Compare Auto, Homeowner, Health Insurance QuotesEveryone knows that insurance premiums can be affected by your credit history or perhaps a spotty driving record in the case of auto insurance. But few people realize that an insurance company's loss experience is one of the biggest factors for determining how much they will pay for coverage. How so? Well, say for example an insurance company paid out a large amount of homeowner insurance claims due to a particularly catastrophic year of floods and fire damage. The same insurance company may also provide auto insurance coverage. To compensate for the losses experienced under their home owner insurance division, they may raise premiums for their car insurance customers even if they had no accidents or tickets. Or, they could simply increase the insurance prices for house insurance policyholders in another state.Insurance is a business, and like any other business it needs to generate profit. Monetary losses from an excessive amount of insurance claims are usually shifted to the consumer in the package of higher insurance premiums. If the insurance company had an extremely profitable year, they may lower rates to attract more customers and increase the number of policyholders they have. For this reason, insurance rates vary greatly from one company to another.Health and life insurance rates are very low right now in this competitive insurance industry. However, some health and life insurance companies offer low initial rates to gain insurance customers and then gradually increase these teaser insurance rates over time. The best way to ensure you are getting the best price for your insurance needs is to review your policy rates regularly and compare them against what other competing insurance companies are offering. You can do this by requesting insurance quotes from multiple insurance companies.Use Technology to Find an Affordable CoverageIn the past, obtaining insurance quotes was a time consuming affair that involved hours on the phone or lengthy meetings with individual insurance agents. With the technology advancements of today, you can request insurance quotes quickly and efficiently. It only takes about two minutes to fill out the online insurance questionnaire provided on 2insure4less.com. Our cutting edge technology allows you to instantly compare insurance coverage and premium quotes from multiple competing companies. The best part is you only have to enter your information once instead of traveling from website to website. We are not an insurance company, but we offer tips on how to determine the amount of insurance coverage you need.So, whether you are looking for a cheaper auto insurance rate for an expiring car insurance policy, or you simply want to make sure you are getting the best deal on house, renters, disability, long term care, cancer, burial (final expense), life insurance, and annuity, 2insure4less is here to help both men and women find affordable insurance coverage. Why not see if you can save a little extra money on your health insurance premiums? You have the option of comparing cheap insurance coverage quotes online or speaking with a qualified insurance agent licensed in your state.Learn How to Get a Discount from Insurance CompaniesOur learning center is dedicated to helping insurance consumers become educated on their insurance needs. Our library of educational material, insurance guides and coverage calculating tools will help you in a variety of insurance situations. The next time you have an accident or need to file an insurance claim you can be prepared. We'll also tell you about what to do when a claim is denied and your rights as a policyholder. You'll also learn how to understand your insurance policy and of course, there are many tips on how to save money on insurance.Don't pay more for insurance than you have to. Take time to compare your current insurance rates with comparable coverage from other insurance competitors. It only takes a few minutes to select the type of coverage you are interested in, and you'll be on your way to comparing insurance quotes and saving money.
Monday, August 31, 2009
Breaking Up with Customers
Sometimes things just aren't meant to be. We've all been there-you meet a person and think a great relationship is on the horizon, only to discover after you've peeled back the layers that, perhaps, it just wasn't meant to be.
This happens in business all the time. But often we only think about it in terms of why the customer doesn't select us, or why a customer has broken up with us. Being dumped by a client is a bitter pill to swallow... it's a blow to both our ego and our bottom line.
We rarely consider the fact that we too have choices in whether to continue a relationship with an existing client, or even refuse a new client. The truth is that not every prospect is a match for our business. Sometimes it is as simple as being too expensive for a prospect, and in cases like this, you may want to refer the prospect to another firm. But in many cases, a prospect can be detrimental to a business
This happens in business all the time. But often we only think about it in terms of why the customer doesn't select us, or why a customer has broken up with us. Being dumped by a client is a bitter pill to swallow... it's a blow to both our ego and our bottom line.
