#insurance sales agent job description

[insurancechy]

Work from Home Insurance Jobs: Secure Your Future!

Work-from-home insurance jobs offer opportunities for individuals to work remotely while performing various roles within the insurance industry. These jobs can include positions in sales, customer service, claims processing, underwriting, risk assessment, and more. Here are some examples of work-from-home insurance jobs:

Remote Customer Service Representative: Customer service representatives handle inquiries, provide assistance, and resolve issues for policyholders and potential customers via phone, email, or chat.

Virtual Sales Agent: Sales agents sell insurance products and policies to individuals or businesses through virtual channels such as phone calls, online meetings, and webinars.

Telecommute Claims Adjuster: Claims adjusters investigate insurance claims, assess damages, and determine coverage eligibility. They may handle property, auto, health, or liability claims remotely.

Remote Underwriter: Underwriters evaluate insurance applications, assess risks, and determine coverage and pricing for policies. They analyze data and make decisions based on established underwriting guidelines.

Virtual Insurance Agent/Broker: Insurance agents or brokers sell insurance policies and advise clients on coverage options, policy features, and risk management strategies. They may work remotely and communicate with clients via phone, email, or video conferencing.

Remote Insurance Auditor: Insurance auditors review policyholder records, financial documents, and insurance contracts to ensure compliance with regulations and assess risk exposure. They may conduct audits remotely and communicate findings to insurers and policyholders.

Work-from-Home Insurance Consultant: Insurance consultants provide expert advice and guidance on insurance-related matters, such as coverage options, risk assessment, claims management, and regulatory compliance. They may work independently or as part of consulting firms.

Virtual Insurance Claims Processor: Claims processors handle administrative tasks related to insurance claims, such as data entry, document review, and processing payments. They may work remotely and use specialized software to manage claims efficiently.

When searching for work-from-home insurance jobs, individuals can explore job boards, company career websites, and specialized remote work platforms. It's essential to carefully review job descriptions, qualifications, and application requirements to ensure a good fit with skills, experience, and preferences. Additionally, candidates should demonstrate strong communication skills, attention to detail, problem-solving abilities, and a solid understanding of insurance principles and practices.

[zenruption]

Everything You Need To Do Before Opening Your Company To Employees

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By Lina Martinez

Hiring new employees is easy as pie, right? Sure, if you’ve been doing it for a while already - you just need to put out your job advert and then start to check out all the applicants once they start to roll in. Unfortunately, though, hiring your very first employee isn’t quite that easy.

There are actually a lot of things that you need to prepare and sort out within your company once you are ready to begin hiring staff. Most of these preparations are legal requirements while others will just help you and your company prepare for all the new people you will be welcoming into your working day!

So, ready to start looking for the new allstars of your company? Here are some things that you need to do before opening your business to employees.

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Budget For Recruitment And Salaries

Hiring staff can be very expensive so you will need to look at your company finances and figure out whether or not you can actually afford to go through with it. The first big expense you will encounter will be the whole recruitment process. You will need to pay to advertise your job adverts on certain websites and with recruiters. In fact, using recruiters can be costly, but will certainly take a load off your mind, especially if you are preoccupied with other jobs within your company. Next, you need to make sure that you can actually afford to pay someone. Don’t just take their salary into account when you are trying to budget for this - you also need to remember that you will be legally obliged to contribute to their pension plan and also provide them with paid holidays and sick leave. Overall, this can be a big expense for your business.

You might ask yourself “What is PTO?”, at some point, but it needs to be budgeted for as well. PTO, or personal time off, will be a cost for which you are not receiving productivity.

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— Community Impact Newspaper (@impactnews) February 11, 2018

Nail Your Job Description

One of the main parts of a job advert is the job description. This will let everyone know the type of position you are hiring for and the exact type of person you are looking for. Make sure that you mention the kinds of knowledge, qualifications, skills, and experience that you want to see in the applicants. It is really important that you spend plenty of time writing up this description as it will help you in the long run. That’s because it will be clear what you are looking for, and you won’t feel that your time is wasted too much by the wrong type of applicants applying for the job. If you don’t take much care writing your job description, you will find that you waste time and money trying to sift through a lot of pointless applications.

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Get Plenty Of Insurance

If you visit Barros McNamara Malkiewicz & Taylor on the web, you will see that it can be very easy for employees to take their employer to court and receive compensation for any workplace accidents and injuries that weren’t their fault. So, to ensure that your company isn’t damaged too much by the financial ramifications of being taken to court and sued, it’s important to protect it with plenty of insurance. After all, you can’t totally prevent any types of accident from occurring, so it’s best to protect yourself with plenty of insurance protection. Make sure you have lots of business insurance, especially employer’s liability insurance. This covers employee injury, illness, and deaths that might take place in the workplace.

Make sure you shop around for potential insurers, as rates can vary widely. It’s also advised to find an agent that has prior industry experience. For instance, if you are opening a shooting range, you don’t want to be shopping for a general policy but rather getting an accurate estimate for a specialist shooting range insurance cost.

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Full-Time Employees Or Contractors?

I’ve already mentioned that employing full-time employees can be very expensive, but there is one way around that - you could look for contractors and freelancers instead. These are self-employed individuals who will work for your company on a project-by-project basis. As they aren’t technically full-time employers, you won’t have to worry about providing them expensive perks, such as paid time off for holidays and sickness; if they don’t work, they don’t get paid. Hiring a contractor will probably be the best bet if you just need some extra help with some short-term projects. As soon as they finish one project, you can stop paying for them as they will no longer be working for you. Of course, if you have more work for them in the future, you can always bring them on board for that!

Free Up Time For Interviews

How is your diary looking for the next couple of months? If it is already jam-packed then you might want to hold off on the whole recruitment process until you get a bit more free time on your hands. That’s just because carrying out interviews and going through all the different applications will take up a lot of your time. It will certainly distract from some of your other important tasks. While you are hiring some new staff, you might want to start working later for a couple of weeks just so you can fit everything in that needs to be done!

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Set Up A Payroll

Before you can start hiring some new employees and paying them, you will need to set up a payroll. This is required for issuing paychecks and sorting out all of your employees’ tax payments and pension contributions. Thankfully, you can now purchase software and computer programs that can automate all of this for you. But if that even sounds a bit too complicated, you could hand all of this over to your accountant. They can take care of your payroll for you. Once you do start to grow your company and create a HR department within your business, your HR staff will be able to carry out payroll, so this can be brought back inhouse.

Create An Employee Handbook

Once you bring a new employee into your company, you should start documenting everything. That way, you can clearly outline all of your expectations. To do this, create an employee handbook. You can also fill this with company policies and other useful information. This can then be handed out to any future new hires to help them with their onboarding training.

You should now be ready to hire employees!

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THANK YOU TUMBLR

JOBS JOBS JOBS

Urgent Hiring | Life and Health Insurance Agent | Onsite | Port St.Lucie, FL

Hello,

This is Shalini from Balance Staffing. I was trying to reach you regarding urgent openings for Life and Health Insurance Agent positions.

Please let me know if you're interested and give me the authorization to submit your profile by replying "I'm Interested".

Position – Life and Health customer service representative.

Location – Port St.Lucie, FL.

Process – Onsite / Inbound calling

Duration – Long term/ Seasonal.

Bonus Pay – All agents will be eligible for "performance-based" bonuses.

Job Description:

All inbound calls regarding home and automobile insurance membership questions.

Customer service, There are no sales involved.

