It is obvious to any successful life insurance agency that that orphan leads are important and should not be discounted If someone has purchased a service from you, keeping them happy and current can help both parties involved

For many insurance agents, the single employer welfare benefit plan is complicated and confusing at best The plans are cloudy, and many agents are waiting for the air to be cleared before they begin to introduce this to their clients

Granted, well-run, highly efficient insurance agencies are profitable While they take in money consistently, some agencies may have expansion plans and often seek funding for these purposes

Life insurance may seem like a no-brainer to those who have done the research and taken time to purchase a good policy However, there are many individuals out there who do not have life insurance

Due to the fact that market interest rates have been declining over a period of about five years now, the maximum valuation interest rate that can be used to calculate statutory reserves for policies of life insurance is probably going to decrease from the current rate of 45 percent for a long term life insurance contract to about 4 percent

Having the right amount of cash at hand became a basic human need long before it ever became income planning, according to a number of financial planners who were interviewed on the subject But now that there is a name for this process, these same financial advisors are saying that this is a huge and necessary discipline that will become a larger than ever part of the entire financial planning process from this point on

"Not a single week passes where someone does not ask me about the prevailing trends that are having an impact on today's insurance products," says Rene Lacape, Marketing Manager for eQuote Life Insurance "Increasingly, I have been answering by focusing on the risks that bear upon these products, including their marketing, their design and their implementation as well