Term life insurance policies provide a limited coverage period, which is determined by the policy owner. Term life insurance rates are actually the cheapest form of life insurance, but there are different rates for different people. This is because once the term of the policy is up you don’t receive any payout from the policy. If you take out life insurance at a young age, you will get much better term life insurance rates than if you wait until you are older.
The total cost of your term life insurance rates can be tricky. Some term life insurance policies appear to cost more, but may, in fact, be cheaper when you look at the total cost of the term life insurance policy. For example, annual renewable policies increase your premiums every year and thus may appear to be more expensive than level term policies where the premiums never increase (although the initial premiums for a level term policy will be higher). But, in fact, level premium policies may involve higher costs over the policy's full term, and become particularly expensive when you try to renew your policy at the end of the term. This is why you do have to compare term life insurance quotes.
Some of the factors that influence your term life insurance rates are:
· Whether or not you smoke. Tobacco users are twice as likely to die as non tobacco users while they are insured. Life insurance companies take this into account when they set their premium and cash benefits levels. You can save from 20% to 30% on premiums by quitting smoking.
· Medical Record. If you have a terminal illness, it is unlikely that any life insurance company will issue a policy. In the case of heart disease, you will get a policy but your rates will be high
· Occupation. if you work in a dangerous occupation, such as working on a ship that carries gas, this will put you into a higher bracket when it comes to getting rates for term insurance. You will have to shop around to compare term life insurance quotes if you are in this category.
Term life insurance rates vary a lot, and you can do something about your premiums by taking some decisions to become more healthy, like giving up smoking.
Tuesday, August 28, 2007
What Software Do You Need For Your Small Business
When running a small business there can be several jobs and
tasks to take care of. Obviously knowing where the money is
coming from and going is essential to running your business.
That's why it is good to find out which small business
accounting software is best for you to help you run a well
organized and efficient small business.
There are hundreds to thousands of small business accounting
software out there to help you with reports and tools needed to
use your financial data. Depending on the one you go with will
depend on how much you're going to pay for it. The more you
pay, the more accessories and programs there will be that come
with it. Some come with a billing and time module, various
amounts of financial and management reports, and more. You can
choose to get it in different editions from basic, online, pro,
or premier for your computer.
One small business accounting software that is recommended is
the 2005 Peachtree Complete Accounting. This is a multi-user
ready system that provides you with all the features needed.
You'll have features including in-depth inventory, job costing,
time and billing, fixed assets and more. With all these great
features the price of this runs between $165-$290 as it is sold
by different merchants. You can shop for this product through
the different merchants here:
http://about.pricegrabber.com/search_getprod.php/masterid=2936006/search=Peachtree%20Complete
Another feature that is offered with certain software is the
capability to scale as your business grows. That is just one of
the many features that the high end Microsoft Business Solutions
Small Business Financials North America Edition offers. Also
included in this program is the capability of keeping record of
financial management, sales, purchasing, inventory, payroll, and
reporting. This is software that will easily allow you to run
an organized small business and keep track of the people in it
and all of the numbers associated with running a small business.
This software will give you everything that you'll truly need.
With this high end software is a hefty price as it runs between
$995-4,500, so you'll have to decide how big your small business
is going to get. If you're going to be running a large small
business, then this will be worth it to help keep track of all
the payrolls and inventory and more. On the website listed
below, you'll also see a free 60-day CD demo that you can try it
out first to see if you like it.
http://www.2020software.com/products/Microsoft_Business_Solutions_Small_Business_Financials_North_America_Edition.asp
There is plenty more software to choose from, but there's a high
end software and a cheaper software to check out. If you go to
http://www.2020software.com/default.asp you'll find a list of
what this website claims the top 7 software out there. Included
on this list is the Microsoft software I have briefly talked
about just above.
This list is going to consist of the more expensive software out
there. All of the software on the list is priced at above
$1,000 with some of them reaching the $100,000 mark. While it
is pricey, it will install very easily, be very secure over the
internet and computer, and offer all kinds of features you
wouldn't even consider such as a built-in report writer to help
deliver the content in the format you need.
