What Your Insurance Company Won t Tell You. Hurricane Harvey Edition
|
|
- Lee Gilbert
- 6 years ago
- Views:
Transcription
1 What Your Insurance Company Won t Tell You Hurricane Harvey Edition 1
2 Contents Introduction 3 1. Minimizing Your Claims Is In Their Best Interest 4 2. Your Insurance Adjuster is on Their Side 5 3. They Count on Your Ignorance About Everything You Lost 6 4. Most People Settle for Less Than the Maximum You Deserve 7 5. You Can Hire Third Parties to Help You 8 Conclusion 9 2
3 Introduction The recent landfall of Hurricane Harvey may have you thinking about your own insurance policy. Recent estimates place total damage from this hurricane at over $180 billion and it could potentially topple Hurricane Katrina as the costliest natural disaster in history. For some, this is the biggest financial loss that will happen in their lifetime. Most people go directly to their insurance company to solve the problem. But that is only half the battle. You may think that your insurance company is on your side but unfortunately, for most claims this is not the case. That s why people hire loss experts to maximize their claim returns and work with insurance on YOUR behalf. Think about it, when you have tax issues, you hire a CPA, legal issues are handled by a lawyer, but who do you hire for a disaster like this? A certified public adjuster. Doing so has netted policyholders much more than the insurance proposed to pay. In this short ebook, Strategic Claim Consultants will discuss the policies, strategies, and tactics that insurance companies don t want you to know. By employing these industry secrets, insurance companies often avoid paying out what they owe to their policyholders maximizing their profits while minimizing your settlement payout. So read on and learn how to use the secrets of the insurance companies to fight back! 3
4 1. Minimizing YOUR Claim Is In THEIR Best Interest Your insurance agency provides a contracted service. You pay the premium. They provide coverage. All insurance agencies attempt to be clear on what they do and do not cover. This has two problems. First, insurance policies contain many pages of information. Much of it is difficult to understand. Policies contain pitfalls and compliances that consumers need to be aware of. Yet due to the complexity, many policyholders do not read their policy completely. Insurance agencies are counting on the ignorance of the policyholder when it comes time to settle. This means the chips are often stacked against the consumer. This leads to the second caveat. Second, insurance agencies must protect their own interests while attempting to protect yours according to the contract. This is a challenging balance to maintain for any business, regardless of what they sell. For this reason, insurance agencies are affected by the same thing you are: personal bias. You are biased toward the perceived value of your property. You believe it is worth one value. Your insurance agent is biased toward the interests of the company which employs them. They believe your property is worth a different value. Therefore, minimizing the value of your claim is in the best interest of their company. This does not mean that insurance companies will always try to deny your claims. Figured into the valuation of your property are the risks associated with potential lawsuits, which your insurance agency wishes to avoid. Therefore, it behooves them to walk the fine line of settling your claim in a way that makes you happy, as well as their shareholders. Often times this means you feel pressured to settle for less. You may not be aware that you don t have to settle this way. 4
5 2. Your Insurance Company s Adjuster is on Their Side If your home or property is seriously damaged by a natural disaster, your insurance company will send an insurance adjuster to examine the damage, and determine what coverage you re entitled to. These adjusters are normal people just like you. They have a job, just like you. But their job is to assess your damage, put a value on it, and settle the claim quickly. All adjusters have a bias toward their company s interest. Their job is to assess and value the damage as they see it. Often, they are inexperienced, especially in natural disaster. Many insurance agency adjusters and independent adjusters are catastrophe adjusters. But they are not nearly as equipped to handle catastrophic losses as a public adjuster. All adjusters require one important thing to justify the settlement amount: data justification. Consumers must provide tangible, documented proof on what was lost. This documentation comes through an inventory, pictures, video, etc. Adjusters must vet the evidence in order to determine what they consider legitimate and what is not. The goal of this process is to determine the most accurate value of the property loss. At the end of the day, your insurance company s adjuster has the most influence in determining that value. This is why you need third-party representation through a public adjuster. They represent YOU. 5
6 3. They Count on Your Ignorance About Everything You Lost Do you remember every single item that was in your home? You remember those things that carry sentimental value. Or the things you paid a premium for. But how about the contents of your bathroom cabinets or kitchen drawers? Even paper clips and cotton balls carry a replacement value! Insurance agency adjusters capture all larger items, as well as items you can remember. But what if you can t remember everything? Insurance agencies are counting on your ignorance about the list of items you lost and the value you believe they had. If you don t know what you lost, and if you don t know the value, you have no choice but to allow the insurance agency s adjuster to determine that for you. Ultimately this means you will more than likely settle for less than the actual value. This is why it s absolutely critical to keep a log of every single possession in your home. If you have not yet been hit by a disaster, having such an inventory on-hand when something occurs will be incredibly helpful in maximizing your insurance payout. When you know the value of your property, and can provide proof as to the value of the damaged items, your insurance adjuster will have no choice but to submit a more accurate, well-documented claim. Hiring a third-party representative, such as a public adjuster, means helping you walk through the entire process, from start to finish, making sure to capture everything. Getting this kind of help is the difference between settling for less and settling for what you deserve. 6
