So, how can you design a plan that covers your risks of injury and illness and protects your family and lifestyle? One solution is to create a split plan with injury only disability Insurance and a critical illness insurance policy for major life altering illnesses.

Injury Only Disability Insurance

There are disability insurance companies in Canada that have tailored their products to meet the needs of labourers, trades-people, truck drivers, and many other blue collar workers. Since many workers in physical labour jobs are more concerned with accidents and injuries, both on the job and off work, these disability insurance plans have split its coverage into injury only coverage and optional illness protection. The injury only coverage is much cheaper to buy than a comprehensive disability plan covering both illnesses and injuries. It can often be less than half the combined premium for just the injury protection.

The other goods news about injury only disability insurance is that there are hardly any qualifying medical questions to get the policy. Basically, you have to currently not be disabled due to an injury, and if you had a pre-existing injury, that condition will not be covered for the first 12 months. Besides that, you can get the coverage easily and quickly, and cheaply

OK, so one big risk is covered.injury causing loss of work and income. How about an illness?

Critical Illness Insurance to Replace Lost Income

Using a critical illness policy to supplement lost income is another great way of getting a type of disability income insurance. Now, a critical illness policy technically is NOT a disability insurance policy. It does not cover things like pneumonia, fibromyalgia, chronic cough, etc. What it does cover are major life altering illness and injuries that can keep you off the job for months, if not years: cancer, heart attack, stroke, by-pass surgery, MS, Parkinson's, spinal damage, organ failure, etc.

If a common disability policy including illness protection had a 90 waiting period, meaning your benefits only start after 90 days of paying your own bills, what types of illnesses would keep you away from work for that long? Well, the most common types would be the illnesses included on the critical illness insurance list. Also, critical illness insurance pays out after 30 days, not 90 days. All benefits are paid LUMP SUM and TAX FREE

For most people in Alberta in this situation, a plan that covers two years of gross income is substantial insurance coverage. That means, if you had a heart attack, 30 days after diagnosis we would have a cheque for you for twice your annual gross income to put into your bank account. That should last you for about 3 years of income replacement (because you do not have to pay tax on that money).

A critical illness policy is usually much less expensive than illness protection on a disability insurance policy. Combining the premium savings on the injury only disability insurance and a lower cost critical illness insurance policy, you can feel confident you are well insured from things like a fall, car accident, heart disease, cancer, brain injury, etc.

Summary

This solution has worked well for many blue collar workers and trades people. Putting together a non-traditional solution for disability/income protection insurance has saved clients a lot of money in annual premiums (usually $600 - $1,000 per year). It provides an even greater level of protection from major illnesses that could affect you, and you know that injuries suffered on the job or away from work will also be insured.

Agency Matrix, LLC, a technology leader in insurance agency management system solutions, announces the completion of the cloud-based data integration between the popular management system and Webeceteras EZLynx comparative rating program for insurance agents.

Established in 2003, EZLynx is the flagship product of Webcetera LP, and was created with the primary goal of addressing some of the challenges facing the independent agents in the P&C industry at that time. EZLynx pioneered the concept of real-time quoting in the insurance market, thereby enabling insurance agents to generate accurate real-time rate quotes from multiple insurance companies' sites with a single data entry point. Today, EZLynx is the leading real-time solution vendor for independent agents. EZLynx processes more than a million Auto, Home and Package transactions every month covering more than 122 insurance companies in 45+ states.

EZLynx is a well regarded and reputable product in the insurance industry said Jeff Johnson, Agency Matrixs chief operating officer. We are very pleased and proud to have had the opportunity to work with EZLynx and present the industry with another viable and completely cloud based solution.

Agency Matrix is a Dallas based software company specializing in agency management software for the independent insurance industry. As a 100% web based solution, Agency Matrix provides an easy-to-use agency management system that requires no installation, has no minimum computer specifications, and allows unlimited uploads of documents and images. Agency Matrix enables independent agents who want to be more efficient in their business to securely host their agency infrastructure on Agency Matrix servers, and still have access from anywhere they have an internet connection, including smart-phones and other mobile devices.

About Agency Matrix
Agency Matrix, LLC is a Dallas-based technology company dedicated to providing effective, efficient, and affordable agency management system solutions to the insurance industry and small business owners around the country. Designed by former insurance agents for insurance agents, Agency Matrix is committed to providing the industry with simplified agency software solutions at rates that are reasonable and affordable to the independent business owner.

