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Should I file a complaint to my states Insurance Commissioner about my short term disability insurance company?

October 25, 2012 in Insurance jobs and educations

I paid for short term disability through my employer when I was employed. Then I got an illness and had to have several surgeries in succession and I lost my job. I filed a claim which they received 1 month and 2 weeks ago. After 1 month they asked for 2 more forms to be filled out; 1 by my ex-employer and 1 more by my doctor (Which I think was a duplicate). That was one week ago. I contacted the sales lady, and she said she is working on it, and I should receive an answer on this coming Tuesday (day after MLK Day). Should I file a complaint before that date comes with the state or wait to see if they attempt to delay my payment more?
The coverage was in place at the time the claim was filed and a payment was made for the month before I was let go.

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Permanent link to this post (334 words, 3 images, estimated 1:20 mins reading time)

Tags: About, Commissioner, Company, Complaint, Disability, file, Insurance, Short, Should, states, Term 3 Comments »

by The Broker

What would be the legal term for a way for someone to break a contract after discovering false info was given?

October 25, 2012 in Insurance jobs and educations

Ok…here is the story. My best friend (a guy) has had his girlfriend living with him for over a year. Back in January she told him that she did not think she was going to be able to continue paying her share of the rent and utilities because she had just become employed. She told my friend that the unemployment she was receiving was barely enough to cover the COBRA insurance she had paid in January and was about to pay in February. She made a deal with my friend (which was put in writing) that said she would not have to pay her share of the expenses starting March until she got a job. At that point she would then begin repaying him. Well, he knew she had an illness that required her to have the medical insurance so he agreed to the deal. However, everything was not as it appeared.

This is a preview of What would be the legal term for a way for someone to break a contract after discovering false info was given?. Read the full post (563 words, 3 images, estimated 2:15 mins reading time)

Tags: After, break, Contract, Discovering, false, Given, Info, Legal, someone, Term, would 2 Comments »

by The Broker

The Basics of Term Proposals Part II

October 21, 2012 in Car insurance

EduTrainer Steve Savant coaches you through basic term proposals. (Part 2) Illustrating Basic Term Comparisons — Proposal systems that illustrated health several health categories, periods of coverage and premium modes provide multiple consumer options. Health Classifications — there are five recognized non rated, nonsmoker health classifications: super preferred, preferred plus, preferred, standard plus & standard. Periods of Coverage — 10, 15, 20, 25 & 30 year indemnification durations. Some carrier actually customize term periods. Premium Mode — Annual, semi-annual, quarterly & monthly bank draft. Some carriers allow bank drafts for semi-annual and quarterly payments. Life Insurance Basic Entry Manual: Order- thebiz@brokersalliance.com Download Lincoln Benefit Life’s user friendly proposal software and follow Steve Savant as he teaches the basic concepts of life insurance at www.lblsales.com/etw You can download additional sale support materials including prospecting post cards and letters at www.lblsales.com/strategies/sales_customersExisting.php at EduTrainment workshops is sponsored by Lincoln Benefit Life, An Allstate Company.

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Permanent link to this post (309 words, 3 images, estimated 1:14 mins reading time)

Tags: Basics, Part, Proposals, Term Comments Off

by The Broker

I got a quote for term life insurance for 20 years?

October 20, 2012 in General

…and it cost $5717.28 is that what I’m supposed to pay monthly or yearly or for the whole 20 years?
I have high blood pressure. but it’s controlled since i’m taking medicine and eating healthy.
I have one son from previous marriage. I’m 49 years old.

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Permanent link to this post (194 words, 3 images, estimated 47 secs reading time)

Tags: Insurance, Life, Quote, Term, Years 8 Comments »

by The Broker

Affordable term life insurance quote?

October 9, 2012 in General

What good is affordable term life insurance?

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Permanent link to this post (149 words, 3 images, estimated 36 secs reading time)

Tags: Affordable, Insurance, Life, Quote, Term 2 Comments »

by The Broker

Life Insurance & More : How to Compare Multiple Term Life Insurance Quotes

October 3, 2012 in Banking insurance

Multiple term life insurance proposals should always be compared in a very specific way. Compare multiple term life insurance proposals with help from a member of the California Department of Insurance Curriculum Board and insurance professional in this free video clip. Expert: Tony Steuer Contact: www.lifeinsurancetoolbook.com Bio: Tony Steuer, CLU, is the author of “Questions on Life Insurance”. Filmmaker: Pierre Forcioli-Conti Series Description: When getting life insurance it is only natural to have a lot of important questions. Get the answers to all these questions and more with help from a member of the California Department of Insurance Curriculum Board and insurance professional in this free video series.

