Why The Aaa Life Insurance Company?

No doubt you will have heard of the AA (Alcoholics Anonymous); but, you may not have heard or have previously known about the AAA, the American Automobile Association. The organization is a century old after launching in 1902 to provide insurance services not only to people who want to be covered when they go traveling around the country, but also when Americans are thinking of traveling abroad. Many years after its formation, the company decided that they wanted to venture out of just offering travel insurance policies to their customers and decided to offer life insurance coverage as they had such a distinctive and well-established credit rating that meant they were more stable than many other organizations offering similar products and services at the same point in time. If we were looking at the company from a strategy point of view, from formation until present day, then we would most certainly understand that they have come a long way since initial inception.

Is the AAA Life Insurance Company For You?

Like most people, heck probably everyone, your life will be unpredictable, and you will never know when the worst could happen, at anytime and it is most likely going to happen to you when you least expect it to. If you have something really bad happen in your life, then you will be safe in the knowledge that an insurance company such as AAA will be able to guide you on the road to recovery and enable you to build upon your current situation.

You shouldn’t mistaken this for a ‘praise the great company’, as, after all, this is an organization who trade and provide insurance policies to people – they may be an insurance company, but one with a difference to the rest of them out there. The customer service agents that you talk to and communicate with understand and continue on the theory of both the customer and company being in win-win situations, meaning that establishing a partnership between the two and building on this will bring about a better relationship, rather than adopting an ‘us’ and ‘them’ mentality that so many other firms do. This philosophy and ethos has helped the company become established over time and become well known for its caring attitude.

There are also other benefits from becoming a customer with AAA, you will receive information on competitive products and services that they are offering, and usually many other companies reserve these for new customer that are not currently with them. I am sure you find this really frustrating and AAA understand this, so they have implemented a care culture which allows offers to be directed to current holders to ensure that they are offering and providing a tailor made package that suits all of your needs as an individual buyer.

Being Covered by AAA Life Insurance

You should be assured that AAA will ensure you are fully satisfied with their service and product, through advising you before they ask you to purchase anything from them – you won’t be charged any fees and nothing will be processed until you agree that it is the right decisions and policy for you; there is no pressure. The organization isn’t just one company on its own, but is made up from 5 other subsidiaries that all form together to offer an insurance organization that can pretty much outsmart many others.

Many Americans, well some 44 million of us, believe that the organization is worthy of our investment and that their service levels are good enough for us to buy products and services from them. In 2006, they were rated as the best insurance company of the year, which was mainly down to the long term strategic focus that the company has taken since its inception. So, if you are looking for an insurance policy, no matter what field it may be in, then you should consider AAA as a probable choice as they do have really great customer service that beats many others.

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How To Choose A Reputable Insurance Carrier

Car Insurance is a lot like a marriage

Before you commit, know what you’re getting into!

With more than 3,000 auto insurers in the United States, how do you choose the one that best suits your needs? Here are four questions to help guide you through the decision process.

Is the company trusted by people I trust?

The best recommendations come from professionals who know their industry and know their products. In the case of auto insurance, you can count on the advice of your local, independent insurance agent or broker. He or she can evaluate your needs and point you to the companies that fit your budget and requirements.

Agents and brokers can tell you which companies are the best when it comes to:

Issuing policies accurately
Filing documents
Paying claims fairly and promptly

Will the company be there when I need it?

At its heart, an insurance policy is a promise to pay a claim if necessary. The promise, and therefore the policy, is completely worthless if the company is no longer in business when you have a claim. This is why rating agencies and smart insurance buyers pay very close attention to the financial stability of insurance companies.

A.M. Best is the most well-known rating agency in the United States focused on insurance companies. Companies rated “A” or better by A.M. Best are considered to have “Excellent” financial stability and are likely to stay in good financial shape. These companies will be around when you need them.

Be sure to ask your insurance agent or broker if the company that you are considering is rated “A” or better by A.M. Best.

Does the company focus on the kind of insurance I need?

It’s easy for companies to get pulled into selling dozens of different kinds of insurance policies. While some companies provide just auto insurance and some just auto and home insurance or business insurance, others insure everything from cars, motorcycles and boats to mobile homes, houses and businesses.

Just like heart patients are best served by a heart specialist rather than a general practitioner, insurance consumers are best served by agents and brokers who understand particular types of insurance. Specialty insurance providers can really focus on the needs of their customers and make sure they receive the best possible protection and service.

Is the company a leader in its field?

