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8 Major Income Protection Myths Debunked

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Income protection is often misunderstood by the consumer. This article aims to correct the misperceptions, helping you to fully understand how income protection can benefit you.
Insurance products aren’t the easiest of things to understand and income protection insurance is no exception. With cumbersome key facts booklets and the media citing stories of context-specific consumer-insurer battles, it’s no surprise that many people misunderstand exactly what income protection is and what it specifically offers. Outlined here are eight major protection myths demystified, so that next time you hear something about income protection, you’ll be able to separate fact from fiction.

Myth 1: It doesn’t pay out

Provided that the policyholder has kept up-to-date with their monthly premiums, and has given truthful personal information from the outset, income protection claims are nearly always paid out. In fact, last year in the UK, insurance providers paid out over 90% of successful income protection claims. If you’re still unconvinced and want to double check specific insurer payout rates, most of them now provide easily-accessible claim statistics on their websites.

Myth 2: It’s too expensive

This myth is purely subjective. If you were a smoker in a high risk job and wanted a very high level of cover, your premiums would, of course, be costly. For the majority however, income protection cover is affordable and can cost as little as 30p per day. If you want significantly lower income protection insurance quotes, consider buying through a commission free broker or by extending your deferral period – the amount of time between a claim being made and the money being paid out. Premium rates are calculated based on your age, health, smoker or non-smoker and occupation, so if you’re serious about cutting the costs of premiums, it may also be beneficial to adopt a healthier lifestyle.

Myth 3: It’s a waste of money

When it comes to ill-health and injury, people can feel a sense of invulnerability, and so it’s all too easy to see how this kind of myth circulates. But ask anyone who’s used their income protection policy, and they’ll be the first to debunk this notion. If you were unable to work due to illness or injury, the monthly instalments provided by income protection could become invaluable, affording reassurance that bills, loan repayments, and any other expenses could continue to be financed during your time off work.

Myth 4: It isn’t necessary if you receive benefits

Statutory sick pay and other benefits tend to pay no more than £400 a month, which for most, would not cover the rent or mortgage. An income protection policy however, would pay up to 75% of your usual income, comfortably covering the costs of your living. Some employers will provide a more comprehensive benefit than statutory sick pay. Therefore, it’s important to check if this applicable; as this may mean that your deferral period can be extended which can, in turn, lower premiums.

Myth 5: It’s the same as PPI

Although they may sound similar, income protection and payment protection insurance (PPI) are not the same products. PPI insures a specific loan repayment, whereas income protection is designed to cover a portion of your income. If you found yourself unable to meet your mortgage repayments due to ill health, PPI would be on hand for this, but what about all the other inevitable expenses? This is where income protection comes in.

Myth 6: It’s not necessary if you have critical illness cover

Whilst critical illness insurance is important, unlike income protection, it would not pay out if you were unable to work due to injury or if you developed a non-critical illness. For this reason, income protection may be worth considering along with critical illness cover, as this would cover a wider range of eventualities.

Myth 7: It’s not for you if you’re are self-employed

Self-employed people can get income protection insurance, but be prepared to provide the relevant documentation. If you’re self-employed, your income may be more variable, so it would be beneficial to regularly review your policy to ensure that you’re covered for the amount of money you require.

Myth 8: It takes too long to apply

Whilst this may have been true in the days of dial-up-internet and telephone brokers, thanks to user-friendly websites, it is now easier than ever to search, compare and buy income protection policies.

Pros and Cons of an Estimated Car Insurance Cost

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Although the vast majority of drivers still purchase insurance through the old-fashioned way from agents, this old trend is gradually shifting to a new method that more and more people are now buying insurance online. Most major insurance companies have created easy-to-use forms on their official websites, allowing customers to renew or purchase coverage via Internet. Potential customers are even provided with a tool/calculator to get an estimated car insurance cost. In case you are not familiar with car insurance calculator, it is a tool for you to basically predict the average amount you should pay for the coverage.
Advantages

When an insurance company provides online-buying system, customers get two immediate benefits. First, it eliminates the needs for third-party agents including captive and independent agents. While captive agents can be considered a company’s representatives, they often persuade you to purchase coverage as soon as you request for quotes. Independent agents work on your behalf, and you may have to pay for their services. Although there are multiple services provided by either agent, you can easily regard the agent as car insurance cost estimator.

