Finally, How To Find The Best Life Insurance Leads

13 Aug

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Locating a lead producing firm can be an exhaustive method not to mention high-priced. For Life Agents focusing on the final expense marketplace obtaining individuals to see every single week is the only way to be definitely effective.

With so numerous IMO’s out there supplying the “Greatest Lead” how does a single determine what truly a good lead firm is? To commence answering this query we very first want to look at the IMO (Insurance Marketing and advertising Organization). The key right here is the “Advertising” an IMO’s job is to give its agents the marketing they want to be profitable or the “leads” to make sales.

Leads come in a variety of forms from direct mail, telemarketed, preset appointments, and voicemail. Dependent on the IMO they will specialize in one particular form or one more and provide to their agents leads on a per lead price basis. Some IMO’s make the claim of providing leads to their agents free of charge. Beware of these claims… the old rule of thumb applies – if it sounds too good to be accurate is normally is.

“No cost” leads come with a expense most most likely in the form a really low contracts or extremely poor quality. As of February 2012 the law on voicemail leads changed generating these leads illegal in the US. What altered is that now in order to have a solicited voicemail the particular person becoming known as has to provide “written” permission. Prior to this year businesses generating these leads only need an opt-in choice to obtain permission.

Direct mail leads are on the highest in cost to the agent as you will want to run your weekly campaign for 3 weeks in a row just before you start see any real numbers of leads coming in. With the postage increase the common cost is $400 per 1000 piece mailer with a return on invest of about 1 to 1 % return. That is 10 to 15 leads if the message is excellent most IMO’s will tell you program on at least sending 2500 to 3000 pieces per week to produce 25 to 30 leads.

If you happen to be performing Direct mail on your personal that is not under an IMO then this price can be exceptionally expensive. Most IMO’s if you happen to be contracted below their carriers will offer you a charge-by-the-lead instead of the mailing campaign. The costs for these differ from $35 to $45 per lead with a minimal order of 25 leads per week. Prior to you lock your self into any contracts with an IMO’s carriers ask to see an instance of the lead that will be mailed to a client. If the lead does not clearly convey the message “this is about Life Insurance” never waste your time or income.

Preset appointments and telemarketed leads are the new sort of lead provided to life insurance agents. IMO’s and appointment setting firms are popping up all over the location with the very same old adage of “ours are the finest.” Preset appointments are obtaining a lot of attention these days since newer agents don’t want to make the calls and set their personal appointments they would rather just go and sell policies.

Excellent idea proper, but really disappointing if you have spent the income on these leads. The purpose why it really is disappointing is since the marketer creating the lead is paid by the lead – meaning – they will say just about anything to get the prospect to agree to see an agent. When the agent shows up, if the individual is really there, most will say “I wasn’t interested but the individual was so insistent that I said fine” or “they stated you would just drop off some information for me to read.” Meanwhile that lead just price you $50 to $75 – just and get a refund… most businesses will just give you a credit toward your next campaign.

Telemarketed leads are the identical for most each and every company. IMO’s will inform you that they make cash when an agent sells a policy and not on the leads. Wrong! They definitely make money on the leads that is why they contract 1000’s of agents providing small to no help in the area beyond some item information.

At the finish of the day when looking for the greatest lead creating company or IMO, ask:

To see the lead that will be presented to a prospect,
What contracts are made available with what carriers,
What sort of support is offered to agents,
How are the leads produced,
If you choose to move on to an additional business can I get a release from your carriers?

This last question is most important as most IMO’s will only supply leads to contracted agents through their carriers. Most IMO’s or Agency’s use the same final cost carriers and you will not be capable to move to another IMO or Agency with out a release or inactivity for about six months with a certain carrier.

134 Responses to “Finally, How To Find The Best Life Insurance Leads”

  1. Zita March 12, 2013 at 4:51 pm #

    I’m looking for a way the Government was impacted by media and a website talking about it.

  2. Jason March 19, 2013 at 12:57 pm #

    I’m 16 years old, and I’ve suffered from constipation my entire life. And I just can’t take it any more. What’s become routine for me is giving myself three enemas at the same time, having that bowel movement on Saturday, and then not being able to go again until the next series of enemas the next Saturday. By Friday I’m in so much pain I feel as if I’ve been shot in the stomach. I continue to lose weight, because I’m always too nauseous to eat. I have been to every doctor that’s listed in the damn phone book, gone as far as going outside my insurance network, to see specialists in NYC, and NO ONE has been able to do anything. I really fear that a colostomy bag is in order. I have had every test imaginable done, taken every medication, tried every diet, every exercise regimen, every regimen of biofeedback, been on every supplement you can think of, and seen all the doctors within driving distance. I have no idea what to do, and at this point am so desperate as to contemplate cessation of eating. I just can’t take it any more. I feel like with every meal, with every bite of food, I drive myself further into the suffering, just adding to the pile of misery. I live every day of my life in a nauseous blur, and continue to lose weight at a rate of about 2-3 pounds per week. Nowadays just the sight of food makes me want to vomit. I’m not really expecting to get much out of this, but if there’s anything you can think of to help me, I’d greatly appreciate it.
    No, I do not have any eating disorders.
    I’ve tried stopping the enemas, and without them, I just simply don’t go. Ever. I can take as many laxatives as you can buy, and they don’t work. All they do is cause me the most mind-boggling pain you could imagine. Enemas are the only thing that get results. And leaving it alone is not the answer.

  3. Kareen March 20, 2013 at 2:50 am #

    I am 24, have a 21 month old..and recently been talking to my husband and thinking of having another one. My daugther was unplanned..finally figured out the insurance end and how much it’ll cost..wonder how long it’ll actually take (yes, I knowEVERYONE is different..but I’m open to hear stories:) and I don’t understand all that ovulation stuff and knowing when you ovulate. Nice answers only please and no thumbs-ing down answers that are honestly trying to be helpful!

  4. Walton March 20, 2013 at 1:19 pm #

    I am 11 weeks pregnant, and the morning sickness is way worse than anyone told me it would be. The nausea is constant. The only time I don’t notice it is when I’m sleeping. I can hold food down if I lay still and rest (and sometimes that’s a challenge), but once I’m up and moving, it’s all I can do to keep from vomiting. My doctor told me that that I only need to go to the hospital if I’m not keeping down fluids, and I have been able to do that, although I’m probably not getting enough of them. I’m having trouble eating properly because I can’t eat 8-10 small meals/day at work, and most days I can’t even get to the grocery store to buy what I need.

    I just started a new job at the end of October. I found out that I was pregnant two days after I started (very unexpected), and about two weeks in, the morning sickness started so I was forced to tell my employer. At first, I was dealing with it and managing with crackers and sips of Sprite here and there, but that stopped working. Everything I tried stopped working. It soon began to affect my ability to concentrate and I’ve had to call off several days now for not holding my food down.

    My boss has been fairly understanding so far although she makes meaningless suggestions that wouldn’t help anyone (leading me to believe that she has no idea what this is like). The job is fairly easy, and most of what I do can be done from home, however she feels that I need to be there so people (i.e. clients) can get to know me. (I work for a Children’s Behavioral Health/Day Care agency and my job is to basically be there in case any parents need anything. I’ve probably had about four total clients come in in my month and a half there.) As I said, she has been understanding up until now. She has been frustrated with me working from home or coming in late and brought up in passing the possibility of me taking short-term disability. My husband is also pushing me to look into this option because my constant struggle to get ready for work in the mornings only to have to call in is driving him crazy. I should add that maternity leave is treated as short-term disability by my employer. My problem is, I don’t think a doctor will sign off on it, because I am able to make it to work sometimes, I’m holding down fluids, and I’m not starving to death. I don’t feel it is fair of me to continue trying to work there when I cannot properly learn the job, but I will lose my health insurance (crappy as it may be) or have to pay the entire premium out of pocket which will put a horrible strain on my husband’s minimum wage income. I don’t think I will qualify for Medicaid because I own property that I inherited when my mother passed away, and I still have a small bit of the life insurance money in a savings account.

    Today, (I had to miss for puking uncontrollably again) my boss left me a voice mail with a harsh tone saying that I needed to call my doctor because they could tell me if I need to go in and see them. I think she was suggesting I get a doctor’s note for the morning sickness, but she didn’t say that. She has hinted around that I should probably take medication for the sickness. I did call the DR and she called in a Zofran prescription, but I am afraid to take it even though they continue to tell me that it is safe.

    I should also add that I basically make pennies at this full-time, degree-requiring job (24500/yr minus 150/month for health insurance plus whatever they take in taxes). My husband and I are discussing moving to a less rural area that will allow us to make more money and possibly me to work from home (because day care is insanely expensive). I tried to warn my boss that we may be moving in light of the pregnancy and her response was, “You don’t want to move. It’s great here.”

    Finally, my question is, would it be best for me to A) try to be fair to my employer and quit and begin looking at work from home options now, take insurance through COBRA, and just cut as much in expenses as possible in the meantime? B) Try to take the short-term disability option? or C) Take the Zofran (even though I am not comfortable with it) and hope it helps?

    Sorry this was so long!