Connect with customers via phone/email/chat/and or social media to resolve their questions or concerns

Calmly attempt to resolve and de-escalate any issues

Escalate interactions when necessary and appropriate

Respond to requests for assistance and/or possibly process payments

Starting in training, candidates will obtain their reciprocal licenses/Non-resident outside their resident state.

It is not captive, candidates are still able to work with other carriers.

Other Requirements:

Open Availability between the hours of operation for their site-specific location

Quiet & Professional Workplace

18 years of age or older

High School Diploma or equivalent

Basic Computer Knowledge/Skills

Reliable internet

Training:

Five weeks of paid training / Same pay in training

License (Required):

Active “Health Insurance License” (Must have their resident license in the state they are currently living in)

Thanks & Regards,

Shalini Mishra

Senior Recruiter

Work: 607-330-2660

Email: Shalini.Mishra@Balancestaffing.com

Let's Stay Connected:

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Cabin Crew Course In Gurgoan

Cabin crew courses have seen a renewed growth in popularity in both India and abroad, with increasing global air traffic. The prime object of airlines employing the cabin crew or flight attendants is to ensure the comfort and security of the passengers. The flight attendants, also known as air hostesses and air hosts or stewardesses and stewards, undergo rigorous training to reach where they are. A sunny disposition, good interpersonal skills and patience are hallmarks of an efficient cabin crew. For anyone who enjoys travelling and interacting with people, cabin crew courses after 12th are an ideal option.

Scope after cabin crew courses

After completing a course from a cabin crew training institute, a candidate has a wide array of career options open to them for consideration. You can start with domestic airlines and expand to international airlines with greater experience. Cabin crew courses after 12th also lead to lucrative remuneration packages.

Once you have succesfully completed any of the cabin crew aviation courses, many post-retirement options also become available like in the ticketing department, operations, customer services, and the like.

The characteristics of an Air Hostess

An Air Hostess, also called Cabin Crew, Steward, or Flight Attendant, makes sure that people are safe and comfortable during the flight. Even though the job of an Air Hostess looks easy and fun, it requires a lot of training, good people skills, and patience. This could be a great job for someone who likes to travel and work with other people. 

All About Courses for Air Hostesses

Air ladies, also called stewards, cabin staff, or flight attendants, make sure that their customers are comfortable and safe. Air hostessing may seem like a simple and appealing job, but it actually requires a lot of training, good people skills, and patience. This could be a satisfying career choice for people who like to travel and get along well with others.

To become an air hostess, you can get a certificate, diploma, or degree in flying, hospitality management, air hostess training, airport ground service, and so on. As part of the course, they have to go through a lot of training. After the 12th grade, popular Air Hostess classes include the Diploma/Certificate in Cabin Crew, BBA/MBA Aviation, and MBA Aviation Management.

Why take courses to be an air hostess?

Air hostess is one of the most desired jobs for women who have finished class 12 and graduated from high school. Many young women want to become flight attendants so they can make a good job and see the world. It’s a great job for people who like to meet new people every day and talk to them.

How to Become an Air Hostess: Job Descriptions, Salary, and Top Recruiters

To be a good air hostess, you need to have a nice personality and go to the right school. The field is very broad, and it is likely to grow at a steady rate every year. As soon as the FDI policy is liberalized, there will be a lot of money going into this area. With new airlines starting up and a lot of money being put into the business, it’s doing well.

A job as an air hostess also comes with great pay and a nice place to work. If they work for foreign airlines, they can make up to INR 2 lakh per month. Domestic carriers pay between INR 30,000 and INR 45,000. In addition to their normal monthly pay, they are also eligible for things like discounts on plane tickets, retirement benefits, and health insurance. Indian Airlines, Go Air, Air India, Delta Airlines, Jet Airways, Gulf Air, British Airways, Singapore Airlines, United Air, Lufthansa, etc. are some of the top companies that hire air ladies.

Job Duties of Air Hostess and Cabin Crew

Air Hostess Training can lead to a number of different jobs. There are many jobs available, from Cabin Crew to Ground Workers, Sales Representatives, and Airport Managers. Students can get well-paying jobs as plane hostesses, ground staff agents, cabin crew, and airport managers after they graduate.

The needs of the flight decide what an air hostess does for a living. Still, the following are some of the most important responsibilities:

Here are some of the most important things an air hostess does during a flight:

On-ground Responsibilities

Making sure that the emergency medical kits on the plane are packed and ready to use.

Make sure that the bathrooms are clean and in good shape.

Check to see if there are meals and drinks on the flight.

Help people carefully put their hand bags in the overhead bins.

Check to see if everyone is wearing their seatbelts when the seatbelt sign lights up.

Show people how to use the emergency kit and how to get out of the building in case of an emergency.

Let the pilot know when the plane is ready to take off.

In-flight Responsibilities

Look at the obligations of cabin crew and air hostesses in flight:

Guarantee that all travellers are wearing their safety belts. Offer feasts and rewards to travellers.

Sell obligation free product

Make basic declarations for the pilot’s sake.

Give help in health related crises.

In case of a crisis arrival, help travellers in leaving the plane.

Landing Responsibilities

Make a rundown of things that have been lost and found.

Make a rundown of any money or stock that remains after the flight lands

Any Information About Cabin Crew Course In Gurgoan 

CONTACT -9205714524

WEBSITE - https://www.aptechlearning.com 

[insuranceoryx]

Insurance Sales Agent

Job title: Insurance Sales Agent Company: Farmers Insurance 1475 Job description: We want to add a motivated and personable new employee to our insurance agent team who is seeking a new learning opportunity with lots of room for growth. The ideal candidate for our entry-level insurance agent position has the solid communications skills it takes to drive insurance sales among potential clients and…

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Estate Planning Attorney In Provo Utah

Estate Planning Attorney In Provo Utah

The decisions that you make about your assets now can have a profound effect on your family later. Potentially for generations both financially and emotionally and that is why you have to carefully select your estate planning lawyer. Weighed your options and thought hard about the consequences. That’s also why, when Estate planning attorneys in Provo, Utah serves as your executor, they take great care to get it right and ease the burden on your loved ones. And help ensure that your wealth ends up right where you want it, the way you want it to. Nearly everyone is surprised by how arduous settling an estate can be. And what it takes to handle all the assets properly. It’s not a job you want to leave to loved ones when they’re also burdened by grief. It’s best left to professionals who have the experience, knowledge and resources to support your family.

Keeping all the plates spinning any executor would probably agree that’s a good description of what’s involved in administering an estate. Even if it’s a relatively simple estate and when estates are larger, the stakes only get higher. Picking the right executor and the right team of supporting professionals—can make a meaningful difference in how easily and efficiently your loved ones will receive their inheritance and how well your plans are carried out.

What Does An Executor Do?

Though it’s a complicated and meticulous task by definition, we can narrow it down to three main activities: • Identifying, collecting, securing and valuing an estate’s assets and liabilities. • Preserving the value of the estate until distributions are made to beneficiaries. • Managing estate assets to satisfy ongoing expenses and distributions. For example, to pay debts, expenses, taxes and for professional services.

How they can work with your estate

• As sole executor: They take complete responsibility for settlement, administration and estate disposition. • As co-executor: They share responsibility for oversight and administration with other individuals. • As an agent for the executor: An executor hires them to perform administrative duties, but retains final responsibility.

What they do

In whatever way you and your family choose to work with them, they can take care of all or any part of your estate administration needs from probate to final distribution of assets.

