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With all the controversy and bad publicity about indexed annuities, surrender charges and unethical sales practices are you having trouble attracting qualified annuity prospects to you? Are you having trouble setting appointments and closing sales with retirees? Would you like to know how the top annuity producers are easily overcoming these problems? During the past several weeks we've had a flood of advisors calling us because their annuity seminars, newspaper ads, and direct mail programs aren't getting the results they used to get. These advisors are either looking for: a new foolproof way to generate annuity leads, preset annuity appointments, a new dynamic sales approach, a new exciting PowerPoint seminar presentation… or they're looking to get into an entirely new market. After talking with these advisors it obvious to me as to what their problem is. However, most of these advisors don't want to hear it. And, when they do hear it, they don't believe it. Ther...

Car insurance as the name suggests is an insurance which is purchased to insure a car. The insurance company pays for the damage occurred due to accidents. Some insurance companies also pay for theft also. Also many companies cover damage to the person driving the car. Many companies provide quotes before purchasing insurance. These quotes contain information about what you are paying for. One can get many discounts from various companies on different insurances. These discounts can be easily understandable when a person gets through many insurance quotes. This article focuses on different discounts that can be achieved in various states. These discounts are not fixed and not every insurance company provides them. One should contact the insurance company agent and ask him if their company provide these discounts. Some of the common discounts which various companies provide are: - 1. Some companies provide heavy discounts if you buy insurance for multiple vehicles. For example if the c...

There are several exciting and dynamic life insurance selling systems available today that will help you to close large life insurance sales. There's the LEAP, Missed Fortune, Infinite Banking and Circle of Wealth Systems, along with the various 'College Funding', 'Equity Management' and 'Mortgage Early Payoff' sales systems, just to name a few. All of these systems may be fine ways for you to learn how to sell lots of life insurance, once you are in front of a prospect. Regrettably, the vast majority of these systems are primarily just a sales system… and NOT a real marketing, or a lead generation system. Yes, they'll give you one or two ways to generate leads that has worked for the creators of the system, like running ads in the newspaper, sending out post cards, or buying leads. However, the lead generation methods they use do not work for everyone, in every part of the country. And, they tend to be very expensive to implement. And, no matter how go...

Auto insurance brokers are the people that can actually write insurance policies. They are the ones that are licensed to operate an insurance agency and they are also the ones that hire and train the auto insurance agents that staff most agencies. They are typically licensed by the state and have more experience than the agents working under them, but can they save you money? The answer is yes they can save you money, but not as much money as you could save yourself if you were to shop for your car insurance online. Some auto insurance brokers specialize in finding low quotes for their customers and for many years this was the only way to find a great deal on car insurance. Now consumers have another option; they can shop online for their car insurance and cut out the middle man. Shopping for an auto insurance policy online is the surest way to find the best deal on car insurance. The reason for this is that when you shop online for vehicle insurance you are able to view quotes from m...

With the country well into its worst recession for some considerable time – although nobody knows how long it will last – property owners may find that some tenants are facing financial difficulties. Residential landlords could see tenants losing their jobs and having to rely on state benefits to pay their rent – which is okay if the money reaches the property owner. Whilst owners of commercial property could see tenants going out of business – in which case there is generally nobody who will pick up the tab. Worse still, the landlord may have to cover such items as insurance and business rates, with no income to cover them. As a result, this could lead to some property owners seeking to save money in any way possible and looking at their landlords insurance costs could be one of these. But with the cost of commercial fire claims last year 15 per cent higher than 2007 – and domestic fire costs up 17 per cent – there are significant dangers in looking at property owners' insurance...

Getting in a car accident can be a very upsetting experience to say the least, and dealing with the aftermath can be equally upsetting. At least the car accident is over in seconds. Auto insurance claims can take weeks to be finalized. Making it through the process will be much easier if you have an idea of how to file an auto insurance claim. After the accident the first thing you should do is to make sure no one is injured. The next thing to do is to call the police. Even if the accident is minor the police should be called. They will be an impartial witness to the accident and make sure that all of the paperwork is handled correctly. The next step is to exchange information .This means you should get, and give, all drivers license information, insurance information, and the license plate number. It is also very important to get the telephone number of the other driver. This is also a good time to look for any witnesses to the accident. If there are witnesses ask them if they are wi...

