Jean-Claude Van Damme Recreates His “Kickboxer” Dance Scene - CONAN on TBS

The famous actor of action films Jean-Claude Van Damme attended the television program in which Conan O´Brien became a famous scene from the movie "Kickboxer"

In this film of 1989 a scene of Van Damme´s character is shown druck and dancing of a distinctive hip movement, now revived in this tv.

Life Insurance Tips and Sales Techniques

Insurance Cold Calling

Insurance cold calling can be a very difficult task. It is very different from business to business selling because you are calling consumers at their homes on the most part. And unlike business to business selling, this is more like telemarketing.

The one difference is that generally you're working with a set of warm leads and that effects your cold calling techniques. 

Simple Cold Calling Script

Here is a basic insurance cold calling script. These are the basic components you want in your pitch. You want to make it quick and simple. And you want to incorporate a question to engage them in conversation right away.

"Hi Mr. Prospect, my name is Bob Jones with Secure Insurance Agency. I was calling to see what kind of protection you had for your family in the event, God forbid, anything should happened to you."

Wait for a response...

If they have a life policy, say...

"That's great that you care enough about your family to get coverage for them. Are you certain that the protection your family has is enough to cover their expenses for a while should you pass?"

If they say they don't have life insurance, say...

"Mr. Prospect, wouldn't you want the peace of mind to know that your family will be well taken care of after you are gone? What kind of legacy would you leave if you left your family with a mountain of bills and no money to pay them?"

Keep it short, simple and ask a lot of leading questions.

Also, hit them in the heart not the head. People buy emotionally much more than they do rationally, so keep talking about their family and you will have a chance at doing your sales presentation for them.

Warm Leads for Cold Calls

If you don't have access to warm leads, I would encourage you to find another insurance agency that does provide insurance cold calling leads to work for.

Generally the insurance brokerage or insurance agency you work for will provide you a set of leads. Some of these insurance leads will come from marketing campaigns conducted by the insurance agency or insurance carrier.

These leads will be warm because people have requested life insurance quotes and information somehow about getting insurance. Although these leads are warm, it doesn't mean it's easy. 

Most likely, these prospects have also contacted other insurance companies and you will most likely be competing with several other insurance agents. 

No matter what type of insurance policy you are selling, these techniques will get the job done.

Cold Calling Tips and Techniques - Customer Focused

Here are some cold calling techniques. Insurance cold calling requires you to cease to be self-conscious and become customer conscious. Remember, these people asked for more information about insurance.

Help them get that information. Don't think about your fears and your hesitancy. Just focus on the customer and on why they inquired and what they need.

This requires that you genuinely care about them and their needs as people. I guarantee you, faking it won't work. People can tell when you're faking it.

You may be able to fool some, but you won't be able to fool people for the long haul. People can tell even over the phone. That means you have to change your heart. 

Not only that, it's not sustainable if you're faking it. Why? Because faking that you care about people all the time will drain you emotionally. Over time, you'll be unhappy and tired and stressed.

However, if you genuinely care about the people you're selling insurance to, you'll get energy by helping them and selling insurance will become a thing that is satisfying to your soul, and not just your pocket book...which will lead to a fatter pocket book by the way.

But that can't be the reason you do it. You have to just let it be the afterthought of caring, or else you end up faking it again.

They can also tell if you really care and aren't after just their money.

And if they reject you, you will feel sorry for them that they passed up on an insurance agent that actually cared in exchanged for some other guy that might be just self-serving.

Cold Calling Tips - Managing Difficulties

The first enemy of your insurance cold calling success if yourself. You have to get over the fear of calling people and you have to get over the hatred of calling people.

Health and Medical Insurance for Dummies, usefull tips and concepts

What is Health Insurance anyway??!!

If you are like most people, you know very little about your health insurance. Usually provided through your employer, health insurance is there for you to help with the costs of your medical bills. Once people know they are eligible, they don't do their homework in finding out all the important details of their insurance plans. Then they are surprised when they receive a bill in the mail. I have worked in the health insurance field as a medical claims analyst for over 13 years, and in that time I have counseled many participants in their coverage and explanation of their bills. I really think that if these people were more aware of their coverage, they would have made better choices. So I would like to explain, as simply as I can, the basics of insurance and the important terms to know.

