Saturday 18 August 2007

Price comparison sites -- how impartial are they?

Peter saw this on Scotsman.com and thought you should see it too:

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Price comparison sites -- how impartial are they?

By Jennifer Hill

Personal Finance Correspondent

LONDON (Reuters) - Turn on the television, open a newspaper or surf the Internet nowadays and chances are a new financial price comparison site will pop up.

These so-called aggregator sites...

http://business.scotsman.com/latest.cfm?id=1304272007

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Johnston Press plc
Registered in Scotland no. SC015382
Registered Office: 53 Manor Place, Edinburgh, EH3 7EG

[82.35.112.240]

Saturday 11 August 2007

Life Insurance

10 Year, 20 Year And 30 Year Term Life Insurance
by: Donald Lusan


Let us take a look at the 10 year, 20 year and 30 year term life insurance policies.

You know, you have a bunch of great policies that the public can choose from, however, for some reason there are certain ones that just stand out. They tend to stand way above all level term life insurance policies. Sometimes I wonder why. Don't misunderstand what I am saying here, the 10 year, 20 year and 30 year term life insurance policies are great policies but so are the 15 year and 25 year term life policies.

20 Year Term Life Insurance

Why would the breadwinner of a family consider the 20 year term first? I guess the choice depends on the point in time that this person decides to buy. In some cases there is a new baby in the family, perhaps the first child. These young people are so overjoyed at the presence of this newborn they just want to do everything possible to protect their new bundle of joy. 20 years sounds like a good period of time to plan for so off they go and buy their 20 year term life insurance policy. A 25 year or a 30 year term life insurance policy probably would have done just as well but they choose the 20 year policy.

30 Year Term Life Insurance

Why would one choose a 30 year term life insurance policy. Keep in mind the 3 most outstanding term policies are the 10 year, 20 year and 30 year term life insurance policies. I think that people buy the 30 year term life insurance policy because they simply choose to look further ahead. These people look as far ahead as the college years. They want to be assured that the children are well protected right up until graduation from college. Sometimes they plan to have sufficient cash to give each child a start after graduation as well.

Business people often choose the 30 year term life insurance policy over the other policy types as they want to do their insurance buying now and not think about it any more for a while. They should rethink their insurance needs every year but at the outset they choose the 30 year term anyway.

Some of the buyers examine the 10, year, 20 year and 30 year term live insurance policies and choose the 30 year policy because they are acutely aware that if a shorter term was chosen they may outlive their policies. They may still need insurance thereafter and possibly may not qualify for it.

10 Year Term Life Insurance

The 10 year term life insurance policy is usually chosen for one of 2 reasons. It is quite inexpensive thus more people can afford it. They buy this policy intending to buy one for a longer period of time sometime in the future. If they are unable to qualify for the new policy in the future the life insurance company may allow them to convert to a permanent policy. This, of course, would be by contractual agreement. Buy buying the 10 year term policy they at least have the coverage now. They can feel more secure.

The other reason why the 10 year term policy may be chosen above the others is that the purchaser is buying his or her first policy later on in life. Your youngest is now a teenager and you are aware that you are getting older. The 10 year policy will guarantee that this child will have sufficient cash to help him or her through high school and college.

The 10 year, 20 year and 30 year term life insurance policies are great policies. Give them some thought when you feel you need some life insurance.

For additional information on 10 year, 20 year and 30 year term life insurance go to: http://www.lifeinsurancehub.net/termlifeinsurancequotes.html

About The Author
For more than 40 years Donald Lusan has been known for his extensive knowledge of the life insurance business. He has represented some of the largest and most admired life insurance companies in the United States as well as Canada. His advice is invaluable.

Donald's website is: http://www.lifeinsurancehub.net

Insurance Agencies

Insurance Agencies Are Missing Out On Millions
by: Kelvin Shaw

Agencies Missing Out On Millions

Is it true that Insurance Agencies are supposed to provide beneficial products and services that their clients need and deserve? Insurance agencies have been around for hundreds of years providing many forms of insurance plans and policies that are greatly needed. However, there is a huge $15 to $25 billion available market ready for insurance agencies, agents, and any professional sales person to jump in and take advantage of this huge opportunity. As I see it, there are not many agencies providing these beneficial products and services to their clients. If this is truly the case, whose interest are these agencies really looking out for—it seems not the client’s interest. The bottom-line is consumers need these products and services so why aren’t the agencies providing the services at neck-breaking speed.

The Huge Need for Product

In North America and Canada, there is a huge need for legal counsel services. Less than 3% of the population has access to quality legal services. Why is that? It could be that people are intimidated by lawyers, they simply don’t know whom to call, or maybe they feel as if they will not be able to afford the attorney’s fees. This very instant over 50% of families today has a legal situation. The sad part of this is that most of the families will either ignore the problem or try to handle it themselves.

The Value Of A Plan

With other insurance products and services, the client have to wait for something bad to happen before they can extract any value out of the plan they prepay for on a monthly basis. Like a prepaid cell phone, a prepaid calling card, or a prepaid debt Visa/Master card, as a client, I want to be able to reap the benefits of having the plan the very same day if needed. This usually not the case with insurance plans today.

Insurance agencies, you can make this happen for millions of North Americans and Canadians today. Remember less than 3% of the people have these products and services. Only one company has these products and services ready for your agency and sales team to provide to your client base. If you are not ready to provide your clients legal service plans then someone else will.

If you are talented in selling and motivating a sales force then legal service plans are the perfect product for you and your sales force. The challenge to you is whether you choose to get involved with this moneymaking product and million-dollar opportunity. “Human Capital” is an expensive investment and by giving your sales staffs the opportunity to sell legal service plans and services. You will be giving them the ability to make as much commissions as they want to make without huge overhead cost to the agency. With these legal plans alone, your agents can give themselves a raise any time by selling more plans. As they sell more plans, you will see your bottom-line profits increase tremendously. The benefits here are the agency makes more money and retains more of its sales force, the agents makes more commissions, and the clients gets the products and services they can use minutes after purchasing. By adding, this product to your existing products and services can ind!

eed enable any company with a professional sales force to grow faster than its competitors. Increased profits and commissions without additional overhead cost, this is truly a powerful moneymaking opportunity for sales companies.

Benefits All

When an insurance agency or any sales professional provide these products and services everyone involved benefits with each sale. For instance, the agency benefits immensely because:

1. It allows its sales force to provide a product that the client can use immediately after purchasing.

2. It gives the agency’s sales team the ability to make money daily and as the sales team earns immediate commissions the agency will be earning daily revenue via direct deposit if it choose to.

3. The sales agency locks in it sales force even if the sales person is no longer employed with the agency. The agency continues to profits whether your sales agents are selling your products or the legal service plans and services.

As long as the sales person continues to make sales, the agency will continue to earn revenue from the sales person. For the sales person, they can set the limit of how much their income increases by the level of their sale production. A top money earner in the company, who was once a Real Estate agent in the family business, started selling the products and in two and a half years, he earned over $1 million in commissions. With several agents earning a million dollars in commissions, you could very well see a six or seven figure increase in your year-end revenue report. Lastly, the benefits for the client are immediate use of the plan from the time of sale. The client is also able to provide legal services protect their family with one low monthly fee.

More info at the web site below, click on the Insurance & Finance Professionals link.

http://www.DailyPayWeb.com

About The Author
Kelvin Shaw has been helping people succeed online for over 10 years and has dedicated his life to Internet Marketing and helping others. Visit his web site http://www.DailyPayWeb.com to find out how you can create success online with your own home-based business.

Christain Business 1-800-585-5873 code# 11043 Free Info Pack.

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