Coverage Review Letter

Dear [NAME],

Isn’t it amazing how quickly things change? Our family grows larger or smaller over the years, and the size of our home usually changes with it. It seems we’re always renovating, moving, upsizing, or downscaling to meet our needs. We buy new things, replace the old with the new, or sometimes add those well-deserved little luxuries along the way.

It can be easy to forget one of the most important things to consider as our lives, property, and possessions continue to change. Your insurance coverage should change and grow with you whenever these life events happen. Whether you’ve upgraded your computer, bought a new camera, or changed neighborhoods, it may be time to review your current policy.

Let us help make those insurance decisions with you with a complimentary policy review. We promise to make it as easy and convenient as possible. Call us today for an appointment at [PHONE]. It could be one of the best moves you’ll make this year!




Thank You For
Your Inquiry Letter

Dear [NAME],

Many thanks for expressing an interest in my services. I realize there are numerous agents you might have chosen so I greatly appreciate the opportunity to fulfill your insurance needs. I would consider working with you to achieve your goals both an honor and a privilege.

Feel free to contact me anytime at [PHONE], or visit my Web site at [WEB ADDRESS] for more information.

I truly look forward to fulfilling all of your insurance needs!




Life Insurance
Prospecting Letter

Dear [NAME],

One of the best things about life insurance is the way that it offers something that is very hard to find: peace of mind.

Life insurance enables you to live your life to the fullest without worrying about whether or not your loved ones will have the financial security they need in the future. You will know with certainty that they will be cared for and protected from any future financial difficulties that may arise.

Financial security for one’s family is an immense gift indeed—and yet it is so much simpler to attain than most people realize. The key to acquiring this success and peace of mind is to establish an excellent life insurance policy that is perfectly attuned to the needs of your family.

I can help—as an established insurance agent with [YEARS] years of experience, my goal is to provide each and every one of my clients with a tailor-made policy that perfectly suits his or her needs.

You deserve the peace of mind that a good policy can afford, and so do your loved ones. Why not visit my Web site [WEB ADDRESS] or give me a call today at [PHONE] to discuss your options? There’s no obligation to buy. I just want to show you how I can help.




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A Step By Step Guide To Your Auto Claim
Buying Auto Insurance Online
Common Auto Insurance Discounts And How To Qualify
Do You Need An Auto Insurance Agent
Do You Need Gap Insurance For Your New Car
How To Compare Auto Insurance Quotes
How Will An Accident Affect My Auto Insurance Rates
Insuring Your Teenager – Tips And Tricks For Saving Money
Shopping For Car Insurance 101
The Top Factors Affecting Auto Rates
The Top Mistakes When Choosing Auto Insurance
Tips For Lower Rates Without Sacrificing Coverage
Tips To Protecting Your Self From Insurance Premium Hikes
Understanding How Auto Insurance Premiums Work
Understanding Your Auto Coverage
What Is Minimum Coverage And Do I Need More
Why A Lapse In Coverage Can Have Serious Results
Why Does My Credit Score Affect My Auto Insurance Rates

(Auto) Do You Need A Commercial Auto Policy
(Auto) Keeping Your Commercial Auto Policy Affordable
(Auto) Who And What Is Covered Under Your Commercial Auto Policy
(Employment Practices Liability) What Is EPL Coverage
(Employment Practices Liability) Why You Need EPL
(General Liability) Choosing Liability Coverage For Your Business
(General Liability) How Much General Liability Coverage Do You Need
(Health) Balancing The Costs Of Health Insurance For Your Employees
(Health) Should Your Company’s Health Plan Be Self-Insured
(Product Liability) How Much Product Liability Coverage Is Enough
(Product Liability) Why You Need Product Liability Coverage
(Professional Liability) Protect Yourself With Professional Liability Insurance
(Professional Liability) The Right Professional Liability Coverage For You
(Property) Business Property Insurance – Are You Covered
(Property) Property Coverage – Protecting The Nuts And Bolts Of Your Business
(Workers Comp) Protecting Your People With Workers Comp
(Workers Comp) The Legal Side To Workers Comp