***Before I begin-I must state that all insurances are different, and there might be specific rules and exclusions that your plan has. The best thing would be to refer to your benefits booklet, or contact your insurance carrier directly if you need the most accurate information***

HMO vs. PPO

HMO-Health Maintenance Organization

These insurance plans require participants to chose a Primary Care Physician or PCP. You will be required to see your PCP first, and if you need to consult a specialist, you will need to obtain a referral from your PCP. 

PPO-Preferred Provider Organization

 This insurance plan has a specific network of providers that one can see to get reduced charges, and therefore are responsible for less.   Participants are also not required to use referrals to see specialists. 

Insurance terms

PROVIDER

Provider is a term used for health professionals who provide health care services. Sometimes, the term refers only to physicians. Often, however, the term also refers to other health care professionals such as hospitals, nurse practitioners, chiropractors, physical therapists, and others offering specialized health care services.

EXPLANATION OF BENEFITS (EOB)

This is what you will receive from your insurance company once they have processed a bill for you. It will show the date of the service, the provider, the total charge, and how it was paid. If additional information is needed from you, it will specifiy what they need and how to provide that information. It is best to keep all these EOB's and match them up with your bills as you receive them.

DEDUCTIBLE

Most insurance plans will have a deductible that must be met before the plan pays out any benefits for certain services. 
CO-PAY

This is a set amount that your plan has determined to be paid out to your provider at the time of service. 

CO-INSURANCE

This is the amount that you are responsible for after the insurance has processed your claim and applied any deductibles or discounts. Usually on your insurance's explanation of benefits, or EOB, your coinsurance amount will be shown as patient responsibility, or patient balance. Make sure this amount matches up with the amount that is shown on the bill that comes from the providers office-if it doesn't-call the insurance before you pay!!

OUT OF POCKET

A set amount of money that the insurance determines, to be paid out of your pocket, before the plan will cover services at 100%. Be aware that some plan do not include your deductible and co-pays in this amount.

EXCLUSIONS

Each insurance plan will have a list of exclusions for things not covered. It is very important that you look over these exclusions, so that you will be aware of the services that will not be covered. 

ROUTINE SERVICES

Any service that is being done as a screening or for preventative reasons, is classified as routine. Some plans are very specific with their routine benefits, and may have certain limitations based on age, type of service, or dollar maximum.

PRE-CERTIFICATION

Certain services may require approval from the insurance company before it is done. 

Summary

Understanding your insurance plan doesn't have to be as difficult as you think. If you arm yourself with the knowledge of these common terms, and familiarize yourself with your specific benefits, it will make it a lot easier to make sense of it all. Of course, you can always contact your insurance carrier and speak to a representative who can help explain your benefits for you. I am also available to answer any questions you may. I will do my best to help in any way I can!!!

Understanding Your Health Insurance Policy
When searching for a health insurance plan or after one has already signed up, the plan terms, or descriptions of provisions and coverages can be hard to understand. When one is reviewing the terms they often confusingly say, What does that mean?
HMO vs PPO
HMO vs PPO | Comparing the Differences
Health insurance glossary

How I paid 57 cents for my car insurance this month

How I saved money with Metromile

I'm sure you are wondering how I only paid 57 cents this month for my car insurance. After I realized my savings I knew I had to share with everyone. Being a work from home mom I have found that I leave the house less than I used to. I probably go shopping once a week and run errands when needed. For the first 3 months working from home I found I saved a lot of money by purchasing less gas. I knew I needed to find more ways to save, so I looked at my car insurance options.

At the time, I was paying $60 a month for the state minimum liability with no tickets or accidents. After doing some research online, I found there is a pay-per-mile car insurance company now. I immediately jumped at the opportunity to switch my insurance, however the company I was with charged a early term penalty. I stuck it out, and instantly cancelled when I received my renewal in the mail. Not only was I refunded for the last month, I paid less than half the refund amount for the new premium with the new company Metromile, putting cash back in my pocket.