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Banking and Insurance in the New China: Competition and the Challenge of Accession to the Wto (Advances in Chinese Economic Studies Series)Financial reform has been a major concern for China's transitional economy - especially in the realms of banking and insurance - since accession to th... Read More >

Bank and Insurance Capital Management (The Wiley Finance Series)In the aftermath of the financial crisis, capital management has become a critical factor in value creation for banks and other financial institutions... Read More >

Jimmy Stewart Is Dead: Ending the World's Ongoing Financial Plague with Limited Purpose BankingDiscover how the global financial plague is poised to return, and what can be done to stop it

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Permanent link to this post (289 words, 3 images, estimated 1:09 mins reading time)

Tags: Compare, Insurance, Life, More, Multiple, Quotes, Term Comments Off

by The Broker

Joe Suozzo’s Insurance Agency – Long Term Care Insurance

October 3, 2012 in Car insurance

A note about long term care insurance from Joe Suozzo’s Insurance Agency in Derry, NH.

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Permanent link to this post (175 words, 3 images, estimated 42 secs reading time)

Tags: Agency., Care, Insurance, Long, Suozzo's, Term Comments Off

by The Broker

How to Properly Assess Term Spreadsheets

September 24, 2012 in Car insurance

EduTrainer Steve Savant coaches you through the process of assessing term spreadsheets. Underwriting — At first blush term life spreadsheets appear straight forward in ranking best annual premium. However, premium pricing is only as good as the underwriting classification. Many carriers on the “grid” are too conservation in their underwriting protocols, so their premiums on the spreadsheet are not taken as a serious premium quote. Conversion Privileges & Periods — Some carriers have limited conversion options and periods, which must be identified to the client in the case of future permanent protection. Permanent Product Carrier Inventory — Many carriers allow conversion to their permanent product lines, but the products are not consumer competitive. Life Insurance Basic Entry Manual: Order- thebiz@brokersalliance.com Download Lincoln Benefit Life’s user friendly proposal software and follow Steve Savant as he teaches the basic concepts of life insurance at www.lblsales.com/etw You can download additional sale support materials including prospecting post cards and letters at www.lblsales.com/strategies/sales_customersExisting.php at EduTrainment workshops is sponsored by Lincoln Benefit Life, An Allstate Company.

Interesting Stuff:

Who Pays for Car Accidents?: The Fault versus No-Fault Insurance Debate (Controversies in Public Policy series)

In this new volume, two lawyers debate which kind of automobile insurance is the best, no-fault or tort liability. This book presents in one place ... Read More >

Spanish for Car Insurance Agents

At last, the nationally-acclaimed occupational language programs from Command Spanish® that are used by the U.S. Government, Fortun... Read More >

Permanent link to this post (327 words, 3 images, estimated 1:18 mins reading time)

Tags: Assess, Properly, spreadsheets, Term Comments Off

by The Broker

The basics of Term Proposals

September 24, 2012 in Car insurance

EduTrainer Steve Savant coaches you through what you need to know about basic term proposals. Illustrating Basic Term Comparisons — Proposal systems that illustrated health several health categories, periods of coverage and premium modes provide multiple consumer options. Health Classifications — there are five recognized non rated, nonsmoker health classifications: super preferred, preferred plus, preferred, standard plus & standard. Periods of Coverage — ART, 5, 10, 15, 20, 25, 30 & 40 year indemnification durations. Some carrier actually customize term periods. Premium Mode — Annual, semi-annual, quarterly & monthly bank draft. Some carriers allow bank drafts for semi-annual and quarterly payments. Life Insurance Basic Entry Manual: Order- thebiz@brokersalliance.com Download Lincoln Benefit Life’s user friendly proposal software and follow Steve Savant as he teaches the basic concepts of life insurance at www.lblsales.com/etw You can download additional sale support materials including prospecting post cards and letters at www.lblsales.com/strategies/sales_customersExisting.php at EduTrainment workshops is sponsored by Lincoln Benefit Life, An Allstate Company.

Interesting Stuff:

Who Pays for Car Accidents?: The Fault versus No-Fault Insurance Debate (Controversies in Public Policy series)

In this new volume, two lawyers debate which kind of automobile insurance is the best, no-fault or tort liability. This book presents in one place ... Read More >

Spanish for Car Insurance Agents

At last, the nationally-acclaimed occupational language programs from Command Spanish® that are used by the U.S. Government, Fortun... Read More >

Permanent link to this post (314 words, 3 images, estimated 1:15 mins reading time)

Tags: Basics, Proposals, Term Comments Off

by The Broker

been approve for std/disapprove long term dis/how to dispute?

August 31, 2012 in Insurance jobs and educations

how can my job make me pay such a higher premium for insurance when i am still employed. switch me from group ins to cobra. thought cobra was when you lost your job

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Permanent link to this post (205 words, 3 images, estimated 49 secs reading time)

Tags: Approve, been, dis/how, Dispute, Long, std/disapprove, Term 1 Comment »

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