Estate administration

• Coordinate probate of your will. • Inventory all estate assets and value the assets for estate tax purposes. • Secure estate assets—cancel credit cards, review insurance coverage, transfer vehicle registrations, etc. • Collect all financial assets, and pay debts and expenses of estate. • Perform complete recordkeeping in compliance with accounting and tax law standards.

Investment management

• Evaluate and determine reserves to meet future distributions, debts, expenses, taxes and other payments. • Monitor non-financial assets, such as real estate, closely held business interests, and oil, gas and mineral holdings.

Accounting and tax management

• Collect and examine documentation, including personal bank statements, income tax returns and gift tax returns, if any, for the prior three years. • File and pay income tax returns for the estate. Includes preparation of estate, inheritance, income and transfer tax returns, and responding to tax inquiries and audits. • Coordinate preparation and approval of final accounting.

Specialized services

• Analyze and secure closely held business assets, assist with business succession, and make recommendations and decisions as a shareholder or partner. • Market and execute the sale of real estate and other non-financial specialty assets—such as artwork, collectibles and other esoteric holdings—to meet estate objectives. Contrary to popular belief, you don’t need to own a huge house for it to be considered an estate. Your “estate” consists of everything you own when you die. This will include all but not limited to your home, personal property, investments, bank accounts, retirement plans and any ownership or interest in a business or partnership.

PROBATE

Probate is the legal process of settling the affairs of a person who has died (decedent), including asking the court to determine if the decedent had a valid will, or if there is no will (intestate) to determine the heirs of the decedent, and to appoint a personal representative of the decedent’s estate. The decedent’s estate is all real property and personal property owned to the decedent as of the date of death, along with any debts or obligations owed by the decedent. The probate process may include gathering assets, paying debts, notifying heirs and creditors, filing and paying taxes, selling estate assets, preparing and providing accountings, petitioning the court to close the estate, and distributing property to the decedent’s successors. Because of the complexity that can arise in even a small estate, we recommend you hire an attorney experienced with Utah probate law.

When Is Probate Required In Provo, Utah?

In Utah, probate is necessary when either of these statements is true: • The decedent’s estate has any real property (land, house, condominium, mineral rights) regardless of value. • The decedent’s estate has assets (other than land, and not including cars) exceeding $100,000 in value. Benefits that are paid directly to beneficiaries (like life insurance or retirement benefits) are not included in the $100,000 amount. If property (regardless of total value) is owned by a trust or owned in joint tenancy, probate is not necessary. Even if probate is unnecessary, there are some circumstances when it may be advantageous to file a probate, such as to more effectively deal with creditors or in certain family situations.

How Much Does Probate Cost?

The costs and complexity of probate in Provo were dramatically reduced when Utah adopted the Uniform Probate Code. Ultimately, the cost of probate depends on the size and complexity of the estate. Most attorneys charge on an hourly basis. Attorneys who specialize in probate and estate settlement have the expertise to assist your family in a cost efficient and timely manner and can help avoid costly mistakes that can have seriously adverse tax consequences.

The estate settlement process may involve the following: • Informal probate • Formal probate • Notice to creditors • Trust administration • Preparation and filing of a federal estate tax return – IRS Form 706 • Small estate proceeding • Affidavits for collection of personal property • Estate valuation and collection of benefits • Estate and trust asset transfers • Estate and trust accounting • Real estate transfers • Handling closely-held business interests • Preparation and filing of estate or trust income tax returns – IRS Form 1041 • Collection of retirement benefits (IRAs, 401(k) plans, pension plans, etc.) • Receipt and release forms from estate or trust beneficiaries • Formal estate closing and accounting with the probate court

It seems like many people devote more time to planning a vacation, choosing a car to buy, or even selecting a spot to eat dinner than they do to estate planning deciding who will inherit their assets after they’re gone. It may not be as fun to think about as booking a trip or checking out restaurant reviews, but without estate planning, you can’t choose who gets everything that you worked so hard for. Estate planning isn’t only for the rich. Without a plan in place, settling your affairs after you go could have a long-lasting and costly impact on your loved ones, even if you don’t have a pricey home, large IRA, or valuable art to pass on. Not convinced that an estate plan is necessary? Consider these four reasons why you should have one and avoid potentially devastating consequences for your heirs.

1. An Estate Plan Protects Beneficiaries If estate planning was once considered something that only high net worth individuals needed, that’s changed. Nowadays many middle-class families need to plan for when something happens to a family’s breadwinner (or breadwinners). After all, you don’t have to be super-rich to do well in the stock market or real estate, both of which produce assets that you’ll want to pass on to your heirs. Even if you’re only leaving behind a second home, if you don’t decide who receives the property when you pass away you won’t have any control over what happens to it. That’s because the main component of estate planning is designating heirs for your assets, whether it’s a summer house or a stock portfolio. Without an estate plan, the courts will often decide who gets your assets, a process that can take years, rack up fees, and get ugly. After all, a court doesn’t know which sibling has been responsible and which one shouldn’t have free access to cash. Nor will the courts automatically rule that the surviving spouse gets everything.

2. An Estate Plan Protects Young Children Nobody thinks of dying young, but if you’re the parent of small children, you need to prepare for the unthinkable. This is where the will portion of an estate plan comes in. To ensure that your children are cared for in a manner of which you approve, you’ll want to name their guardians in the event that both parents die before the kids turn 18. Without a will that names these guardians, the courts will step in to decide who will raise your children.

3. An Estate Plan Spares Heirs a Big Tax Bite Estate planning is all about protecting your loved ones, which means in part giving them protection from the Internal Revenue Service (IRS). Essential to estate planning is transferring assets to heirs with an eye toward creating the smallest possible tax burden for them. Even just a bit of estate planning can enable couples to reduce much or even all of their federal and state estate taxes and state inheritance taxes. There are also ways to decrease the income tax beneficiaries might have to pay. Without a plan, the amount that your heirs will owe Uncle Sam could be quite a lot.

4. An Estate Plan Eliminates Family Messes We’ve all heard the horror stories. Someone with money dies and the war between family members begins. One sibling may think they deserve more than another, or one sibling may think they should be in charge of the finances even though they’re notorious for racking up debt. Such squabbling can get ugly and end up in court, with family members pitted against one another. Stopping fights before they start is yet another reason why an estate plan is necessary. This will enable you to choose who controls your finances and assets if you become mentally incapacitated or after you die and will go a long way toward quelling any family strife and ensuring that your assets are handled in the way that you intended. It also will help you make individualized plans, if necessary—to arrange for a child with health problems or to set up a trust for one who might be better off not inheriting a lump sum. It can also help you give more to the child who did most of the work of caring for you in your later years or less to the one whose extensive education you funded while paying far less for their siblings.

Deciding whether to divide your estate exactly equally is one of the key tasks you need to think through. And, of course, if you’ve had more than one spouse—or have children from more than one family—an estate plan is urgent. If you want your assets and your loved ones protected when you can no longer do it, you will need a Provo estate attorney.

