• Importance Of Medical Tests Before Buying Medical Insurance

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    December 31, 2021 /  Business and Finance

    A commonplace advertisement from insurance companies is ‘no medical tests required to purchase an insurance policy’. People are attracted to the convenience of no-test policy compared to the one that requires all medical tests. But is it really right to purchase a policy without knowing your health condition?

    Every individual going to buy an insurance policy whether health or life insurance needs to undergo medical tests as prescribed and should be aware of his health condition. This article discusses the importance and reasons for getting an insurance policy after taking medical tests appropriately.

    Premiums are based on health condition
    The premiums of an insurance policy (health or life) are charged based on the individual’s health condition. You need to make a declaration about your health condition in policy application form and the insurer fixes a premium rate on the basis of your discloser.

    For understanding this clearly, lets take an example of two persons. Of them, one has high sugar levels and the other person has normal sugar levels. If both take insurance policy from a company that does not require medical tests then both will be charged same premium. But in reality, the premiums for normal persons should be less than the premiums of others with health issues.

    The policies that require no-medical tests are:

    Low value policies: Policies that do not consider health tests offer cover not more than Rs 5 lakh. So, if you are looking for a higher cover, that serves your life/health insurance needs, then you should take pure protection policy that requires you to undergo medical tests.

    Prone to rejection easily: In most cases, the person who is taking insurance without a medical test may not be aware of his/her health condition. S/He may suffer from an illness and may not know about it till a medical test is conducted. In such a case, an insurer can reject the claim as these policies contain suppressed facts of your health condition with no proper underwriting. So, these kind of unintentional mistakes may simply deprive insurance cover even for those paying huge premiums.

    Cover may be inadequate: If you get policies that require no medical tests, then you will also get the policy that has no appropriate insurance cover. It is like getting insured, but having no adequate insurance protection.

    It is the actual responsibility of insurance company to determine the health condition of an insurance buyer. An insurance company simply cannot deny the claim as it is its responsibility to subject the policyholder to medical tests and then fix the premium.

    Thus, a detailed medical examination that requires blood and urinalysis related tests, blood sugar, ECG, blood count, blood pressure, blood serum tests etc. will benefit you manifold. It provides your health condition report which tells you how fit you are. If you are suffering from any illness, get it cured before it ruins your health. Get complete medical record of your health before buying insurance policy.

  • A Guide To Life Insurance Leads

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    December 26, 2021 /  Business and Finance

    You can generate life insurance leads from a variety of media.

    For example, here is a list of many different media to consider for your life insurance marketing efforts. With a little bit of research, copyrighting skill, and marketing know-how, each media can be used successfully.

    Offline Media:

    Direct Mail Letters, Direct Mail Postcards, Newspapers, Coupon Books, Newsletters, Magazines, Telemarketing, Radio, TV, Texting, Free Publicity.

    Online:

    SEO, PPC, Videos, Podcasting, Social Media.0 (Facebook, Myspace, etc.), Press Releases, Article Marketing, Affiliate Marketing.

    Before writing an ad or hiring a graphic artist to design your advertising, the key to marketing life insurance successfully in any of these media is to study the demographics and then write your marketing piece accordingly.

    For example, a prospect looking through a coupon book is probably looking for ways to save money. A prospect who reads a wealth building magazine might be interested in protecting their family from the loss of their income and assets.

    Or, a person searching for life insurance online may be looking for information on life insurance and not necessarily looking to buy it. This way you can position yourself as an expert by educating them.

    But you can target keywords online, and thus you can also create a separate campaign for individuals looking to buy life insurance.

    All of these suggestions require testing.

    To market life insurance effectively, it takes patience. But it can pay off remarkably well as long as you stay focused and keep testing.

    The other option is to buy life insurance leads from a lead generation company.

    The problem is that there are many life insurance lead companies out there that promise to provide you with fresh, hot, real time leads.

    Do your research on each company before you buy leads from them. Test a batch of leads from your lead generation of choice, and if they work for you buy more.

    Following up with a prospect from your own lead generation efforts is a little bit different than following up with and closing real time life insurance leads. Especially if you are following up on real time shared leads.

    If you decide to buy real time shared leads, be sure you are one of the first to call on these leads because you can have anywhere from 4-8 agents clambering for their attention as well.

    Ask your lead generation company for a follow up plan and script that is working for their agents so that you can use or modify it for your situation.