Just as it is important to find a company that specializes, it is important to find a company that is a leader. Companies that provide a good value and a good product usually rise to the top in any industry, including insurance. Your insurance agent or broker can tell you if the company you are considering is one of the top five out of the hundreds of carriers that provide the type of insurance you need.

A top-tier company is most likely to have the best mix of products, price, service and availability to meet your needs.

10 Apocalyptic Insurance Policies (inspired By Hollywood)

If Hollywood is any kind of accurate predictor of the future – and I think we all know that it is – then the century ahead of us will be beset by extreme hardship, unforeseen peril and apocalyptic danger. And maybe some hover cars.

Therefore, as the current glut of apocalyptic and dystopian movies prepares us psychologically, Know Your Money thought it would be a fitting time to take heed of cinema’s prophetic teachings and suggest some niche insurance products to help you offset the financial impact of the impending doom.

Alien Insurance
The prevalence of UFO stories disseminated by Mulder & Scully et al during the late 20th century lead to opportunistic US insurers selling alien abduction insurance policies to the public. According to Wikipedia, such providers have actually paid out to successful claimants, although the source’s vague assertions waft of ET’s excrement.

Anyhow, Hollywood’s output of late, disregarding the awful The Fourth Kind, suggests that the little green men have lost interest in their dubious probing programme and have shifted focus towards the eradication of our species.

Accordingly, The Invasion and War of the Worlds show savvy consumers the importance of getting covered against the significant financial repercussions of having possessions and loved ones assimilated and death-rayed, respectively; while farmers should bear Signs’s lessons in mind and acquire some protection against the little green bastards dicking around with their crops. Once the alien invaders are repelled in a last ditch effort you’ll be thankful for some financial aid as you rebuild your shattered lives.

Fictitious Critical Illness Cover
While SARS, Ebola, Necrotizing Fasciitis, H5N1, MRSA and Swine Flu can be dismissed as products of manipulative media scare-mongering, Rage, the Reaper Virus, Krippen Virus and the T-Virus are clearly threats of a much more significant and tangible nature.

Therefore, when purchasing a Critical Illness Insurance make sure that the policy covers the huge range of fictional conditions likely to cause a global epidemic in the near future. Cover for lab-created pathogens and anything spread by monkeys is essential and you should also consider protection against unexplained outbreaks of blindness and infertility.

Monster Insurance
As the citizens of Japan have known for many decades, monsters are a serious threat. Depending on size, type and disposition, even a single monster can have a catastrophic impact on urban infrastructure resulting in financial hardship for local citizens and businesses.

As well as ensuring that your home and possessions are adequately covered against the monster threat – especially if you live in a large, cinematic city – there are other factors to consider. Cloverfield, for example, demonstrates that specialist monster cover for social events can be a prudent investment; while various movies from Tremors to The Mist urge retailers to protect their businesses against the financial repercussions of a prolonged monster siege, which commonly result in the disruption of trade and the mass appropriation of stock by the besieged.

Robot Insurance
Robots, Hollywood teaches us, are lawsuits waiting to happen. They will inevitably malfunction and/or become sentient and consequently turn on their creators with a mechanical indifference to the human principles of sanctity of life and rights of ownership.

What’s more, as Hollywood soothsayer Michael Bay taught the world (twice), most robot attacks are so disorienting, loud, implausible and mind-numbingly crap that they are difficult to predict.

Businesses conducting research and development for the military technology market should take a note from Robocop’s Omni Consumer Products and ensure that their third party liability insurance can handle a few accidental employee deaths; similarly, larger operators should follow the lead of The Terminator’s Skynet, ensuring that their corporate limited liability status will get them off the hook should any of their products attempt to eradicate the human race.

Biblical Apocalypse Insurance
Not being a religious person, and since Hollywood has been suspiciously quiet on the subject, I’m not entirely sure how the battle of Armageddon, the Four Horsemen of the Apocalypse and the End Times all fit together.

The recently released Legion, however, has put an end to Hollywood’s silence on the matter, and confirms the fears of nutters around the globe: the big Charlton Heston lookalike in the sky is putting a stop to all this worldly stuff sometime soon. Although, judging by the trailer, it unlikely to clear up any theological issues.

So, before you hear the portentous clip-clop of the Four Horsemen riding into town, it might be a good idea to get yourself some Biblical Apocalypse Insurance.

When comparing policies, make sure they provide decent cover for loss of life/property/soul etc, and, crucially, check the small print to make sure that you’re not being conned into buying a policy containing an Acts of God clause.