About Webcetera, L.P.
Webcetera is a leading provider of real-time quoting and insurance software solutions for independent insurance agents and carriers. Its flagship product EZLynx delivers accurate real-time rate quotes to independent insurance agencies across the United States. As an insurance software provider, Webcetera has focused on empowering both independent agencies, wholesales/MGAs, and insurance companies with the technology they need to grow and compete. Webcetera is a privately-held company. For more information, visit http://www.ezlynx.com or call us toll free at 877-932-2382.

Any life insurance company has one major motive in mind, and that is profit. When a new branch career office opens it places in a General Life Manager with a guaranteed a salary plus production bonus This article will explain how other insurance manager jobs work differently, like that of the life insurance managers.

A new sales manager is led by a carrot into thinking he is part of the company established money machine. HE IS NOT.

WHO IS ASKED TO BECOME A LIFE INSURANCE MANAGER? The office general manager needs sales growth, and having 2 sales training managers are better than one and 3 are better than two. So here is the start of the hunt to fill these insurance management jobs. If you have true sales ability and are making sales consistently, the general life manager is already scouting you out. This is especially true when he starts to give you the company call in leads for some really easy sales. (an initial sublime bribe) After 2 years experience, you are wined and dined by the general manager, and asked if you would like to make a big career jump to a insurance management job. You could be the next life insurance sales manager.

As an insurance manager, you will have a base salary, plus additional sales production income tacked on. In addition, you will no longer have to go out and personal scrounge up new business. This means personally no longer making cold calls Health benefits are often provided. Then the big career ego blockbuster is laid out. The company will be expanding, and the new office general life managers chosen will be from the current life managers working for the company.. That is an offer few insurance representatives could resist.

WHAT A PROSPECTIVE LIFE INSURANCE MANAGER IS NOT TOLD. The sales company home office will benefit off every agent you hire, especially those that are productive then leave. When your agent leaves, your production bonus stops completely. The sales company takes over all money yet to be collected on the sales your leaving agent made. The general manager upon your first couple agent loses comes up with a "new plan just for you". He hands over a couple of mediocre in house agents, (those who no longer have a sales manager) and puts them on your sales team. In addition he is going to budget funds for the next couple months in the local Sunday newspapers to haul in enough new interviews to build your staff even quicker. Some weeks you will find your insurance manager job bombarded with interviewing a dozen prospective new representatives.

YOUR DUTIES AS THE SLICK NEW SALES MANAGER. Instead of a cubicle you get your own private office with a nice desk and chair. Your main duty is to recruit enough reps to always have at least a dozen. Ads portraying an insurance professional sales person with freedom in hours and unlimited income capacity always draw in lots of interested employed and unemployed people, some single, some with a family. Next as the leader you must license prepare them if necessary, plus get them to memorize the home office sales script. The hard part is budgeting your time. Your do not want to work 13 hour days, but recruiting and in office pre-training eats away lots of time.

Your insurance reps need their life insurance manager to spend enough time to train them outside the office. This means working with an agent on 3 straight appointments, and selling by example. You receive no instant compensation on the sales, but it will count towards your monthly bonus. You have the inside pressure of being the best sales manager in your office to ever move upward. SO YOU CHEAT. Often you will take the all important closing stage away from your struggling representative, and close the sale. It chocks your salesperson a sale, and a notch upward for you.

However the promotion to get your own company sales office never materializes.

HOW YOU REALIZE BEING A SALES MANAGER COSTS YOU. After 6 months of being a sales manager you stop blaming yourself when a sales person decides to head elsewhere. You then start up new insurance reps and help them get sales. However your office general life manager is now rarely handing any leads your way. As a result you put pressure on new agents to approach any relatives or friends to give presentations to. Your monthly income does not shoot up, despite all the sales you are closing. The base salary remains the same and because of 70% or higher first year agent turnover, your bonuses remain fairly level. The insurance management jobs prestige is quickly fading.

BACK TO SALESPERSON. When you tell the office general life manager that you want to sacrifice your sales crew and go back to selling on your own you are surprised. His face is unemotional. Unknown to you, he has already picked out your replacement and will entice his newest manager. The new life insurance manager will have some of your sales crew to him to get launched.

