Graded death benefit whole life insurance offers a unique solution for people whose health conditions or lifestyle risks make traditional whole life coverage hard to access. Typically more affordable and offering guaranteed coverage, graded death benefit policies provide guaranteed coverage with graded benefits. However, there are certain terms and conditions to take into consideration before […]
Category Archives: Finance Guide
10
May
May
Insurance agent careers offer some of the highest potential earnings, yet still come with challenges and frustrations. You will hear more no’s than yes’s in this industry! Maintaining customer retention will bring in additional profits by selling renewal policies to existing clients. Commissions Insurance agents receive commission for each policy premium they sell, with commission […]
09
May
May
The worst thing about water restoration is when the adjuster calls to tell you that your invoice is too high. In my 14+ years of water restoration, I have received many calls from adjusters stating that my price for this fan or dehumidifier is too high. I used to get annoyed by this until I discovered the […]
09
May
May
Many insurance companies are becoming more strict about claims made by customers to prevent fraud. While some insurers may delay payment in order to raise legitimate questions about claims, other insurers dither or refuse payment for no apparent reason. These are the most common excuses that insurance companies use to deny or limit auto, home, […]
09
May
May
Car accidents can be stressful, no matter how minor or large they are. You should immediately dial 911 if you are involved in an accident that results in injury to another person. Once the immediate injuries and medical needs are attended to, additional action with insurance companies may be needed to cover medical expenses. You have many options for […]
09
May
May
If you’re financing a car purchase, Kentucky has a lot to offer in the way of gap insurance. It can also help to prevent financial distress, as many types of insurance. It does not offer financial protection to people who have a more recent, well-financed vehicle. The best Kentucky car insurance companies will likely offer gap insurance at a cost […]
09
May
May
The claims handling of insurance adjusters can go well or be a disaster. Part of the responsibility lies with you! Ever wonder what type of service an adjuster should provide when you file a claim. It is a pleasure working with a professional, intelligent and honest adjuster. He is kind and respectful to you. He is patient with […]
09
May
May
First responders can be paramedics, firefighters, police officers, EMTs, or even firefighters. Insurance companies might offer discounts to first responders, despite the fact that each job has its risks. Consider looking into insurance companies that offer special discounts to first responders if you’re shopping for car insurance. If you do, you may be able find a lower premium. […]
09
May
May
Recorded statements for insurance claims. These usually turn out well, but the insurance adjuster may use tricks and gimmicks sometimes to get you to say things that you shouldn’t. So keep a claims diary. If you are having problems with your claim, this will protect you, the claimant or policyholder. Keep a journal or a legal pad […]
09
May
May
Boaters can insure their boats by declaring it on their homeowner’s policy. This could be a good idea or not! Your boat will be covered under the umbrella coverage of your homeowner’s insurance. This provides you with the safety and security of a large-liability policy that is normally associated with homeowner’s policies. You get a certain amount […]