AccuQuote is very pleased to announce its partnership with Elephant Insurance, a company directly to consumers the car insurance increases its insurance offerings to include life insurance. The new extension allows Elephant to offer complete solutions and life insurance practices to holders of existing auto insurance policies and the construction of a new customer base for life insurance coverage.
In partnership with an industry leader such as Elephant Insurance is another step towards fulfilling AccuQuote mission to provide consumers access to simple, practical and affordable to buy the life insurance and protect as many families as possible.
"This is something our customers have asked us," said Colleen Benzin, head of insurance products Elephant. "Auto insurance is something you must have. Now we can offer our customers another service."
As of May 15 Elephant insurance customers will be able to license professionals AccuQuote life insurance to meet their life insurance needs. "More care less cost" was the promise Elephant their customers. AccuQuote continue to keep that promise by the service personalized customer, bundled discounts and increased convenience.
As we head into September, you hear a lot about Life Insurance Awareness Month. I wanted to take some time to share with you some interesting Life Insurance statistics. In the reading, think about your own situation. Are you underinsured? What does your family do if the unthinkable were to happen. Some facts from LIMRA International's Life Insurance Awareness Month
Millions of Americans have no life insurance coverage.
Only 61 percent of adult Americans have life insurance protection, a decrease of 70 percent in 1984.
Only 41 percent of adult Americans have an individual life insurance. Many rely on group insurance, leaving them vulnerable if they lose a job.
Most people who have insurance coverage do not have enough.
need to average life insurance is about $ 459,000, but the average amount of owned life insurance is $ 126,000. The average under-insurance is over $ 300,000.
- I am in no way a millennium, but I have three children who are.
With #hashtags, smartphones, and social media to go with school and work and everything else, these young adults lead lives that are absolutely packed with things to do.
And I think all young adults should at least consider getting coverage sooner than later.
Ironically, when it comes to this subject, is an apology for not having life insurance are actually the same reasons that young adults should get covered. For example, "I'm young and healthy; I do not need life insurance "The fact is, you should look to buy life insurance because you are young and healthy (which, as we know, lowers the price)
Then there is the argument .. "I have no one I have to take care of me except; why do I need life insurance? "
Fair enough, but I want to emphasize that young adults, although this may be the case now, what about on the road? Did he intend to get married and have children in the future? If the answer is yes (and it often is), then get a NOW coverage (again, while they are young and healthy) will save them money.
Remember, the two main factors regarding determining your life insurance rates are age and health. you're not as young as you are today, and most cases, you are never as healthy as you are today (even if you are single now, would not it make sense to at least consider buying coverage because you 're healthy? what if later in life, when you have people depending on you financially and you really need life insurance, you are forced to pay more because of your health? Or worse, if you do not qualify at all? !).
Finally, millennials, and other generations goes wrong argue that life insurance costs too. This is simply not true.
Life insurance provides dollars for pennies, and the product is exactly when those dollars are needed most. And better yet, you're not spending too much pennies to get coverage. A millennium can get a good amount of coverage for less than $ 250 per year. That's less than a dollar a day! With low prices, young adults can get life insurance and continue to pay off student loans. Win-Win!
So the answer to the question should Millennials think about life insurance? -is resounding YES! Millennials should consider life insurance. And then head to AccuQuote.com and let us do the trick for you. We just need basic information and quick and we'll start you walk through a fairly large and important decision.
Life Insurance Exam tips that could save you thousands -
You probably know that your health is an important factor in life insurance companies use to decide how much you charge for coverage . The healthier you are, the less you pay. They get a lot of information they need by performing a medical examination.
Sometimes, the cost difference is dramatic. Poor results can even cause your application to be denied. So there much riding on these results.
What happens during a medical examination?
Once you have applied for a life insurance policy, your agent schedule a time for you to meet a nurse or medical examiner. In most cases, the examiner will be able to meet you at your home or office.
The examiner ask you some questions about your medical history. They will check your blood pressure. They will also measure your height and weight to determine your body mass index (BMI). Your BMI is an important indicator of your risk of premature death.
(If you're curious, you can find your BMI using the National Heart, Lung and Blood Institute super easy BMI calculator.)
You will provide a sample blood and urine. A resting electrocardiogram (ECG) or additional testing may be necessary, depending on your age and the font size.
The entire general examination takes about 30 minutes.
how should I prepare for the medical examination?
We have provided some useful tips that will help you get the best possible results on your medical examination in the video below. By following these simple tips will help you pay the lowest possible rate
Here are some additional details :.
Eat healthy foods to make sure your blood work is as clean as possible. Really, you should still try to eat healthy (for the record, I'm a vegan). While changing your diet is not a priority for you, you must do your best to cut out the junk food for seven days before the exam.
Green vegetables like broccoli and spinach are known to lower cholesterol and blood pressure. Foods rich in fiber are good for your cholesterol, too.
try avoid stress and be well rested , especially the day before the exam.
Avoid drinking alcohol for at least 3 days before the examination . Remember, you are trying to clear the "bad things" out of your blood. You do not want the insurance company into thinking that you can not stop drinking for a few days, either.
The day before the medical examination, try not to take painkillers or stimulants, including caffeine. Take prescription drugs on the calendar, but avoid nasal decongestants, aspirin and ibuprofen if possible.
Avoid strenuous activity (exercise, heavy lifting, etc.) on the day of the examination . This ensures that you do not need extra protein in the urine.
Want start fasting (not eating) for at least 8 hours before the examination . You can drink water - that's all.
It is a good idea to drink a glass or a bottle of water before the exam so that you are ready to give a urine sample.
Do not use any form of tobacco on the day of the exam.
These medical examinations tips can help you avoid abnormal results tests. Ignoring these basic tips can put you in a lower rate class, which can cost you thousands of dollars in premiums over the term of the policy. You may even have to repeat the test with your primary care physician at your expense.
We want to make sure you get your life insurance at the lowest rate you can qualify for. These tips will help you do it.
