American Express

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Auto Life Insurance building 1


Image by regional.modernism
Automotive Life Insurance building
1963
Curtis and Davis
4140 Canal Street
29.974985 -90.101417
Colm Kennedy

About Life Insurance Leads

Life insurance is a lucrative industry, and as more and more people come to understand the benefits of life insurance it becomes even more rewarding. However, even though there are countless individuals in need of life insurance, generating life insurance leads can seem like a daunting task. Fortunately, with knowledge of a few tricks of the trade, it is much easier today than ever before to generate new leads.

Before the Internet became a popular form of communication, insurance agents had a harder time finding clients. Indeed, they often resorted to cold calling potential customers, or even traveling door to door in hopes of meeting a prospective client. Of course, both of these techniques result in fairly low sales. This isn’t so much because people aren’t interested, but more because these methods feel invasive and uncomfortable to the average person. If a salesman was lucky enough to catch someone at home, it was usually during their leisure time when being hassled by a sales call or visitor is highly undesirable. This made finding potential leads much more difficult than it needed to be.

Today this has all changed. We live in technological times and even the average individual is quite tech-savvy. Today it is possible to find quality life insurance leads without cold calling or going door to door. The Internet provides the easiest alternative to traditional approaches. However, there are other offline approaches that prove beneficial too.

Although some of these newer methods can seem slightly intrusive too, they are definitely less invasive that home visits. They also provide much better results. Insurance Leads are often generated through search engines such as Yahoo, Google, or Bing. These search engines provide an effective way to directly reach customers in a seemingly unobtrusive manner. More importantly, advertising opportunities are targeted, which allows an agent to reach people that have some sort of interest in finding out more about life insurance. This increases the sales rate significantly.

Additionally, agents can buy quality leads that often lead to sales. These leads are generally generated by online forms filled out by those interested in learning more about life insurance. Most forms include a variety of information relevant to a person’s insurance needs. Information collected includes: sex, age, family size, type of insurance desired, etc. Upon purchasing leads like this, and agent already knows quite a bit about each prospective client, and most importantly he knows the individual is already thinking about buying life insurance.

With the Internet, it is possible for agents and insurance companies to get in touch with potential clients like never before. There is a host of different methods available. Online advertising, free newsletters, website pop-up ads, search engine advertising, and free reports with opt-in newsletters have all been used with success by some professionals. Of course, no matter how you get your leads, actual sales will be a result of your own ability. Nonetheless, today’s technology makes life insurance leads easier than ever.

Car Insurance agent Mark


Image by Majiscup – Drink for Design
State Farm Insurance, 2007

What Are Long Term Care Insurance Leads and Can They Benefit Your Business?

Long term care insurance leads offer great potential to any insurance agent. If you aren’t familiar with these types of leads, it is best you familiarize yourself with them first. Then you can begin to take advantage of their potential through quality long term care insurance leads. This is a segment of insuring that can prove quite lucrative for a savvy agent. Long term care insurance is gaining popularity as the cost of medical care skyrockets. Most young people don’t realize its importance, but even they are beginning to see it as useful. The fact is, if you are in an accident, regardless of your age, you might be unable to work or care for yourself. This is when long term care is necessary. Indeed, anyone could benefit from it and not having it could put you in financial ruins. For these reasons, selling LTC insurance is easier than you might think, especially if you start with quality insurance leads. Although it is possible to talk anyone into a sale, it is much easier to sell a policy to someone who has demonstrated interest in a potential policy. This is where long term insurance leads come in. By using leads you gain a significant advantage. You already know the lead is interested in learning more about long term insurance, and this increases the likelihood of a policy purchase substantially. Today there are many companies that specializing in collecting lists of potential leads for a variety of different types of insurance. Purchasing leads is a quick way to increase your business, but it isn’t the only way. Just like companies that specialize in providing long term care insurance leads, you too can collect your own leads. A great way to do this is to have an opt-in section on your website that allows interested visitors to request more information. Often a person interested in long term care policies will be willing to fill out information about themselves in an effort to learn the rates they qualify for. By creating forms with relevant questions, you can start getting your own leads, and collecting pertinent information on these leads that could help you close the deal. Once you understand a little about LTC insurance and feel confident you can answer any questions that might arise, then you are ready to start selling policies. Whether you decide to purchase leads from a company specializing in their collection and sale, or you decide to collect your own long term care leads; taking advantage of quality leads will increase your sales dramatically. It is so much easier to sell a product to someone when you already know they are interested in buying it. So take advantage of insurance leads to get your business booming.

