An insurance shoppers credit rating can make a significant difference in their insurance premium rate. I often ask myself, should this really matter? Goodness, how many families have went into foreclosure due to our struggling economy? I’m not a credit expert but it’s pretty obvious having a foreclosure on record will lower one’s credit rating. Continue Reading »

When shopping for personal insurance coverage, most if not all independent insurance agencies will not charge any fees. You may wonder if Independent Agents can provide the same discounts as you would recieve when working directly with an Insurance Carrier. Continue Reading »

The definition of a peril is, “the cause of a potential loss”.
The definition of a hazrd hazard is, “the condition  which increases the risk or seriousness of a loss”.

There are four types of hazards known to the insurance professional.

Physical hazards are the first which include hazards which arise from structural or operational features of the situation.  For example a slippery floor or a huge tree branch in the middle of the road would be classified as a physical hazard.
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Ask any insurance agent what career they imagined when they were younger and the odds are great they did not have insurance agent on the list. No, it probably was not even on the radar.

Yet, somehow thousands of people choose the insurance career every year. Some choose to sell life insurance or mutual funds and others opt to work in the auto and homeowner insurance arena. Some individuals work for the large national carriers while others go into business for themselves as an independent agent.

The national insurance companies often seek to hire those who are newly graduated from college. Most corporations of all types seek those with a new degree, including the insurance recruiters. But the insurance field is also littered with agents of all ages. It is not a field reserved only for the young. Continue Reading »