Health Insurance Advantages To Look Forward To From Your Plan

No one can argue against the value of having health insurance but only some people can afford to pay the costs of an insurance premium that will entitle them to getting health insurance benefits either. Lucky are those who are admitted to get group health insurance coverage, either through their occupations or the insurance of other family members, as they only pay a fraction of the payment or nothing at all.
Is health insurance a blessing or a bane?

No one can argue against the value of having health insurance but only some people can afford to pay the costs of an insurance premium that will entitle them to getting health insurance benefits either. Lucky are those who are admitted to get group health insurance coverage, either through their occupations or the insurance of other family members, as they only pay a fraction of the payment or nothing at all.

However if the group insurance offered by your employer is restricted or it does not provide any insurance whatsoever, then the only choice you have is to obtain an individual insurance policy. Though, there are health insurance benefits given only to group insurance plans including affordability and extensive coverage.

Granting that individual health insurance is more pricey than a group insurance plan, you essentially have to take the bull by the horns and purchase one now for as much value as possible. For one, not purchasing a health insurance plan can be more expensive in the long term. By getting health insurance, you are actually protecting against the chance of getting injured later on and suffering medical bills in the process.

Before health insurance became common, patients had to pay for their own medical costs. Thanks to the advancement of health insurance programs, people can now rest assured knowing that in case they do get ill, they will be able to get health insurance benefits which includes:

Preventive healthcare

Depending on the insurance program you sign off on, you can anticipate your health plan to cover your routine healthcare like yearly medical check-ups and the likes. Almost all insurance companies believe in the wisdom of preventing sicknesses so they have incorporated preventive healthcare as one of the health insurance benefits.

Emergency healthcare

One of the essential health insurance benefits that almost all plans give includes emergency healthcare coverage. Persons are sensitive to illnesses and this is exactly the event and the risk which you have paid your health insurance premiums for. This can include coverage for medical procedures like severe injuries.

If you have faced getting sick then you can appreciate the health insurance benefits provided by several health insurance plans when it comes to medication. One pill required for your disease may be affordable yet if you have to take it three times daily for a seven days or a month then it becomes quite costly.

It is nevertheless important to inform you that not all of these health insurance benefits are given by all health insurance plans. The health insurance benefits you purchase will in fact depend on your health insurance premiums. Usually, but not in all cases, the more costly premiums have the highest number of coverage.

It is thereby important that you look over your insurance paperwork entirely before signing the contract. Make sure that the health insurance benefits talked about with you by your agent are specified in writing. OtherwiseComputer Technology Articles, you will be assuming coverage in areas that may not be paid for by your health insurance plan at all.

How To Find The Health Insurance

Health insurance strategy policy policy involves finding the smallest price amongst the guidelines that meet your needs as to system and protection. Selecting the smallest price is of course very easy. Determining whether the health insurance strategy policy policy’s system of physicians meets your needs is only a little more difficult.
Health insurance strategy policy policy involves finding the smallest price amongst the guidelines that meet your needs as to system and protection. Selecting the smallest price is of course very easy. Determining whether the health insurance strategy policy policy’s system of physicians meets your needs is only a little more difficult. Picking a health insurance strategy policy policy that protects you well can be complicated. Most of this article focuses on this place. These are the strategies that I use when helping a family discover good health protection in my home condition of Burglary. Most companies have websites that will record the physicians and hospitals that participate in their strategy. All that I’m aware of will have a printed record that they can mail to you. The right strategy will have your doctor on their record or at least physicians who serve your home place. If you travel it is important to discover a strategy that protects you well in other regional areas as well.

Health insurance strategy contracts may be the most complicated of the policies purchased by the average family. Understanding how your health insurance strategy policy policy will pay for your hospital bills can be difficult. Fortunately most of the brochures and outlines of protection that you may receive from a health insurance strategy policy provider will have an identical structure. They will have sections just like the following: What is Covered? Health Policy Exceptions and Restrictions What is Covered? This area will detail what surgical techniques your health insurance strategy policy policy will protect. The strategy should have a term like “reasonable and customary” or “usual, affordable and customary” or something identical when describing how much they will protect. A big record of techniques that the health insurance strategy policy policy will protect Better health insurance strategy policy guidelines will not record money amounts for each process. They will pay using an equation that is based on what other physicians or health care providers will charge you in the same regional place.

