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In the life insurance business, there are highs and there are lows in activity. There are several factors that traditionally contribute to this ebb and flow, but lately there have been some anomalies that are affecting the life insurance sales industry. In this article, I will examine some reasons why insurance sales would be on the rise or why they are currently in a lull.

Back a few months ago, when it was the beginning of summer, I expected a downturn in business as I always can anticipate in the summer season. Summers are slow as far as life insurance sales because people are either on vacation or they’re just too darn hot to get out and meet with a salesman. What’s more, the life insurance salesman too is on vacation. The agents usually go out and enjoy the nice weather and take the summer off to golf or maybe meet with prospects in a more relaxed atmosphere. Well, the summer is over (as far as the calendar is concerned), but the weather is still fine outside - at least in the South. At any rate, business is still running at a slow pace.

Speaking for this particular month (September 2005), it very well may be that since consumer confidence is down to an all time low since 1990, hurricane Rita and Hurricane Katrina just ripped through, and the fact that gas is at an all time high, consumers are thinking less about the future (life insurance) and more about how to keep afloat right now.

On a more global scale, perhaps life insurance sales are down because of the war in Iraq or the tension between the USA and other Countries.

Also, could it be that the “me” generation is getting its way? Are folks just not thinking about the welfare of their families as much?

One thing that has impacted the service industry in a huge way is the “do not bother me” mentality that we’ve all adopted. The do not call list, do not fax list, and no soliciting signs are crushing an industry that once thrived and depended upon these methods of communication. The life insurance agent or broker faces a real challenge where this is concerned.

So what can we do to boost sales? Can the companies help? My opinion is “yes”, the insurance companies CAN help to boost business. Just recently, Prudential has aired a consumer awareness commercial about the importance of life insurance where a boy asks his Father “Dad, do you have life insurance?”. I propose that we, as agents and general agents rally the insurance companies and get them to raise awareness and create desire to protect wealth, secure businesses well-being, and promote a better future.

By: Ashley Brooks, CLTC

Ashley is the marketing vice president for the Family Life Insurance Brokerage Business and has a background in Health & Financial Underwriting, Insurance Plan Design, and “best deal” shopping. Brokerage Services carries only A rated (or better) companies in their product portfolio and has been serving the needs of Independent Insurance Agents since 1977.

Get a free online term life insurance quote from Ashley Brooks here Term Life Insurance Quote

General Life Insurance Quote Agent Online Here: Life Insurance Quote

Tags:insurance,car insurance.life insurance tag3, life insurance leads, genworth, life insurance quote, tag1

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Would-be heating oil installers must hold a current certificate of assessed competence before they can apply for OFTEC registration. To get a certificate, they must first pass one of the following assesments:

OFT 105 Domestic/Light Commercial Appliance Installation (this includes Domestic Tank Installation).

OFT 105E Domestic/Light Commercial Appliance and Energy Efficiency Installation (this includes Domestic Tank Installation).

OFT 101 Domestic/light Commercial Pressure Jet Appliance Commissioning and Servicing.

OFT 102 Domestic/light Commercial Vaporising Appliance Commissioning and Servicing.

OFT 600A Domestic/Light Commercial/Industrial Tank Installation.

Passing just one of these modules means an oil installer can lawfully work on any type of oil installation detailed above, once registration is completed. While it is unlikely that an applicant with only one module to their name would be accepted, it is not impossible by any means.

Oil Installer Courses:

Costs and duration of courses do vary, but many courses only last one day. Zurich certification would even teach module OFT 600A in half a day.

Almost all of the course providers insist that applicants for these courses require a level of prior experience in the oil industry to successfully complete the course. Importantly though, no pre-requisite qualifications are required to take any of these courses.

Registration with OFTEC:

Following completion of an appropriate OFTEC module at a recognised assessment centre, the following steps are necessary to become fully OFTEC registered. The applicant’s company will need to sign a declaration concerning Public Liability insurance cover, minimum

Tags:insurance,car insurance.life insurance tag3, tag2, tag1

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Did you know that one fifth of all crimes reported to the police in the UK are vehicle crimes?

One fifth. That seems a huge amount.

In fact, car crime is falling in this country and has actually been reduced by 9% in the last few years according to the latest police statistics. The fall has been attributed to motorists finally taking notice of the numerous campaigns that have been implemented to encourage them to be more wary, and most of us now take steps to protect our cars.

But not enough.

The cost of vehicle crime affects all motorists because it drives up premiums and makes cheap car insurance harder to find. Here’s a statistic for you- a vehicle in the UK is broken into every 23 seconds.

And nobody wants to be a statistic.

So to keep the thieves away from your car and to keep that cheap motor insurance premium at a reasonable price, there are some steps you can take.

First of all, remember that your vehicle is like a shop window for thieves. If there’s anything on view then it could be stolen. And thieves will steal absolutely anything. So keep everything hidden or, better still, take it out of the car completely. It’s not just the obvious like wallets, phones and laptops that will get taken, but old coats, CDs and the loose change that you use for parking.

If it’s not the bits and pieces inside your car that the thieves are after, it’s the car itself. Lock all doors, close all windows and shut the sunroof every time you leave your vehicle, no matter how long you’ll be gone. Car thieves are often opportunists and will delight in a car that’s been left unlocked on the garage forecourt or left unattended and defrosting on the driveway.

Talking of driveways, they’re good. Well, better than the street anyway. But even better is if you can keep your vehicle inside a locked garage when you’re at home. And motor insurance companies will love you for it- they’ll be sure to give you a cheap car insurance quote if you can prove that your car is locked away securely at night.

Not everyone’s lucky enough to have a garage to put the car in, or maybe yours is just too chock-a-block with bits of old lawnmower and garden chairs. If it is, and you really can’t be bothered to clean it out, then there are some alternative security measures you can invest in.

The most popular, and a right pain in the backside to thieves, is a steering lock. They come in all shapes and sizes, although for some reason most tend to be yellow, and will normally put a potential thief off the idea of trying to half-inch your car.

Immobilisers and car alarms are other methods of protecting your vehicle, and nowadays often come fitted to new models as standard. Trackers are available too, and if failing to deter a thief, will instead go someway towards helping locate your vehicle later on.

Of course, alarms, trackers and immobilisers are all something that motor insurance companies love to hear about, so it could be worth investing in one to help get that cheap car insurance deal.

No matter how many precautions you take to make your car as thief-proof as possible, there is still a chance that it could be broken into or stolen. The only sure-fire thing you can to do to protect yourself is to get proper motor insurance cover, and nowadays, with all the cheap car insurance firms that are springing up, it needn’t cost a packet.

Author: Simon Jacobs, Duck2Water Car Insurance

Duck2water Car Insurance Services are experts in cheap car insurance and can provide fast, free quotes in a matter of seconds - just go to http://www.duck2watercarinsurance.co.uk or call 0808 144 0136.

Tags:insurance,car insurance.life insurance tag2, cheap car insurance, motor insurance, tag1, tag3

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