Now you know the general price range for accounting software and
the features you'll get for what you pay for. In order to get a
good quality software for your small business it's going to be
pricey, but it will help keep your business organized and in
tact. So don't be afraid to drop some money on software that
will help expand your business in the long run.
tasks to take care of. Obviously knowing where the money is
coming from and going is essential to running your business.
That's why it is good to find out which small business
accounting software is best for you to help you run a well
organized and efficient small business.
There are hundreds to thousands of small business accounting
software out there to help you with reports and tools needed to
use your financial data. Depending on the one you go with will
depend on how much you're going to pay for it. The more you
pay, the more accessories and programs there will be that come
with it. Some come with a billing and time module, various
amounts of financial and management reports, and more. You can
choose to get it in different editions from basic, online, pro,
or premier for your computer.
One small business accounting software that is recommended is
the 2005 Peachtree Complete Accounting. This is a multi-user
ready system that provides you with all the features needed.
You'll have features including in-depth inventory, job costing,
time and billing, fixed assets and more. With all these great
features the price of this runs between $165-$290 as it is sold
by different merchants. You can shop for this product through
the different merchants here:
http://about.pricegrabber.com/search_getprod.php/masterid=2936006/search=Peachtree%20Complete
Another feature that is offered with certain software is the
capability to scale as your business grows. That is just one of
the many features that the high end Microsoft Business Solutions
Small Business Financials North America Edition offers. Also
included in this program is the capability of keeping record of
financial management, sales, purchasing, inventory, payroll, and
reporting. This is software that will easily allow you to run
an organized small business and keep track of the people in it
and all of the numbers associated with running a small business.
This software will give you everything that you'll truly need.
With this high end software is a hefty price as it runs between
$995-4,500, so you'll have to decide how big your small business
is going to get. If you're going to be running a large small
business, then this will be worth it to help keep track of all
the payrolls and inventory and more. On the website listed
below, you'll also see a free 60-day CD demo that you can try it
out first to see if you like it.
http://www.2020software.com/products/Microsoft_Business_Solutions_Small_Business_Financials_North_America_Edition.asp
There is plenty more software to choose from, but there's a high
end software and a cheaper software to check out. If you go to
http://www.2020software.com/default.asp you'll find a list of
what this website claims the top 7 software out there. Included
on this list is the Microsoft software I have briefly talked
about just above.
This list is going to consist of the more expensive software out
there. All of the software on the list is priced at above
$1,000 with some of them reaching the $100,000 mark. While it
is pricey, it will install very easily, be very secure over the
internet and computer, and offer all kinds of features you
wouldn't even consider such as a built-in report writer to help
deliver the content in the format you need.
Now you know the general price range for accounting software and
the features you'll get for what you pay for. In order to get a
good quality software for your small business it's going to be
pricey, but it will help keep your business organized and in
tact. So don't be afraid to drop some money on software that
will help expand your business in the long run.
Why Is Small Business Health Insurance Worth It?
If you’re looking for a guide to how to get health insurance and
what kind of health insurance is best for your small business,
then this is the article for you. Your business qualifies for
small business health insurance if you have anywhere between two
and fifty employees in it. If you are self employed then you’ll
want to look into getting self employed health insurance.
There are many benefits to getting small business health
insurance. A small business health insurance plan will help
spread the financial risk around to everyone and not just
yourself. As this is the case, this generally will bring lower
premiums and more extensive coverage. Along with this, the
health insurance provides medical care for you and all other
employees as well.
With a small business health insurance people often get group
insurance. This too has its advantages on several different
aspects. All contributions from the employers are 100% tax
deductible, and you’ll save on payroll taxes as well. Small
businesses will be eligible for group insurance just as long as
you have two or more full time employees working.
When setting up a group insurance plan for your small business,
all members will be set up with a coverage plan with rates
calculated using the group and individuals. After that it is up
to the separate employees themselves if they wish to add riders
and additional coverage to satisfy their needs. Keep in mind
that not all employees in the small business have to join the
group plan. Just as long as there is no fewer then two
employees in the business that have the group insurance plan,
then you will be fine.
