New Year's Resolutions Should Include Comprehensive Insurance Review
Reviewing your insurance policies this month may not be the most glamorous New Year's resolution, but it could save you from financial ruin. Staying up to date on your insurance needs is the easiest way to protect against having an uncovered claim. The experts at Smith-Feike-Minton, Inc. (SFM) recommend completing an annual review of personal and business policies to make certain the policies reflect the insured's lifestyle or business changes."Now is the time to take a comprehensive look at what you have insured and what needs to be added or changed," says SFM President Brian Smith. "As people earn additional income, purchase or remodel a home, have children or start a small business, their insurance needs change and the only way to account for the changes is to review what your current policies cover and don't cover."In addition, Smith explains that many policy holders do not understand the nuances of what is and what is not covered with existing policies because the insurance had been purchased online or a policy holder was simply looking for the cheapest rates.
Because consumers sometimes feel reviewing their insurance needs is overwhelming, Smith recommends a simple solution: set up a free consultation appointment with an objective and trusted insurance expert. And, he outlines three tips to consider when seeking advice. 1. Bring your policies to the meeting. Insurance policies can vary and in order to have a productive review, the advisor should be able to review the specifics of current policies.2.
Know how your account will be handled. Will you work with a team of insurance professionals or just one person? Will you be subject to voice mail systems and service centers or the professionals you chose to work with?3. Know the credentials of the person who is dispensing the advice. Find out how long they have been an agent and if they have obtained an insurance specific designation such as the Certified Insurance Counselor (CIC) or Charter Property and Casualty Underwriter (CPCU). "A red flag to watch out for in the insurance industry is if you have never actually met your insurance agent.
By meeting this person you can begin to build a long term and trusting relationship," says Smith. "It is critical to know that you, your family and your business are secure in the event of an emergency. The best way for an individual to get the right policy is to meet the insurance agent and analyze your needs. A good insurance agent will match you objectively with what works best to protect you against catastrophic loss, and the cheapest insurance policy isn't always the most effective coverage."About Us: Headquartered in Wilmington, Ohio, with offices in the Mason, Chillicothe and Delaware, Smith-Feike-Minton, Inc. combines the objectivity of an independent insurance agency with the personal care and local knowledge to fully serve its customers.
Serving clients in middle market business and personal lines, the team of insurance experts at SFM protects the security of the people who trust them, using innovative ideas to design plans that employ the best practices to the benefit of their clients. The producers at SFM form personalized partnerships, helping clients make educated choices and utilizing expertise gained from decades of experience in the field. More information can be accessed at www.sfm1.com or by calling 937.382.2546..
Action Fund Management Warns Insurance Industry Not to be Fooled by Global Warming Activists
Washington DC (ContentDesk) September 8, 2005 -- Action Fund Management LLC (AFM), an investment advisory firm, warned the property and casualty insurance industry not to be fooled by environmental activist efforts to link natural disasters, such as Hurricane Katrina, with global warming. A new report scheduled to be released on Sep. 8 by Ceres, a coalition of environmental and investor activists, alleges that insurance companies are at financial risk from manmade global warming."Insurance companies aren't financially exposed because of any supposed global warming," said Steve Milloy of AFM. "They're exposed because they've spent decades writing policies for risky coastal development and not charging sufficiently high premiums," added Milloy.Although there has been a dramatic increase in hurricane damage in the U.S., virtually all of this is due to more people building and living in coastal, hurricane-prone areas. Factoring in the increases in population and development, there is no...
Action Fund Management Warns Insurance Industry Not to be Fooled by Global Warming Activists
Life insurance > Action Fund Management Warns Insurance Industry Not to be Fooled by Global Warming Activists
Choose The Right Vet, Your Pet?s Life Rests In His Hands
One of the most crucial and important of decisions a pet-parent makes it that of choosing a vet. It is the vet who will understand your pet when he gets ill and care enough to practice what is now popular as preventive health care.
Never choose a vet because he has a nice smile or a beautiful office or is cheap. Choose a vet who thinks about your pet the same as you do and always keeps the best interest of the pet ahead of all other considerations. The vet must love the breed that your pet is and:
? Be kind and gentle when handling the dog. He must not leave diagnosis or check ups to assistants.
? He must always stay ahead of developments in medicine and update his skills and knowledge constantly.
? The vet must be able to stand by you through thick and thin and proffer timely advice.
? The clinic must be spik and spank and have space for overnight stay with clean kennels, space to run, and staff who love animals.
Life insurance > Choose The Right Vet, Your Pet?s Life Rests In His Hands
How to Reorganize Your Divorce Life for Happiness?
Do your dreams, hopes and ambitions shattered by your own divorce?
Do you feel completely worn out of your desire to go on with your life? Do you feel you have no more purpose or inspiration for life's achievements?You must not let yourself think along these lines. Be positive. Divorce is said to be emotionally painful and recovery from it is terribly hard, but it should not be taken as an end of your world.
Accept it, learn from it and look at it as an opportunity for a new beginning for building a better you.Wake up and control your mind. Don't allow yourself to get overwhelm by your woes.
If you cry and feel sorry for yourself, it will only bog down your ability to think clearly.Don't allow yourself to engage reconciliation fantasies. Let it end and put it to rest. Nothing you do will change it.
Instead, build your life to what you want it to be from this moment onward.One of the first steps you need to do is to analyze your present situation. Grab...
Life insurance > How to Reorganize Your Divorce Life for Happiness?
Life is 'Devine' - Tom Devine To Lead Revamped American Whistleblowers' League On Policy
Crown Point, IN (ContentDesk) March 6, 2006 -- ?In addition to working as Legal Director for The Government Accountability Project (GAP) of Washington, D.C. and Seattle, Washington, acclaimed whistleblower advocate, Tom Devine, will serve as Policy Advisor and Major Initiatives Spokesperson for the recently reorganized and renamed coalition now known as The American Whistleblowers League or AWL.
"AWL embraces the mission GAP has pursued, namely 'to protect the public interest by promoting government and corporate accountability through advancing occupational free speech and ethical conduct, defending whistleblowers, and empowering citizen activists' says Zena D. Crenshaw, Executive Director for AWL.
Ms.
Crenshaw adds that AWL's uniqueness and strength largely relate to it being sponsored by National Judicial Conduct and Disability Law Project, Inc. (NJCDLP), a nonprofit organization for which she is also CEO.
NJCDLP combats abuses of the American legal...
Life insurance > Life is 'Devine' - Tom Devine To Lead Revamped American Whistleblowers' League On Policy
Life insurance sample resume New Year's Resolutions Should Include Comprehensive Insurance Review
Is there spyware and adware on your computer??
The Shocking Facts are that 85% to 90% of computers that are connected to the internet today are infected by some type of adware and spyware!- Source CNN
These malicious software programs Invade your privacy and send personal and private data to third parties and also take up hard drive space and slow down your PC.
Spyware tracks your on line internet browsing and surfing habits. It moniters each location you visit and what you have looked up on that site. Spyware...
Life insurance > Is there spyware and adware on your computer??
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