A term like “usual and customary” indicates that they use such an equation. The cost of health care rises so quickly that an amount of money that seems amazing today may not fully reimburse you even a year from now.Solid health insurance guidelines will not have a lot of techniques that they will protect listed in the strategy. The lengthy record seems amazing because the record takes up a lot of space. Look at the statements below. It should be easy to choose between one and two. “Our health insurance strategy policy policy will protect you for everything except for costs due to self-inflicted accidents and drug abuse.” (“I’ve been to every condition in the union except Alaska.”) Health Policy Exceptions and Restrictions This area will tell you what is excluded. Typically elective surgery will not be protected. Also experimental techniques and costs due to self-inflicted accidents will not be protected. You should understand each of these exclusions and limitations before you commit to a strategy. Most guidelines will not include pregnancy insurance strategy, so if you want to get pregnant, make sure that you know how your strategy will protect pregnancy costs. UnfortunatelyArticle Submission, pregnancy insurance strategy is not available in many states except as part of a group insurance strategy policy.

The Latest Money Saving Group Health Insurance Strategies for California Employers

1. Health Savings Accounts (HSA)

This is a strategy where the employer buys a health plan with a large deductible. Typically, these are groups that are coming from a plan with a very low deductible. Since the higher deductible plans are usually much less money, the money saved is used to put into the employee’s “Health Savings Account.” The money in this account is used by the employee to pay qualified medical expenses. If it’s not used, the money rolls over to the next year. The money belongs to the employee, even if they leave the company.

2. Health Reimbursement Arrangements (HRA)

This is very similar to the HSA above but a portion of the qualified medical expenses not covered by the insurance is “pledged” by the employer, that is, the employer only spends the money, if there is a portion of the bill not paid by the insurance. This would be more favorable to the employer since on an HSA the money goes to the employee, whether there are claims or not. The problem with HRAs is that there are very few carriers that offer them right now.

3. Medical Reimbursement Accounts

This is very similar to HRAs above and extremely flexible. It’s otherwise known as partial self-funding. Employer buys a larger deductible and if the employee uses up that deductible, the employer pays all or a portion of it, depending on how a pre-arranged agreement is written. This goes for other expenses not paid by the insurance. The idea is that the employer self insures the typically smaller expenses with their own cash, (presumably, the savings in premium dollars from going to a higher deductible.) The downside to this is that many carriers prohibit the use of this strategy with their plans. It can be very effective but make sure you use an experienced third party administrator as there may be some legal and tax documentation required. Otherwise known as Section 105.

4. Kaiser.

More and more groups are moving to Kaiser. It is typically, benefit for benefit, less money than just about every other plan. Kaiser is spending billions on the future and their quality control is promising.

5. Offering Blue Cross and Kaiser side by side. Blue Cross has a new program where only five employees need to enroll with Blue Cross. The rest can be with Kaiser. This is a ground breaking opportunity in flexibility.

6. Blue Cross Elect. Blue Cross has a portfolio called Elect with 16 plans in it comprised of HMOs, PPOs, and an EPO plan. Each of these plans is priced from low premiums up to a much higher premium.

The beauty of this program is that Blue Cross allows the employer to “define” how much premium they are willing to pay towards an employee’s cost. For example, Blue Cross offers a $10, $20, $25, $30, $35, and a $40 copay PPO plan. The $10 plan is the most expensive of this group.

After viewing all of the premiums for the various plans, the employer can establish, arbitrarily, which plan they are willing to pay, say the employee only premium for. In this case, let’s say it’s the $25 copay plan. The employee can buy the $25 copay plan and it doesn’t cost them anything. However, if they want the more expensive $10 copay plan, the employer would payroll deduct the difference in premium costs.

