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Updated: 2014-10-06T20:12:37.594-07:00

 






cahomeinsurance

2011-12-10T22:38:24.045-08:00

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lifeinsurance

2011-12-10T22:35:23.443-08:00

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insurance 1

2011-12-10T22:34:06.826-08:00

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insuranse

2011-12-09T06:24:49.124-08:00

Even if you have the normal insurance covering health and life with some insurance company at your place, it is sensible to have overseas health insurance policy while traveling. Insurance companies offer their custom made travel health plans to people who are on the move more than normal. Having travel health insurance means the normal health coverage insurance in the other country during the time the person is there. If your normal health insurance provides the same coverage in other countries as well then obviously there is no need to acquire an extra travel health insurance policy. Unfortunately, that is not the case always as mostly the insurance health plans are limited to the land where they were purchased and even if the coverage is provided for other countries, the amount that can be reimbursed is not equal to the amount that can be reimbursed in the country of purchase. Although, apparently it looks like an extra expense to purchase the new policy for traveling needs, but the reality is quite different. Travel insurance for health is available at very nominal charges with very reasonable premium. If you compare it with the cost of treatment in other country, then the amount you spend to purchase the policy and the premium is literally nothing more than peanuts. There are few diseases which are specific to a particular area, so there may be some disease which is not covered in your normal insurance policy for health. A traveling health insurance policy can cover such ailments as well. So, you can rule out the cost factor, from reasons of rejections for buying a traveling health policy. If you are out on vacations with your family or arrived in other country for business purpose, a travel insurance for health policy gives you the free mind to enjoy the trip rather than worrying about the quickly vanishing funds spending on doctors’ bills and medical facility charges. It is important to check the reputation of the insurance company before opting for their travel health insurance policy. There are many online forums present where people keep on sharing their views based on their experience with a particular insurance company. This will help you to determine if the company really provides the service efficiently in other country as they claim or not. Not specific to health travel policies, in general the insurance policies come with many technical clauses, so it is important to read the fine prints and understand the writing between the lines to avoid any unwanted surprise at the time of claim or reimbursement. Tags: Travel Health InsurancePosted in Health Insurance | No Comments » Personal Health Insurance: Tips to Finding Affordable Quotes June 21st, 2011 by Insurance Everyone knows the significance of insurance. People understand the value of having insurance cover but the cost part of the insurance is the only factor which deters them from buying insurance. Most of the general public still do not know that one can get cheap personal health insurance. There are ways to get cheap rates from different companies and you can also compare quotes of various insurance companies. First step in this direction is to do an in-depth research and one of the best places to begin would be the web. On the internet, you can find most of the health insurance companies. You can get what information you need and also compare health policy rates that each has to offer. You can compare several quotes and then choose the most appropriate one that fits your requirement. When comparing the quotes of different companies, always remember to make sure that they are extending the same cover, i.e. the benefits are same. Clear all you doubt before buying such as the payment schedule, coverage, etc. Choosing the most affordable health plan requires comparing at least three quotes from different companies. N[...]


