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March 20 2008 day 161 – The insurance blues are back


Image by DeathByBokeh
I got the first shipment of testing strips using my new health insurance plan, and they sent me 200 strips for 3 months. I use at least 8 strips a day, and i spent some time explaining to the customer rep. why 200 strips won’t do for 3 months for a type 1 diabetic. The next few days are going to be interesting as I escalate this issue and control my temper…

Is your home insurance provides full cover?

When you take out home contents insurance (Contents insurance is insurance that pays for damage to, or loss of, an individual’s personal possessions whilst they are located within that individual’s home. ), it’s a good idea to make sure your cover is “new for old”.

This means that, if you have to have a damaged or stolen item replaced, your insurer should pay enough for you to buy a new version.

Some policies only include “indemnity” cover, which will take wear and tear into account and therefore pay out less.

But there are a few catches to watch out for. Many policies will not provide new-for-old cover on things such as clothing, bed linen and even pedal bikes. Check your policy booklet for any exclusions.

Another issue is when insurers agree new-for-old cover on the basis that they can decide on suppliers to replace lost or broken items.

For example, if you had a laptop stolen, you would only be able to get a replacement machine – to the same value – from the insurer’s chosen supplier, rather than exactly the same model again, or its cash equivalent.

And bear in mind that new-for-old cover could be more expensive than an indemnity policy – although many companies now offer new-for-old as standard.

What does Contents Insurance Cover?
Contents Insurance covers loss or damage to your possessions whilst they are in your home howsoever caused (apart from personal malicious damage).
In this context “possessions” basically means anything that is not permanently attached to the structure of your house . So Contents Insurance would not cover your fitted kitchen units but your furniture would. Everything permanently attached to the structure of your house is covered by Home Insurance (which is also known as Buildings Insurance.)
The most frequent cause of damage is theft, accidents in the home, burst and leaking pipes. But if you can still claim if vandals, storm, fire or flooding, falling trees or explosions, damage your belongings. Even damage to contents resulting from a vehicle or aircraft crashing into your house is covered. In fact it’s hard to think of circumstances where loss or damage would not be insured – oh yes there is one – deliberate damage. You can’t deliberately damage your contents and expect to make a valid claim!
Many policies will insure you for accidental damage caused by yourself. However, the extent of the cover can vary between policies. So do check out what’s included. Ask about videos, TV’s and computers and what about damage to mirrors and glass generally? You might well have to pay an optional extra to have them insured but it could be well worthwhile. (Claims for these will probably only be valid if the items are in the home at the time they are damaged.)
Valuables like jewellery, antiques or works of art will almost certainly need to be specifically listed on your policy. This often applies to any item valued at more than £2,000. (£2,000 is only a guide – please specifically check out the limit for valuables on your policy as these limits do vary between insurers.) There will be an extra charge for insuring these listed valuables based on what they are and their value.
Also check out whether your possessions stored in your garage or garden shed are covered. And what about any garden furniture? Are they insured? You will have to specifically ask those questions.
You may also be able to extend your cover to “All Risks” which then covers any possessions (and sometimes some cash) you take with you when you leave your house. Check out your proposed policy.
Most policies will also offer to insure the contents of your freezer in the event of spoilage due to the interruption of your electricity supply. This cover will usually be an option extra. Have you tried adding up the value of the food in your freezer? You may well be surprised how much it comes to!
Look out for policies that provide cover on a “new for old ” basis. This means that no matter what condition or how old or the item was before it was damaged or went missing, the insurance company will payout sufficient to enable a brand new item, of a similar or same specification, to be purchased. This will avoid a lot of potential aggravation with your insurer. If the insurance is on a “replacement value” basis you will receive less as the payout will be reduced to take into account the age and condition of the item. As you would expect cover on a “replacement value” basis is cheaper the “new for old” but we think the extra benefit is well worthwhile.
Finally, many good policies will also include public liability insurance. This is the type of insurance you might need if someone came to your house tripped on a toy and hurt themselves in the fall. They could make a claim against you and, as you probably know, such claims can be large.