Let’s say they have dependents they want to cover but the employer only wants to pay for the employee only. The employee could take the lesser expensive $40 copay plan, and use a little bit of the savings to help them with the costs of adding their dependents.

This has been a highly successful program because it gives the employees a greater number of choices, helping the employees be more definitive in their costs and needs, and at the same time, allows the employer to more efficiently define their costs.

This information is time sensitive and can change at anytime. If you have a question or need more information, please contact me at [email protected] – Todd Rich

Todd Rich is an expert on California Small Group Health Insurance Plans and has written four books on the subject. To learn more about Todd and his books, please visit [].

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Farm Health Insurance

Farm Health Insurance is certainly a priority for any individual who finds their livelihood from farming or working the land in some form. Working and living on a farm might just sound like the ultimate in wholesome existences. Nevertheless, you will find only two occupations which are much more hazardous; working in mines deep underground and truck driving.

In Australia, it has been noted that an average of 85 farm injury deaths happen each and every year. With regards to injuries, you will find between 20 and 60 percent of all noted instances every year result in hospital remedies and/or stays. Nevertheless, that doesn’t cover the total number of injuries that really happen on a yearly basis. Back ailments, fractures, and cuts, which patients do not report to insurance providers, hospitals, or workers ‘ compensation, aren’t included in this number.

The repercussion of farming injuries goes a lot further than you might understand. Not just will be the individual who’s injured unable to function and is most likely in a lot discomfort; there’s also a big price to the farm economically. Farmers wind up paying the cost for injuries numerous methods. This is particularly accurate if there’s no Farm Health Insurance obtainable for workers.

There might be delays in obtaining any needed farm function accomplished if a farmer or specialized worker will be the one inflicted with the injury. There’s the requirement to pay for medical remedies and feasible rehabilitation like physiotherapy, for instance. The price for hiring replacement workers and their wages requirements consideration.

Any reported incidents can result in greater individual accident or disability for members of the farming business. In instances where there have been reported incidents of injury can result in greater workers’ compensation premium fees also.

Farmers make sure they’ve protection against any feasible farm injuries, not just for themselves and their families, but for any employees also. This consists of a great safety and well being management program and training for everyone involved. The pertinent info for this is obtainable from the occupational well being and safety regulatory bodies inside your state. It’s also of the utmost significance to create certain you’ve an adequate Farm Health Insurance strategy also.

You will find numerous insurance businesses in Australia that may cater to your precise requirements. All it takes is some time to make sure you’ve all your requisites included in any policy you select. With farming becoming such a labour-intense occupation, most insurance brokers will gladly come to your farm directly to offer help together with your farm health insurance strategy.

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Private Health Insurance Vs Public Care

Australians are lucky when it comes to health care. When illness or injury strikes, there is no question regarding your access to health care, whether or not you own private health insurance.

The Australian government guarantees that everyone is entitled to Medicare to help cover many medical needs; but few people realize what the limits of their Medicare coverage are, and where private health cover fits into the equation.

When you don’t have a solid understanding of the difference between what Medicare covers and what your health insurance covers, it’s difficult to make the best decisions for yourself and your family when it comes to planning for the future and protecting your finances if an unexpected illness or injury disrupts your lives. By comparing health plans, you can get a better idea of how much private health coverage actually costs, and what it can do for you.

Who needs private health coverage? Doesn’t Medicare cover all of your health insurance needs? What if you’re a young couple or family with no reason to worry about health issues?

It’s important to start by understanding how Medicare works, and what coverage it does and does not provide.

Medicare was introduced in Australia in 1984 as the country’s public health cover system, guaranteeing access to free or low-cost medical and hospital care for every Australian citizen and permanent resident.

The Medicare system offers access to a public hospital and treatment by a hospital appointed physician. While Australians receive excellent care through the Medicare system, there are little to no options when it comes to selecting the hospital in which you will be treated, or even when you will be admitted.

Under Australia’s Medicare program, any treatment that does not fall into the “emergency” category is considered to be elective, which places patients on a long public hospital waiting list to be seen.