Although I will preach on life insurance next month (and the one after, and next year ...), why not not get your priorities in order and stop procrastinating now if your family does not go a day without protection?
I've been doing this a long time, so I know what some of the common excuses are:
life insurance is too expensive - this is simply not true and you can see for yourself by getting a free quote; fact is, most overestimate the cost of coverage in a big way (3-7 times)
You are already covered at work so there is no need for life insurance - it is very likely that the coverage your employer offers is much less than what you need; in addition, it is not portable, which means when you leave this job, your cover is wrong with you
Nobody talks to you about life insurance - this may be true ... before you found this blog, and AccuQuote me!
So what do you expect? Making Life Insurance Awareness Month this month finally you protect your loved ones and secure their financial future. Call us at 1-800-442-9899 to get started!
How can I invest a benefit of life insurance death? Part 2 -
In Part 1 of this article, I talk about the importance of planning carefully how you will use any life insurance payment you receive.
My first advice is to consider annuitizing death benefit to generate a guaranteed income for the future. Here are my two recommendations:
Life Insurance Purchase
Looks like an obvious answer from me, right !? But ask yourself two key questions: Have you as much coverage as you need And the other people in your family
Because you have more money ? handy than normal, you can go about securing your life insurance the right way (and win the game!). For example, you can:
Get permanent insurance life on reduced payment schedule with single premium or limited premium whole life policies. Instead of sending the life insurance company checks for the rest of your life, you can set up a policy to be "paid" after 20 payments, 10 payments, or even with a single premium.
Today, a 40 year old man in excellent health who smoke could buy $ 1 million of coverage of all life for a single premium of only $ 115,101.76 . That's a pretty impressive return, would not you say?
In addition, the policy will never be extinguished and accumulate cash value at a minimum rate guaranteed each year, a tax deferral.
Protect your children with a blanket, they can not lose . As you'll see in the video below, it's a great time to buy such a policy for your children or grandchildren, too. I like to call it "a gift that lasts a lifetime."
Set up a trust to fund your life insurance. instead of paying all at once your policy off (you may be worried about paying more than you should), you can set up a trust to pay your automatically premiums each year. your confidence can also pay for other expenses, such as insurance long term care
it should be noted that life insurance is not considered an investment. But in my opinion it is one of the smartest ways you can spend your money.
ready for a happy retirement
According to the Bank of spring 2014 Merrill Edge of America report, 55% of "high mass" Americans - individuals with $ 50,000 $ 250,000 in investable assets - retirement money are afraid to miss (only 27% are afraid to talk in public [1945010!])
intelligent planning can help you keep that fear from ever becoming a reality
Born and raised in Chicago, Sr. Account Executive Cherry Sue has been a valued member of the family for 20 years AccuQuote Sue. is hard work, single mom with two children. This year, she became a grandmother. Congrats, Sue.
1) How long have you been with AccuQuote? I started on 8 April 1996. 2) How did you start selling life insurance? In 190, I was going through a divorce horrible and working part time for a local insurance agent in Skokie, while my children were in kindergarten. the work was great because I'm surrounded by people to support a major change in my life time. after my divorce was final, my boss helped me get my insurance license (in 1992) and hired me full-time. It was great. 3) What is your most memorable interaction with a policyholder? I have had many memorable experiences, but there is one particular story that still sticks in my mind. It was ten years ago, the wife of one of my clients died. But since he and his wife both had life insurance, we were able to help the family financially get through a very difficult period. Today, everyone in the family knows me by name. Even the grandkids know Sue Cherry family has $ 250,000 when their grandmother died. 4) What do you like most about your job? I love helping people and likes to make a difference. It's so comforting when people come to me to thank me for the insurance recommendations I have made for them. This is my calling. Because of my divorce, I found myself without financial security. So I think it is my goal in life to help others achieve financial security they need and deserve. 5) Why do you think that life insurance is important? Life insurance is important because if you die or become disabled, how will you protect the welfare of your family? Life insurance made it. The problem is, life insurance is an intangible expense, so many people will eliminate the use of the money for other expenses. I had a man who said: "My wife did not want me to have a life insurance, so she can marry someone else." And I answered: "If a woman is financially secure, she does not want to be a nurse purse. "In other words, no woman shall be bound to take care of someone else. 6) What do you think is the best product or more useful than the insurance AccuQuote offers? I would say the life, disability and long term care insurance. They are all very important products. 7) what are your hobbies? I like escaping into a happy film. I also love traveling and spending time with my children. 8) What is your favorite book? " the 7 habits of highly effective people "by Stephen R. Covey
for more information on Sue, watching this great video. As Account Executive AccuQuote, Sue knows his stuff.
Stacherski Jim and his wife, Judy, were in love high school. But Jim was expelled in Vietnam. And when he returned, everything had changed. Judy had got married and started a new life without him. Some time later, Jim married as well.
Then fate intervened. Thirty years later, Jim and Judy ran into each other again. At that time, both divorced. They reconnected and married soon after. The happy couple has been trying to catch up, becoming almost inseparable.
But fate intervened again. Judy learned that her breast cancer, which she thought she had beaten has returned and spread to his bones. His doctors told him that his condition was terminal.
Their insurance agent, Melissa Mlasko, met with the couple to discuss their options. Melissa has discovered that there was an accelerated death benefit rider included in the collective life insurance policy to Judy through her work. This advantage has allowed Judy to access 0 percent of the death benefit of the policy, while she was still alive.
The access to this money helped Jim and Judy to spend more quality time together during his last days. "Without life insurance, I would have had to sell our house," said Jim. "Life insurance is so important, because you never know when something will happen."
To learn more about Jim's history, watch this video.
Policy Review AccuQuote AE specialist Ed Katz has been in the insurance industry for over 17 years. His personality and policy expertise help customers easy to live better understand the hundreds of insurance products offered by AccuQuote. "I love the peace of mind of being an agent gives me," he said. Ed has a natural ability to take a complicated product and explain in a way that customers understand. He knows his stuff
William Shakespeare said, ".. No legacy is so rich as honesty" Ed agrees. He strongly believes in doing the right thing. "Integrity is to make good choices," he said. "Doing the right thing because it is the right thing to do."
