Tips for New and Inexperienced Insurance Agents.


When you’re first starting out as a licensed health insurance agent, you’re always on the lookout for suggestions from “the pros” on ideas to make your life easier. Below are seven of the “best of the best” ideas you might consider as you begin your new career in health insurance sales.

Dress professionally

It seems obvious, but these days it seems “common sense” is a little less common. Dressing for success is important. If you look sharp, you’re more likely to be taken seriously. (And it won’t hurt your self-esteem either.)

Relate to your prospect or client

If you’re a millennial, and you’re meeting with millennial prospects or clients, use terms and language they will know and understand. On the other hand, if you’re younger, and you’re meeting with someone older, from another age group – say a baby boomer or Generation Xer born in the 1946 to 1976 period – you may want to be a bit less casual and more respectful. Many in this age group don’t want to hear it’s “not a problem” in response to their questions. Always focus on what you can do to help your prospects and clients, so they feel good about meeting and talking with you and putting their future financial security in your hands.

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Crucial Factors That Should Influence Home Insurance Decisions.


Home insurance is the most quintessential form of insurance that can save you a lot of misery when unfortunate events occur. The quality of coverage and benefits depends on the policy itself and its terms. If you are struggling with choosing the right home insurance policy, insurance consultant Justin Urbas has some valuable tips. Let us have a look at the factors that should influence your policy purchase decision. 

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TOP 10 Tips for CHEAPER Car Insurance 2017


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Home Insurance Coverage Tips - Understand Your Insurance Cover


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What Needs To Be Considered Regarding Vehicle Insurance.


Buying a vehicle and driving it is a great experience for many of us. But the need of protecting it from accidents and other mishaps is also quite vital. Getting insurance might take you a few minutes, but the decision of policy has to be a logical one. Here are some tips from insurance consultant Justin Urbas regarding vehicle insurance. Following this can help you get the best possible coverage and benefits. Have a look :

How To Make The Most Out of Vehicle Insurance 

Do your research - Buying insurance is a matter of conducting research for identifying the best available options. After all, you would obviously want the best possible coverage at good prices. Same goes for vehicle insurance. Look around a bit to understand coverage requirements, deductibles and the terms of the insurance plans. Taking an informed decision ensures that you get what you need, and not something else. 

See what others say - If you have shortlisted a number of policies, seek information about them online. Usually, one can find user reviews about particular policies, as well as ratings. Those who have experienced coverage benefits from policies often leave testimonials online. When you know what others have to say about policies and service providers, the decision becomes easier for you. 

Thoroughly understand coverage - The types of coverage provided by different vehicle insurance providers might vary considerably. The major coverage types include those for bodily injury, property damage, medical related payments, protection for uninsured motorists, and collisions. It is wise to go for a policy that covers all these aspects. 

One time purchase - Purchasing your vehicle insurance with a single payment might also be a way of saving costs. According to research, those who pay for their vehicle insurance with installments usually have to pay more. 

Automatic insurance deductions - Automatic deduction of vehicle insurance premiums is often a wise decision. This is because, many insurance service providers offer discounts for such electronic payments, rather than the conventional billing methods. Many vehicle owners in the USA are now opting for electronic funds transfer (EFT) payments for their vehicle insurance payments. It is also more hassle free and there are less chances of non payments, in case you forget. 

Have a consultation - If you have chosen a vehicle insurance service provider, it is important to sit down with them for reconsidering options. Discuss your driving habits, vehicle type and condition, and other such factors. According to those, insurance companies can recommend the best deals. Your preferences over premiums and deductibles can influence the choice of policy. 

Drive as safe as possible - We all know that's sometimes accidents are not the faults of drivers themselves. So, even if you are driving your car right, someone else’s mistake might cause you injury, car damage and even loss of life. However, apart from being covered by a quality policy it is important to drive as safely as possible at all times. Stay within the speed limits, don’t cut lanes, keep your seat belts on, and check if your airbags are functional.

If you want the best vehicle insurance experience, following the above mentioned tips might be a good idea. For any queries regarding buying and using insurance for your vehicles, one can get in touch with insurance consultants.
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Valuable Car Insurance Tips To Help You Out


Vehicle insurance is one of the most popular and widely availed options for millions of Americans. If your vehicle is not covered and it meets an unfortunate incident, it can really burn a huge hole in your pocket. Buying insurance is not just about choosing any odd policy and splashing the cash. That is where a lot of us go wrong, only to realize the wrong we did later. It is important to choose the right provider, and then select the best plan according to your needs. Skipping vehicle insurance altogether is a downright foolish move, and should be avoided. 

