Are you one of the plain insurance agents? Agents often prefer to upgrade their title as an insurance specialist or financial advisor on their business card. Names like life advisor reflect positive experience and knowledge. Which of these different terms distinguishes you from being just one of the insurance agents? Here are 101 top choices to pick from.
There is a lot more to a name then may realize. Calling yourself an agent or sales agent makes you sound run of the mill. It also projects the sound of a salesman trying to sell you something. Few people enjoy feeling a person is selling them anything, it stinks of pressure. This is why in this list of different terms you will see how high words like specialist, expert, and professional rank. The prospect gets a completely new perspective, just by the title you give yourself! Prospects closely take notice when an agent jointly works with them in reaching a decision on what is the best plan of action. Prospective clients want to feel like they are part of the decision process.
Important internet search tip: to get an accurate count use quote marks around your term, “insurance specialist” will only give you that term in that exact order. Without the quotes you would also get all instances of people searching terms such as specialist insurance, specialist in writing insurance claims, specialist in automobile insurance sales, etc.
To give this article value, in front of each of the insurance agents distinctions is the number of current Google listings. This way you can easily see how often internet views “insurance agent ” look-up terms like specialist, planner, representative, and. advisor. Please remember the Google count figures often change daily.
1. 10,600,000 = financial advisor
2. 6,690,000 = insurance agent
3. 4,280,000 = financial planner
4. 2,120,000 = investment advisor
5. 1,780,000 = insurance agents brokers
6. 1,600,000 = investment adviser
7. 999,000 = insurance guide
8. 735,000 = insurance specialist
9. 638,000 = financial expert
10. 604,000 = financial professional
11. 590,000 = financial specialist
12. 513,000 = life pro
13. 433,000 = insurance professional
14. 431,000 = health insurance agent
15. 322,000 = insurance expert
16. 271,500 = insurance salesman
17. 269,000 = life professional
18. 268,000 = life insurance agent
19. 253,000 = insurance consultant
20. 252,000 = insurance advisor
21. 244,000 = insurance sales representative
22. 219,000 = insurance manager
23. 218,000 = estate advisor
24. 217,000 = insurance executive
25. 189,000 = estate planner
26. 186,000 = independent insurance sale
27. 179,000 = insurance sales agent
28. 155,000 = insurance seller
29. 130,000 = insurance producer
30. 126,000 = investment representative
29. 120,000 = insurance authority
30. 119,000 = insurance representative
31. 112,000 = life agent
32. 107,000 = life insurance specialist
32. 104,000 = life specialist
33. 102,000 = insurance adviser
34. 89,900 = insurance sales manager
35. 86,200 = licensed insurance agent
36. 85,200 = insurance manager
37. 71,000 = health agent
38. 66,600 = insurance pro
39. 65,100 = insurance sales rep
40. 60,000 = insurance designer
41. 59,400 = insurance sales person
42. 55,600 = life consultant
43. 54,500 = group agent
44. 52,200 = ins agent
45. 50,100 = estate adviser
46. 50,000 = insurance pros
47. 46,800 = insurance counselor
48. 43,800 = financial pro
49. 43,400 = insurance salesperson
50. 40,200 = insurance sales specialist
51. 37,700 = life producer
52. 37,000 = insurance sales executive
53. 35,400 = independent insurance brokers
54. 34,700 = long term care professional
55. 34,500 = financial planning advisor
56. 33,900 = medical insurance specialist
57. 31,300 = health insurance professional
58. 29,300 = life insurance expert
59. 29,000 = insurance rep
60. 28,900 = financial planning advisor
61. 27,500 = health insurance specialist
62. 26,000 = health insurance advisor
63. 25,500 = independent insurance professional
64. 24,700 = employee benefits specialist
65. 24,000 = life advisor
66. 22,900 = life insurance advisor
67. 21,800 = life insurance sales specialist
68. 19,900 = life insurance professional
69. 19,300 = insurance producer
70. 19,200 = licensed financial planner
71. 16,200 = health insurance producer
72. 14,900 = insurance sales consultant
73. 14,000 = term life insurance broker
74. 12,800 = long term care specialist
75. 12,700 = annuity specialist
76. 12,500 = estate planning specialist
77. 12,200 = insurance marketer
78. 11,950 = life insurance representative
79. 11,900 = insurance planner
80. 10,600 = insurance sales professional
81. 10,400 = life insurance advisor
82. 10,200 = insurance writer
83. 9,650 = insurance recruiter
84. 9,480 = financial planning advisor
85. 9,030 = estate planning advisor
86. 8,570 = annuity broker
87. 7,520 = insurance general manager
88. 7,070 = insurance trainee
89. 6,800 = long term care insurance specialist
90. 6,670 = term life insurance agent
91. 6,440 = long term care insurance agent
92. 5,870 = licensed life agent
93. 5,300 = financial insurance agent
94. 5,270 = annuity agent
95. 5,080 = ins professional
96. 5,030 = medical insurance professional
97. 5,010 = disability insurance agent
98. 4,990 = employee benefits professional
99. 4,430 = mortgage insurance agent
100. 4,200 = disability insurance specialist
101. 3,900 = long term care agent
For your own sake, never tell prospective clients that you are one of 1,500,000 insurance agents licensed to sell life, health, annuities, and financial policies. The term insurance specialist or insurance professional immediately makes your prospect more confident of your abilities. However, please do not use the overused and abused terms of financial planner or estate planner unless you actually are qualified to be one.