Australians can improve their health care situation by purchasing private health cover to augment Medicare, which you retain even when your private health plan takes effect. When your health insurance strategy includes a private policy in addition to Medicare benefits, you have the option to choose treatment as either a private or public patient in a private or public hospital. The decision is up to you.

People with private health coverage earn choice and flexibility when it comes to their own care. Your health insurance allows you to choose the physician or specialist responsible for your treatment, the schedule for admission to the hospital for treatment, and quicker access to any elective surgery you may be having.

Your insurance will cover most if not all of those costs that Medicare does not pay, and you can avoid waiting on a public hospital list for the treatment you need.

It’s important to check with your insurer and read your policy details before you schedule a hospital stay to be sure your health insurance covers your particular procedure.

When it comes to receiving treatment outside of a hospital, Medicare will cover 100 percent of the cost to visit a general practitioner, specialist, or medical center. In fact, your private health plan cannot by law pay for costs incurred when visiting a physician or specialist outside of a hospital.

Still, there are plenty of medical services that Medicare does not cover, but your health insurance can, including:

– Physiotherapy.
– Chiropractic services.
– Remedial massage.
– Psychology consultations.
– Ambulance.
– Most dental exams and treatments.
– Hearing Aids
– Glasses and contact lenses.
– Podiatry.
– Certain therapies including occupational therapy, speech therapy, and optical therapy.
– Natural therapies like acupuncture and homeopathy.

If you or your family needs or wants access to these services, your private health plan can include coverage for the specific treatments you will be seeking.

The best way to make realistic decisions regarding your family’s coverage is to first make sure you have a good understanding of Medicare. Determine what coverage your family needs according to your age, lifestyle, and whether or not any preexisting conditions need to be considered. Compare health insurance policies to find the best coverage to fit your needs and your budget.

Speak to an insurance consultant and ask for a thorough explanation of all the benefits available to you, both through Medicare and your private health insurance. No one can put a price on the health and financial well-being of their family. Augmenting your Medicare benefits with private health coverage in an excellent way to achieve financial protection and peace of mind.

Author Liz Ernst writes on health insurance matters in Australia and the U.S.

Private health insurance is a cost Australians should consider factoring into their budget. Different funds have products that better suit different groups of people. Visit the Your Health Insurance website ( to compare pricing and policies, and learn more about buying health insurance in Australia.

It really does pay to compare health insurance plans.

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Supplemental Health Insurance – 5 Reasons You May Need It

Congratulations! You have a job that provides health insurance benefits as part of your compensation plan. In today’s economic world, having these benefits may make you feel as though you’ve won the lottery. But before you pop the champagne, take a minute (or an hour) to read over your policy. There is a good chance that your employer has had to make some compromises in the coverage in order to provide the policy at all, so you may find that you are responsible for more of your medical expenses than you had thought. This is where supplemental health insurance can be life-saver (or at least save your savings account).

Supplemental health insurance, or “gap” insurance, is a secondary policy that pays for out-of-pocket medical expenses not covered in your primary plan such as deductibles and co-payments. Some supplemental policies even pay you a cash benefit for lost income due to illness or injury.

If you fall into any of the following five categories, you may want to think about supplemental insurance as part of your overall health insurance strategy.

1. Are you self-employed? If so, you aren’t covered at all by an employer’s health plan and you need to provide all coverage yourself. For your primary insurance, you may want to consider a catastrophic policy — which only covers major medical events and requires you to pay for office visits, prescriptions, and other minor medical care — but which comes at a much cheaper cost than comprehensive health insurance. A supplemental policy would help cover your out-of-pocket costs, and perhaps more importantly, provide a cash benefit if you become too ill or injured to work.

2. Are you responsible for your family’s health care? Remember, each person who is on your primary health plan is subject to an individual deductible and co-pay maximum, making your out-of-pocket expenses larger than an individual’s health plan might be.

3. Do you lack savings? If even a few weeks off work could mean financial disaster for your family, you may need additional insurance to provide cash benefits. These cash payments can be used to make mortgage payments and buy groceries when you’re off work because of illness or injury.