Reputed insurance advisor Justin Urbas works with US based vehicle owners to help them choose the best insurance options. He has some valuable tips that anyone can follow in order to reduce costs, and get the best deals. Let's have a look - 

Tips for Purchasing and Utilizing Car Insurance

Consider your options - It is important to consider various car insurance options before you go ahead and purchase a plan. If you are pressed for time, you still do not have to take a rushed decision. There are online websites where you can get budget friendly insurance quotes. You can also get  attractive discounts on policies if you purchase online. Look a little harder and you can find policies with the lowest premiums. You don’t necessarily need to the more expensive plans, as value for money policies can be good enough for your needs. 

Get more savings - Most people require various different types of insurance policies i.e. home, life, vehicle, liability, and more. If you buy more than one type of insurance from service providers, they offer attractive discounts. So you could end up saving as much as 10% on your insurance expenses. Many people are now choosing to buy home and car insurance together. Get information about the various savings offered by different service providers before making your decision. 

Keep your insurance deductibles high - This is one of the ways to reduce your vehicle insurance premiums. It is advisable that you keep your deductible amount reasonably high, if you can handle it. This will leave you in a more secure situation if something does happen to your car. 

Multi-vehicle insurance - Many of us own more than one vehicle and need to purchase multiple insurance policies. It is a good idea to buy insurance for all your vehicles from the same provider. You can get lucrative concessions on policy price and/or premiums, by going down this route. Having all your vehicle insurances under one provider also helps you handle them in a more efficient manner. 

Ditch collision coverage - For older vehicles, or ones that are too damaged, collision coverage is not a bare necessity. In fact, a large part of your insurance premiums go towards this. You could save a considerable amount this way. 

By following  these simple tips and tricks you can save considerable amounts on your vehicle insurance.

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8 Proven Tips for Buying Home Insurance


Buying home insurance is a major headache for many, but a very important process. Every year natural disasters, fires, thefts and more cause significant damage. A good insurance policy can be the difference maker, and reduce impact on your finances and life. Justin Urbas, experienced financial consultant has several important tips that you can consider for buying insurance. Let’s have a look - 

Valuable Tips for Choosing and Purchasing Home Insurance 

* Know why it’s a necessity - In order to protect your home, property and possessions from the impact of any unfortunate events, insurance is a necessity. If you are not covered, the costs of repairing and restoring a home can be astronomical. To avoid such situations, it is crucial to have home insurance protection. 

* Make estimates of coverage needs - The benefits of your insurance depends on the amount of coverage you have. When something happens and you need your home insurance, sufficient coverage will ensure lesser expenses on one’s own part. A good tip is to have coverage that covers your mortgage, and look into the terms of the policy regarding coverage. 

* Reconsider deductible amounts - This is one of the most important insurance tips. Raising the deductibles can help you save up on your monthly or yearly home insurance plans. In fact, if you can, you can raise the deductible dollar amounts by 100-200%. Go for policies that are not so rigid about modifying deductible amounts if necessary. Many policies which have higher deductibles have lower prices. 

* Do research beforehand - Prior to purchasing a home insurance plan, consider other options. Although a plan might be priced lower and seem quite appealing, they might not be offering the quality and amount of coverage you need. Compare various policy perks online to help make up your mind. Taking informed decisions are important to protect your interests.

* Get people’s recommendations - Ask around among friends, relatives, neighbors and colleagues regarding their choice of home insurance schemes. Discussing about policies and getting people’s inputs, will help you decide on the most relevant, high-value options.  

* Be mindful of basic coverages - Know in detail about the fundamentals of a home insurance policy before you invest. Each provider may have different policies, which are each beneficial in different ways. Gain information about weather and fire damage coverage, and protection against thefts and burglaries. Also check for coverage regarding property damage, medical payments, additional living expenses and liability. Terms of coverage may also differ depending on whether it is rented and owned properties. 

* Consult a financial advisor - If you need help regarding choosing the right home insurance policy, consulting with a reputed financial advisor might be the right option. They can assess your property's insurance requirements, and recommend the best options. Of course, the choice of possible policy contenders also depend on how much you can invest. 

* Read it again, thoroughly - Read a policy multiple times and understand its terms and condition completely. This is quite important as you do not want to miss out on any important details, that could bite you back when it’s time to claim. Only after you are sure about exactly what the policy offers you, should you go ahead and make the purchase. 

By following these simple tips, you can make the right decisions regarding getting the right home insurance policies. 
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Key tips for first-time life insurance buyers.


Looking to buy life insurance for the first time? If so, you're probably asking yourself questions, such as "How much do I need?," "What kind of policy is best?," and "Which company should I buy from?" There's no question that buying life insurance for the first time, like any other new experience, can be more than a bit daunting.

