Insurance, Fear Of The Unknown
Copyright 2006 Karl Stadler
Now why in the world do we need insurance?
Back in the good old days when the earth was still flat and we were all living in the same time zone you would have had little knowledge of insurance except for maybe leaving something as insurance for a loan you made.
There is nothing wrong with the concept of insurance, it most certainly has its value in the bigger picture of things.
What is wrong is the way in which many people are bulldozed into signing for insurance policies that they don't really need or which will not be able to tend their needs once they need it.
As there are many first-class insurance companies out there, there are also the few that are just out to make a quick buck from you creating never ending problems.
Many people spend a large portion of their income on insurance, health, car, household and life to name but a few. There are many others policies that the insurance companies have invented to tend for other events that might occur.
All insurance is hedged against a bet. Unmistakably based on our inherent fear, which is also the sales mechanism for selling insurance.
There is always a fear of the unknown, there where you have not been and for that matter don't want to go to either. The insurance agent will take you there and explain what it is like and make the fear almost unbearable.
Picture this scenario, you and your wife are sitting in the dining room and directly opposite you is the insurance agent.
He is sitting forward and telling you the story of this unfortunate family who failed to take out insurance the day he was there and before they could sign the contracts the unthinkable happened, and now they are stranded with nowhere to go.
You don't want this to happen to you. This is followed by one or two stories of people, and there are pictures to prove this, who did take out insurance in the nick of time. Your heart goes out to that poor family who now face hardship and turmoil and you are glad for the other families who are now able to make it and move on.
The picture painted in your mind plays with your fear of not knowing what will happen tomorrow and you certainly don't want something like that happening to you without being prepared.
The agent explains all the benefits you will have if you take out this policy now, and in light of what you have just heard and witnessed with pictures, it not only seems like a good idea, it is an absolute necessity.
The insurance agent then looks at you and your wife waiting for an answer, he does not speak and there is an odd silence. You ask about one or two points, he explains each one perfectly and asks if you have any further questions. You answer no, simply because you actually don't know any better.
He hands you the contract and a pen.
This is nothing more than pure sales, the pitch, overcoming objections and closing the sale.
Yes you can cancel the contract later but this process will probably end up taking an entire day of your time and endless irritation.
The strange thing though is that you are the one betting that something will happen to you, you believe it. The insurance company on the other hand are betting that it will not happen.
This is quite logical if you think of it, how otherwise would the insurance company make a profit? Whether you believe it or not, they are in business to make a profit, as is any other business. So there is nothing wrong with it.
Where you need to be careful however is buying your insurance with emotion. Now this is a contradiction in terms because all purchases are made based on emotion, you might think there is logic involved, but it is a very tiny percentage.
Never sign immediately, take a day or so to review and let your emotions settle, then make the final decision. Also give yourself time to go through the written material, the fine print, very fine print and very very fine print.
It is a major pain in the you know where, but it will give you a good indication of what you will not be getting.
Speak to the agent again and clarify all the points you are uncomfortable with and make sure that the policy you are considering is made for you.
Remember fear of the unknown is your biggest enemy. You will not conquer that fear but take time to make you decisions carefully when buying insurance of any kind and don't get bulldozed into signing a contract that will end up being of no or little value the day you really need it to come through.
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For a new life in the new year, take action!
Stuck? Wondering what to do about finding a job, a relationship or a new home? Don't get caught in the self-analysis trap: months, days and even years of "thinking." I've met dozens of people who think "getting free" begins with an armchair, a self-help book and a beer.Action creates energy. Have you ever spent a whole day driving? Lying on the couch with a book and a heavy-duty remote control? At the end of the day you're exhausted. Action fuels thought. You can sit on a couch all day with the self-help book, but how will you complete the exercises? The world looks different as you sit in your living room. When you get off the couch and face the outside world, your answers will change.
Action is a test of your readiness to change. Are you thinking of hiring a coach or counselor? Before you pick up the phone, take some small action on your own. Get a list of articles from the library or web. Make some phone calls. Are you moving? That's a good sign.Want to change? Do something...
For a new life in the new year, take action!
Life insurance > For a new life in the new year, take action!
7 Things You Need to Know About Gastric Bypass Surgery
For millions of obese people through out the world, gastric bypass surgery is an option that is available to improve their lives. If you are one of these people, you may have heard conflicting reports as to what the criteria to have the surgery performed, what is involved or what happens after the hospital stay. The following information will answer many questions you may have.
1- Gastric bypass surgery is approved for people with a body mass index (BMI) of 40 or above. For most women this is about 80 pounds over weight and for most men, 100 pounds. However, if there are serious weight related health issues involved, the BMI requirements can be lowered to 35.
2- Gastric bypass surgery essentially creates a new stomach pouch.
This pouch holds a quarter of the food that a full size stomach can, a cup as compared to a quart. The type of procedure you opt for will determine how the pouch is created, as well as any effects on the flow of food into the...
