Becoming a Life Insurance Agent – Discover More About This Relatively Unknown Career Path

For the life insurance agents, job opportunities are very high for those who have a good background in finance and computer skills. In these days, life insurance agents use computer applications or smart system to handle risks correctly. Smart system helps in avoiding unnecessary losses and also helps in making good decisions. The work of insurance agents is also influenced by internet as it helps the agents to access quotes and information faster and therefore reduces the paperwork.

Job opportunities are high for the graduates who have business administration course. Opportunities are also high for those who have bachelor’s degree in computers and accounts. Normally insurance agents start as a trainee or as an assistant agent. In this position your role is to provide needed information about the status of client, as you gain experience in this field, then you will be promoted to do more complex policy work. Working as an agent will be a quiet satisfying job for those who like to pay attention to the details. You can get a good opportunity if you have good communication skills in you.

Insurance agents who advertise their schemes and policies using internet are more likely to expand their business. Agents who can speak multiple languages have very high demand as they can represent to any customer. Another successful factor is to have knowledge of technical and legal insurance terms. Most of the agents normally are paid on the basis of salary, bonus and miscellaneous commissions. The commission they get depends on the number of insurance policies sold, renewal of policies and premiums sold. Bonus will be given for the agents who meet their targets. Beginners try to adopt this as a full time profession without doing necessary ground work. As such, they fail to meet their goals, fail to earn more and finally opt for some other field. But, those who have mastered the basics, get themselves equipped with necessary skills and make an attempt to adopt it as a full time profession have been able to successfully build profitable career in this field.

To discover what it really takes to become a successful life insurance agent click-here

Auto Collision – Insurance Companies Will Fix Your Car With Used Parts!

If you are in an auto collision, forget who is at fault for a minute. The insurance company will try to fix your car with used parts. They will not try, I was too kind. They will fix your car with used parts! How can this be legal? I believe this is highly unfair, but yet it is perfectly legal. Insurance companies around America are cutting cost and fixing cars with cheaper parts. Forget the original manufactured parts; you get some nice Taiwanese parts. What happen if there are none available? You will get a nice recycled part form a junk yard!

In other, words, your BMW will not get original BMW parts; it will get something of less quality. Adjusters will argue that this used part, second hand parts, re manufactured parts, Original Equipment Manufacturer (OEM), or/and after market parts are as good, if not better than the original ones. I believe this is a questionable claim.

I hate to report this is very “normal” for all insurance companies. Your carrier and the carrier of the person that hit you will do the same thing. They will price out the cheapest parts to fix your car. It gets worse. The insurance carrier will also make sure that you do not go to the dealership for the repairs. You have to go to a body shop that has a “reasonable and necessary” labor rate. Insurance companies argue that the dealership hourly rate is much higher the average body shop in your area and therefore it is unreasonable. They only owe for reasonable expenses, so you will be holding the bag. It does not matter that you have auto collision coverage and full coverage. The insurance company will fight you over this.

How can they get away with this? Insurance companies are very good litigators and lobbyist. The theory is that insurance companies owe you to “put you back in the position you were before the accident.”
They argue that at the time of the accident you had a “used vehicle” (unless you just drove off the lot). Since your car is used, then your parts are used. Therefore, they will pay only for used parts. If no used parts are available, then they will “allow” for new parts, but only OEM parts (manufactured in countries outside the US).

So what are your remedies? How can you protect yourself? This is one is a hard to fight because most attorneys will not get involved with any auto collisions that does not involve some sort of bodily injury. So you are going to have to fight by yourself. You can do one of two things. You could pay for the difference between the second hand parts that the insurance company wants to buy and the original parts that you need. You also would have to pay for the difference between the labor rates.

You can also ask for a letter of guarantee directly from the insurance company. A letter of guarantee is a document where the insurance company agrees to fix your car in the event that you have any problems with the parts and/or the workmanship of the body shop. The damages must be directly related to the auto collision in question. Insurance companies will try to look on the other direction when you ask for this letter. They will tell you to ask the body shop directly. Do not let them do that. You want assurances form the insurance company. They are the ones that are telling you that these parts are as good as new. If you ask and you are firm, you could get them to give you written warranties.