  • Choose A Comprehensive Jewellers’ Insurance Cover

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    December 23, 2021 /  Business and Finance

    Running a jewellery shop involves a wide range of risks because you deal with expensive jewellery. Therefore, it makes great sense to purchase a comprehensive insurance package to covers risks coming from all possible sources – employees, customers, vendors, damage, theft and others.

    Whether your jewellery business is small or large, you need to protect your expensive jewellery stock. Choose a comprehensive cover that suits your particular trade.

    Things to consider while choosing a cover
    Businesses in general and jewellery shops in particular, involve great measure of risk, given the nature of the goods involved – precious metals like gold, silver, platinum, diamonds and other precious stones – widely used in jewellery. Therefore, it is better to purchase a comprehensive jewellers’ insurance policy that covers all possible risks. It is very important to consider the following.

    Coverage for goods in transit
    This coverage makes sure that your expensive jewellery stock is covered for any risk of accidental damage or theft that may happen in the transit. It covers the risk when it is being transported from one place to another.

    Replacement or cash settlement
    This insurance covers the damage of loss, due to theft, or damage. It covers the cost of replacement of the jewellery. You could also go for actual cash value. This value is fixed according to the price when it was lost.

    Fixtures and fittings
    Fixtures and fittings include your store equipment such as computers, cash registers and other contents, which are very high in value and the loss of these contents may badly affect your business. You therefore, need to consider the risk to the fixtures and fittings and purchase an appropriate insurance cover.

    Coverage against business interruption
    Business interruption coverage protects against the risk of interruption to your business. For example, natural disasters such as flood or storm may damage your business premises, resulting in temporary closure and loss of sales. Business interruption insurance compensates for the losses your business incurs during the interruption period and the damage and repair expenses that you bear.

    While choosing a comprehensive insurance coverage for your jewellery shop, consult professional expert insurance brokers. They will help you choose the right type and amount of coverage to protect against all the potential risks to your business. Some also tailor the insurance policy according to your business requirements.

    Choosing a comprehensive jewellers’ insurance cover, will therefore, protect your business against probable risks of all sorts.

  • Invest In A Life Insurance Policy This Valentine’s Day

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    December 22, 2021 /  Business and Finance

    On the 14 February each year the world celebrates Valentine’s Day. According to Wikipedia, ‘St. Valentine’s Day began as a liturgical celebration of one or more early Christian saints named Valentinus. The day first became associated with romantic love in the circle of Geoffrey Chaucer in the High Middle Ages, when the tradition of courtly love flourished. By the 15th century, it had evolved into an occasion in which lovers expressed their love for each other by presenting flowers, offering confectionery, and sending greeting cards.’ If you are not sure what to buy your spouse or partner this Valentine’s Day, consider giving them the gift of a life insurance policy. Find out why.

    You and your partner or spouse have built a life together. You have dreams for your childrens future, for holidays you would like to take, renovations you would like made to the family home and the retired life you will one day settle into.

    Your family relies on the salaries that you and your partner earn. Your joint income covers everything from the bond on the family home to school and medical fees and daily living expenses. It also has to take care of your savings, your retirement savings and your unpaid debt.

    Stop for a moment and think about how your partner or spouse would cope without your monthly salary. Would he/she have to sell the family home and buy a smaller home in a cheaper neighbourhood? What sort of schools would the children be able to attend? What would happen to your annual family holidays? What sort of medical care would the family be able to afford?

    Enter life insurance. Also known as life cover, a life insurance policy is the protection that your family and spouse or partner need against your death and the loss of your income. In the event of your death the beneficiaries of your life insurance policy will receive a lump sum pay-out. These funds can be used to replace the salary that you earned and cover everything from living expenses to medical aid premiums. Depending on the size of your pay-out, your beneficiaries might even be able to use it to pay off some of your unpaid debt.

    By investing in a life insurance policy you are investing in peace of mind for your partner or spouse. Do not leave your loved ones financially stranded in the event of your death. Do the right thing today and speak to your broker or insurance company about a life insurance policy.

  • How To Succeed In Financial Market Trading

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    December 20, 2021 /  Business and Finance

    Markets often move remarkably quickly and this volatility especially in uncertain times can leave fresh traders with massive losses. There’s of course an admirable alternative in the form of financial fixed odds trading and more especially products like binary bets and binary options.

    Even though they are moderately new to the world of trading they are now becoming recognized as a real and viable alternative to derivative products like spread betting and futures and below are a few key reasons why.

