Monthly Archives: December 2013

Buzzquotes – Your Source for the Best Insurance Leads on the Web!

Quick update! Buzzquotes is a company we reviewed a few years back. They started off with excellent ratings, and then dropped a bit. But now they are back on the radar. You can find out for yourself by filling out their information request form. They will send you free information on their lead generation programs. We are very impressed with their customer service, and they are excellent at lead generation. Leads they provide: Auto Insurance, Homeowners Insurance, Health Insurance and Life Insurance.

“This lead resulted in a $25,000 annuity sale on the first appointment. My commission on this sale was enough to pay for 100 leads.” – John W.

“It is much easier to leave the home with a check when the potential client is ready to buy. That is what buzzquotes.com gives the agent, a client that is done shopping and ready to buy.” – Ben P.

“Sold another one! Out of about 16 leads so far, I’ve sold 4 that have yielded approximately $6700 in first year commissions. Great return on investment!” – Mark R.

“One appointment close. Good, easy sale.” – Matt R.

“I have been using buzzquotes since last November (2006). I have sold 20 policies for 36 leads since november. If the info on the lead is correct I have a better than 50/50 chance to sell them. Part of my success is quality companies that I represent, part is my ability, and part is the excellent leads from buzzquotes.com. Thank you very much” – Adam F.

“This was my first one million dollar term insurance policy I have sold! Thanks to buzzquotes.” – Lance V.

“Sold $500,000 term life policy. Picking up $45,000 SPDA next month from maturing CD’s, plus three Roth IRA’s. Will write additional $250,000 of life in February after birth of baby, and are starting discussion of voluntary, payroll deducted retirement plan for 200 employees. Great results from one lead.” – Dick L.

“I sold a policy on the husband and wife and got two referrals.” – Bradley W.

“Thanks buzzquotes the leads are great, keep ’em coming!” – Shawn B.

“Sold a pair of Health policies, replacing their old Health plans. Buzzquotes led me to a knowledgeable consumer whom I closed 2 days after getting the e-mail. Way to go!” – Jason C.

“Thanks for this lead. I was able to help this prospect obtain life insurance to fund his business buy-sell agreement. Thanks.” – Lucy C.

You can buy any type of Insurance leads. Auto Insurance, Homeowners Insurance, Health Insurance and Life Insurance. You pay as you go, and they do not have time commitments or sign up fees. That’s always good.

Buzzquotes philosphy of providing leads to no more than 3 industry professionals in any area keeps the competition down, they are not spread to thin, and their leads produce results. So, you should give them a test drive. To get more information from buzzquotes fill out this no obligation form, and they will email you a free info pack.

The only way to know for sure if buzzquotes is the right choice is to give them a shot. Buy a few leads, and if they are not what you wanted in a lead generation company, try another one. We are getting great feedback, and they have been very consistent.

Buying Boat Insurance

Those of you who own boat will want to make sure

you get watercraft coverage. Often times, people

don’t realize that they need this type of coverage

for their boats. There are many boat owners that

don’t even realize this type of insurance is

even available.

You need boat insurance if you own a boat, it’s

that simple. Before you buy boat insurance, here

are some things you simply must know.

– Many states now require that you carry watercraft

liability coverage. What this coverage does, is

protect you against any damage that you cause to

other people or their property with your boat. This

insurance will also cover you for vandalism, theft,

fire, stranding, sinking, and even collision. You

should always call your insurance agent and see

what’s required with your state and what policies

they cover.

– There is also optional coverage that you should

really consider. One type of coverage that you

should strongly consider is Wreckage Removal. In

most areas, the removal of sunken or wrecked

boats is required by law, and the responsibility

of the owner to pay for the removal, which can

easily be very expensive.

Wreckage Removal coverage will pay these costs for

you. You should also consider adding coverage

that will pay for repairs and mechanical failure

as well, along with towing charges – should you

ever need to be towed back to the shore.

– Not all insurance companies cover everyone who

operates the boat. This is something you should

always ask about, find out who is covered when

operating the boat. There are several companies

that will only cover the owner of the boat. Make

sure that the insurance agent defines who is

covered when operating the boat.

– When you shop for boat insurance, call your

current company first, then check with other

companies to see what type of rates they offer as

well. Always remember that insurance agencies

are in competition with each other, and they’ll

work with you to get you to join them. Let one

know about a better rate that you’ve been quoted

and see if they’ll go one better.

