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Thursday, 3 January 2019

California known bank, drop insurance license for a period of time .

California known bank, Wells Fargo, to pay $5 million fine and drop insurance license for a period of time .


The San Francisco based bank agreed to give up its insurance licenses for two years.


The bank Wells Fargo,has agreed to pay California $5 million to settle allegations that it opened insurance policies for its customers and charged them without their consent.
The company agreed to give up its insurance licenses for two years and to pay another $5 million if it ever wants to sell insurance in California again.
Insurance Commissioner Dave Jones accepted the settlement on Wednesday. He says company representatives issued about 1,500 insurance policies without the consent of customers. The settlement is part of a massive unreal account accounts scandal that has tarnished the reputation of one of the nation’s largest banks.
Wells Fargo spokeswoman Catherine Pulley says the company has worked to make things right for customers and earn back their trust. It previously stopped issuing new insurance policies.
For more information click HERE

Sunday, 2 December 2018

Health insurance enrollment is now open for the new year

Health Insurance

We are happy you make this move, enroll for the 2019 health insurance coverage. 

The enrollment is ending on 15th of December 2018 while the coverage will start on 1st January 2019.
You can visit here for more tips 

For the steps involve Check here.
Remember the enrollment is closing in 12 days time starting from the day this article is been publish.

Thursday, 22 November 2018

Car insurance best tips




To start with most car insurance providers offer you a choice between Comprehensive, 3rd Party Fire, and 3rd Party Only vehicle Insurance cover, so you can take the one that best suits your individual needs.

Having the right car insurance cover for your specific needs makes it easy to confidently go about your day and live your best life, that’s exactly why we cover a variety of car insurance products to choose from. No matter the kind of driving needs you have, we’ll explain the different kinds of insurance out there plus key features they should come with.

BROAD COVERING

When it comes to your well-being and that of your family, we know that you’re a cautious but great decision-maker. That’s where Comprehensive Car Insurance comes into play. It’s an all-inclusive, all-encompassing insurance policy that will cover your vehicle against just about all risks and perils.
You’ll also be covered for your own damage as well as the damage, costs, and expenses of any third party in the event of an accident that you caused.
Most providers will also include the following great benefits

1) The towing and storage of your vehicle if it is involved in an accident.
2) Medical costs of up to R500 in the event of an accident.
3) You can add cover against theft and damage to your vehicle’s canopy and sound system to your insurance schedule.
4) You can opt to have hail damage cover included.
5) You can also choose to take the car hire option, which will get you back on the road in no time if your vehicle has been stolen or damaged.
Remember that if your car is financed by a bank, Comprehensive Vehicle Insurance is a must deal

FIRE, THIRD PARTY AND THEFT INSURANCE

With this policy, you can confidently drive yourself and your loved ones around knowing that you’re covered for the basics, and then some. Third-party, Fire & Theft Insurance will protect your car against theft, fire-related damages, and damages you have caused to another person’s vehicle during an accident.
While this type of insurance does not extend to any accident or accident-related damages to your own vehicle, it does include substantial benefits.
Most providers will also include the following great benefits.

1) The towing and storage of your vehicle, if it is involved in an accident, may be included.
2) Payment of medical costs up to R500 if any of your vehicle’s occupants are injured following an accident.
3) You can choose to take car hire to get you back on the road if your vehicle has been stolen.
4) You can increase your Third-party Liability Cover to R5 million, R10 million, or R20 million for a small additional fee.
5) You have the option to upgrade this policy to include a number of additional car cover options, such as covering your vehicle’s canopy, sound system, and windscreen.

ONLY THIRD PARTY INSURANCE

If you just need the basics so that you can ensure you and those around you are looked after on the road, then Third-party Only Insurance is the cover for you. It will protect your financial well-being and cover expenses, costs, or damages you may cause to another person’s vehicle if you’re in an accident. You will also be covered if your car damages another person’s property. Note that this kind of insurance will cover the other person’s property and not your own.
Some providers will also include the following great benefits
1) Medical expenses if anyone is involved in an accident up to a certain amount.
2) The sound system in your vehicle can be insured along with your policy if you specify cover for it.
3) You’re also able to increase your Third-party Liability cover to R5 million, R10 million, or R20 million for a small additional fee.
4) Note that most Third-party Only Insurance does not include towing and storage.

