Author: Willie Frazier (page 2 of 2)

How to Not Get Robbed and Ripped Off When Selecting a CCTV Organization or Buying a CCTV System

Always Choose a Guide by it’s Cover

1.) Appearances

1 of the initial indications that a CCTV business may possibly be difficulty is inadequate personalized appearance. When you meet with the operator or any consultant (installer, salesperson, and so forth) of a CCTV organization, how well (or poorly) is this particular person dressed? If it is the operator or salesperson of the organization, is this particular person neatly attired or does it appear like they just climbed out of a chimney (properly, maybe not that undesirable but you get the idea)? I know personally, when somebody arrives at my property to do a contracting work (landscaping, concrete, electrical, and many others) I expect them to show up a certain way and to not look a particular way. I know the proprietor of a now defunct CCTV firm that met with the operator of a trucking firm for a CCTV set up. This was a assembly amongst the two heads of firms and the final action before the agreement was signed. This was only a $forty,000 job so it was no big deal, right? From my robust guidance to gown for the celebration, he arrived at the meeting in shorts, a polo and pair of New Balance sneakers (he was on his way to an additional task he was finishing). Can you guess what took place? He did NOT get the occupation. He refused to dress in a organization-like manner and missing a $forty,000 set up (in 2004 dollars) because he arrived searching like he was on vacation. The bottom line is this: if someone arrived at my enterprise to go over a task and they did not appear considerably specialist I would NOT do company with them. Would you?


· Equipment. Are they shoddy? Do they have filthy or damaged equipment? I would even go so much as to pay consideration to how they handle them and how they are structured on their truck or van.

· Vehicle. Is the owner’s/salesperson’s/installer’s car, truck or van defeat-up and/or rusted out? Is it lettered? I know that absolutely everyone has to begin somewhere and may not have the nicest truck or van with the greatest (or any) lettering and graphics. But, if they are driving some junk auto that is prepared to drop apart and not properly-taken care of, you may possibly want to rethink.

· Gown. I just lately observed a dude in a C-keep that was covered in paint head-to-toe. He appeared like a walking, talking Pollock masterpiece. Now, perhaps he experienced a actually negative day. Maybe these had been his only operate clothes (warning). But the bottom line is I would not want this dude carrying out a paint job for me. Why? He’s messy and I don’t want that at my residence or enterprise. Also, he does not treatment how he offers himself to his or his boss’ buyers (and his manager will not care, either). What kind of occupation do you believe you would finish up with? My uniforms? Spring/Summer season-camouflage cargo shorts and t-shirts with large business logo. Drop/Wintertime-camo cargo pants and long sleeve organization t-shirts/sweatshirts. They will not have to be the greatest or the most pricey, but they should be coordinated, the company title obvious and nicely-retained (I.e. cleanse).

· Spoken Word. How nicely do they existing themselves verbally? This tells me a lot appropriate from the starting.

How a CCTV organization proprietor, salesperson and/or installer offers himself, speaks, normally takes care of his motor vehicle, resources, products, web site (below) and even enterprise playing cards is a great indicator of how nicely he’ll get treatment of your task. Before, in the course of and following. There are usually exceptions to the rules. Just make sure you can live with them.

2.) Organization Website

How numerous men and women check out out or take into account a firm’s site prior to they do business with them? I do. Every time I am online browsing for a item or services, the extremely very first issue I look for is the format, typos, layout, effortless contact info, etc. I will not expect each firm to have the most expensive five hundred webpage site that expenses a fortune. Really it is the opposite. But if it does not display appropriately, has overlapping textual content and pictures, webpages are missing or no for a longer time exist, get in touch with info is not effortless to uncover or there is just a PO Box variety or it just basic seems like crap, I go away and appear someplace else.

3.) Inquiry Reaction Time

I uncovered early on (read: the difficult way) that anytime I wanted to sign up with a company for a new product or support I had to inquire plenty of questions and take a look at them, also. I also understood that I could not be in organization for myself with out obtaining the exact same kind of safety internet in location. I expended one particular year of my lifestyle tests a lot of various DVRs and the manufacturer’s buyer support, tech assist, solution flexibility, mobile phone and e-mail reaction occasions, tech understanding and know-how prior to I settled on the recent products I have installed in my residence and in my client’s firms. Why do all this? Due to the fact I want my clients to have the best attainable CCTV program and experience possible. When you phone or ship an e-mail to me, if I do not reply quickly, I will return them as quickly as I can. In the unusual instance that one of my consumers has an problem that I can not take care of, I want to know that my suppliers are likely to be there for me instantly. This is the way I do enterprise, this is the way I count on other people to do organization with me and you must appear for the exact same in the CCTV firm you strategy to employ or purchase from.

Customer Assistance. How great is it? Are the client help men and women pleasant, courteous and ready to assist you with any questions, details or assist you require? Do they transfer you about or not return mobile phone calls and/or emails?

· Tech Assistance. How excellent is this? Are the tech assistance men and women educated? Are they willing to go out of their way to assist you troubleshoot and/or repair your situation(s)? And if they can’t individually, will they uncover the individual who can? In brief, do they know what they’re speaking about? 1 of the most significant choosing aspects on no matter whether or not I will do business with any tech oriented business is how the tech section speaks to me. Do they talk down to me because they think they are “technically outstanding” to me or do they use a great deal of “techno babble” assuming I can’t comprehend them?

· Guarantee/Ensure. There IS a assure, sure? However most warranties anymore for anything are generally 1 12 months and this contains CCTV gear and is not quite remarkable. A great DVR is very refined products and must be backed up for a couple of years at least. What is the manufacture concerned of? Get this in creating.