Ed believes that life insurance is important because it saves families by giving them money when they need it most. "No other product can make that life insurance can," he said. "life insurance always do you think he will do. No surprises or disappointments. "
For more information on Ed, watch this great video.
pension plan with variable capital - Is there a plug -
Variable Annuity
Twice in the last 6 months, I was asked to assess and comment on a variable annuity? currently offered by AXA Equitable. The history of many consumers plan their sales force is that regardless of whether the underlying funds work well, your "guaranteed" minimum return of 6% per year.
Although this is hardly the whole truth, in defense of AXA representatives who are out there selling this stuff, can not reasonably explain each line in a prospectus for securities which can often include dozens of pages of fine print. That said, since the guarantee of 6% is something that came twice in 6 months, the question is, "this product can deliver a guarantee of 6%, while at the same time provide potential increase better performance if the funds underlying investment in the product do better than that? "
the short answer is no. So what's the catch? How can they say it does, when it does not?
insurance, as most contracts between consumers and business, is built on trust, otherwise known as good faith. The insurance company trusts that you disclose all relevant facts and trust you they cover you when you need them.
A violation, of course, occurs when that trust is broken. If you, for example, do not say your life insurance provider that you used to smoke, then that is a breach of good faith.
It is possible for you to commit a breach of good faith, without knowing it. For example, if a family member died of heart disease and you do not mention when asked by your health insurance provider because you were not aware of this fact, it is a violation of the innocent faith. If you were aware and did not fill out forms in truth, of course, you would be guilty of non-disclosure or fraudulent breach of faith.
What happens if an insurer discovers an undisclosed fact or breach of good faith? First, your insurance policy is null and void. Your supplier is obliged to cover you. If the new information is discovered at the same time a claim is made, you can not receive payment of the debt. Based on new information that has come to light, your insurance provider can keep you on, but higher rates or ignore the incident.
Homeowners insurance carriers should be aware of what is covered - and what do -
The dangerous and costly winter weather this year, especially in the Midwest where the Wheeling office , IL AccuQuote is located, has many homeowners are wondering exactly what is covered in their insurance policy owners -. and it is not
dangerous winter weather that has swept the country made many people question their risk insurance policy and what it covers. The conditions have brought dangerous ice, heavy snow and freezing cold temperatures. These factors may cause injury to persons and damage to property, which is why it is important to know what is included in the coverage.
dangerous and costly problems
weather this winter has resulted in many areas. People suffered from heavy snow collapses roof and water damage from frozen pipes. These issues are generally covered by most basic insurance plans owners. However, there may be a few exceptions. If a house is vacated and the water is not cut off, a policy may not cover damage resulting. A homeowner should check their policy and properly prepare their house if it is left unattended for a prolonged period of time, suggests HomeownersInsurance.net.
falls on slippery ice are common during the winter months. Typically, homeowners insurance has liability coverage that will pay for financial damages for most injuries occurring on the property of a covered person. Limits vary and an owner must work with an agent to assess their risk to determine the appropriate level of liability coverage.
If a person falls because of ice in front of a house and decides to continue, if it is covered by homeowner's policy also depends on local snow removal statues. Some require by law that maintaining the sidewalk in front of a house is the owner's responsibility. In this case, the home insurance policy will be in effect.
If a home insurance application must be made, the owner should take pictures before Clean or repairs. A home inventory must be made before a claim. Here is a detailed list of personal property in and around the house. In addition to a list, owners should keep receipts for expensive items and make a photo diary or video recording of all elements of the house. A copy of this document should be kept in a safe place outside the home.
Important information for single moms About - Life Insurance
I am a single mother. Do I need life insurance?
Single mothers are some of the most empowered women I know. They do the work of two people tirelessly every day because they consider their responsibility not as a burden but as manifestations unfailing love. . They know they have more difficulties than most, but they would not trade for anything in the world
As a single parent, it is important that you provide a safety net for you and your children - life insurance - to ensure that your children are taken care of if you are not around. As a single mother (or single father), this should be the first thing you take care before planning anything else. If you have experienced a divorce, you know too well that put the burden on your spouse to provide monetary safety net your child can be a bad idea. If you have suffered from the death of your spouse, you know all too well the importance of life insurance in the financial plan of the family.
So how, as a single mother, do you calculate how much coverage you need? Start by spending that children bring. The average expenditure on two children in a family is more than $ 8,000 per year. As they grow, their financial needs are increasing. These costs will also depend on where you live. According to the US Department of Agriculture's annual report (2012) on Expenditures on Children by Families , a middle-income family with a child born in 2011 can expect to spend about $ 234,00 ($ 295,560 if projected inflation costs are taken into account in) over the next 17 years. This figure does not include education beyond high school. (Find the link to http://www.usda.gov/wps/portal/usda/usdahome?contentid=2012/06/0197.xml). To calculate your life insurance coverage, factor costs such as tuition and weddings. Use the term life insurance calculator to find the perfect cover for your situation.
Use a site like AccuQuote.com to know how much it would cost of annual premiums. Get quotes for 15, 20, 25 and 30 words of the year and compare life insurance costs. As a young, healthy mother, you can think that hundreds of thousands of dollars in coverage is going to cost an arm and a leg. Not true! You could get cover for as little as $ 40 per month. A life insurance policy that adequately covers your needs is exactly what you need to give you peace as needs in mind.
life insurance policies Combo are becoming more popular every year. There are some great benefits that you can take advantage of a combo life insurance policy, particularly if you want to combine with the long-term care (LTC) coverage. It is useful to consider and here's why:
coverage more affordable long-term care. A life insurance policy with a rider of long-term care is the ideal solution for those who find the LTC policies too expensive standalone.
More people can qualify. The underwriting standards are a little more relaxed on a combo policy, which means more people with health problems may qualify. You will need to do some comparison shopping that some insurers may put a limit on age.
Double cover, one policy. You get the best of both - death benefits to your beneficiary and LTC (if needed). Terms and conditions apply so read the fine print carefully.