Second, you have the chance to learn basic knowledge of insurance especially about what factors that affect your premium fee. An estimated car insurance cost suggested by an online calculator is determined based on your data including car model, address, annual mileage, past infractions, etc. Each of those factors helps to determine the final cost. You can change the data in the forms and see how each factor affects your premium.

Online car insurance calculator is often available from independent websites as well. This tool is free to use, and you can get multiple quotes from different companies with one-time calculation only. Every calculation usually takes less than 5 minutes, meaning you will be able to make proper comparison in no time.

Disadvantages

Free online car insurance calculator, no matter how good it is, will only give an estimated car insurance cost or approximate calculation, which is possibly different (regardless how slightly) from the actual amount you should pay. Some factors such as credit card score and possibility to be eligible for discounts are most likely excluded from the equation. Unlike captive or independent agent, the online tool does not put your own financial circumstances and other related issues into account. Such tool can indeed be a very quick car insurance quote calculator, but you still have to contact insurance companies to get detailed estimation.

Estimated car insurance premium generated by online tool cannot be as accurate as real live agent. However, it gives general idea of the amount you should pay, and it is a good thing since it leads you to be budget-minded insurance customer.

Types Of Commercial Insurance Every Business Owner Should Know About

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Business owners have a wide variety of assets and interests that they need to protect. In order to get the most comprehensive coverage, they’ll need to consult with a reputable commercial insurance agent. Many types of coverage fall within the category of commercial insurance. Some are similar to independent offerings, such as automotive and property coverage, while other types of commercial insurance are specific to the business world. The following breaks down a few of the options available.
Property This option covers real estate and belongings. Common equipment that is included in a property plan includes computers, furniture, inventory, and other office equipment. It can protect against a variety of problems, including theft, fire, vandalism, and more.

Loss of Earning This covers lost wages in a situation in which the organization is unable to operate. For example, if a fire has caused extensive damage and the business is forced to shut its doors for weeks or even months, Loss of Earning coverage will provide protection.

Auto Vehicles that transport employees, company equipment, or products can all be covered. This includes all types of vehicles, including SUVs, cars, vans, and trucks. Employees who drive their own vehicles for work purposes should also seek non-owned auto liability coverage.

Workers Compensation This program benefits employees who are injured on the job. It replaces lost wages and provides medical benefits, and is required in all 50 states. It protects owners from being sued by injured employees.

General Liability This coverage applies if anyone claims the business, its products, or its services caused bodily injury or property damage. It is essential for both home-based business and larger organizations.

Professional Liability A professional liability package offers defense against claims of failure to deliver or improper delivery of services. This could apply to many types of businesses ranging from a hair salon to a business consultancy to a law firm. It is commonly referred to as Errors and Omission coverage.

Data Breach Data can be accessed and leaked in the form of paper files and by electronic means. Businesses that are responsible for storing sensitive personal data about its employees or customers, such as credit card numbers or social security numbers, need protection from a breach.

Life This form of commercial insurance impacts not only business owners and employees, but also their families. In the case of death, financial benefits are directed to a beneficiary. This is particularly important to protect spouses and family members from having serious financial concerns following the death of a loved one who provided financial support.

Why a Courier Career Could Mean a Bright Future

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Choosing a career, whether you’re leaving school or simply fancy a change of direction, can be a minefield, but you could do a lot worse than entering a courier career, especially in today’s economic climate. Perhaps you already work in the business and are familiar with the irregular hours and constant ‘on the road’ lifestyle. If this is the case then you will be pleased to know that the industry you’ve chosen is flourishing and the future is particularly bright.
Demand is continuing to increase year on year, with the number of parcels travelling across our country predicted to grow by around 40% by the end of 2019. Thanks to the positive long-term growth estimations and the potential for strong return, now is definitely a good time to consider a courier career – whether as a driver, a manager or as an investor in an existing company.

One of the main reasons that this business has grown so successfully is that fact that it benefits hugely from the impact of e-commerce. But how are the two linked?

