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Few personal milestones compel someone to buy life insurance coverage like becoming a parent. In the event of an untimely death, life insurance can serve as a financial safety net to ensure there's money available to pay for everything from medical bills to a home mortgage and future college education costs. Many Americans have taken steps to line up such a financial cushion. At the end of 2012, 146.2 million individual life insurance policies were in effect, with coverage totaling $11.2 trillion, according to the American Council of Life Insurers. Yet the distribution model has changed during the past few decades, and fewer Americans are relying on local financial advisers in their community to look at their overall financial situation and recommend a life insurance strategy, said Brian Bulakites, national sales manager for life insurance for Henrico County-based insurance company Genworth Financial Inc. The Internet has enabled consumers to shop more widely for insurance, but it might also cost them the face-to-face advice that can be helpful, he said. "The biggest thing we see in our industry today is that people don't have advisers," he said. "You want to find an adviser that you can build a relationship with - somebody that you can trust."

DALLAS - For years Frenchitt Collins worked as a legitimate insurance adjustor. He was able to pull off a major insurance fraud by luring in victims with ads. Ultimately Collins was sentenced to 15 years in prison and was ordered to pay $700,000 in restitution to his victims. "Those P.O. boxes were rented by him (Collins), his wife, his brothers, or his girlfriends," said Bodon. In order to attract clients with ads, he would go ahead and offer them $100 or $200 to use their identifiers. Once that information was received, Collins went ahead and completed medical forms necessary and sent them to insurance companies. The goal of these ads was to lure in more victims. Insurance companies would then send Collins checks, lots of checks. Federal officials said insurance fraud is a $30 billion business in the U.S. "It is very lucrative for the criminal to perpetrate the crime because it's low risk and it's high reward and they know that," said Fred Lohmann of the National Insurance Crime Burea.

Dyman Associates Insurance Group of Companies News: Rika onsdagar - Försäkring tips att komma ihåg Har du valt rätt försäkring för dig själv? Sarju Simaria, CFO, Edelweiss Tokio livförsäkring ger dig några punkter att tänka Försäkring är föremålet för värvning. Detta innebär att du som kund göra ett erbjudande som, i stället för en premieinbetalning, livförsäkring företaget skall vid förekomst av ett försäkringsfall (dödsfall, invaliditet eller en olycka) kopplad till ditt liv, säkra de ekonomiska behoven för din familj genom att betala dem försäkrade beloppet. Uppkomsten av någon av de ovan nämnda missöden är det viktigt att du vet hur man gör bäst av din livförsäkring. För detta behöver du: Förstå dina behov och få rätt råd Osäkerheten i liv, död, sjukdom och ålderdom stöd får inte lämnas obevakad eller avslöjats. Ekonomisk säkerhet och trygghet är okränkbart enligt situationen - oväntade nödsituationer, död eller levande för länge. Därför är det nödvändigt att du erkänna riskerna i ditt liv och vidta lämpliga åtgärder. Efter att ha erkänt riskerna, spendera tid förstå dina behov. För att göra detta, göra en bedömning av din inkomst flöde, din förbrukning, dina nuvarande och framtida förpliktelser vis-à-vis din livsstil. När det är gjort, konsultera en försäkring rådgivare, en person som du kan lita på och som kan erbjuda dig ärliga råd. Vara ärlig med din försäkring rådgivare Vara ärlig med din försäkring rådgivare om dina risker, dina behov, din ekonomiska bedömning och dina ambitioner. Utvärdera produktalternativ och funktioner, och att dina behov är uppfyllda från hans / hennes propositioner. Få full förståels

If a tree falls in your yard, your insurance agent might not hear it. You probably bought your home policy years ago, then stuffed it in a file somewhere. Will it be there for you when you need it? Here's how to protect yourself: 1. You'll probably have to fight to get a big claim paid. Homeowners who suffer a loss of $30,000 or more get the most pushback from their insurers over damages, coverage and slow payouts, ShopSmart's recent survey data shows. But the coverage of huge losses is exactly why you buy home insurance. Protect yourself. You can cut your odds of a fight by doing business with an insurer that pays its claims. The best carriers for claim-payment satisfaction are Amica, Auto-Owners and USAA, according to the most recent Consumer Reports National Research Center survey of 9,905 subscribers who filed homeowner claims from 2010 through the first six months of 2013. Continue Reading