More control. You can set a fixed amount or a percentage of the long-term care policy, and leave the rest to death benefits.
You get coverage for life. And of course, because it is a life insurance policy, your policy will remain in effect until the policyholder dies, as long as premiums are paid.
Tax Benefit. The cash value that accumulates on your combo-life policy is completely tax-free and so are death benefit to your beneficiary will receive.
Remember to check the financial stability of a company and the terms and exclusions listed in the policy - before you buy. Why not request a free quote now and see how affordable a combo life insurance policy can actually be for you?
In My World, a monthly life insurance is the month of awareness -
In life happens, a nonprofit organization dedicated to helping consumers make decisions intelligent insurance to protect the financial future of their families and a great resource for information, September is life insurance awareness Month. It is good to raise awareness of humanity produces the largest ever invented, but the fact is that if we think of life insurance a month of every year, we're in trouble.
I find the best way to explain the value and importance of life insurance is through simple questions, simple answers, and undeniable facts
for example, you'll die with life insurance or life insurance WITHOUT .; it is a fact. It is for you to decide in which category you find. And for those who die with him, there was never any regrets. We receive hundreds of complaints deaths each year, and I've never heard someone say, "Byron, my husband bought too much life insurance; what will I do with all this money? "
Do you begin to understand how this stuff is what these questions, help you:
Q: What are the chances of dying
. a: 1 of 1 (which is 100%) Yes, it's sort of a trick question, but before rejecting it as a sarcastic statistics, know: the chances are your house burn 1 of 10 and almost everyone owns the insurance
[1945003!] Q: When you die, how long do you plan to be dead
a:.. Always Yes, there is another trick question, but it is simple with only one correct answer I realize no passion for life insurance, pay bonuses, and to come to grips with the fact that you will die. But that day will be come. and when he does, will your family have enough money to pay for your funeral, rent monthly or mortgage, food, school fees, clothing, medical expenses, car payments, utilities ...?
My friend Ric Edelman had me on his nationally syndicated radio show a few weeks ago for life insurance Awareness Month. Hear me talk about life insurance and long term care insurance (I'm on about half of the first hour) here. Ric Edelman Financial Services heads up, a AccuQuote partner. I love going on Ric show is great and a forum like this only help spread the word about life insurance, but let's not one second think we should pay attention to life insurance more in September compared to the other months.
I do not speak much books in this blog because most of the books I think you like and are useful are not on life insurance. But do not get me wrong, I am an avid reader. I'm usually at least two books in play at once.
We can learn many books on Leadership-, businesses, what works, what does not. If you read the profile on me in the Chicago Tribune , you'll see what I've read recently and some of my favorite books. I am passionate about books all my life.
The following is an excerpt of Jim Rohn Weekly Newsletter . Jim Rohn died in 09 but left us his words a legacy. In my mind, there is room in the kind of self-improvement of Fame, next to Earl Nightingale, Tony Robbins, Brian Tracy, Dale Carnegie, and many more. Below are the exact words of Jim from his article appropriately titled bulletin "Read more books."
All the books we will never need to make us rich, healthy, happy, as powerful, as sophisticated and as successful as we want to be written already.
people from all walks of life, some people with the most incredible life experiences, people who have spent pennies to fortune and failure success took time to write down their experiences so that we can share the wealth of their knowledge. They offered their wisdom so that we can be inspired by it and instructed by it and for us to change our philosophy by it. Their contributions enable us to reset our sail based on their experiences. They gave us the gift of their views so that we can change our plans, if any, to avoid their mistakes. We can rearrange our lives based on their wise advice
The important question is this :. In the last 0 days, with this treasure of information that could change our lives, our fortunes, our relationships, our health, our children and our careers for the better, how many books have we read?
Why we neglect to read the books that can change our lives? Why we complain but remain the same? Why so many of us curse the effect but nourish the cause? Those who want a better life can not afford to miss the books that could have a major impact on how their lives turn out. The book they miss will not help.
reading is essential for those who seek to rise above the ordinary. We must not allow anything to stand between us and the book that could change our lives. A little reading each day will result in a wealth of valuable information in a very short time. But if we fail to set aside time, if we fail to take the book, if we fail to exercise the discipline, then ignorance will quickly move to fill the void.
Those who seek a better life must first become a better person. They must continually seek after self-control in order to develop a balanced philosophy of life and live according to the dictates of that philosophy. The habit of reading is an important stepping stone in the development of a solid philosophical base and is one of the fundamental elements necessary for achieving success and happiness.
Personal Finance Guru Terry Savage Life Insurance talks in News, Web, television and radio
for more than two decades, I help personal finance expert and columnist nationally Terry Savage spread the word about life insurance.
Terry is a friend, but it is also one of the people in the media who gets it right when it comes to covering and reporting on life insurance. It educates its readers, listeners and viewers (yes, it has all three, as she is now part of the Agency Tribune content, which means it will still be seen on WGN-TV, it will still be heard on WGN Radio, and now it can be read in Chicago Tribune and other outlets).
what I like about Terry, who is a successful author, is that it makes the simple life insurance for her audience to understand. And while it does conveyed how important it is.
This time we said Terry 5 things to know about term life insurance. She cites and quotes me AccuQuote. Read the piece in the Tribune (if you can not access because of a pay wall, read on Huffington Post ). Listen to his speech on the life insurance recently on WGN Radio. And watch it a few weeks ago on rated morning show on WGN TV
- ..
Here's a quick video covering some key things to keep in mind during the buying police Term life insurance
This is the last day of September, which means Life Insurance Awareness Month (LIAM) is almost complete.