Insurance: Diverse, Dynamic And Rewarding Careers

2011-12-09T06:13:19.402-08:00

The myth that most professionals in the insurance industry spend their days and evenings selling policies is fading into the landscape. While sales will always be a major peg of the industry, college students and graduates are finding that opportunities in insurance are diverse, dynamic and rewarding. Gibriel Cham, manager of underwriting and corporate risk at the Housing Authority Insurance Group in Cheshire, Conn., said the insurance industry is attempting to dispel that myth of sales by introducing students to a wealth of other career paths. Cham works in what is called the "captive" part of the industry in which specific insurance needs are marketed to groups with like interests, such as in public housing where insurance may be difficult to obtain. "The industry has to play a better role in terms of educating the students of other things out there other than sales. Sales is a good way to start if you want to make money. If you are tired of doing sales you can go into underwriting, you can go into accounting, finance, MIS (management information systems) and all of those other things. I think it's a matter of understanding that it's more than just sales to insurance," Cham said. Unlike other fields where students may know immediately and after they may want to work professionally as an attorney, physician, journalist or accountant, for instance, prospective insurance professionals have to look deeper at career opportunities, Cham says. "It's kind of difficult at the beginning because all they saw was someone coming and knocking at your door talking to your parents about selling them homeowners policies or auto insurance. You don't see the actual operation itself," he says. The job of insurance companies is to assume risk. Insurers write policies, thus transferring risks customers face to themselves. Companies provide several classes of insurance – primary property and casualty insurance that protect material goods like cars, homes and business, life insurance to protect people, and health insurance. In a January 2005 survey, the Equity Research Department at Standard & Poor's in New York noted that the property-casualty insurance industry is facing a number of critical challenges in 2005, including a softening of prices for premiums and heightened regulatory risk. However, the independent investment researcher noted that "the overall industry picture continues to look fairly healthy." While the U.S. Department of Labor's Bureau of Labor Statistics (BLS) forecasts slower-than-average employment growth for the industry through 2012, it says opportunities will be favorable for persons with the right qualifications and skills. The industry is a trillion dollar business with more than 2.3 million employees in the United States. Karen Rice, a senior insurance analyst in the risk management department at Marriott International Inc. in Bethesda, Md., a worldwide hospitality company, is a testament to the diversity of insurance careers. Rice worked on the agency side of the business, but found her calling working for a corporation in insurance. She works in international insurance, handling insurance in politically risky global hot spots, and reviews and evaluates insurance contracts for Marriott locations worldwide. Rice says many insurance professionals find their niches in the industry as they grow in their careers. "You don't really decide (on an insurance career) when you decided to go to college and said that you want to be an insurance major. No. You kind of fall into it," Rice says. The BLS' Occupational Outlook says people who are flexible, ambitious and competitive do well in insurance, particularly in the sales area of the industry. Other attributes include interpersonal[...]



Careers in Insurance

2011-12-09T06:11:04.165-08:00

Did you know that some of the hottest jobs in finance aren't on Wall Street at all? These are jobs in insurance. Insurance is a trillion dollar business that employs more than 3 million people in the United States alone. As the population ages and wealth grows, the demand for insurance professionals will increase dramatically. This is great news for you if you're thinking of going in to insurance. Jobs in insurance involve helping individuals and business manage risk to protect themselves from catastrophic losses and to anticipate potential problems. Work in this area is not only personally rewarding, but can be financially rewarding as well. Insurance is a stable yet dynamic industry that provides a wealth of advancement and career opportunities. From administrative support to management programs, from sales to information technology, from accounting to customer service ... anything you want to do in business, you can do in the insurance industry! You will help clients understand their insurance needs, explain their options to them and hopefully help them purchase appropriate insurance policies. You could work in a variety of areas in insurance including as an underwriter, a sales representative, an asset manager, a customer service rep or an actuary. A theme that is constantly emphasized by insurance professionals is that the industry is ultimately about helping people when they need it the most. The stereotype of a slick, sleazy, fast-talking insurance salesman is largely a thing of the past. Major areas of opportunity include auto insurance, life insurance, P&C (property & casualty) insurance, and health insurance. It's worth noting that private health insurance companies remain central after the 2010 passage of health care legislation in the US and subsequent political developments. If anything, the health insurance industry is likely to grow in size due to efforts to achieve universal coverage. Key Resources Skills & Talents Required in the Insurance Industry Job Options in Insurance Salaries Links, Books & Resources for Insurance Careers Facts & Trends About Insurance Insurance Firm Listing Insurance Career Links Opportunities in Insurance Careers Vault Guide to the Top Insurance Employers So you want to be an insurance agent Texas Dept of Insurance on Careers in Insurance Q&A on Insurance Careers from Wetfeet Careers in Insurance and Risk Management - 2009 [...]