The E-commerce Effect

There is no doubt that over the past couple of decades the amount of post, in terms of letters, has decreased dramatically and the transport of parcels and packages has done the opposite. This is due primarily to two factors: an increase in online purchasing and the growth in the global market (particularly in India, China and Europe). Consequently, the courier industry is thriving and this is excellent news for drivers already in the business and anyone considering getting a courier career off the ground.

Online Spending

In today’s fast paced world we place a huge emphasis on convenience – people don’t want to wait and instead are using quick fix online shopping to satisfy their needs. From weekly grocery shopping to gifts, and from home appliances to clothes, nowadays everything can be ordered on the Internet. As the need for more and more deliveries rises, so does the need for more and more delivery drivers and compliant companies in the industry.

Consumer spending is at the crux of the rise in the growth of this industry and if consumer spending continues to increase as predicted, the industry is set to prosper. There really is no better time to be working in this industry, and that is a fact!

Opportunities in the Future

Embarking on a courier career is challenging but rewarding. Hours are long and sometimes unsociable, but methods of delivery and ways of working are constantly changing as the companies strive to keep up with the changing demand. New systems are tackling the increased need for next day deliveries, and businesses are experimenting with cutting overheads and turnaround times. Companies are developing fast and both the environment and the work itself are exciting and gratifying.

Insider’s tip: The express sector in the courier industry is going to see the most growth in the near future, so consider setting your sights there when it comes to getting your courier career off the ground.

Author Plate

Norman Dulwich is a correspondent for Courier Exchange, the world’s largest neutral trading hub for same day courier work in the in the express freight exchange industry. Connecting professionals across the UK and Europe through their website, Courier Exchange provides a valuable service, updating members with the latest information from the transport industry, including courier career options, road safety, fuel costs and other news. Over 5,400 member companies are networked together through the Exchange to fill empty capacity, get new clients and form long-lasting business relationships.

6 Comprehensive Clues To Help You Relocate Smartly!

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The packers and movers in Chennai you have appointed for your forthcoming Chennai to Chandigarh house move are dated in two months and you are planning to make it the best moving experience ever! For that, you are doing your research and evaluation, you are talking to your friends and colleagues, and you are reading out more and more information on the logistics and transportation domain and making the best of your pre-move time.
At the same time, you are working on your household preparation – just a while ago, you started with the cleaning and de-cluttering, sooner you will go ahead with your budgeting and other primary pre-moving tasks like purchasing essentials and speaking to professional movers for your forthcoming move!

Here, we have a few important things to share with you, knowing that you have a move planned for yourself! And for all the things you do, make sure you are taking your own time and working on every key aspect of the move mindfully! Okay, with that, here goes the list of important things curated for you!

1. Plan how things will work: There has to be a first-class plan ready when you are gearing up for your move. You cannot go wrong with how you will plan your move, so give yourself some time so you can go through your entire household to inspect what stuff you have, to eventually decide what you will move with you and what you will not. If you want to make the move as easy on you as possible, you can start early with the plan. There will be countless things to take note of – from the financial plan to the security deposit, to the important paperwork and the last-minute preparations, getting in touch with the major agencies to getting the right supplies for the move, etc. So, make sure you are laying out a top-notch plan for yourself before proceeding ahead. You may even seek help from online sources like checklists and planners or videos on YouTube.

2. Determine how to move: The move you shall carry out with the professionals should be looked over from different perspectives. You should think of the long run when you are prepping up for your move. So, think through the kind of move you are planning to make and the kind of services you will want to have for your move. Opt for a full-range of moving services so that your goods remain under expert inspection when they are on the go! The reason why choosing full-service movers is advisable is because they take care of your move from every aspect.

3. Create a list of moving items: Keeping in mind the budget you will decide for the move, you should create a supportive inventory that takes care of the budget completely. Do not move things that are useless, broken, and old or simply would not look good in your new house. All of these items should simply be taken care of some other way – either over donation or sale or disposal. You may also choose to mention the condition of the items alongside the items you will move. This will help you with the assessment and insurance claims if in case, there is some damage or loss. You may even choose to maintain your inventory online on the smart checklists and planners available over the internet to minimize your move hassle.