· Response Instances. As reviewed earlier mentioned, you want to know how prolonged it will take to solution the cellphone (if they solution at all), return cellphone phone calls, answer or react to e-mail and how extended does it get? It is just a matter of professionalism and just excellent company.

You much better know all of this stuff before you do organization with any CCTV company or you may possibly realize too late that you received ripped off, ripped off and taken edge of and the only thing they at any time cared about was your funds. How do you discover this things out when you are searching around? Call. Ship an email. Question these (and more) concerns.

four.) No Business office

If the CCTV business you find in the phonebook or on the world wide web and are considering of having to pay to protect you and your organization has nothing at all a lot more than a cell phone or a post office box, will not give them your funds. You can contact the Better Company Bureau and the condition licensing bureau to see if there are any complaints towards them. A CCTV business must have an office someplace, even if it’s a place in his property and references at a neighborhood lender and accounts with nearby suppliers. A lot of six and seven determine a 12 months companies providing all goods and solutions are operated right out of the owner’s house. I have a house workplace for business and a garage workshop for all my product tests, established-up and configuration that I would not give up for the entire world. Make positive there is a legit physical area where they do organization from.

five.) The Low, Reduced Offer

There is certainly a handful of ripoffs that shady CCTV installers attempt to pull. This is 1: when you are reviewing prices and one of the salespeople/installers states he’ll give you a “specific lower price” that you must hold magic formula, go on instantly. The “mystery cost” is both:

(a) way lower than it ought to be and this dude is heading to do only some of the work just before skipping town,


(b) way increased than it need to be and he would like to keep you from evaluating it to other people.

Either way, when some company begins taking part in games like this it’s since they want to “do you a favor” and you need to get out of there rapid. The only favor you may get is obtaining ripped off.

The identical is true for a quotation that will come in way below the others. For case in point, you get 3 rates and 2 of them are around $6,000.00 and one particular is $3,200.00, for illustration. The minimal-bidding contractor is:

(a) clueless,

(b) he never ever plans to complete the job,


(c) you might be getting JUNK. Junk DVR, cameras, junk provider and ensure/warranty.

Another fraud (I could go on and on) is to bid minimal and then commence charging you added for materials and/or labor you imagined ended up integrated. Also, pay out close interest to how the contractor seems at your occupation prior to bidding. If he just eyeballs your web site and says, “Yeah, we did a job just like this and I’ll demand you the same,” or if he doesn’t take notes and measurements or make any kind of calculations, you could be dealing with a CCTV contractor who does not know or care sufficient to do a actually excellent occupation and/or install a actually great program.

six.) Technological Requirements (tech specs)

You Must know CCTV terms and technical specs Prior to you retain the services of an installer or buy a method. If you will not, how will you know what you are obtaining, paying for or if the system will do what you need or want it to do? No? You will not have time to understand this things and you’d just rather have confidence in the installer? Ok, hold out right up until you get ripped off or ripped off (and you will) or even worse-you have a dilemma and need a clear shot of someone’s mug and all you have is garbage VHS top quality photos from 50 toes away. If you know this things, how it functions and are prepared before you meet up with with the installer or get a system, you are going to know precisely what you are getting and you will know it will do what you want it to do and what it wants to do for you. CCTV methods are NOT “1 measurement fits all” and each and each enterprise operator will have exclusive demands. Any CCTV organization telling you different or any internet site (why do you believe all of the things on the web is so cheap?) marketing a “CCTV technique in a box” is uninformed or lying.

Some fundamental items you need to have to know:

· CCTV Formats. There are a number of varieties of CCTV surveillance program format resolutions, in pixel dimensions underneath, you need to have to familiarize your self with.

one. CIF- (360×240). Crap. Alright, at a single time, this was the common, but let’s face it: factors alter and what as soon as was appropriate ain’t no more. You will find not considerably to say about this other than it is aged and out-of-date and the top quality is equivalent to VHS tape (bear in mind people?). Be mindful simply because lower-conclude DVRs will nonetheless use this on a number of or all channels and you’ll be truly disappointed if you purchase a single of these. Nonetheless, CIF is used for the “extra stream” on D1 systems (see underneath) when you do distant viewing over your Smartphone or Pc, for illustration, so this is what you may be viewing.

two. D1- (720×480). Mpltac Really Very good. This is a popular structure for most CCTV programs today and most programs installed in excess of the previous ten a long time. Good method if done proper and has DVD quality video and 400% far more resolution than CIF.

3. 960H- (960×480). Much better. Can be referred to as WD1 (vast D1) since it has a broader, letterboxed image and can be related to the present RG-fifty nine coax cable from an more mature system. You are going to want a 960H DVR and seven hundred TVL Effio DSP cameras to take edge of the additional resolution. This is the greatest regular (analog) resolution CCTV format and has 34% far more resolution than D1 and above 500% a lot more than CIF.

four. IP- (1280×720/1920×1080). The Ideal. 720p and 1080p hi-def systems. An IP (Net protocol) camera program functions by turning movie and audio into knowledge then transmitting in excess of a community or Net link. Centralized IP cameras use an NVR for recording and decentralized cameras have recording functions built-in. IP cameras range in pixel resolutions from 1MP to 5MP and can only be utilized in an IP technique. One particular of the most important variables to consider with IP systems is the bandwidth necessary for each camera. What’s heading on in the camera’s subject-of-see (FOV) will impact bandwidth. A intricate image from a busy cafeteria, for illustration, will desire the greatest amounts of bandwidth. A largely static scene with less aspects, like an empty hallway, will require significantly much less. Also, the higher the mega pixel digital camera, the lower the frame charge you are going to get for recording. 720p-two hundred% more resolution than 960H, 300% much more than D1, a thousand% far more CIF. 1080p-200% more than 720p, 400% much more than 960H, 600% a lot more than D1, 2000% much more than CIF.

five. High definition-SDI- (1920×1080). The Very best. 1080p hi-def techniques. In contrast to IP methods, this functions generally like any analog CCTV system and in most instances can use the current RG-fifty nine coax cable from an older method and can conserve on set up expense, but a hello-finish Hd-SDI DVR and cameras can get pricey. Like any top quality 1080p technique, count on Blu-ray high quality video clip. two hundred% a lot more than 720p, 400% more than 960H, 600% much more than D1, 2000% far more than CIF.