(Business Overhead Expense Disability) What Does BOED Cover
(Business Overhead Expense Disability) Why You Need BOED Insurance
(Disability Income) How Much Disability Income Insurance Do You Need
(Disability Income) Why You Need A Private Disability Income Policy
(General Disability) Disability – Are You Really Covered
(General Disability) Protect Yourself With Disability Insurance
(General Disability) Types Of Disability Insurance
(Long-Term Disability) The Most Important Policy Most People Don’t Have
(Long-Term Disability) What It Covers And Why You Need It
(Mortgage Disability) How Much Coverage Do You Need To Protect Your Home
(Mortgage Disability) Keep Your Home With Mortgage Disability Insurance
(Short-Term Disability) Coverage For Short-Term Disability
(Short-Term Disability) What You Need Verses What Your Employer Offers

(Asset Allocation Mutual Fund) Investing For Your Future
(Asset Allocation Mutual Fund) Types Of Asset Allocation Mutual Funds
(Bond Mutual Fund) Bond Mutual Funds – Are They Right For You
(Bond Mutual Fund) Types Of Bond Mutual Funds
(Fixed Annuity) The Basics Of Fixed Annuities
(Fixed Annuity) Types Of Fixed Annuity Products
(Indexed Annuity) Is An Indexed Annuity Right For You
(Indexed Annuity) What Is An Indexed Annuity
(Money Market Mutual Fund) Investing In Money Market Mutual Funds
(Money Market Mutual Fund) Types Of Money Market Mutual Funds
(Roth IRA) Roth IRA Annuities
(Roth IRA) Securing Your Financial Future With A Roth IRA
(Simple IRA) Is A Simple IRA Right For You
(Simple IRA) Understanding A Simple IRA
(Stock Mutual Fund) Stock Mutual Fund Investments
(Stock Mutual Fund) The Different Types Of Stock Mutual Funds
(Traditional IRA) Pros And Cons Of A Traditional IRA
(Traditional IRA) How Traditional IRAs Work
(Variable Annuity) Choosing Variable Annuities For Your Financial Future
(Variable Annuity) Variable Annuities – What They Are And How They Work

Choosing A Dental Plan That Fits Your Family
Choosing The Prescription Drug Plan That Is Right For You
Choosing The Right Health Insurance For You And Your Family
Figuring Out How Much Coverage You Need
Finding The Right Health Insurance Policy
Health Insurance For Families
Health Insurance For Singles
HMOs Verses PPOs – Understanding Your Options In Health Insurance
How Much Does Health Insurance Really Cost
How Much Will Your Policy Really Cost
How To Handle A Claim’s Dispute
How To Shop For Health Insurance
Important Health Insurance Terms To Know
Making Changes To Your Health Plan
The Difference Between HMO And PPO Health Plans
What Does Medicaid Cover And Is It Enough
What Health Insurance Doesn’t Cover
What Is A Health Savings Account And How Does It Work
What To Do When You Lose Your Health Insurance Because Of A Layoff
Why Is My Prescription So Expensive

Buying Home Insurance For Your Condo
Combining Insurances To Save Money
Covering Your Personal Property
Do You Need Disaster Insurance For Your Home
Do You Need Home Insurance As A Renter
Ensuring Your Homeowners Insurance Is Up To Date
Force-Placed Homeowners Insurance And How To Avoid It
Home-Based Businesses – Including Your Business In Your Home Insurance
How Homeowners Insurance Values Your Property
How Much Home Insurance Do I Really Need
How To Shop For Homeowners Insurance
How Your Homeowners Policy Protects You From Lawsuits
Keeping Good Records For Insurance
Protecting Your Home From Loss Due To Thief
The Top Things You Didn’t Know About Your Homeowners Insurance
Tips and Tricks To Saving Money On Your Home Insurance
Using Your Home Insurance As A Tax Deduction
What Most Homeowners Insurance Doesn’t Cover
When To File A Home Insurance Claim 1
When To File A Home Insurance Claim 2

Choosing Your Life Insurance Policy Beneficiaries
Factors Affecting Life Insurance Premiums And Qualification
How Much Life Insurance Do You Need
How Much Will Your Policy Really Cost
Life Insurance – Advance Directives And Your Will
Life Insurance and Annuity Investments – Choosing The Right Balance For You
Life Insurance And Major Life Changes
Life Insurance And Retirement – Re-evaluating Your Policy
Should You Buy Life Insurance For Your Child
The Two Main Types Of Life Insurance
Tips For Choosing A Life Insurance Policy
Understanding The Different Types Of Life Insurance Policies
Universal Life Insurance And Cash Accumulation
What Is Covered In A Life Insurance Medical Exam
What Is Term Life Insurance And Is it Right For Me
What Term Length Is Right For Me
What To Expect On Your Life Insurance Medical Exam
When Should I Buy Life Insurance
Why You Can’t Afford Not To Have Life Insurance
Why You Shouldn’t Wait To Get Life Insurance

Auto Insurance Article

Do You Need An Auto Insurance Agent?