  5. Cole March 20, 2013 at 3:49 pm #

    When my employer offered insurance we had many different companies to choose from. I finally picked one, but it was pretty much at random because they all seemed to be offering the same thing. I can certainly understand why you would want to have a choice of doctors; but a choice of insurance companies? Insurance is a pretty uncreative field. I mean what can one company offer that another can’t? Is it the competition? It seems to me that competition among doctors is enough to keep free market health care alive.

  6. Daniel March 21, 2013 at 2:12 am #

    i was thinking of taking a 9 month program and do yhey pay good money

  7. Kermit March 21, 2013 at 6:12 am #

    See the austerity cut backs in social services in Europe. They’re hitting health care affecting the droves of people who are protesting in the streets of Spain while big labor unions demand more retirement benefits and raises. We can’t fund everything. Shouldn’t we made planned cuts of government redundancy, waste and elective programs instead of health care? Shouldn’t we leave a private sector for health care and encourage charitable health organizations?

  8. Georgia March 21, 2013 at 9:09 am #

    In all the debating between Socialism (or Unionism) and pure Capitalism, isn’t the optimal somewhere in the middle? Aren’t both extremes detrimental to any social fabric?

    Wouldn’t the best economy (as shown by some real-world examples) be somewhere in the middle?

  9. Kellee March 21, 2013 at 3:03 pm #

    I am working many years in a government agency with a trusthworthy task, good friends and very supportive superiors. also the clients of that agency rely on me as I know and heard. challenge is good and output is always done. BUT IT HAS BEEN THAT WAY FOR MANY YEARS. and hardly got a promotion for all those years. Even myr superiors are unable to resolve the matter for they know IT IS THE SYSTEM THAT IS FLAWED. and basically no longer satisfied and stressed out. the pay for the workload is not compensating. I know it will be like this for the rest of your life.

    now I got an offer double the pay, with a well renowned US company, for sure this will be a new world, more hard work, shiftings are constant and I will undergoe training. this is really out of my comfort zone. but i want to have new experiences. the only set back, for sure i will start from scratch , and PROJECT BASED. no job security.

    i’m not older than 30 & single. need your opinion.
    current – technical assistant of a office head.

    offered – is a TSR (technical support)
    what only keeps me going on my current job are my supportive friend and mentors. personally, i am no longer happy. i am also stressed out

  10. Wilber March 21, 2013 at 3:03 pm #

    I’m in Atlanta and it has the largest inventory in the country. Some houses go unsold for months, so I was just wondering how these people who rehab and sell for profit make any money these days. Are there some other ways to make money in real estate in a slow market? thanks

  11. Huey March 21, 2013 at 6:12 pm #

    These people are smart. Get here, fight to be legal. Act like your being discriminated against (because they know they got the government by the balls) in the meantime know once you are legal, they are all going to ban together and blackmail corporate america to higher wages or walk off the job like they are doing now. Then these companies will bring in new technology, these same people will be out of work, and now go on WELFARE!!!!!!!!!!!!! Wake up America – these are desperate Mexicans we are talking about with a hidden agenda – to take over the USA – and from what I can see you are letting them. The next thing will be, if you can’t speak Spanish, you are not qualified for the job. Only in America you say!!!!!!!!!!!

  12. Reid March 22, 2013 at 4:59 am #

    I’m 5’1 and around 195 pounds, 95 pounds grossly overweight. Currently I’m looking into a diet program called Herbal Life. Is it a good program, for those who’ve done it? Or do you have other alternatives? I’ve heard exercise is a great way. but currently it’s hard for me to run a singe lap on a track, from my weight and simply being one of those people who pass out if they’re over heated; or do you know an exercise that I can do to help?

  13. Luke March 22, 2013 at 5:18 am #

    As an Overstay

    Could they live a good life?
    Would they get caught?
    Would they blend in to society?

    and finally could they later apply for Permanent residence.

    Ive just seen the immigration requirements, the forms, paperwork and time it takes to become a permanent resident.
    It seems a very daunting task I could imagine many people turning to the illegal alternative.

  14. Garnet March 22, 2013 at 9:51 am #

    I just started working in Life Insurance and retirement plans and want to know if anyone can give me some good advice on how to be successful. Thanks

  15. Cherise March 22, 2013 at 3:43 pm #

    from that of another country? What would a fair health care system look like? What are some of the alternatives you suggest.

  16. Arlyne March 22, 2013 at 11:16 pm #

    I have been offered a job selling mortgage protection insurance. All sales leads are pre-generated and there is no “cold calling.”
    Of course, like any sales job, the company has assured me that I can earn a six-figure income within the first year; but I don’t know what to believe.
    Anybody know anything about this industry?
    Is this a waste of time?

  17. Jimmy March 23, 2013 at 1:54 am #

    i am wondering if shelters have dog insurace. what i mean by this is if they gave the dogs all their shots, gave them medication and things like that. also, if i adopt a dog from a shelter, should i take him to the vet immediately or did the ppl at the shelter already do it?

    one last thing, what monthly meds do dogs like chihuahuas typically need and how much it costs monthly? thanks in advance!

  18. Lupe March 23, 2013 at 3:58 am #

    I thought you could only be one… But she gets patients, attends surgeries, and is also an administrator or dean of medicine. Is that the same things?

  19. Georgette March 23, 2013 at 6:34 am #

    My husband and I can’t seem to agree on anything financial. We separate everything and are behind because of it. We finally agreed to combine our finances and work together. I have my own personal bank account and we have a joint account. Because of his credit he doesn’t have an account. After agreeing to combine everything, he insists on having access to my personal account. I feel that as long as all our money goes into the joint account I should be able to use my account for personal spending. I don’t feel he should have to check my personal account. I don’t check his wallet! So now that I don’t agree to giving him access to my account, he doesn’t want to combine things like we had agreeed and we are back at square one. Any advice on how to work this out would be great. If we can’t work together we are headed for divorce.

  20. Lewis March 23, 2013 at 6:38 pm #

    Religions are cults – Fancy choice for a username when posting that answer, eh?

  21. Lane March 23, 2013 at 8:07 pm #

    Thanks for sharing.

  22. Cory March 24, 2013 at 7:21 am #

    I am depressed right now. Wife and I have been having problems. Trying to work them out. I insisted for three years that we needed counseling. Decided to get divorce and she finally came around.
    She is really working hard on things now. Problem is me now. I think about freedom a lot now. How long does it take. It took me a long time to decide to get the divorce.. Now i can’t change back. Been trying to work things out since july.

  23. Nick March 24, 2013 at 10:36 am #

    it’s up to me, i have to decide about surgery, it is not necessary, but doctor adviced.
    i am 18. my parent are scared, but i want it.

  24. Goldie March 24, 2013 at 1:11 pm #

    I’m getting used to dating, no matter who he is or how he looks like, that person becomes my partner quickly, and all those guys take advantage of me because of the attachment disorder that I have. It bothers me, doesn’t let me to do my job and….. I need your opinions guys

  25. Ahmad March 24, 2013 at 6:34 pm #

    I myself support it, but I’m writing a paper on the reasons why universal health care would be beneficial and I’ve basically run out of ideas. So this question is directed strictly to those in favor of it: why do you support it?

  26. Travis March 24, 2013 at 7:47 pm #

    I’m doing a paper on Obama’s impact on healthcare. I’m looking for some information from people and their opinions on what he has done right or wrong. Please help!

  27. Stewart March 24, 2013 at 8:36 pm #

    People use black magic to curse people, but when I read 2 Kings 2:23-24 the same thing happened in the name of the lord.

  28. Arnold March 24, 2013 at 9:48 pm #

    I’m making my decision with New York Life and wanted to know if this is a better place than your Ameriprise, Metlife, Prudential or Edward Jones?

  29. Isaac March 24, 2013 at 10:42 pm #

    The “Hell” Christians say we will go to if we don’t go to church is in-fact Earth. It is full of Lies, Death, Evil, Sin, Suffering, Famine and much more bad things. We are here as a test to see if we are worthy of going to Heaven. If we do good in this life we will be able to go to Heaven, if not we just get reincarnated back on Earth until we have earned our way to Heaven with a life of worship and praying and doing good things.

  30. Daphine March 25, 2013 at 12:37 pm #

    The other night I was the victim of a hit and run incident. I was traveling on a highway, and there was another driver who was speeding, and weaving in and out of traffic. The other driver weaved directly in front of another driver directly behind me. Then after the driver got behind me, he rammed the rear bumper of my vehicle with the front bumper of his vehicle. Thereafter, the driver cut into the right lane of the highway, passed me, and took off. This driver did stop, and made no attempt to pull over after striking or ramming the rear bumber of my vehicle.

    I got a description of the vehicle, and a what the driver looked like when he passed me on the right. I had to pursue this driver for several miles down the highway to get his license plate number. This driver kept trying to elude me, traveled at a high rate of speed, and kept weaving in, and out of traffic like he had just robbed a bank. This driver finally got off on an exit of the highway, and luckily there was a big salt truck in front of him which slowed or delayed him. I was able to catch up to him, and get his plate number.

    After I got his license plate number, I called 911, explained what had happened, told the dispatcher a description of the vehicle, the license plate number, where I was, and what direction this driver was going. The 911 dispatcher told me to immediately pull over, stop pursuing the driver, that she cannot do anything about this, and that I have to talk to a police officer to make a report. A police officer was sent out to speak with me, and I met with him about 20 minutes later.