4. Prepare your house goods: Packing your belongings for the move would mean that each of your goods is clean and ready to be packed for the move. Right? In that case, you must have an idea of how you would want your belongings to be shipped to the destination. For that, you should bear in mind that each of the goods that you will decide to move would call for some kind of preparation – the furniture would need dusting and dismantling, the clothes would need dry-cleaning, and other household fabrics – a thorough cleaning. If you have things that you want to sell out, you may plan when and how the garage sale would be planned and how you will manage it all, by yourself.

5. Balance your mental peace: When it comes to moving, it is quite normal to experience a variety of emotions – at one point, you could be upset and at another point, you could be happy but there will be a moment when you will find yourself stuck amidst several things. At that point, it would become all the more important to take care of the mental peace. So, just have a foolproof plan for your move and keep everything ready in advance so that you are on your toes on the day of your move. Do not overstrain yourself; else you will have a tough time taking care of your well-being during the move. To feel better, you can tune into good music, have a relaxed sleep, have good food, or call for get-togethers so that everything happens well.

6. Watch the loading process: You may have assigned the goods packing task to the professionals but you will still need to be cautious of how everything is being taken care of by the moving team. If on a moving day, you are already busy with other things, make sure at least someone with your family is there to look after the final steps of the moving journey – like labeling, handling until the moving truck, and the truck loading process. Watch out for how the professionals stack your boxes and where they keep your bigger cartons and cartons containing major appliances and goods.

You can never expect your move to be seamless and straightforward. No matter how much you prepare for the move and take note of every vital aspect, certain things would not go your way and you will have to accept that and go ahead. If you have your team of movers and packers in Chennai hired on the moving project, everything would seem sorted and you will be at peace!

Get Amazon Top Reviewers and Get High Star Rating

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Amazon top reviewers: You must be wondering what does amazon top reviewer’s mean, how can an amazon reviewer rank to be a top reviewer. Amazon top reviewer is determined by customer’s vote, how helpful they find the review written on a particular product. A reviewer on amazon writes reviews on products, how they found the product, after analyzing the product or reading the book the review is written thoroughly. Once the review is written many customers who are interested in buying the product take the decision with the help of these reviews and then vote the reviewer. A reviewer can be then ranked as a top reviewer if he gets many votes by the customers.
Boost product sale with a good review: If you are interested in boosting up your product’s sale and want many customers to view your product, you need a good review for your on sale product. Amazon top reviewers can be hired to review your product and they will write a very legitimate review after analyzing your product and your competitor’s product. Thus by writing a careful, precise and critical review it results in attracting many buyers.

Top reviewer reward: As the top reviewers have helped lots of customers in choosing the right product, making the right decision that’s why amazon offers many rewards for the top reviewer. So writing a review can be critical and can be rewarded as well. Amazon top reviewers get free products and amazon sends free stuff for them.

Get Amazon top reviewers: Some sellers on amazon go with a technique of fake reviews, they buy fake reviews or write them but in this case the seller or the reviewer can get banned from amazon. Not an appropriate way as it will cost you a ban from selling or reviewing. You can do things the right way, we offer you our services if you want to assign amazon’s top reviewers, we can help you in getting the list of amazon top reviewers. Our software will give you a list of top reviewers with their contact details. We can recommend you clients that can buy your product and email the top reviewers to request for a review. This way you can directly contact the reviewers, bring your product under their attention and can discuss all the important details about your product.

How a Review by a Top Reviewer Affects the Product Sale: By amazon top reviewer we mean a reviewer who has mostly helped the customers in making the right decision and customers are voted for him and he is ranked as the top reviewer. Normally when people are buying something they look for the product’s review and if they find a top reviewer’s review for the product they show special interest. Customers know that a top reviewer has given good critical reviews on many products so if the review is in products favor the customers will definitely buy the product. So a review from a top reviewer can boost up a products sale.

Teleseminars – Turn Content Into Money Making Reports

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The benefits of hosting teleseminars are numerous. Value added for your market, multiple streams of revenue, increased visibility and increased market reach to name just a few of the many. In this article we will address a great way to generate revenue on the backend. What this means is after the fact of offering a teleseminar you can continue to make money.
There are many ways to do this; sell the recording, up sell into an ongoing course, put the content into a membership program and/or sell the transcripts.

One of the easiest ways to monetize your teleseminars is by creating low priced reports. Although it is a very simple process many people will never do this for a few simple reasons. One, they don’t know how. Two, they are not sure how to market the end product. Three, it takes time.