    First of all products for example spread-betting or futures are potentially open to unlimited losses, hence the necessity for stoplosses. The trouble with this is that in volatile, or even fairly moderately moving markets, if your stop is hit your trade ends often with a significant loss. You will not want to put your stop too near to the current market action or too far away which is often a very complicated balance to hit.

    With binary bets / binary options you don’t need to bother with stoplosses at all. Binary trading products care for any volatility as the total you earn or lose is known from the outset of the trade and cannot change. Yes let’s simply repeat that, it doesn’t matter how much the markets move against you as you can only lose the agreed amount.

    Secondly binary bets and binary options need a much smaller account size, often a fraction of a leveraged account like a spread betting or futures account.

    Thirdly these products can be applied to several leading world indices over time periods preferred by the trader. So a binary bet / binary option can be placed for a single day, a week or longer with indices such as the: FTSE 100, Dow Jones, Hang Seng, Australian Index to name just a few. They can similarly be applied to Forex, Commodity and Share markets. This makes them very versatile.

    Finally binary trading products enable you trade per point like spread-betting and futures but without the higher risk as mentioned before.

    If financial fixed odds trading and more especially binary bets and or binary options are something you wish to learn more about then please visit Elmtrader who provide learning and system products covering financial fixed odds products.

  • When To Seek Professional Help With Financial Problems In Canada

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    December 17, 2021 /  Business and Finance

    Seeking professional help due to financial problems is a typical experience that most people have to face at least once in their lives. The most important thing when in financial trouble is to be able to recognize the signs and seek assistance from a professional to help get you out of financial danger. In a situation like this it requires you to take action to seek help in order to help yourself. It is also crucial to recognize that what is dangerous for one person may not be for another and may just be a bad month.

    In Canada there are four financial signs to warn you that you may be in a financially dangerous spot. The first sign is if you have failed to make one or more payments on a mortgage or loan you may be in financial danger. Keep in mind one late payment over a course of a long period is not the same as repetitive failing to make payments. The second sign of financial danger is if your credit cards are constantly at their limit and unable to be used. The third sign is if you are paying bills by taking credit card cash advantages you may be in financial danger. This is a big one because by doing this you are allowing yourself to pay off debt with debt which just repeats the cycle. The fourth sign is if your creditors have passed your account to a collection agency or if you have received notice of legal action being taken. At that point you are experiencing financial danger and it is important that you are aware of this and take action to receive help.

    It is in such a place like the one above where you need to decide to take action and either seek professional help or learn techniques to keep your bank balanced so that you are not missing payments. It is important to recognize that every situation is individualized, and being late on a payment is a lot different than already receiving a legal notice of action against you. Another thing to keep in mind is that sometimes things in life are beyond our control and you may not have a say in the way things happen. These can be things such as losing your job, experiencing a death or divorce.

    Overall, financial problems come in many different shapes and sizes and it is important to be aware of your financial problems and face them square on so that it reduces the risk of having trouble later on.

  • Why Businesses And Enterprises Need Certified Financial Planner

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    December 15, 2021 /  Business and Finance

    Generating revenue is important for an individual or organization. But most of us loose much of our hard earned money simply because we dont have much knowledge about the science of money. Those who are acquainted with law of economics will be able to manage the inflow and outflow of money in a much better way compared to those who dont have much knowledge about it. Certified Financial Planners are those people who are well-acquainted with the laws of economics and are expert in the field of managing funds. Hence, if you are willing to manage your fund in a scientific and lawful way you need to hire these individuals.

    These individuals and professionals who are called as financial planners earn their designation after going through a rigorous training. They usually had to pass a comprehensive two day 10 hour exam. The exam is an extensive and comprehensive one and usually includes topics from subjects like Tax Planning, Financial Planning Process, Tax Planning, Employee Benefits, estate planning, insurance and investment management, employee benefits and retirement planning.

    Before offering services to clients and prospects they usually need to get certified that they are serving clients in this field for at-least three years. They are also need to prove that they are well-experienced in financial counseling skills and financial planning. One of the major needs in the field of business and finance is that your inflow and outflow of money has to be managed and tackled in a Smart way. Means everything should be managed in such a way that it is specific, measurable, attainable, realistic and time driven. And these could be achieved only when you have someone who has scientific knowledge in the field of money.