If case, you are interested, here are more titles with over 1,000 Google entry occurrences that did not make the top 101 list. They include group health professional, ins specialist, insurance marketing representative, health insurance adviser, ins representative, term life insurance specialist, mortgage life insurance agent, insurance marketing specialist, disability insurance broker, life ins agent, term life agent, senior market specialist, life investment adviser, MDRT insurance agent, and insurance saleswoman.
Should you want to get more attention on major search engines like Google, Yahoo, and Ask, here are some tips. On the front of your website entry page, use the title and first line to put a more descriptive term about the services you provide. Rather than announcing “insurance agent for many products”, try this, “medical insurance professional and disability insurance specialist.” Both these titles only have about 5,000 competing entries, which could include 3,500 to 4,000 weak ones each. Now it depends on following the advice given, and internet search engine skills you possess. An internet searcher might now find you in the top 100 listings for each of the terms! On an “insurance agent” search, with well over 6,000,000 listings, it might take a 24/7 week to find you listed toward the end of the heap.
Is Travel Insurance Right For You?
Round the clock room service, clean accommodations, but it’s a tourist’s nightmare. You’re not in a hotel, you’re in the hospital, having had the misfortune of getting sick in the middle of what was supposed to be a dream vacation. And the worst thing is that you’ll be spending more on health care than you would’ve on an actual tour.
Travelers often think that travel insurance is just a waste of money – it is an expense for something that they would likely not use anyway. Foregoing insurance can be a tough decision. In order to help you arrive at the right decision you should ask yourself the following questions:
What is the coverage of your current insurance? If you already have a great comprehensive insurance, you may not need any other insurance. Some policies would cover treatment given anywhere in the world.
What are the limitations of the proposed plan? Try to find out the stipulations being offered by the plan as well as the conditions for the coverage. You wouldn’t want to be blindsided when you do get to use the plan.
Where is your travel destination? Study the places you will visit. Does the environment pose more health risks?
Are you the type who visits the doctor often? Determine how many times you have visited a doctor or the hospital over the last few months. People who worry about their health too much are better off getting health insurance.
Do you get sick often? If you are the type who catches bugs easily then insurance is the best option.
How much would the insurance cost? Ultimately, you will have to consider how much you are going to spend. If you already pay for health care then paying for one while you are travelling should be just another incidental expense for you.
What are the limits of the plan you are considering? Do you want to incur no costs on the road, or do you want to take your chances with a high deductible? Will your policy provide coverage for an ER visit if you cut yourself in your Sydney hostel kitchen? What about emergency evacuation? Will you be somewhere with good health care or should you expect to be sent to another country in case of a serious injury or treatment?
Travel insurance, though often overlooked as not necessary, may be well worth the small expense when you find yourself at the mercy of overseas health care and the environmental risks of foreign countries.
The Dirty Little Secret that the Insurance Companies Don’t Want You to Know
Most of us are good citizens and purchase liability insurance to cover us in case we cause an accident. Some people purchase minimum liability coverage and some people purchase more.