MANAGE YOUR ONLINE POLICY

The fact that you are here now shows that you are probably not the typewriter and fax machine type. You have embraced the power of the World Wide Web and appreciate just how convenient it is to do things in digital rather than in analog. We echo that sentiment wholeheartedly. That is why you should ensure your provider has an online policy management portal that allows you to make hassle-free changes to your policy anytime. No more carrier pigeons or smoke signals required, sign up now to take control of your insurance policy.

HAVING UNCOMPLICATED CLAIMS PROCESS

Tired of having to jump through hoops to claim? Search for providers that are continuously working to improve their processes in order to make it as painless an experience as possible for you. We believe that you should not be ashamed of claiming when you need to, after all, that’s what insurance is for.


INSURE YOUR CAR FOR THE RIGHT VALUE

1) Retail value (the recommended insured value – the current selling price on the dealer’s floor as per the Trans Union Dealers Guide)
2) Market value (the average between the vehicle’s retail and trade values)
3) Trade value (the average price that a motor dealer will pay you for the vehicle as per the Trans Union Dealers Guide)
4) Special agreed value (which applies to unlisted, vintage and collectors’ vehicles, caravans and trailers where a valuation is given by an appropriate approved source)
5) Here are some Frequently Asked Questions:

WHICH CARS HAVE THE CHEAPEST INSURANCE RATE?

Always look at the insurance grade of the vehicle you are going for.

KNOWING THE AMOUNT IT COST TO INSURE A NEW CAR?

The cost of insuring a new car can be more expensive than a slightly older or second-hand model. The price you pay depends entirely on the kind of car you want to ensure, the insurer you choose to go with, and your personal info, like how long you’ve had your driver’s license and how old you are. s are refundable, subject to the terms and conditions of the car hire service provider).

KNOWING THE BEST CAR INSURANCE

The best car insurance is the kind that offers you a fair and logical cover for your car without compromising your budget. Some providers offer you super quality, super cheap car insurance premiums that decrease monthly in line with the depreciating value of your car.

HAVING INSURANCE IS IT IMPORTANT BEFORE BUYING A CAR?

1) You don’t have to have insurance to buy a car. However, if you’re taking out a loan from a bank or financing house to pay for your precious new (or new-to-you) car, then it’s compulsory to get comprehensive car insurance
2) Do I need insurance to drive a used car off the lot?
3) In South Africa, you need insurance to drive a used car off the lot if you’ve financed the car. If you didn’t get a loan from the bank, then you don’t need insurance. But you should consider having insurance anyway because once you drive it off the lot, you’ll be responsible for any costs if you have an accident or if it’s stolen.
4) Can I get car insurance without a driver’s license?
5) You can’t get car insurance without a driver’s license in South Africa. Not only is it illegal to drive a car without a license, but the length of time that you’ve had your license is 1 of the risk factors that determine your premium.

Thursday, 15 November 2018

How to become best insurance agent



There are many forms of insurance sell before we discuss the major insurance sells, I will like to let you know about becoming an ADJUSTER  which is the business of investigating and adjusting claims on an insurance policy. Insurance adjusters also solicit for the adjustment business.
In a  number of cases, you don’t have to pick just one line of authority. Individuals often combine certain lines, such as property and casualty insurance.

Knowing the  Kind of Insurance You Want to Sell

The first thing you want to do is decide what type or types of insurance you’d like to specialize in. In the industry, these are referred to as “lines of authority. ” Here’s a rundown of the most common:

Life insurance: Selling policies and annuities related to providing for a beneficiary upon the death of the insured. 

Health insurance: Selling medical, disability, Medicare supplement, and long-term care policies.

Property insurance: Selling homeowner, commercial property, and inland marine policies.

Casualty insurance: Selling auto, workers compensation, crime coverage, and professional liability policies.

Surplus line insurance: Selling coverage for unique or unusual situations with risks that aren’t covered by standard insurance, such as daycare insurance, oil drilling rigs insurance, and special events like state fairs, car races, and outdoor amusement parks.

Variable products insurance: Selling insurance products with an investment element. To sell this kind of insurance, you need securities licenses.

Personal lines insurance: Selling products like auto insurance, homeowners insurance, renters insurance, and policies for boats, motorcycles, and snowmobiles to individual consumers only.

Knowing the main Requirements

After you’ve decided what kind of insurance agent you want to be, the next step is to understand the basic requirements.

You need to be at least 18 years old to become an insurance agent.

You need to complete license education for your line of authority, which is determined by each state. The number of hours you’ll have to complete and the cost also varies by state.

You need to pass the state insurance licensing exam for your line or lines of authority. An early preparation can help.