We rarely consider the fact that we too have choices in whether to continue a relationship with an existing client, or even refuse a new client. The truth is that not every prospect is a match for our business. Sometimes it is as simple as being too expensive for a prospect, and in cases like this, you may want to refer the prospect to another firm. But in many cases, a prospect can be detrimental to a business
Evaluating a New Client
There are many questions you want to ask yourself when evaluating a new client:
Does the client's mission align with your values?
This is a very important consideration. Quite a few times, we have had the opportunity to perform work for organizations that I fundamentally couldn't support. One example is the tobacco lobbyists. Several years ago, a pro-tobacco lobbyist wanted to hire us to do marketing and outreach. There was just no way I could accept this work. As a mother, I work hard to educate our kids about the dangers of smoking. I fundamentally oppose everything that this group is trying to accomplish.
Do you want to help the client achieve their goals? Do you believe they can accomplish what they are trying to do?
We've had potential clients contact us to design and develop training programs to achieve objectives that we did not think were realistic. In one particular instance, the money was very good, and I'm sure they found a company to perform the work. But we did not see the link between the client's vision/objectives, and the training they wanted. It was just too much of a stretch. So we declined the work, not only because we couldn't buy into it, but also because we believed it would have set us up for failure.
Does the client's needs align with your competitive differentiators? (price, quality, speed, etc.)
No company can be all things to all people. Some customers are looking for the lowest price or quickest turnaround. In cases like that, we are not a match. So we decline this type of work.
Will the client infuse chaos into your organization?
Some client organizations are very chaotic. While "managed chaos" can be productive, "unmanaged chaos" can be detrimental. Clients that don't respect our processes, our people, or our culture won't be happy with our service.
Can the client afford your service?
When we first launched 14 years ago, low price was definitely a competitive differentiator. This is often the case with new businesses because they don't have the overhead that accompanies growth. In addition, new businesses are working to build their client base, and establish their presence and credibility. Mature businesses follow a completely different business model, having migrated from a price-oriented service to a value-oriented service. If a customer can't afford our service, it's not a match from a short-term and long-term perspective.
Is this a one-time client? And if it is, does that fit your business model?
For our business, one-time clients are not good investments. Many small businesses get trapped in the cycle of working with one-time customers, which forces them to live the life of a gypsy... constantly moving from one client to another. So much energy goes into acquiring the knowledge about a customer, and building the relationship. It is the same level of energy for one-time client or a repeat client. But with a one-time client, you don't have additional business when the project is over.
By taking on the client, are you in any way compromising the perception of the value you provide?
This is a really important point for Information Experts. We are on several government-wide area contracts (GWACs) that many agencies like to use. We also hold multiple GSA schedules, and we are 8a-certified, which are also gateways to specific opportunities. Many organizations that have these contracts, schedules, and certifications do "pass-throughs," which enable companies that lack these gateways to work with government customers. They see these pass-throughs as opportunities to make "easy" money (by charging an administrative fee) and to get into an agency. But I don't view pass-throughs in such a positive light. While there are some rare exceptions that warrant a pass-through, I believe pass-throughs ultimately diminish the value of our organization. Our role is basically reduced to one of a contract administrator, and often creates a situation in which we are unable to demonstrate the value we can bring to our client. In addition, there is risk associated with being a passthrough because ultimately as the prime contractor, we are responsible for delivering - even though we are not performing the work.
Is the prospect's requirement aligned with your core competency?
Like so many companies, we've discovered business opportunities that look great on the surface, but once you start digging, you realize that there are many other companies that can perform the work better than you can. I don't believe that a company can be all things to all customers. By sticking with your core competencies, small businesses have an opportunity to build a reputation of dependability and expertise in areas in which they really shine.
Is the client in an industry you currently support, or want to support?
Sometimes great work comes along that is right in your sweet spot and in the industries you serve. And sometimes work comes along that you are able to do, but it is in an industry that you know nothing about. At this point, businesses need to determine whether they want to invest the money and resources required to branch out into that industry
Does the client's mission align with your values?