    I told the police officer what had happened, gave him a description of the vehicle, the license plate number, and what the driver looked like. The police officer punched in the plate number into his laptop in his car, and told me that the plate number matched the vehicle description. He also gave me the driver’s name, and where he lives. The police officer stated that there was nothing he could do about the incident because the actual accident occured out of his jurisdiction. He stated that I need to contact the state police to do an investigation of the incident. I decided to just go home, assess the damage to my car, grasp the situation, and to decide if I wanted to call the state police. I got home, and found that the damage was not too bad, and just was some minor scratches, nicks, and scrapes that could be buffed out, or touched up with some paint.

    I did some background research on this driver that hit me, and found that that he has several gun, and drug convictions. I also found an article online that stated he held a cab driver hostage at gunpoint to elude police years ago, and also that he spent 5+ years in jail. At that point I thought that it would not be too wise to try to get involved with this guy, and I wouldn’t want him to get my information, and come after me.

    I called the state police thereafter, explained the situation, gave them all of the information I had, and they stated that they don’t understand why the first local police officer I spoke to didn’t file a report, and pursued this guy being they had his information. The state police recommended that I just go through my insurance company to pursue this. I then called my insurance company, explained the matter, and they stated that if this guy does not have insurance, I will have to use my $500 deductible to cover the expenses to repair the minor damage sustained to my vehicle.

    I’m seriously just considering to drop the whole matter, and just fix the minor scratches, scrapes, and nicks on my bumper by myself as it appears to be too much hassle, and not worth the effort to go after this guy, or a lost cause. Plus I was not hurt, and I don’t want this guy to come after me. Judging by the background information of this guy by his convictions, how he was driving, he rammed me from behind, and took off, etc. I am lead to believe that this guy is crazy, and not worth the fight to try and go after whether it be through insurance, or the courts.

    What do you think? What would you do if you were in this situation?

  31. Donnell March 25, 2013 at 5:44 pm #

    I am not looking for something like Death Note (great Show). I want something thats down to earth, follows detectives or cops fighting crime or similar. Most of the shows I find have just way to much Fantasy in it. I kind of want something more mature but without the “Magical powers Everywhere” jazz.

    Any suggestions?

  32. Isaias March 26, 2013 at 12:23 am #

    My fiance is only 21 years old and has insulin resistance. His hair has been falling out rapidly over the last month all over his head. Is this related? He only recently discovered he had the insulin problem. Should I get him to a doctor immediately? We don’t have insurance and are both unemployed college students. Please help.

  33. Leonardo March 26, 2013 at 12:30 am #

    I now hate watching the news and reading news papers, even talking to people. I’m starting to think the whole world has gone crazy. There is so many horrible things happening in this world, so much hate and injustice. The whole world is run with greed and hate and everyone is out to rip each other off. Also common sense has died, what is going on?

    Your thoughts people.

  34. Jeff March 26, 2013 at 1:17 am #

    I guess they think that being able to pull out of the “child only” insurance market is fair?

    The insurance companies’ concern that some parents refusing to cover children until they get sick is valid. So, establish an open enrollment period, where you can only sign up for insurance during that time frame.

    Pulling out of the child-only insurance market sure isn’t fair – to the children that is. But, Republicans aren’t screaming about that.

    Does that mean they’re on the side of the insurance companies and not the children?

  35. Liliana March 26, 2013 at 11:09 am #

    They all looked pretty healthy to me…I guess all the meds are not quite so bad as we in the States are lead to believe.

  36. Linwood March 26, 2013 at 3:20 pm #

    I’m desperate to get rid of it now.. I’m 17, and I get a constant amount of whiteheads and other crap on my face every day. I’ve tried a ton of different things, nothing has worked.

    I’ve tried;
    Salicylic acid cleaners (clean and clear/oxy), Benzoyl peroxide (clean and clear), bar soap (levar 2000), apple cider vinegar, just water, all of that.. I also change my pillow case often, wash my face once or twice a day (with the salicylic acid, and benzoyl at night). I try to avoid touching my face as much as possible too.

    I want to go to a dermatologist, but it’s not something that’s covered by insurance and we don’t have $ to go there.
    Can anyone PLEASE recommend anything they think might help?

  37. Erika March 27, 2013 at 4:39 am #

    I was wanting to get some information on what the average salary might be for a marketing rep for a non-standard auto insurance company might be? Any info or personal knowledge on this would be greatly appreciated, Thank you!

  38. Seth March 27, 2013 at 3:55 pm #

    Ever since about 7th grade I have suffered from (what I believe to be) depression. Most of my mother’s side of the family suffer from severe depression, as well as most of my dad’s side. Waking up in the morning I feel hopeless and really struggle to get ready for the day, and throughout most of the day no matter what I do (drink coffee, etc.) I feel lethargic and extremely slowed-down mentally. I have trouble concentrating on tasks in school/work, difficulty falling and staying asleep, and usually my mind races with anxious thoughts of anything from school and my life/future.

    So, as my question states, I would like to finally be at least diagnosed by a medical professional and, if found to have depression/anxiety disorder/something else, be treated. Is there ANY clinic or place where I can see a doctor or psychiatrist without parental consent/knowledge and get help?
    I have a job of my own so i could pay for any medications prescribed and my parents have also provided me with my health insurance card (Blue Cross Blue Shield) if that is needed, although I’d rather not use it if it will lead to them finding out about my visit. I simply do not want them involved because i dont think they will believe I am really suffering, and that it will change the way they view me. I don’t want the stigma of being a “depressed person” from them.

    Thanks to all in advance! I really appreciate the advice.

    P.S., if what I am asking is not feasible, are there any over-the-counter medications for depression which I could use to treat myself that actually WORK? I tried Saint John’s Wort a few months ago and it seemed to do nothing for me.

  39. Beulah March 27, 2013 at 5:26 pm #

    I do and saw a write up in my local paper and I fit most of the things they talked about. Not pretty but this has been working on me for some time.Excessive worry,muscle tension,difficulty making decisions,drinking,or social withdrawal. I have most of those classic symptoms. I admit that I dont get out like I use to and mingle but I just got fed up with the social crowd and hibernate in my own little world.
    I really hate that I have become this way and find it easier to chat or ask q’s to total strangers. What is your input on this as in it would be interesting to know if there are more out there like me.

  40. Tomas March 28, 2013 at 5:48 am #

    How would you evaluate the social welfare programs in most European states? E.g., in England and France, almost all health care is covered from cradle to grave. Do you think such social systems would work in the United States? What do you think of the current talk about health care reform in the United States? Elaborate.

  41. Mollie March 28, 2013 at 11:14 am #

    Being a health professions major myself (and trans) I notice these things. I guess I still have remnants of “gaydar” since I lived in that lesbian lifestyle for so long.

    But anyway, I notice a lot of GLBT people become nurses, laboratory workers, EMT’s, nursing assistants, ect.

    I wonder why that is? Do you think it’s the desire to help people, or to care for people or what?

  42. Russell March 28, 2013 at 4:24 pm #

    hello, i am doing a research project and i need a few strong points on how the government is not doing enough for their veterans. Please reply, thank u for your time=)

  43. Taneka March 28, 2013 at 8:20 pm #

    I only know that Lloyd’s of London is a insurance market that has many syndicates, but are there other similar markets in London? Or others are more like individual companies? I tried to google but couldn’t be sure about it.

    Thanks a lot!
    Any link to websites that has related information is greatly appreciated!

  44. Jefferson March 28, 2013 at 11:08 pm #

    He always smokes in the house and it’s making me sick. Whenever somebody tells him to go outside, he goes “ugh” and ignores us! The only place in the house that doesn’t smell like smoke is the very BACK room. The worst part is, he smokes at his computer desk and the desk is right around the kitchen! HELP! IS there any free thing to help him quit smoking? Thanks!

  45. Darnell March 29, 2013 at 12:47 am #

    I have tried compare the market and all the rest but i still cant find public liability insurance for a market trader. Im based in south wales if that helps… I have tried ringing several insurance companies but to no prevail… I only need it for 2 weeks and i can only find a quote for a whole year and with that company you can only pay for the year in full and upfront… surely that’s not right…

  46. Jadwiga March 29, 2013 at 6:33 am #

    are perfectly fine with a corporate bureaucrat in between them and their doctors.

    Here are some facts:

    1. The Government bureaucrat are bound by the laws set forth by congress and are subject to extreme government oversight. They operate within the law with no exception. They have no motive except to perform their duty.

    2. The Corporate bureaucrat are bound by the laws set forth by supply and demand. They are loosely bound by laws and are routinely found to be breaking them and find themselves in court for litigation. Their main objective is to make profit, even at the expense of you health.

    Corporations = will kill you for profit, not bound by ethics or life. Only in business to turn profit. That is all. Google “rescission in health care”

    Government = will do their job and provide you health care, even if it costs you more.

    Why would you want a corporate bureaucrat instead of a government bureaucrat?

    I guess that logic “competition keeps them honest” also applied to Bernie Madoff, Kenneth Lay, or the thousands of mortgage brokers that made shady real estate deals that caused this great economic crisis.