4. Are you concerned about the risk of cancer? There are certain supplemental policies that provide cash benefits to policy-holders for cancer treatments and the related expenses of treatment.

5. Do you have a pre-existing medical condition? Most health insurance plans will not provide benefits for medical conditions that existed before coverage became effective. However, a supplemental policy can sometimes be purchased to specifically cover a pre-existing condition. Not all insurers offer such coverage, but with careful shopping, you should be able to locate one to meet your needs.

As you can see, supplemental coverage is not always necessary for those who are fortunate to have a comprehensive primary policy. But for certain situations, a supplemental policy can be the difference between financial disaster and financial health.

If you are interested in shopping for supplemental health insurance [] you can obtain multiple online quotes at the website recommended below.

Barb Dearing is a freelance writer, specializing in topics that help consumers save money in a variety of areas. She recommends the following website for consumers seeking multiple health insurance quotes: []

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The Evolution of A Health Insurance Firm

Everybody knows that medical insurance protection has altered over the past numerous years, however there are still many individuals who do not yet realize the complete impact of the Affordable Care Act, also referred to as Obamacare.

One of the industries that have been significantly affected, is the health insurance industry. Ever since Henry Kaiser executed health insurance for his employees in the 40s and Equitable Life offered the first group health insurance policy about the exact same time, we have been covered for the costs of seeing the doctor and going to the hospital by personal insurance business.

One huge problem with that system was that people who had illness that were deemed uninsurable, were not able to buy adequate coverage, and lots of could not buy any at all due to the fact that they did not certify. However, lots of employees have actually been covered through their companies, and millions more through private medical insurance policies purchased directly through medical insurance agents or medical insurance agencies.

There was never ever any real effort in the insurance industry to build profession companies specializing exclusively in health insurance. Rather, the capability to market medical insurance for the specific market, and group medical insurance came from existing life insurance firms, and existing property and casualty representatives.

These agencies included individuals who had, or who might develop the relationships and contacts with individuals, professionals, and business owners to whom the health insurance strategies existed.

Even with a fairly concentrated effort to reach those people who required coverage, by the time The Affordable Care Act entered into being, there were still around 30 million Americans who continued to be uninsured for medical insurance.

Now, the whole landscape for the distribution of health insurance has altered. Now, instead of medical insurance being delivered entirely by private enterprise, it is managed and only policies that are authorized by the Federal Government are allowed to be sold to the consumer.

At first it appeared that the licensed agents were being edged out by Obamacare, due to the fact that the companies who sold the bulk of the health insurance in America were needed to raise their reserves which backstopped possible future claims, to a level that however removed representative commissions. This brought their commissions down to a level where many representatives and firms were eliminated of company. There was just no other way that a company or an agent who focused on medical insurance alone, could move forward with that particular economic design.

Now it is apparent that agents remain in fact a primary driving force in the sale and application of the AFA, as proven in California where 60 percent of the enrollees in the state exchange were registered by representatives over the efforts of the employed federal government navigators and call center personnel.

Now, the insurance coverage companies, companies and agents have formed new unions, where cooperation and strength in numbers have actually served to create new principles. These cooperative efforts by agencies who deal with marketplace registrations along with ancillary health insurance that can cover the very high deductibles that Obamacare offers are proving to be really effective with great results.

Obamacare is a new age of approach which resembles it is here to remain. It has actually afforded individuals who were uninsurable before the act, a method to be covered, despite their health. Health agents and health agencies are creating methods to offer the very same services that they were providing before Obamacare, while having the capability of dealing with enrollments for Obamacare and other helpful items to support Obamacare.

Read through this fantastic web site for more information – homeowners insurance calculator

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Insurance Marketing: Creating a Successful Marketing Strategy for the Insurance Industry in Sierra Leone

A common perception about insurance in most African countries is that carriers generally fail to honor policy contracts when insured losses occur, and in most cases resort to fine prints embedded in these insurance contracts to either deny claims or substantially reduce claim payments. Such is the refrain heard not only among insurance policyholders and customers but with alarming regularity from the general public, thus resulting in the adverse and low penetration rate of insurance products and services in most African countries.