This is a very important consideration. Quite a few times, we have had the opportunity to perform work for organizations that I fundamentally couldn't support. One example is the tobacco lobbyists. Several years ago, a pro-tobacco lobbyist wanted to hire us to do marketing and outreach. There was just no way I could accept this work. As a mother, I work hard to educate our kids about the dangers of smoking. I fundamentally oppose everything that this group is trying to accomplish.
Do you want to help the client achieve their goals? Do you believe they can accomplish what they are trying to do?
We've had potential clients contact us to design and develop training programs to achieve objectives that we did not think were realistic. In one particular instance, the money was very good, and I'm sure they found a company to perform the work. But we did not see the link between the client's vision/objectives, and the training they wanted. It was just too much of a stretch. So we declined the work, not only because we couldn't buy into it, but also because we believed it would have set us up for failure.
Does the client's needs align with your competitive differentiators? (price, quality, speed, etc.)
No company can be all things to all people. Some customers are looking for the lowest price or quickest turnaround. In cases like that, we are not a match. So we decline this type of work.
Will the client infuse chaos into your organization?
Some client organizations are very chaotic. While "managed chaos" can be productive, "unmanaged chaos" can be detrimental. Clients that don't respect our processes, our people, or our culture won't be happy with our service.
Can the client afford your service?
When we first launched 14 years ago, low price was definitely a competitive differentiator. This is often the case with new businesses because they don't have the overhead that accompanies growth. In addition, new businesses are working to build their client base, and establish their presence and credibility. Mature businesses follow a completely different business model, having migrated from a price-oriented service to a value-oriented service. If a customer can't afford our service, it's not a match from a short-term and long-term perspective.
Is this a one-time client? And if it is, does that fit your business model?
For our business, one-time clients are not good investments. Many small businesses get trapped in the cycle of working with one-time customers, which forces them to live the life of a gypsy... constantly moving from one client to another. So much energy goes into acquiring the knowledge about a customer, and building the relationship. It is the same level of energy for one-time client or a repeat client. But with a one-time client, you don't have additional business when the project is over.
By taking on the client, are you in any way compromising the perception of the value you provide?
This is a really important point for Information Experts. We are on several government-wide area contracts (GWACs) that many agencies like to use. We also hold multiple GSA schedules, and we are 8a-certified, which are also gateways to specific opportunities. Many organizations that have these contracts, schedules, and certifications do "pass-throughs," which enable companies that lack these gateways to work with government customers. They see these pass-throughs as opportunities to make "easy" money (by charging an administrative fee) and to get into an agency. But I don't view pass-throughs in such a positive light. While there are some rare exceptions that warrant a pass-through, I believe pass-throughs ultimately diminish the value of our organization. Our role is basically reduced to one of a contract administrator, and often creates a situation in which we are unable to demonstrate the value we can bring to our client. In addition, there is risk associated with being a passthrough because ultimately as the prime contractor, we are responsible for delivering - even though we are not performing the work.
Is the prospect's requirement aligned with your core competency?
Like so many companies, we've discovered business opportunities that look great on the surface, but once you start digging, you realize that there are many other companies that can perform the work better than you can. I don't believe that a company can be all things to all customers. By sticking with your core competencies, small businesses have an opportunity to build a reputation of dependability and expertise in areas in which they really shine.
Is the client in an industry you currently support, or want to support?