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Justin Urbas:Some Useful Insurance Tips for First Time Buyers


Life is full of surprises and unexpected happenings which can leave anyone unprepared. In order to cope better with such possibilities, insurance is a necessity in today’s world. Whether it’s life, health, home, motor, travel or personal accidental insurance, it is a wise decision to find the best options. While seeking insurance schemes, we come across a lot of programs which promise a world of benefits. Before you decide on an insurance scheme, do ensure that it is from a credible service provider. Financial services such as insurance can be of great help when one is need. Selecting the right option is quite important to stay worry free in the future.

Consulting with an independent financial consultant can help you get an idea about the most high-value insurance plans available to you. Their research can suggest the right schemes based on your income, expenses, quality of life, property and possessions and current health. It is recommended that you choose insurance plans that are popular in general. Read reviews and get people’s opinions about which to opt for. An insurance scheme is an investment that helps you secure your future. So it has to be foolproof and transparent on its terms and conditions.

First time insurance buyers face a hard time in understanding the terms of insurance schemes. To help them out, experienced financial advisor David Justin Urbas has come up with some useful tips. Let’s have a look.

Insurance Tips for A Better Tomorrow 

Although there are various considerations while buying different types of insurance, here are some general tips one can follow while purchasing an insurance plan.

1. Know about coverage - It is important to make sure that the insurance plan you choose offers ample coverage, and is in line with your requirements. Based on that, you can evaluate various insurance schemes. Calculating coverage beforehand to see what you will get, is a good way to choose a policy.

2. Study the policy - Once you consider purchasing an insurance policy, make sure to read it thoroughly and understand the policies. It is quite crucial that you know how an insurance policy can protect your assets, and allocated finances i.e. family expenses, mortgage payments etc.

3. Find information about provider - Buyers should research an insurance service provider, and find information about how policies can protect several spects i.e. home financial support, protection of assets, mortgages etc. View different plans from different providers, and see which one offers good returns.

4. Consult with independent financial advisors - Independent financial advisors carry extensive knowledge about the various insurance options available for your needs. They work with thousands of individuals and businesses on a regular basis. An advisor can definitely understand your requirements, and recommend the most appropriate insurance schemes within your budgets.

These are some basic insurance tips one can follow in order to make the most out of available insurance plans. Get in touch with an insurance expert or independent advisor to determine the best options. Secure your home, property, vehicle, travels and life with quality insurance plans.
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Justin Urbas - Talk To An Independent Health Consultant for Best Insurance Advice


Staying healthy is one of the most important things in life, as health really is wealth. In fact, as  many now say, one’s health is their most valuable currency. Due to our hectic lifestyles and the presence of contaminants in our food, water and air, even very healthy people are falling sick. Many of us are being diagnosed with diseases and ailments, which our past generations have no history of. Insuring the health of oneself, and our family should be one of the main priorities today. Choosing the right health insurance option is vital in order to prevent, or cope up with major health related incidents.

Selecting the right health insurance options can be quite a difficult task, as many of them offer similar features. But this choice can determine how well protected you are in case of health issues and emergencies. It is advisable to look for a plan provided by reputed health insurance providers. One has to be well informed regarding the premiums, deductibles and other related factors that come with their health insurance plans. Many of us wait too long in choosing the right options, and sometimes it is too late.

Consulting with a health insurance consultant can help you get a better idea about your available options. They can point you towards the right direction, in regards to the most lucrative health insurance plans. Health consultants like David Justin Urbas and many others, have extensive knowledge of the healthcare industry, and have vast experience of working with the clients from all walks of life. Whether you are a salaried employee, or a businessman who wants to secure the health of their near and dear ones, some good advice from a consultant can be of great help to you. Let’s look at some benefits of hiring professional health experts for insurance related queries.

Rely on Health Experts for Health Insurance Advice

1. Independent health insurance consultants carry extensive knowledge about all existing health insurance plans.
2. If you have any /queries regarding you health insurance plan they can help you out.
3. Those who are facing troubles in choosing the right options can consult with independent experts.
4. They can recommend the best insurance programs, depending on one’s family, income, financial status and pre-existing health problems, if any.
5. They can help choose the best future insurance plans, which may vary due to additions or subtractions from your family.
6. Consultants can inform you about the different types of health insurance plans, and the benefits of each to help you decide.
7. If you are facing any troubles with claiming your health insurance during an emergency, you can seek helpful advice from an independent health consultant.
8. They can tell you if the plan you have invested in, or about to invest in, has tie-ups with the local hospitals.
9. Consultants work with clients to help them effectively reduce their premiums and associated costs of health insurance.

