Everyone hates to go through the process of filing insurance claims, let alone the accident that has gotten them there. Insurance companies urge all consumers to instill a responsible safety level when driving and also in relation to driving conditions. This will prevent Insurance claims as well as insurance claims denied. Whether it be seasonal safety practices or just overall auto safety habits. Lets look a few safety factors that will keep your insurance premium at a consistent low. Winter Safety - Always check weather conditions before heading out the highway. If Blizzard conditions are forecast it may be a day to stay home. - Be sure to keep tires properly pressured and inspect tire condition regularly - Make sure your vehicle is well winterized with all fluid levels full, and brakes maintained for the season begins. - When driving in winter conditions, always leave a safe space between you and the vehicle ahead of you. At least 2 car widths under normal driving condition and 4-6 in snowing and slippery conditions. - Never turn too suddenly and avoid abrupt braking and acceleration during snowing and slippery conditions. - When white-out conditions occur, turn on all lighting for you vehicle, this will help you to be seen by other vehicles. - If unsure of your driving skills during the winter, there are advanced driver training courses which will equip you with the necessary emergency driving skills. - Always remain alert under all conditions so when confronted with an emergency reaction you will have time to brake slowly but efficiency and remain in control of the vehicle. Always be aware of the other driver! Tires to Save lives Keeping your tires in top shape will keep your life in the best shape and Insurance Premium in the lowest shape. - Always have the proper tires for the given season or conditions - Have your tires installed in full sets or at least matching pairs. - Rotate your tires every 10,000 km or whatever is stated in the vehicle drivers manual. - keep the front end steering and suspension properly aligned. - Have your tires balanced each time they are changed over or rotated. - avoid over heating of tires through skidding and unnecessary extreme acceleration. - Always keep tire pressure at proper levels, checking at least once every month. - Check tires periodically for wear and damage, such as lack of tread, exposed steel belt, gouges and splits. - Avoid excessive loading beyond vehicle limits. - Replace tires when required. Following these important safety tips will ensure a safe long driving experience for yourself and your children, and also keep that Insurance Premium consistently low and the Insurance Agency happy. L A Insurance Now wishes to inform its visitors with basic advice for buying insurance, along with an understanding of terms and conditions related to Auto Insurance. For decades, Midland National Life Insurance Company, has stood out as one the premier insurers for General Agents to represent. Due to recent economic financial fluctuations, revisiting Midland National Life in this report is critical. 1906 was when history began for Midland National Life Insurance Company. This company aspires to the values of integrity, openness, respect, and accountability. Unfortunately, in the last few years robust selling of fixed-indexed annuity plans drove rapid net premium growth beyond initial expectations. Attempting to change from a well-known General Agents Insurance Company to a GA and brokerage combination insurer resulted in early great results, then leading to questionable financial stability. Midland National Life Insurance Company was purchased 1n 1958 by C.A. Sammons & Associates of Dallas. Charles Sammons already was the president of Reserve Life and owned eight life insurance companies. Today the two key subsidiaries of the Sammons Financial Group of Chicago are Midland National and NACOLAH, North American Company for Life and Health Insurance. Actually, they are similar companies looking at the annuity brokerage, General Agents, and PPGA's, personal producing general agents. A General Agent often has insurance agents under his contract, while a PPGA tends to work independently. Over them is a District Sales Manager and/or a Regional Sales Manager reporting direct to the company. General Agents are drawn to the insurer because of three main factors. First there was a non pressure General Agent contract that also allowed doing business with other providers. Next is the very strong line of marketable Universal Life and Term insurance policies, along with a diverse portfolio. Third, the commissions paid to GA's and PPGA's were very competitive and favorable. In addition, it was easy to receive a home office response to any question or difficulty that occurred. Midland National Life operates in 49 states, DC, military bases, etc. The life operations are all handled out of Sioux Falls, SD with annuity activities headquartered in W Des Moines, IA. Very unique is that the company ownership is privately held with employee shareholders. The high amount of liquidity holdings might be key assets during these crucial times. Using distinct channels of distribution Midland and North American Company for Life and Health Insurance decided to belong strongly involved in singing up brokers to sell its fixed indexed annuity products. Something now both insurers would like to report that they never were successful at selling. Having considerable risk concentrated in large fixed income investments of a security nature was clearly being in the wrong market at the wrong time. Thanks to strong product diversification and significant liquidity before the financial bomb struck, Midland National Life Insurance Company should pull itself through. The lowering of its ratings does not help induce confidence in the insurer. The shame is that this great General Agent insurance company is taking a huge hit because of an unwise brokerage decision. My prediction is that there is a future ahead for them, at first dim and gradually returning to very bright. Next time they are revisited the situation will definitely be changed. Well published author, Don Yerke likes to concentrate on what you don't know or what no one else dares to print. Tell it like it is. Watch for his new paperback book debuting on Amazon this summer. It is loaded with great insurance marketing, brokerage, sales, and recruiting information.