Sometimes great work comes along that is right in your sweet spot and in the industries you serve. And sometimes work comes along that you are able to do, but it is in an industry that you know nothing about. At this point, businesses need to determine whether they want to invest the money and resources required to branch out into that industry
Wednesday, August 26, 2009
Like Medicare?" We Love It
You’re hearing a lot of bashing of government-run health care these days, but notice the bashers don't call out the programs out by name. There’s a reason for that. SCHIP is hugely popular. arguably the best system of care in the country. Medicaid has less of a sterling reputation, but that's largely because no one really understands how it works or who is eligible for what state-by-state. And Medicare? Well, as a new Americans are significantly more satisfied with Medicare than private insurance. It’s time to get back to basics. “Government-run” may be scary to some, but it’s lovable in practice.Single-payer advocates often call their plan “Medicare for All.” The public health insurance option touted by Obama, Baucus and most of the Democratic leaders is usually referred to as “like Medicare.” Clearly there’s magic in the program, but how strong is it? The poll compared the responses of those over 65 with Medicare to a random assortment of those with private insurance. Now this isn’t exactly apples to apples – Medicare beneficiaries in this poll were nearly three times as likely as those with private insurance to list their condition as “fair or poor” (the lowest ranking), almost four times as likely to have multiple chronic conditions, and twice as likely to be 200% of the poverty line or below. To no one’s surprise, Medicare beneficiaries are older, sicker, more in need of care, and poorer – the exact reasons why Lyndon Johnson and JFK wanted to create the program in the first place.But despite their higher needs for consistent and likely expensive care, the magic of Medicare is that it’s more responsive to the customer than private health insurance. 32% of beneficiaries report having a negative incident with Medicare – a number that’s clearly too high and indicative of how much Medicare needs some reforms to improve the program. But that number is 44% for private insurance. Still, we keep hearing Medicare ain’t as good as it used to be. Think of the developments over the past few years that call into question how satisfied someone might be with Medicare – turns out many of them aren’t as bad as we’d think.First, we hear all the time that more and more doctors accept it because of declining reimbursement rates. We’re even warned that single-payer or a public health insurance plan would lost doctors like a leaky boat if the Medicare reimbursement rates were universal. But you know what? Private insurance is worse: “Ten percent of Medicare beneficiaries’ physicians did not accept their insurance, compared with 17 percent of respondents with employer-sponsored plans.” If you want a choice of doctors, you’ve got slightly better odds with Medicare.We hear about frustration with Medicare Part D’s “doughnut hole,” where prescription drug coverage is cut off for many beneficiaries after a certain spending threshold, causing them to pay out of pocket. It definitely has an effect: “Twelve percent of elderly Medicare beneficiaries reported going without care, such as prescribed medications or recommended tests, because of cost restraints.” But that number is over double – 26% - for those with employer-based insurance. Suffice to say, it’s much, much higher for the uninsured.Earlier today, JOHN saying “One of the building blocks of economics is the proposition that people reveal their preferences through their actions and such revelations are far more reliable than polls.” Very well – then explain the consumer preference in Medicare Advantage, where, s, “21% of Medicare beneficiaries enrolled in [Medicare Advantage] plans decide to leave during the year, compared with 9% of those enrolled in other private Medicare plans.”We’re not talking about Canadians, or Brits, or the Taiwanese. We’re talking about Americans – how satisfied they are in polls, and how they show their preferences through their actions. Really, one of the main barriers to reform for years has been that so few of us know people on SCHIP, on Medicaid, at the VA -- not enough to trust the managers of those programs. But all of us know people on Medicare. It has its problems – so does any health care system – but it also has strengths. Lower costs. Better satisfaction. Better health outcomes which, by the way, markets itself aggressively to healthier beneficiaries). That doesn’t seem scary to me.
