately need to replace that prospect in your sales funnel. Through experience you’ll discover both your capabilities and limitations. You’ll discover how many leads you need to consistently generate to produce prospects for your sales funnel. Eventually you want to develop lead generation systems that produce the right number of new prospects entering and leaving your sales funnel as customers so you obtain the sales objectives that fit your needs.
When our pets get sick, we want to provide the best health care possible. But how do we do that if hospitalization, treatment and medication would cost about $3000? Pet insurance enables pet owners to have options on how they could provide better for their pets, after all our pets are not just animals around the house. They are our companions.
In the United States, only 3% of Americans got their pet friends insurance. This is lower compared to other countries like Canada which has 19 % of pets insured and with Sweden with an outstanding 49%.
There are undecided pet owners on whether getting pet insurance would be able to benefit them and their animal companions. Let’s understand the advantages and disadvantages of getting pet insurance, to be able to guide us in making the best decisions.
The gist of having a pet insurance policy is to make sure that in terms of medical emergencies and accidents, your pets are well provided for. When unforeseen circumstances happen, it would be difficult for the pet owner to come up with a big amount immediately. How many pet owners were forced to touch their personal funds for the sake of their pets.
Depending on the kind of insurance plan, coverage could also include vaccinations, spray, neuter and even flea medications. Veterinary costs are increasing fast. There are already sophisticated medications that could deal with your pet’s sickness. Having a pet insurance could actually save your beloved animal from euthanasia.
Aside from medical reasons, there are also insurances that could cover rewards, posters, advertising and financial assistance for pet owners whose pets have been stolen. In these cases, insurance companies could even provide assistance in acquiring a new pet.
Another kind of insurance will be for kennels and boarding, which will answer to the question when something bad happens to the owner and nobody could take the pets in. A pet insurance policy could help with the cost of kennels and boarding.
Some pet insurance tend to be overly expensive. However, there are pet insurance companies offering lower plans. You just have to know what kind of coverage you would like to be in your plan so you can choose an appropriate insurance for your pet. The prices also tend to be different based on the animal and its breed. There are some animal breeds that would require expensive medical treatments. For example, when a big dog like a German Shepherd injured his hip, the procedure tends to be expensive.
Pet insurances are also very particular with pre-existing conditions. If you dog is sick and old, then definitely you would have problems getting them and insurance plan. Most insurance companies does not pay the bill upfront. What happens is that the pet owner would have to pay for it and then will have to reimburse if after.
There are times when the pet owner does not have the money yet, there are vet clinic who would allow the pet owner to pay part of the bill and the insurance company will be fixing the balance directly. Before a pet owner could take advantage or use the insurance, it would need a two-week or a few days of wait before the coverage would start.
Thinking about it, getting a pet insurance policy definitely would have its pros and cons. It would definitely be your call as a pet owner if you would like to get one for you pet, but it is important to always keep in mind our responsibility as pet owners and our pets’ welfare.
Pet care insurance is all about becoming a responsible pet owner. Lately owning and correctly caring for a animal is a huge responsibility. Not only do you have to offer adequate food and shelter for the family pet, but they also require appropriate health attention.
Sadly for ninety-seven percent of the pet owners, the concept of “suitable medical treatment” is not taken very sincerely with respect to buying pet care insurance to ensure that a policy is in place to supply medical care if and when it’s needed.
When speaking about this responsibility for providing good health care for a animal, this includes a price tag. Personal time, along with the monetary side of having your animals taken to the veterinarian for regular check ups, vaccinations and potential treatment for injury or sickness are some of the key reasons why owning a family pet is a huge liability. Scientific studies show that around 65% of veterinarian visits are spontaneous because of emergencies. In lots of cases these unforeseen visits to the veterinarian may result in an unexpected blow to your private finances when a huge veterinary invoice rolls in.
You possibly can keep away from this gigantic “hit” on your wallet with a family pet health plan. Pet care insurance assists you to lessen family pet care expenditure through reimbursements on veterinary charges, diagnostic exams and diagnostic treatments.
