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When people think of insurance they often see it like a one-way highway which leads only to providing protection. True enough, an insurance is indeed designed to first and foremost provide protection. But an insurance policy, especially life insurances, can do a lot of other functions to us than just protecting us and our loved ones. Below are some of those other functions that we may possibly have never considered:

1. Preparation for children’s education.
Since unit-linked insurance types accumulates wealth over time, it is a good way to save up for our children’s education. There are a lot of people these days who get insurance policies for their children for the purpose of saving up early for their college tuition. Getting insurance policies for babies and children is such a smart move since they (or the parents, as the policy owner) will only be required to pay small premiums because of the age of the life insured.

2. Preparation for retirement.
There are also other people who gets an insurance policy to force themselves to save for their retirement. When you get a policy at your twenty’s and decide to use your fund value at your sixty’s, imagine the earnings that you have already accumulated over time. The key here is to be smart when withdrawing funds, it has to be on a time when the units are performing well.

3. For the realization of long-term or short-term goals.
There are also other people, mostly couples, who gets an insurance to save up for projects like a house, car, business, or luxurious vacation. These are people who see the many advantages of putting their money in insurance companies for the long term to reap great benefits.

If you need to know more about the functions and advantages of getting an insurance, then talk to our customer care attendant here in Quote IB. We offer the best insurance services in Main St. Worcester MA that you will find no more reason to seek out other companies. Here in Quote IB, we don’t just provide you with the best insurance services in Main St. Worcester MA, but we also assist you in making big financial decisions for you and your family.

So call Quote IB today at (800) 425-1843 if you want to experience the best insurance services in Main St. Worcester MA. And you will see that there is actually more to insurance policies than those that you have initially presumed.

We hope you found this blog helpful. For any feedback or thoughts, please don’t hesitate to share them with us through the comment box below.

Many people who have not been clearly explained about the necessity of a life insurance easily assumes that they don’t really need it. But to be honest, everyone needs a life insurance. In every stage of our life, there will always be a need to protect ourselves or our loved ones. That is why it is never right to say that we don’t need an insurance today because we really do.

For the single and free.
So you are on your own with no one who is dependent on your income. Then take a look at the mirror. Who will feed that person that you see in front of you should you ever get diagnosed with a disabling disease? Who will pay for your hospital bills if that person ever encounters a serious accident? What will that person do if he suddenly finds himself stricken with a terminal illness? Being on your own has its highlights but remember that if you are alone, then you only have yourself to back you up.

For the happily married and starting a family.
You may think that an insurance policy is not a priority now that you are still building a family. You have rent, mortgages, bills, and children’s education to pay and prepare for. That is why an insurance agency is the last thing that you need. Really? What happens when you take yourself out of the picture? Who will take care of your wife and children? Can you really imagine them going hungry or unsheltered because you have not made a provision for their welfare should you be gone? Remember to always protect the goose that lays the golden eggs – first.

For the retired and having the time of their lives.
Our retirement is the longest holiday of our lives. This is true to those who have prepared enough financially. Once you advance in age, your needs for medical attention and assistance also increases. Where will you get the money you need if your company-subsidized retirement pay is only enough to subsidize you most basic
You see, all of us needs to avail of the best insurance services in Mableton GA.

Whatever stage you may be right now, you need to have nothing but best insurance services in Mableton GA. Conveniently get a quote for a life insurance through us here in Quote IB. In Quote IB, you have the option to request a quote online or to call us at (800) 425-1843 to talk to our friendly customer care staff who can attend to your queries about getting the best insurance services in Mableton GA. So make sure to make that call or request a quote from Quote IB today.

There are insurance quote websites and there are insurance quote websites.

The vast online market has spawned different types of businesses covering various industries, some of which legit, others fly by night.

Websites devoted to providing insurance services are not immune to this reality. There are genuine operators here just as there are phonies. We just have to be extra careful and vigilant as to who to trust to, so we won’t fall into the trap of the unscrupulous individuals and organizations. Scammers abound here because of the huge amount of money circulating in the industry.