The best part for you is that by going out on so many sales presentations, you improved from being a good closer to being top notch at closing sales. Therefore immediately your commission income exceeds that of your salary income when you were a manager. In reality all the upper experience did, was make you see that can not cookie cut out insurance reps. Instead depending on your sales abilities always works best. Later you wil find that second level insurance manager jobs rarely pan out. Instead when you go independent, your manager job is managing yourself, a rewarding opportunity.

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Sep 20, 2011 Mechanical breakdown insurance can cover car costs for many years. Find out more at Insurance.com.

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LRS Federal LLC (LRS) announced the establishment of a new insurance and asset recovery consulting practice that will focus on the insurance and hedge fund captives market. This new consulting practice will be led by LRS CEO, Sean Logan, as part of a market diversification strategy that will leverage the unique and extensive expertise possessed by Mr. Logan and LRS staff for this niche market. With the increasing market demand for insolvency consulting, particularly in the high growth insurance and hedge fund captives market, LRS sees the opportunity to broaden beyond a strictly federal client base and offer a diversified consulting portfolio.

Mr. Logan has acted as the Trustee for over 12,000 Bankruptcy Estates and served at the pleasure of the Court as Receiver in real estate, insurance and corporate insolvencies. He has successfully liquidated construction companies, retail businesses, insurance companies, captives, and off shore businesses, returning tens of millions of dollars to the Creditors and Equity holders. Mr. Logan is able to serve as a Corporate Director for off-shore captive corporate entities in the Cayman Islands, Bermuda, Barbados and the Bahamas. This unique insurance, real estate and deal-building capability is complemented by the engineering and technical consulting LRS is currently providing to the federal government.

"Although LRS is continuing to have great success growing within the federal market, we see this as an opportunity to diversify our client base in a growth market where we have some unique capabilities and relationships," said Sean Logan, LRS' CEO. "Risk management has always been one of our strengths, so our new focus on this business practice gives us the chance to expand the specific services we offer within the public and private sectors. Despite an increased emphasis on transferring risks and allocating sufficient assets to assume risks, we find there is considerable confusion regarding insurance and risk financing for large projects or group operations. Therefore, we see great opportunity for this business unit to grow in supporting the front-end strategy development or, perhaps more significantly, in addressing the aftermath of prior risk management decisions."

LRS Federal is a well-established Service-Disabled Veteran-Owned Small Business (SDVOSB) with three offices in Maryland and additional project offices in Tennessee and Colorado. LRS projects are implemented nationwide by our staff of engineers, scientists, attorneys, paralegals and technical personnel.

For additional information, visit our website:
http://www.LRSFederal.com

SOURCE LRS Federal LLC

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The local experts at Pinnacle Insurance Group know that small business owners have a lot on their plate these days. In addition to overseeing the general day-to-day operation of their company, small business owners must navigate the rocky economy during this tough time. One thing that many business owners make time for is purchasing proper Illinois business insurance, but simply having one of these policies doesnt necessarily mean that company executives know what they are covered for or how to get the most out of them.

In order to avoid spending copious amounts of time reviewing their policy in the event of an accident, business owners should know the following from the get-go:

• Most policies require policyholders to report an insured accident within 72 hours in order to be covered, even if the claim isnt actually filed within this time frame.
• Companies must provide some proof or documentation of their loss when filing a claim.
• There are three main options when it comes to replacing lost profits or items, which include the insurance provider paying cash, repairing the insured item or providing a replacement of similar value.

An independent Indiana insurance company like Pinnacle Insurance Group can help local companies determine whether or not there are any gaps in their insurance coverage or where their potential risks lie, but reporting an incident and filing a claim is the responsibility of the business owner. Therefore, its essential for individuals with Indiana or Illinois business insurance to understand what they need to do in order to be compensated for their insured losses.

About Pinnacle Insurance Group:

Established in 1942, Pinnacle Insurance Group is a full service, independent Indiana insurance company, proudly providing unparalleled customer experience along with free saving analysis services. For almost 70 years, Pinnacle Insurance Group has worked hard to build a solid, knowledgeable community of Indiana insurance specialists and insurance carriers. We specialize in the South Shore area, offering not only Indiana insurance but Illinois insurance and Chicago insurance as well. Pinnacle Insurance Group welcomes you to join our community and learn about our extensive Indiana insurance options.