Though several factors can be readily identified as drivers of this perception including the lack of adequate understanding of the insurance contract, its terms and conditions, limitations, coverages, exclusions and deductibles including the legal and regulatory framework in various countries; the focus of this article is how the role of insurance marketing and sales, including its technological, regulatory and management strategies, can be utilized as an effective educational vehicle in changing not only the above perception but making the claims process more transparent and beneficial to the policyholders.

There is thus a direct corollary between the marketing of insurance, the technical knowledge of the agent, the types of coverages and policies available and whether a claim is denied or underpaid in the event of an insured loss.


For decades the marketing of insurance products and services in Sierra Leone has hinged primarily on the “direct agency” method, wherein companies employed agents earning salaries or as independent contractors being paid commissions on sales to merely sell and market their products. The marketing of life insurance products, property and liability policies such as fire, marine, accident and allied policies were always mostly marketed by these company agents.

For example, while I was employed at the National Insurance Company (NIC) 1981-1985, the company’s sales cadre was its marketing officers who sometimes with little or no technical knowledge of the intricacies of risk management and the insurance products coverages merely sold policies as commodities. The unpleasant task most often in advising policyholders that their claims were not covered under the terms of the insurance contract generally was our responsibility in the claims department. By then, it had become too late to remedy as the right coverage was not either sold to the policyholder by the agents or alternative umbrella policies that could have covered whatever gaps existed in the sold policy were not made available or explained to the policyholder. Mostly issues of lack of coverage, adequacy of coverage for the losses claimed resulted in denial or underpayment of claims.

The sales function of these agents revolved mainly around the marketing of products or policies with little or no product differentiation or creativity in their design and marketing to meet the contemporary risks confronting a country such as Sierra Leone, emerging from a decade long civil war and longing for creative policies to address her developmental aspirations.

For example, the old “Kebbay” insurance syndrome, practiced in Sierra Leone where an insurance company became so notorious in the practice of collection of motor premiums from customers without any concomitant claims payout when accidents occurred. Such a practice as prevalent in the Sierra Leone Insurance marketplace of the 1970’s through 1990’s most be prevented from rearing its ugly head in today’s marketplace.

Marketing as defined by the American Marketing Association (AMA), is the performance of business activities that direct the flow of goods and services from the producer to the ultimate consumer. Property, casualty and liability insurance marketing however not only includes the traditional marketing sales function but incorporates services such as customer needs analysis, market segmentation, product development and distribution that must be incorporated into a successful marketing mix.


A fundamental principle of insurance marketing dictates that insurance products and policies must be marketed and sold primarily on the basis of the need for security and the ability of the insurance product and policy to provide adequate financial security from fortuitous losses. Moreover, new sources of production of business that includes new ways of selling old traditional insurance policies and products, in conjunction with the marketing of new services, such as risk management, loss control and loss adjustment services should be pursued by insurance companies.

However, in some lines of insurance, a governmental-legal or regulatory compulsion to insure is the driving factor. For example, purchase of automobile liability insurance is required by law in most jurisdictions the world over. The recently advocated proposed requirement of a title insurance policy in real estate transactions in Sierra Leone and a national health insurance or workers compensation insurance policy are all examples of such a legal mandatory requirement.

To a large extent these have and continue to be the principles and services absent in the marketing mix of insurance products in Sierra Leone, thus resulting in recent spectacular failures in the introduction of new products and or failures in the market penetration of various new diverse policies into the insurance marketplace. As an example, the failure of various insurance companies including the spectacular failure of the country’s largest insurance company, the National Insurance Company (NIC) to effectively introduce and market a national health insurance policy (NICARE) since 2004 is a case study of a monumental marketing failure requiring analysis in a future article.


To be successful however an insurance producer/agent must develop other skills in addition to the sales skills to include:

1) Technical expertise in insurance principles and coverages- as customers usually depend on their agents for guidance in selecting the proper combination of insurance products and identification of gaps in coverages.