    These individuals and professionals make extensive and comprehensive plan about how you should invest your money for maximum returns, do you need to invest your money in stock market and which stock should you buy. They also gauge how much you can afford to lose and what you ought to do in extreme cases. This is why people should hire professionals that could offer you advise on how you should invest in a diversified portfolio that is made up of a mix of taxable and tax free plans so that you receive maximum returns even when the market is volatile.

    These people could guide you about how you can get cash in case any emergency arises. They will also guide you how to could you get fixed income after your retirement and all those things. The bottom line is that if you want to invest and manage your cash flow in a scientific and profitable manner Certified Financial Planners could help you in many ways provided you choose the efficient and capable professionals who is acquainted with every ins and outs of financial planning.

  • Money Matters Financial Services Pvt Ltd. has Been Serving Various Corporate Sectors

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    December 8, 2021 /  Business and Finance

    MMFSL has Been Serving Various Corporate Sectors

    Financial stability is very important for the sustained economic growth of any country as it enables various companies and corporate sectors to start new projects and business. Without a strong financial system the development of the country will be effected and growth restrained. Money Matters Financial Services LTD is a leading financial service provider that offers innovative and intelligent solutions to various corporate sectors located worldwide with their comprehensive products platforms. Their expertise in financial matters has set them apart as an industry leader.

    Money Matters Financial Services LTD. encompasses a broad range of financial services that includes advisory, consultancy to various corporate and institutional clients. Their expertise includes debt syndication, financial restructuring and debt placement. Money matters has the capability of perceiving the true potential of the clients business and the means to enhance their value.

    Money Matters Financial offer the corporate sectors a more sophisticated range of financial services. With the exposure to global practices, Indian customers have become more discerning and demanding. So, it is important for the financial service providers to continually improve its competitive strength both domestically and globally. Money Matters specialized knowledge and expertise of the changing Indian market has enabled them to serve various corporate sectors with perfect financial solutions. The company also offers corporate finance advisory that has enabled the business owners to take critical decisions and attain their business goals successfully.

    Money Matters Financial understands that every business has their own needs and that they are different from the other, so they offer their clients customized solutions to suit the business requirements. The company believes in building a strong relationship with the customers by offering unparallel financial services that are innovative and maintain ethical standards. The company enables different corporate sectors to implement the right strategy and attain their goals. Today, corporate managers only have to choose from an array of financial instruments based on their needs. Money Matters exceptional business growth over the past few years has made them one of the leading financial service providers of the country.

    Summary
    – Money Matters Financial Services LTD. is a leading financial service provider of the country offering customized solutions and corporate finance advisory to different sectors. The company has witnessed exceptional growth over the past few years and is proud to have a long list of satisfied clients.

  • Life Insurance for people over 80

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    December 5, 2021 /  Business and Finance

    Can older people still be accepted for a policy? People from 80 – 89, in reasonable good health, should be able to find Life Insurance.

    So why would an older person choose to shop for coverage? Some want to provide cash to pay for a good funeral. Grown children or other heirs may even buy a policy on the life of their parents. Many older parents are happy that their kids take that responsibility.

    In general, premium increase as we age though.

    The good news is that we are living longer, and top life insurance companies are more willing to offer affordable life insurance premiums to older people than ever before.

    If you had a term life insurance policy that has expired, it would be a good idea to either renew the term policy or opt for a whole life policy. For seniors, the choices may be limited, but you can still get adequate coverage.

    Before you make any decisions regarding exchanging your existing life insurance policy for a new one, or taking out any new policy, it would be a good idea to talk to a financial advisor about your options. There are many factors to consider and he/she will be able to guide you. Life insurance is a good thing to have, but you want to make sure that you’re not going to be either over or under insured.

    Now you do not need to shop around if you contact MIntco Financial, a leading company in Life Insurance for Seniors in the U.S.

    Mintco Financial has been helping thousands of seniors getting life insurance with exams or non medical exams – depending on your specific situation.

    Also Seniors up to 89 years old can get Life Insurance but it depends on the State they live.

    The best time to get a Life Insurance for Seniors is NOW.

    ” I got a call from a nice lady one week, and then the following week when we were going to do the application, she passed away. I felt bad, because the family had to cover all the final expenses. It is a burden for families these days. So my advice is do not delay, we never know what will happen the following day.” – says Michael Minter from Minco Financial.

    The process is very easy and do not require too much of the time.

    Call 813-964-7100 and Mintco Financial Advisors will shop for you the best quote among the top carriers.

    Life Insurance for Seniors