Nuclear Holocaust Insurance
Ah yes – nuclear holocaust, the secular apocalypse du jour and cinematic staple ever since megalomaniacal nations began hoarding WMDs and adopting the wonderfully comforting strategy of mutually assured destruction.

We recommend Nuclear Holocaust Insurance to everyone, for when it happens, for whatever reason, you will either end up as a shadow on the ground or eking out a miserable existence in an uphill struggle for survival in a barren nuclear winter landscape that will almost certainly be primarily populated by mutants and/or cannibals.

Just think how much more cheerful The Road would be if Viggo Mortensen and his kid had a nice big cash payout to fall back on. They’d be set for kindling and toilet paper for the rest of their wretched lives. That’s the kind of peace of mind that only a quality insurance policy can offer.

Reality Insurance
If you are generally happy with your reality then you may want to protect yourself should it turn out to be false. A substantial payout would have certainly helped Neo adjust to his new reality of increasingly inferior sequels, and it would have made Truman Burbank decision a lot easier too.

However, if you follow the logic, then buying a Reality Insurance policy in a false reality is pointless, since if your reality turns out to be false then that would mean that any policy bought within it would not be real either.

Damned insurance salesmen, first it was PPIs and now this…

Zombie Insurance
Climate change, shmlimate shmange (that’s easier to type than pronounce). Zombies are mankind’s gravest threat this century – everyone knows it, even if the blinkered scientific community is yet to catch on. Whether of the shambling, traditional variety or the faster, modern pseudo variety, zombies = doom. We know this because the zombies always win at the end of every decent zombie movie (except for Shaun of the Dead).

Some Zombie Insurance specialists advocate comprehensive policies that include combat training and access to undead-proof cruiseships, but since these policies are relatively rare, we suggest finding a provider who offers a speedy claims process that pays out on infection, so that you can settle any outstanding financial matters before you start craving human flesh. Especially shopping mall employees.

Implausible Natural Disaster Insurance
We are constantly reminded of the horrific damage that our planet’s natural systems can cause. And the only thing more catastrophic than a real-life natural disaster is a Hollywood one.

But it’s not just tidal waves and earthquakes. Oh no, if there is one thing that movies such as The Day After Tomorrow and The Happening have taught us, it’s that natural disasters are often of a much more implausible and illogical character. Therefore, when insuring against natural disaster risks, make sure that you are not only covered for threats bound by the laws of science, but also those governed by Hollywood pseudo-science and M. Night Shyamalan’s increasingly impoverished imagination.

Temporal Divergence Insurance
Cinema prophesises that, unless one of the aforementioned threats wipes us out first, it is inevitable that, at some point in the future, someone will invent time travel. And though a few will use it to explore the unknown wonders of the future, most will just travel back to dick around with the past.

Therefore, those who are happy with their lot (bastards, as some people like to call them) might want to acquire some Temporal Divergence Insurance (TDI) to cover them in the event that some time-tampering tosspot changes a past event which consequently alters their present existence.

Since time travel’s paradoxical nature will hurt your brain if you think about it too much (would you be aware that someone had changed your past? Or would your experience change to fit the new timeline? Would any change affect the contents of your TDI policy? Would you even have a TDI policy if someone altered your past?) we recommend that you buy your policy from a TDI specialist who is trained in causality loops and the general mind-melting nature of these products.

Get To Know The Career Of A Business General Liability Insurance Broker

The business liability insurance broker is an independent insurance sales agent, who can survey several insurance company charges and policies to find the highest quality coverage for the company. Business general liability insurance broker are better capable to engage in cross-selling to customize insurance offerings to companies since different insurance businesses have separate focuses. The traditional agents work for just one business and are fixed to a limited number of products. A small company with few employees has different insurance requirements than a big corporation with thousands of employees.

Previously, business liability insurance broker spent a lot of time advertising insurance products. The Web has permitted for consumers to survey between many insurance offerings. These customers can now purchase insurance directly from the insurance companies. Computer technology has allowed insurance agents to finish applications and claims more quickly.

Commercial liability insurance covers personnel against personal slander and equipment damage from natural fire on location due to exposure. Commercial insurance can have many different types of insurance coverage: including business interruption insurance; general liability insurance – nonemployee damage on property; worker`s compensation – employee accidents; health insurance and disability insurance – loss of wages due to accident. A general commercial insurance covering a number of these different policies, under one heading, is called a business owner`s policy (BOP).

Since many states demand folks to purchase insurance, there is a group of residual insurance, whereby insurance companies are forced to cover the most dangerous folks and spread out any losses across the whole industry. There is also residual value insurance, which covers real estate reductions falling below the insured estimation.Business liability insurance broker must process reports, maintain records, sell and process claims. These insurance agents must visit client sites.