Not all pet care insurance plans are equivalent, as a result as the animal owner you must be willing to perform some detective work to obtain the most applicable pet care insurance for your own family pet. Doing research and obtaining pet insurance quotes often contributes to financial cost savings and realizing what is the most comprehensive plan for you and your animal.
Some key ideas to help find the top animal health care :
1. Compare pet care insurance companies. This will help you to locate the most cost efficient pet care provider for you.
2. Institute a sum you are agreeable to purchase family pet services. Setting aside an affordable sum for health care can safeguard you from getting talked into an expensive coverage that you can not pay for.
3. Get in touch with a number of vet clinics in your area to inquire on the subject of their fundamental treatment plan costs. Like any other business, competition will lead to a wide range of charges for the same treatment between vet hospitals.
4. Ask in relation to free samples from your local vet. Oftentimes pharmaceutical organizations that provide drug treatments to the pet marketplace recommend free of charge samples to see if their products perform. Check with your vet if there are free samples as this may save you money on fundamental prescription drugs.
5. Carefully look over any family pet insurance policy prior to signing. It is vital that you read and comprehend the “fine print” in pet care insurance plans to totally grasp the inclusion and exclusions for the coverage.
While pet care insurance may well not look important now, believe me when I declare, that as a pet owner myself this is something that will save you from both psychological and financial heartache if and whenever you possess a sick or gravely hurt animal and are confronted with huge veterinary costs guarantee your animal of the top attention and treatment viable.
Show your pet that you truly care! Take action now to find out more about pet care insurance and protect both yourself and your pet. Visit our website now to find how to cheap pet insurance and much more. Articles on pet medical insurance, pet health food recipes and tips and links to many other resources. Let us help you as we have already helped hundreds of other concerned pet owners find pet care insurance.
An insurance company performs a lot of insurance related functions such as enrollment management, underwriting, claims management, policy administration, and accounting etc., for its customers. To enhance customer service and improve service delivery models, most insurance companies are now turning to automated insurance management software solutions.
Automated insurance software solutions make it feasible for customers to carry out their business critical insurance activities in a secure, cost-effective and reliable manner. Most insurance software come with the added facility of customization insurance companies can get their software customized as per their business requirements. Application theme, colors, functionalities etc. can be changed as per an insurers preference.
There has been a significant shift in the U.S. health insurance sector since the consumer-centric Affordable Care Act was signed into a law. The U.S. healthcare market offers insurers a unique opportunity to acquire new customers, who may be less informed about their insurance needs and available options, without any excessive infrastructural costs.
Automated insurance software solutions help insurers conduct their insurance management processes in a time-saving and cost-effective manner. With these solutions and embedded functionalities, Insurers can allow their customers the facility, to search for health insurance plans online, check their eligibility for plans, and enroll for a plan of their preference.
Insurers can easily manage their administrative tasks and can keep track of their customers and brokers data. Some of these insurance solutions comprise of analytics and reports functionality that helps users generate reports on customers, their preferences, traffic sources etc. Assessing and analyzing these reports can help users identify areas that need improvement and areas that are performing well. Regular analysis of customers demographics can prove valuable in formulating future company strategies and deciding on the future markets to tap into.
There are insurance solutions that cater specifically to the insurance needs of different insurance consumers – individual consumers, small businesses or groups, senior citizens etc. Some healthcare insurance solutions provide separate portals for employers, employees, brokers and vendors, in a single insurance software package.
Employer portals, for e.g, can be really helpful for employers who want to offer insurance coverage to their employees. With these insurance solutions, employers can define their DCHP contributions, can remain informed of the latest health plans on offer and can manage their employees insurance data. Employee portals on the other hand can help employees remain informed of their insurance plans and plan their future financials.
There are separate portals available for brokers and agents that improve the client data management process and helps brokers and agents to increase their client pool.
To achieve and maintain a competitive edge in the health insurance market, insurance companies may find it necessary to utilize the services of healthcare IT firms which design healthcare insurance solutions. President Obamas healthcare reform has galvanized the U.S. insurance industry into action and the time is ripe for insurers to tap into different insurance markets and increase their customer base with efficient and secure service delivery models. Most U.S. customers are ill-informed about the types of plans that are of on offer and smart software solutions can help convert these prospects into loyal customers.