The cost of the group insurance plan varies based on several
different characteristics. Some of these include age, health
status, business and/or residential location and so on. Like
everything in this world it’s not going to be cheap, but it will
be cheaper then having a bunch of separate health insurance
plans.
Most health plans are going to require employees to pay at least
half of the premium cost for covered employees. Some employees
will offer to pay 100% of the cost, white now there is a new
health plan giving employees the option to pay as little as 25%
of the cost. Just know that typically most types of coverage
will cost employees a minimum of $1,600-$2,500 per year per
employee. By clicking on the link below you can begin getting
quotes for your small business health insurance.
http://www.buyerzone.com/benefits/health_insurance/qz_questions_2.jhtml
Just remember that many times medical services are needed
unexpectedly. If you or other employees do not have health
insurance this could be a devastating blow to the wallet. The
cost of a hospital visit, depending on the circumstance, will
many times be much higher then the cost of health insurance.
You want to be able to live life knowing that you’re insured
just in case the unexpected happens. Nothing hurts to at least
look at some quotes and talk it over with other employees, but
you have the power to make the decision.
what kind of health insurance is best for your small business,
then this is the article for you. Your business qualifies for
small business health insurance if you have anywhere between two
and fifty employees in it. If you are self employed then you’ll
want to look into getting self employed health insurance.
There are many benefits to getting small business health
insurance. A small business health insurance plan will help
spread the financial risk around to everyone and not just
yourself. As this is the case, this generally will bring lower
premiums and more extensive coverage. Along with this, the
health insurance provides medical care for you and all other
employees as well.
With a small business health insurance people often get group
insurance. This too has its advantages on several different
aspects. All contributions from the employers are 100% tax
deductible, and you’ll save on payroll taxes as well. Small
businesses will be eligible for group insurance just as long as
you have two or more full time employees working.
When setting up a group insurance plan for your small business,
all members will be set up with a coverage plan with rates
calculated using the group and individuals. After that it is up
to the separate employees themselves if they wish to add riders
and additional coverage to satisfy their needs. Keep in mind
that not all employees in the small business have to join the
group plan. Just as long as there is no fewer then two
employees in the business that have the group insurance plan,
then you will be fine.
The cost of the group insurance plan varies based on several
different characteristics. Some of these include age, health
status, business and/or residential location and so on. Like
everything in this world it’s not going to be cheap, but it will
be cheaper then having a bunch of separate health insurance
plans.
Most health plans are going to require employees to pay at least
half of the premium cost for covered employees. Some employees
will offer to pay 100% of the cost, white now there is a new
health plan giving employees the option to pay as little as 25%
of the cost. Just know that typically most types of coverage
will cost employees a minimum of $1,600-$2,500 per year per
employee. By clicking on the link below you can begin getting
quotes for your small business health insurance.
http://www.buyerzone.com/benefits/health_insurance/qz_questions_2.jhtml
Just remember that many times medical services are needed
unexpectedly. If you or other employees do not have health
insurance this could be a devastating blow to the wallet. The
cost of a hospital visit, depending on the circumstance, will
many times be much higher then the cost of health insurance.
You want to be able to live life knowing that you’re insured
just in case the unexpected happens. Nothing hurts to at least
look at some quotes and talk it over with other employees, but
you have the power to make the decision.
Win Federal Contracts for Your Small Business
The United States Federal Government spends more than $600 billion dollars each year on buying goods and services from the private sector. The federal government is the world biggest consumer of goods and services, and advanced technology systems. The government purchases an array of products and services in nearly every category. The federal government spends billions of dollars yearly on training and development, information technology, telecommunication products, law enforcement, fire safety, management consulting, medical services, environmental services, just to name a few.
Are there real federal opportunities for your small business? I can’t tell you with certainty that it does but I can tell you that federal policy actively encourages agencies to give procurement preferences to small, small disadvantaged and women owned firms by establishing annual procurement goals. The enormous federal marketplace offers potentially lucrative business opportunities.
