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Top 10 Interview Questions – Tell Me About Yourself? by Kary York, Insurance Resourcing


Tell Me About Yourself? Top 10 Interview Questions by Kary York, Insurance Resourcing (Servicing the greater Seattle, Washington and Portland, Oregon – Pacific Northwest Region)

About Insurance Resourcing:
Insurance Resourcing was created to address the changing hiring needs of the insurance industry. We specialize in three areas: permanent contingent and retained search, specialized industry consultants who are available for short term assignments, and referral alliance programs targeted to help you build new revenue streams.

Contact us to discuss hiring needs or career opportunities, call (425) 298-0278 Seattle Area (PST USA) or email via our website.

Kary York, Insurance Resourcing: http://www.insuranceresourcing.com
Web: http://www.InsuranceResourcing.com
Twitter: http://www.twitter.com/iresourcing
LinkedIn: http://www.linkedin.com/company/2575992

Specialties: Insurance industry consulting and recruitment services

An Introduction To Life Insurance For Mortgages

Life insurance for mortgage will pay a person’s mortgage off if they pass away or have a terminal illness.  This insurance provides security (both financial and emotional) for the insured’s family.

If a homeowner is uninsured, their loved ones will be expected to make repayments on the mortgage when they die.  If they are unable to do this, the bank will sell the house and take the profit to cover their financial loss.life insurance for mortgages

The family will then be left to find a way to pay for expenses such as rent, food and power bills.  All while they are grieving from the loss of a loved one.

This is where life insurance for mortgages can be useful.  When the insured passes away, the mortgage will be paid off in full.  If the insured has a regular life insurance policy, his or her family can use the money from that claim for other expenses.  This way the people left behind will have some money to tide them over until they find a more permanent solution.

Getting life insurance for mortgage is relatively simple.  All one needs to do is approach an insurance provider and get a quote.  The quote itself may include additional extras such as redundancy payments, income protection and a waiver of premium payment if the insured is unable to work.

Anybody who has an asset as valuable as a house needs to have the right insurance policies in place.  This is regardless of whether or not they have dependents.  What is the point of working hard and making mortgage repayments if the bank is going to take away the house if the homeowner passes away?  Homeowners who do have mortgage protection insurance can rest easy knowing that their family will be looked after and their hard work was not for nothing.


Finding the Best Life Insurance Companies

best life insurance companiesThere are a lot of big names on the market that a prospective client can select from. You will often be sitting there doing your research confused with which option to go with. This is when you have to write down your list of requirements to find the right fit. The best life insurance companies are those that are able to provide an efficient package at an affordable rate. Anything short of this is not worth your time or money. If you are just looking for ratings then we recommend you check out the list at TermLifeGo.com, or you can take a look at the most important factors to look out for when searching for the best of the best.

Professionalism

There is nothing more important than the level of professionalism that is being displayed by the life insurance companies. IF they are not willing to go the extra mile for you, they are not worth your time.

The representatives should be professional and care about you right from the beginning. If you have a question, they should be ready to answer it properly without going around in circles. This is a great way to see whether they are serious or don’t care about you and what you want.

Flexibility

Always look to go with a life insurance company that is willing to be flexible right from the get go. Flexibility does not just come with the premiums that are being offered, but with the way they are conversing with you.

Are they ready to make adjustments to the package to fit your needs or are they rigid? You have to figure this out right away to find a fit that is perfect.

Customer Service

You should never be overlooking customer service with an insurance company. The best pay a tremendous amount of attention to this part of their business as you could get stuck when making a claim. You want a support team that is flawless and quick.

These are just some of the most important factors to keep in mind when you are searching for the finest option on the market. Yes, you are going to come across a range of companies and these names might be some of the most renowned ‘big boys’ on the market. Yet, you have to remain focused on what you want and what you expect when you go to a particular life insurance company. There is no reason to rush the decision as you will only end up harming yourself and your budget.