7 4. Most People Settle For Less Than the Maximum They Deserve Here s another secret insurance companies don t want you to know: they know that you re human. In a time of disaster you are extremely vulnerable in many ways, including psychologically, emotionally, mentally, and financially. You are frustrated, anxious, angry, and scared. Reacting in these ways is what it means to feel like a human. Insurance agency adjusters have one mission when they connect with you after a disaster: help you get back to normal. As fast as possible. But here s an important question to consider: who defines the definition of normal? Consumers settle for a different definition of normal because, more often than not, they fell into a trap. The trap is believing by default that the insurance company will take care of everything with thoroughness. Yet here s the raw fact about adjusters and disasters: adjusters get overwhelmed and exhausted with the volume of claims. And what does this mean? Insurance adjusters are humans, too. When their volume of losses increases, so does their weariness. And so does their attention to detail. As a result, they will miss things. In fact, depending on where you were in in the queue of all the other customers, they may be completely exhausted by the time they reach you. Because they are human, you will receive less quality care and attention which will translate into a lesser settlement amount than you deserve. This is why you hire a strategic claim consultant to work FOR YOU! Public adjusters take the headache out of dealing with your insurance company. 7
8 5. You Can Hire Third Parties To Help You Your insurance company s adjuster is there to take care of you. But they also serve the interests of their employer. Hiring a third-party representative is a great idea to protect your interests. If you decide to investigate this route, you have options. Finding a good public adjuster may be hard, as we ve stated. And that s why we ve taken the time to explain what you have to lose as well as what you have to gain in the awful event of a disaster. A private, third-party firm like Strategic Claim Consultants will help YOU navigate the tricky, complex process of filing insurance claims. Services from third-party firms, like Strategic Claim Consultants, can include: One of your options is a public insurance adjuster. Public insurance adjusters work for your benefit. They do not work for your insurance company. Typically, these claims adjusters are administered and certified by the state. They can legally represent the rights of an insured party during the claims process. Hiring a public adjuster is not hard. Finding a good public adjuster can be challenging. How do we define good? Such a public adjuster is able to: Increase your claim amount by 40-60% of your insurance agency adjuster s amount. Take away the burden of time constraints. Offer expertise around the process for a thorough and quality claims experience. Expedite the claim settlement. Policy review and advisory of property values Assistance fulfilling policy requirements Proactive claim management for maximum insurance payout Careful, professional loss evaluation Itemized, comprehensive claim packages delivered to insurers Representation at all meeting with insurance companies. Clear, easy-to-understand communication throughout the process Essentially, a private firm like Strategic Claim Consultants can take over the claims process for you. With a deep understanding of how insurance companies operate, a private firm can help you maximize insurance payouts and speed up the payment process helping you quickly get the money you deserve. A public adjuster is paid when you are paid. Typical amounts fall within 5-15% of your overall settlement. When comparing the benefits above to that cost, and when comparing how much less you would be getting from your insurance company s adjuster, a public adjuster s services are a steal. That s what insurance companies don t want you to know that you don't have to go it alone! You can hire a public adjuster or a third-party consulting firm, and use their expertise to ensure that you get the money that you re owed! 8
9 Conclusion Insurance companies exist to offer policy coverages that assist you in your time of need, while simultaneously making them a profit. When that time of need arises, it s easy to trust that the insurance agency has your best interest in mind completely. This fact is why you need third-party representation. CPAs understand tax code. Lawyers understand law. Public adjusters understand insurance policy. Hiring a public adjuster helps ensure that you get the money you re entitled to without a long, arduous claims process. If you or a family member has recently experienced catastrophic loss due to a natural disaster like Hurricane Harvey or any other cause contact Strategic Claim Consultants today. Our team of insurance experts have decades of combined experience filing compliant claims and professionally analyzing damages and we ll work tirelessly with you to make sure that you get the money you deserve. Hurricane Harvey is our 26th natural disaster. So don t wait and don t fall victim to shady insurance practices. Get in touch with our team today to learn more about our rates, services, and more! Initiate Your Free Policy Review Today 9
10 YOUR Partner When Disaster Strikes Initiate Your Free Policy Review Today
I LOST EVERYTHING IN A HURRICANE. WHAT DOES MY FLOOD POLICY COVER?
