Insurance tips box

 Restaurants on here I want to see the real quick video for you because I can talk faster than I can type and answer your question your concerns were about final expense and some of the frustrations with it and it brought me back to my original decision to focus more on that sucks then final expense and it was a difficult one because of The Upfront money with final expenses no doubt higher however it was during my first week that I can remember was a $5,000 week working part-time doing final expense that I've been into a house it was a trailer home and as soon as I walked in the first it was hotter than Hades and there there's no air-conditioning and the roof was said then when I went in there and the man had no money to pay the power bill he had no power and that was the kind of demographics that you're used to going into of course with final expense insurance so I took a picture of that with my Blackberry back then send it to my wife and said never again and I was my best

 Resume Berry supermatic supermatic recent work systematically stay in touch with all the clients at one time using the tools are available that we talked about Medicare agent training.com begin to cultivate a culture live in a senior community that they revolve around that you need a medical expert and it doesn't matter if they're in South Carolina or South Dakota word for making an impact on people's lives even over the telephone when using video technology like sharing screen and putting the video on the screen so that they get to know like and trust you listening to build a tremendous residual walk away and come and I'm running late you can just about ready to roll out of bed or roll over in bed you still going to get paid that's true but there's a little bit of residual income so your stress level continues the table so if you don't have that car accident that chronic illness something happens when you can't get out of bed and go to the clients all

Hey it's Christmas I'm often asked by the agency were considering coming in joining me with Medicare supplement marketing or even life insurance with senior which way should I go which way should I focus my efforts so I can make the most income and it's kind of a difficult question because it really depends on what your current needs are the comment answer is well there with the money years however there's 2 different kinds of money as you can see in my little bold this will back over my shoulder this one time and come and what is residual income see which one they were after and I was saying if you can pay your bills right now with whatever you're doing currently if you can maintain doing while you're building your residual income your Empire on the side keep doing that thing but devote more and more time starting a family with the residual income Focus hybrid how did I get started as soon as your life insurance which I thought was very lucrative and it is befo

the supermoon the flavors you love on the go so you never miss a Beat that's the competitive Advantage for Campbell's Soup at hand and want to try and still down to that kind of a comment and your project so one way to really understand how to talk about your competitive advantage Picture Coast competitors are what kind of products or services do they have that are similar and how do you position your products against it so there might be quick ways to get Progresso soup soup at hand but blue is by the way progressives brand color how does animals compared and specifically stupid hand compared to Progressive and how would you convince a consumer to purchase your product or service over there so in this case progresses I'm going to talk about the convenience and I'm going to talk about the features. So I've done a lot of talking and scribbling and that's all wonderful as you're giving a presentation and in particular as you're writing a plan there is a st

 the Samsung Galaxy Gear protrain iPhone 5 users and couldn't answer all trying to fit in and get the new iPhone but the Samsung users are going a different way there go ahead of the curve and I don't care if people know that are not there just alright how are you Value family are you an impulsive Shopper are you going through a life change for example I think you just have children or your children leaving the house have you retired are you in the middle of your career all questions to ask about your customers you put together a profile again if you're interested customer profile videos are coming and I will make sure to mention them in the video description so that you can learn more but let's use our example of this of this woman for a customer profile and I'm going to name her salary right now it's important to name your customer and your customer profile that we have school-age kids like to play soccer I'm just going to soccer it's one of the more p

 where are taxes going in the future no one knows except based on the fact that our country has today we believe that tax rates can only go up and if you look back at the history of tax rates it showed from 1997 to 2016 and 44% of the Equity Fund investor gains or losses so they can do an extremely important for capital gains rates going up examples of traditional IRA example of 39.4 The concept that works for the majority of our clients and therefore maybe that's not the best bucket to say that by no means does it mean you shouldn't say that but maybe we look at the other buckets the non-qualified bucket in the life insurance as a retirement plan but it hasn't none other mechanisms are ways to save for retirement where are taxes going in the future no one knows except based on the fact that our country has today but we believe that tax rates can only go up and if you look back at the history we see tax rate today increase their capital gains rates going this is another con

Sit on the last episode what kind of limitations I have over here on the right through it as much as Ronald Reagan change the law but back in 1983 for what he felt was fair that she felt that people were wealthy people just sticking their money in life insurance and pay no taxes they said I think you have to buy some life insurance and he put some rules and the fact that we have to follow today so we have to have basically even if we're trying to play Down the life insurance we have to purchase a certain amount of life insurance for a certain. Of time therefore it's helpful if people in fact have need for the life insurance so that we can have that currently 5% and that's awesome so we can have a million-dollar policy with 950000 in it the reason most people drop their policies light just went off because they don't have to pay it because 50000 and 950000 also at risk so we might be a couple thousand dollars for the insurance and make 67 to $80,000 inside that continue