You need to pass a background check. The process varies by states and, in some cases, includes fingerprinting. 
you need continuing education to keep or renew your license.

Select  a State and Find Out Its Requirements

Now that you have a basic idea of what you need to do, it’s time to decide whether you want to sell insurance in your home state or some other state. (You can also sell in more than one state, but you also must abide by the rules for each.) As you saw in Step 2, each state regulates its own insurance licensing process, and each state’s regulations or rules are slightly different, so this is why deciding on where is so important.
After you’ve made your decision, check with the department of insurance in that state for the rules. The state bodies of government that regulate insurance have different names, so a good way to find out the name of the state’s insurance body is to go to the official website of the state and search for the insurance licensing rules. Most state insurance web pages are quite helpful and often have handbooks you can download and read to get all the information you need to become an insurance agent in that state. You’ll find out exactly how many hours of education (if any) you need, how to register for the exam, where to go for the exam, how you’ll get your score, and—if you pass—how you’ll get your license.
Each state website will also tell you what kind of continuing education you need to keep or renew your license.

Search for Agencies

It is also the time to search for any agencies for which you want to work. Many have additional requirements for candidates or agents to follow that you’ll need to be aware of if you want to work there. Also, some agencies will hire you before you have a license, and they might have specific processes you need to follow.

Insurance of living your dream life






This article actually express steps to self improvement, hope you will find it interesting. Thanks to Amie Erickson



  Before I get into this, it's important that you simply perceive what self help, personal development and self improvement, actually mean? In a nut shell, it's exactly what it says on the tin, anything to try and do with improving or developing yourself. As an example, career, relationships, health, psychology, etc.. Self facilitate is largely any type of information, or tools that facilitate your, to help yourself.

I've got a fast query for you...

Has there ever been a time in your life where you couldn't sit up for tomorrow to come? or maybe didn't want to travel to sleep as a result of you was having such a great time? You need to have felt like that a minimum of once in your life, right? I bet you even have a huge smile on your face simply remembering those 'smart times'...

But here's the thing, why can't each second of every single day be like that, for you, me - ALL OF US?...

Well truly, it will! However in fact, FIRST, you would like to know how that's done. However let me tell you something, it's a lot of easier than you would possibly think...

Do you believe this is attainable?...

Perhaps you think that I'm a dreamer, if you are doing, that's cool! However what if I told you that this situation is strictly what my life is like. Furthermore, what if I told you that my life 'ought to' be a 'misery', according to some individuals?...

Well, that's the fact of it. You see, I have a condition referred to as Multiple Sclerosis(MS), that typically leads to complete debilitation. One amongst the many symptoms are stress and depression. So how then am I ready to measure my DREAM Life!? Well, the answer is simple...

With good self improvement strategies!

I urge you to affix me and make this your reality too. Everybody deserves to live a unprecedented life, and now, with these simple ways, EVERYBODY can.

If you are at all inquisitive about self improvement or personal development, it's important to urge '1st things FIRST'. In alternative words, start from the bottom up. Image this, imagine I gave you a recipe to create a cake, you wouldn't begin from step five, would you? Self improvement is no different...

Therefore, let's do things properly and begin from the all necessary first step!...

STEP ONE is the most vital step of all, and it plays the largest part in what we have a tendency to all crave in life - Happiness! Step one isn't solely the most necessary step, however also the most difficult. This is often the stage were you build your life's foundational values, but not just any old values, they have to be ROCK SOLID values.

STEP TWO helps to suit the items to your self improvement puzzle. Basically, you've got to 'recognize', or have a theory, about what that means of life is. 'Knowing' this, will facilitate your to shape your life. My theory on what life means, is this - "Life is a never ending, 'roller coaster' journey of CHOICES and EMOTIONS". Ultimately, everybody desires to be happy. Onto step three...

STEP THREE, is to search out, or perceive, what YOUR purpose in life is. Place another method, "what were you place on this planet to do?" Do not worry, this is not as tough or mysterious because it could sound, we all have the right 'tool' for doing this - Our EMOTIONS. Yes, it is true, your emotions will be your ally or worst enemy, and typically at the identical time! Thus ask yourself, "What's it that I really love doing?". Currently take that a step more and raise yourself, "What FEATURES does my passion have that I really like?".