Are you trying to find options for your workers compensation insurance fund, but seem to find yourself stuck when trying to get it? There are many employees each and every year left without any compensation for an injury that occurred at work leaving them unable to work as their claim was denied and the business they worked for doesn't have the funds to help you out. Now as injuries seem to be occurring more and more within the workplace many business owners are putting away a little extra funding just in case an injury does occur at work and the employee decides to fight for assistance while they are not working. By putting away a fund you not only protect your business from going under, but you are giving the employee the opportunity to recuperate and get back to work without the added stress of having no income coming in. By having an insurance fund you are going to be able to protect your business a little extra then what you would if you have generalized compensation insurance. With not all insurances covering every little injury that occurs in the workforce you could find yourself getting into a sticky situation if you are unable to compensate an employee if they need to take time off of work and are unable to get compensation from the businesses insurance. There are various options you could get into as extra protective measures including having added security along side your compensation insurance. What this means is that you are not only protected by your insurance compensation for employees, but have extra funding for those employees that get denied yet are threatening to take things to court if they are unable to work and get compensated for the time they are off. Businesses have to deal with many worries each and everyday, so having the protection needed to make any business run smoothly and worry free is a good idea. No business should have to worry about going under because an employee gets injured, so having the necessary protection can prevent this from happening. Funding for anything can be hard to get especially if you don't have any extra income coming into your business. A business should have added income each week, or it will quickly go under. Don't let your employees or your business become in the red zone and take advantage of a workers compensation insurance fund. You can not only help protect your business financially, but the lives of the employees working for you. Long gone are the days when you have to get a full physical in order to be approved for a life insurance policy. Many companies are now offering an application process that does not require a medical exam. This is great news for those of us who do not want to go through the hassle of a physical, whether it's due to time constraints or fear of needles. It's also great news for people who are in good health and do not want to wait several weeks for their life insurance policy to complete the underwriting process. What Are the Benefits of This Type of Policy? • No Medical Exam (so there's no blood drawn and no urinalysis) • Issued Quicker than Traditional Life Insurance (sometimes instantly, if you qualify) • Can Be Done In the Privacy of Your Home Are There Any Limitations? The answer to that is yes. Most companies have a maximum amount of $500,000 so you won't be able to get as much coverage as you would with a traditional policy, but if your need is $500,000 or less then this will be OK for you. You also need to be in general good health so if you have any serious pre-existing health conditions, it is best to go the route of a traditional life insurance policy with a physical exam. Some medications for blood pressure and cholesterol are ok, though you won't get the highest health rating. You should be completely honest about all of your health history because a life insurance company will check your medical background and, in some cases, your driving history through various databases. If you've had a DUI or recent speeding tickets, then you will not be approved for a life insurance policy without a medical exam. How Do I Apply? The application from for life insurance policies that require no medical exam are usually just a few steps: 1. You fill out an application online and answer some basic Yes or No health questions. 2. You review the rate for your particular situation (age, height, weight, health history, etc.). 3. You submit your application and your policy can be approved in just a few short minutes. 4. Print out your policy and you're finished. If you are in general good health, and you do not want to wait several weeks for a typical life insurance approval, then this type of policy may be right for you. You can apply right online and no agent will contact you.
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