6. High definition-CVI- (1280×720/1920×1080). The Ideal. 720p/1080p hi-def programs. This is likely to alter the CCTV globe as we know it. In the fall of 2013, Dahua Technologies introduced High definition-CVI hello-def CCTV programs. Essentially, just take IP and Hd-SDI, blend them collectively and this is what you get… but for waaaay considerably less. Lengthy cable operates (more than 1500 ft) can be utilised to transmit movie, audio and info (PTZ controls, etc). This system is very thrilling information! 720p-200% far more resolution than 960H, three hundred% more than D1, one thousand% far more CIF. 1080p-two hundred% more than 720p, 400% a lot more than 960H, 600% a lot more than D1, 2000% a lot more than CIF. Rumor-3MP cameras in the functions as of composing.

Buying Original Art Online

What’s new inside the art work world? Looking for art work on-line! Why? Why would anyone must buy genuine art work from an online based mostly art work gallery? On account of the enjoyment of discovering new artists and new artwork work is simply a click on on away! No matter the place you reside on the planet, while you’ve acquired entry to the net, you probably can experience and buy implausible art work. You can experience the art work world from the comfort of your home, office, or wherever you take your lap prime or PDA.

The selection is huge and quite a few. On-line galleries do not should rent bodily home so they don’t seem to be restricted. They may present a wide range of art work by artists. On-line there could also be room for a very powerful sculpture and paint with diamonds along with smaller gadgets. Media can fluctuate from metallic to oils, to ceramics, to one thing the creative artists can take into consideration. What gallery can you go to and uncover so many quite a few artists, completely completely different media, so many gadgets of art work? The place else are you able to uncover artists from all over the place on the earth in a single place?

You can browse to your coronary coronary heart’s content material materials at any hour of the day and night time time. No person follows you spherical, bugging you with undesirable chatter and particulars! You can think about art work that appeals to you and challenges you. You can take the time to visualise it in your home.

You’ll uncover many art work galleries on-line. However, for those who’re investing in art work you should purchase genuine art work. The prices fluctuate from tons of to 1000’s and tens of 1000’s of . Often you should buy an genuine piece of art work for the same value you would possibly pay for a print. Within the occasion you may afford only one piece then buy genuine art work.

When looking for art work:

  • You’ll want to know the size and medium.
  • Within the occasion you like a painting, my recommendation is that you just use butcher paper or newspaper and cut back out the size of the piece you have gotten fallen in love with. Cling it on the wall to make sure the piece fits.
  • Within the occasion you like a bit of sculpture or ceramics or one thing that is three-dimensional, guarantee you may have the home.
  • Most on-line galleries do guarantee satisfaction. You’ll want to use one which does.

National Marketing Companies – The 3rd Rail of Insurance

Many people are fully aware of insurance agents and brokers and what they do. They meet with clients and explain potential coverage and service existing business. People also know who and what insurance companies are. When you sign the dotted line, you are purchasing coverage from an agent who represents that company. However, there is a 3rd rail to the insurance system and they are called National Marketing Organizations or NMO’s.

National Marketing Organizations (NMO) are known by a few other names.

Field Marketing Organization (FMO)

Internal Marketing Organization (IMO)

National Marketing Organizations are “middle men” who promote and train agents and brokers on insurance products. They constantly recruit independent insurance and promote insurance products to them. When an agent writes business, the NMO receives an over-ride on commissions. The more agents they recruit, the more money they make.

Independent Agents

NMO’s recruit independent agents who are not contracted or captive agents with one insurance carrier. Think Allstate, Farmers, American National, North Western Mutual and MetLife agents. Independent insurance agents are often times referred to as insurance brokers. They are able to place business with any company they choose that fits their client’s needs and are not required to sell only one insurance company’s products.

Over-rides are Less Expensive

All but a hand full of insurance companies require agents to contract with a NMO instead of contracting directly with the insurance carrier. The Insurance Company wants agents to be trained and serviced through a 3rd party which creates competition among NMO’s for agent’s business. It is less expensive for the insurance industry to pay over-rides to marketing companies for training and servicing agents than it is to hire a few thousand home office people who have to train, service, and market these very same products. When business is down, the insurance company does not have to constantly hire and fire people according to fluctuations in business.

Time to Sell

National Marketing Organizations get contracted with multiple insurance carriers for annuities, life, disability, and long term care insurance. Some NMO’s like the one I used to work for started out just wholesaling annuities and eventually added life insurance to the mix. In order to keep contracts with insurance companies, the NMO has to submit a minimum amount of business or production to have that insurance company available to sell to their contracted agents.