7 Things You Need to Know About Gastric Bypass Surgery
Life insurance > 7 Things You Need to Know About Gastric Bypass Surgery
Annuity Owner Mistakes
Okay, so I can tell you I have sat in front of countless numbers of people who have made mistakes when purchasing and owning annuities. And I have visited people who wish they never got involved in an annuity. And I have seen people who say that their annuity is their worst nightmare...So what is it that makes the annuity such a bad thing for some people and such a great vehicle for others??? Well I am about to tell you...and it all goes back to the annuity owners biggest MISTAKE. Yes, not mistakes but mistake.Let me explain to you. Most annuity and insurance agents out there have what is called their "best product." IT is the product that can supposedly solve every investment need for any investor.
And they make it sound so good that when someone is shopping for annuities, they ask the salesperson, "what is the best annuity?" and this is the biggest mistake. For all you know, the best annuity to the salesperson may be the one that pays the best commission to him. This question...
Annuity Owner Mistakes
Life insurance > Annuity Owner Mistakes
Health Insurance in Utah - Free Instant Online Quotes for Utah Residents
Health Insurance in Utah is your source for Utah health insurance quotes and information.HealthInsuranceinUtah.com offers free instant online quotes, according to your age and family status.
Brochures for each insurer are available for immediate download, as well as applications and plan comparisons.
Brochures, provider directories, applications, and comparisons can also be provided by fax, email, or US mail.HealthInsuranceinUtah.com works with Regence Blue Cross Blue Shield of Utah, Intermountain Health Care, and Altius Health Plans.
Dental benefits are also offered through Dental Select.
Each of these insurers have a proven track record and a strong financial rating.
Each insurer has a local office in Salt Lake City, Utah.
HealthInsuranceinUtah.com is maintained by Jared Balis of Sentry West Insurance Services.
Jared specializes in individual and family health insurance, as well as group health insurance for small businesses.
Life insurance > Health Insurance in Utah - Free Instant Online Quotes for Utah Residents
Health Insurance in Utah - Free Instant Online Quotes for Utah Residents
Health Insurance in Utah is your source for Utah health insurance quotes and information.HealthInsuranceinUtah.com offers free instant online quotes, according to your age and family status.
Brochures for each insurer are available for immediate download, as well as applications and plan comparisons.
Brochures, provider directories, applications, and comparisons can also be provided by fax, email, or US mail.HealthInsuranceinUtah.com works with Regence Blue Cross Blue Shield of Utah, Intermountain Health Care, and Altius Health Plans.
Dental benefits are also offered through Dental Select.
Each of these insurers have a proven track record and a strong financial rating.
Each insurer has a local office in Salt Lake City, Utah.
HealthInsuranceinUtah.com is maintained by Jared Balis of Sentry West Insurance Services.
Jared specializes in individual and family health insurance, as well as group health insurance for small businesses.
Life insurance > Health Insurance in Utah - Free Instant Online Quotes for Utah Residents
Felten & Associates Insurance Agency, Located in Vero Beach, Florida, Announces their Hurricane Wilma planning
(ContentDesk) October 23, 2005 -- Felten & Associates insurance agency, located in Vero Beach, Florida, announces their Hurricane Wilma planning.Office Location:Felten & Associates is headquartered on Vero's barrier island at 2911 Cardinal Drive in Vero Beach, Florida. Depending on the final track and damage caused by Hurricane Wilma, it is possible that the Felten & Associates team will need to relocate their office temporarily. Felten & Associates expects to be open for business as soon as possible following the storm to process claims.
If they are unable to access their office on the barrier island for a short period of time after the storm, they will have a mobile claims unit in place in the parking lot at the McDonald's restaurant located at 1925 S. US Hwy 1, Vero Beach (across from Blockbuster).
Contact Information:Felten & Associates may normally be reached at (772) 231-2828.
If their normal telephone lines are unavailable, claims may be processed by...
Life insurance > Felten & Associates Insurance Agency, Located in Vero Beach, Florida, Announces their Hurricane Wilma planning
The Life-Saving Potential of Your Baby's Cord Blood
Do we or don't we bank our baby's umbilical cord blood. It's a
decision many new parents are struggling with. Under siege
from advertisers in parenting magazines, many feel guilty if
they don't save this "insurance policy for their baby's
health" in a private storage bank.
But private banking has not been shown to be a necessity at
this time, except in those cases when a closely related family
member needs a transplant of the stem cells harvested from
cord blood. When there is no need of this kind, cord blood
storage is a speculative undertaking.
In fact, it's not
recommended by very many physicians and medical organizations.
However, public donation of cord blood is. Making this
valuable asset available through public cord blood storage
facilities is encouraged by groups such as the American
Academy of Pediatrics. It can provide life saving...
Life insurance > The Life-Saving Potential of Your Baby's Cord Blood
Does Work/Life Balance Really Exist?
Copyright 2006 Donna Gunter
If you look at almost any issue of nationally published women's magazines, you'll find article upon article trying to convince the American public (and American women) that you can have it all -- a brilliant career/business and a marvelous family life -- and then follow with instructions on how you can accomplish this easily.
I am just not buying into this train of thought.
In order for most successful business people to get where they want to be in their businesses, something has to go.
For me, it's been a personal life.
As a single woman of 40 with no children and no significant other on the horizon, I've got much more flexibility than most.
I can make a conscious decision to forego some aspect of my life on a shorter-term basis to reach my goals.
Most of us aren't quite that lucky, however.
You have children you have to get dressed and to school each day, or a spouse who needs...
Life insurance > Does Work/Life Balance Really Exist?
Life insurance
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