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Monthly Archives: May 2017

Change in Insurance Training

Knowledge gained by insurance professionals during training are to be used. They are not for answering few questions in examination and then forgetting them. There is no end of values that insurance service can add in risk management in any kind of activities. And that is through the use of knowledge related to risk management techniques and also the knowledge related to activities. It may not be expected that every insurance professional will gain knowledge of every activity. But, he will do better if he is able to identify what knowledge to be used from where. This where can be external too.

There can be such training courses that are related to existing practices. But these are at the most basic level. It makes sense if there is a need of organized training on existing practices. There are regular changes in standards, regulations etc. that may create need of organized training to make them known to insurance professionals in formal way.

However, since Insurance service by nature is futuristic, there has to be emphasis on such topics that empowers the professionals to understand the future in scientific way with greater nuance. Such training prepares insurance professionals to go much deep in their profession and make the profession richer.

So, one thing that definitely need to be in the insurance related training is something about the future, something latest, something new, something that make the participants come out from the routine thinking and dive deep into topics related to finance, regulations and analytics or related to the special area of insurance.

All about Internet Insurance Leads

As the online market grows, the number of “garbage” leads increases accordingly; there is a huge amount of price-shoppers out there that cares more about getting a cheap policy than about getting a good one. And paying attention to such requests is not only a waste of time, but also a waste of money.That is why you should get pre-qualified leads. Internet insurance leads that have been filtered to eliminate unserious ones were found to have about 80% effectiveness.There are many lead services on the internet; what differences one from another is this filtering process.

There is no doubt about it: if you want to reach the largest amount of people possible across the nation, then you should start getting internet leads. It is the most cost-effective way to achieve an astonishing number of sales. And, of course, this huge number of potential customers is a great chance of getting plenty of referrals. Everyone knows someone that needs a policy. It’s the good old basic equation: More customers = more referrals.

Be sure to choose a lead service that fulfills your needs, have them pre-eliminate those dead-end quote requests, and the rest is doing what you are good for, that means, selling insurance policies.

If you need healing, you pay a visit to a physician. If you want to get yourself a new car, you don’t enter a pharmacy to buy it. It’s that simple: if you really want to increase the amount of your customers, then you need to get in touch with a quality internet insurance leads service provider. That is what makes the difference in the insurance world nowadays.

Negotiate A Settlement

You’re stunned. You can’t believe what Strong is trying to pull. You say, “I’ve been miserable! There was no way I could get back to work because of the pain in my neck and back.”

Strong shift’s in his seat and a victorious look (one that says he knows it all) begins to march across his face. At that point he predictably states, “Look, I can tell you, after handling thousands of cases like yours, that the discomfort you may have had, for a couple of days at the most, are relatively minor. They don’t even come close to justifying the three week’s of work you lost and the disability you and your doctor are claiming”.

Now you’re thunderstruck! He smiles to himself and comes at you from another angle, “I’ve seen thousands of cases like yours and I’ve had more than my share of exposure to personal injury claims, examinations, doctor-talk and recovery – – the whole nine yards. I’ve seen physical trauma at its slightest and its worst. Any judge or jury would know, once they heard about your so-called ‘injuries’ that your physical problems were almost non-existent”.

He’ll take a minute to let that sink in and then he’ll attempt to sway you even more by telling you he can prove your time lost from work was not compatible with the injury involved. He’ll hint around about some “independent information” he’s supposedly gathered from your neighbors and/or business associates, which indicate you’ve been involved in “very active” physical activities since the accident.

Once he lets that one sink in he’ll ramble on about the “independent examination” the doctor hired by Granite Mountain executed, telling you, with outrageous confidence, that his doctors Medical Report states there was little, if anything, wrong with you. Then he’ll surely try this one on for size: “My doctor is a professional .The only people he ever sees are those who’ve been in motor vehicle accidents. That’s what he does all day long, check out personal injury claims like yours. His report clearly states your physical problems were almost non-existent”.

He hums a happy tune to himself as he observes the amazement marching across your face and that drum beat he’s heard so very often begins to pound away within the gray matter between his ears: Boom/Boom/Boom, declaring, “I gotcha!, I gotcha!, I gotcha!, I gotcha!”

If you let Strong get away with that than his attempt at downgrading your disability will have been successful. As a way of “proving” what happened to you wasn’t serious he’ll describe your “so-called injuries” with fancy medical language and then compare them to the more extreme types of personal injury problems or conditions he’s dealt with in the past. The implication being yours were obviously minor and have little, if any, value.

At that point he’ll read the statements and opinions in your own attending physicians Medical Report in such a way which, if not read properly, he’ll insist proves, “You may have been a little sore from a slight injury but it clearly states you certainly didn’t have any serious physical problems”. (You can bet every dollar in your wallet that he’s made that statement several thousand times)!

You’re quickly discovering that neither Adjuster I. M. Strong nor his supervisors at Granite Mountain Insurance are going to be fair. They’re out to take advantage of you. That’s the name of their game and that’s what they get paid to do. Question: Is that really true? Answer: Yes, it’s really true. Take it from Dan, I was on that firing line for 30 years!

Info of Credit Card Insurance

I took out my credit card protection cover last November . I merrily watched the monthly payments being taken up to date. I recently made a claim. (I had a heart attack and had to be off work for 8 weeks) I sent off for the claim forms, I sent them back, together with doctor’s certificate; and waited. I eventually got a request from the insurance company asking me to prove that I was in work for the 6 months prior to taking out the insurance. What? You may ask! Why? Well I called them and asked them – Why? The answer was that it was a ‘condition of the policy’ that I had to have been in employment for the six months up to the time I took out the policy. ‘Why was ~I not asked for this information when I took out the policy? I asked. The answer: ‘You will have to ask your credit card company that, we just handle the claims. No amount of indignance of questioning got me a sensible response. I put the phone down in disgust. After all, My monthly payments were accepted with no quibble at all. Nobody asked me if I was in employment for the preceding six months when I signed on the dotted line for ‘payment protection’.

I decided to call the credit card company and all I got was an automated machine asking me for my sixteen-digit account number… ho hum. Been here before when I was trying to get them to send me out the claim form. I put the phone down.

Be warned. All is not what it seems to be. These guys will fall over themselves to sell you the payment protection. But you wait until you need to claim on it. It’s a different story then.