Insurance Hierarchy

Insurance Company (s)




Insurance Company (s)


Broker Dealer/ Insurance Agency


Agent Commissions

Sometimes an insurance agency or a Broker Dealer is located in the commission hierarchy. Sometimes the agent will receive a cut in their street commissions or will be placed in a lower commission level. A street commission level is also referred to as the General Agent (GA) level and this means that they are receiving the highest level agent commission without taking a portion of the commission from their NMO.

NMO Commissions

Marketing companies receive an over-ride when an agent’s policies issue and pay out. The agent and the NMO are paid directly from the insurance carrier according to their respective levels. Agents and NMO’s can also be eligible for insurance company incentive trips, bonuses, and deferred compensation plans. Some NMO’s give their top performing agents additional compensation in the form of.25%-1% for their production. The reason why a NMO would do this is for a few reasons:

Something is better than nothing

It is better to have a big producer under your organizations instead of your competitors

A big producer can help a NMO achieve bonus levels with insurance carriers

Things to Look For when Choosing an NMO

· Training from sales people (Not Home Office People)

· Marketing and sales ideas

· Case follow up

· Technology

· Good Contracts

· Lead Systems (Most leads are horrible)

If you are an independent agent and are looking for a new or additional NMO to work with you should make sure the NMO will give you a release of your contract at any time. Make sure to get this in writing before you contract with them.

I cannot tell you have many times over the years that an agent could not move over to my old company because their current NMO would not release them. A NMO will essentially hold that contract as long as they can. Meanwhile, you will have to sell a different company that may or may not exactly be best for your clients needs.

Characteristics of Universal Life Insurance

As we mentioned in the previous article, universal life (UL) was introduced in 1981-82, in response to a historically high interest environment and a consumer awareness of the value of self-directed investments because traditional insurance could not compete with short-term interest rates.
Here are some characteristics as follow
1. Account Value
The account value of a universal life plan is the sum of the gross values of all the investment accounts within the policy, including income, after deductions for the current month expenses.

2. Cash Surrender Value
The cash surrender value of a universal life plan is the current account value, less outstanding loans and surrender charges. Surrender charges are usually based upon a multiple of the minimum required premium for the policy back-end charges are larger than front-end charges.

3. Premiums & Contributions
Premiums are those amounts needed to pay the cost of insurance charges and other expenses for the policy. Deposits are those excess amounts that are of a pure investment nature.
4. Death Benefit Options
The amount of death benefit payable under a universal life policy is based upon 1 of 4 different options
a)Level death benefit: Level coverage throughout the lifetime of the policy.
b) Level death benefit plus cumulative gross premiums: Death benefit increases by the amount of each gross deposit to the policy.
c) Level death benefit, indexed: The amount of death benefit increases, yearly, by a predetermined percentage.
d) Level death benefit plus account value: The total amount of death benefit is always equal to the initial face amount, plus the gross account value. This is the most popular chose by 90% of universal life insurance policies’ owners because
the gross account value is tax free.

5. Premium Flexibility
The premium deposits, plus accrued investment income, must be sufficient to pay for all expenses and deductions, so as to keep the policy in force, tax exempt life insurance contract, flexible premium.
Universal life is not for every consumer
It’s flexibility tends to be reflected in much higher administration costs than are found in traditional whole life plans and the variable nature of the plan may make it unsuitable for those clients wanting guarantees

I hope this information will help. If you need more information, you can read the complete series of the above subject at my home page:

Life Insurance Fraud

Life insurance fraud is a black eye on both life insurance companies and life insurance customers. Both parties have been guilty of life insurance fraud and will be again–especially since, sadly, fraud seems to be on the rise according to most statistical measures.

Research by the non-profit The Coalition Against Insurance Fraud concludes that life insurance fraud committed by all parties costs an average household $1650 per year and increases life insurance premiums by 25%.

Life insurers are most often guilty of insurance fraud in the form of their agents doing “churning”. This is where the agent seeks to cancel your existing life insurance policy and replace it with a new policy that is paid for by the “juice”, or cash value, in your existing policy. Agents do this to earn more commissions for themselves without having to seek new prospects for business. Churning can result in increased premiums for a customer and clearly costs them out of their cash value.

Another insurance fraud practiced by agents, however, is called “windowing”. This is where, being unable to attain a client’s or applicant’s signature on a necessary document but already having that signature elsewhere, the agent holds up a signed document behind the unsigned document, presses it against a window to make the light shine through, and traces over the signature with a pen in order to forge the signature of the client or applicant.

When big name insurance companies have their agents do bad things it makes big headlines, but the fact is that the public is far more guilty of insurance fraud than companies are. And of course making false claims is the thing they do the most, which is why all claims on life insurance death benefit payouts are subject to investigation.

But falsely stating background or financial income information is another form of insurance fraud often engaged in by consumers. They might be embarrassed by their medical history or income, or they may realize that if they tell the truth they will have their coverage diminished or their premiums will be very high. If a life insurance company finds out someone lied on their application they have the right not to pay the claim or not pay the full death benefit depending on the circumstances and the policy.

But there are things that buyers of life insurance can do to protect themselves against insurance fraud, since they don’t have the great investigative resources that life insurance companies do.

Remember, when it comes to life insurance, if it sounds too good to be true, it probably is. There’s no free lunch.

Save all of your life insurance paperwork, including getting receipts for every penny you give your agent, and never ignore any notifications from your life insurance company.

Life insurance is never free and it’s not a pension plan, although certain policies can indeed become self-funding–but they never start off that way.

Never buy any coverage that you feel strongly is unnecessary, never let yourself be pressured, and never borrow to finance life insurance.

Although it can be part of an investment portfolio, life insurance’s number one role is protection against the unforeseen–and most people don’t need life insurance in their later years. It is intended to be temporary.