I LOST EVERYTHING IN A HURRICANE. WHAT DOES MY FLOOD POLICY COVER? You have questions about your insurance coverage in Texas. We can help. In this guide you will find some of the most frequently asked
More informationWhite Paper. Quicker Claims Processing: Your Highest Priority Reaching the next level in customer satisfaction
White Paper Quicker Claims Processing: Your Highest Priority Reaching the next level in customer satisfaction Contents New Information Challenges Help Create a Perfect Storm 02 New Policyholder Expectations
More informationI HAD SEVERE DAMAGE FROM A HURRICANE. WHAT DOES MY FLOOD INSURANCE POLICY COVER AS FAR AS LOSS & DAMAGES?
I HAD SEVERE DAMAGE FROM A HURRICANE. WHAT DOES MY FLOOD INSURANCE POLICY COVER AS FAR AS LOSS & DAMAGES? You have questions about your insurance coverage in Texas. We can help. In this guide you will
More informationHayes Connor Solicitors
Hayes Connor Solicitors A jargon-free guide to: making a data breach group action claim with Hayes Connor Solicitors Why have we created this document? Making a data breach claim shouldn t be difficult.
More informationFirst Time Home Buyer Guide. Are you ready to learn the steps to homeownership?
First Time Home Buyer Guide Are you ready to learn the steps to homeownership? Is this your first time going through the home buying process? If so, don t worry, this guide is designed to answer any questions
More informationUNDERSTANDING AND PREPARING FOR BANKRUPTCY. Lewis & Jurnovoy P.A.
UNDERSTANDING AND PREPARING FOR BANKRUPTCY Lewis & Jurnovoy P.A. WARNING SIGNS If you are in financial trouble, you are not alone. At Lewis & Jurnovoy, P.A. we ve helped thousands of people just like you
More informationFREE White Paper For Small Business Owners
FREE White Paper For Small Business Owners Dear Friend, Seven Post-Recession Tax Strategies Business Owners Must Know And How To Leverage Them To (Easily) Increase Your Bottom Line: Closely-Guarded Tax
More information10 Common Mistakes Every Insured Makes. Joseph W. Watkins. Attorney at Law
10 Common Mistakes Every Insured Makes Joseph W. Watkins Attorney at Law You have an insurance claim. Times are bad. Something valuable in your life has been damaged or destroyed. Stress is high and it
More informationREFINANCING GUIDE Understand all your options, with our Refinancing Guide.
REFINANCING GUIDE Understand all your options, with our Refinancing Guide. 2018 ed. Michael Short 02 8091 5797 info@obtainfinance.com.au obtainfinance.com.au Obtain Finance, Australian Business Number
More informationForThePeople.com Representing the People, Not the Powerful 1 Commerce Square, 26th Floor Memphis, TN (901)
Representing the People, Not the Powerful 1 Commerce Square, 26th Floor Memphis, TN 38103 (901) 333-1900 ForThePeople.com 877-667 - 4265 ATTORNEY ADVERTISING: Prior results do not gurantee or predict a
More informationForThePeople.com Representing the People, Not the Powerful 107 South Fifth St. Paducah, KY (270)
Representing the People, Not the Powerful 107 South Fifth St. Paducah, KY 42001 (270) 558-6870 ForThePeople.com 877-667 - 4265 ATTORNEY ADVERTISING: Prior results do not gurantee or predict a similar outcome
More informationValuable Secrets to Defending Debt Collection Lawsuits
Valuable Secrets to Defending Debt Collection Lawsuits Creditors will aggressively pursue you. The Terry Law Firm will aggressively defend you. IF YOU HAVE BEEN SUED BY A DEBT COLLECTOR, YOU CAN WIN! David
More informationRebuilding After a Storm: A Homeowners Guide to Repairing Your Home After a Disaster Strikes
Rebuilding After a Storm: A Homeowners Guide to Repairing Your Home After a Disaster Strikes REBUILDING AFTER A STORM: A Homeowners Guide to Repairing Your Home After a Disaster Strikes Rebuilding After
More informationHow to Solve Your Tax Problems Using Four Critical Steps
How to Solve Your Tax Problems Using Four Critical Steps Owing the Internal Revenue Service (IRS) more than you can pay is stressful; however, there are options available that you may not know exist. Whether
More information11 Biggest Rollover Blunders (and How to Avoid Them)
11 Biggest Rollover Blunders (and How to Avoid Them) Rolling over your funds for retirement presents a number of opportunities for error. Having a set of guidelines and preventive touch points is necessary
More informationQuestions and Answers on Insurance Claims
Questions and Answers on Insurance Claims Produced by Texas Appleseed September 2017 www.texasappleseed.org Homeowner s insurance plays a vital role in disaster recovery, not only helping families and
More informationForThePeople.com Representing the People, Not the Powerful 2012 S. Florida Avenue Lakeland, FL (863)