STEP FOUR involves really constructing your DREAM Life. This bit will stretch your self improvement prowess to the limit, but don't worry, this is very a lot of doable. This step relies on the options you identified in step 3 and one in all the foremost powerful personal development tools around - GOAL SETTING! Try this for each of the different departments of your life. As an example, Health, Wealth, Relationships, etc. All of this comes along and forms your terribly own, personal development plan. And now for the extremely exciting bit...

STEP FIVE - Live the life you have designed in your personal development plan. In alternative words, live your DREAM Life!

Naturally, there's a bit a lot of to it than that, but hopefully you get the general gist of self improvement, and what is required to measure your DREAM Life!

It takes simply 1 second to choose to vary your life, so what are you going to come to a decision to do in the subsequent few seconds? It's over to you. If you had simply 30 days left to measure, what will you do? What are you doing?


Wednesday, 14 November 2018

Insurance of being a successful entrepreneur



Great entrepreneur who are successful, All have there various hint. Here are the six must followed steps in becoming a successful entrepreneur.

If you are thinking about becoming an entrepreneur, you are more than likely wondering what it truly takes. There’s no specific answer that applies to everyone.

I) Always Read

The problem is that many people keep on thinking that reading is only students business, the forget that reading is learning and it is important to entrepreneur in order to develop him/herself.
Read books that will motivate you to work towards the goal you set,watch videos of other successful businessmen to know where they got it wrong during their startup stages.

II) Work smarter and harder.


Many people envision an entrepreneur as being someone who works 18-hour days, doing nothing but eating, sleeping and breathing his or her business. We tend to paint the picture of someone so driven to succeed that their entire life involves working. Of course, hard work is a key to succeeding as an entrepreneur — it takes grit, after all.


But it doesn’t quite look like that in reality: Working every minute of the day isn’t going to automatically make you a successful entrepreneur. This approach would mean that the entrepreneur is responsible for doing everything, like the old adage, “If you want something done right, do it yourself.” That approach may work occasionally, but the majority of people aren’t capable of sustaining such a grueling pace for a long period of time.

Overworking leads to fatigue, which leads to errors. Additionally, how many people truly have the skills to do everything? Most of us can do a couple of things really well. There are other things we are average at, and plenty of things that, let’s face it, we are just not good at. You have to learn how to work smarter, not harder, and it’s a mindset that will take some time to get used to.

III) Hire people to handle some tasks for you.



It’s simple: Hire people to do the things you are not good at. This allows you to focus on the areas of your business that you bring the most value to, while you have people in place focusing their attention on the areas that they bring the most value to. It’s an advantage for you.

Smart entrepreneurs understand the importance of delegation. It sometimes takes becoming overwhelmed (and failing) before you fully understand why it’s so important. The thought of adding additional team members and employees can be scary, as is the cost associated with building a large staff. But thanks to the virtual economy we live in, you can find the help you need in the form of freelancers and contractors.


Websites like Freelancer.com and Upwork.com give you access to talented workers to handle tasks like graphic design, web development, sales prospecting, financial analysis, multimedia production or virtually any other need.

IV) Get more done with small cash

Although using freelancers is not the most ideal situation for an established company, when you’re an early stage company, using freelancers and third-party contractors can be highly effective and won’t break the bank. In fact, it can be extremely affordable, thanks to basic supply and demand.

This dynamic is reinforced by the fact that many of the freelancers are based in markets overseas. The cost of living is lower, making our dollar go much further there. This approach is much more cost-friendly when compared to full-time employees, as freelancers are compensated only for the work they’ve completed.

V) Don’t be afraid of doing it wrong(because you will).


Working smart, finding the right people to get the work done and doing more with less are all keys to being a successful entrepreneur. Unfortunately, they are not guarantees. You have to be realistic — not every business succeeds.

Sometimes the concept just wasn’t right or the competition was tougher than anticipated. Oftentimes, completely unforeseeable situations occur, ruining your forward momentum. You have to be prepared to fail, but more importantly, not be afraid of failing.

VI) Wake up with your goal every day.

The largest contributor to the success of an entrepreneur is the fact that they simply did it. They woke up every day, working hard until they made it happen. They pushed through, even during the difficult times.

Steve Jobs once said, “Life can be much broader, once you discover one simple fact, and that is that everything around you that you call life was made up by people that were no smarter than you. And you can change it, you can influence it, you can build your own things that other people can use. Once you learn that, you’ll never be the same again."