Another common reason people don’t monetize in this way is that they believe it involves lots of research.

Do you have to do research? Absolutely! But…what you’ll actually find is that you have done your homework right up front by virtue of the fact you created the teleseminar in the first place.

If you don’t do any research before hosting a teleseminar this is something that needs to immediately change. Research gives you important insights that can impact sales. After all, you need to know what the market needs, wants and is willing to pay for before you begin.

Once you know what your market wants you are in a better position to offer a teleseminar that will be highly attended. I am a proponent of offering free teleseminars that can be turned into revenue generators. Why? Because with free teleseminars you build an opt in list of potential and ongoing buyers.

The process for developing a money making report is actually very simple. Here are some of the primary steps:

* Host a complimentary teleseminar * Market the free event * Record the teleseminar * Have the recording transcribed * Either you or someone else edit and format the transcripts * Either you or someone else design a cover (there are plenty of templates available for the non-designer) * From there, develop a landing page for your paid report, set up your shopping cart and payment method and market the fee based report. * Price the report low in order to generate fast sales. However, you do need to know your market is interested in the topic or you won’t sell it.

When done right you can literally generate hundreds, even thousands of dollars in a matter of days.

How a Successful Website for Small Business Should Look Like

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What is a website and why is it so important when it comes to small business development? If you are an entrepreneur, then these are the first questions you should be concerned with. The thing is that any business needs a website to become lucrative and effective. A website is a kind of a visiting card for your business, which can make it popular and profitable. Those business owners, who overlook the importance of launching a website, lose lots of opportunities to succeed in their endeavor. Some of the reasons that speak in favor of getting a business website are as follows:

Business Advancement

By launching a website, you have more chances to attract the attention of your target audience. Whether you create an eCommerce website, a promo website or any other online resource, you can develop your own marketing strategy allowing you to promote your company on the web. It is up to you to decide what content to publish at the resource. The only obligatory requirement is to make this content interesting and useful for the users.

Cost Efficacy

Establishing online presence is a nice way to cut down the expenses associated with your business specialization. There is no need to pay for renting an office, bother about the taxes, hire extra staff or invest into advanced security measures to protect your products from theft or damage, for example. Everything you need is always at hand.

24/7 Accessibility

Having a website makes it possible to keep your business accessible any time of the day, including weekends and holidays. As a result, your clients have more chances to get in touch with you when they need it most.

Credibility and Convenience

Clients tend to trust those businesses, which have their websites. Such businesses look more credible, because their owners are ready to invest in them. What’s more, it’s very convenient to have a website, especially in those cases, when it comes to managing a network of shops or offices.

Now that you realize the importance of having a small business website, it makes sense to focus on those elements that are essential for any site. The most important of them include:

1. Web Design Elements

To make your website popular, you should initially make it visually appealing. This is where the application of versatile web design elements will be of great help. Currently, well-designed websites should provide interactive and engaging experience to make users interested in your business. This can be achieved by the implementation of different effects, such as the use of videos, photos, images, responsive design elements, scrolling, parallax effects to mention a few. Take your time to select the elements carefully to make sure they are of high quality, meet the requirements of your real and potential clients and correspond to the specialization of your business.

2. Client Reviews

Regardless of the specialization of your business, it’s crucial to add a client review field to your website. According to statistics, around 80% of users look through online reviews prior to making use of certain services or products. This makes them feel sure about the credibility of a company they deal with.

3. Must-Have Pages

When it comes to designing a website, it’s important to have the pages that will provide users with important info. These pages can be found at the majority of websites and include an About Us page, a Contact Page and what not. The more information your clients may get, the more chances you’ll have to make your business popular.

Suppose, you have realized the importance of launching a website and making it user-friendly. What should you do to get the one for your business? There are several ways you may choose, but the simplest and the most effective option is to use a popular and trusted website builder to create a website for your small business. Have a look at the reviews of the most popular web building services available at https://superbwebsitebuilders.com/ to get the idea of how a trustworthy website should look like. What you should know is that website builders make it possible to launch a powerful and functional website with no special effort and waste of time. They have all the required tools and features to create a site that will make your small business lucrative and popular.