 


Things to Do to Secure a No Exam Life Insurance Policy

No exam life insurance policies are made for those who cannot acquire regular life insurance because of health reasons or some other requirements that they cannot fulfill.  If you want to secure a life insurance but you have a medical condition that prevents you from getting approved for a policy, you may still be eligible to secure one in the form of a no exam life insurance.  However, keep in mind that it may require you to pay higher premiums than you would for a typical life insurance policy.

life insurance without a medical examThe first thing to consider is to know your options for buying a no medical exam life insurance policy.  There are many companies that can offer you policies that require you to pay competitive premiums.  Do your research on each selected provider and choose the most reliable one on your list.  Remember not all insurance policies are the same.  Check to see if you are dealing with a legit provider and if they have stellar reputation among past clients on the Better Business Bureau.

Make sure to behave like an insurable individual and quit risk-taking and self-destructive activities.  Insurance providers should see you as healthy and as someone who will be able to continuously pay the premium; otherwise, you will not get the chance to be offered a life insurance policy.

Getting the Best No Medical Exam Policy

Always read the fine print to avoid buying a life insurance policy that is not suitable to your kind of lifestyle.  Reading and understanding the terms and conditions provided is important because a no exam life insurance policy can be quite expensive.

Finally, always get a free quote personally or online prior to buying a life insurance policy.  This is important so you can estimate your periodic premiums as well as meet the insurance providers and discuss everything in person.


How To Determine The Best Life Insurance Companies

When you are trying to select the best life insurance company, there are many things you should keep in mind. When you are looking for life insurance, pricing, coverage and customer service are all very important aspects to consider. You need to keep in mind that you will be doing business with this company for the rest of your life, so it’s important that you are satisfied with all aspects of their service and product. When you are seeking a new life insurance policy, it’s smart to examine all available options. Look every aspect of the available policies and more.

Finding the Best Life Insurance Companies

One thing you should do right at the start of your search is get an idea of the company’s reputation. You can find out a great deal by talking with people you know who may have insurance policies with the company or companies you are considering. Asking around is a great way to find out inside information about the best life insurance companies. Word of mouth is always the best and most reliable information. When you learn about the individual experiences of your friends, relatives, co-workers and neighbors, it will be easy for you to imagine yourself dealing with a particular insurance company.

Once you have talked with some people about the companies you are considering, you should look online to find specific information. Seek out the two or three companies that have interested you the most. Study their websites and talk with their customer service reps by online chat or phone. Your comfort level in these interactions is very important. The person you speak with should be friendly, knowledgeable and eager to help you. He or she should be able to answer your questions with ease. When you find a company that has great products and excellent customer service, you have hit the jackpot. It may take a little extra time to locate your perfect match in life insurance policies, but it’s well worth the effort.


Buying Term Life Insurance

Nobody likes to think about the day when they are no longer able to be here for their family. It is imperative though, that you prepare for that day and one of the greatest preparations is buying term life insurance. Term life insurance is a reliable income source that enables you to pay for funeral expenses, loss of income, college expenses, mortgages, and general life expenses. It’s a great way to ensure that your family will be taken care of in the event that you are no longer able to do so personally. There are many life insurances to choose from that will suit various lifestyles and needs, and with the ability to get instant life insurance quotes online these days, there is no excuse not to have it..

When shopping around for life insurance, it is best to compare life insurance policies between different insurance agencies. Consider the size of your family, daily expenses, and what the future expenses may be. It’s also a wise idea to always factor in emergency expenses just in case an emergency may arise that was not factored in with the everyday living expenses and future planning.

Insurance agencies sometimes offer breaks in prices depending on how much life insurance that is purchased. Price breaks can enable you to buy more insurance but for a better rate. That is a great way to get more for your money. Payment plans are available that can make paying for your life insurance easier by factoring payments into your budget. Payment options are usually rendered on a monthly, quarterly, semiannually, or yearly billing cycle. Sometimes fees are associated with monthly payments and sometimes money can be saved by paying annually.