Before you shop for boat insurance, think about

the investment you have made with your boat. Boats

are not cheap, replacing or repairing them isn’t

cheap either. Therefore, you should always make

sure you get the coverage you need to protect you

against anything that happens with your boat.

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Buying Your Mortgage Insurance The Right Way

There is always the right way and easy way to do things in life. Then there is the wrong way and the hard way and when it comes to purchasing your mortgage insurance, this is no exception. Sadly, the majority of people who buy mortgage protection do things the wrong way; these people purchase their mortgage insurance alongside their loan from the high street lender or their bank. Now if you were to go about things the right and easy way then you would go shop around and go to an independent specialist for your mortgage insurance.

An independent specialist can in most cases offer you cheaper premiums for your cover while making sure that you understand what the policy entails. And as a standalone provider usually just specialises in payment protection insurance, they can give you the best information and point you in the right direction.

Another factor is that sadly the majority of those who buy their policy from the high street lender do so through ignorance – they simply don’t know they can go independently for the cover.

Mortgage payment protection insurance (MPPI) is purchased in order to protect your monthly mortgage outgoings, as these will be considerable. Many people have stretched their budget to the limit already and if they should find themselves out of work for any period of time due to redundancy, illness or accident, the mortgage would still have to be paid. This could leave many wondering where to get the money from. Of course, if you have mortgage cover then this will kick in after a predefined period of time and allow you to meet the repayments for your mortgage as well as any associated costs such as home insurance.

When it comes to buying your mortgage insurance, make sure you do it the right way. It is essential that you shop around for cover and fully understand what the cover entails. It is the only way to make sure you get the best quote for the premium while getting a quality product.

Buying Your Home Insurance Online Enables You To Get The Best Deal Possible

By going with a specialist broker online you can get the best deal possible when it comes to buying your home insurance. The cost of the insurance can vary greatly as can the actual policies and buying the cover online offers many advantages, one of them being that you are to get an overview of the insurance quotes that are available and are able to get all the information you need regarding the cover.

Going with a specialist broker is by far the most sensible way to choose adequate cover and you have the advantage of being able to compare the whole of the insurance market which means that you know without a doubt that you have the best deal possible. Any type of insurance policy has exclusions and terms and conditions and it is essential you understand them before you take out the cover, by going with an online specialist broker you have the best possible chance of finding answers to any questions you might have regarding the cover and access to the key facts of any policy you are considering.

Almost all good specialist broker websites will have helpful information relating to home insurance, these come by the way of FAQ pages, hints and tips of what to look for when getting the best deal and articles relating to the cover. With their being many different factors to consider when looking for cover it is essential that you do take the time to read this information, otherwise you could be left without enough cover and not having the deal you thought you had.

You should always beware of what seems to be too good to be true insurance, while you can get the cheapest deals for your insurance by going online with the specialist broker rushing into buying cover that is the cheapest could be a huge mistake. The majority of very cheap policies give only the very basic cover and often leave the homeowner under insured, which they do not realize until it comes to making a claim.

It is essential when taking out cover that you have taken your time when it comes to estimating how much cover you need for your home, it can be surprising how much the little items add up to and making an inventory of your possessions before reaching a sum you need to insure for is essential. When taking an inventory people do not realize for example to take into account such items as those in the drawers of the kitchen cupboards, kitchen items and utensils can add up, the clothes in your wardrobe all add up too so when making an inventory remember to take your time and do not leave any stone unturned.

Once you have determined how much home insurance you need then go online with the specialist broker as they are able to find you the best deals on your cover while at the same time giving you all the advice and information needed to make sure the policy you take is the most suitable.

Buying travel insurance online

Travelers purchase travel insurance to cover unexpected health or medical problems. Travel insurance provides coverage if you’re sick or getting injured while traveling. Everyone requires travel insurance policy because life is unforeseen. It also provides coverage if you lost your luggage at the airport.

Travel insurance covers stolen or lost possessions but there may be limits on cash or individual items. If you’re traveling to abroad it pays out for your hospital and medical treatment. It can protect you from all substantial losses that includes canceled trips, lost luggage, medical emergencies or other unexpected situations.

You’ll get extra coverage with specialist travel insurance like winter sports coverage or diving insurance. You should get your travel insurance policy before planning for your travel. Travelers should take some time investigate different insurance companies and types of policies before purchasing. They must check which type of insurance policy provides more coverage.