Representing the People, Not the Powerful 2012 S. Florida Avenue Lakeland, FL 33803 (863) 680-1411 ForThePeople.com 877-667 - 4265 ATTORNEY ADVERTISING: Prior results do not gurantee or predict a similar
More informationPSYCHOLOGY OF FOREX TRADING EBOOK 05. GFtrade Inc
PSYCHOLOGY OF FOREX TRADING EBOOK 05 02 Psychology of Forex Trading Psychology is the study of all aspects of behavior and mental processes. It s basically how our brain works, how our memory is organized
More informationEarthquake Claim Tips for Homeowners and Businesses
Earthquake Claim Tips for Homeowners and Businesses 1. NOTIFY YOUR AGENT AND CARRIER PROMPTLY THAT YOU HAVE SUSTAINED DAMAGE AND ARE FILING A CLAIM Even if you do not carry an "earthquake" policy, or believe
More informationThe Limited Liability Company Guidebook
The Limited Liability Company Guidebook Copyright 2017, Breglio Law Office, LLC Breglio Law Office 234 E 2100 South Salt Lake City, UT 84115 (801) 560-2180 admin@bregliolaw.com Thanks for taking some time
More informationTRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM
THE CARLSON LAW FIRM TRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM 01 WHAT WE KNOW We hear it all the time, you don t need to hire an attorney after a car crash or I didn
More informationHOMEOWNERS GUIDE. Mistakes Nearly Everyone Makes. Dirty Tricks of the Mortgage Industry. Secrets About Your Credit Score
HOMEOWNERS GUIDE How to Avoid the Mistakes Nearly Everyone Makes When Getting a Home Loan 5 Mistakes Nearly Everyone Makes 4 Dirty Tricks of the Mortgage Industry 3 Secrets About Your Credit Score Imnp
More informationSTOP RENTING AND OWN A HOME FOR LESS THAN YOU ARE PAYING IN RENT WITH VERY LITTLE MONEY DOWN
STOP RENTING AND OWN A HOME FOR LESS THAN YOU ARE PAYING IN RENT WITH VERY LITTLE MONEY DOWN 1. This free report will show you the tax benefits of owning your own home as well as: 2. How to get pre-approved
More informationDON'T WRECK. 10 Steps to Protect Yourself After a Car Crash. A free publication by the Law Offices of James Scott Farrin
DON'T WRECK 10 Steps to Protect Yourself After a Car Crash A free publication by the Law Offices of James Scott Farrin The goal of this booklet is simple. People just like you are in car wrecks every day.
More informationDEBTS AND DISPUTES. Understanding Debt. What to do?
DEBTS AND DISPUTES If you ve ever been owed money, you know it s a frustrating situation to be in. Even when it s a small sum, debts not only leave a bad taste, but they can really affect your financial
More informationYou re listening to rebuilding after a financial crisis. Hi, I m Niki, your host for today s Podcast.
Rebuilding After a Financial Crisis Podcast [Music plays] Nikki: You re listening to rebuilding after a financial crisis. Hi, I m Niki, your host for today s Podcast. There are many things in life that
More informationThe Ultimate 401(k) Plan Design Guide for Plan Sponsor and Advisors Why you have a 401k and how to get the most out of your 401k Plan
The Ultimate 401(k) Plan Design Guide for Plan Sponsor and Advisors Why you have a 401k and how to get the most out of your 401k Plan www.401kfiduciarynews.com Your plan design will depend on many different
More informationBy Phil Bartlett CIC, CPIA
What You as a Garage or Auto Service Business Owner Can -- and Must -- Do to Shield Your Company from Financial Disaster and Give You Peace of Mind that the Business Will Continue to Operate and Generate
More informationNegotiating Overhead & Profit
Negotiating Overhead & Profit Rebecca Switzer 12 Ways to Negotiate Overhead & Profit Contractors are entitled to a profit on each job, which is defined as the difference between the cost of materials and
More informationA Losing Bet: Binary Options
A Losing Bet: Binary Options What are Binary Options? Binary options the latest investment scam that s costing victims everything. - CBC, March 2017 Binary Options are a sort of wager where investors bet
More informationYour helpful life insurance guide: The basics
Your helpful life insurance guide: The basics 1 When it comes to life insurance, you may need help when it comes to making an informed decision. At Amica Life, we believe helpfulness is what life is all
More information5 Biggest Mistakes Most Home Buyers Make
5 Biggest Mistakes Most Home Buyers Make And 3 Guaranteed Ways to Get Approved for a Home Loan This Complementary Special Report was prepared by: 2 5 Biggest Mistake Home Buyers Make Purchasing a home
More informationDEPRECIATION BA$IC$ Depreciation: The loss in value from all causes, including age, wear and tear.