As you now know, our commitment to protecting families is NEVER AGAIN
Let's have fun last minute with LIAM
First, a short questionnaire.? Who is cooler, Liam Neeson and Liam Gallagher
(Take a minute to think about it ...)
answer: When Liam Gallagher and his brother made music like Oasis, it was quite cool. But the group has been broken since 09, and Liam Neeson is a very nice man who single-handedly made the franchise "Taken" relevant and appealing
Bonus Question :. What Liam Neeson say about LIAM?
answer I do not know who you are. I do not know what you want. If you are looking for life insurance coverage to ensure the financial future of your family, I can tell you that it probably cost less money than you think. What I know for sure is that I have a very particular set of skills, the support that I have acquired over a very long career selling life insurance. These skills make me an asset for people like you. If you make the decision to do the right thing now, that's the end of it. Your family will be protected, you sleep deeply, and you will have peace of mind that comes with having life insurance. But if you do not, I will continue to reach out to you - because this stuff is important. I will find you, and I'll make sure.
make it easy on yourself and get a quote now .
As you may know, Anthony Anderson was life insurance awareness of the spokesperson months of this year. So here's your last question: What is your favorite role Anthony Anderson
Andre 'Dre' Johnson / Drexler Johnson (a popular option) "Black-ish" ABC [?
Trooper Brown in "The Departed" (Double A gets serious here!)
JD in "Barbershop" (choice of AccuQuote PR director Danny)
Jamaal in "me , Myself & Irene "(he is the son of Jim Carrey - great character)
Other
in addition, you can follow Anthony on Twitter @anthonyanderson.
As we have already said, to AccuQuote, each month is awareness month for life insurance. We will continue to fight the good fight, and we will be there when you need us.
AccuQuote InsuraMatch and announced the formation of a new partnership marketing and sales.
The partnership of Enterprises offers prospects and customers of each simplified access to goods and services from each other. AccuQuote offers life insurance products while InsuraMatch is the Property Casualty market
Wheeling, IL, February 17, 2016 -. (PR.com) - AccuQuote InsuraMatch and announced the formation of a new partnership marketing and sales. The partnership between business offers prospects and customers easy access to each of the other goods and services. The each company sales agents are cross-promotional and other new digital marketing tools and lead generation are expected in the near future.
"What is unique about this relationship is that both of concentration and our corporate marketing commitment to do right by the customer are similar. At AccuQuote, finding the right product and company for the needs of our consumption is what we do. It is refreshing to see that same commitment to our partner InsuraMatch "said Julie Roper, COO of AccuQuote.
" We could not find an organization that best embodies the values that are important to us InsuraMatch "said Marc V. Buro CEO InsuraMatch. "Our value proposition is customer" match "to the company and the product that best suits them and do it using new digital technologies. This partnership enables us to help our customers to fill another critical need their comprehensive insurance plan, "said Buro.
The partnership will continue to grow from outside sales agent references and hot transfers, web based lead generation and online access to products of the other. Consumers will be able to satisfy both their life insurance needs and damage to property through the website (s) of such companies or sales centers
Both companies offer consumers a wide range of companies and products -. Every believer that consumer choice is essential. AccuQuote InsuraMatch and represent the main insurance companies in their respective fields and offer consumers multiple products underwritten through some of the greatest nation national insurance companies and the largest regional companies and product specialists.
About AccuQuote AccuQuote is one of the largest and leading independent life insurance quoting the nation and brokerage firms. Headquartered outside of Chicago in Wheeling, IL, the company was founded by one of the life insurance experts before all of America, Byron Udell, in 1994. His vision was simple: simplify the life insurance shopping experience while focusing on service and personalized customer greater convenience. His solution: e-commerce innovation. The new website AccuQuote uses powerful software to quickly compare hundreds of insurance products. The result: it is easier for consumers to shop around for the best rates of the best insurance companies. With over 100 employees and 0,000 satisfied customers across 50 states, AccuQuote placed nearly $ 100 billion of life insurance coverage in effect during the last 20 years. AccuQuote, which also offers long-term care insurance, insurance and disability pensions, and Byron were both recognized by the likes of USA Today, Consumer Reports, Forbes, BusinessWeek, money, Wall Street Journal , New York Times, CNN, Chicago Tribune, Kiplinger, Bloomberg, Smart Money, CNBC, Associated Press, Suze Orman, Terry Savage, and many others. For more details and to get a personalized quote in minutes, visit www.accuquote.com.
About InsuraMatch InsuraMatch, a new company of The Rock Group of Companies Plymouth, is an online leader in property / casualty insurance agency. Its owner "match" algorithm offers every consumer a personalized shopping experience by matching them with society and the coverage that best suits their specific circumstances. The online quoting system considers the personality and customer preferences and calculates a level of compatibility with each carrier. The ratings are then ordered by score of compatibility, with full price transparency. InsuraMatch is happy to represent a mix of national carriers, strong regional companies and niche insurers specialized in certain markets / products. Headquartered in Boston, Plymouth Rock Assurance is a leading auto insurance carrier serving Massachusetts, Connecticut and New Hampshire. Plymouth Rock Assurance has an "A- / Excellent" rating of A. M. Best, first independent rating service of the insurance industry. It is part of the Plymouth Rock Group of Companies, which together write and manage over $ 1 billion in auto insurance and home in the Northeast. For more details and to get a personalized quote in minutes, visit www.InsuraMatch.com.
Sam McNeely was a great man with a great heart. Everyone loved him. His wife, Amy, fell in love with him because of his kindness and his impish sense of humor. Sam had a great job with good benefits, including life insurance. But was that life insurance will be enough to take the needs of a growing family? Ask Amy McNeely.
Less than a year to get married, Sam and Amy discovered that they were going to be parents. It was Amy who encouraged Sam to get additional life insurance to meet the needs of their growing family. She also feared that if Sam changed jobs, they lose their existing coverage. With their own separate life insurance all seemed to be the smart thing to do.
They contacted the cousin Sam, Juli, who was a professional licensed insurance for all. The happy couple got an extra blanket and took a new policy on Amy as well. She wanted to ensure that if anything happened to her, Sam and their daughter would be financially supported.
What would Amy never expected was that it would be Sam who left the world too soon.
a few years later, Amy got the phone call that each spouse dreads. Sam felt sick to work and was taken to hospital. He underwent an aortic dissection and died that day. Sam was only 38 years old.