The Small Business Administration negotiates annual procurement goals with each agency to ensure that small, minority and women owned firms get their fair share of federal procurement contracts.
Example of Federal Procurement Contract Award Goals for Fiscal Year 2005
23 percent of prime contracts for small businesses
5 percent of prime and subcontracts for small disadvantaged businesses
5 percent of prime and subcontracts for women-owned businesses
3 percent of prime and subcontracts for HubZone small businesses
3 percent of prime and subcontracts for service disabled veteran owned businesses
Under the Small Business Act all federal government contracts under $100,000 must be targeted to small, small disadvantaged, small women-owed and small service disabled
owned companies. This federal law creates very distinct marketing advantages and business opportunities for small, minority, and women owned businesses seeking to to business with the federal government.
The Federal Government provides small businesses with procurement resources within Federal Agency Offices and Specialize Programs.
Here are some of the Small Business Procurement resources:
Offices of Small and Disadvantaged Business Utilization (OSDU) within federal agencies is responsible for promoting the use of small, small disadvantage and special status businesses.
Small Business Administration’s Office of Government Contracts administers programs and services designed to help small businesses meet the requirement necessary to compete for and receive contracts.
Mentor-Protégé Program is designed to encourage federal prime contractors to form a partnership and provide technical assistance to Small Business Administration certified women-owned, small disadvantaged and small businesses owned and controlled by service disabled veterans.
WomenBiz.gov is an online gateway for women owned business seeking to do business with the federal government.
Minority Business Development Agency which is part of the United States Department of Commerce offers assistance to minority owned businesses.
The Federal Government is a major and growing marketplace. With over 2500 buying offices nationwide and expanding budgets buyers are waiting to hear from your small business. The financial rewards are well worth the time and efforts. Don’t sit on the sidelines recession proof your small business and start marketing your products and services to the federal government. Get your slice of the $600 billion dollar federal contracting pie.
Are there real federal opportunities for your small business? I can’t tell you with certainty that it does but I can tell you that federal policy actively encourages agencies to give procurement preferences to small, small disadvantaged and women owned firms by establishing annual procurement goals. The enormous federal marketplace offers potentially lucrative business opportunities.
The Small Business Administration negotiates annual procurement goals with each agency to ensure that small, minority and women owned firms get their fair share of federal procurement contracts.
Example of Federal Procurement Contract Award Goals for Fiscal Year 2005
23 percent of prime contracts for small businesses
5 percent of prime and subcontracts for small disadvantaged businesses
5 percent of prime and subcontracts for women-owned businesses
3 percent of prime and subcontracts for HubZone small businesses
3 percent of prime and subcontracts for service disabled veteran owned businesses
Under the Small Business Act all federal government contracts under $100,000 must be targeted to small, small disadvantaged, small women-owed and small service disabled
owned companies. This federal law creates very distinct marketing advantages and business opportunities for small, minority, and women owned businesses seeking to to business with the federal government.
The Federal Government provides small businesses with procurement resources within Federal Agency Offices and Specialize Programs.
Here are some of the Small Business Procurement resources:
Offices of Small and Disadvantaged Business Utilization (OSDU) within federal agencies is responsible for promoting the use of small, small disadvantage and special status businesses.
Small Business Administration’s Office of Government Contracts administers programs and services designed to help small businesses meet the requirement necessary to compete for and receive contracts.
Mentor-Protégé Program is designed to encourage federal prime contractors to form a partnership and provide technical assistance to Small Business Administration certified women-owned, small disadvantaged and small businesses owned and controlled by service disabled veterans.
WomenBiz.gov is an online gateway for women owned business seeking to do business with the federal government.
Minority Business Development Agency which is part of the United States Department of Commerce offers assistance to minority owned businesses.
The Federal Government is a major and growing marketplace. With over 2500 buying offices nationwide and expanding budgets buyers are waiting to hear from your small business. The financial rewards are well worth the time and efforts. Don’t sit on the sidelines recession proof your small business and start marketing your products and services to the federal government. Get your slice of the $600 billion dollar federal contracting pie.
