Yes you can. Your client owns their life insurance just like a house or car. When they struggle with upkeep or don't need or want their policy anymore you can help them sell it to a third party, a transaction known as a life settlement. Selling their policy often is the best option for your client, especially when they face involuntary lapsing. 

Insurance Startups Changing How You Buy Car Insurance

Traditional car insurance base driver’s rates on a number of factors. There is usually a very long and detailed questionnaire, that ask questions like number of eligible drivers in the house, how long have you been driving, your current zip code, your age, the number of accidents, number of any moving violations, do you rent or own your home, job title, highest level of education, the number of miles driven etc. Now you may ask yourself, what do all these questions have to with getting my car insured? Traditional care insurance companies take the answers to all these questions and load them into an algorithm to determine the risk factor of you having an accident. Based on those answers, or the results the algorithm uncovers, traditional car insurance companies will decide to insure you or not insure you, or give you a higher rate. The bottom line is traditional car insurance is based a combination of many factors, but the most important factor is demographics and driver’s history.

Insurance for a Home Based Business

Running a business out of your home is a popular choice in the United States. It is estimated that there are approximately 32 million home based businesses which include people operating their business on a part-time and full-time basis. There are a number of insurance issues that arise from running a business out of home including the business property in the home as well as liability issues. There are other insurance issues to take into consideration as well such as commercial auto insurance, professional liability, and workers compensation if you employ others in your business.

Insurance for Cleaning Service Businesses

Whether your business is a maid service, janitorial, or carpet cleaning, having the right insurance will protect it from costly lawsuits if something goes wrong. There are certain insurance policies that every business needs, these types of businesses included. The two main policies are general liability insurance and property insurance which can be purchased separately or packaged together in a policy called a business owners policy. As these types of businesses have vehicles involved another necessary insurance policy is commercial auto insurance coverage.

Workers Compensation: A Complete Guide for Business Owners

Odds are if you own a company and have employees you need to buy workers compensation insurance as a requirement of doing business. The purpose of workers compensation is to help employees of businesses who get hurt while working on the job. These types of insurance policies are designed so that employees who are injured while performing their jobs will have the resources needed to deal with their injuries and get back to work when they are able to do so. A workers compensation policy also provides benefits to the dependents of an employee if that person is killed on the job.

Insurance for Photography & Videography Businesses

There’s a large group of people who make their living as a photographer, videographer, or even both. Some operate as a sole proprietorship while others expand their business and hire additional people. Additionally, there are some that work out of their home and provide their services at other venues such as weddings or making videos for other businesses. Others own a studio where the photography takes place and might or might not offer their services at other locations.

Insurance for Construction & Contracting Companies

There are three things that anybody in the trades, such as construction and being a contractor, needs in order to properly run their business. These three things are to be licensed, be bonded, and be insured. This article will discuss this third need and what types of insurance those who own construction and contracting firms need to be aware of and what they are protecting themselves and their businesses against.

Insurance for Barber Shops, Salons and Spas

With more than 400,000 beauty salons, barber shops, and spas being run as small businesses across the United States, these types of businesses are a popular choice for entrepreneurs. Having the right commercial insurance policies in place is a very important part of running any type of business and these are no exception. In addition to property coverage, general liability, workers compensation, and business interruption insurance these types of businesses also need to have a professional liability policy.

Landlord Insurance - A Complete Guide to Rental Property Insurance

Landlord insurance is a type of personal lines insurance policy that people who own rental homes need to purchase in order to insure them. The policies provide coverage in case the home is damaged in a number of different ways such as by fire, hail, water, vandalism, and more. The policies also provide other coverages such as liability and loss of rents if the home can not be lived in for a period of time due to a covered claim.

How to Write a Convincing Demand Letter to Settle Your Insurance Claim

Even though you do your best to stay safe, the time may eventually come when you’re involved in an accident where the other party’s is at fault. When this occurs, you could be stuck with loss of wages, damaged property, and medical bill expenses. Whether it’s just property damage or personal injury, you need to know that the at fault party’s insurance is willing to indemnify you in the case of a claim. Writing a demand letter is the best way make sure that all your expenses and losses are taken care of. This article will be a step by step guide on how to write a convincing demand letter to settle your insurance claim.

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