The additional life insurance proved to be a boon for Amy and her daughter. Juli was able to invest the proceeds of Sam's life insurance wisely, so Amy could stay home and take care of her daughter, without stress and worry
As they say :. "It pays to think ahead." Sam and Amy did. And as it appeared, it was the best investment they ever made.
Can you get life insurance if you have had prostate cancer? -
More men survive prostate cancer. But can you still buy affordable life insurance?
For many men of a certain age, get an annual physical examination is not a big deal. Except for a particular test. And if you are a man, you know what I talk test. Your doctor usually leaves this test to the end. (physicians have a warped sense of humor.) You know it happens because all you hear is the snap of a rubber glove, followed by the saying goes: "Now cough" Yes, I am referring to the physical (commonly called a DRE or "DRE") test for prostate cancer. Although slightly uncomfortable, this test is very useful for detecting the early stages of the second most common cancer in men (after skin cancer).
Generally, there is no early symptoms of prostate cancer, which is generally a slow-growing disease. Most men who are diagnosed with prostate cancer are over 65. The disease is more common in African American men than in white men.
The prostate is a small gland shaped nut that is located just below the bladder and just in front of the rectum. (How's that for a roadmap?) The most common blood test to detect prostate cancer at an early stage is the PSA test (prostate specific antigen). A rate of 4.0 ng / mL PSA and lower is considered normal. Conversely, a PSA greater than 4.0 ng / mL should be cause for concern. Most doctors recommend that men over 50 years old receive a PSA test once a year.
If a patient has a PSA level higher than normal, the doctor of the patient may suggest a biopsy of the prostate. The tissue sample is then analyzed and if cancer cells are present, they are given a "Gleason score" to determine the severity and stage of cancer. The higher the score, the less advanced / severity of the cancer.
the good news is that many men who have been diagnosed with prostate cancer were treated successfully and continue living a productive life. According to the American cancer Society, more than 2 million men the United States are considered prostate cancer survivors. and many have been able to buy life insurance.
for patients with prostate cancer looking to buy life insurance, insurers seek a Gleason score is below 7. They are also looking to see what type of treatment or medical procedure the applicant had about of this disease. treatments for prostate cancer range from radical prostatectomy (which completely eliminates the prostate) to conventional radiotherapy for the implantation of radiation seeds. There will be more favorable offers if the patent has undergone a radical prostatectomy that the last two options.
For more on this, watch this short informative video. Howard Weissman, Expert AccuQuote medical pricing, will tell you more about how you might be able to qualify to buy a life insurance policy - even if you have prostate cancer
Everyone ANYONE who financially by the life insurance needs .. It is a great, affordable to help protect the financial future of your family when you die. And if you think you'll live forever, the last time we checked, the chances of death are still 1 of ONE . (We are good at math.)
Questions? Feel free to reach out to us at any time. And you talk to a real person! (Amazing, huh?) We take the stress of shopping for life insurance. And we will not ask you to cough. Promise.
Did you know that actor Tom Hanks, singer Patti LaBelle and legend Billie Jean King Tennis all have type 2 diabetes? Diabetes is the seventh leading cause of death in the U.S., with 1.4 million new cases diagnosed each year. According to the American Diabetes Association, complications can include high blood pressure, heart attack, stroke, ...
For many of you out there, life insurance for children can be an unthinkable option.
" My children are not winning, why should they be covered by life insurance? "
" Ensure your newborn child ? Do not like the guy who was arrested for the murder of her new born daughters for a quick payday? "
" Keeping children is a waste. Put your hard earned money in something else! "
yet tens of thousands of families across the country are choosing to purchase some form of child-life insurance to supplement their portfolios family insurance. There are clear and obvious reasons (some might not know) why life insurance on children is considered a wise investment and even a necessity for some families, despite the negative connotations it carries.
The video below gives a brief overview of the benefits of whole life insurance child:
Here are some quick tips read through that will help you find the life insurance of the child:
for families who have a history of health problems that run in the family, this is reason enough try to seek life insurance protection on your child. While life insurance questionnaires usually require candidates to answer questions about the health of their members of the immediate family, genetic testing for hereditary diseases is not done by life insurance companies. If you think your child may have trouble finding a life insurance later in adulthood because of a possible condition that would make the uninsurable, having life insurance as a child can help protect against this possibility . How? Since all individual life insurance policies on children are whole life policies, they last as long as your child is alive, and not missing as term life insurance. They may be increased in nominal terms once your child turns 19 to pay a benefit of greater death that without a medical examination.
However, for many families, having a life insurance policy for the above reason may not be necessary, but it does not remove the need for a backup plan for expensive funeral bills . Many stories surface each year for families who have spent months after the death of a child for fundraising activities to pay funeral bills instead of grief and come to terms with their loss. Funerals are not "affordable" more. Worse, if you're dealing with a large hospital bill, it could quickly eat into your savings, making the loss of not only emotional but also financial disaster, all for a child who "was not an employee. " A low cost funeral is at least $ 10,000. Do you have what amount stored for an emergency burial? A convenient and affordable option for those who are not sold on the whole concept of life insurance is to get a child rider on your own term life insurance policies. Child runners are cheap, which costs as little as a few dollars each month to cover a small death benefit that can easily pay funeral bills. Some policies allow these riders to convert to whole life policies at the age of 19 years without medical examination, cover against future insurability.
Whole life insurance on children can also help save for expenses like tuition. We recommend it to families in higher income brackets who are in search of a forced savings vehicle that does not mind a slower growth rate in a safe account. When buying whole life insurance policies for children, be sure to think of them as permanent death benefit of all, and that investments later. You can borrow this policy and refund to domestic interest rate, but it would remove the death benefit in the policy. Parents and grandparents also love gift policies when the child comes of age, when the policy would be released if left intact throughout its duration. You can choose to donate your policy to your child at age 19, but they can not expect or demand for money. Since you paid into it all these years and you are the owner, you get to keep with it if you think it is necessary.