2) Skills in the analysis of consumer needs through risk management identification techniques and the tailoring of insurance programs are a prerequisite.

The first step in managing a consumer’s risk needs is through the identification and analysis of the loss exposures to which a customer is exposed or subjected to through an insurance survey. The agent must educate and be able to impact sufficient knowledge of the client’s loss exposures and available coverages and other non-insurance transfer mechanisms to the customer.


Generally, the concept of sales management in insurance involves the active participation and direction accorded the sales force by management in ensuring the nature and amount of business desired by the insurance carrier. This entails the determination by management of:

1) The segments of the available market that can be reached most effectively by the company’s agents.

2) The nature of the product/policy that will be most appealing to the selected market segments and most profitable to the insurer.

3) How best to select, train and motivate producers/agents to sell to the selected market segments.

The selection of geographic, demographic and or industrial segments of the market to target in the marketing of insurance products ensures effective market segmentation and effective use of resources. The demographic groupings may be further delineated by such characteristics as age, income, occupation and sex.

With the utilization of such a technique for example, diverse insurance policy coverages covering health, medical, accident, disability and workers compensation to name but a few, could be tailored and offered to such segments as civil servants, parliamentarians, teachers, college lecturers, healthcare providers, Okada riders and farmers throughout the country. The same could apply to the security segment including policies specifically designed to meet the needs of the military and police forces.

Moreover, through utilization of product differentiation techniques in its marketing mix, an insurance carrier can maintain and increase its market share. These can be accomplished by changing the standard coverage provisions in the contract; charging a different price and by providing a different level of service than the competition.


With the gradual installation of computers in insurance companies in Sierra Leone, new technologies are poised to play a major role in the coordination of marketing strategies, planning and studies including new products and services, consumer attitudes, market potentials and sales forecasting. The use of computers for not only accounting, statistical analysis and rate making and issuance of policies and endorsements but also insurance marketing must be vigorously pursued by individual companies.

The establishment of a marketing database by insurance companies separate and apart from the underwriting and claims databases must a step in the right direction in implementation the new marketing strategy.


The challenge thus facing the local industry is the need for diversification of insurance products better tailored and suited to meet the needs and development of the country. For while the insurance industry can play a very significant and critical role in a nation’s developmental process, the challenge currently being faced is how our insurance professionals respond by creatively introducing insurance policies, instruments and marketing techniques to serve as a basis for the country’s sustained economic development.

In the United States there are four distinguishable systems for marketing property and liability insurance. These include:

Independent agency system.

The exclusive agency system (also known as the captive agency system).

The direct writing system.

The direct mail system.

The system primarily in use in the Sierra Leone insurance market is the direct writing system wherein individual carriers employ their paid agents and employees to exclusively market only their policies. However, if the insurance market in Sierra Leone is to survive and grow, as new players and products such as the national health insurance scheme and the national title insurance scheme are introduced into the marketplace, then the development of a new bred of producers, agents and marketing systems must be pursued to forestall the failures of recent new policy introductions. These must include and incorporate the direct mail, agency and technology systems.

To effectuate this new marketing goal a sales force must be recruited and trained into the intricacies of the insurance business and policies being introduced and marketed with realistic production objectives, marketing policies and strategies and implementation of an advertisement and promotion campaign.

Knowing About the Best Health Insurance Companies in Dubai

Health Insurance Companies in Dubai offer strategies that pay the beneficiaries of the strategy when the guaranteed individual ceases to exist. They additionally offer annuities that guarantee a retirement salary after clients pass the age where they have the capacity to work relentlessly. Health protection executors offer strategies that blanket therapeutic expenses, incorporating dental arrangements and incapacity arranges. Property protection executors offer approaches that secure clients against the robbery, pulverization, or misfortune of their homes, autos, and resources.

Health Insurance UAE offers protection of any sort must be authorized by the state in which they practice. Protection deals operators who are attached to one organization are regarded as hostage executors; self-steered, or free, protection operators are agents who speak to numerous organizations and have admittance to a more terrific number of arrangements and rate structures subsequently. In either case, protection bargains operators must arrange reports and protect records for each of their customers.