Free Initial Consultation with Lawyer

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

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About Provo Utah

Provo, Utah

  From Wikipedia, the free encyclopedia

  Provo, Utah

City

City of Provo

Downtown Provo

Flag

Motto: 

“Welcome Home”

Location within Utah County

Provo

Location within Utah

Show map of UtahShow map of the United StatesShow all

Coordinates: 40°14′40″N 111°39′39″WCoordinates: 40°14′40″N 111°39′39″W Country  United States State  Utah County Utah Founded 1849 Incorporated April 1850 Named for Étienne Provost[1] Government

   • Type Strong mayor  • Mayor Michelle Kaufusi (R)  • Council Chair David Harding Area

[2]

 • City 44.19 sq mi (114.44 km2)  • Land 41.69 sq mi (107.97 km2)  • Water 2.50 sq mi (6.47 km2) Elevation

  4,551 ft (1,387 m) Population

 (2020)[3][4]

 • City 115,162  • Density 2,762.34/sq mi (1,066.61/km2)  • Metro

  620,000 Time zone UTC−7 (Mountain (MST))  • Summer (DST) UTC−6 (MDT) ZIP Codes

84601-84606

Area codes 385, 801 FIPS code 49-62470[5] GNIS ID 1444661[6] Website www.provo.org

Provo (/ˈproʊvoʊ/ PROH-voh) is the fourth-largest city in Utah, United States. It is 43 miles (69 km) south of Salt Lake City along the Wasatch Front. Provo is the largest city and county seat of Utah County and is home to Brigham Young University (BYU).[7]

Provo lies between the cities of Orem to the north and Springville to the south. With a population at the 2020 census of 115,162.[3] Provo is the principal city in the Provo-Orem metropolitan area, which had a population of 526,810 at the 2010 census.[8] It is Utah’s second-largest metropolitan area after Salt Lake City.

Provo is the home to Brigham Young University, a private higher education institution operated by The Church of Jesus Christ of Latter-day Saints (LDS Church). Provo also has the LDS Church’s largest Missionary Training Center (MTC). The city is a focus area for technology development in Utah, with several billion-dollar startups.[9] The city’s Peaks Ice Arena was a venue for the Salt Lake City Winter Olympics in 2002. Sundance Resort is 13 miles (21 km) northeast, up Provo Canyon.

In 2015, Forbes cited Provo among the “Best Small And Medium-Size Cities For Jobs,”[10] and the Bureau of Labor Statistics found Utah County had the year’s highest job growth.[11] In 2013, Forbes ranked Provo the No. 2 city on its list of Best Places for Business and Careers.[12] Provo was ranked first for community optimism (2012)[13] and first in health/well-being (2014).[14]

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Insurance Marketing Letters Examples

If you are an insurance agent, you need to be able to market your products effectively. One of the best ways to do that is by sending letters out to prospective clients. These letters can help you build a relationship with your new customers and get them to trust your services right away.

Use these insurance marketing letters examples to improve your marketing strategy and increase the number of leads that you receive. The first step is to understand your target audience and tailor your campaign to meet their specific needs.

Your letter should also focus on the benefits of your services and how you can make their life easier by offering a range of personalized insurance options. Be sure to include a strong call to action that allows prospects to contact you for more information.

When writing your sales letter, it’s important to keep the tone of your letter professional and friendly. Using too many hard-selling phrases can turn off potential clients and make them feel like they are being sold to.

The opening of your letter should be very personal and explain that you are a trusted adviser who can provide customized solutions to your customers’ insurance needs. It should also introduce your company and establish that you have a deep understanding of the insurance industry.

Using this free insurance marketing letter sample is a good way to start developing your writing skills and preparing for an interview. By tailoring your letter to the job description, you can focus on your strengths and experience.

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[lifeinsurancechandigarh]

LIC Agent Exam

The LIC (Life Insurance Corporation of India) Agent Exam is a competitive exam conducted by the LIC to recruit candidates as agents for selling their insurance policies. The exam aims to assess the candidate's knowledge of insurance products, salesmanship, and other related skills.

Here are some key points about the LIC Agent Exam:

Eligibility Criteria: To be eligible for the LIC Agent Exam, the candidate must have completed at least 18 years of age and should have passed 10th standard or equivalent examination.

Exam Pattern: The LIC Agent Exam consists of two papers - Paper I and Paper II. Paper I is a multiple-choice test that covers topics such as insurance products, selling techniques, and general knowledge. Paper II is a descriptive test that assesses the candidate's writing skills.

Exam Duration: The LIC Agent Exam is usually conducted in one day, and the total duration of the exam is two hours and thirty minutes.

Passing Criteria: To pass the LIC Agent Exam, the candidate needs to score a minimum of 50% marks in each paper separately and an aggregate of 60% marks in both papers combined.

Training: After passing the LIC Agent Exam, the candidate needs to undergo a mandatory training program of 50 hours, which includes classroom training, fieldwork, and an online examination.

License: Once the candidate completes the training program and passes the online examination, he/she will be issued a license to work as an LIC agent.

Becoming a LIC agent can be a good career option for those who have good communication skills, a strong network, and a passion for sales. The job of a LIC agent is to sell insurance policies to people and earn a commission on the sales. As a LIC agent, one can earn a decent income and also contribute to the financial security of their clients.

[insurancemailletter]

Insurance Sales Cover Letter

An insurance sales cover letter is a professional document that should be sent with your resume when applying for a job in the insurance industry. It can help you stand out from other applicants and may even lead to an interview.

Insurance Sales Agents are responsible for selling insurance products to clients. They must be knowledgeable about different types of insurance and be able to identify the needs of their customers. They can also recommend apt policies that will fit their client’s requirements.

When writing an insurance sales cover letter, it’s important to tailor the document to the specific requirements listed in the job description and highlight your most relevant or exceptional qualifications. For example, if the role requires extensive sales experience, include details about your sales accomplishments.

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Insurance Sales Agent at AAA Tidewater Virginia

Insurance Sales Agent at AAA Tidewater Virginia

Full Job Description $100K+ earning potential Comprehensive benefits including pension plan Paid training Our door is open to talented sales professionals with the ambition, initiative, self-determination, strong work ethic, career dedication, and winning attitude. Your success will require you to: Source, develop leads, prospect and continually network Possess a competitive sales drive to…

[affordablepropertiesinvestment]

"Get a unit now and Build your dream house right away!"

“Get a unit now and Build your dream house right away!”

‼️Selling Lot Only- Build your Dream House and Make your own Design‼️Location: San Vicente, Liloan Cebu8mins drive from SM CITY Consolacion ✳️✳️1st Offer: 👍👍Cash or 50% DP👍Cash Preferred (para diritsu na transfer)50% DP, Balance 1 yr to paySubdivided Lot- Ready na mabalayan☑️Any house design imu e build pwede, No House Restriction basta concrete lang@720k for 80sqm@900k for 100sqm1,080,000 for…

[insuranceoryx]

Insurance Sales Agent

Job title: Insurance Sales Agent Company: Insurance Agency-Comparion Job description: Join 1,800+ Insurance Agents who enjoy the Support and Stability of a Fortune 100 Company with the flexibility… and uncapped earnings potential of an Insurance Agency. Go in Business for yourself but not by yourself! Benefits Uncapped… Expected salary: $65000 – 160000 per year Location: Fredericksburg, VA Job…

[masmika552]

Become an Insurance Provider for Life

The retail life insurance company is not an easy business to disrupt or accomplish. In the United States, in 2016, there were over 385,000 life insurance officers. By 2022, 45,900 more will go online.

It leads to America's demand for life insurance, and this highly competitive environment promotes a sick atmosphere for a new UN agency, which typically relies on sales commissions. I am similar to my insurance providers.

The burnout rate is high for insurance brokers. In the main year, the very ninetieth of the most recent agents left the company. Once extended to 5 years the velocity will rise to more than 95.