I had tears in my eyes the first time I watched it, so I decided to make a subtitle version of it to share with the world. Advertisement by: Thai Life Insurance Translation & Subtitle by: DZ ———————————- The song used in this commercial is Kazamidori (???) by DEPAPEPE Guitar chord tab chordtabs.in.th
Video Rating: 4 / 5

America Fore Insurance Group Building


Image by regional.modernism
America Fore Insurance Group Building
1956
Curtis and Davis
2515 Canal St New Orleans, LA 29.964208-90.084947
photo: trevor meeks

Tips on How to Find Quality Online Life Insurance Leads

Selling life insurance can be rewarding and lucrative way to make a living. However, it isn’t always easy, and if you’ve been at it for a little while, then you already know that customers aren’t necessarily lining up outside your office to buy insurance. The first step to selling life insurance, is to find people to sell to. Indeed, this is the most demanding part of the job. You need to actively find new clients if you expect your business to thrive. So how do you find insurance leads? Some agents rely on the age old technique of cold calling. Others take advantage of the life insurance leads available for purchase. Below are three potential sources for insurance leads that have been effectively used by successful agents. If you are having trouble paying the bills, then give these methods a try. The first step is to take advantage of your own social network. You know a lot of people: friends, relatives, and other acquaintances. These are potential life insurance leads and they are potentially good leads too. Since your already know these individuals it will be much easier to talk to them about policies. Most people dread the sales pitch, but when you are talking to a friend you can let them know why they might consider a policy, and that you can help them out. Once you have exhausted your own circle of friends and family, you will have to look for leads elsewhere. This can be as simple as picking up the phone. Insurance agents have long used cold calling as a lead generation technique. The truth is, it isn’t the most effective way to get leads. Most people don’t like sales calls, and it might take many calls before you make a sale. However, you can get business this way. Especially if you tone down your sales pitch enough to connect with a person first. Once you have them interested it will be easier to help them with a policy. Although cold calling can work, a more effective means for finding leads is to purchase them. Today there are many companies that collect potential life insurance leads from the internet. These companies specialize in collecting leads so they can sell them to insurance agents. Not all services are created equal, so you will have to shop around for a company that provides what you are after. However, once you find a quality lead provider, your job will be much easier. Since the leads these companies sell have already expressed an interest in purchasing a life insurance policy, your closing rate will be much higher. These leads are expecting a call from an insurance agent; indeed, they want you to call them. Quality insurance leads are an agent’s dream come true. Of course, you will have to pay for these leads. But competitively priced quality insurance leads are well worth the investment.

Bharat Insurance Company (1896)


Image by bratboy76
Life Insurance in its modern form came to India from England in the year 1818. Oriental Life Insurance Company started by Europeans in Calcutta was the first life insurance company on Indian Soil.

All the insurance companies established during that period were brought up with the purpose of looking after the needs of European community and Indian natives were not being insured by these companies. However, later with the efforts of eminent people like Babu Muttylal Seal, the foreign life insurance companies started insuring Indian lives.

But Indian lives were being treated as sub-standard lives and heavy extra premiums were being charged on them. Bombay Mutual Life Assurance Society heralded the birth of first Indian life insurance company in the year 1870, and covered Indian lives at normal rates. Starting as Indian enterprise with highly patriotic motives, insurance companies came into existence to carry the message of insurance and social security through insurance to various sectors of society.

Bharat Insurance Company (1896) was also one of such companies inspired by nationalism. The Swadeshi movement of 1905-1907 gave rise to more insurance companies. The United India in Madras, National Indian and National Insurance in Calcutta and the Co-operative Assurance at Lahore were established in 1906.

This building now lies uninhabited in Mount Road, Chennai but maintained by LIC of India.

Story Courtesy: – LIC of India

Used in a Weblog

What is Professional Indemnity Insurance? an Easy to Understand Guide

Professional Indemnity Insurance (PI) is difficult to comprehend. However, I’ve devised a guide to make professional indemnity insurance simple.