You may have found the best advice regarding life insurance.
You may have found the best advice regarding life insurance. When you are trying to find top advice concerning life insurance, it will be easier said than done extricating superior advice from foolish life insurance suggestions and support so it is important to know how to judge the advice that is offered.
Now we'd like to offer you some advice which we think you should use when you are trying to find information about life insurance. You need to understand that any recommendation we present to you is only pertinent to internet help on life insurance. We are unable to offer any guidance or advice for conducting research offline.
A great hint to follow when you're presented with help or advice about a life insurance web is to verify the ownership of the website. Doing this could reveal the owners life insurance credibility The quickest way to work out who owns the life insurance web site is to find the sites 'about' page.
Any worthwhile website providing information on life insurance, will almost always provide an 'about' or 'contact' page which will record the site owner's contact details. The details should divulge major points about the owner's skill and understanding. You can then arrive at a decision about the webmaster's familiarity and qualifications, to provide advice to you regarding life insurance.
Now we'd like to offer you some advice which we think you should use when you are trying to find information about life insurance. You need to understand that any recommendation we present to you is only pertinent to internet help on life insurance. We are unable to offer any guidance or advice for conducting research offline.
A great hint to follow when you're presented with help or advice about a life insurance web is to verify the ownership of the website. Doing this could reveal the owners life insurance credibility The quickest way to work out who owns the life insurance web site is to find the sites 'about' page.
Any worthwhile website providing information on life insurance, will almost always provide an 'about' or 'contact' page which will record the site owner's contact details. The details should divulge major points about the owner's skill and understanding. You can then arrive at a decision about the webmaster's familiarity and qualifications, to provide advice to you regarding life insurance.
Thursday, August 23, 2007
China Portfolio Insurance
Are you excited about the upside potential of China but can’t pull the trigger because of the significant downside risk? Here is a way to invest in China growth and still sleep at night.
China has been the largest economy in the world for eighteen of the past twenty centuries and it is clearly determined to regain its role as the hegemonic power in Asia and then challenge U.S. global leadership. Will it be able to sustain its 10% economic growth rate, quell rural discontent, build a sound market-based financial system, privatize dominant state-owned enterprises and move towards openness and democracy? This is a tall order and you can put me in the skeptic column.
Nevertheless, China’s raw industrial power, momentum and the palpable ambition of the Chinese people could realistically yield a huge return. I advise my clients to go ahead and invest in China but emphasize that this is a speculative investment. It is smart to protect against the considerable downside risk.
Here is a simple plan you might want to execute to capture the upside while cutting your losses if the Chinese economy hits a speed bump.
First, you could take a broad stake in China through investing in the China iShare exchange-traded fund (FXI) that is comprised of 25 of the largest and most liquid China names. All of the 25 stocks included in the China iShare are listed on the Hong Kong Stock Exchange. Some of them are incorporated in mainland China (H shares) and some of them are incorporated in Hong Kong (red chips). The China iShare has been picking up steam in the last few months and is up just over 12% so far this year.
The China iShare provides good exposure to three key sectors of China: energy (20%), telcom (19%) and industrial (18%). This concentration can be viewed as a plus or a minus depending on your perspective. For example, some smart investors are placing a bigger bet on China’s consumer markets. The top five companies represent 40% of the index. The annual operating expenses of the China iShare are only 0.74% compared to 2% plus for other alternatives out there including actively managed China and greater China regional funds. Keep in mind that most of these companies are still largely controlled and owned by the Chinese government.
Next, you could take out some insurance to protect this position by purchasing a put option on the China iShare (FXI). It sounds complicated but is actually very straightforward. An option is a right to buy (call) or sell (put) 100 shares of a security on a fixed expiration date at a set price (strike price). For this right an investor pays a fee or premium.
While you may grumble about paying the premium with cold hard cash when you might not need it, you probably have home insurance just in case disaster strikes and no doubt you have some life insurance as well. Why not protect your portfolio as well? It is especially important to consider hedging against more risky emerging markets such as China. While countries like China offer tremendous upside potential, the downside risk can be daunting and immobilize even the bravest investor.