The United States Department of Labor documents that insurance sales agents are projected to see an above average rise in jobs to the year 2016. There were 436,000 insurance sales agents in the United States in 2006. An estimated 26% were self-employed with a median average income of $44,000 for 2006. Most were paid on commission. An average 13% growth rate until 2016 is projected.Business liability insurance broker must obtain state licenses for negotiation of insurance products. Coursework includes technical aspects of insurance, procedures, finance, economics, mathematics, accounting, business law, marketing, business administration, psychology, sociology, public speaking and computers.

Passing a test thereafter is demanded. Some business liability insurance broker schools offer Insurance Bachelor’s Degrees. Some business liability insurance broker begin as customer service representatives and are elevated. College graduates with majors in finance are preferred.

Business liability insurance broker must have sales and communication skills intermixed with insurance understanding. A sales background or specific wisdom in a certain market are also very helpful. An internship is important to learn specific insurance procedures. Continuing education focuses on keeping commercial insurance brokers up-to-date of latest laws.

Blog Design: 7 Tips

Most blog platforms come with some basic blog designs. They may call them templates or themes or something similar, and usually they are not bad although some customization is pretty common. I often see some common mistakes, and hopefully you will be able to avoid them after this discussion.

1) Include an “about me” page or at very least have information about you in your sidebar. Make it prominent and make it truly about you, not some resume-like page.

If people find your blog and like what you have to say, they’re going to want to know something about you.

2) Have contact information easily visible: an email or maybe even a phone number. Your email can be displayed as a graphic to prevent spammers from harvesting it easily. You can always use a different address than your main address if you like. You could use a throw away address such as a yahoo or a hotmail address.

Visible contact information will make you seem more real and although people may occasionally contact you, it will be far less often than you might think.

Robert Scoble, one of the more popular bloggers on the planet, has his phone number listed and he doesn’t get that many calls. I have my number listed also, and I might have somebody call me every two or three months. When it’s that infrequent, it’s a pleasure to talk to somebody who has taken the initiative to reach out to you.

3) Include a picture of yourself. Blogs are personal, even business blogs, and people who visit yours will want to know what you look like. It’s also easier to built trust if your picture is visible. No, you don’t absolutely need a picture, but it’s strongly recommended. Sometimes people might think you are hiding something if you don’t have one.

4) Some of your blog posts are going to be much more popular than others (you may be surprised which ones they are). I call these your classic hits.

Don’t bury your classic hits, your most popular blog posts. Highlight them somehow. You might for example have a most popular posts section in the sidebar. That’s what I have, a most popular post section and I list my most popular posts based on the ones that are read the most.

Other people do it slightly differently. For example, Brian Clark at copyblogger.com has a “Popular Articles” in his sidebar and under that he lists his most popular blog posts. Yaro Starak, on his blog Entrepreneurs-Journey, calls his most popular blog posts “Popular Articles” and lists them at the very top.

Somehow or another highlight them. You might do something as simple as create a category called “most popular” and include popular blog posts in that category.

5) Don’t have a blog banner that is too big! The banner is the top portion of your blog that goes across the top. It might have a picture of you there, the name of the blog, perhaps some graphic — they vary quite a bit.

You don’t want your banner to be big. No one should need to scroll down to see your content. People decide really quickly when they first reach a Web Site, and that includes blogs, whether to read orleave.

6) Make sure your blog is visually appealing or at least not ugly.

Avoid bright colors. Stick to reasonable fonts like Times New Roman and Arial. Have someone with a good eye look at your blog, preferably a graphic designer. Everytime I start a blog and I’ve started dozens for myself, for friends, and for clients, I always get a graphic designer to at least look at it after I am done.

The problem is that it might look OK to you or me, probably neither having a particularly good eye nor appropriate training, but it still might look really ugly to others. Having a graphic designer take a quick look at it is good insurance.

7) Remove any random junk you have from your sidebar that serves no purpose.

Some blogs are just so busy: they have one, two, sometimes three sidebars just crammed full of all kinds of stuff. With some of it you wonder why is it there. What purpose does this serve? Now in my opinion calendars are a prime offender. What good is a calendar there? Some people like them, but to me they serve no purpose.

Empty space in a blog is not only allowable, but it’s a good thing. It helps focus eyes on what is important, which is your content and hopefully the few things you choose to put in your sidebar.

Most blogs start with a basic template which is then customized over time. These tips will hopefully help you that with customization and help you avoid common mistakes with blog design.