When you buy this insurance you are doing it to not only comply with the law, but to protect you and your assets in case you cause a car, motorcycle, or other motor vehicle accident.
Now let’s say that you get into an accident that is your fault; you report the accident to your insurance carrier; you think that your insurance company will cover you pursuant to your insurance policy right? WRONG!
If you read the fine print in your insurance policy you will notice a bunch of language that most non-lawyers would not understand. The gist of the language in plain English is that by accepting the insurance policy, you agree to cooperate with the insurance company if they decide to litigate, and the insurance company is the one who decides whether a case will be settled, not you.
The insurance companies are all about making tons of money and paying as little as possible. Since the advent of legally mandatory insurance coverage (Proposition 213 in California) the insurance companies have become very cavalier because their coffers are full of your money.
Instead of settling meritorious claims, they are forcing claims to be litigated in Court in an attempt to stop personal injury lawyers from obtaining a just recovery for their clients. They know full well that personal injury lawyers do not have as much money to litigate as they do, so their ploy is to starve out the personal injury lawyers and ultimately make it harder for people who are injured in accidents to obtain a recovery. In the end it is the consumer and persons injured in accidents who are hurt, while big business makes more profit at your expense.
Even people who cause accidents and have proper liability insurance to cover the claim are being victimized by the insurance companies.
The insurance companies are experts at deception. With your money, insurance companies contribute money to politicians, and run media ads which blame the personal injury attorneys for making insurance rates so high. What they don’t say is that the backlog in Court is due to the insurance companies not settling claims like they should in the first place.
Now let’s go back to the example of you causing an accident. If the insurance company is unreasonable and refuses to settle a case at or below policy limits, you will then be dragged through the legal system. You may have to answer discovery, appear for depositions, and even take time off to go to trial. This is a long and arduous process that you did not think that would have to deal with when you purchased liability insurance. Surprise!
If you lose at trial, the insurance company will in most cases pay the judgment, but guess what; YOU WILL HAVE A JUDGMENT AGAINST YOU ON YOUR CREDIT REPORT, and in the Court file! Thanks to your insurance company your credit has just been dinged due to no fault of your own.
Is this fair? I submit to you that it is not. You paid for insurance; the insurance company could have settled the case for you within your policy limits; instead, they decided to litigate in an attempt to minimize what they have to pay out so that their profits remain high. They did so without any regard for your credit report, or having your name appear in the public record as having a judgment against you.
Many insurance companies have in-house lawyers; some use outside lawyers. These lawyers are supposed to have a duty to you to do what is in your best interest. The reality is that they do what is in the insurance company’s best interest. This is the ultimate conflict of interest. Ethically the attorney that the insurance company uses to represent you has a duty to you, not the insurance company. The reality is the attorney gets his marching orders from the insurance companies.
A worst case example is the recent Hurricane Katrina disaster. Have you read about all of the poor people who are getting screwed because they are not being covered by their insurance companies for insurance that they paid for?
It’s time for America and consumers to wake up and smell the roses. It is not the trial attorneys that are the problem; its big business wanting to screw the little guy so they can obtain more profit at your expense. Some have made this a political issue. I have even heard President Bush talking about Tort reform, and blaming the trial attorneys for the nation’s health care woes.
Anytime you here tort reform remember one thing; you are about to be screwed! Anytime your right to recover for damages in a Court of law is infringed upon, you will be the victim, while big business rakes in the mula!
By Norman Gregory Fernandez, Esq., © 2007
Top 7 Tips on How Injury Victims Can Beat the Insurance Company
It is an unfortunate reality that auto accidents occur at a staggering rate in the State of Washington and throughout the United States. Along with the potential shock, injuries, and property damage associated with a car accident comes the inevitable battle with the insurance company. In order to ensure that you don’t throw away your rights when it comes to being injured in a traffic collision, here are seven tips on how you can protect yourself against and beat the insurance company.
1. Identify all witnesses so there will be someone to support your case if it goes to court.
2. Get all contact information from witnesses at the scene. When you interview them, ask them what they saw and make a note of phrases they used like “slammed into,” “plowed,” “speeding,” or “he ran the red light.” Some people believe that there are insurance companies who send adjusters to the scene of an accident in order to catch people off guard, asking incriminating questions or to have them sign away any rights they may have to future compensation. So, beware of insurance representatives at the auto accident scene. To avoid being questioned about your injury by an adjuster, schedule a doctor’s appointment as soon as possible after the accident.