Many insurance companies today don’t sell their policies through agents, but directly from the company either online or over the phone. It might seem that having an agent to help you purchase auto insurance is a thing of the past, but don’t discount the insurance agent just yet. There are some very good reasons to consider using an insurance agent for your auto policy purchase.

Agents Know Their Products

Many of the customer service representatives who handle the phones at large insurance companies know the basics of auto insurance policies, enough to help you select and purchase one. But insurance agents, especially those who have been around for a while, understand a lot more about coverage and policy limits. They can share with you a wealth of knowledge that will ensure you not only get the right policy, but the best rate and a good understanding of what you are paying for. An agent will help you select the best possible coverage limits to fit your needs.

Agents Are On Your Side

If the day comes when you need to file a claim, it’s always good to have someone who is truly on your side. Especially in a complicated claim, your agent can walk you through the process and be there to answer all your questions. An agent is also there to step in when there are disagreements with the adjuster or other involved parties at the insurance company. Because your agent knows all about the policy and how the claims process works, they will better be able to negotiate and discuss claims issues with your adjuster.

Agents Keep Your Policy Accurate

A good agent will take the time to review your policy regularly and make sure that everything is accurate and you are still carrying the coverage you need. An agent knows when changes in your life might affect your insurance coverage needs, such as a marriage or a child reaching driving age. Large insurance companies simply can’t provide that level of personal attention.

Are Agents More Expensive?

There is a general view that an insurance policy purchased through an agent will cost more than one purchased directly. That isn’t necessarily true. The best rate for you may well be one from an agency, so don’t discount quotes from agents when you are shopping for car insurance. You might get the best rate along with the service an agent can provide.

You might not feel that you need an agent for your auto insurance, but there are certainly some very good reasons to take the time to meet with a few and see if it turns out to be right for you.

Health Insurance Article

The Difference Between
HMO And PPO Health Plans

When you are shopping for a health plan, you will run into two main categories: HMO and PPO. These two different methods of managing your health care each have their own pros and cons, and it’s important to know the differences before you make a decision as to which type of plan you would like to sign up for.

Health Maintenance Organization (HMO)

An HMO is a type of managed health care program in which all services are provided by the main HMO company, and only doctors who are members can provide you with care. Under an HMO plan, you will be required to select a primary care physician who will be in charge of your health care. All referrals to specialists will be made through this primary doctor, and only to other doctors who are also a part of the HMO.

HMO coverage is often more affordable, with lower monthly premiums, lower co-pays, and lower out of pocket costs overall. The downside, however, is that you are limited to the doctors who are members of the HMO, and any doctor you see outside this group will not be covered at all, except in an emergency situation. You will also have to rely on your primary care physician for everything, and can’t see a specialist without a referral.

Preferred Provider Organization (PPO)

A PPO is a health care plan that allows quite a bit more freedom that an HMO can offer. Doctors fall into two categories: in-network and out-of-network. An in-network doctor, also called a participating provider, will be covered at a higher rate than a doctor who is not a member of the PPO. Unlike an HMO, however, a PPO plan will cover any out-of-network doctor or service, albeit at a lower rate than the in-network allowance.

PPO plans don’t usually require a referral from a primary care physician in order to see a specialist. You can make an appointment with any doctor you choose at any time, bearing in mind only that you will pay more out of pocket if the doctor is not a participating provider. A PPO plan is usually quite a bit more expensive than an HMO, but gives you much more freedom. Co-pays and co-insurance amounts may be higher, with higher premiums as well.

How To Choose

Whether you choose an HMO or a PPO depends on your needs as well as your family’s health care requirements. If having your choice of doctors is less important to you than affordable monthly premiums, an HMO might be a great choice. If you value the freedom to choose and don’t mind paying more for the privilege, look at a PPO. You should be sure to compare the actual coverage on each policy before making a decision. What is covered is just as important as the type of plan.

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