Let’s look at a couple of examples. Say you buy 100 shares of the China iShare (FXI) which is trading at $62 per share. Your total exposure is $6,200. Then purchase a put option (right to sell the China iShare) that gives you the right to sell FXI at a price of $60 on the third Friday in January 2008. I think we all can agree that a lot could happen to China, good and bad, from now until January, 2008. If the price of the China iShare moves down toward the strike price, the value of the option will increase.
This will cost you a premium of a little over $500 but limits your potential loss to $2 per share plus the premium. Or buy a put option at a strike price of $50 and your premium drops to about $200 with a worst case scenario of a loss of $12 per share plus the premium.
Here is another example. You know Latin American markets are hot and believe the bull market will continue but are wary that there is the potential for a sharp pullback. You could buy 100 shares of the Latin America 40 iShare (ILF) giving you exposure to Brazil, Argentina, Mexico and Chile at a price of $113 for a total exposure of $11,300. Then buy a put option giving you the right to sell 100 shares at a strike price of $100 in March 2006 for a premium of around $300. Your worst case scenario would then be a loss of 15% with unlimited upside.
Keep a cool head when investing in emerging market countries like China. They should represent only be a small portion of your portfolio and, whenever possible, take out some insurance.
China has been the largest economy in the world for eighteen of the past twenty centuries and it is clearly determined to regain its role as the hegemonic power in Asia and then challenge U.S. global leadership. Will it be able to sustain its 10% economic growth rate, quell rural discontent, build a sound market-based financial system, privatize dominant state-owned enterprises and move towards openness and democracy? This is a tall order and you can put me in the skeptic column.
Nevertheless, China’s raw industrial power, momentum and the palpable ambition of the Chinese people could realistically yield a huge return. I advise my clients to go ahead and invest in China but emphasize that this is a speculative investment. It is smart to protect against the considerable downside risk.
Here is a simple plan you might want to execute to capture the upside while cutting your losses if the Chinese economy hits a speed bump.
First, you could take a broad stake in China through investing in the China iShare exchange-traded fund (FXI) that is comprised of 25 of the largest and most liquid China names. All of the 25 stocks included in the China iShare are listed on the Hong Kong Stock Exchange. Some of them are incorporated in mainland China (H shares) and some of them are incorporated in Hong Kong (red chips). The China iShare has been picking up steam in the last few months and is up just over 12% so far this year.
The China iShare provides good exposure to three key sectors of China: energy (20%), telcom (19%) and industrial (18%). This concentration can be viewed as a plus or a minus depending on your perspective. For example, some smart investors are placing a bigger bet on China’s consumer markets. The top five companies represent 40% of the index. The annual operating expenses of the China iShare are only 0.74% compared to 2% plus for other alternatives out there including actively managed China and greater China regional funds. Keep in mind that most of these companies are still largely controlled and owned by the Chinese government.
Next, you could take out some insurance to protect this position by purchasing a put option on the China iShare (FXI). It sounds complicated but is actually very straightforward. An option is a right to buy (call) or sell (put) 100 shares of a security on a fixed expiration date at a set price (strike price). For this right an investor pays a fee or premium.
While you may grumble about paying the premium with cold hard cash when you might not need it, you probably have home insurance just in case disaster strikes and no doubt you have some life insurance as well. Why not protect your portfolio as well? It is especially important to consider hedging against more risky emerging markets such as China. While countries like China offer tremendous upside potential, the downside risk can be daunting and immobilize even the bravest investor.
Let’s look at a couple of examples. Say you buy 100 shares of the China iShare (FXI) which is trading at $62 per share. Your total exposure is $6,200. Then purchase a put option (right to sell the China iShare) that gives you the right to sell FXI at a price of $60 on the third Friday in January 2008. I think we all can agree that a lot could happen to China, good and bad, from now until January, 2008. If the price of the China iShare moves down toward the strike price, the value of the option will increase.