 Listen we're talking about using tax free income from life insurance as a tactical tool and retirement with retirement Consultants bullet game is I want to give my clients the most net spendable income that's the goal that's that's our goal and we're going to have to use qualified money and non-qualified money maybe reserves like Equity home equity in our homes but there's a wealth of 1/12 in your house we need to look at everything and put it on the table because our goal and end leave you but you've proven this in your practice if you would let me talk about taxes and manage it you said if I can do that I can probably increase your actual take-home pay maybe 20% just texts and that doesn't count of the other issues that we get to look at but the one that people really are out of touch with is where they are asked in a text. The fact that this is almost always their greatest expense and when we can manage that and get them understand that that it's

 coverage sometimes 75% of customers that coverage to make sure you're covered properly but then you're also saving premium dollars example of 70% coverage insurance for a lot of personal property does not have that many clothes right exactly you to go ahead and delete that number to have a better fit your your plan some will just say no you have to go to the 70 or 75% loss of use what is that so that coverage limits available is that if there's a covered loss and your home and your not you can't live there that loss of use policy policy feature will allow you to have a pool of money to go on with your standard of living why are homes being restored and liability insurance right so again liability insurance just like on the auto what that liability here is going to protect you for as a people come on your property trip and fall see or negligent and anyway that's where that liability coverage comes in and listen to what's on the standard policy there are some rec

 the supermoon the flavors you love on the go so you never miss a Beat that's the competitive Advantage for Campbell's Soup at hand and want to try and still down to that kind of a comment and your project so one way to really understand how to talk about your competitive advantage Picture Coast competitors are what kind of products or services do they have that are similar and how do you position your products against it so there might be quick ways to get Progresso soup soup at hand but blue is by the way progressives brand color how does animals compared and specifically stupid hand compared to Progressive and how would you convince a consumer to purchase your product or service over there so in this case progresses  I'm going to talk about the convenience and I'm going to talk about the features. So I've done a lot of talking and scribbling and that's all wonderful as you're giving a presentation and in particular as you're writing a plan th

 the Samsung Galaxy Gear protrain iPhone 5 users and couldn't answer all trying to fit in and get the new iPhone but the Samsung users are going a different way there go ahead of the curve and I don't care if people know that are not there just alright how are you Value family are you an impulsive Shopper are you going through a life change for example I think you just have children or your children leaving the house have you retired are you in the middle of your career all questions to ask about your customers you put together a profile again if you're interested customer profile videos are coming and I will make sure to mention them in the video description so that you can learn more but let's use our example of this of this woman for a customer profile and I'm going to name her salary right now it's important to name your customer and your customer profile that we have school-age kids like to play soccer I'm just going to soccer it's one of the more p

 we know that we have a very deep strong relationships to gray go have to spend a billion but we need to do a better job of being consistent help grow as an industry you don't answer people blame the tools not to mention this kind of before a lot of people want to blame the concept of our lack of tools how lack of mobile responsive websites and being able to communicate through devices such as Pakistan the fact only 19% of Independent Insurance Agents have adopted a signature which is an absolute no brainer product but so many have not done it they want to bring to us I don't think it's two of them redo as an industry again  looking over the wide scope redo struggled to adapt technology quickly we tend to fight it till it's no longer you mean we can't perform our business until we adopt are with a few exceptions but I don't actually think that that's what holds us back actually think that it's it smaller my agency only impact the footprint of the small g

 they can they can show this depiction and I'll actually resonates With Their audience so that's a big part of this is a commercial scale try to defend our industry against this perception is a big part of why I'm here and why I'm talking to you today Google compare right Google is coming to the market they had originally coming to the UK there now in California so it should have been making the way across the country and pretty soon insert results and your geographic region Google compare there a comparison platform for today auto insurance I most likely more products in the future is going to be showing up If you want to I thought you'd ostrich style and interesting your head in the sand or you are go are you can see this coming you're willing to take it on his up to you either way this is going to impact our business and it already is starting to impact our business because even people who do not necessarily jump over to this type of insurance right away it&#

