Life Insurance For a Cancer Survivor

If you have suffered from cancer and recovered, I applaud your hard work and determination. Unlike people that have not suffered from this ailment, you know the importance of life insurance because you know that life is not something to take for granted.  The unexpected, can be expected, anytime.

The good news is that there are insurance companies that do accept people that have had cancer and will issue a standard policy with first day full benefits.

Being able to obtain a standard issue life insurance policy, if you are a cancer survivor, is dependent upon finding a company that will have underwriting requirements that either don’t ask about your particular type of cancer or will only ask if you’ve had it within a certain period of time. This varies by company and is generally 3, 5 or 10 years.

Skin cancer, such as minor skin blotches that only require outpatient treatment are normally disregarded by insurance underwriters. In other words, that doesn’t matter as it’s common and generally is not life threatening.

Various companies will ask if you have had cancer…

  • within the last year
  • within the last 2 years
  • within the last 3 years
  • within the last 5 years
  • within the last 10 years
  • within the last 3 years, other than malignant forms of skin cancer

The only way to be able to know which company will accept you based on your survivorship requires either a lot of research, going through a very well educated insurance broker, or by using an online website that allows you to compare actual policy and underwriting requirements from several companies in one place. The latter is the most convenient way to find a company that will best fit your needs, most conveniently.

A Strong Insurance Lead Generation Program Should Include an Educational Webinar Series

A strong outbound insurance lead generation program can and should include an educational insurance webinar series. Agencies, brokers and wholesalers which have incorporated insurance webinars into their marketing initiatives have seen impressive results, registration often ranges from 50 registrants to over 300 registrants, and a 60% or greater attendance rate can be achieved with educational content and interesting topics. Insurance webinars are effective for essentially any agency, broker or wholesaler, but are most effective when targeting groups such as transportation, construction, benefits/health, etc.).

Webinars help showcase expertise, demonstrate thought leadership and elevate the conversation from insurance sales to partner and consultant. Where can agents and brokers find topics and speakers? Leverage internal experts, external partners, carrier partners, consultants, CPA,s tax advisors and industry consultants to create a well respected and well attended webinar series. And to ensure an optimum result, insurance organizations can either leverage their internal marketing team or outsource the initiative to a proficient insurance marketing agency.

The marketing catalyst for insurance webinar series rests upon email marketing and social media marketing campaigns. Both can prove highly effective in driving registrants to an insurance webinar series. Insurance email marketing initiatives should be handled by digital marketing professionals, ensuring agents and brokers are adhering to CAN-SPAM and opt-in email marketing best practices. Email marketing initiatives are only as good as the underlying email marketing list. Agents and brokers who do not have a comprehensive prospect and client email list should work on building one immediately, and if they are unsure how to accomplish this, should seek qualified outsourced guidance on this important topic. A high quality target list is not only the foundation for successful insurance digital marketing, it is an important and valuable digital asset for every agency and broker!

Social media marketing is often an untapped resource for agencies, brokers and wholesalers, as it is now common for 50% of registrants to be gleaned from LinkedIn, Facebook and Twitter, assuming agents and brokers have a viable insurance social media marketing initiative in place. LinkedIn remains the most important social media platform for B2B centric insurance agencies and brokers, while Facebook should be the go to platform for B2C campaigns. That said, with there are many good and inexpensive tools now available to post simultaneously to all major social media platforms. For example, let’s say a broker wanted to announce a new “ACA and Compliance Update Webinar”. This message could easily be posted to LinkedIn, LinkedIn groups, Facebook and Twitter at the same time, and the posts could be automatically tracked. There are many cost effective cloud based solutions now available to do this.

Webinars combined with professional email marketing and social media marketing campaigns can provide an impressive educational foundation for agents and brokers seeking to differentiate themselves from the pack. Web Seminars can target prospects, clients or both, to help keep agents and brokers establish and maintain their “digital” relationship. These live webinars can then be recorded, and used as video fulfillment to augment insurance websites, resource libraries, and YouTube channels to extend the reach of any agency, broker or wholesaler.