This will cost you a premium of a little over $500 but limits your potential loss to $2 per share plus the premium. Or buy a put option at a strike price of $50 and your premium drops to about $200 with a worst case scenario of a loss of $12 per share plus the premium.
Here is another example. You know Latin American markets are hot and believe the bull market will continue but are wary that there is the potential for a sharp pullback. You could buy 100 shares of the Latin America 40 iShare (ILF) giving you exposure to Brazil, Argentina, Mexico and Chile at a price of $113 for a total exposure of $11,300. Then buy a put option giving you the right to sell 100 shares at a strike price of $100 in March 2006 for a premium of around $300. Your worst case scenario would then be a loss of 15% with unlimited upside.
Keep a cool head when investing in emerging market countries like China. They should represent only be a small portion of your portfolio and, whenever possible, take out some insurance.
Build Your Own Insurance Business with InsureAmerica
Dallas-based InsureAmerica Management Company has released a new Internet site, www.byoib.com, to aid in recruitment of nationwide health insurance agents. Complete with commission examples, earnings potential breakdowns and an income potential calculator, interested health insurance agents can get a good look at the opportunity InsureAmerica has to offer.
The new website is part of the company’s aggressive growth and expansion plan to further extend its national reach.
“We know we have a business opportunity and a system that health insurance agents and agency owners can be successful with. We just needed an avenue to express this,” states Dan Roberts, Vice President, Sales and Marketing. “The days of simple newspaper ads are a thing of the past. People want more information and want to know what you can do for them. This is what our recruiting site is about…the agents and what we can do to make them successful.”
The website address, www.byoib.com, comes from the acronym of the phrase Build Your Own Insurance Business, which is the recurring theme of the website. InsureAmerica isn’t about selling health insurance. It’s goal is to also help others grow their own businesses.
“Selling health insurance and running your own insurance office is a daunting task and at times agents can feel like they are all alone. Through this website we want to convey to potential agents that we are here to help them and that they are not successful because of us, but that we are successful because of them. We have people in our group that have built very lucrative businesses and enjoy helping others do the same,” says Dan Roberts, Vice President, Sales and Marketing.
In addition to being able to see commissions and earnings information, potential agents can find out more about the products that InsureAmerica represents, the in-house lead program and company background.
About InsureAmerica
Headquartered in Dallas, TX, InsureAmerica has been providing individuals and small businesses with quality health insurance for 17 years. The company has a nationwide presence with agents in 30 states. Insurance of America offers health insurance, life insurance and health savings accounts, among other products. All products are provided by A-rated or better carriers and endorsed by the National Business Association.
The new website is part of the company’s aggressive growth and expansion plan to further extend its national reach.
“We know we have a business opportunity and a system that health insurance agents and agency owners can be successful with. We just needed an avenue to express this,” states Dan Roberts, Vice President, Sales and Marketing. “The days of simple newspaper ads are a thing of the past. People want more information and want to know what you can do for them. This is what our recruiting site is about…the agents and what we can do to make them successful.”
The website address, www.byoib.com, comes from the acronym of the phrase Build Your Own Insurance Business, which is the recurring theme of the website. InsureAmerica isn’t about selling health insurance. It’s goal is to also help others grow their own businesses.
“Selling health insurance and running your own insurance office is a daunting task and at times agents can feel like they are all alone. Through this website we want to convey to potential agents that we are here to help them and that they are not successful because of us, but that we are successful because of them. We have people in our group that have built very lucrative businesses and enjoy helping others do the same,” says Dan Roberts, Vice President, Sales and Marketing.
In addition to being able to see commissions and earnings information, potential agents can find out more about the products that InsureAmerica represents, the in-house lead program and company background.
About InsureAmerica
Headquartered in Dallas, TX, InsureAmerica has been providing individuals and small businesses with quality health insurance for 17 years. The company has a nationwide presence with agents in 30 states. Insurance of America offers health insurance, life insurance and health savings accounts, among other products. All products are provided by A-rated or better carriers and endorsed by the National Business Association.
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