Archive for November, 2011
You’ve been planning your wedding for months, if not years. You and your fiancé have found the perfect location. You’ve bought your wedding stationery, your dress and your flowers. A great caterer has agreed to do your reception. The wedding invitations have either gone out already or will do so soon.
The day you get married will be the most memorable day of your life. But what if something goes wrong? What if the church burns down the day before your nuptials? What if a hurricane closes the beach and ruins your perfect toes-in-the-sand sunset wedding? Or what if it’s something that’s more mundane, but still disastrous for your plans –a strike grounds the airline, your caterer has a family emergency and cancels at the last minute or the church discovers they have made a mistake and double-booked the time.
You many not read about it in wedding blogs but such disasters happen far more often than you might think. When they do occur, the resulting damage often goes far beyond the ceremony. You’ve already spent hundreds, if not thousands, of dollars on deposits, rentals and reservations. This money can be difficult or impossible to get back if you are forced to cancel. Some contracts even have clauses that stipulate you must pay in full if you cancel within a certain timeframe.
This is where wedding insurance comes in. Wedding event insurance is an affordable way to protect your investment in your big day against cancellation or postponement. It will also protect you against vendor bankruptcies, unexpected illness or injuries, and any covered damage to your attire, rings, and videos or pictures in the event that something goes wrong during the wedding or reception.
Wedding liability insurance is also available; this form of insurance will protect you against financial liability arising from property damage or bodily injury that occurs during your event. Some policies will even cover alcohol-related accidents. Wedding liability insurance has now become so ubiquitous and affordable that many venues are requiring it.
Your wedding day is one of the most important days of your life. Don’t risk the unthinkable –buy wedding insurance and rest easy knowing that nothing can spoil your big day.
An insurance agent may experience a rewarding career that revolves around helping others prepare for financial emergencies. If you have sales experience or the ability to explain the benefits of certain insurance products, you might find success as an insurance agent. Many clients consider their insurance agent as a trusted professional who compliments a core group of advisors, such as their attorney, tax preparer and financial planner. Insurance agents often engage in consultative roles to find a solution that meets a client’s needs.
Training
Training is required before an agent can solicit insurance products to consumers or to business owners. Each state requires prospective insurance agents to complete an approved training program for the type of insurance that the agent will sell. For instance, many insurance agents begin their careers selling life insurance or health insurance. If you plan to sell life insurance, you must complete the required hours of study and successfully pass an examination. You may find companies that hire insurance trainees and provide in-house training or you can locate approved course providers in your area. Most states have options that provide tips online toward becoming an insurance agent. The insurance commissioner’s office for your state might reflect approved course providers on its website.
Licensing
A license is required to become an insurance agent within the United States. The specific licensing requirements may vary according to the laws of each state. Generally, applicants will need to provide proof of training, exam results and complete a criminal background check to become an insurance agent. Your state may require errors and omissions insurance before issuing your license. Many states require e&o insurance for insurance agents to protect consumers against negligence or unlawful acts. If your actions cause a client to experience a financial loss, your state can file a claim against your e&o policy and provide compensation for the client.
Continuing Education
Insurance agents are required to complete continuing education courses. The training frequency and the required hours of study will vary among states.
To Sum it Up
Insurance agents strive to become knowledgeable professionals who are resourceful and sensitive to the needs of their clients. You can become an insurance agent and build your customer base one client at a time.