Insurance Agents Name Choices – Insurance Specialist, Financial Planner, or Life Advisor?

Are you one of the plain insurance agents? Agents often prefer to upgrade their title as an insurance specialist or financial advisor on their business card. Names like life advisor reflect positive experience and knowledge. Which of these different terms distinguishes you from being just one of the insurance agents? Here are 101 top choices to pick from.

There is a lot more to a name then may realize. Calling yourself an agent or sales agent makes you sound run of the mill. It also projects the sound of a salesman trying to sell you something. Few people enjoy feeling a person is selling them anything, it stinks of pressure. This is why in this list of different terms you will see how high words like specialist, expert, and professional rank. The prospect gets a completely new perspective, just by the title you give yourself! Prospects closely take notice when an agent jointly works with them in reaching a decision on what is the best plan of action. Prospective clients want to feel like they are part of the decision process.

Important internet search tip: to get an accurate count use quote marks around your term, “insurance specialist” will only give you that term in that exact order. Without the quotes you would also get all instances of people searching terms such as specialist insurance, specialist in writing insurance claims, specialist in automobile insurance sales, etc.

To give this article value, in front of each of the insurance agents distinctions is the number of current Google listings. This way you can easily see how often internet views “insurance agent ” look-up terms like specialist, planner, representative, and. advisor. Please remember the Google count figures often change daily.

1. 10,600,000 = financial advisor

2. 6,690,000 = insurance agent

3. 4,280,000 = financial planner

4. 2,120,000 = investment advisor

5. 1,780,000 = insurance agents brokers

6. 1,600,000 = investment adviser

7. 999,000 = insurance guide

8. 735,000 = insurance specialist

9. 638,000 = financial expert

10. 604,000 = financial professional

11. 590,000 = financial specialist

12. 513,000 = life pro

13. 433,000 = insurance professional

14. 431,000 = health insurance agent

15. 322,000 = insurance expert

16. 271,500 = insurance salesman

17. 269,000 = life professional

18. 268,000 = life insurance agent

19. 253,000 = insurance consultant

20. 252,000 = insurance advisor

21. 244,000 = insurance sales representative

22. 219,000 = insurance manager

23. 218,000 = estate advisor

24. 217,000 = insurance executive

25. 189,000 = estate planner

26. 186,000 = independent insurance sale

27. 179,000 = insurance sales agent

28. 155,000 = insurance seller

29. 130,000 = insurance producer

30. 126,000 = investment representative

29. 120,000 = insurance authority

30. 119,000 = insurance representative

31. 112,000 = life agent

32. 107,000 = life insurance specialist

32. 104,000 = life specialist

33. 102,000 = insurance adviser

34. 89,900 = insurance sales manager

35. 86,200 = licensed insurance agent

36. 85,200 = insurance manager

37. 71,000 = health agent

38. 66,600 = insurance pro

39. 65,100 = insurance sales rep

40. 60,000 = insurance designer

41. 59,400 = insurance sales person

42. 55,600 = life consultant

43. 54,500 = group agent

44. 52,200 = ins agent

45. 50,100 = estate adviser

46. 50,000 = insurance pros

47. 46,800 = insurance counselor

48. 43,800 = financial pro

49. 43,400 = insurance salesperson

50. 40,200 = insurance sales specialist

51. 37,700 = life producer

52. 37,000 = insurance sales executive

53. 35,400 = independent insurance brokers

54. 34,700 = long term care professional

55. 34,500 = financial planning advisor

56. 33,900 = medical insurance specialist

57. 31,300 = health insurance professional

58. 29,300 = life insurance expert

59. 29,000 = insurance rep

60. 28,900 = financial planning advisor

61. 27,500 = health insurance specialist

62. 26,000 = health insurance advisor

63. 25,500 = independent insurance professional

64. 24,700 = employee benefits specialist

65. 24,000 = life advisor

66. 22,900 = life insurance advisor

67. 21,800 = life insurance sales specialist

68. 19,900 = life insurance professional

69. 19,300 = insurance producer

70. 19,200 = licensed financial planner

71. 16,200 = health insurance producer

72. 14,900 = insurance sales consultant

73. 14,000 = term life insurance broker

74. 12,800 = long term care specialist

75. 12,700 = annuity specialist

76. 12,500 = estate planning specialist

77. 12,200 = insurance marketer

78. 11,950 = life insurance representative

79. 11,900 = insurance planner

80. 10,600 = insurance sales professional

81. 10,400 = life insurance advisor

82. 10,200 = insurance writer

83. 9,650 = insurance recruiter

84. 9,480 = financial planning advisor

85. 9,030 = estate planning advisor

86. 8,570 = annuity broker

87. 7,520 = insurance general manager

88. 7,070 = insurance trainee

89. 6,800 = long term care insurance specialist

90. 6,670 = term life insurance agent

91. 6,440 = long term care insurance agent

92. 5,870 = licensed life agent

93. 5,300 = financial insurance agent

94. 5,270 = annuity agent

95. 5,080 = ins professional

96. 5,030 = medical insurance professional

97. 5,010 = disability insurance agent

98. 4,990 = employee benefits professional

99. 4,430 = mortgage insurance agent

100. 4,200 = disability insurance specialist

101. 3,900 = long term care agent

For your own sake, never tell prospective clients that you are one of 1,500,000 insurance agents licensed to sell life, health, annuities, and financial policies. The term insurance specialist or insurance professional immediately makes your prospect more confident of your abilities. However, please do not use the overused and abused terms of financial planner or estate planner unless you actually are qualified to be one.