 

What is Professional Indemnity Insurance?
Professional Indemnity Insurance is a form of business insurance for professionals who are in industries where others may rely on their professional advice. By being regarded as an ‘expert’ in a field, others may seek legal action against you if they suffer a loss from your professional advice.

For example, if you are an accountant and are responsible for preparing and lodging your client’s tax returns, a failure to lodge the tax returns on time can result in interest and penalties for your client. Your client could take legal action against you for a breach of your professional duty.

Professional Indemnity Insurance may protect you from such action by covering claims made against you, including legal defense costs up to your specified amount of cover, and after taking into account your excess (of course, you would need to look at your policy wording to look at what specifically is covered).

Why Do People Hate Thinking About Professional Indemnity Insurance?
Professional Indemnity Insurance forms the largest percentage of your business insurance expenses. Typically, Professional Indemnity Insurance is a time-consuming process taking up to 12 weeks. Again, it’s expensive and most people don’t know if they are getting the best deal.

This is where companies like BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live online quotes in under 2 minutes, and purchase in only a couple more. BizCover also allows business professionals to compare policies from leading insurance providers (AIG, Dual and Vero) to make sure that you’re getting the cover you need. By staying online, you are also benefiting from reduced pricing and costs.

So, make sure you visit BizCover Professional Indemnity Insurance for further Professional Indemnity Insurance info, and get a free 2-minute quote!

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Springfield IL – Horace Mann Insurance Corporate Headquarters (Architect: Minoru Yamasaki)


Image by myoldpostcards
The corporate headquarters of the Horace Mann Insurance Company was designed by Minoru Yamasaki (1912-1986), who is known for his designs of the World Trade Center in New York City, and the main terminal building at St. Louis-Lambert International Airport.

The Photoshop poster edges effect has been lightly applied in the processing of this image.

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You are invited to stay and browse through my photostream. Here’s a quick index to my Flickr site:

Springfield, Illinois: All of my photographs of Springfield and the Abraham Lincoln Sites are in this collection. For the City of Springfield, there are separate sets for the Capitol Complex, Downtown (including the Old State Capitol), Neighborhoods, Parks, Illinois State Fairgrounds (and past State Fairs), and more. Photographs of Lincoln sites include the Abraham Lincoln Presidential Library and Museum, Lincoln Home National Historic Site, Lincoln Tomb, and so on. Also in the Lincoln "All About Abe" (Set) are a few Lincoln sites not located in Springfield.

Central Illinois (except Springfield): Photos relating to the middle section of the "Land of Lincoln" (except for the Capital City of Springfield) may be found in this collection. Every city and town I’ve photographed is contained within its own set, and rural (as in "counrtyside") photographs are grouped by county.

Beyond Central Illinois: Other locales in the United States and Canada including New York, Chicago, San Francisco and Seattle.

In addition to my location-based sets, here are links to some "topical" collections and sets I’ve put together:

Automobile Photograph Collection: This is a very large collection of images whose primary, but not exclusive, focus is on American automotive classics. Images are organized by decade, by manufacturer, and by topics (such as convertibles, station wagons, muscle cars, etc.)

Barbers & Barber Shops: Traditional barbers and barber shops are on the endangered species list. But there are still plenty to be found if you go looking for them.

Almost Everything Else. Check It Out!!!: Included topics range from man’s first walk on the moon to small town schools and churches, and from Soft-Coated Wheaten Terriers (our favorite breed) to things that are abandoned, neglected, weathered, or rusty.

Thank you for visiting my photostream – myoldpostcards

Medical insurance coverage an issue for Las Vegas events

First, the good news: Surgeons at University Medical Center have successfully reattached the piece of skull that had been removed from bantamweight boxer Z “The Dream” Gorres, who suffered a traumatic brain injury after a November fight at Mandalay Bay’s House of Blues.

Now the bad news: Last week’s intricate procedure at the publicly funded hospital, combined with more than two months of around-the-clock nursing care and painstaking rehabilitation work by a team of physical therapists, has driven the medical expenses of the financially strapped Gorres to nearly 0,000. It’s a bill that Southern Nevada taxpayers must largely pick up, because state law requires promoters to put up only ,000 worth of medical insurance for each fighter in the ring.
The consequences of the Filipino boxer’s brain injury have prompted elected officials and the Nevada Athletic Commission to work toward crafting a solution that keeps taxpayers off the hook for the medical care of professional boxers.