DEPRECIATION BA$IC$ Here are three terms that will help you understand how depreciation works in connection with insurance claims. Your insurer may depreciate both your stuff and your dwelling. The most
More informationDEMOTT BANKRUPTCY GUIDE. 10 Steps. to rebuilding your financial life BY RUSSELL A. DEMOTT
DEMOTT BANKRUPTCY GUIDE 10 Steps to rebuilding your financial life BY RUSSELL A. DEMOTT Table of Contents The Initial Consultation 3 The Client Questionnaire 4 Documents 5 The Intake Interview 8 Case Preparation
More information12 SECRETS TO MAXIMIZING
RetireWellDallas.com Mark S Gardner 214-762-2327 12 SECRETS TO MAXIMIZING YOUR SOCIAL SECURITY BENEFITS UNDER THE NEW RULES By: Laurence Kotlikoff November 12, 2015 FOREWORD You are reading one of the
More informationNAVIGATING THE INSURANCE MARKET
JANUARY TO MARCH 2018 CARE QUARTERLY 22 NO. A PUBLICATION OF THE JW SEAGON GROUP INSURANCE BROKING EDITION NAVIGATING THE INSURANCE MARKET Let the policyholder beware! Win an Amazon Echo Dot JW Seagon
More informationYOUR GUIDE TO PRE- SETTLEMENT ADVANCES
YOUR GUIDE TO PRE- SETTLEMENT ADVANCES What is a pre-settlement advance? If you have hired an attorney to bring a lawsuit, and if you need cash now, you may be able to obtain a pre-settlement advance on
More informationABOUT FREEDOM CLUB ABOUT DR. TONY
1 ABOUT FREEDOM CLUB The Freedom Club is a mentoring and coaching program designed to guide you along the path to Financial Freedom. The Freedom Club is also a place where like-minded people can associate
More informationMonthly Treasurers Tasks
As a club treasurer, you ll have certain tasks you ll be performing each month to keep your clubs financial records. In tonights presentation, we ll cover the basics of how you should perform these. Monthly
More informationHow to Avoid Car Rental s. Company. Biggest Accounting Mistakes
How to Avoid Car Rental s Company Biggest Accounting Mistakes Objectives Why What How Why - do we need to avoid accounting mistakes What - Identify the biggest accounting mistakes How - do we avoid them
More informationA HOME BUYER'S GUIDE TO OWNING YOUR DREAM HOUSE 2018 EDITION
Buying A HOME BUYER'S GUIDE TO OWNING YOUR DREAM HOUSE 2018 EDITION TABLE OF CONTENTS PAGE 2: Your Dream Home PAGE 3: Your Agent Matters PAGE 4: Buy Instead of Rent PAGE 5: The Importance of A Pre-Approval
More informationCONTAINING HEALTHCARE COSTS: IT S TIME TO RETHINK YOUR APPROACH
CONTAINING HEALTHCARE COSTS: IT S TIME TO RETHINK YOUR APPROACH CONTAINING HEALTHCARE COSTS: IT S TIME TO RETHINK YOUR APPROACH It s one of your greatest challenges with no satisfactory solutions. Your
More informationThe strategy to repairing your credit is as follows:
The strategy to repairing your credit is as follows: 1. Request and review your credit report from all three bureaus. You can get a free copy of the report by going to www.annualcreditreport.com (the official
More informationThe 10 Golden Rules of Trading. A mini ebook in the SmartTrader Series. Paul M King
The 10 Golden Rules of Trading A mini ebook in the SmartTrader Series By Paul M King This electronic book is Copyright PMKing Trading 2005. Any unauthorized distribution, copying, or reselling of this
More informationOVERSEAS INVESTMENTS A GUIDE TO INTERNATIONAL PAYMENTS
OVERSEAS INVESTMENTS A GUIDE TO INTERNATIONAL PAYMENTS CONTENTS 1 Paying for overseas investments 2 The smart way to invest overseas 3 Timing is everything 4 A new standard in international payments 5
More informationQ. Upon what trading methodology is Options Wizardry Profit Alert based?
