Yes you need E&O Insurance

Very important in today's litigious world that every advisor have the proper E&O Insurance coverage in place. Not only the proper coverage but the right limits to protect you, your business and other concerns. Some Life Insurance carriers may not even appoint you if you do not provide proof of current coverage and limits.

clipped from lifeinsurance-pros.com Provide a Service? Then You Need E&O Insurance Coverage In today’s world, numerous entrepreneurs employ errors and omissions (E&O) insurance. Such coverage is for any person which provides direction, makes well-informed advice, comes up with answers or stands for other people’s needs like inspectors, lawyers, graphic artists, software developers, and instructors. No matter how hard you try, you can make mistakes on occasion because, as an owner, you cannot carefully watch every undertaking that isn’t in your personal control. This type of coverage covers your mistakes and of your personnel and independent service providers you employ.

ING Reliastar Life Insurance Contact Information

ING Reliastar Life Insurance Company continues to bring excellent Term Life Insurance and Permanent Life Insurance products to the market.  Even in these troubled economic times they are one of the largest players in the life insurance industry. 

See below for contact information for the various life insurance departments of ING Reliastar Life Insurance company...

ING Financial Services | Locations (Affiliates)

ReliaStar Life Insurance Company

20 Washington Avenue South
Minneapolis, MN 55401
Tel. 877.886.5050
Fax. 612.372.5339
Website: www.ing.com/us/lifeinsurance

ReliaStar Life Insurance Company of New York

1000 Woodbury Road
Suite 208
Woodbury, NY 11797
Tel. 800.626.2286
Website: www.ing.com/us/lifeinsurance

Security Life Of Denver Insurance Company

1290 Broadway
Denver, CO 80203-5699
Tel. 877.253.5050
Fax. 877.275.3329
Website: www.ing.com/us/lifeinsurance

Also:

1475 Dunwoody Drive
West Chester, PA 19380
Tel. 800.325.3792
Fax. 610.425.3902
Website: www.ing.com/us/lifeinsurance

Hopefully you find this information useful in your search for quality and affordable term life insurance. 

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Why does Life Insurance Underwriting take so long

Life Insurance Underwriting can be one of the longest underwriting processes in the whole insurance realm. The reason for this is due to many factors but primarily is due to the time it takes to obtain the medical records from your Doctor, read below...

clipped from www.lifeinsurance-pros.com Life Insurance Underwriting In the Life Insurance Underwriting Process many applicants get very frustrated over the fact that it can take months to get a decision from the carrier. The reason for this is primarily it can take a while to obtain the medical records from your Doctor or Health Care provider. It has even got worse with the new HIPPA laws protecting insured's privacy, so many Doctors now require their own HIPPA form signed by the insured along with the carriers HIPPA or Authorization form and then sometimes the General Agent's own HIPPA form. Factors that affect life insurance underwriting: Your current health and your lifestyle can affect your premiums health factors such as: cholesterol, blood pressure, build (height and weight), family history of cancer and heart disease, and driving record.

Life Insurance Underwriting Guide

Great article on the factors and issues that will arise when applying for life insurance. These are some of the most important items to watch for and discuss with your agent or broker. Identifying any issues up front can give you a better idea of what rate class you may be placed in and what your premiums may end up being.

clipped from law.freeadvice.com What factors are considered in individual life insurance underwriting? Life insurance companies each have their own extensive policy and procedure manuals they are supposed to follow in determining whether or not to issue an Individual Life insurance policy, and in pricing that policy. The insurer's underwriters typically use a combination of factors that experience shows equates with the risk of death (and premature death).

How is Life Insurance used in Estate Planning

I'm going to be doing a little bit more concentration on the use of Life Insurance in Estate Planning. Really how long can the financial mess last, so I will need to focus on other topics. Estate Planning is at the core existence of Life Insurance. To provide liquidity for beneficiaries of the deceased. Good article below...

clipped from www.fedsmith.com Life Insurance is Essential in Estate Planning Estate planning is how you make sure that your assets – your lifetime accumulations – pass to your heirs in a manner of your design. It's how you make sure your family is secure, and your assets end up where you want them. It's taking care of your family, your business – whatever is important to you. Proper estate planning, whether through a will or some other vehicle, will make sure you, and not the state, decide where and how your assets are distributed after your death. Life insurance can give you options that make your planning an easier process. There are two basic ways in which life insurance can assist in your estate planning: There are more advanced uses of life insurance, many of which are geared toward business owners. Some of those examples follow: Credit Enhancement – Life insurance is often used to stabilize a business concern's financial position and serves as a valuable asset to pledge as collateral.

AIG's Reputation and Brand Tarnished beyond repair

Image by Mike Licht, NotionsCapital.com via Flickr

In the Insurance world your image and brand is just as important as the financial stability and claims paying ability of the carrier.  AIG Insurance Company and their brand has been so tarnished from their eventual collapse to Executive retreat's trips and now bonuses, it will be a miracle if the company can recover and ever sell off it's assets to repay the American public. 

Read the New York Times article...



A.I.G.’s Essential Asset, Its Brand, Is Tarnished - NYTimes.com

The government’s fourth round of assistance to the American International Group this month was a play for time — for languishing markets to rebound, for pockets to fill up again and for buyers to emerge for the sturdy insurance companies under A.I.G.’s tattered corporate umbrella.

Only when those insurance companies are sold will there be money to repay American taxpayers.

But after the latest uproar, time does not look like A.I.G.’s friend. The problem now is not a toxic spiral of derivatives like the one that crippled the company last fall, but the damage done to A.I.G.’s brand, first by the financial troubles and then by the recent wave of hearings, subpoenas, late-night television jokes and even a bus tour past executives’ homes.

“Why would we do business with a company that’s constantly in the news, even if the ratings are still supposedly O.K.?” wondered Greg Theis, a financial planner with Legacy Investment Services in Homer Glen, Ill. He helps 55-to-70-year-olds select variable annuities from a bewildering array of carriers.

Let's hope that we can at least end up getting a part of our tax money back from the sale of the companies assets.  The Life Insurance Division of AIG is at least strong and should be able to be sold off for a nice chunk of change.

How to find an Insurance Agent in Idaho

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Great post on how to find an Idaho Insurance Agent...

Life Insurance Guide 101

How to find Insurance agent's in Idaho

Are you trying to find a good reputable Insurance Agent in Idaho? Idaho residents are hungry for at least a couple of good resources to help them find the best Idaho Agent for their insurance needs and reviews.

Great online directory of Independent Idaho Insurance Agents

Independent Insurance Agents & Brokers of Idaho

Idaho Insurance Agency

http://goidahoinsurance.com

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