    The largest source of unethical behavior in business comes from the corporate world, not government. That is a fact. Somehow, that is in direct conflict with your statement that “competition keeps them honest”

    Please answer the question.

    So you are saying that you would be comfortable with a corporate bureaucrat that will rescind your policy at the first opportunity and condemn you to death, as the have done to millions of Americans, as long as you have a choice between the said bureaucrats? I guess everyone is entitled to their own desires.

    It seems silly to me that the choice between two devils is some how better than having no choice between one angel.
    Bill G:

    My wife is a government bureaucrat. She is honest. My health insurance salesman is a corporate bureaucrat, I wouldn’t trust him to wipe mud off my shoes.

    Here is what you do not understand. Once a health insurance company has rescinded your policy, no other health care company will take you. On your insurance application, they ask, “Have you ever had your policy rescinded?” If you answer “yes” you are automatically denied coverage.

    Once you have been rescinded, it is an automatic death sentence. Your whole logic is incorrect.

  47. Nestor March 29, 2013 at 8:09 am #

    What is there to worry about? Is death a legitimate risk, and if so, does it depend where you are during the earthquake? For instance, if you’re driving down the freeway, and a big earthquake hits, do you say your prayers? Or if you’re in a skyscraper in Downtown Los Angeles, are those things built to withstand earthquakes? What will happen up there? What if you’re in your house? Just curious as I’m moving to LA and would like to know just how much of an impact a big earthquake can have on the average person.

  48. Garth March 29, 2013 at 8:31 am #

    having such difficulty understanding what the word ILLEGAL means.
    I also find it strange that so many of them are acting like seers too. The seem to know exactly how every incident between the illegals and the police will go down. Amazing talents, those protesters have.

  49. Dwain March 29, 2013 at 10:29 am #

    So I was thinking to take Genetic Predisposition DNA Health Test to find out whether I’m genetically predisposed towards developing a number of diseases and medical conditions. It would cost about £300.
    But then I wonder if it is the same as to know which disease and med conditions runs in the family, meaning I’m more likely to develop them?? Or would this test showed something far more different than family med cond history.

  50. Thea March 29, 2013 at 12:21 pm #

    I am very depressed and need to lose weight, how do i get started? My boyfriend says I just need to get out there and start running but I am sorry I have never been able to RUN for any length of time or distance. I want to do more than walk.

  51. Thomas March 29, 2013 at 11:46 pm #

    I am a college student, and every W2 job that I have had in the past few years. Always goes down the drain bc they don’t have any hours for me to work. I currently live in the DC Metro area.

    I am considering getting into either the P&C insurance market or the Real Estate. Normally I would just choose P&C, but the Real Estate Market has been slowly bouncing back in the area (10% rise last year).

    So Which market would yall suggest be the better one to get into?

  52. Loura March 30, 2013 at 3:05 am #

    I Agree with Richards that we older citizen do need to reach out as soon as possible.While l have every respect for the opinions of those who oppose the idea ,pls l need you to be aware of the desperation of the situation.I am a senior citizen with physical and mental health problems.l have no car,no supporting relative and l have battled tirelessly to lead as independent a life as possible.l do my own shopping but l am not able to travel to town or public transport alone for any distance and l am not getting the food items that l need.l struggle to get many items l need.Having had a serious eating disorder for many years,been hospitalised and finally beating it.l am now worried not getting the right food for my dietary needs.Many people in my position have to go without.
    With every respect,please give the`have nots`some consideration.Not every elderly person with physical and mental problems is in the hands of social workers.

  53. Shanta March 30, 2013 at 1:49 pm #

    Hello! Here’s the background of my girlfriend and I.
    i am 19 years old, approaching my second semester at college. I have two jobs, one pays minimum wage the other just above it, work about 20 to 25 hours a week during school. 30 to 40 in the summer time. I get decent grades A’s and B’s. I pay for half of the car insurance, i share a gym membership with my girlfriend and pay my own xbox live.
    i have been dating this girl for 3 years, she is Absolutely amazing, she makes my life enjoyable and she loves me for who i am and doesn’t mind my own faults. Recently my girlfriend asked me if i wanted to move together after we graduate from college, i thought this was a fantastic idea. Honestly having thoughts of marrying her but that wont be for a while.
    Here’s The background of my parents:
    My mom lives in Texas so i live with my dad and step mom, both work and they are paying with my college. I honestly do not like hanging out with my family, it feels awkward and when i do try to talk to them about ANYTHING, 70% of the time it leads to a stupid argument, mainly with my dad. Also when i hangout with them, they often make fun of me saying “oh hey stranger finally decided to hangout with us”. Sometimes they make me feel like im not Intelligent and im not responsible. That i do nothing all day and have no responsibilities. And when i try to point their faults they respond by making me feel less Intelligent and tell me to stop talking back at them. I Do LOVE my parents however, just because i do not get along with my dad doesn’t mean i don’t love him. I feel that you have to respect your parents, even if you don’t agree with their decisions.
    However i have a problem,
    Some nights i spend the night at my girlfriends house, ( yes we had sex (protected Sex) ), and we sleep in the same bed, i love her and i like the feeling of sleeping together and it strengthens the relationship. However my parents do not like the idea of me sleeping with my girlfriend in the same bed. They do know that we have sex, they don’t mind as long as it doesn’t come back to haunt me ( her getting pregnant). I find this hypocritical of them however they are paying for my college and i feel that i to be mature, even though i totally disagree with them.

    However my girl friend believes that my parents are being immature and controlling, and since i am a adult that i am allowed to make my own decisions. i tried telling her that even though i don;t agree with my parents, they are paying for my college and i have to suck it up, however i am a adult and honestly wish they respect my decisions for once.
    Please Help, IS my girlfriend right about my parents or is my girlfriend wrong and should respect my decision.
    i honestly don’t know what to do.
    Heres some additional info about my dad,
    Sometimes he can be a bit over the top,
    If i have a disagreement with my dad he will tell you that you are wrong and try to down play you giving the impression that it is his way or the highway.
    Honestly feel that he has made the majority of disisions for me in my life, Told me that i should be this and that, that i can’t take those classes because it might be to hard me (even though i felt like i could handle it)
    IT is very easy to start a arguement with him, even though that is not your intention.
    When i get a grade that is not a A he pretty much sayings you could do way better and i should study more, even though its could be a 89%.
    Doesn’t really give much positive reinforcement.
    My sister wants to go to central and is leaving this december, my dad told her that he does not like the idea of her leavign and should stay. it took my sister a couple of weeks to convince him that she is going.
    When im gone all day and the dogs havn&
    Havn’t been walked, he will complain and scolds me for not walking them, i could be gone the entire day doing my own thing.

  54. Virgil March 30, 2013 at 3:22 pm #

    Do you think it allows congress to mandate citizens enter a private insurance market?

  55. Beulah March 30, 2013 at 7:56 pm #

    exactly what has he passed ? only serious answers please? It is hard for me to believe he has whenever his record is questionable and he has been running fro president half of that time.
    joan s i would like for someone to actually say not tell me to look it up. sounds like no one really knows.
    tickledblue u never told me anything just answered by trying to avoid question and put off on mccain so the answer is??? guess u dont know either

  56. Mi March 30, 2013 at 9:06 pm #

    My son is 4 years old and on the lower end of the spectrum. I would like to homeschool him for spiritual beliefs and he needs one on one when learning. He knows his abc’s and numbers but can’t write. He can only say one word at this time but signs. He’s very stubborn and won’t follow my lead or direction, he does it all on his time. Please any suggestions would be greatly appreciated!

  57. Cecille March 31, 2013 at 5:29 am #

    America’s saving rate fell into the negative for the first time (meaning not only are most Americans not saving, they are going into debt.) While it’s true many things cost more, the need for saving for education and retirement stays with us. What’s the problem with understanding that heavy debt and no savings will lead people into trouble later on in life? What are people thinking…if at all?
    You can’t answer your own question.
    How can I choose a ‘best answer’–all these answers are absolutely excellent.

  58. Salvador March 31, 2013 at 10:12 am #

    When the fights escalate and never end, you hate each others guts, the other person disgust you and there is just nothing your spouse can do to make you want to even try making it work anymore after you’ve given everything you’ve got. What if this person made your marriage bad for 6 years and you were the one who kept trying to make it work but finally they came around and is trying to be better, but you know in your heart it’s too late. How do you get out clean or get out period.
    P.S. Also your sort of on the broke side

  59. Dusty March 31, 2013 at 11:21 am #

    I am a soon to be college grad that is currently interviewing with Metlife to become a financial service rep in the Chicago land area. Is the life insurance market a strong place to start a career right now? Fill me in on your thoughts. If you could, please tell me if you are in the life insurance business or not. Thanks

  60. Benny March 31, 2013 at 11:45 am #

    for the rights of all americans. Is it time we stood up for our rights and stop telling the rich that they can steal our money through tax cuts? If only the right paid their fair share… all could have health care, affordable housing, internet access, and the quality of life for all would skyrocket.

  61. Filiberto March 31, 2013 at 3:41 pm #

    I have an Idea for a new type of Insurance, but don’t have the resources or the knowledge of how to get it to the people who need it most (everyone) ! Is it possible to license an idea to an insurance co?