This last month I drove a total of 41 miles for the WHOLE month. Sad, I know haha, however saving for a house means spending less, which I love to do anyway. I'm not saying everyone is going to see a savings switching to this type of insurance. If you drive a lot, this insurance type my not work in your favor, but actually costing more. I will explain how this works.

• Your first look at an estimate will show a base pay + (cents)per mile.
• This all depends on your driving record, credit, and type of coverage. They offer pretty much all coverage options that any normal insurance company would cover.
• Example: I have state minimum liability and my base pay is $20.10 a month. I pay 2.1 cents per mile. So last month I drove 41 miles, my statement is for $20.77. (I am not exactly sure how they calculate this, however this amount is from my statement.)
• This is only available in select states, however do not be afraid to check them out. The more people that ask for this type of insurance in other states, the more likely they will expand.

The advantages of a pay-per-mile insurance

• If you drive less than 10,000 miles a year, than this is an option to consider. You can save as much as $500 a year.
• Once signed up, you receive a free OBD-II device that you plug in to monitor your milage only.
• You have the option to turn on GPS for detailed information on the location of your vehicle and where it traveled. I have heard you can use the mobile app to locate your vehicle in parking lots, however I do not own a smartphone and will update info if I can try this.
• You do not pay for your car to just sit there. Especially good for low risk drivers.
• Being a customer, I feel like this insurance company is rewarding me for being a good driver just for how cheap the insurance is.
• Customer service is kind and courteous. I never had to call them, they called me about a month after purchasing a policy to provide feedback on their company so far. It's understandable, they are fairly new and feedback is what helps a company get better.
• You can get vehicle diagnostics using their app. Again I haven't tried this, however they do offer this option if you mange your policy on the app.
• If you drive over 150 miles in one day, you do not get charged anything over the 150 miles.
  

Disadvantages of a pay-per-mile insurance

• If you drive over 10,000 miles a year, depending on which coverage options, you may pay more. It still wouldn't hurt to check them out and get an estimate to see if there are any savings.

How I only paid 57 cents

Since I do not drive a lot, I do most of my shopping online. I became a member ofEbates right before Christmas shopping last year. Ebates is a cash back company that gives you cash back just for shopping online.

There are tons of stores to choose from, and each with their own cash back amount. They only payout 4 times a year, so my last payment was a surprise! My cash back amount was for $20.20 which I acquired from Christmas shopping for the kids. The payment went to my paypal account right before my Metromile automatic payment hit, so paypal only charged my bank account 57 cents.

I know what you're thinking, what's the big deal right?

For some, most money goes to priorities, with little left over. The more money you can save on your necessities means more money for everything else. It may not pay off right away, and if that's what you need I have other suggestions. This gave me a savings of over $40 a month. If I continue with this insurance, I will save $480 a year. To me this is a win and I continue everyday to find ways to make extra cash and save on my bills and life needs.

Check out this invoice!

Other ways to make cash

I have a lot of free time during the day because I work nights and both kids are in school. I take an average of 1-3 hours of my time and try to take surveys. I am signed up for several different companies and I do have an article that explains why. Some days I have a lot, some days I only have one or two, which is why the big time difference above.

I have been able to participate in product testing surveys, where product is mailed to me, I test and take a survey on the product usage, quality, etc. The ones I have done I have not had to send the product back. It may not be the case every time, however the company paid for the shipping the product to me.

Today alone I made $16 by filling out surveys. I cannot cash out yet, since it is split up between all the sites, however I do so many surveys I pretty much cash out every other day on at least one of the sites. Payment options include Paypal and Amazon e-gift cards, just to name a couple.

Everything I buy on Amazon.com is basically used with a gift card from doing surveys. I am a Prime member, so once every other month I order a prime pantry box worth about $60 for all household goods to last 2 months. Being a member you get free 2-day shipping and Prime video! Why not use this as a means of payment? In January alone I made almost $150 in Amazon gift cards purchasing everything we need like auto parts, home goods, replacement items and things for our current renovation.

This is money I did not have to spend out of pocket! I treat survey taking like a job, so it might not seem like a lot of money, but it's more money than I had before trying it for way less time than my full-time job.

I try to save money any way that I can. With student loans soon to be due, and trying to save for a house I know I am going to need the extra savings in my future. I found that saving now, will help for a better, more comfortable future and I hope to share my savings with you. If you have any questions, or would like more savings tips, please comment below and I can help out!

