Mississippi Valley Sells

Archive for the ‘Mississippi Health Insurance’ Category

The Georgia Department of Insurance health & life insurance producers have broken a new mold. They have led the Southern rebellion, changing from laid back to aggressive insurance reps to be reckoned with. In the last few years, Georgia insurance marketing has leaped ahead of near and far away states. Not that long ago debit agents in Georgia, like most southern states prevailed. These health and life insurance producers sold very small premium insurance policies on their established routes, where weekly or monthly premiums collections would be picked up from their clients. (Sort of like playing the neighborhood numbers game, before the state lotteries knocked them out of competition?). As these debit agents were employees of the insurance company, when they left, so did their unvested renewals. An old route as simply assigned to a new agent trainee joining the company.

Needless to mention, low income potential, high training costs, agent awareness, and modern banking policies have fairly well decreased debit life insurance company presence to becoming a minimal factor nowadays. When I refer to Georgia insurance producers becoming the “mouth of the south,” this reflects on many of these southerners formerly waiting back for the train to come in. Georgia is often a highly underrated state, where misconceptions abound. Georgia residents have an income level slightly below that of the national average. That is typical of all southern states. The noteworthy factor is that the median income of Georgia insurance agent families is $10,000 more than those in Arkansas, and Mississippi. A very positive note effecting Georgia Insurance Agents, Georgia has experienced major population growth. The average state experienced 5.3% population increase between 2000 and 2005. In Georgia, the amount more than doubled the average, becoming a 10.8% increase.

These Georgia insurance agents suddenly had approximately 1,000,000 new potential clients to sell to. Moreover, a lot of these were established families with good incomes moving into the state. In fact, 12.4 % of the households have a $100,000 or higher income. This is not typical of many southern states. This is a great opportunity for Georgia insurance agents to offer annuity and financial products. In addition, as the number of seniors is percentage wise, much lower than most states, health agents should concentrate more on the healthy individual, worksite, and group plans My Georgia advice: Stay OUT of Atlanta.

Georgia is split in two zones, 55% of the licensed agents in the Atlanta Area, Zips 300-303. The other 45% are outside this metropolitan area. On the demand for Georgia agent recruiting, probably four will be for the Atlanta area, 2 for the entire state, and 1 for areas outside Atlanta. That would mean that Atlanta area agents receive 85% of insurance recruiting solicitations. 42% of the mail would be sent to rural agents. In addition, Atlanta agents are bombarded with almost daily solicitations by fax, email, or telemarketing.

Two recruiting tips. One: Atlanta area brokers, and Georgia rural agents, broker almost the same amount of business, with roughly the same number of total insurance carriers. Two: A rural Georgia agent is twice as likely to stay loyal to you, that the Atlanta city slicker. Our database indicates this very distinctly. We examine the frequency a Georgia insurance agent signs with another insurance company. Make your move to reward yourself with a sweet piece of the Georgia pie, rural style. Some Statistics. The state population in 2005 increased almost 11% upward since 2000 to over 9,000,000. The number of agents to thousand residents is a respectable, not overcrowded 3.6 agents. A strong median family income along with a strong percentage of high school graduates illustrates a strong economic base.

What is Safe Auto Insurance Company?

This auto insurance company is based in Ohio and was founded back in 1993. Like most big insurance companies, it started with a few people and has grown to a huge auto insurance company serving over 14 states, including: Arizona, Georgia, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee and Texas. They have a few satellite offices and employ around 1,000 people.

Safe Auto Insurance Company Features

They are well-known for supplying “state minimum” required liability insurance. This is and always has been their specialty. Many people prefer this coverage because they want to pay the minimum rate. Of course, Safe Auto also offers many other types of comprehensive and collision coverage. They cater to all auto insurance needs. Additionally, they have the following features:

They have a Phone Pay Program that allows customers to pay premiums over the phone and they also offer online payments. They offer 24/7 customer service, which is unique in the auto insurance industry. This service is provided 365 days a year as well. They offer three different payment plans.
Safe Auto Insurance Company Benefits

Safe Auto has a unique angle on the car insurance business. Rather than using numerous agencies to sell their insurance, they provide insurance using a “direct-to-consumer” method. Since they cut agents out of the loop, this keeps costs low. They focus most of their advertising on television, radio and print advertising. Chances are that you have seen at least one of their commercials before. Their most recent motto is “We keep you legal for less”.

Additional Considerations

Although Safe Auto is a good auto insurance company, it is important to understand that you should always get multiple quotes from different insurance companies. It is recommended to get at least three quotes and to compare the different policies. You cannot know if you are getting a good deal unless you take this approach. Also, it is a good idea to check the financial strength of your insurance company through the A M Best website.

Pre-existing conditions are not covered by pet insurance companies. Pre-existing conditions are problems or diseases that your pet may have shown symptoms of or been diagnosed with before the effective date of the policy. Most insurance companies will use the date you first noticed the problem, not necessarily the day it was diagnosed by a veterinarian. Some companies may cover a problem that occurred previously if it was “cured” and not considered a chronic condition (no symptoms or treatment within the last 6 months).

From reading reviews that policyholders write on the various companies, this is a reason that is frequently given when a claim is rejected. How can you avoid this? Buy a policy when you first acquire a puppy or kitten and/or before your pet manifests any signs of illness. There will be a waiting period for illnesses – usually 2 weeks or 1 month (varies depending on the company) and 24 to 72 hours for accidents. If your pet gets sick or injured before you purchase a policy or during this waiting period, it is unlikely the condition will be covered. Clients suddenly become interested in pet health insurance when they are in my office and their pet has a serious problem. Unfortunately, that’s not the best time to inquire about it.

During the application process, you will usually have to answer several questions about any previous problems your pet may have had. You should be completely honest when answering these questions. Knowingly misleading the insurance company about your pet’s previous problems is called fraud and is grounds for the policy to be cancelled. Depending on your answers to these questions, the insurance company may issue a policy on your pet with no exclusions or they may request further information from you and/or request your pet’s past 12 – 24 months medical records. Even if you aren’t required to send in medical records during the application process, you will likely be required to send in medical records when you file the first claim. If you have forgotten to mention something during the application process, it may become evident when the company reviews the medical record and a condition could be considered pre-existing and excluded from coverage.

Therefore, you should tell the insurance company during the application process that you want to know in writing if there are any conditions that will be excluded from coverage and for how long because they are considered pre-existing. Most of the insurance companies will do this if you make this request, and it is worth asking about so that there aren’t any surprises down the road. The last thing you want to do is pay several months/years of premiums only to find out that a claim is denied because the insurance company considers a condition pre-existing before you bought the policy. The goal is transparency on your part to reveal any known-about prior medical problems to the insurance company and transparency from the insurance company to reveal (when the policy is initially written) what, if any, pre-existing medical problems are excluded from coverage. If one or more conditions are excluded from coverage and you elect not to insure your pet, you can usually cancel the policy for a refund of premium as long as you haven’t filed a claim.

If your pet is older when you apply for a policy, the insurance company may request your pet’s medical records to review and/or require a physical exam and/or lab testing to make sure your pet doesn’t have a chronic condition that would preclude coverage for illnesses.