Permanent life insurance
Permanent life insurance is a form of life insurance such as whole life or endowment, where the policy is for the life of the insured, the payout is assured at the end of the policy (assuming the policy is kept current) and the policy accrues cash value.This is compared with Term life insurance where insurance is purchased for a specified period (typically a year, or for level periods such as 5, 10, 15, 20 even 25 and 30 years) where a death benefit is only paid to the beneficiary if the insured dies during the specified period.Permanent life insurance originally was offered as a fixed premium fixed return product known as whole life insurance also known as cash surrender life insurance. This offered consumers guaranteed cash value accumulation and a consistent premium. Consumers later wanted more flexibility which was offered in the form of universal life insurance. Universal life insurance allows consumers flexibility in when premiums are to be paid and the amount that they would be. Universal life policies also allowed consumers to permanently withdraw cash from the policy without the interest associated with the loan provisions in whole life policies. Universal life policies retained the fixed investment performance of whole life policies. Variable life insurance follows the mold of whole or universal life, but it shifts the investment risk to the consumer along with the potential for greater returns. Variable universal life insurance combines this with the flexibility in premium structure of universal life to create the most free form option for consumers to manage their own money (at their own risk). Variable universal life insurance policies are considered more favorable to other permanent life insurance alternatives due to the favorable tax treatment of all permanent life insurance policies and their potential for greater returns than other permanent life insurance products
Friday, August 21, 2009
Working with cancer
Working with cancer
Many cancer patients continue to work during their treatment and recovery, just as many people caring for someone with cancer are also holding down jobs. Often colleagues don't know what to say or how to help. Our Working with cancer resource helps to make attending work or returning to work easier for patients, carers and survivors and their colleagues.Working with cancer was developed in association with employers and with people diagnosed with cancer. It is suitable for companies large and small, and includes case studies, handouts and workshop materials on:
Supporting patients and carers in the workplace
Talking to workmates about cancer
Developing supportive policies
Employer responsibilities
Helping everyone cope with cancer at work
Balancing company and individual needs
Coping with death and bereavement
Download Working with cancer
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Cancer smart lifestyle
It may surprise you to learn that at least one in three cancer cases are preventable and the number of cancer deaths could be reduced significantly by choosing a cancer smart lifestyle.
More than 13,000 cancer deaths each year are due to smoking, sun exposure, poor diet, alcohol, inadequate exercise or being overweight.
There are some simple steps you can take to minimise your cancer risk. So where do you start? The seven steps to reducing your cancer risk are explained in the Cancer Council's cancer smart .
For a more detailed analysis of cancer prevention please view the National Cancer Prevention Policy. The policy is a comprehensive set of recommendations, outlining how national action by governments and non-government organisations can reduce new cases of cancer from occurring.
Other cancer information fact sheets are available on the following topics:
Cancer smart lifestyle
It may surprise you to learn that at least one in three cancer cases are preventable and the number of cancer deaths could be reduced significantly by choosing a cancer smart lifestyle.
More than 13,000 cancer deaths each year are due to smoking, sun exposure, poor diet, alcohol, inadequate exercise or being overweight.
There are some simple steps you can take to minimise your cancer risk. So where do you start? The seven steps to reducing your cancer risk are explained in the Cancer Council's cancer smart .
For a more detailed analysis of cancer prevention please view the National Cancer Prevention Policy. The policy is a comprehensive set of recommendations, outlining how national action by governments and non-government organisations can reduce new cases of cancer from occurring.
Other cancer information fact sheets are available on the following topics:
Wednesday, August 19, 2009
Healthcare Must Serve Individual Needs of Patients
Quality Healthcare Must Serve Individual Needs of Patients
Quality healthcare must reinsert consumers as the primary decision makers for their healthcare, says a report published by the Center for Health Transformation (CHT). The 21st Century Intelligent Health System: An Individual-Centered Approach describes the necessary steps to reform our healthcare system to meet the individual needs of patients. The paper provides patient statements and examples of how the needs of patients and family members are being met, and suggests that higher quality care can be provided at a much lower price if the consumer disciplines the industry."As a patient, I understand all too well what it is like to be left out of the discussion," said Lynette Bisconti, a patient advocate and cancer survivor. Bisconti was diagnosed with breast cancer three weeks after discovering she was pregnant."To beat cancer, save my baby and have a quality of life on par with what I had before cancer, I knew I needed to be actively involved in decisions about my medical care," Bisconti said. "These were my life and health goals - individual to me - and I needed my care team to understand what I valued most, to listen to me and respect my decisions about my cancer treatment."The CHT paper makes a compelling case for healthcare reform that creates a system built around individual needs."The overriding difference from every other high quality reasonable cost industry and healthcare is that we have removed the consumer and what they value from decision-making," said Steve Bonner, president and CEO of Cancer Treatment Centers of America and co-chair of the CHT working group that developed the report."The Central point of our paper is that our healthcare system must reengage the consumer and include what they value in the process," Bonner said. "Then as providers of their care, we must figure out what the consumer is willing to pay for and then we must all compete to deliver the best products and services at the most attractive prices."Bisconti sought a total of eight medical opinions. In each of the first six she felt she was being treated like a protocol, not as an individual. "Protocol said terminate the pregnancy, try to save the mother and call it a day," said Bisconti. "The clinical cookbook never seemed to change."My journey was completely transformed when I found a hospital that embraced my individual needs," Bisconti continued. "I had surgery and chemotherapy while pregnant and delivered a healthy baby boy. Today I remain free of disease and my son is a happy, healthy, wonderful little boy who lights up my world."Bisconti believes the patient as a full partner in healthcare decision-making has been a missing element in the decades-long healthcare reform debate."Patients can make decisions for themselves. We want to make decisions for ourselves," said Bisconti. "Unfortunately, our current system has trained us to follow, not to lead."