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Therefore if a person loses his regular income due to causes like redundancy, illness or accident, Payment protection Insurance ensures that the person, who purchases it, is able to pay the lender whatever amount he owes him monthly. This is therefore specially designed to protect those borrowers who cannot make repayment of a loan amount. Due to the degrading economic conditions, a huge number of people are forced to take loans. They, however, do not give it a thought whether they shall be able to repay the loan amount, while taking it. This therefore has become a major cause for the growing number of credit default cases these days. This is where the Payment protection insurance comes to the rescue.

When getting into the scheme of payment protection insurance, the borrowers should keep it in mind, that, they are required to pay a specific amount of money as premium for the scheme. This amount needs to be paid monthly, along with the installments that are paid for the amount of borrowed money. Payment protection insurance is targeted at those people who are unable to pay off loans and such other due, and thus protects them from an uncertain life, because of his being unable to keep up to his monetary promises. Even for the financial institutions, banks and other lenders, this is a beneficial policy as it lets them have their delayed repayment in time with the help of this. This facility is very easy to avail and it comes together with most of the financial loans that are taken by a person. Although the payment protection insurance is very useful, yet, some of its policies are mis-sold beside the credit cards, loans and mortgages. In these cases, you can always reclaim your PPI by numerous processes.

As insurance lawyers at the largest law firm in Michigan helping only auto accident victims, Michigan Auto Law attorneys are constantly asked, "What auto insurance companies should I avoid?" To arm drivers when shopping for auto insurance, our attorneys have compiled a list of the worst insurance companies.

Some of the auto insurance companies that made the list are some of the largest in the U.S. Here's the full list of our Top 6 Worst Auto Insurance Companies in 2011.

"If there's one thing you learn as an insurance lawyer, its this: auto insurance companies make money by not paying on legitimate claims," said Steven M. Gursten, partner of Farmington Hills-based Michigan Auto Law.

"In fact, car accident and truck accident victims have been walking away from millions of dollars in deserving claims that insurance companies are required to pay," Gursten added. "Many of these auto insurance companies believe you won't wait, you won't hire an accident lawyer to file a lawsuit, and you will eventually become so fed up that you'll take a low-ball settlement offer - or nothing at all."

Gursten said the insurance attorneys at his law firm compiled the worst insurance company list based on what they see every day from the insurance companies that are supposed to be protecting auto accident injury victims. The list is also based upon real car accident lawsuits (Mayher v. Martin [Docket No. 07-2640-NI, Lenawee County Circuit Court], Carducci v. Progressive [Docket No. 05-2813-NI, Macomb County Circuit Court] , Abay v. Daimler Chrysler Insurance Company [Docket No. 139725, Michigan Supreme Court]) and statistical data reported by the Michigan Department of Insurance, and the insurance companies themselves, he noted. The statistical data includes the 2008 Auto Insurance Complaint Ratios from the State of Michigan Department of Energy, Labor and Economic Growth; J.D. Power & Associates Auto Claims Satisfaction Study, November 2009 and the FBIC Ranking Of Group Insurers Claims Payment Practices.

Steve Gursten is available for comment and can expand on the insurance company horror stories that caused the insurance companies to make this list.

Here are tips for choosing the best auto insurance company.

For more information on the Michigan No-Fault law, visit Michigan Auto Law'sMichigan No-Fault Insurance Resource Center. It has information on No-Fault benefits, the No-Fault Act,and additional coverage that can protect you if you're ever injured in an auto accident.

About Steven M. Gursten: Steven M. Gursten is recognized as one of the nations top insurance lawyers handling serious car and truck accident injury cases. He past-chair of the Michigan Association for Justice Auto Accident No-Fault Committee, and holds leadership in several other local and national legal organizations helping auto accident lawyers with traumatic brain injury cases. Gursten received the top-reported auto accident or truck settlement in 2008, 2009 and 2010, according to published reports from Michigan Lawyers Weekly.

About Michigan Auto Law: Michigan Auto Law is a third-generation law firm with 17 lawyers practicing exclusively in automobile accident and No-Fault insurance litigation throughout the state. The firm has offices in Farmington Hills, Sterling Heights, Detroit, Ann Arbor and Grand Rapids. For more information, please call (800) 777-0028.