  62. Vernia March 31, 2013 at 6:06 pm #

    I’ve lived in Australia and I like their health system, however I also like the private market, so the Australian health system only levy’s a 1.5% medicaid tax on everyone’s paycheck, whereas in the US we get taxed more for Medicaid. Those that don’t have private health care get fined 1% of their income. But there is health care for everyone, and the Private Insurance market is really strong in Australia

  63. Scott April 1, 2013 at 5:34 am #

    And more specifically, how does it affect premiums and how health care is distributed, and the way people purchase it?

    I’ve been reading into how the free rider aspect can negatively influence the cost of health insurance and what that cost means to taxpayers. But does the health reform bill change how people choose to purchase insurance, such as what type? Will people purchase more short-term insurance for instance, over long-term insurance simply to fulfill the mandates?

    And how does this change competition between providers? Are providers harmed?

    Websites with information would be helpful. Thank you.

  64. Shirley April 1, 2013 at 3:59 pm #

    Specifically the homeowners market. Its crashing – everything is having to be placed with Citizen’s and thats not what it was designed for. If you’re from FL you know what I’m talking about.

  65. Norbert April 1, 2013 at 5:10 pm #

    I know someone that is bragging on how he has sued a retail store for a high settlement, and here he is 5 years later…making himself get hurt in another retail store and is currently suing again, he claims he wants to make sure he retires early. This person already has been making arrangements to buy a new home. He complains to the insurance company that he aches all over..but laughs behind close doors on how he gives his pills to friends and family. I feel this is disgusting and i wonder if because of people like this is why the insurance market is so high. How could i put in a complaint annomously and to whom?

  66. Salvador April 1, 2013 at 5:19 pm #

    They were never this bad in the past.

    Now they seem to be behaving in very erratic and maybe dangerous ways.

    They have begun to believe crazy things, such as that Wall Street will regulate itself and not bring us all down in flames while they get rich off our meat.

    And that everything was perfectly fine with the private health insurance market where people lose their homes.

    And that if we keep giving tax breaks to the bankster and CEO, that all will be well on Main Street.

    I think they have finally lost it. What went wrong with them? They didn’t use to be this crazy.

  67. Lance April 2, 2013 at 2:55 am #

    I don’t support conservative candidates because they only seem to represent the interests of america’s largest corporations, but didn’t the democrats do more for the (predatory) private insurance market than any republicans ever have?

    I know that isn’t a hot issue anymore but I was just thinking about it.

  68. Norine April 2, 2013 at 1:36 pm #

    I’m a lawyer in Arg. and I want to work here in London – What is the best course (short – no more than 3 months) that could open me the door in the job market?
    I’ve worked in a law firm with Insurance companies as clients for two years. Thanks!

  69. Sharice April 2, 2013 at 1:46 pm #

    Amica, State Farm. Allstate, Geico, Nationwide and Progressive are all bombarding me with commercials all day long. I don’t remember the auto insurance market ever being this competitive. How come?

  70. Khadijah April 3, 2013 at 8:08 am #

    the bills that Republicans submitted as attempts at “Health-Care Reform” actually just reaffirmed the ability of insurance companies to drop patients who are diagnosed with a potentially terminal illness like cancer or heart disease, barred state legislatures from any attempt at imposing any legislation whatsoever on the insurance market, stripped Federal funding contributions from state administered health-care plans for the poor like Healthy New York and made it a felony punishable by up to 3 years in prison for Americans to seek medical treatment in other countries?

  71. Regena April 3, 2013 at 8:38 am #

    I have the idea of new insurance product, which is suitable for US insurance market. It is non-life and individual product. I tried to contact all the insurance companies around the States, but no mayor interest or no reply. Please note and think about it, like about sure success thing. The problem is in the first step.
    Thank you for any relevant comments and thank you for understanding.

  72. Heath April 3, 2013 at 11:33 am #

    Groanafone tagline:
    Ayrton Senna died going too fast, you can’t accuse us of that!

    So, who are ‘us?’

    Us are telecos, banks, insurance, travel, marketing, business services companies and the media.

  73. Vincent April 3, 2013 at 1:20 pm #

    I’ve just started at an accountancy firm and have been designated to the insurance department. I have little or no clue of how the insurance market works and am looking to learn enough to go out on audit with some idea of what people are talking about.

  74. Lora April 3, 2013 at 5:08 pm #

    I would like to contract with some good and well known IMO’s and/or FMO’s, but I can’t find a list of insurance marketing organizations anywhere.

    Does anyone have a list of 5 or so good IMO’s/FMO’s you’d recommend me calling who specialize in contracting Life/Health agents?


  75. Lupe April 4, 2013 at 6:27 am #

    i have googled and searched but i cant seem to get any actual information on it ie: basic requirements, how long the course takes, from start to finish how long will it be before you can go out thre and teach…. also info like the costs assocted with it training, dual controls for the car, insurance, marketing…. can somebody plz help any info you might have would be glady appreciated.
    oscar d get a life you sad lil boy

  76. Dudley April 4, 2013 at 5:02 pm #

    The only reason most “pre-existing” conditions aren’t already covered is because of government regulations that shrink the insurance market to a microscopic size, which leads to fewer options in health insurance and a lot more uninsured people than would exist in a free market.

    The free market has produced a dizzying array of insurance products in areas other than health. (Ironically, array-associated dizziness is not covered by most health plans.) Even insurance companies have “reinsurance” policies to cover catastrophic events occurring on the properties they insure, such as nuclear accidents, earthquakes and Michael Moore dropping in for a visit and breaking the couch.

    If we had a free market in health insurance, it would be inexpensive and easy to buy insurance for “pre-existing” conditions before they exist, for example, insurance on unborn — unconceived — children and health insurance even when you don’t have a job. The vast majority of “pre-existing” conditions that currently exist in a cramped, limited, heavily regulated insurance market would be “covered” conditions under a free market in health insurance.

  77. Taren April 4, 2013 at 5:03 pm #

    This is for my economics homework. The question asks about the health insurance market and the effects of adverse selection (which I understand), but I am confused by the last part: “Develop an economic argument for the fact that relatively healthy people continue to purchase health insurance in the face of adverse selection”

  78. Curtis April 4, 2013 at 9:57 pm #

    “gotcha” grounds, would she feel differently if she had to purchase insurance in the private market instead of having her “government” coverage?

    Michelle likes the idea of Blue Cross dropping California women who had breast cancer, letting them die and wiping them out financially so Blue Cross could turn a better profit.

    But this can’t happen to Michelle because she has that good government insurance and can’t be treated that way.

    She likes it when it happens to some other woman.

    What can be said about a person like her?

  79. Seth April 5, 2013 at 8:34 am #

    I am planning to take a medi claim Policy for my parents (40 to 50 Age Limit)…can you please suggest me the best one available in insurance market & required documnets

  80. Suzette April 6, 2013 at 2:21 am #

    Explain how the presence of asymmetric information in car insurance markets may lead people who are good drivers or even average drivers to choose not to buy car insurance unless the law requires it.

  81. Rosalina April 6, 2013 at 4:55 pm #

    Our home was insured about 3 years ago for 83,857 which is replacement cost. The tax value on the house determined by the county tax collector is currently 66,000 on the house and 14,000 on the lot. On the original policy, that is almost 3 years old the insurance company shows market value as 83,537. Curiously close to the insured replacement value, within $320.00. Since then the insured value has risen to 97,000. The neighborhood is not the same as when we moved in. Alot has changed. If we had a catastrophic loss and chose not to rebuild, what can we expect? Thanks.
    WILL ask a new question with more details and requiring more details. TAKE A LOOK.

  82. Johnnie April 6, 2013 at 11:43 pm #

    Working in the insurance business, I would eventually like to expand my career. I’m just looking to find a list of a areas/jobs within the insurance field that show substainable growth within the next 10 years.

  83. Darrick April 7, 2013 at 5:13 am #

    I am about to obtain insurance quotes via the internet for my house and am being asked for the rebuild value (ie demolish and rebuild). What percentage increase over and above the current sale value would provide adequate cover? Thanks.

  84. Melodi April 7, 2013 at 9:10 am #

    Please… Have a paper due in 8 hours and need information about the general problems with monopolies/oligopolies on the insurance markets (first and reinsurance markets) It needs to be from recognized sources if possible. thank you very much…I am going crazy here!

  85. Adalberto April 7, 2013 at 10:08 am #

    if you break down the bill all major individual pieces are very popular insurance market place 80%
    require to cover everyone 76% requiring businesses to have offer insurance 75% requiring individuals to have insurance 59% preventing from dropping coverage …etc

    but when you bungle it in HC bill support drops?

  86. Mathew April 7, 2013 at 10:42 am #

    Social Security- offsets low wages and the paradox of thrift
    Medicaid/Medicare- created to remedy the failed private health insurance market
    Antitrust Division of the DOJ- resists the monopolistic tendencies of capital
    FDA- created to watch for snake-oil salesmen.
    FDIC- Insures bank deposits from the dangers of runs in a fractional reserve banking system
    Troubled Asset Relief Program (TARP)- created to remedy failed Wall Street financial engineering
    Unemployment Insurance- well, you get the picture…
    Etc, etc, etc.