  Salaries of Life Insurance Agent

Several factors contributed to the failure of such a significant number of life insurers. The most common problem is that they literally cannot create a living. The vast majority of life insurance sales workers are direct commissions. This means no basic salary—not even a minimum wage—and no margins.

Employers are going away with this by classifying their sales reps not as employees, but as freelance contractors. As such, repairing a full week's job does not guarantee a full week's pay or minimum pay. You may work quite forty hours, however, if your health insurance agent job description is doing not build any sales, you get no check that week.

A few companies do provide their sales managers with standing staff, which comes with a small, low base remuneration and a small margin. The agents in these firms are, however, monitoring strict production quotas. Miss your monthly sales target quite once or twice, and you might be shown the door.

  Selling Life Assurance

Compared to other products and services, life insurance should be made public. Think of what happens if a carton visits a chance. First of all, he parks the recent heap that he desperately needs to alter. Next, when the employee's reckless presentation is made, he climbs behind the wheel of a brand-new automobile, takes on the new automotive smell, and admires all the gadgets and choices that his gift vehicle doesn't have. He starts it and drives it around the block, making the mental notes of a smooth, easy ride and excellent handling. All the while, the employee carries out psychological martial art from the traveller's seat, making sure that for an occasional monthly bonus, he can finish his recent automobile and upgrade to the new superior driving expertise in minutes.

Similar incidents happen regularly at timeshare resorts, boat dealerships, and high-end physical retailers. The presence of the corresponding desirable product, which the purchaser sees, touches, and feels, makes the work of the employee abundantly simpler and also, results in a direct purchase by the purchaser. Life insurance, on the other hand, does not offer such instant gratification. It does not offer any pleasure or benefit until the prospect is dead.

If you eliminate the obstacle, the next challenge is to make a way of urgency. Going away from a meeting and not signing papers almost always means that you've missed the chance forever. The shopper is also serious after they say they're going to assume it but the odds are high that they won't.

  Bright Side

Okay, right now for the wonderful news. Merchandising life insurance provides a lot of troublesome edges to look for in various occupations.

  Fast access

First of all, turning into a life insurance agent is easy. On the other side of high school certification, there is no academic need. Some states need you to require a licensing course associated with the correspondence, but frankly, it's pretty easy.

  Work viewpoints

Second, life insurance sales work is green. Webwork search sites, such as Monster.com and Craigslist, are packed with them. If your resume is announced on a website like LinkedIn, you can also be approached by businesses that are seeking to swell their agent ranks.

Since most companies include commission-based health insurance agents with no predetermined financial benefit, there is no need for incentives to curb employment. They provide work to those involved and hope that a small low share would become effective agents. Many businesses even pay you the price of your license as you sell the same number of premium greenbacks.

  The Cash

Life insurance provides by far the most significant insurance commissions. the everyday first commission for associate machine health insurance agent salary contract is 100 per cent to fifteen of the premiums. It's up to seven-membered for insurance. Life insurance normally covers 100 per cent or more of the premium. This means that if you market a policy at a $100 per month premium, you can build a full $1,200 commission policy for the primary year.

In addition to high commissions, certain life insurance agencies advance their brokers from six to twelve months of commission on a sold policy instead of producing them to take it as received. On a $100 per month policy, with a six-month advance deposit, you can collect a $600 check on the day the policy is released. The downside will arise if the program lapses within six months; if that occurs, your leader will repay the balance of your advance payment.

  Passive capital gains

Best of all as a victorious life insurance provider, you're going to create a wealth of cash down the line. In addition to the immediate commission received from merchandising the program, you can collect compensated renewal fees on the policy for as long as it is in place.

Many life insurances brokers UN companies are in operation for twenty years or additionally have ample renovation commissions planned to make a superb living without ever needing to sell a brand-new policy.

For related reading, please visit at https://www.healthinsuranceagent.com/illinois/chicago/health-insurance-agent/

[guyluxuryrealestate]

What Do You Pay at Closing When Selling a House in Palm Beach FL?

What Do You Pay at Closing When Selling a House in Palm Beach FL?

Sellers in Palm Beach FL pay around 3% of the purchase price as an estimate of closing costs. This is excluding real estate commissions. The closing costs when selling a house in Palm Beach FL include:

Documentary Stamp Taxes.

Title Search Price.

Condominium/HOA Association.

Estoppel Letter Fee.

Fee For the Title Company

Survey Costs.

Commission For both Realtors.

Let us take a look at all these costs in detail.

What are the major closing payments?

1. Documentary Stamp Taxes On The Deed

A deed is a legal document that signifies the transfer of interests. For example, quitclaim deeds and warranty deeds. A deed needs to be signed and delivered. It is not required to be recorded in public records. But buyers would want to record it for two reasons: 

●       To use as proof that the property is bought by them.

●       To provide protection against any title claims. 

The County of Palm Beach levies a tax for recording such documents in public records. This is the Documentary Stamp Tax on the deed and is mostly paid by the seller.

What is the approximate cost?

A Palm Beach county seller will be charged $0.7 for every $100 of the selling price as the documentary stamp tax. So, if you are selling a house for $200,000, you would be charged 70 cents per $100. You will be paying a total documentary stamp tax of $1400.

2. Title Search

In Florida, the seller has the responsibility of showing the buyer a clear title for his property. The title search is performed by either an attorney or the title company.

Title companies have experts who specialize in the real estate business. They help the seller in the title search for the property. The title companies receive a synopsis of the title. It contains details of the legal issues related to the property. For instance, it will show the property's liens, easements, and transfers of the deeds. A good title company will have expert professionals who can find out the history of the property. 

To buyers, a clean title to the property is mandatory. The seller must provide a clear and marketable title. If not, the buyer is free to reject the contract unless both parties agree otherwise.

What is the approximate cost?

The price of a title search includes the fee of the title company.

3. HOA/Condominium Association Estoppel Letter Fee

An estoppel letter is a mandatory legal document. It is allocated by the seller's HOA (Homeowners Association). The document outlines the financial status of the current owner. It also highlights past and current fee due balances. The letter expresses the property's debts, violations, fees, and special assessments. These are generally allotted by the HOA.  

Before giving a loan to the prospective buyer, the bank would want to if there are any debts left with the HOA. They want to know the exact amount of debt. Without the estoppel letter, the buyer cannot borrow money from the bank. 

There are three possibilities that can be seen on the estoppel letter. One, there is no debt. Two, the seller must continue to pay the debt. And, three, the debt is divided between the seller and the buyer.

What is the approximate cost?

There is no fixed charge for the estoppel letter. The prices can be different for different associations. In most cases, the range is anywhere from $0 to $500. As per the law, the estoppel letter must be provided by the association within a period of 15 days.

4. Title Fees

The title fee is the fee the seller pays for the insurance premium of the buyer’s title. It is important as it protects both the buyer and the lender in case of any problems with the title. 

There might be some problems related to the title that aren’t discovered at the time of closing. Some examples of such problems can be improper legal descriptions, forged deeds, etc. 

The Title fee acts as a cover against such problems.

What is the approximate cost?

The title fee is calculated at the rate of $5.75 per $1000 of the purchase price up to $100,000. Over $100,000, add $5 per $1,000 of purchase price up to 1 million.

5. Survey Cost

A survey of the property is done by a professional surveyor and will show the boundaries of the property.  Since it clearly defines the exact boundaries of the seller’s property lines, it’s a good idea to have it done. These costs are legally binding and professionally certified. If there are no new constructions since a previous survey, the buyer can accept an old survey also. This will save you time as well as money.  