Q. What exactly is Options Wizardry Profit Alert? A. It is a weekly trade idea service. Each week, we post high probability trade ideas for you to consider. The trade ideas are posted to a private, secure
More informationGuide to buying an annuity
Guide to buying an annuity 2 Welcome to our guide to buying an annuity You now have more choice than ever before when it comes to using your pension savings. Of course having more options can make it difficult
More informationLicensing & Bureau Monitoring
Quick Reference Guide REGULATORY COMPLIANCE Licensing & Bureau Monitoring A quick-reference guide to licensing, bureau monitoring, and compliance for insurance providers. Regulations are constantly shifting
More informationForex Trading Strategy 10 pips by Rob Booker
Forex Trading Strategy 10 pips by Rob Booker Contributed by Rob Booker Sun, 09 Dec 2007 04:58:53 MST Currency trading can be like running away from the bear. Trading forex offers more opportunity for fast
More informationThe Pay Times. In This Issue: Spring Restaurant Edition. How Tax Reform Will Impact Restaurants
The Pay Times Spring 2018 - Restaurant Edition In This Issue: How Tax Reform Will Impact Restaurants Happy Hour and Your Bottom Line Getting Back to Business After a Natural Disaster Understanding Tax
More informationInsurtech 101. A complete guide for both veterans and entrepreneurs launching products in the insurance marketplace.
A Guide to Launching a New Insurance Product Insurtech 101 A complete guide for both veterans and entrepreneurs launching products in the insurance marketplace. In Insurtech 101, we review the fundamentals
More informationSeven Steps to Handling Your Loved One s Estate
Seven Steps to Handling Your Loved One s Estate How to close out accounts, notify key authorities, access death benefits, and begin the probate or trust administration process after the loss of a loved
More informationYour helpful life insurance guide: Retiring
Your helpful life insurance guide: Retiring 1 If you re getting ready to retire, you may know you need life insurance, but need help making an informed decision about it. At Amica Life, we believe helpfulness
More informationPensions News. Welcome to the June edition of Pensions News. We need your address. June 2016
Pensions News June 2016 Welcome to the June edition of Pensions News In this edition: We update you on how some of the things mentioned in the Chancellor s latest budget may affect you. There s a reminder
More informationyour claim Understanding the catastrophe claim process
your claim Understanding the catastrophe claim process New Jersey D9340NJ-1 YOU SHOULD NEVER have to face a catastrophe alone. That s Allstate s stand. When severe weather or a catastrophic event occurs,
More informationYour Core Retirement Decisions
Your Core Retirement Decisions UNDERSTANDING NEW PRESSURES YOU LL FACE IN RETIREMENT It s no surprise that baby boomers retirement confidence recently hit an all-time low less than a quarter are confident
More informationGetting Ready For Tax Season
Getting Ready For Tax Season Topics of Discussion Filing requirements Process overview Timing Records verification Cost basis reporting changes Scope of bivio program Tax loss harvesting Things to do before
More informationchief ombudsman & chief executive s report
chief ombudsman & It s approaching 20 years ago now that discussions were underway about setting up a single ombudsman for financial services. This would replace eight existing schemes each covering individual
More informationA Losing Bet: Binary Options
A Losing Bet: Binary Options What are Binary Options? Binary Options are a sort of wager where investors bet on the performance of an underlying asset, often a currency, stock index, or share, usually
More informationStep by step guide to auto enrolment
Step by step guide to auto enrolment The legislation surrounding auto enrolment can be quite tricky. When faced with an overwhelming set of tasks, rules, regulations and jargon it is difficult to fully
More informationA FLEXIBLE RETIREMENT INCOME FOR WHATEVER THE FUTURE HOLDS LET S TALK HOW. PENSION DRAWDOWN
A FLEXIBLE RETIREMENT INCOME FOR WHATEVER THE FUTURE HOLDS LET S TALK HOW. PENSION DRAWDOWN INTRODUCING FLEXIBLE RETIREMENT INCOME What do you think you ll be doing in ten years time? Or twenty? It s not
More informationLove is. Shoes. Shoes. Shoes. And knowing you re covered with Credit Card Repayment Protection. Product Disclosure Statement and policy wording.
Love is. Shoes. Shoes. Shoes. And knowing you re covered with Credit Card Repayment Protection. Product Disclosure Statement and policy wording. Effective 1 December 2011. Love is. Knowing you re insured.