But Las Vegas is home to lots of different events, and some are very risky. Could Clark County taxpayers end up footing the bill when other athletes or entertainers are hurt when performing here?

“We probably have more big events than any other city in the country,” said Dr. Dale Carrison, head of the emergency department at UMC and its chief of staff. “As everyone knows, Las Vegas is a magnet for that sort of thing. And if someone does get badly hurt, UMC’s trauma center generally takes care of them.”

NASCAR, National Finals Rodeo, Cirque du Soleil, daredevil stunts by the likes of the late Evel Knievel, the Las Vegas Rock ‘n’ Roll Marathon, National Hot Rod Association drag racing, championship boxing and mixed martial arts — these are just some of the major events held in Las Vegas.

A survey of medical insurance coverage held by individuals who engage in events or performances where there is risk of injury — the kind of events that thrill both live and TV audiences — has found that coverage can range from nothing to 100 percent.

Bill Rundle, a longtime promoter of Knievel, said last week that the motorcycle daredevil “who broke every bone in his body” generally couldn’t get medical insurance for his stunts because “they were too dangerous.”

“No one would write him a policy for something where there was a good chance he wouldn’t make it. It’s that way with most people who do those kind of things.”

Rundle also has promoted some stunts performed by Knievel’s son, Robbie, “and getting insurance was always a problem for him, too.”

Robert Zirkelbach, a spokesman for America’s Health Insurance Plans, a trade association for 1,300 companies, said it would not be uncommon for an insurance company to refuse to cover a daredevil, or to offer medical coverage at such a high premium that it would be difficult to afford.

Attempts to reach contemporary daredevil Robbie Maddison, whose successful motorcycle jump at the Arc de Triomphe at Paris Las Vegas wowed crowds on New Year’s Eve 2009, were unsuccessful. Maddison has suffered a number of serious injuries in stunts around the world.

Both Rundle and Zirkelbach said community leaders should be aware of the possible financial consequences should a daredevil be injured during a stunt in their community.

It was a 1967 stunt at Caesars Palace, Rundle said, that helped cement Evel Knievel’s reputation as a performer who would risk his life to entertain an audience. When Knievel attempted to clear the casino’s fountains on his bike, he took a nosedive that landed him in Southern Nevada Memorial Hospital — later named UMC — for several weeks with multiple pelvic fractures.

“That was early in his career, and he didn’t have money to pay his medical bill,” said Rundle, who talked on the phone from the Mayo Clinic in Arizona where he is being treated for cancer. “I think there were a lot of medical bills he walked away from until he was making good money. Then he had enough to pay them out of his pocket.”

In 1974, the city manager in Carson City said police would arrest Knievel if he reappeared in the state because he didn’t pay a hospital bill there that he incurred in 1968. Knievel ended up in a Reno hospital for 22 days after he unsuccessfully attempted to jump 16 automobiles on his motorcycle.

A collection agency representing Southern Nevada Memorial finally caught up with Knievel in the 1970s, the decade when he netted more than million for his failed Snake River Canyon jump.

The Review-Journal reported that Knievel had “rolled up” a bill of ,249.51 for his 1967 hospital stay in Las Vegas.

“The cost of medicine has gone up over the years,” UMC’s Carrison said.

EVOLUTION OF INSURANCE

Although daredevils have a difficult time getting insurance, NASCAR drivers don’t.

Jim Hunter, spokesman for the stock car motor racing giant that has a race scheduled in Las Vegas next month, said each driver and crew member now has a medical insurance policy of slightly more than million.

“Even that may not be enough if something really terrible happens,” Hunter said in a phone call Thursday from Daytona Beach, Fla.

In 60 years, Hunter said, medical coverage has grown from ,000 to its present ,000,050.

“As the sport grew, there was more at stake,” said the 70-year-old Hunter, who is currently undergoing treatment for lung cancer. “At first, guys were racing as a hobby. They weren’t making a living out of it.”

Hunter said the 2001 death of driver Dale Earnhardt at the Daytona Speedway energized safety efforts by NASCAR, including collision absorbing walls and new head and neck restraints for drivers.