If case, you are interested, here are more titles with over 1,000 Google entry occurrences that did not make the top 101 list. They include group health professional, ins specialist, insurance marketing representative, health insurance adviser, ins representative, term life insurance specialist, mortgage life insurance agent, insurance marketing specialist, disability insurance broker, life ins agent, term life agent, senior market specialist, life investment adviser, MDRT insurance agent, and insurance saleswoman.

Should you want to get more attention on major search engines like Google, Yahoo, and Ask, here are some tips. On the front of your website entry page, use the title and first line to put a more descriptive term about the services you provide. Rather than announcing “insurance agent for many products”, try this, “medical insurance professional and disability insurance specialist.” Both these titles only have about 5,000 competing entries, which could include 3,500 to 4,000 weak ones each. Now it depends on following the advice given, and internet search engine skills you possess. An internet searcher might now find you in the top 100 listings for each of the terms! On an “insurance agent” search, with well over 6,000,000 listings, it might take a 24/7 week to find you listed toward the end of the heap.

Well published author, Don Yerke likes to concentrate on what you don’t know or what no one else dares to print. Tell it like it is.

Twelve Secrets And Tricks To Buying Life Insurance

Secret #1: Don’t spend an excessive amount of time on a life insurance coverage quote.

Don’t be fooled by the low worth quotes you get on-line – they don’t apply to you except you might be extraordinarily wholesome. Statistically solely 10% of people that apply truly get the bottom priced coverage. The premium you find yourself paying has nothing to do with the preliminary quote you get on-line or from an agent. It’s wonderful to me how usually I see individuals getting duped by an agent who quotes firm X at a lower cost than one other agent.

Life insurance coverage insurance policies are the identical worth irrespective of who you purchase from! One agent or web site quoting a decrease premium means nothing. Costs for any given coverage relies in your age and well being. There are a couple of exceptions to this however that’s past the breadth of this text.

Most life insurance coverage firms have 10-20 totally different well being/worth rankings and no agent or web site can guarantee you the quote they offer you is correct. You need to apply, do a well being test, after which undergo underwriting (which means you full a mini-exam with a nurse in your house after which the corporate checks you physician information and opinions and ‘charges’ your well being) to get the actual worth of the coverage. Do not forget that a well being ranking additionally components in your loved ones historical past, driving file, and the kind of occupation you’ve gotten. Solely use quotes to assist slender down your selections to the highest firms. It’s possible you’ll need to think about a no load or low coverage. The extra that you simply save on commissions the more cash builds up in your coverage. You may even purchase time period insurance coverage no load, and save loads on premiums. You’ll not get the assistance of an agent, which can be value one thing if they’re superb.

A very powerful issue figuring out worth is matching your specific well being historical past with the corporate greatest suited to that area of interest. As an illustration firm X could be greatest for people who smoke, firm Y for most cancers survivors, Firm Z for individuals with hypertension, and so forth.

Secret #2: Ignore the hype on time period versus money worth everlasting insurance coverage.

You may go loopy studying what everybody has to say on shopping for time period insurance coverage versus a complete or common life coverage. Massive title web sites give recommendation that I believe borders on fraudulent. Merely put there’s NO easy reply on whether or not you should purchase everlasting money worth insurance policies or time period insurance coverage.

However I do suppose there’s a easy rule of thumb – purchase time period on your non permanent insurance coverage wants and money worth insurance coverage on your everlasting wants. I’ve learn in numerous journals and run mathematical equations myself which principally present that if in case you have a necessity for insurance coverage past 20 years that you must think about some quantity of everlasting insurance coverage. That is as a result of tax benefit of the expansion of the money worth inside in a everlasting coverage. I’m divorced and have taken care of my youngsters ought to I die. I most likely not want as a lot insurance coverage as I now have. I’ve earned a terrific return on my insurance policies and have paid no taxes. I not pay the premiums, as a result of there’s a lot money within the insurance policies. I let the insurance policies pay themselves. I might not name most life insurance coverage a very good funding. As a result of I purchased my insurance policies accurately, and paid virtually no gross sales commissions my insurance policies are most likely my greatest investments. I not personal them, so once I die my beneficiaries will get the cash each tax free, and property tax free.

Since most individuals have quick time period wants like a mortgage or youngsters at house they need to get some time period. Moreover most individuals need some life insurance coverage in place for his or her complete life to pay for burial, assist with unpaid medical payments and property taxes and so a everlasting coverage needs to be bought together with the time period coverage.

Secret #3: Take into account making use of with two firms without delay.

Life insurance coverage firms actually don’t like this “trick” as a result of it offers them competitors and will increase their underwriting prices.

Secret #4: Keep away from captive life insurance coverage brokers.

Search for a life insurance coverage agent who represents not less than fifty life insurance coverage firms and ask them for a multi firm quote exhibiting one of the best costs facet by facet. Some individuals attempt to lower the agent out and simply apply on-line. Simply do not forget that you don’t save any cash that method as a result of the commissions usually earned by the agent are simply saved by the insurance coverage firm or the web site insurance coverage firm with out having your premium lowered.

Plus a very good agent may also help you maneuver by way of among the complexities of filling out the appliance, establishing your beneficiaries, avoiding errors on choosing who needs to be the proprietor, one of the best ways to pay your premium, and likewise can be there to ship the test and help your family members if the life insurance coverage is ever used.

Secret #5: Take into account refinancing previous life insurance policies.