Choosing a Life Insurance Policy For Your Family

Life insurance helps you feel comfortable in facing the future. It helps you worry less about the problems that are yet to come. It is simply a pact between the company and the client. The latter sends money to the insurance provider. That money will be used by the company on its other investments and this is where they get the income. However, when the time comes that something happens to the client, the company has the responsibility to shoulder any expenses that the client will spend on the medicines, hospital bills and other miscellaneous fees. Life insurance may also be used by the client due to old age. It is not very far from what we know as pension. The company will return the money that the client started paying during the start of the transaction. The client has the choice to pay the pact all at once or pay it regularly and stop only until the time that insurance reaches its maturity.

Other types of insurances are made for automobiles, house, education, health and even money itself. Automobile insurances are obviously used to secure the car of the owner when an accident occurs. This type of insurance may vary greatly and it depends on the decision of both the insurance provider and its client. In case of fire, a person with house insurance may claim money that was put prior to the drastic event. Education insurance will make you feel that you are no longer paying tuition fee. This type has the most number of clients because of the certainty that people will always study at one point in time. Health insurance will cover the expenses that the client has made when an accident happens. A bus liner may offer a health insurance to its passengers. It is, however, the option of the client to avail because if there will be no accidents during the trip, the money that was given for insurance will not be returned to the customer.

However, this very helpful tool requires a little effort to have. It is very important to look for the best insurance. A large amount of money will go to waste if you land on a sour transaction. There are many related products but you have to choose the right thing that will suit your situation. Here are some of the tips that will help you in choosing the best life insurance.

Always feel free to explore the market.Do not be afraid to say no to companies you think will not give you enough. Do not be swayed easily of their good offers at the start. It is always nice to have many options. Roam around many places for you to find more choices. Remember that life insurance is a lifetime investment. You cannot afford to land on the wrong company. If there is a way to check the background of the company very well, please do so. If possible, know the assets and liabilities of the company because this will let you know where your money is going.

Find the most suitable offer. There will be deals that are so good yet so expensive. Always think that you do not have to buy these ones because you have the choice to pay regularly. You have to choose the plan that will make you feel really comfortable. You do not have to force yourself to put all your income in the insurance. This instance will only make your life harder because you know that the present still matters a lot.

Start when you are ready. Oftentimes, companies forfeit the chance of the client for the insurance when they were not able to report payments regularly. Do not waste the time and the effort when you know that you cannot meet the demands of the insurance provider yet. Find a stable job that will support this investment. Do not begin especially when you know that you will fall short of the requirements.

Always remember that life insurance is very important. It helps you relax when you are already old. You do not have to work hard for the food you are going to eat. Put the extra effort of getting yourself ready for the transaction.

Specialized Insurance for the Food Street Vendor and Food Truck

You might call them the moving food store, much like a restaurant, eatery or bistro without walls and locality permanence. To the insurance companies, the food street vendor that displays his or her delicacies on the side or curb side or along the street as well as the food truck that travels from work site to business site in order to cater to hungry outdoor patrons are both in a commercial class of their own in terms of indemnity coverage.

With a specific risk exposure that differentiates each of these industry businesses from the standard food or snack retail outlet, the food street vendor and food truck needs their own specific insurance policy, tailored explicitly to the various hazards they face on a day to day basis.

This article, written under the auspices of an experienced insurance independent agency that does business with scores of the leading underwriting firms, sheds light on the matter.

What type of business coverage do the mobile food shops, such as the street vendor and food truck actually require? The following summarizes the basic points in question.

Food Street Vendor

Pre-disposed to business interests, the cities, towns and various municipalities that dot the national map disperse licenses to permit street merchants that sell prepared food and fruit to passing pedestrians on roads, streets and sidewalks. Delectable tastes, smells and presentations tempt passersby with their offerings of tacos, pizza, hot pretzels, hot dogs, French fries, subs, and so on. Related insurance coverage includes property, inventory, supply, general liability, products liability and auto liability. Coverage and related premiums, though, are tailored to the individual vendor through any of the related nation-wide insurance companies to optimize and customize commercial protection.

Food Serving Truck

Similar to the street vendor but with its own set of individualized coverage needs as a result of its mode of truck commute, the food serving truck is also equipped with a city, town, or municipal business license to operate. Providing a full menu of hot and cold food and snacks to its hungry customers, the food truck requires the shielding coverage of the vendor and more: property, inventory, supply, general liability, products liability, auto liability, as well as the actual truck insurance coverage.

Of course, interested parties are best off delving deeper into the related insurance matter with a professional that has his or her best interests in mind and has the ability to make him or her into an educated insurance consumer.

Bon Appetite!