Get in touch with a reputed health consultant to ensure the best results from your health insurance investments. 
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Marketing Tips for Insurance Agents


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Justin Urbas - Car Insurance: How to Reduce Your Cost


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Justin Urbas - Ten tips for cheaper car cover


The mistake most drivers make is failing to shop around for the best premium and simply accepting an insurer's renewal quote, which is likely to be much higher.
Thanks to recent reforms to compensation payouts, motorists face a 10 per cent - around £50 - hike in their car insurance premiums.

Piling on more pain, from June, bill payers will also see an extra £10 added to bills thanks to a rise in insurance premium tax to 12 per cent.  

Therefore, it is now more important than ever to make sure you are not overpaying for your car insurance.

There are a handful of ways to help reduce your car insurance costs? Whether you are male or female, old or young, follow our ten steps to lower premiums.

1. Shop around for the best deals

Savings of hundreds of pounds can be found if you shop around when you renew your cover.

Be careful though. When shopping around for car insurance, it's important to make sure that you are comparing like-for-like cover. Some policies may seem cheaper, but you may find you don't have the same level of cover when you have to make a claim.

Use an online comparison service to do the hard work for you. Put in your details and check the prices that come up. You can alter the excess that you are willing to pay and the mileage you will drive and get new quotes.

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Know 6 tips from David Justin Urbas before purchasing health insurances


Though having a health insurance is crucial for managing the medical expenses, most of the people do not realize its importance. In most cases, people end up choosing a wrong health insurance. Here, David Justin Urbas, has pointed out some tips, so that you can get the right health insurance.

Be selective for choosing the insurance policy:

You may find different companies offering life insurance. But, each one of these do not have the same policy. Some companies focus on reimbursing the family members while others let you meet the expenses during treatment. Decide which one you prefer more and then choose the insurance company.

Know your future requirements:

Before choosing any health insurance policy, you have to understand the future requirements the requirements will vary depending on the family members too. For example, the benefits you need for meeting expenses of aging parents will be different than those for the new moms. Thus, before deciding the policy, have clear idea on your requirements, analyze whether the chosen policies will be suitable for meeting those requirements and then take the decision.

Know the type of insurance types:

A family insurance policy can be of different types. You may choose the cashless a policies over the reimbursement types. You can think of having a floater policy so that all members get benefited in long run. If you do not have clear idea on different types of health insurances, try asking questions to the service providers. It will make you able to understand the policies offered by insurance companies. Once, you have adequate information in hand, compare among different policies and then make an informed choice.

Know the right amount of ‘sum assured’:

‘Sum Assured’ is the highest amount that you can get through reimbursement or any other way from insurance service provider. Whatever be the policy you choose, the ‘sum assured’ will be the prime concern. You have to choose such an amount so that the ever rising medical costs can be paid. On the flip side, you should keep the amount of premium in mind also. It means, for getting high ‘sum assured’ you have to pay high premium also. So, while choosing an insurance with large ‘sum assured’ , check whether the premium is within the budget or not.

Know the listed hospitals:

Every insurance service provider has some selected hospital. These hospitals have tie -up with those insurance companies. If you are under a treatment in one of these hospitals, you can get some extra benefits. Thus, before choosing any insurance company, knowing the listed hospitals would be a good idea. You have to check reputation, services offered by those hospitals and their distance from your home too before taking the decision.

You can check whether your chosen insurance service provider has tie-up with multi specialty hospitals or not. Presence of such hospitals in the list can be effective to get better treatment later.

Understand how to calculate the premium:

Almost every insurance company uses similar formula for calculating the premium. Still, the sum you have to pay monthly or yearly, can vary slightly for different factors. Before buying the insurance, know the formula your chosen service provider is using to avoid extra expenses.
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Insurance Industry - Evolution According to iPipeline iPipelineInc


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How to get cheaper car insurance


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Marketing Tips for Insurance Agents : Marketing & Advertising Strategies


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Justin Urbas - Some important details about international accident compensation


Two types of legal recourse

When it comes to holiday accident compensation the law can become very complicated and it is difficult to summaries the position in brief. However, generally speaking, there are two types of legal recourse available to the injured party.

1. Claiming against a UK company if the accident occurred while in premises, engaging in activities or using products which were purchased in the UK.

2. Claiming holiday accident compensation through foreign courts in the country in which the accident happened.

Why the distinction in holiday accident compensation?

The legal distinction is to do with both where the contract was formed and the nature of the right which arises from a contract.

Contract Law rights

A right under Contract Law is generally a right which acts against a person, not against property. Therefore, it is possible to sue someone if they break a contract to sell you their car, but the right is against the individual and so results in an award of damages from that person to you, it does not result in a court order against the contract-breaker to actually sell the car.

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