Most firms gained’t let you know however the worth you pay in your previous insurance policies has most likely come down dramatically in case you are in good well being. In the previous few years life insurance coverage firms have up to date their predictions on how lengthy individuals will dwell. Since we live longer they’re lowering their charges moderately dramatically. Beware the agent could also be doing this to acquire a brand new fee, so ensure that it actually is smart.

I actually am amazed at how usually we discover that our shopper’s previous insurance policies are twice as costly as a brand new one. In case you want new life insurance coverage think about “refinancing” your previous insurance policies and utilizing the financial savings on the previous insurance policies to pay for the brand new coverage – that method there isn’t any further out-of-pocket prices. We like to consider this course of as “refinancing your life insurance coverage” – similar to you refinance your mortgage.

Secret #6: Understand life insurance coverage firms have goal niches that continuously change.

Someday firm ‘X’ is giving good charges to people who find themselves slightly obese and the following month they’re tremendous strict. Firm ‘Y’ could be lenient on individuals with diabetes as a result of they don’t have many diabetics on the books – which means they’ll give good charges to diabetics. On the identical time firm ‘W’ could be very strict on diabetics as a result of they’re insuring a lot of diabetics and are afraid they’ve too large of a threat in that space – which means they’ll give a nasty price to new diabetics who apply.

Sadly if you end up making use of a life insurance coverage firm won’t let you know, “Hey, we simply raised our charges in diabetics.” They are going to simply fortunately take your cash if you weren’t sensible sufficient to buy round. That is the primary space a sensible agent can come in useful. Since a very good multi-company agent is consistently making use of with a number of firms she or he may have a very good deal with on who’s at the moment probably the most lenient on underwriting for you specific scenario. The issue is that that is onerous work and plenty of brokers are both too busy or not set as much as effectively store round on to totally different underwriters and see who would make you one of the best supply. It is a lot more durable than simply working you a quote on-line.

Secret #7: Don’t overlook customer support.

Most individuals purchasing for insurance coverage give attention to firms with the bottom worth and one of the best monetary ranking. Sadly I do know of some A+ rated firms with low charges who I might not contact with a ten foot pole just because it’s simpler to offer delivery to a porcupine backwards then it’s to get customer support from them.

Earlier than I understood this I used a life insurance coverage firm that gave a shopper a terrific price however 2 years later the shopper known as me and stated, “I’ve mailed in all my funds on time however simply acquired a discover saying my coverage lapsed.” It turned out the corporate had been making a lot of again workplace errors and had misplaced the premium fee!

We have been in a position to repair it as a result of we caught the issue so early. But when the shopper occurred to have died through the quick interval the coverage had lapsed, his household may need had a tough time proving that the premium had been paid on time and they won’t have obtained the life insurance coverage cash – a lack of lots of of hundreds of in that case.

Secret #8: Apply 3-6 months forward of the time you want the insurance coverage if doable.

Don’t be in a rush to get a coverage if you have already got some protection in pressure. However go forward and apply instantly realizing that you simply may want months to buy round if the primary firm doesn’t provide you with a very good price. Although the life insurance coverage business is getting extra automated your utility will nonetheless usually be held up for weeks or months whereas the insurance coverage firm waits in your physician’s workplace to mail them a replica of you medical information.

If you’re in a rush and purchase a quickie ‘no-underwriting’ coverage with out going by way of the complete well being checks and underwriting mainstream life insurance coverage firm requires, you’ll find yourself paying 20%-50% extra as a result of the insurance coverage firm will routinely cost you greater charges as a result of they don’t know whether or not you might be wholesome or about to die the following day.

Secret #9: Keep away from shopping for further life insurance coverage by way of work in case you are wholesome.

I’m positive there are exceptions to this “trick” however I’ve hardly ever discovered one. By all means preserve the free life insurance coverage your employer gives. However in case you are wholesome and you might be paying for supplemental life insurance coverage by way of payroll deduction you might be virtually definitely paying an excessive amount of. What is occurring is that your ‘overpayments’ finally ends up subsidizing the unhealthy individuals in your organization who’re shopping for life insurance coverage by way of payroll deduction.

Normally the life insurance coverage firm has lower a cope with your employer and can waive the required well being examination for all workers – as an alternative they only common the value for all the staff and supply one or two charges for males or females at any given age. Life insurance coverage firms know they’ll choose up a lot of unhealthy shoppers this fashion in order that they jack up the value on everybody in order that the wholesome individuals find yourself overpaying in order that the unhealthy workers get a less expensive coverage. Additionally, in contrast to the assured time period insurance policies which we suggest, most life insurance coverage you purchase by way of work will get dearer as you grow old.

Additionally group life insurance coverage is mostly not transportable whenever you retire or change jobs which means that whenever you retire or change jobs you may need to use another time though you’ll be older and doubtless not as wholesome and threat being turned down for a coverage. If the group plan does enable portability they often restrict your conversion selections and pressure you to enter costly money worth plans.

I bear in mind serving to somebody consider his supplemental life insurance coverage. He was positive it was a greater deal than any coverage I might discover him. Little did he know that the value of his group plan would go up yearly? By the point he retired his premium would have risen to over $10,000/yr. I discovered him a coverage for round $1000/yr that may by no means go up. Additionally, in contrast to his previous group life coverage, he might take the person coverage with him when he modified jobs or retired.

Secret #10: Do a trial utility on a COD fee foundation.

Solely ship cash with the appliance should you want the life insurance coverage protection instantly. Sending a test with the appliance is a standard apply brokers used to do – I believe largely as a result of it acquired them their commissions quicker. In case you ship cash with an utility you often get non permanent protection instantly but when you have already got loads of protection and are simply making an attempt to get higher charges ask your agent to do a trial utility on a COD foundation so that you solely pay as soon as the coverage is accredited. If you don’t ship cash, and also you die earlier than paying for the coverage there isn’t any protection.