Following all of the steps above won’t guarantee success, they can help stack the odds in your favor. If you fail this time, you have better odds to succeed next time. Remember, every problem has a solution. Concentrate on what you are good at, and put people in place to do the rest. Make it a habit to do more with less, and focus on working smarter and harder.
Check here for more They-five-must-follow-rules-to-becoming-a-successful-entrepreneur/

Tuesday, 13 November 2018

8 insurance of blog traffic



Blog traffic can mean big business, the traffic is the most important thing in online business because through the traffic your blog generates you will have the audience you are dreaming above.
Keep reading to learn how you can get more traffic to your blog.


1) Write Guest Posts

Did you come across sites in your research that welcome guest posts?
Maybe you saw a site that shared the same target audience as yours, or there was a thought leader’s site in your industry that welcomed posts.
This is an excellent opportunity to expose your work to more people and get valuable backlinks to your site.  If you get an opportunity to write for the right website, you can even get paid to blog.
Just be sure that the sites are more popular than yours. Otherwise, you won’t get the traffic or backlink benefits.

2) Use Analytics & Webmaster Tools

If you want to know how to increase blog traffic, you have to know your baseline or starting point.
The only way to do that is with data.
If you don’t already have Google Analytics or Google’s Search Console set up, that is the first thing you should too.
You should also get connected to Bing’s Webmaster Tools.
These tools will give you insights as to how much traffic you’re getting and where it’s coming from. You’ll also see how long people spend reading your blog posts.

3) Know Your Audience

Another way to get more traffic to your blog is to research topics your audience is interested in. You can do that by researching questions posted on Reddit and Quora to get ideas.
For example, if your blogging about personal development, you might find that a common theme is that people are looking for ways to be more productive.
You can then write out content ideas based on productivity. You can also take that a step further and get content and keyword ideas from this keyword research tool.
You can also look at Buzzsumobuzzsumo to see the headlines of the most viral articles to see what people are sharing.
This will help you get content ideas that your readers are interested in and make them SEO friendly and shareable.

4) Expand Your Audience

One way to increase blog traffic is to expand your audience. You can do that by making your blog friendly to international audiences.
Let’s say you have a blog post on how to increase blog traffic in English. You’ve been learning enough Latin to be able to translate that to” “facta non verba”
You’ve just opened the door to a brand new audience and an opportunity to get more blog traffic.
Don’t worry if you feel overwhelmed by the thought of having t translate your entire site.
The great thing about WordPress is that there’s a plugin for everything, translation included.

5) Create a Great User Experience

As a blogger, you have to create an excellent user experience. That means having a site that’s easy to load, easy to use and readable across many devices.
This point is often overlooked by bloggers, but what they don’t realize is their site could be costing them traffic.
People want and expect fast websites. Up to 40% of people will leave your site if it takes longer than 3 seconds to load. To make matters worse, if you’re blogging for an e-commerce site, 79% of shoppers will never return if they think your website is slow.
The first thing you should do is check your site’s speed. There are a couple of tools to use to do that, from Google’s Page Speed Insights and Pingdom.
Both tools will tell you if your site is slow and what you can do to fix it. Sometimes, it can be as simple as compressing images. Other times, you might have to adjust the code.

6) Use Images in Your Posts

Would you like to know how to increase blog traffic with visuals?
The use of images is part of the user experience, too. When you use images, you increase the chances of the article being shared.
The images used have to be relevant to the content and add to the article, not take away from it. Infographics are a great tool to use if your content has a lot of data.
People like to read statistics, but they tend to process them visually. That’s why infographics are so powerful. Readers can quickly look at the graphic, process it, decide it’s interesting, and share it.
That, in turn, will generate more traffic to your blog.

7) Social Media & Email Marketing

Social Media Examiner found that 81% of marketers who used social media for just 6 hours a week found that website traffic increased.
That’s just about an hour a day to increase traffic to your blog.
The one thing to note here is that you don’t have to be on every social network. You just need to be on the networks that your target audience uses.
If you have an email list, you also want to stay connected with them throughout the buyer’s journey. Most of the people who visit your website won’t be ready to buy.
You can stay top of mind by blogging and emailing your list. This gives them a reason to visit your website again and again.
With email marketing, you’re increasing traffic, and you’re nurturing prospects, which increases the likelihood they will buy.

8) How to Increase your blog traffic

Getting more readers to a blog is a consistent challenge for many bloggers.
However, it doesn’t have to be harder and just atime-consumingng as writing the content itself. As long as you focus on the reader you’ll get more traffic in no time at all.
Make sure your website is fast and easy to use, and write top-notch content that’s your readers will be interested in and keen to share.
That’s how you increase traffic to your blog.