The triumph of Health Insurance Agents hinges on upon capability to enroll and hold clients and also his status around his social gathering and customer base. One of the troubles intrinsic in the protection business is the sheer number of alternatives accessible to customers; individuals have a tendency to purchase protection and take protection guidance from somebody they discern as being reliable.

Health Insurance essentially blankets the expenses identified with the social insurance expenditures. Unique cases gets security with expenditures identified with any sort of discriminating sickness that might lamentably strike one in the future. The Insurance arrange may be obtained by a singular or a conglomeration. In both the cases, an altered aggregate of premium is paid towards the insurance arrangement acquired.

There are various health insurance companies in Dubaioffering Insurance arranges. As of late, Dubai Health Authority presented an Insurance program for all the administration laborers and their wards. It will blanket the sicknesses proceeding for quite a while, prior medicinal conditions and key dental consideration. The individuals who are not a legislature apply additionally have various choices concerning obtaining Insurance arrangement in Dubai. Organizations like Allianz Worldwide, America Life Insurance Company, and AXA Insurance and so forth are the different organizations that are furnishing Health Insurance in Dubai. Individuals who are relocating or have relocated to Dubai likewise have an alternative of obtaining Insurance.

There are diverse sorts of Health Insurance Quotes accessible In Dubai. All the potential purchasers of insurance have a clutter of decision concerning both the insurance supplier and the sort of insurance approach fitting for one. The different sorts of arrangements are Individual health strategies, health approaches for aggregations, family health approaches, voyage health approaches, discount insurance approaches and so forth. In the past, the local individuals of Dubai used to view any sort of insurance as betting. However, with the impacts from the western nations and acknowledgement of the way that while betting is implied for private benefits although insurance is for giving fiscal security to the friends and family of the strategy holder, the amount of health insurance clients has expanded altogether in Dubai.

Sales Scripts – 5 Cold Calling Strategies

If you have been in sales any time at all, one of the biggest challenges to new salespeople is the telephone. The fastest way to cover a lot of ground quickly is by telephone. A new salesperson receives a cold call script, and a telephone and is asked to contact as many people as possible and follow the sales script. This has been the norm for some time. The sales scripts are designed to lead the salesperson down a path to setting the appointment, selling a product and so forth.

In a cold call environment the major problem is, the writer of the script is not the caller, therefore, it is extremely unnatural for the new salesperson. Their voice gets louder and they start talking faster until the person on the other end of the phone simply hangs up. The salesperson then usually goes back to the manager and says “This sales script must be off. Its not working.” The real problem is that you are trying to force a square peg into a round hole. Below are 5 ways to win with cold calling.

1.Understand that most sales are made by a problem being solved. Recognize the problems your clients face, and speak to the person on the other end of the phone in those terms.

2. Prioritize your potential client’s biggest problems and talk to them in that vein. Throw your script away and focus on having a conversation with someone who has a problem you can solve.

3. Be yourself. The script is written to say things the way of the script writer not necessarily the way you would say it. For example, if you are selling health insurance, The approach scripted may be, “If I could save you money on your health insurance, would you be interested?” Rather, try addressing the problem. Bob I run across a lot of people who either don’t have health coverage or can’t afford it any longer. Do you know people like this? Trust me you will start a conversation. Focus on the problem to start a conversation, then you can offer a solution. Be yourself. Say things the way you would say them. After all, you are just having a conversation.

4. Slow down. One of the natural inclinations is to talk fast. Why? Because you want to get your pitch out before they have a chance to hang up. You can do both talk slower and have a conversation about a problem.

5. Do not come across like a telemarketer. Most people do not like telemarketers. If you don’t like them, ( I am assuming you are like 99.9% of the population) do you think the people you are calling do? Again be yourself.

When you simply focus on having a conversation the way you would if you picked up the phone and called one your friends, the nervousness and the anxiety will fade away and you can move on to becoming the sales leader you were meant to be.