Secret #11: Put on your footwear when the nurse measures your peak.

When the insurance coverage firm sends out the nurse to do your well being test attempt to be as tall as doable in case you are obese? In most states you might be allowed to put on footwear and in case you are slightly obese your taller peak/weight ratio will look slightly higher to the underwriter who’s figuring out your well being ranking and coverage worth. Additionally do your examination early within the morning with no meals in you – it will make your ldl cholesterol depend and numerous well being ratios look one of the best.

Pros and Cons of Critical Ilness Insurance Coverage

Critical illness insurance is a relatively new type of policy that is frequently misunderstood. Today, we will clarify what it is, and what it covers.

How Does Critical Illness Insurance Work?
Critical illness is similar to term life insurance, except it is paid out when you are diagnosed with an illness covered by the policy, rather than being paid out upon death. However, some people confuse this type of insurance with disability insurance, which substitutes your income if you become disabled.

Illness insurance, like term life insurance, is paid in a lump sum, should you be diagnosed with a pre-defined disease such as cancer. You decide how this amount will be spent – some people put it into additional medical treatment (especially if there are some treatment methods that are not covered by provincial healthcare), others decide to take time off work to spend with family, or to travel.

As with many insurance products, this type of insurance plan comes with an extensive insurance quote, application and underwriting process that the insurer analyzes before you can get a policy; and as with any insurance policy, a critical illness policy comes with both pros and cons.

Let’s take a closer look at the pros and cons of this type of insurance.

Pros of Critical Illness Insurance
There are several positive aspects:

  1. Funds that can help where needed: The lump sum you receive if you are diagnosed with a critical illness will allow you to get better treatment and, hopefully, fully recovery in some cases. You can also spend these funds on other needs or projects (such as travel or taking items off your bucket list).
  2. Protection for your own business: If you have your own business, you might need to work part time, after being diagnosed with a critical illness (reduced work hours are common when extensive medical treatment is required). It closes the financial gap created by your reduced hours at your company. With the funds, you could hire somebody to help out with your business.
  3. Stackable protection: Unlike disability insurance, critical illness coverage is “stackable”. With disability insurance, coverage is limited because it is based on your income, and you cannot go over that limit even if you have several disability policies. You can, though, have several policies with varying coverage amounts of different diseases. If you have, for example, two policies with benefits of $250,000 and $300,000, you can get a $550,000 payout when you make a claim.

Cons of Critical Illness Insurance

  1. Expensive: This type of insurance policy is not cheap. As an example, a Term 10 insurance policy with $500,000 coverage (Term 10 means a policy that covers you for 10 years) for a 35-year old non-smoking male without any pre-conditions costs around $180/ month (exemplary quote) whereas a Term 10 life insurance policy with coverage of $1,000,000 for the same person costs around $50.
  2. Definitions matter: If a diagnosed disease, such as a heart attack, is not aligned with the definition of this illness in the policy, your claim may be not paid.
  3. Does not cover you immediately: Policy typically comes with a waiting period (e.g. 90 days) during which you are not covered.
  4. Payout is not immediate: If you are diagnosed with a critical illness, there is “survival period” – (e.g. 30 days). If you die within that period, your claim will be not paid.

Durability And Fireproofing Advantages

Copper metal is ductile and malleable so it is perfect for making decorative and outdoor tiles that can withstand the harsh forces of nature. On top of design advantages, copper is dependable in conducting heat and electricity. Copper roofs and domes survive for centuries, are waterproof and subsume the full force of lightning. For flatware and cookery, copper endures heat. For sinks and tubs, it survives water and fights bacteria off. Copper tiles are among the most utilitarian and defensive available in the market. On top of all those, it is no exaggeration to say that copper products are built to last.

For floors, backsplashes, countertops and walls, the kitchen stands to benefit the most from copper tiles. Already, copper is utilized to make range hoods, water heaters, pans, ladles and knives because it is fireproof and heatproof. Copper curbs the occurrence of fires and cools down cooking spaces. It is invulnerable to heat produced by ovens and stoves rather than vinyl floors and wallpapers that can be found in regular kitchens. Families are further secure amidst electrical plugs and outlets. Copper wire has been an electrical conductor since the 1800s while copper oxides began acting as superconductors in the 1990s. fireproofing products for industrial use

Copper metal tiles are equally beneficial when you lay them on kitchens and bathrooms as they are anti-germ and waterproof. Just as copper is used to manufacture bath tubs, bath and kitchen sinks, and kitchen counters, it is helpful in the swimming pool, laundry room, garage and veranda. Copper is soluble in water plus it is effective against fungi and bacteria such as E. Coli and MRSA. Public buildings and clinical facilities have long used copper alloys like bronze and brass on surfaces  to avert infection. In a period of 8 hours, brass door knobs can decontaminate.

Public statues and subway murals that have suffered through wear and tear are telling of the longevity of copper. The more this metal corrodes, the stronger it becomes against corrosion. Rusting gives it a copper sulfate patina, known as verdigris, that is superbly rustproof. Copper continues corroding for around 25 years, changing color from its metallic reddish orange to bronze then green. If you find the green aged patina unsuitable to your contemporary home, opt for acrylic glazed copper tiles. Other creative ideas, such as copper inlaid limestone or porcelain tiles, can be had online from established tiling companies including 3M, Stanley-Bostitch and H&R Johnson.

Newer posts

© 2018 html5 please

Theme by Anders NorenUp ↑