There are so many life insurance companies offering various types of life insurance policies that most people are able to find some type of coverage. It is still best, if possible, to obtain life insurance at a younger age and while in good health. The benefits to obtaining life insurance by the young and healthy is more affordable and easy to obtain life insurance. The older a person gets and the less healthy an individual is makes it harder to purchase affordable life insurance or even find an agency that will extend life insurance coverage at all.

The best thing to do when purchasing life insurance is to visit different agencies and carefully compare policies. If you have any questions be sure to ask and make sure you clearly understand all aspects of your decision. Make sure to read all of the fine print and know what you are truly purchasing. Once you have obtained life insurance you can sit back and relax knowing that your family is covered.


Why You Should Purchase A Medigap Plan F Policy

Your risks of contracting a serious health conditions significantly increase as you age. Some conditions can affect your physical health while others will affect our mental health. Most senior citizens cannot cover high medical costs, pay for medication or get the surgeries they need. This situation can cause stress and even lead to depression.

A lot of people assume that Medicare will take care of all their medical needs. Medicare actually covers up to 80% of medical expenses. Covering the other 20% can be a real problem if you are not in a good financial situation. If you have a chronic condition that requires you to pay bills on a regular basis, Medicare will not allow you to get the treatment you need. Is there a way to cover the remaining 20%?

Medigap Plan F Policy to Fill the Gaps

Medigap plan F is probably your best option. Medigap plan F is a supplemental insurance policy that covers the portion of the cost not paid by Medicare. You can choose from other different policies depending on how much supplemental coverage you need, but plan F will provide the most coverage. You can of course choose to upgrade your policy if you find that you need more coverage than you originally purchased. Most senior citizens who subscribed to this supplemental policy find that the payouts of a Medigap plan F policy are well worth the monthly premiums.

You can buy a Medigap supplemental policy from almost any insurance provider. You can apply as long as you are over the age of 65.  It is best to request quotes from more than one company so you can compare your options. You could also contact your current Medicare provider to ask about supplemental insurance. Your current insurance provider might offer you a discount since you are already a client. You will feel a lot better once you are sufficiently insured and can get access to the medical care you need.


Buying Term Life Insurance

Nobody likes to think about the day when they are no longer able to be here for their family. It is imperative though, that you prepare for that day and one of the greatest preparations is buying term life insurance. Term life insurance is a reliable income source that enables you to pay for funeral expenses, loss of income, college expenses, mortgages, and general life expenses. It’s a great way to ensure that your family will be taken care of in the event that you are no longer able to do so personally. There are many life insurances to choose from that will suit various lifestyles and needs, and with the ability to get instant life insurance quotes online these days, there is no excuse not to have it..

When shopping around for life insurance, it is best to compare life insurance policies between different insurance agencies. Consider the size of your family, daily expenses, and what the future expenses may be. It’s also a wise idea to always factor in emergency expenses just in case an emergency may arise that was not factored in with the everyday living expenses and future planning.

Insurance agencies sometimes offer breaks in prices depending on how much life insurance that is purchased. Price breaks can enable you to buy more insurance but for a better rate. That is a great way to get more for your money. Payment plans are available that can make paying for your life insurance easier by factoring payments into your budget. Payment options are usually rendered on a monthly, quarterly, semiannually, or yearly billing cycle. Sometimes fees are associated with monthly payments and sometimes money can be saved by paying annually.

There are so many life insurance companies offering various types of life insurance policies that most people are able to find some type of coverage. It is still best, if possible, to obtain life insurance at a younger age and while in good health. The benefits to obtaining life insurance by the young and healthy is more affordable and easy to obtain life insurance. The older a person gets and the less healthy an individual is makes it harder to purchase affordable life insurance or even find an agency that will extend life insurance coverage at all.

The best thing to do when purchasing life insurance is to visit different agencies and carefully compare policies. If you have any questions be sure to ask and make sure you clearly understand all aspects of your decision. Make sure to read all of the fine print and know what you are truly purchasing. Once you have obtained life insurance you can sit back and relax knowing that your family is covered.