5 Ways to Make Money Fast and Easy
This is where the rubber meets the road. Traction is something we all lack when we are doing our research and ultimate field tests in the quest for our first million. More traction would be great whatever step in the ladder you are at.We generally focus on helping fledgling millionaires in our work because it is the most rewarding and gives us the greatest bang for our buck. To see an individual go from clueless to savvy in a fortnight is a gratifying experience. When its our resources that helped that transformation, then its very satisfying indeed. So thats the area we focus on here. This is for people who need direction but have small resource capital to manufacture acceptable results.So lets give you a little traction before you seize your jets.The following 5 strategies will give you the moves to take you to the first level. -A guy/gal with a proven idea that can be replicated-(An enviable position to be in)1) Lets get this straight. Million dollar bank balances are numerical in nature. By that I mean a million bucks is not made up of 1 large million dollar bill. Its made up of exactly one million single's. Or to go to the lowest common denominator, its actually numerically made up of One thousand, million (or 1 billion) cents.Make money fast and easy by thinking of money as numerical and therefore exponential. A dollar that you hold in your hand is the same as $1 million dollars. No difference at all. Its a seed that grows into a tree, then that tree spurrs more seeds. (I apologize for the metaphor, but how else can we put this so you understand the nature of the reality as it is)2) When you approach your 1 million dollar goal, you are biting off much much more then you can chew thinking about that million.To make money fast and easy always think small. Refine, refine, refine. Then duplicate, duplicate, duplicate. Are you with me? Is this making sense? Make a simple little mouse trap, then make lots of mouse traps exactly the same way.3) Find demand and supply into that demand.To make money fast and easy, even before you think about "what" you will do, you are going to research demand. You will become an expert at sniffing out needs. This skill is a millionaires bow and arrow. Let me tell you, most millionaires couldn't hit the side of a barn much less the bulls eye. But they DO know this. So their aim is not important. What is important is that the target is nice and gigantic. How can they miss?Trust me, its what millionaires do, its how millionaires think. Always supply into Fat juicy demand where the picking is easy. Do you want medals of bravery or a million bucks asap?4) Have a structure you never deviate from.They always failed to plan when they planned to fail. Once your research is done never deviate from it. Give it a good run but if it doesn't work out for you then move on without shedding a single tear. Chance and "chaos theory" are fascinating things. Probability is what millionaires deal with. They never delude themselves into believing in absolutes.To make money fast and easy, you will not work backwards or second guess yourself. Plant yourself firmly in the middle of the road on the high side and go forward. Don't make it up as you go. Stick to what your demand planning told you to do. Many give up after 1 failure, but probability is a funny thing. We think we can control it, but even when all your ducks are lined up in a row, it may not work. But give it a chance and let it prove itself and you may find over a number of attempts you will get the results you expected.5) Diversify AND Go deep.They call out diversify when it comes to investing. Fair enough. Things change and relying on just one source for your income stream is dangerous. And it is. But there are two sides to every coin.The pareto principle states that reality and probability are stacked unevenly. We as rational human beings think of everything as equal and even. However scientific evidence and business experience tells a different story. The pareto principle is also known as the 80/20 rule. It states that 80% of your results comes from 20% of your activities. Is this significant if true? You bet. It means that of every effort you make, of all the many things you do to manufacture your results, only 20% actually is responsible for a large proportion (in fact 80%) of them.So what does this mean in English? It means you can easily quadruple your results by finding out what that special 20% activity is and stop doing everything else. By focusing on just that 20% activity you will not only increase results, but you will create a new pareto principle refined of the old one at a higher level. In this way you move forward and evolve your activities to higher and higher levels.To your health and rapid success.If you need money now, like I mean in the next 10 minutes, try what I did. I now am making more money than in my old business and you can too. If you want to learn how to invest a few hundred dollars in the next 10 minutes and double it before you go to bed tonight, click now to read a "Rags to riches" story that is remarkable