“But no matter what we do, accidents can and will happen and our medical insurance reflects that,” he said.

Like NASCAR, medical insurance for participants in the National Finals Rodeo has dramatically increased over the years.

Jerry Ford, who has written coverage for the Professional Rodeo Cowboys Association for decades, notes that the present coverage of 0,000 is a huge jump from “where we started years ago.”

“When we first started in the ’70s, the maximum limit was ,000,” Ford said. “It wasn’t until the late ’90s that we got limits above ,000.”

Since that time, he said, there have been only 10 or 12 performers who “maxxed out” their medical coverage.

One rodeo performer who Ford is certain did that in Las Vegas was bull rider Tuff Hedeman in 1995. Participating in the Professional Bull Riders World Championship finals, Hedeman was bucked off by the bull Bodacious and suffered severe facial injuries.

“I was the first doctor there,” Carrison said. “It was awful. He ended up needing 11 plates in his face.”

Hedeman stayed only a few days in the hospital after his plastic surgery.

“There was never any question about his paying the bill,” Carrison said. “I’m sure I would have heard about it.”

Both Carrison and Ford said rodeo participants hold fundraising rodeos to pay off such bills.

Don Andrews, who was part of the Justin Sports Medical team at rodeos for years, said, “PRCA cowboys don’t walk away from bills. They get together and pay them off.”

Ford said he would not be surprised if bull riders suffer catastrophic brain injuries similar to a boxer’s. “Unfortunately, head injuries happen frequently.”

The most tragic bull riding incident in Las Vegas occurred in December 1994 when rider Brent Thurman was bucked off a bull. The huge animal, Red Wolf, stepped on the back of his neck.

Thurman suffered facial and cranial fractures and massive internal bleeding. He was treated at UMC. Like Gorres, the boxer at the hospital now, Thurman’s brain swelled. After spending six days in a coma, the 25-year-old Thurman died.

PAYING THE PRICE

Many boxers have seen their careers end in Las Vegas.

From 1995 to 2005, 10 fighters sustained career-ending brain injuries in Nevada, with two boxers, Leavander Johnson and Martin Sanchez Jr. both dying from subdural hematomas, the same brain injury Gorres sustained.

Because of federal privacy laws, UMC officials are unable to release the medical records of fighters, athletes or entertainers to whom they gave care. Gorres’ wife gave UMC permission to release her husband’s medical information to the Review-Journal. He was released from the hospital last week and is staying with friends in Las Vegas while undergoing rehabilitation.

Despite the lack of such information, UMC officials said Gorres’ case is an indication that UMC has not been reimbursed for care that could reach into the millions of dollars.

While thousand of people each year are mesmerized by the beauty and grace of the Cirque du Soleil shows in Las Vegas, there’s no doubt the acrobatic performers engage in risky maneuvers.

Audience members watched in horror in 2007 when two performers fell from as high as 35 feet during a “Zumanity” show at New York-New York. Both hit the stage; one performer was left in critical condition. Both were treated at UMC.

But the cost for medical care for Cirque performers, according to show spokeswoman Ceres Hill, is fully covered by the organization’s insurance plan.

The thousands of participants in the Las Vegas Rock ‘n’ Roll Marathon basically fend for themselves when it comes to health insurance, spokeswoman Lee Haney said.

Last year, Eric Reitman, a Las Vegas resident who collapsed near the end of the half marathon, died.

Less serious health problems are common, Haney said.

“Whenever you have more than 20,000 people involved in an event, you’re going to have some injury,” she said.

Marathon participants often buy a personal insurance policy through USA Track & Field, Haney said. Though repeated phone calls to the organization were not returned, its Web site said individuals can purchase a policy that has a maximum accidental bodily injury payout of ,000.

Just how much, if any, medical coverage is carried by drag racers competing in the National Hot Rod Association events seen frequently at the Las Vegas Motor Speedway is unknown.

“That’s not something we want to divulge,” association spokesman Anthony Vestal said.

Community leaders should make sure they know how much medical insurance coverage is carried by performers in risky events, Carrison said.

Not taking action when coverage seems insufficient can be costly, he said.

“We’re seeing that right now with what happened to that poor boxer.”