What is the approximate cost?

The Survey cost depends upon the size, location, history and age of the property. It might also differ among locations and professionals. In most cases, it costs anywhere from $300 to $600.

6. Commission For Seller's Realtor

The fee of a realtor is one of the major factors to consider when selling a property. It is true that real estate transactions are negotiable. But, while selling your Palm Beach house, you will be paying a fixed commission to the realtor.

There are two types of realtors. First, a listing agent who is hired by the seller. The job of a listing agent is to list the seller's property (ies) to realtors that have potential buyers. Second is a buyer's realtor. Their job is to show the listed properties to potential buyers.

Realtors must be registered under a real estate brokerage. If not, they are running an illegal business. Additionally, a realtor may work both as the listing agent and the buyer's agent. So, they will be compensated for both the jobs. Also, the seller has to pay both the listing agent and the buyer's agent. The payment is derived from the property's sale price as the commission.

What is the approximate cost?

Commissions for different agents:

Listing Agent- 2.5 to 3%

Buyer's- 2.5 to 3% 

This means you will be paying around 5 or 6% commission to the realtor(s). This means, if your property is sold for $100,000, the commission will be approx. $5000-$6000.

Conclusion

Selling a house can give you some stress, especially on financial terms. That’s why knowing about the closing costs can help you. 

Do you want to sell your house in Palm Beach county? Guy DeGiacinto Luxury Real Estate can make your experience better. Contact me at 561-371-8287.

I am more than happy to provide you real estate services of the highest standards.

[twentiethcenturymoviesandtv]

Running Scared: The Story

So Running Scared is a buddy-cop movie, right?

Well, heck, you might say. If it’s a buddy-cop movie, I may as well not read the plot description.  A by-the-book cop is forced to work with a wild-card cop to catch the criminal and save the day, while learning to respect each other.  The boss gets mad at them, the car gets destroyed, they’re pulled off the case, and solve it anyway, breaking procedure in the process.

Okay, so you’re not wrong about that second half.  Got me there.  Buddy-cop films tend to not have a whole lot of variety when it comes to cliches, but then again, the same could be said of most genres.  And hey, cliches aren’t necessarily bad.

Before you write off Running Scared as just another attempt to cash in on Beverly Hills Cop, though, there are a couple of things to consider: for one thing, there’s no ‘by the book’ cop.  And these two certainly aren’t being forced to work together.  These guys?  They’re good friends.

Let’s take a look at the setup.  (Spoilers below!)

Two undercover Chicago cops, Danny Constanza (Billy Crystal) and Ray Hughes (Gregory Hines), spot two criminals they recognize: drug dealer Julio Gonzales, and one of his associates, ‘Snake’.  Gonzales, recognizing the pair, drives off before the two can investigate further, but before he does so, he gives Snake a briefcase, which Snake runs off with, and I’m sure is totally legitimate.

Danny and Ray pursue Snake to his third-floor apartment, where they threaten him with a search warrant.  And physical harm.

“Listen, Snake, here’s the situation: I have this gun here. Now I am going to take the gun out and I am going to shoot a lot of holes in the door. If you are standing in front of the door, what can I tell ya? Some of the holes are gonna be in you. Ya catching my drift, Snake?”

Snake lets them in.

The pair open his case, and discover what was so important in there: $50,000.

Unfortunately, possessing $50,000 isn’t evidence of wrongdoing in and of itself, and Danny and Ray can’t make an arrest.  Danny, having an idea, steps outside the apartment, onto the balcony, and makes an announcement to anyone in the neighborhood:

“This block is being designated a Neighborhood Watch Area. There’s a guy up here named Snake. He’s wearing garage-sale clothes and the top of his head looks like a parakeet. He also has FIFTY THOUSAND DOLLARS in small bills in a briefcase. As his neighbors, it is your responsibility to make sure there are no suspicious characters or evil perpetrators lurking in the area who would seek to do him harm. Again, FIFTY THOUSAND DOLLARS in small bills, tax free, in a briefcase right in this apartment. Which has a really cheeseball lock! You can bust your way in there, bop him on the head, take the money, nobody would know! So it’s UP TO YOU. Thanks a lot, have a good day.”

Snake, realizing the tough spot he has just been put in, punches Ray in the face so they have an excuse to book him.

While the pair take Snake to the station, they discover that the money in the briefcase belonged to Julio Gonzales.  After a few stops, one at a funeral for Danny’s aunt and the other at the scene of an apparent rooftop jump, the pair take the criminal in.

While at the station, Danny’s ex-wife, Anna, comes in to give him some news: she’s getting remarried to a dentist.  During this discussion, a lawyer comes in with a check for $40,000 for Danny, left to him by his deceased aunt.  Danny is left, presumably, with a severe case of mood whiplash, as he still clearly has feelings for Anna, and is now saddled with quite a bit of cash.

At this point, the plot decides to get going.

See, as it turns out, the ‘suicide’ from earlier wasn’t quite what it seemed.  For starters, the victim was a cop, and he didn’t die as a result of the jump.  He was drowned first.  And seeing as it’s pretty hard to die from jumping off a building after you’ve already died from drowning, the captain of the precinct puts Danny and Ray on the case to figure out who did the police officer in.

The pair decide to use Snake to get to the bottom of it, and convince him (via withholding all but $5,000 of his $50,000) to lead them to Gonzales, planning to get enough evidence to arrest him.  Snake agrees, (again, reluctantly) and leads them to the meeting place, a cargo ship.  While there, they discover that Gonzales is in possession of a box of Uzi machine guns.  During the meeting, Snake pretends that he is in danger, and Danny and Ray rush in, only to be surrounded by Gonzales’s men.  Gonzales announces that he plans to be the next godfather of Chicago, and has one of his lackeys shoot Snake.  As the guns turn on Danny and Ray, two detectives, who have been serving undercover in Gonzales’s gang, announce their identities, and after an ensuing gunfight, arrest most of the gang except Gonzales himself.  After another brief chase, Danny and Ray corner and arrest Gonzales and take him in, clearly expecting to be praised.

Back at the precinct, Captain Logan chews the pair of them out for busting the undercover operation and then needing to be rescued like rookies.  He also orders them to go on vacation.

So, they do.

To Key West, Florida, to be exact.

While they’re there, during their Good Times Montage, Danny decides to quit the force, and convinces Ray to retire as well, so they can open a bar in Key West with the money left to him by his aunt.  Ray agrees, and after their vacation, the pair return to Chicago to deliver their 30 day notice.  

They also find out that Julio Gonzales is out of prison on bail.

Enraged, the two vow to not leave the force until after they put Gonzales away for good, and set off to find him, intending to be a little more careful this time.  On top of that, however, Captain Logan has given them a new assignment: training their replacements before they go, the same two undercover officers from the previous bust.

After an incident involving Gonzales getting away again (This time with Danny and Ray’s pants), the duo are left empty handed (aside from Gonzales’s impounded car, which is towed after Ray spray-paints a no-parking zone around it).

This is probably what the captain is talking about when he tells the two cops they’re ‘training’ that he better not catch them doing anything like what Ray and Danny do.