People often wonder what the difference is between auto insurance companies. They assume that they are all pretty similar and so they don't bother to do a lot of comparison shopping when it comes time to purchase car insurance. This is a mistake that can come back to bite you were it hurts; in the wallet. Car insurance companies are very competitive with one another which is good news for you as the consumer. These companies are competitive, but since insurance is so tailored to the individual consumer some companies will have better deals than others for certain classes of drivers. This is where shopping for auto insurance online comes in. By visiting an online auto quote web page you can get quotes from as many as five different companies at a time. You may be surprised to know that the difference between these quotes can be several hundred dollars in some cases. The reason for the difference is that different car insurance company's use different statistical models when in ...

For those who managed to get their driver's license suspended due a number of reasons, including: DUI or Driving Under the Influence arrests, driving without coverage or causing an auto accident without carrying any sort of insurance, and getting too many traffic tickets and violations in a short span of time, the first step in getting your driving privileges restored is to find a car insurance company willing to grant you coverage and file the necessary SR 22 form. For those not familiar with SR22 insurance, it is basically a form submitted by an auto insurance carrier giving proof that a driver carries the state minimum insurance requirements. This is vital in order to get a suspended license back, especially for drivers who have exhibited risky or dangerous driving habits such as drunk driving arrests and too many car accident involvement. Not all car insurance companies are allowed to file the form, so it would be necessary to get in touch with your state DMV (Department of Mo...

Choosing an auto insurance company is a decision that can either save you, or cost you, several hundred dollars per year. You would think that finding a car insurance company would not be too difficult. After all how different can they be? It turns out they can be very different as many drivers would be happy to attest. The automobile insurance company you choose should have competitive rates, responsive customer service, and an efficient claims process. Finding this information is easier than it has ever been due to the wealth of information that exists on the Internet. Finding this information online can be done by most people fairly easily. It is easy enough to find the price for auto insurance from each company by visiting an automobile quote web site. The prices will be displayed in a few minutes after answering a few questions. The level of customer service is also easy enough to gauge just by making a few simple phone calls. By calling a prospective auto insurance claims depart...

Working for a company is a big risk because you may not be reimbursed if you get hurt. Although a company gives you medical insurance, that doesn't mean you get work men's compensation. This means if you were injured while working or while on the job premises clocked in, you get some type of reimbursement. Employers must pay close attention to insurance for workers compensation. Your reimbursement can be in a variety of different ways. If you got two fingers sliced off in a factory, you may get your medical bills paid and money for loss of wages as well as your recovery or rehabilitation paid for. Now not all companies offer all of those if any. Some companies may have a worker's compensation plan that offers one, two, or none of those benefits. If you were to die on the job, your company may give you what can be considered life insurance. This means that they may give you a monthly or weekly sum to your family because of your death. Along with those benefits a business...

Most people have little or no clue how to go about getting SR22 insurance after getting their driver's license suspended. In fact, some haven't even heard of it until after getting their licenses revoked due to causing a car accident without carrying insurance, had been pulled over for drunk driving, or has had too many unsettled traffic tickets. If you are in a similar situation, here are some very important information if you need to know what is an SR22. What Is An SR22? It is simply a form submitted by an auto insurance company, in the driver's behalf, to the state DMV or Department of Motor Vehicles, and is the part of the initial process to get your driving privileges reinstated. This form is also a way for the state to monitor the driving behaviors of risky motorists and ensures everyone's protection by requiring this drivers to carry enough car insurance coverage. How Do I get One? You must find an authorized car insurance company to file this form for you. Asi...

Many people look at shopping for car insurance as a chore that needs to be done, but in reality it is an opportunity. The opportunity to save a few hundred dollars a year doesn't come around very often so when it does you should take full advantage. One of the great indicators that an insurance company is worth doing business with is to check the auto insurance ratings. These ratings are determined by independent companies who collect data from thousands of customers in order to determine a rating. These ratings are great indicators of how well a company does as reported by its own customers, but they are not foolproof. Some people would be happy to trade a below average customer service rating for a less expensive auto insurance policy. So it is important to decide what is important to you when choosing a car insurance company. The single most important thing that you can do when searching for automobile insurance is to gather as much information as possible. The consumer ratings...