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There is a best technology that is introduced by this company that is iphone 4. Some people are worried about its mobile screen because they think that this mobile screen is not best and can damage at any time. But it is not so. It is true that it is made of glass that can broke at any time but cant easily. It is endurable and cant damage easily. However, if you are worried about your mobile, now there is no need to worry about. Now you can get cheap iphone 4 phone insurance online that can cover you according to your demands and needs with in cheap rates and this is cheap. There are several companies that can give you cheap iphone 4 phone insurance and also can provide you some info with that you can get cheapest insurance. You can easily get cheap iphone 4 phone insurance online from some experienced companies.
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Just as money has its own language, insurances are no different. However, when it comes to protecting your future and the future of your family, making the decision to purchase the best life insurance, pension insurance, auto insurance, disability insurance, business insurance, homeowner’s insurance or health insurance is not a luxury, but a necessity. In fact, either of these insurances can make all the difference between a happy, secure life and a hunting life of unforgiving consequences. Needless to say, the fundamental purpose of insurances is to transfer the risk. None of us desires or plans a car accident or a disability, but the truth is that it can happen to anyone. Why let circumstances, faith, karma, luck or any other factor play with our lives and future, when we can take control of our lives? We don’t. We apply for insurances. However, with so much contraction and confusion in the insurance company, with companies buying other companies, companies that struggle with threatening bankruptcy situations, companies that become newspapers headlines for all the wrong reasons – it is crucial to assess the actual financial stability and strength of the insurance company you are considering. In fact, the most important point that should be engaged in this selection process is the overall capacity of the insurance company to tailor its services to your particular needs and requirements and the other way round. Certainly, you can ask around, consult your friends and family on this matter, but unless you contact the services of an experienced financial company, you can’t be sure that you have made the best decision for your future.
These companies have invested years of experience in this field, so they are abreast of current insurance situation, tendencies, evolution and other relevant factors. In addition, unlike insurance brokers who tend to be more focused on their own advantages, commission or fees when assessing insurance offers for potential customers, these financial advisers are committed to turn customers’ interest and particular financial situation into the fundamental selection criteria! Moreover, these professional sources use advanced analysis software and independent insurance comparison programs to trace the insurance packages that meet their clients’ needs best; and if all that wasn’t enough, these initial financial consulting services are offered at no cost whatsoever. Therefore, as soon as the client enrols to this selection process, he/she will receive professional assistance and guidance regarding ideal insurance companies, this time based not on the personal interest of the expert, but based on a proficient versicherungsvergleich.
This comparison system will take into consideration essential points and factors such as: total costs, policies, shares, conversion rate, coverage, return rates, protection level, length, deductibility and many other relevant aspects. Furthermore, this comparison system has been conceived to render three essential ingredients: precision, performance and efficiency. Consequently, by choosing to krankenkassenvergleich before making any contract or decision, you instantly gain the chance of becoming the possessor of excellent insurance packages. In conclusion it is important to accentuate once again that insurances can be that rope to save or protect you from unexpected situations, but only if they are purchased wisely. The good news is that the already popular Wold Wide Web hosts today quite an ample selection of qualified financial sources and services that can be accessed immediately.
For more resources about versicherungsvergleich or about krankenkassenvergleich, please review this link http://a-o-consulting.com/.
There are different types of health insurance covering all walks of life like individual, family, employees and others.
What is a Family Health Insurance?
Families are always special and they ought to have complete protection against medical emergencies. A comprehensive Family Health Insurance helps to save medical cost and complete shield to family against emergency due to an accident or sudden illness. Family members covered under Family Health Insurance are spouse, dependent parents and children of an insured.
Benefits of Family Health Insurance
During a policy period if the sum assured has exhausted as more number of people covered, the policy can be renewed at no extra cost. Health Insurance Companies cover Health check -ups, day care treatment, pre and post hospitalisation etc. A new member to the family can be added anytime during the policy period and in case of death of family member others can avail same benefits and health cover without any hindrances.