More informationInsurance claims services
Insurance claims services Realize value Our professionals can help you achieve your recovery objectives with insurers through deep industry experience, innovative approaches and keeping the company s interests
More informationUSER GUIDE. How To Get The Most Out Of Your Daily Cryptocurrency Trading Signals
USER GUIDE How To Get The Most Out Of Your Daily Cryptocurrency Trading Signals Getting Started Thank you for subscribing to Signal Profits daily crypto trading signals. If you haven t already, make sure
More informationAetna Federal Plans. Retiree Health Care Options video transcript. Your Guide to Retiree Health Care Options
Your Guide to Retiree Health Care Options Voiceover: Thanks for joining us today. We re glad that you re taking the opportunity to explore your retirement health care options. Over the next 20 minutes
More informationMassMutual Business Owner Perspectives Study
A Guide for Business Owners MassMutual Business Owner Perspectives Study 2011 insights in an uncertain economy Contents 2 Start-up stage Reasons for owning a business Sources of business financing Views
More information1. Remortgaging: The Basics
Remortgage Guide There are many reasons why you might want to remortgage your home, but have been hesitant to do it. We ve created this remortgage guide to show you that remortgaging your home can actually
More informationPLATINUM INTRODUCTION TERMINOLOGY. ABSA refers to Absa Insurance Company Ltd, the guys who underwrite the benefits that you ll
PLATINUM INTRODUCTION It s our great privilege to welcome you to the LAW FOR ALL family! Today marks the first day of your brand new carefree journey doesn t it feel great knowing your legal worries are
More informationThe Hidden Costs of Paper-Based Payments. How Electronic Payments Save You Time, Cut Your Costs and Improve Your Customer Relationships
The Hidden Costs of Paper-Based Payments How Electronic Payments Save You Time, Cut Your Costs and Improve Your Customer Relationships The Hidden Costs of a Simple Check B2B payment methods are slow and
More informationTable of Contents. 2
DISCLAIMER Stocks and options trading have large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in the stocks and options
More informationTop 5 Ways to Ensure a Successful Tax Season
Top 5 Ways to Ensure a Successful Tax Season Authored by Progressive Media Group, Inc. WHITE PAPER Top 5 Ways to Ensure a Successful Tax Season Thanks to an ever-changing regulatory and legislative environment,
More informationQualified Settlement Funds: What Trial Lawyers Need to Know. From a Planning Expert
Qualified Settlement Funds: What Trial Lawyers Need to Know From a Planning Expert About the Author Since starting in the settlement management industry in 1999, John Bair has guided thousands of plaintiffs
More informationYour helpful life insurance guide: Empty nesting
Your helpful life insurance guide: Empty nesting As your kids grow up and leave the house, life insurance should still be a part of your plan going forward. Amica Life can help you determine if you have
More informationFresh Start Trust. Lesson #1 Checklist Starting at the Beginning
Lesson #1 Checklist Starting at the Beginning ***This condensed version of the main lesson is for review purposes only. For an in-depth explanation of each of the items listed here, please refer to the
More informationEstate P LANNER. the. Roll with it Keep wealth in the family using rolling GRATs
the Estate P LANNER May/June 2006 Roll with it Keep wealth in the family using rolling GRATs Administrative checklist for after a family member passes away Tips for tax-wise charitable giving Too much
More informationSPECIAL REPORT: Elder Law: Asset Protection Planning Explained
Call today: 757-399-7506. We help families navigate the legal maze and implement plans to secure their futures. SPECIAL REPORT: Elder Law: Asset Protection Planning Explained ELDER LAW: ASSET PROTECTION
More informationAll the features you need to ramp up your forex profits, with none of the complexity.
Don t let the market take back what you have won! it? Want to trade with the market instead of against All the features you need to ramp up your forex profits, with none of the complexity. Are you an FX
More informationBUYING AND SELLING PROPERTY OVERSEAS A GUIDE TO INTERNATIONAL PAYMENTS
BUYING AND SELLING PROPERTY OVERSEAS A GUIDE TO INTERNATIONAL PAYMENTS CONTENTS 1 Managing the Cost of Currency 2 Top Tips for Regular Payments Overseas 3 Timing is everything 4 Caxton Premier A New Standard
More informationSeven Steps to Handling Your Loved One s Estate
Seven Steps to Handling Your Loved One s Estate How to close out accounts, notify key authorities, access death benefits and begin the probate or trust administration process after the loss of a loved
More informationKey employee retention and retirement. Key employee benefits can be your key to success
Key employee retention and retirement Key employee benefits can be your key to success 1 The right benefits can make all the difference Take a moment to think about the success of your business. How much
More informationReading Five: How Millions Turned Inflation Into Wealth: The Hidden Truth
Reading Five: How Millions Turned Inflation Into Wealth: The Hidden Truth Much of this reading has been excerpted from The Secret Power Within Your Mortgage Copyright 2007 by Daniel R. Amerman, CFA, All
More informationLifestyle Financial Planning
Lifestyle Financial Planning FINANCIAL PLANNING Our Lifestyle Financial Planning Service The Mathews Comfort Lifestyle Planning Service is available to clients seeking clarity and peace of mind about their
More informationGuide to Ohio Car Accident Law INJURY-0
Guide to Ohio Car Accident Law Contents 3. 4. 5. 6. Meet The Sawan & Sawan Family Legal Disclaimer Introduction First Steps 7. The Accident Report 8. Insurance Coverage 9. Collecting Evidence 10. Dealing
More informationA retirement plan guide for small businesses
A retirement plan guide for small businesses Choosing a plan that benefits you and your employees Benefits of a qualified retirement plan A qualified retirement plan is also a good strategy for reducing
More informationYOU ARE NOT ALONE Hello, my name is <name> and I m <title>.