One important thing to remember is that parents need to be covered by adequate life insurance policies themselves to get a life insurance for their children. You should not think of policies for a child if you do not have to protect your family if anything happened to you.
For more help and information, look at the lives of children insurance quotes online or talk about the option that is a better fit for you. With the help of a life insurance needs analysis, you will be able to know whether life insurance on your children would be required to complete the financial plan for your family.
Almost Sixty percent of American homeowners are Underinsured -
According to Marshall & Swift / Boeckh, a leading construction data provider on replacement costs, nearly two out of three American homes or 59 percent, are underinsured. The definition of underinsured is that homeowners on average have only enough insurance to pay for 78 percent of the cost to replace or rebuild their homes.
One reason for this startling statistic has arisen is that many owners do not update or periodically increase coverage on their homes. When homeowners remodel and improve their homes, they often fail to respond to a call to their insurance agent to update their coverage.
Another contributor is the soaring prices of building materials, energy and labor, all of which increased replacement costs by more than 7 percent a year since 01. If you been in this house for five years, insuring your owners was reduced to two-thirds coverage of the house solely by those increases.
consumer advocates say part of the problem lies in how home insurance is sold. In the competitive market, the last thing an officer wants is for the client to run into the street to a competitor because they got a quote for $ 50 less per year.
They say that many agents provide quick quotes to close a sale, the lack of training to properly assess the value of homes they insure and often rely on over-the-phone interviews to estimate the amount of coverage for the home of a client. The result is that owners purchase a discount coverage they mistakenly believe will replace their home in case of a complete loss.
This is not entirely fair to the insurance industry. Many owners have made improvements to the home and neglected to inform their insurance broker. The increase in labor and materials came to the hard point during reconstruction efforts after Katrina and Rita. The owners who are rebuilding after storm damage of this magnitude is also faced with new building code provisions that existed when the first home has increased.
Life can change in an instant. We all had the defining moments that took us from who we were to who we are. We have known love, loss, grief, joy, and every emotion in between. The most important lesson we have learned is to "never leave unsaid the important words" to the people who matter most to you.
Ask yourself, how do you live in the moment?
Review your life insurance needs will not take very long. in fact, the few minutes you spend on it will save your family grief and years of struggle in the future. you can not afford to lose more time. you can watch a rerun of a TV show you've seen many times, or you can get a free quote and protect the financial future of your family. What seems to be the best option for you?
Still not convinced? See this article explains why the simple act goes a long way.
Application of reductions in life insurance premiums if your health has improved -
Your health is directly related to the premium you'll pay. What most people do not know, however, is that if you decide to make some lifestyle changes and the result is a lower body mass index (BMI), which in turn improves your condition, you may qualify for lower premiums. All you have to do is ask.
lifestyle changes that can reduce life insurance premiums
Regular exercise ( weight loss). If you start exercising regularly, or even monitor your calories (which results in weight loss), insurance companies adjust your premium rates to reflect this. However, make sure you have all your fitness records. Get a medical certificate from your doctor (if possible). An article in the Chicago Tribune Orlando Sentinel Kiplinger and other publications mentioning AccuQuote and quote me says insurance companies will not only take your word for it; they want proof of lasting changes before making changes to your insurance rates.
Tobacco, alcohol and drug abuse. If you have a high consumption of alcohol history, smoking, substance abuse, it will result in a higher premium. Reduce the three over a period of 1-3 years and your insurance rates could drop massively.
work environment without risk. If you have a dangerous job, it will take into account in your rates. Examples include the scrapping of vessels, fight against fires, construction work, police work, even diving. However, if you go to an office job or office, you can request a reduction.
improving health. If you have a pre-existing condition such as cholesterol or blood pressure, or you recover from (or have recently recovered) cancer, your insurance rates will be higher. If you control your blood pressure and cholesterol levels over a period of time, or your cancer is in remission for several years, you are eligible for cheaper rates.
Recreational activities. Have you indulge in track racing, parachuting, bungee jumping or something similar? If so, your insurance premium is likely to be on the higher side. If you stay out of these activities for a long period of time (and can prove it to insurance companies), there is a chance of your premium will drop
Remember, however, that this is not a quick-fix deal. You must make permanent lifestyle changes and prove it, too. Insurance companies do not monitor your life; the initiative to reduce your rates must come from you.
Here is the gift of the day Best Father you can give your family -
He was the last day of the Father. Dads across the country were treated to a special day. I should know. I have 3 children of my own.
day of
Father is a wonderful opportunity to remember the great privilege and responsibility we have as fathers and family gift. With that in mind, I want to ask you: do you have a life insurance coverage? And if you do, you are sure that you have enough coverage to meet the needs of your family?
You know you need it
According to LIMRA, "middle-aged (35 -54) married men are usually in their years and half earnings the higher the fathers. Yet this group had double-digit decreases in the proportion of owning an individual life insurance from 04 to 2010. "life insurance provides peace of mind worth its weight in gold. Just the knowledge that the future of your family is safe thanks to this policy will mean one less thing to keep you overnight.
Your life insurance coverage should meet the needs of your family
most families who have life insurance do not believe they enough coverage. If you need help calculate how much coverage you need, use this calculator life insurance needs. In addition to replacing income, debt and inflation, you might want to consider a college education for your children or even a future marriage or two.
life insurance needs change as you enter different phases of your life. Review your coverage at major life events such as the birth of children, buying a house, or venture into a business.
It is affordable
You might be surprised to know that life insurance is not that expensive. Find out how it could be affordable for you by getting a quote from major life insurance carriers.
Let Father's Day inspire you to give love back. Make sure you have a life insurance policy in place and the cover that adequately meets the needs of your family. It is one of the most thoughtful gifts and practices that you could give to your family.
If you think you need insurance Long Term Care, Think Again -
Unless you're really, really broken or really, really rich, there is a very good chance you'll need some sort of long-term care (LTC). If you are extremely rich or dirt poor, go ahead and give this blog (but come back in a week or for the next!).
But for those who fall into the great middle of these two categories is almost everyone, by the way you'll want to keep reading.
who needs long-term care?