Armed with a new and improved version of the beat-up car they’ve been driving, (including updates like bulletproof windows, which unfortunately do not roll down) Ray and Danny follow a tip from a criminal to where Gonzales is expecting a shipment of cocaine.  When they get there, however, there are already police officers on the scene, who discover a packet of cocaine estimated to be worth $3 million.  The credit for this find goes to the two undercover cops Ray and Danny are training, and the two are further irritated by the fact that Captain Logan is already treating them like they’re retired.  As the pair head off, they are stopped by a drug agent, who has examined the cocaine and determined that it’s an inferior grade, and, in all likelihood, a decoy for the real shipment.

At this news, Danny and Ray immediately head off to try to find the real shipment, and when they see Gonzales meeting with a priest and nun at customs, they assume that the drugs must be in the area.  Gonzales spots them and drives off, leaving the priest and nun at the platform.  Ray and Danny, driving their police car disguised as a taxi, pick the two up and take off after Gonzales, leading to a chase scene on railroad tracks.  In the chase, Gonzales’s vehicle is destroyed by an oncoming train, but he manages to get away.  Danny and Ray are left with the priest and nun, who they suspect of smuggling drugs inside the ceramic containers within the suitcases they carry.

At first, they appear to be wrong.  At the station, when no drugs are found within the containers, Danny and Ray apologize for being mistaken and the priest and nun are released.  However, the two discover that while there are no drugs within the containers, the ceramic containers themselves are made of pressed cocaine.  The partners get a new lead on Gonzales’s location, and head out for a stakeout.

Par the course for this film, this doesn’t go especially well either.  Gonzales has arranged a trash compactor truck to meet them there and destroy their car (with them in it) if they refuse to return his drugs for a bribe, which, of course, they do.

The pair escape through the back window in the nick of time, but they’re too late.  Gonzales is gone.  The next day, Ray and Danny take Gonzales’s impounded car out in search for him, and later that day, Anna comes to Danny’s apartment to give him an insurance policy she found, and the two have an argument about Danny’s immaturity.  

“You can’t be a kid your whole life, you’re gonna have to grow up!”

“Why? I don’t like grown ups.”

After their heated discussion, Anna leaves the building only to be kidnapped by Gonzales’s men, used as a hostage, offering a trade: Anna for the drugs.  If Danny doesn’t comply, Anna will be killed.

Lucky guy that he is, Gonzales has just hit Danny’s Berserk Button.

“If you hurt that lady, you’ll never be dead enough.”

Danny agrees to the trade, and with Ray’s help, takes the drugs from the evidence room as they prepare to take Gonzales down.  The plan shakes down like this:

Danny is going to enter the meeting place, the Illinois State Building, with the drugs while Ray sneaks in through the basement.  The two plan to arrest Gonzales after the trade, rescuing Anna in the process.

Considering the way their plans have been going so far, it’s not far off to bet that things go wrong, and sure enough, it doesn’t quite go according to plan.

The only way up from the basement turns out to be the window washing rig, which compounds Ray’s job quite a bit.  Meanwhile, during the trade, Gonzales orders one of his underlings to open fire on Danny and Anna, both in transparent elevators right next to one another.  Danny orders Anna to drop to the floor and shoots the underling as Ray enters the building, hanging from the window washing rig.  At the same time, the undercover cops the pair are training enter as well, and a shootout ensues, all set against the lovely backdrop of Christmas decorations.

Danny rescues Anna, taking her to safety before returning to the action.  He and Ray take out Gonzales, even though there’s some contention over who fired the fatal shot, Anna and Danny lovingly reunite, and the two cops decide that Chicago still needs them, and not to retire after all.

Thus ends Running Scared, competently wrapping up loose ends with a happy finale for all on the right side of the law (except for maybe the dentist Anna was going to marry).  If I were asking if this was a ‘competent’ ending, I would have nothing more to talk about.

But I’m not.

I’m asking if it’s a good ending.

Or indeed, a good movie in general.

Let’s start with that second one, actually.

Running Scared is chock full of cliches and tropes.  From the angry police chief to the car getting destroyed, it merrily tromps through its plot, checking off traditional buddy-cop story devices one by one, except for the biggie: there is no conflict between the cops themselves.  They are in total agreement in everything from procedure to their personal lives.  There is no ‘real’ arguing, there is no distrust or rivalry.  They are very close friends.

Does one subversion make for a good movie?  No, not by itself.  But the way this film emphasizes that subversion really does elevate it, in my opinion, to something special.

The story?  Not that original.  The setting?  Eh, if you wanted a good look at Chicago, you could just as easily pop in Ferris Bueller’s Day Off or The Blues Brothers.  The action?  It’s the ‘80s.  It was everywhere, and there were plenty of movies with more action than is found here.

In the case of Running Scared, the uniqueness of this film really comes from how the characters interact with the story, rather than the story itself.  Specifically Danny, who the film seems to be a little more centered on, especially during that final act.  Which seems kind of odd, considering the fact that on first glance, there really doesn’t seem to be that much character development for him, or anyone at all for that matter.  But on a closer look, it’s a little different than that.

See, the interesting thing about Danny is that his life drives the plot.  It’s his inheritance, his bar,  his ex-wife that’s been kidnapped, and his immaturity that caused the split in the first place.  Ray, as central and important as he is, mostly tags along and helps Danny out.  When it comes to the actual story, it is Danny’s relationship with both Anna and Ray that brings everything together.  It is his believable warm, easy chemistry with both characters that, in my opinion, puts this on a level comparable to, but different than, other buddy-cop films of the day.  

Once again, at first it can seem like there’s no development in the movie, and after all, isn’t character development what can make or break a film?

Absolutely.

It’s not overt, but there is a subtle shift in Danny’s behavior throughout the film as he takes more and more responsibility for his actions, acting, as it were, a little more mature.  While ending the film still largely a Deadpan Snarker Cowboy Cop (much like his partner), the kidnapping of Anna and her words to him before it happened change his attitude for the final act of the film.  He takes the situation completely seriously, arguably for the first time in the movie, and demonstrates to Anna that he can be a grown-up, especially when it concerns people he cares about.  Danny’s mildly Man-Child ways are brought up a few times in the film, about as consistently as the subplot involving his ex-wife who he clearly still cares for, his development is less about him becoming less of a wild-card cop than it is him taking responsibility and taking his job, and his life, a little more seriously.  Is it pointed out?  No, not really.  In fact, you kinda have to squint to see it.  The change is pretty subtle, and it’s a little rushed, as it takes place during the equally rushed last act of the film.  For all of its good points, the movie does have a tad of a pacing problem towards the end.

However, it does make a difference.  At the end of the story, the characters decide not to retire, to continue protecting the city.  That wouldn’t be nearly as satisfying an ending as it is had it not been for the slight changes in the protagonist, notably Danny (whose idea it was in the first place) and his increase in maturity.  Also more satisfying as a result is his reconciliation with Anna, again, not as effective if it wasn’t for the actual display of responsibility.

Back to our questions.

Is Running Scared a good movie, and does it have a good, satisfactory ending?

Very simply: Yes, to both.

Is it great?  No.  It’s by no means a work of art, but it’s not really supposed to be.  It’s supposed to be a funny buddy-cop movie, and at that, it very much succeeds.  It gives us some likable characters, a competent story, and enough chemistry and laughs to more than make up for the heap of (not inherently bad) cliches that fill the script.  In some ways, it’s very much a standard buddy-cop film.  In others, it’s just a little different, making for a combination that sets this film a little apart from the rest.