So I know why you re here: I bet you ve got some questions about your money: what to do with it, how to make the most of it and how to hopefully get more of it. You ve got questions and the good news is
More informationWe believe the election outcome will not interfere with your ability to achieve your long-term financial goals.
Dear Client: On Jan. 20, Donald Trump, as you know, will become the 45th president of the United States. This letter provides you our analysis of what the election s outcome means for you. Let me summarize
More informationWe take care of estate administration. Quickly and completely. It s all we do, every day.
We take care of estate administration Quickly and completely. It s all we do, every day. At Kings Court Trust, we only do one thing: estate administration. And from the simplest estate through to multi-million
More informationCharter Savings Bank Cash ISAs
Charter Savings Bank Cash ISAs 2 ISAs ISAs 3 ISAs a brief explanation Welcome to Charter Savings Bank Thank you for choosing us to look after your Cash ISA. Please read this leaflet and keep in a safe
More informationAUTOMOBILE ACCIDENT VICTIMS
THE ULTIMATE GUIDE FOR AUTOMOBILE ACCIDENT VICTIMS Everything you NEED TO KNOW to PROTECT YOUR RIGHTS and receive a FAIR SETTLEMENT We have collected more than $1 BILLION for over 70,000 satisfied clients.
More informationYour helpful life insurance guide: Starting your career
Your helpful life insurance guide: Starting your career As you start your career, there are some important things you should know about life insurance. At Amica Life, we believe helpfulness is what life
More informationYour Guide to Tort Coverage
Your Guide to Tort Coverage Personal Auto Injury Insurance 2018 basic auto insurance How this guide can help you If you or a member of your family has been injured in an automobile collision, this guide
More informationc» BALANCE C:» Financially Empowering You The World of Credit Reports Podcast [Music plays] Nikki:
The World of Credit Reports Podcast [Music plays] Nikki: You re listening to world of credit. Hi, I m Nikki, your host for today s podcast. Credit reports and credit scores influence our lives in many
More informationUnderstanding Your FICO Score. Understanding FICO Scores
Understanding Your FICO Score Understanding FICO Scores 2013 Fair Isaac Corporation. All rights reserved. 1 August 2013 Table of Contents Introduction to Credit Scoring 1 What s in Your Credit Reports
More information10 Tips For Pursuing Claims After Construction Accidents
Portfolio Media. Inc. 860 Broadway, 6th Floor New York, NY 10003 www.law360.com Phone: +1 646 783 7100 Fax: +1 646 783 7161 customerservice@law360.com 10 Tips For Pursuing Claims After Construction Accidents
More informationpaying off student loans
paying off student loans PAYING OFF STUDENT LOANS Student loans are a national crisis impacting millions of people. The class of 2016 borrowed an average of $37,172 in student loans.* Total student loan
More informationAmending (Again) Clients Wrap Plans for the ACA. August 2015
Amending (Again) Clients Wrap Plans for the ACA August 2015 Amending Clients Wrap Plans for the ACA Understanding wrap plans o Wrap plans consolidate multiple welfare benefit programs under a single umbrella,
More informationThe Business behind Business Interruption:
The Business behind Business Interruption: Applying Due Diligence to Business Interruption Claims By Scott E. Bushnell, CPA, CFF One of the most challenging aspects of commercial property and casualty
More information4 BIG REASONS YOU CAN T AFFORD TO IGNORE BUSINESS CREDIT!
SPECIAL REPORT: 4 BIG REASONS YOU CAN T AFFORD TO IGNORE BUSINESS CREDIT! Provided compliments of: 4 Big Reasons You Can t Afford To Ignore Business Credit Copyright 2012 All rights reserved. No part of
More informationYour Stock Market Survival Guide
Your Stock Market Survival Guide ROSENBERG FINANCIAL GROUP, INC. While this report can apply to all people, it is especially geared for people who: (1) are getting close to retirement; (2) are already
More informationOur investment proposition for auto-enrolment pension schemes
For financial adviser use only. Not approved for use with customers. Our investment proposition for auto-enrolment pension schemes A guide for financial advisers Ready-made and bespoke approaches available
More information