  87. Mason April 7, 2013 at 4:08 pm #

    Since health insurance isn’t really insurance anymore, that is, a product you buy to protect you from something happening, I don’t see insurance companies choosing to remain in that market. Health “insurance” will soon be something you can buy to pay for an event that has already happened, or in other words, a utility.

    Why would a company want to remain in the health “insurance” market, after all the changes take effect?
    Won’t the new law in fact, ensure that companies that insure will leave the business and all health care will become completely a function of government?

  88. Chester April 7, 2013 at 9:17 pm #

    Think about it. If the government comes in and only pays 60-70% of what private insurers pay, won’t they recoup that loss by charging private insurance more, causing premiums to raise for the rest of America? Eventually leading to the collapse of private insurance and ending in total government control of healthcare.

    Am I right?

  89. Aubrey April 8, 2013 at 12:16 am #

    I am a state farm insurance agent and I am looking to distribute a band-aid dispenser that is imprinted with my agency information along with a flyer. I am having trouble coming up with a phrase incorporating the bandage dispenser with insurance. For example, in the past I have distributed jar openers with the phrase ” Cant seem to get a grip on your insurance…….?” Please help me.

  90. Kanesha April 8, 2013 at 5:21 am #

    I work at an insurance company as a receptionist. We are in need of new auto policies and it is becoming difficult to get new customers that are in need of auto policies. I just need a few suggestions as to what I can do to get new business in our office and share some of these ideas with my boss. I look forward to some helpful answers. Thanks a bunch!

  91. Robbie April 8, 2013 at 5:42 am #

    I need to know what would make a person uninsurable in the private health insurance market?

  92. Pilar April 8, 2013 at 5:57 am #

    The individual mandate (a Republican proposal from the 1990s, BTW) would have added millions of new customers into the private health insurance market, undoubtedly creating thousands of new jobs to manage the policies. One activist judge in Virgina just killed all those jobs and weakened the American economy, so why is the right so happy?

  93. Antione April 8, 2013 at 12:39 pm #

    Things like GDP and size of economy / growth over the last few years and anything on the size of the insurance market would be amazing…

  94. Julieann April 8, 2013 at 1:44 pm #

    I would like to do any courses that would make it easier for me to get a job in the insurance market.I have previously worked and have experience in the industry but in another country and have not been able to work since coming here to the UK 5 years ago because of visa problems. Am now able to work but feel I need to familiarise with recent trends

  95. Jong April 9, 2013 at 9:10 am #

    I am trying to do a quiz for a quiz night at a local school and one of the questions I would like to ask is how many billions of pounds is the United Kingdom vehicle insurance market worth?

  96. Emma April 9, 2013 at 10:42 am #

    Why would Medicaid and Medicare exist if the private health insurance market would properly serve those people?

  97. Danial April 9, 2013 at 8:54 pm #

    1 in 10 people with cancer said they could not obtain health coverage, and six percent said they lost their coverage, because of being diagnosed with the disease.

    It is legal in nine states for insurers to reject applicants who are survivors of domestic violence, citing the history of domestic violence as a pre-existing condition.

    When offering coverage, insurers can exclude whole categories of illnesses related to a pre-existing condition. For example, someone with a pre-existing condition of hay fever could have any respiratory system disease – such as bronchitis or pneumonia – excluded from their future coverage.

    When a person is diagnosed with an expensive condition such as cancer, some insurance companies review his/her initial health status questionnaire. In most states’ individual insurance market, insurance companies can retroactively cancel the entire policy if any condition was missed – even if the medical condition is unrelated, and even if the person was not aware of the condition at the time. Coverage can also be revoked for all members of a family, even if only one family member failed to disclose a medical condition.

    Isn’t that an awesome system?

  98. Vida April 9, 2013 at 11:45 pm #

    Republicans and television adds keep saying that public insurance will out compete private insurance and put it out of business. If public insurance is going to be so terrible, than why will it out compete private insurance in the market place?
    Red Head: Most police forces are controlled by a small set of wealthy individuals in the local community.

  99. Merrill April 10, 2013 at 12:38 pm #

    You’re not free anymore.
    gotta buy health insurance.

    of course, you had to buy health insurance before.
    but now, it’s mandated by the law.
    now, you can go to jail if you don’t buy health insurance.

    For the 1st time in history, consumers are required by law to enter a private insurance market as a condition of being a lawful U.S. resident.

  100. Danial April 10, 2013 at 1:06 pm #

    Medicare and Medicaid are cost centers due to the market failures surrounding health care for the elderly, the infirm, and the poor.
    The for-profit insurers redistribute money to shareholders rather than keeping the money in a single risk pool to cover current health care needs.
    Why have Americans allowed our health insurance market to fail from its own internal contradictions, and then propped-up the for-profit insurers with tax-payer funding of Medicare and Medicaid?
    Isn’t the most logical solution to have everyone in the same insurance pool so our risk will be the lowest cost possible?

  101. Verona April 10, 2013 at 1:08 pm #

    I’m starting out as a life insurance salesman. I wish to use my time efficiently. Therefore, I need help to target the right demographic market and life insurance products for this market.

    For example, I could target executives making over $100,000 per year, and the product is a combination term insurance with some UL. The term part goes to retirement, and the smaller UL part continues until death.

    Any brilliant ideas would be helpful.

  102. Hana April 10, 2013 at 5:39 pm #

    If so, how?
    If not, why did the party with “we should increase competition in the insurance and drug markets” write law requiring about 80% of insurers to leave the business?
    Under PPACA, bureaucrats will hand pick between 200-300 insurance plans from the couple thousand we have now. ONLY those selected will be allowed to keep operating.

  103. Reanna April 10, 2013 at 11:59 pm #

    The private insurance market has been driving up the costs of health insurance and medical care for the last 20 years. In some cases health insurance premiums were rising by as much as 50% per year. Meanwhile, coverage plans were dropping procedures and HMOs were refusing to accept those with preexisting conditions.

    The Affordable Care Act is not the cause of any of this. The independent CBO (which the Republicans praised under Bush) estimates that the Act will save $1.7 trillion over 10 years.

  104. Chet April 11, 2013 at 12:53 am #

    Why doesn’t the government give tax deductions for self-purchased insurance like it does for employer-provided plans?
    Isn’t this what McCain wanted to address?

  105. Elliott April 11, 2013 at 5:24 am #

    and Research Association have reported that insured households with heads of households who are 35 to 44 years old had an average of $95,900 of life insurance coverage. Assuming a normal distribution and a standard deviation of $25,000, what is the probability that a randomly selected household with a head of household in this age group had less than $70,000 in life insurance coverage. Show all calculations.

  106. Stanley April 11, 2013 at 10:02 pm #

    I want to determine an average or range (high to low) of the typical overhead costs (rent, utilities, insurance, clerical, administrative, marketing etc) that a small USA-based manufacturer would factor into the cost of its manufactured goods (in this case manufactured electrical components in a competitive industry). I would like an average overhead factor as a % of the typical manufactured cost of the item. The purpose is to establish the hypothetical average “price point” for a manufactured electrical item, taking into account its cost and the overhead. To the cost + overhead, we would then establish a profit and then compare the result to the market for similar items. If the overhead we actually have is out of sync with the average for similar small industries or is within the range, but too high, we would then know we had to tweak it. The result has to be limited to USA-based companies. Thanks for any input.

  107. Rebecca April 12, 2013 at 5:20 am #

    I heard there were some law changes in the Massachusetts auto insurance market lately? If this is true, can anybody summarize what they mean for the consumer?

  108. Louisa April 12, 2013 at 3:53 pm #

    Many people fill in their insurance details incorrectly, either deliberately or otherwise brokers accept same as do the insurance company collecting the cash, knowing full well that they will not pay out in the event of a major claim. How does the govt look at this ?

  109. Alexandra April 12, 2013 at 4:44 pm #

    is now looking to take over banking and other financial institutions, is bailing out and becoming part of the insurance market, is responsible for the destabilization of the global economy, do you still think a bigger, socialist government is the answer to all our problems?

  110. Huey April 13, 2013 at 12:45 am #

    The panel beaters said there is 2,500 damage, and that the insurance company will most likely write it off and pay me out. It has full comprehensive insurance for market value… So, any idea what that’ll be? Because VS’s can sell anywhere from 3k to 8k depending on their condition. Mine had a gas conversion, and would’ve been worth around 5.. But is that what I’ll get?

  111. Dudley April 13, 2013 at 8:54 pm #

    Im a licensed insurance agent and want to expand my lines of business. Being the animal lover that I am, I want to provide health insurance to pet owners.

  112. Jeramy April 14, 2013 at 12:55 pm #

    I am interested in renting a stall at my local summer fayre, but they say we need public liability insurance, however I dont want to pay a yearly fee for a one off day on a stall, does anyone know where I can purchase good, cheap insurance for one day? Thanks
    I live in Manchester, UK

  113. Bryon April 14, 2013 at 2:15 pm #

    I had tire tread fly into my car on the highway. Tore the bumper and smashed the condenser. The insurance company has after market parts on the estimate, but I want to sell this car someday and want OEM. I’m pretty sure I am out of luck, but just wanted to make sure as this is my first time dealing with an incident. Thanks.
    Haha, yes, I know what after market is. What I didn’t know was insurance policy and effect to the value of the vehicle. Great answers so far. Thanks for all your help.