Auto Insurance Without Credit Check Companies

Most insurers are looking for the cheapest rates with no consideration for credit scores

The insurance companies are betting on the ignorance of the covered members when it comes to what a credit score means to coverage. Most people look at it solely as a resource for getting more credit in life. Insurance is not a form of credit, but surprisingly the same number used for credit cards and auto loans is also impacting how much it costs to insure a vehicle.

Lots of people discover at policy renewal time a change in a credit score for the worst comes with a surprise. One of several things take place. A current insurer will not offer a renewal and it becomes more than difficult to find new coverage. Cancellation is a possibility after years with the same company simply because of a ding on this important document or an outrageous increase occurs. Countless people are unaware of how much a credit score affects something like personal auto insurance.

What does it mean for a covered customer?

With a poor credit rating, unfortunately an auto insurance provider has the option to cancel or not renew coverage. Lots of these types of businesses use these scores as a main component in determining whether or not to insure an individual or even a family and what to charge for personalized rates.

Suppliers are in conflict with customers. Companies are in the business of making money. A higher risk is not a good investment. Nearly all customers are looking around for the best coverage at the cheapest rates no matter what credit rating is owned. This is when a conflict comes into play.

Having a personal credit score not exactly where an individual would like it to be or owning one less than perfect doesn’t necessarily mean never finding a carrier interested in selling a policy. This simply equates to needing a little more research time to locate a provider that has no credit check auto insurance and ideally finding the cheapest rates as well.

Why do they need this number to determine coverage rates?

Many of these corporations review a potential member's credit score and use it to make a determination of how consistent a bill is paid and more importantly how trustworthy this person will be. According to the businesses using this method it is a good indication of an individual's financial steadiness and reliability as a covered member. It sounds like a great idea or way to view the future relationship between customer and business. Though, this is not necessarily true as many people know.

This is not to say there are more than a few folks simply not financially responsible and the number reflects the truth. For the most part this is the exception and not the rule. The nation's economy has not been kind to countless people by no fault of their own. Meaning being responsible with money was a habit, but a direct or indirect impact of Americans banking community decisions went sideways and caused harm.

Why does every person searching for insurance coverage have to pay for the fiasco? How long does the average citizen pay for something they have no control over? Nearly every state requires carrying a minimum policy mandatory to following the law. Therefore, this is a serious discussion on more than one level.

How is it used

All insurance is based on risk management or underwriting. This is a complicated statistical method to set up the amount paid for coverage built by combining a number of various factors. Historically credit scores where not included in this calculation which allowed for more coverage at cheaper rates for countless folks. Times have changed and these numbers now play an enormous role in the data used for the process.

Based on the info used for this method of evaluation scores of insurance providers have formed an opinion which may not be true. They have basically determined the lower a driver’s or policy owner’s credit score is; the more likely this member will file a claim against a policy or cost them monies/profits in other ways.

Negative expectations from the start

Along with possibly filing bogus claims there is a feeling the same kind of a policy owner tends to exaggerate these same claims for more money than the actual worth. This is committing insurance fraud once again in a different direction. This is only the beginner of the bad behavior bubble.

The habit of making late payments is the kicker to all of the rest of the dirt these same "types" are suspected of doing simply because of the wrong set of numbers in the wrong place for a balance sheet. All of these ideas are formed from three little digits following an individual around for life.

Whether most people think it’s fair or not is not relevant. This is what these kinds of providers admit and why it is an important piece of data when obtaining auto insurance and the rates it costs for this particular privilege or in some states following a mandatory law.

Realistically a credit score will not tell if a person is or is not a criminal when it comes to insurance. Simply having poor credit doesn’t make automatically create a culprit for insurance fraud.The same is said of the person holding a good number. Their honesty is not measured by it.

Having personal integrity or honesty in question does group a person with certain individuals more likely paying higher rates to insure a car or truck. More than a few lose it because a score is not up to the standards for a good insurance risk. It is difficult to discover an individual is personally deemed untrustworthy or a possible criminal based on three little numbers.

Ten of the Best car insurance companies