A lump sum cash benefit is paid upon being diagnosed for a critical illness such as first heart attack, cancer kidney failure and others as well. If a family member covered under Family Health Insurance has to travel aboard for treatment, Health Insurance Companies bear all the expenses like travelling cost, cost of treatment abroad and expenses incurred by the person accompanying the insured. Cashless hospitalisation are very helpful if case of unforeseen medical uncertainties.
Common exclusions of a Family Health Insurance
Health Insurance Companies do not cover any pre-existing injuries or illness. Any diseases diagnosed within 1 month from the date of commencement of policy are not included. Only injuries due to accidents are covered within 1 month. Medical expenses due to self inflicted injury or attempt to suicide are not covered. Dental treatments, cost of contact lens are not part of Family Insurance Plan. Cost of treatment incurred due to consumption of alcohol or drugs are not born by the Health Insurance Company.
Lump sum cash benefit covering a critical illness is paid only once in life to spouse or an individual after waiting period 3 months or survival period of 1 month is met under Family Health Insurance. Children are not covered for critical illness by the Family Health Insurance.
Family member are engaged any of dangerous sporting and sustained injuries due the sporting action is not borne by the Family Health Insurance.
Sudden Illness and expensive medical expenses of a family member can cause lot of financial liability. A well planned Family Health Insurance will help in facing medical emergencies and access to best medical treatments.
For more information visit: Family Health Insurance and Health Insurance Companies.
The iPhone is a 3G GSM touchscreen smartphone; a miniature wireless Internet computer that lets you run your life more efficiently, quicker and keep important things recorded virtually in your back pocket. New iPhone owners are growing in leaps and bounds every day. Situations of a damaged iPhone and no iPhone insurance are growing too; or failing on cell phone insurance relating to phone lost, phone damaged or phone stolen. This is a big potential cost that needs consideration.
Ensquared.com is #1 for phone insurance seekers. They offer the first-ever phone insurance comparison tool in USA absolutely free; gives you quick, accurate comparison of cell phone insurance and prices for extended warranties, phone damage, lost phone or stolen phone. Further, the insurance mobile phone calculator will connect these results to Asurion cell insurance backed AT&T insurance, Verizon phone insurance, T Mobile insurance, Sprint insurance and others and wireless Internet providers like Square Trade. By using the phone insurance comparison you can see where you can get cheap extended warranties with stolen and lost phone, or damaged phone; or possibly all these options in one. As a case in point iphone insurance shows much room for improvement and as a subset of the larger phone insurance landscape needs careful looking at.
The Ensquared calculator shows: The Apple iPhone cell phone insurance is in the realm of extended warranties only, promoted at a cost of $69 for up to two years of extended warranties and technical support. However, a new iPhone already comes with a one year manufacturer warranty and you must buy the extended warranty in the first year of ownership. This is a case of cell phone insurance overlap. You are getting a net iphone extended warranty of 1 year for your $69 after taking away the free manufacturer support. Where Apple Care iphone insurance is giving benefit of more than one year is this: The extended warranty offers you two years of Apple technical support versus 3 months offered on purchase anyway. So iPhone insurance bought on day 1 would get 1 year extended warranty starting after the first year and 1 year nine months of extra technical support. The Ensquared phone insurance comparison shows this at a click of a button after answering 7 simple questions.
The phone insurance comparison tool shows that Square Trade phone insurance will cover the iPhone for phone damage and extended warranty for $60 pa on the iPhone 8GB and $72 pa for iPhone 16GB. A $50 deductible on phone damage applies and the iphone insurance must be bought within 1 month of AT&T activation.
There is no iPhone insurance from any carrier for lost phone or stolen phone. The Ensquared phone insurance Comparison shows that AT&T insurance, Verizon phone insurance , T Mobile insurance and Sprint insurance all backed and underwritten by Asurion cell phone insurance provide lost phone and stolen phone options on most other phones.