Thank you so much for reading!  If you enjoyed it, stay tuned for more articles on some of the other facets that make up Running Scared, and don’t forget that my ask box is always open for discussion, suggestion, question, or conversation.  I hope to see you in the next article.

[juanantonionino2-blog]

Insurance policy Representatives - How Does Yours Step Up? | Active Capital Reinsurance Panama

Insurance representatives can be a few of the most essential individuals you'll ever collaborate with. They will certainly assist you shield your residential property, your assets and your finances. The job of an insurance agent has the possible to save you from monetary destroy.

Active Capital Reinsurance Panama

You could undergo your whole lifetime and not require the services of an attorney. You can live as well as die and not need to utilize an accountant. However you can not stay in "the real life" without insurance coverage agents.

 Yet keep in mind ... it's YOUR duty to learn which coverages are right for you.

 Have you ever heard a story from a buddy or relative who submitted an insurance policy claim, just to learn that the protection their representative assured was not there? I listen to those stories ALL THE TIME, and also at the WORST POSSIBLE TIME ... AT ASSERTS TIME!

 I began my insurance coverage career as a representative in 1973. I maintained my representative licenses active till 1992 when I came to be an insurance coverage adjuster. During that amount of time, I sold virtually every sort of insurance policy conceivable. That provided me a deepness of experience in insurance policy sales. But every one of that experience did not make me a professional in insurance coverage. I learned threat evaluation as well as sales methods. But I do not think that I ever before had one minutes' training in how to manage a claim. When my customers had a claim, I provided the business's contact number and told them to call it in. We sometimes completed an Acord type, which is a conventional market form for filing a claim. That was all we did.

Juan Antonio Nino

The best representative is an individual who has hang around researching insurance, not an individual who is an expert in sales. The largest percent of insurance coverage agents of all types are sales individuals, not insurance specialists. Your agent may or may not be a professional in insurance coverage. You'll need to merely ask your representative what his education degree is.

 There are a great deal of schools that use levels in insurance today. In our area, the University of Georgia uses degrees in Risk Management and also Insurance Coverage. It's a quite well-respected program.

 Representatives can additionally end up being professionals in insurance by experiencing proceeding education and learning, such as the Certified Property Casualty Expert (CPCU) education and learning program. Life insurance representatives can accomplish the Licensed Life Underwriter (CLU) specialist classification. There are other classifications readily available to representatives, however those 2 are the most extensively accepted curricula.

 Representatives in the majority of states also need to finish a state-required variety of Continuing Education hrs yearly in order to keep their insurance coverage licenses. If they don't finish the hrs, the state cancels their licenses.

 A representative has a responsibility to you, called the "fiduciary task." That means that he should keep your economic wellness first in his top priorities. If a representative sells you an insurance coverage due to the fact that it has a greater payment than another plan, he has breached his fiduciary responsibility to you.

 Agents normally lug a sort of responsibility insurance policy called "Mistakes and Noninclusions" liability insurance. Mistakes and also omssions (E&O) is the insurance coverage that covers the agent's company, or the agent separately, in case a client holds the agent in charge of a service he supplied, or fell short to offer, that did not have the anticipated or guaranteed results. This shields agents and also their clerical staff from responsibility due to negligent acts, errors as well as omissions while conducting their organisation. It will safeguard the agent from issues like the following examples:

 1. loss of client information. The agent merely sheds your data, physically or online.

 2. system or software program failure. Computer at the representative's workplace collisions as well as all information is lost.

 3. irresponsible oversell. The representative sells you insurance coverage you do not need, or offers you insurance coverage limitations greater than required.

 4. claims of non-performance. This is a broad category however needs to be. This could consist of fees that an agent did not offer the appropriate policy, or the proper quantity of coverage.

 The number 4 instance above is one of the most common and most unsafe for representatives. Right here's why.

 People today have multiple insurance policy exposures, like:

 auto physical damages

 car liability

 without insurance or underinsured drivers direct exposures

 property owner physical damages

 home owner obligation

 excess liability

 businessowner physical damage

 businessowner liability

 home-based companies

 life insurance needs

 medical insurance needs

 impairment insurance policy requires

 Any type of among the direct exposures listed above can impact any of the others. They are elaborately woven with each other in each of our lives.

 Any representative doing service in the contemporary globe ought to do an insurance evaluation of any prospect's present insurance as well as his future insurance demands. To stop working to do so is an invite for a suit.

 What does this mean to you?

 First: If your agent makes promises to you about protection, as well as your insurance claim obtains denied, you can make a case against the representative's Mistakes and Noninclusions Liability plan. You may need to obtain a lawyer involved, yet that only boosts the possibility that your refuted case will certainly earn money.

 Next: In my never-to-be-humble viewpoint, ALL representatives marketing ANY kind of insurance must carry out an Insurance coverage Requirements Evaluation for the possibility BEFORE offering the plan. Furthermore, I believe that a representative ought to very carefully clarify the searchings for of the Insurance policy Requirements Analysis to the possibility BEFORE marketing the policy. As soon as the description is total, the agent ought to call for the possibility to accept the plans that are marketed, as well as approve the plans and insurance coverages that are not offered. "Authorizing off" simply means that the possibility mentions that the agent has actually discussed all coverages, as well as he either approves or turns down any kind of given coverage.

 Both celebrations. the representative as well as the policyholder ... advantage in this deal. The insurance policy holder has a full explanation of the plan he's purchasing and its partnership to all his other insurance. The agent sells the right protection, and also considerably decreases the risk of a suit or claim against his E&O protection for selling the wrong protection.

 Here's what an insurance policy analysis procedure need to look like.

 1. Personal Information Collection: get as much details about the insured as well as his member of the family as feasible.

 2. Obtain Duplicates of Existing Plans: the representative needs to actually check out the existing policies.

 3. Analyze Insurance Needs: determine the proper protections needed and the proper plan limits.

 4. Referrals: what need to be acquired as well as prices.

 5. Application and also Sign-off Evaluation: fill out the application and have the insured validate the analysis form.

 6. Provide the Plan: An agent should supply the policy in person and describe it again, not simply send you a duplicate in the mail.

 Also after all of the training and also education that any type of insurance coverage agent acquires, the representative is still not an expert in exactly how to handle an insurance case. I have actually had great deals of people tell me that they were going to get their representative to help them with their case. Later, they determined that the representative didn't know a lot more regarding the claims procedure than they did. As I composed earlier, agents can become experts, but their knowledge is usually in the sales and needs evaluation locations of insurance policy ... not cases. For most representatives, finding out the insurance claims process would certainly be a waste of their time, given that the majority of representatives are not accredited to take care of claims.

 Certain ... some representatives will be given a tiny claims negotiation authority by the business they work for. Some representatives will certainly be able to resolve cases approximately regarding $5,000.00, and afterwards only in the property side of the claim ... such as a small water loss or a theft. Yet, generally, the insurer concentrates claims managing with the insurance claims staff members and also independent insurance claims adjusters.

 One of the most vital approaches you must draw from this post are:

 1. Meeting EVERY insurance policy representative to learn their level of knowledge. Just do business with one of the most certified, educated as well as experienced agents. Let the unskilled agents practice on people who do not care concerning protecting themselves the right ways.

 2. Do not always chase after the most affordable costs. You get what you spend for. You 'd be much better served to pay a higher costs if an extremely qualified representative takes care of you. You do not drive the least expensive cars and truck you can locate, do you?

 3. Never ever be hesitant to call the Division of Insurance policy of your state if you have troubles with your representative. Representatives are regulated for a factor.