  114. Jeff April 15, 2013 at 1:00 am #

    We are thinking about starting our own insurance company, such as our own Nationwide subdivision. We have capable and experienced underwriters, as well as an experianced sales and management team. What is our first step? How much capitol do we need? Ect….

  115. Abe May 9, 2013 at 8:13 pm #

    Hi! I turn 22 in 13 days. I have been under psychiatric care for a little under 11 years. In the past, I have been prescribed xanax, valium or klonopin for my PTSD, Panic Disorder & Anxiety by doctors that have been treating me for years.
    I moved to Texas 3 years ago, and ever since I have not been able to find a doctor that will prescribe them to me.
    I finally have found a good therapist and doctor here, and she did prescribe me 1 mg of Klonopin. But she said she could only prescribe it to me for ONE month due to insurance?
    What about those who need it? I know they don’t prescribe it often due to those who abuse it. But it’s the only thing I’ve found that helps, and I am aware that it is highly addictive, along with all the other negative facts but I’ve been on every ssri there is and nothing helps with my anxiety BUT these medications. Is there an alternative? They currently have me taking 500 mg of seroquel for sleep, 75 mg of Effexor during the day and this 1 mg of klonopin but only for one month. Help!
    I’m sorry, I made a mistake. I have been under psychiatric care since I was 2 years old, after I was removed from my mothers care. So that’d be around 20 years. My Apologies.

  116. Curtis May 15, 2013 at 12:08 pm #

    I don’t understand how people are saying that only 39 million will go for public insurance when public insurance companies will be competing for the best insurance with the most security and stability at the lowest price. It does not make sense. I would also like to know how Obama plans to do all of the things he claimed he would do in his speech the other night.

  117. Chester May 15, 2013 at 6:24 pm #

    I have gotten myself two DWI’s in the past five years. This is certainly part of the problem but I am not disclosing this information because I need advice on getting treatment, quitting drinking, etc. I have done that and I no longer consume alcohol. My problem is that I have a three year old daughter that absolutely amazes me. I have never been more proud of anybody or anything in my life. I love her so very, very much. This is where I really want to begin now that I have said those two things. Her Mother and I split up two years ago now, honestly it hurt at first but I can say, honestly, I have no lingering sentiment for her. She has physical custody, we both share joint legal, and I have liberal visitation rights. All of this sounds so great as I am writing it, but now, here is where I screw up. I am on probation, which I deserve, but prohibits me from driving indefinitely. This leads to issues when arranging transportation for my daughter. Not to put those around me who do help down, but they treat getting her as an errand that they can rarely find time for. This hurts me immeasurably, I can’t blame anyone but myself, but blame isn’t what I want anyways. I rarely get my daughter, two to three weeks in between visits. The lack of transportation also causes problems with work, getting to probation, and anything related to probation. I am honestly trying my best to turn everything around but I feel that I may have gone too far. All of this now leads to the last tumultuous two years of my life. Constantly struggling to find work that I can honor, the fights with my ex about the distance between my daughter and I. All of it hurts so bad, because I know I could have always done better, been better, and my daughter loves me so much. She is so young she doesn’t see exactly what I am, a failure. The way she smiles and talks to me, she is a miracle, and I am nothing. The last four jobs I have had in the last 2 years I have lost due to either no transportation, or a very severe case of anxiety. I am finally to the point of all of this, the anxiety I have caused myself. The physical manifestation happens so suddenly and violently to me, I have gone to the hospital three times due to the pain in my chest and the rapidity of my pulse and heartbeat. Two of the times I was mostly incoherent for awhile, it feels so violently consuming, like I’m just falling farther and farther into a void. I have no insurance and no money to get treatment, and even if I did, like all my other responsibilities I would just fail to make the appointments anyways. I can expound on any details if anybody thinks they could be relevant to helping me with advice. I’ve read many questions on here about how people say they have hit “rock bottom”. I don’t believe there is a bottom, anymore than a top, either direction is infinite in my mind. I just want some advice people have found helps, mainly with the anxiety, on how I might strengthen my Mental fortitude to cope with what I have, and am doing. I don’t want to feel like I am heading in the wrong direction anymore. I am so fearful, of so many things, and I just don’t remember being this way, I believe I have lost myself, which is fine, I wasn’t that good anyways. I want to find something better, I want to make my daughter as proud of me as i am of her. I don’t want to be afraid of things, I don’t want to breakdown or feel faint at mere thoughts. Any advice would be greatly appreciated.

  118. Sal May 16, 2013 at 2:47 pm #

    I understand people who don’t have insurance or can’t afford it will be able to find a plan, but I’m more so looking to see what industries and companies in particular will benefit from it?

  119. Alton May 21, 2013 at 7:40 pm #

    I’m curious…

    If these guys sue and fail to get the Supreme Court to side with them, then wouldn’t they just be making it easier for President Obama to point out that he acted well within the bounds of the Constitution?

    And if I understand this correctly and they are only suing the one provision that requires that we buy health insurance…then if they get that part overturned, but not the part that requires the health insurance companies to actually pay for our healthcare, then wouldn’t they be making it too hard for the insurance companies to survive?

    The insurance companies finally have to pay like they said they would, but they would not be getting any extra money from a bigger customer pool, and so they aren’t making enough profits to be able to pay and they start collapsing left and right. At the same time, no one else wants to enter into the insurance market because there won’t be enough customers and too much to pay.

    Wouldn’t that mean that eventually these Republican attorneys general would be forcing us to go to a public option? There won’t be any insurance companies left if they win, and then the government would have to step in to save it all.

    Isn’t this lawsuit on the part of these Republicans doing the very path to the public option for everyone they said they were trying to avoid?

  120. Kerrie May 30, 2013 at 4:37 am #

    My brother’s insurance company sent him a letter stating they would not renew his home insurance policy. Turns had too many claims. Can he appeal this? What happens if no one will insure him?

  121. Donn May 30, 2013 at 8:22 am #

    How does insurance work if a car is totalled in accident, but the car is still finance through a dealership? Would the Insurance payoff the balance owing in the car or just payoff what the car worth? What would happen to the remainder of the finance owing if the car is totalled in accident, but the fault is not in you?

    Thank you.

  122. Whitney June 10, 2013 at 11:03 am #

    Im a 46 yr old white male, been with the same woman for 20 yrs, no kids. I/we have never been left a penny in life insurance or inheritance or anything like that. I have saved money my entire life, never squandered money on drugs, no cigarettes, no alcohol, no parties, nothing like that. By my 45th birthday i had saved up over $300k and thought we were on track to retire someday. About 6 months ago i got real sick, i went to the hospital and they ran tests on me, the next day the company i worked for folded and shut down without notice, the day after that i was notified that the company had not been keeping up on their employees health insurance so i had no health insurance at the time my tests started…2 days after that, i was diagnosed with cancer. I spent 3 months getting treated and finally came out with a clean bill of health but it took every dime we had to settle the doctors bills. I/we have no money left in savings, im now searching for work and i feel like i will never be able to get back on track. It took 26 yrs to save that money and its all gone. My wife is working 55 hours a week to pay the bills and im having a hard time finding a job with any kind of decent pay. I feel lost, i feel like i have failed my wife and i have no direction. I don’t know what to do, even if i find work, i will never get that money back and i cant see any way of saving enough to get back on the path to retirement. I thought i was doing everything right, now i just feel like i will be working til the day i die and i will never be able to give my wonderful wife the things she deserves so very much. I really don’t care about me, but i am heartbroken at the fact that i let her down. Im just plain lost, what do i do?
    After some research, we found out the owner of the company left the United States and ended up in Grenada, we cant touch him there, we have no recourse.
    In regards to speaking with the Hospitals Human Resources Dept to get a lower bill. We had already gone through a bill reduction and got it DOWN to $300k from about $665,000.00

  123. Khadijah June 19, 2013 at 10:12 am #

    A recent national survey estimated that 12.6 million non-elderly adults – 36 percent of those who tried to purchase health insurance directly from an insurance company in the individual insurance market – were in fact discriminated against because of a pre-existing condition in the previous three years.Obamacare would keep insurance companies from denying care to Americans with pre-existing conditions, but Republicans keep pushing to repeal this law. So what do Republicans gain by allowing insurance companies to deny care to those 12.6 million Americans?

    Read more:

  124. Mariette June 20, 2013 at 10:12 am #

    I am 20 but I feel like 6 years old girl.All my life I have been dependent on other people,my family and others..I can never make my own decisions,When I have to make decision I always ask for advice from other people.In my whole life I never made any decision,I let others to choose everything in my place.In the past I left college and all the jobs I had,I left them because I was always learned to be dependent by my family,Mum and now I am struggling in life.I was so dependent on family that I was sitting at home and my mum working hard but she never told me everything.She loved that I was dependent on family,I don’t know why. I am scared that one day I will wake up and all my family,mum,sister,brother will die or leave me and I will stay alone.I am youngest in family.What would I do alone in future when I am learned to be dependent????I don’t know how to live life,how to work or how to pay bills.I think I would end up in streets begging for money,because I am dependent on others and I am so insecure.I am sick of this.Where I can get courage to start my own life and how?I am scared because I know I one day I will be alone because no one is in this life forever and how I will survive this life where money is so important and individuality?I am so scared,please somebody give me advice.