Having a travel Insurance policy is the best idea to reduce your risks and increase your enjoyment while traveling. Travelers must consider certain factors such as health, weather, season and the way of transportation before purchasing an insurance policy.

Cost of travel insurance policy depends on the type of policy as well as insurance company. If you’re investing more in your trip, you need more protection. Travel insurance offers complete protection for you, your family as well as for your baggage. Several insurance companies offer insurance policies at discounted rates. Sometimes travel agents also offer insurance policy. Some insurance companies/agents provides online help for purchasing travel insurance policy.

Buying the best available Auto Insurance

Auto insurance refers to the insurance that is common for insuring all types of vehicles against all kinds of uncertainties that may cause bodily damage to the vehicle. The sole reason behind insuring the vehicles is that it gives protection against the losses incurred due to accidents. Auto insurance is available for consumers who want to buy such insurance, to protect the life span of their vehicles and also for recovering the amount of the damage that the vehicle survives. People usually buy these insurances for all kind of automobiles like cars, trucks and other kind of vehicles, to avoid any risk. Different kinds of coverages have been started by the insurance companies, to suit the interests and the needs of the insured.

Before buying auto insurance, it is very important that the person goes for a thorough analysis of the proposals offered by different companies for such insurances. Different companies offer different quotes for the insurance of the vehicle, the consumer must look out for the best one, which suits his needs and which proves to be very economical. Many companies also give different discount schemes to attract more and more consumers. The consumer can save a good deal, while purchasing auto insurance by comparing the quotes of different companies and choosing the cheapest one which satisfies all his needs.

Quotes from different companies can be compared on the internet, for buying the best available auto insurance, it provides a wider platform to the consumer, where he can easily access and compare quotes from several companies and choose one among them. The main thing about choosing a quote is that the quote need not necessarily be cheap but the company must be an established one on which the customer zeros on.

The consumer should not only compare the quotes of different companies but also companies, their reputation and their way of service. While comparing, the consumer is more acquainted with the different kind of coverages that are available and choose among them according to the needs.

The major hullabaloo about insuring automobiles is the increasing reckless accidents that are tolling high on the records. These can only be reduced once the certainty of the accidents is reduced. The companies quote their prices for insuring depends of various factors like the age of person to whom the vehicle belongs, the location where the car is bought and supposed to be used in the area and also many other factors. The details regarding the car like its parking place, whether it has a garage because that reduces the risk of being stolen or damaged. Also the mileage of the car is a deciding factor of the quoting the price of insurance.

Buying Low Cost Health Insurance

There are many ways you can save on the cost of your health insurance but first you have to take into account the cover you want and if you are going to be taking individual cover or whether you are taking cover for the whole family.

The cost of health insurance can vary greatly depending on the amount of coverage you need, if you were take all the options available in private health insurance then the premium would be astronomical and something which very few people can afford to do. Fortunately however, you can get good coverage for a decent premium by shopping around and following these tips.

Always check the policy because it might include things which you don’t need, for instance if you are a single man and a policy includes costs for pregnancy then this obviously won’t be needed. While this might seem like common sense, it is surprising how many people don’t look into what is in the policy they are buying. So always look into the different packages that are available.

If you are considering the lowest cost health insurance then look into purchasing a policy that only covers major illnesses. Limited cover is one of the cheapest ways to buy private cover but take into account that minor illnesses and accidents will not be covered.

You can keep the cost of the premium down if you offer to pay a higher excess. All policies will require that you pay something towards the cost of treatment before the insurance will kick in, this can start from something as low as 100. You could offer to share a percentage of the cost which will also bring the premium down that you will have to pay.

While most people take out private insurance to beat the waiting lists that the NHS are noted for, it can help to bring your premium down if you choose to have a waiting period. For instance, you could choose a waiting period of 6 weeks and if during this time you can be seen on the NHS then all well and good, if not then you go privately.

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Both Carmona and Roberto Potter, who served as an editor of the document while then detailed to the surgeon general staff from the Centers for Disease Control and Prevention, said the decision to quash the report was relayed to them through Department of Health and Human Services officials they did not identify. “It was what they call a top drawer veto,” said Potter, now a criminal justice professor at the University of Central Florida. “We missed one of those teaching moments.

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