Health Insurance
Compare Auto, Homeowner, Health Insurance QuotesEveryone knows that insurance premiums can be affected by your credit history or perhaps a spotty driving record in the case of auto insurance. But few people realize that an insurance company's loss experience is one of the biggest factors for determining how much they will pay for coverage. How so? Well, say for example an insurance company paid out a large amount of homeowner insurance claims due to a particularly catastrophic year of floods and fire damage. The same insurance company may also provide auto insurance coverage. To compensate for the losses experienced under their home owner insurance division, they may raise premiums for their car insurance customers even if they had no accidents or tickets. Or, they could simply increase the insurance prices for house insurance policyholders in another state.Insurance is a business, and like any other business it needs to generate profit. Monetary losses from an excessive amount of insurance claims are usually shifted to the consumer in the package of higher insurance premiums. If the insurance company had an extremely profitable year, they may lower rates to attract more customers and increase the number of policyholders they have. For this reason, insurance rates vary greatly from one company to another.Health and life insurance rates are very low right now in this competitive insurance industry. However, some health and life insurance companies offer low initial rates to gain insurance customers and then gradually increase these teaser insurance rates over time. The best way to ensure you are getting the best price for your insurance needs is to review your policy rates regularly and compare them against what other competing insurance companies are offering. You can do this by requesting insurance quotes from multiple insurance companies.Use Technology to Find an Affordable CoverageIn the past, obtaining insurance quotes was a time consuming affair that involved hours on the phone or lengthy meetings with individual insurance agents. With the technology advancements of today, you can request insurance quotes quickly and efficiently. It only takes about two minutes to fill out the online insurance questionnaire provided on 2insure4less.com. Our cutting edge technology allows you to instantly compare insurance coverage and premium quotes from multiple competing companies. The best part is you only have to enter your information once instead of traveling from website to website. We are not an insurance company, but we offer tips on how to determine the amount of insurance coverage you need.So, whether you are looking for a cheaper auto insurance rate for an expiring car insurance policy, or you simply want to make sure you are getting the best deal on house, renters, disability, long term care, cancer, burial (final expense), life insurance, and annuity, 2insure4less is here to help both men and women find affordable insurance coverage. Why not see if you can save a little extra money on your health insurance premiums? You have the option of comparing cheap insurance coverage quotes online or speaking with a qualified insurance agent licensed in your state.Learn How to Get a Discount from Insurance CompaniesOur learning center is dedicated to helping insurance consumers become educated on their insurance needs. Our library of educational material, insurance guides and coverage calculating tools will help you in a variety of insurance situations. The next time you have an accident or need to file an insurance claim you can be prepared. We'll also tell you about what to do when a claim is denied and your rights as a policyholder. You'll also learn how to understand your insurance policy and of course, there are many tips on how to save money on insurance.Don't pay more for insurance than you have to. Take time to compare your current insurance rates with comparable coverage from other insurance competitors. It only takes a few minutes to select the type of coverage you are interested in, and you'll be on your way to comparing insurance quotes and saving money.
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