  125. Elba July 5, 2013 at 5:31 am #

    Long story short:
    My father’s boss is a terrible man. He has been determined to keep my father from gaining anything in life. Why? Father says it’s something to do with men’s egos. Anyways, after working so many years with that company, my father, a construction superintendent, has always been paid the meager salary of his subordinates, when other superintendents who have worked for the company for less time, have earned far greater. My father isn’t a bad employee. He is actually possibly the best in the company.

    What else has the bad man done? Once upon a time, while working, another worker kicked a nailgun onto his head. This cause some vessels to be broken, leading to an aneurysm seven years later. He always knew something happened, but the only advice my father got was “talk to your boss”, which he did repeatedly over the course of seven years. Even as I was younger, I recall father complaining about what had happened. He would tell the story over and over in detail, and talk about how his boss kept acting like my father never said anything to him, even though he has done so more times than I could count. I even recall him on the phone several times, talking to his boss, telling him about how something needs to be done.

    Finally, my father had the aneurysm. It was in the same spot that my father had complained about all these years. My father’s boss up and down refuses to pay for these bills or reimburse my father. He is driven mad.

    His meager wages have caused us to live very frugal lives, which, though frustrating, can’t be too much complained about, but these sparing wages have caused my father to lose the love of his life (In my opinion, she was a strung-out golddigger, but I dare not say that to him).

    You may be wondering why my father has kept with that company for so long. The answer is because he had children to feed and was terrified of being let go.

    Is there anything that can be done to aid our situation? My father never signed a Worker’s Comp. form himself, but his employer has. Father says that no lawyer would take any sort of case, because the lawyer wouldn’t be able to sue an insurance company. Just the man, who wouldn’t have to pay anything, since he’s not planning on selling his assets anytime soon.

    Please tell me we can do something…

  126. Luciana July 5, 2013 at 10:37 pm #

    everyone loves to hate on the knicks but i bet you cant give me 75 reasons why they wont win the nba championship next season. they are big time contenders and they’re gonna get rondo plus they got melo and shump.

  127. Anthony July 10, 2013 at 11:23 am #

    So I’m studying for the CFA in Dec.

    I started getting recruitment emails for financial planner.

    i immediately launched in to researching the companies and researching what a financial planner does, and finally financial planner vs financial analyst. That final category brought me to tons of forum posts telling people that analysts should NOT get into planning, as it is a cut-throat and somewhat underhanded business, cut-throat on the part of the hiring companies that, hire you, get you to bring in new customers, fire you and then keep the customers. Underhanded in the sense of, people come to you for financial planning and you instead sell them some company insurance or product that is high fees and low returns.

    Furthermore, on one forum, a guy, in my same shoes inquired about getting into planning vs analysis and over 100 posts said to stick with analysis as it is a much “better” job for the following reasons:

    – you don’t deal with the public
    – you deal directly with company officers
    – your pay is limited as a planner vs as an analyst your path can lead you to portfolio manager and CFO who can make millions, vs a few hundred thousand a year.

    That being said, I don’t have a finance degree and can’t even find any junior analyst positions even open here in my city, everything is senior analyst or higher. It’s as if junior analysts keep their jobs forever.

    So the question is, are the points on the forum valid? Should I ignore these FP recruitments and concentrate on getting that analyst job? Or is a FP a gateway into the finance world?

  128. Porfirio August 3, 2013 at 6:13 pm #

    I’m considering going into insurance sales, and my area of greatest knowledge is Group Life, LTD and STD. I have a bit of Dental and Group Travel experience too. I’ve only done underwriting of these products in the past and am a bit cautious about making the transition to sales. I want to work where the reps have good products/pricing, office support, and large territories (I’ve heard of some having reps fight each other over same territories). And of course, pay and training would be valuable. Please advise.
    Note: Group insurance is selling insurance to Companies that provide the coverages to their employees. Sales reps deal with the company owner, HR Department or their designated insurance broker. This type of insurance does not involve cold calling individuals.

  129. Cyril August 4, 2013 at 9:26 am #

    In other words if you go with a “cheaper” car insurance, will you be sorry if you have an accident?

  130. Lucinda August 14, 2013 at 8:16 am #

    I suffer from pretty severe depression, and have for the last 3 years. I steadily have lost everything that I had. I live in a workshop / warehouse unit because it’s cheap, and I thought I could make money building things. But I don’t make any money really. And it doesn’t have a shower.

    I’m about to lose my car, and, I really don’t see any solutions. I have not really been able to keep a job at any point in my life… I’m really just not sure what to do.

    I applied for disability and SSI. I have not seen any help wanted or now hiring signs up anywhere, and applying for jobs has been in the past a huge waste of time and energy.

    There’s a river nearby I go to sometimes, but mostly I just don’t really bathe. I don’t think I smell that bad, and I wash myself with a wash cloth. But besides all the things that comes along with “my condition” (severe social anxiety, lack of energy, behavioral “weirdness”), it makes me self-conscious, and would probably be even worse in terms of having a job…
    How do I get a job… I don’t want to lose my car… I really really want to make money so I can accomplish my goals… But when I have to work with people I get severely / dangerously depressed……

  131. Ricardo August 18, 2013 at 3:07 am #

    Hi there, I’m a 26 yo male living in california. I just came off my family’s kaiser health plan in April and have started paying for cobra to stay on it. As of today it’s $670 a month. I know very little about buying health insurance, but I’m wondering if I can get a better deal with an individual plan. My only worry is being turned down for per-existing conditions. I have an anxiety disorder which requires medication and have had 2 eye surgeries for retinal problems.

    I know very little about the health insurance market other than that insurers having little compassion for the gouge they put on people. Is this a fair price? Or would it be better to look for a different insurer? Also, what is a deductible and how do they work?


  132. Jerrold August 19, 2013 at 10:22 am #

    I’ve already asked this, but I want more opinions! Plus I added a little more. I want to get a dog, it will be my first! I’ve done a lot if reading about dogs, but I can’t choose a breed. Here’s some stuff about my life style… I run two or more times a week (I want him to come with me) I like to bike (its ok if he can’t do that) I have cats (so he shouldn’t want to chase them) He should be easy to train because I don’t have much experience I don’t want to spend too much time grooming him I have a big yard but I’d prefer for him to want to be inside with me I don’t care how big or small he is, as long as he can run with me I’m working part time, so he will be home alone a few hours a day, he needs to be chill about that (if possible) I don’t care if he’s super expensive or super cheap, I just want the perfect companion No allergies here, so that’s not an issue. I don’t need a guard dog, in fact I don’t want a dog like a pitbull. I know that they are good dogs if raised correctly but my insurance would go up of I bought one and that’s not awesome. Once again I want to say that it will be my first dog! So he must be easy to train!! I’m planning on going to a shelter to buy an adult dog, but I want to decide which breeds to look for in the mix. Thanks for your help!

  133. Francis September 14, 2013 at 2:57 pm #

    I went to a different dentist in June 2013. I had a cavity filled on the upper back tooth. In August, it started to hurt in the area so I just took Tylenol. The pain became worse (except goes away with Tylenol) so I finally made an appointment. I figured the filling had come off.

    The filling chipped off! Come to find out, I have an infection in my gum by that tooth only now. The dentist removed the old filling and replaced with a temporary filling. She believed that the pain would go away within a couple days and in a month she’ll put a permanent filling back on. However, if the pain doesn’t go away, I’ll need a root canal! (Only $800 – since I don’t have insurance!!!)

    So, I have several questions if anyone can help!

    -Does putting a temporary filling on remove an infection? Shouldn’t they have given me an antibiotic?

    -How does a filling get chipped off in two months? Did the dentist do a poor job? I’ve had cavities throughout my whole life and never have I had a filling chip or come off!

    -I feel the dentist (who doesn’t work there anymore) is to blame. If the filling was done properly, it wouldn’t have chipped leading to an infection. If I do end up needing a root canal, is it due to the infection? If so, shouldn’t the dentist be responsible to pay for the procedure?

    -If they refuse, is there someone higher I can go for complaint? A dental board?

    -Couldn’t I just remove the tooth instead of having a root canal? It’s in the very back anyways..

    I hope someone can answer my questions or give me advice!

  134. Luann September 16, 2013 at 3:42 am #

    My fiance and I are getting married in December and I’m trying to plan ahead. I currently have insurance through my company, while she and our son, which is biologically hers don’t have any coverage at this time.
    Here is the problem. My company doesn’t extend benefits to same-sex couples, whether married or not. She is a stay-at-home mom and therefore has no income of her own. In the state of Georgia, where we live, she and our son have both been denied low-cost coverage because as a “household” we make too much. That leaves us with the new insurance markets to look at. I’m not eligible to purchase insurance that way because it’s offered to me through my company.
    Is the only way for us all to be insured to purchase two different policies? I’m also looking ahead another year to when we have a second child, this one mine biologically. Would I then need two family insurance plans?

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