 we want to try to identify and ferret out of our Prospect pool in addition to that we also has a part of that output we can determine whether or not they're operating an increasing decreasing or constant returns to scale excuse me and then for those agencies that are not on the right fish in front to your will how much is there shortfall in each product type not in our creative process so we have this distribution Network we make it bigger we have underperforming agencies that we're going to call how to leave how to identify those that we are going to call License to sell in Westfield products for mathematical approaches used 8 envelopment analysis in order to be able to do that and what we identify them as our 80 agencies that end up using an output orientation if we're dating don't know this was here till then gets scraped off and hand it off for predict process those are those are the model agencies that we want to try to identify and ferret out of our Prospect pool

 in there over 300,000 independent agencies in the United States not just the 21 states that Westfield operates in but Nationwide so how can we take to the third-party David and bridges the Gap that we currently have to go for what we know as certainty about the agencies today to what we what we can expect from those prospects in the future world see using collaborative filtering then to give the decision-maker some other measure a page this agency is very similar to these other five agencies you currently have the relationships with and exposure to and you're in your Fleet today and here cells similar that they are to give them a better understanding then of how well that agency will fit with the current Fleet if they were to be appointed and then all of that all the data prep from our prepare process as well as the Dayton 20 ounces from the prescribed in the Predictive Analytics outputs from the collaborative filtering logistic regression feed the previous present process to enab

 the digitization of the insurance process if you compare because you're traveling as an insurance industry against those who say that the national can you can you give me the meaning of all I really 54 degrees item or not to go around the world and I think the thing that I notice most is that an Emerging Markets especially nice to each other that's where most of the Innovation is actually coming from you you see products have never seen in any part of the other part of the world where they completely rethink business if you look at their product and you don't know if its life insurance health insurance or P&C it's just life experience and risk management kind of product which is very very interesting 3 digit times and I think the reason is there's a huge boom in those markets new middle-class coming they don't carry as much of the baggage from older older Legacy environment says they used to have so they can start afresh in the older industrialized economie

 Health insurance is designed to help you and your family cover the cost of your medical care including doctor visits and prescription medicine similar to car insurance if you're responsible for paying a specific amount for premium each month whether or not you use any medical services in return your insurer will pay a portion of your medical costs should you or a family member gets sick or injured should keep in mind that your plan will likely require you to pay a portion of the expenses using your own money these out-of-pocket costs may include my deductible co-payment and coinsurance amount of deductible is the amount you have to pay out of pocket before your plan will pay any expenses this can include both medical and Pharmacy expenses meaning the deductible must be met before getting coverage for some or all prescriptions so for example if your deductible is $1,000 your plan won't pay any of your health care costs until you paid $1,000 in expenses out of pocket once you

 Hi my name is David alemian host of the it's about money radio show I'm also a life insurance agent and a life insurance recruiter and trainer case question is how to get more life insurance clients you know I'm asked that question by new agents and  Veteran a chance every age once more clients well I should find a way to get more clients to increase your activity whatever activity will have for getting clients in the first place for example if you have a lead program try stepping up that leave program if you are mailing out 500 letters and postcards a month try sending out a thousand you'll probably get twice the response  you have twice as many clients pretty simple if you're buying leads so you're buying 40 lines a month Try by 980 lines a month or try dying 100 lead someone to 5 words and have more activity another way is to hire a telemarketer you see a telemarketer you could give you a link to  a telemarketer and that telemarketer would simply focus on ge

 Hi my name is Doug Weaver on principal agent and owner of strategic insurance services and today we're going to talk about how to become a successful insurance agent something very close to my heart the first thing I would say is you got to have integrity that term gets thrown around a lot these days go with her and runs and World comment all the scams out there especially in the financial world people are oftentimes distrustful of people in the Insurance and financial services business so when you have integrity and I always put the client's interests above your own always I can't stress that enough if that's not something you think you can do this is clearly their own business. The second thing I would say his service you got to serve the needs of your client you got to be able to ask good questions you got to be able to uncover what the client not only me but what they want and you gotta be able to follow up with that client so many times in our business again there

 Let's talk about health insurance options for college students many colleges and universities require their students to have health insurance before they can enroll in classes so if your students and you're not covered by a parent or Guardian health insurance policy it's time to take notes Health reform allows children to stay on their parents health insurance plan until age 26 which can be a great option if you're going to school near home or have a pre-existing medical condition if that's not you this article will identify three additional types of independently purchase health insurance plans that are typically available to students will compare them to see how they differ and will offer a few considerations to help you pick the right plan for your name the federal government is considering changing the rules regarding student health insurance plans if the rules change wheel update the contents of this article if you're a college student you may have more th