The short answer to this question is most of us.
Nobody wants to think about getting older, wear diapers, and not be able to go through life without assistance. But this stuff really happens! And if you're one of the vast majority of us who eventually need care, long term care policy will prove to be the smartest investment you can make.
Let's see how you do on the following quiz question
The chances of you or your spouse have long-term care needs are:
a) 25%
b) 47%
c) 61%
d) 91%
answer: There is a 91 percent chance that you or your spouse will need long term care. Whether it sink in for a second.
When this happens, if you do not have the long-term care insurance, you may end up others (probably your children) to cover the cost of care. This is, of course, once you've depleted your savings of a lifetime.
What will happen if you do not buy long term care insurance?
As I mentioned in Rodney Brooks in USA Today, a few years to pay for care can ruin you financially. So, before rejecting care insurance as nonessential or luxury, ask yourself how much of a burden that you plan to be in your family.
So what is the bottom line?
70 percent of people over 65 will need LTC. Of course, you could find yourself in the 30 percent group who does not need, but do you really want to take that risk? Can you afford to take that risk?
The cost of a caregiver can add up to $ 10 per week, plus meals. An assisted living facility costs about $ 3,000 a month
Here are some numbers to think (I know about this stuff first hand) :. Both of my parents (mum is 81 Dad 84) currently receiving long term care. Dad is at home with live-in care - $ 0 per day. Mom was recently in a nursing home - more than $ 300 per day. Do the math. That's $ 180,000 per year for two of them.
I think you'll agree ... These costs are staggering . And the costs increase each year.
If you have a mattress full of money or your children are wealthy, you will likely OK. But otherwise you might die broke. My parents probably.
Fill out a quote request care insurance long term and find out how affordable LTC insurance may be for you.
The illness insurance problem in this country is better, but there is still a problem
Open registration for health coverage ends on Sunday. With that in mind, let's take a look at how our country is doing in terms of health insurance.
According to statistics recorded by Gallup.com, 14.6% of Americans not to Medicare in 08. Now, 7 years later, the number of Americans who lack health coverage dropped to 12.9%. This means that 87.1% of all Americans are now covered by some type of health insurance.
Things have improved, of course. But there are still many without coverage (the percentage is not as great as for life insurance, but it is still on).
Medical costs in the United States are the highest compared to any other country, to have coverage, you can avoid huge bills. As life insurance, health insurance gives you peace of mind. If you get sick or injured, your savings will not be emptied.
Having health coverage also encourages people to visit the doctor at the first sign of difficulty. This means early detection of potential problems.
The scope is huge, too. According to the subtleties of your health insurance policy, you may be covered for some or all of the following: outpatient care, treatment in the emergency room, the hospital visits, prenatal care and care post pregnancy, mental health support, counseling, prescription drugs, disability care, physical or occupational therapy, speech and pathology of language, psychiatric rehabilitation, laboratory tests and even pediatric care.
Why not get health insurance after seeing how much he brings to the table?
Finally, having health coverage means you will not have to pay a tax penalty at the end of the year.
Notify your life insurance company to "eat and Dashing" With your premiums -
It is perfectly legal for life insurance companies to take years or even decades of premiums from their clients and never pay a death claim.
life insurance companies are PRAY that you do not learn the little known secret. They literally can not afford to customers to discover
first, here are 3 substantive pieces of information you need to know :.
Fact # 1 : When it comes to insurance -life, there is always a loser is the customer or the insurance company
Fact # 2 . .. If the insurer pays the death benefit, it is practically impossible for them to make a profit from your policy
Fact # 3 :. a surprisingly high percentage of policies never have to pay the death benefit
There is a surefire way to know that, in time, your insurance company will pay, even if the odds seem to be stacked against you.
the secret of winning the game of life insurance is very simple ...
the secret to winning the game is simple. It can be summed up in six words: DIE WITH YOUR POLICY IN EFFECT
Sounds easy, right .? So why do so many people lose the game
They lose because their policies lapse before they die
Again, political MOST NEVER PAY death benefit? -. Not because of the negligence of the insurance company, but due to intentional or unintentional breaches caused by the policyholder.
This can happen for a myriad of reasons. Sometimes it is because they do not want politics. Maybe they get divorced, so they abandoned the policy voluntarily. Sometimes it is because they are going through hard times, losing their jobs.
The bottom line is that the insurance company does not care why they have become obsolete ... They collected premiums for years and end up having to pay a claim. In other words, they won and you lost.
The profits of insurance companies are all these obsolete and expired policies subsidize ridiculously high rates of return for enough smart people to keep their policies in force until they die.
Indeed, the losers pay the winners, and the "house" (the insurance company) takes a small cut. Almost like a casino ...
This is the bottom line: TO WIN THE GAME OF LIFE, you must have a policy that you will be able to keep until death. For most of us, it means a policy with a predictable, and affordable level premium for life.
The reasons that I speak Out
So why should I share the secret with you, even if you do not buy your life insurance from me?
First of all, I am in the life insurance industry for three decades. I handed benefit checks to widows to tears. I saw the mortgage and tuition paid. And I saw the financial devastation stacked on a family already in mourning. I hates to see families pay premiums for years and never get anything back because they allowed the expiration policy.
Second, I am hoping that now that you know the secret, you trust to manage your AccuQuote life insurance, as hundreds of thousands of other people.
to AccuQuote, life insurance is what we do. We live, eat, breathe, and life insurance of sleep. I went to the radio and television for more than two decades, talking about how amazing and important life insurance, and I am regularly asked by the media, including Wall Street Journal , USA Today , CNBC, the New York Times and Kiplinger magazine, to rule on matters of the insurance industry. I am passionate about helping everyone I can to understand it all!
If you have a life insurance policy, you are either going to win the game, or you will lose. We want our customers to win . Call us toll free at 800-589-0466 . We'll tell you how to win, and give you simple ways to get there.
You can also obtain a free quote on a life insurance policy with a predictable affordable premium will never increase, click on the red button Get Started at the bottom of the page.