3. Many attorneys are frequently asked by adjusters, “If your client was truly hurt, why did he wait so long to see a doctor?” If you are hurt in an auto accident in Washington, seek medical attention as soon as possible. Immediately after the accident, take pictures of your car.
4. A picture taken of your car at the accident scene is proof that is difficult to dispute. Pictures of the damage will help tell your story. If you can, take pictures of the other cars involved in the accident. Some people carry a small, inexpensive camera in their glove compartment for these types of situations. Also, many cell phones are equipped with a camera feature and can be used for this purpose. Also, take pictures of your injuries before they heal. Bruises and other injuries heal after several weeks, and months after an accident. When the insurance adjuster is arguing that the crash was not very significant, pictures of your bruises and other injuries will help solidify your claim of injury. Keep notes about your injuries.
5. As weeks or months pass after an accident, you might forget how it hurt just to get dressed, and the adjuster will try to make it seem like any description you give is an exaggeration. Keep track of any pain medications you may be prescribed for your injuries. Obtain letters from your employer and family describing how the injury has changed your life. These kinds of written documents are invaluable when presenting your claim to the insurance adjuster or to a judge and jury in court. Keep receipts, because the adjuster will ask for proof of anything you claim as an expense.
6. You should definitely keep receipts for prescriptions, household services made necessary by the injuries you suffered in the accident, car rentals, etc. Keep each of those receipts so you can document every expense. The insurance adjuster may try to tell you that your claim is worth much less than it really is.
7. It is highly common for an injured victim to not know the real value of their claim. And an adjuster will try to get you to believe that your claim is worth much less than it actually is. It is the adjuster’s job to save the insurance company money by settling your claim for as little as possible. The adjuster will try to make your claim seem unimportant, so you may want to seek assistance elsewhere to determine your claim’s true value. The bottom line: The insurance company is not on your side.
The goal of the insurance company is to make as much money as possible. They do this by giving you as little as possible for your injuries.
Protect Yourself in Case of a Car Accident – Insurance Companies Are Not on Your Side
What You Should Do if You Are involved in a Car Accident
It is unfortunate that most people don’t know what to do when they are involved in an accident. My own mother was recently in an accident, and she called me frantically asking what she should do. Knowing what to do is important for protecting your health and protecting your interests with the other drivers and the insurance companies. This is true even if you are at fault.
The most important thing after an accident is your safety. If you, the other driver or any of the passengers are seriously injured, make sure you summon help. Call 911, the one stop phone call for police and ambulance. If no one involved has any apparent injuries, it is still advisable to make a non-emergency call to the police department and request police presence at the scene of the accident. In most cities, including Las Vegas (and the surrounding areas), you may dial 311 for non-emergency police dispatch.
In case of injuries and/or property damage, the police presence is very important so that a police report can be prepared and later used in obtaining the appropriate compensation from the appropriate insurance company or companies, even if it’s your own insurance provider. Compensation may cover medical treatment, property damage, loss of wages and/or pain and suffering.
If the police are called, through a 911 emergency call or 311 non-emergency call, the police will insure that all of the appropriate information is reported in the police report. If there is no apparent injury or property damage, and/or if the police do not come to the scene of the accident, then exchange information with the other driver. Obtain the name of the driver, the car registration information and the insurance carrier and policy number. Provide your information to the other driver.
Do not make any statements other than facts, and only to the police, pertaining to the accident and how the accident occurred. Do not make any statements about your state of health; remember that many injuries may be latent injuries that may not manifest themselves immediately. Contact a personal injury attorney immediately; do not communicate with the other party’s insurance company or report your accident to your insurance company before you consult with a personal injury attorney. In most cases the attorney assumes the responsibility to make such contacts on your behalf, but will tell you if you should make contacts of any kind. Remember that it is in the interest of the insurance companies to understate the injuries and damage cause by an accident, so that they pay the least amount of compensation. The attorney knows how to deal with the insurance companies and get you the compensation you deserve. The more serious the accident, the more important it is that you contact a personal injury attorney.
Ramzy Ladah, Esq.
Las Vegas Personal Injury Attorney, PLLC