Investment and Protection Rolled Into One
If you are currently in search of a trustworthy insurance agency, we take great pride in endorsing to you our firm Quote IB, the truly best insurance services in Main St. Worcester MA. Our portfolio of insurance products does not only offer protection for you and for your own family especially in times of the unexpected and the unknown. They also serve as attractive investment packages.

We have been a steady source of reliable insurance solutions across the whole of United States, more particularly in Georgia, Massachusetts, Rhode Island, Maryland, Virginia, New Jersey, New York, Connecticut, Ohio, North and South Carolina, Texas and New Hampshire.

You can grow your money with us, while you are being protected. We offer you only the best deals in the market, thereby making it possible for you to enjoy comprehensive policies at easy to pay premiums.

Our services include:

• Whole Life Insurance
• Term Life Quote
• Property and Casualty Insurance
• Final Expense Insurance
• Health Insurance
• Annuity
• Educational Plan
• Legal Shield Services

For more details about these services, please call us at (800) 425-1843. You can also communicate with us through email at Quoteib@gmail.com, Facebook, Twitter, LinkedIn and Google+.

Better yet, talk to any of our agents at our office in 340 Main St., Suite 648 Worcester, MA 01608 (view map and directions »), P.O. BOX 849 Austell, GA 30168.

Click our website getquoteib.com and get free quotes. You will find out why we are your best insurance quote site.
Choosing us as your investment and risk management partner is your best choice yet.

Please join our conversation by posting your comments, reactions and suggestions related to our topic.

If there is a type of insurance policy where you could benefit from it in more ways than one, it would be whole life insurance.

There are just varied ways to take advantage of it.
First off, it guarantees lifetime protection for you and your loved ones (provided premiums are updated to keep the policy active). It helps prepare the family for the unexpected. For instance, the death benefit can help replace loss of income of the family.

Secondly, it accumulates cash value over time, so it functions as an investment instrument.
Thirdly, the cash value can be accessed during the insured’s lifetime if there are expenses that need to be taken care of like the education of the kids, buying a new house, buying a car or defraying the costs of other contingencies. You just have to borrow against it (it takes the form of a loan), often tax-free.

Cash value may even earn dividends, but these are not guaranteed, though.

Hit Many Birds with One Stone, Choose Quote IB
If there is an insurance provider where you could hit many birds with one stone, thereby getting the most for your money and your effort, it would be our company Quote IB, the Best Insurance Services in Mableton GA.

First off, we are your partner in risk management. Our list of products and services offer protection for you and your family especially when the unexpected happen.

Secondly, Quote IB is your investment partner. We have products where your money grows over time while you are being covered.

Thirdly, we are your best insurance quote website. All you have to do is access our website getquoteib.com and you can get free quotes by clicking the GET FREE QUOTES tab.
By making sure that you are steadily protected when disasters strike, the top rated source of the Best Insurance Services in Mableton GA enables you to enjoy peace of mind in the investments you hold. Our coverage includes multiple benefits and advantages even at such economical rates for premiums.

To remind you of our products and services, here they are:

• Whole Life Insurance
• Term Life Quote
• Property and Casualty Insurance
• Final Expense Insurance
• Health Insurance
• Annuity
• Educational Plan
• Legal Shield Services

Talk to any of our sales agents now, so you can get more details about these services. You may call us at (800) 425-1843. Send us a message with your queries and requests through email at Quoteib@gmail.com. Please follow us on Facebook, Twitter, LinkedIn and Google+.

We would be glad to welcome you to our place at 340 Main St., Suite 648 Worcester, MA 01608 (view map and directions »), P.O. BOX 849 Austell, GA 30168.

How do you find whole life insurance? Please join our conversation by posting your views on the topic at the comments section below.

For those who are adept in terms of insurance products and familiar with the insurance industry, you would be well aware how most clients are highly inclined to getting whole life insurances rather than the more traditional term life plans. But despite its lesser popularity, it still has a considerable patronage, that most insurance companies still offer them despite their identified disadvantages.

Obviously, a good percentage of the population still opts to get term life insurances. We share below the top reasons why:

• People need a more affordable option.
  Term life insurances are almost always more affordable than its counterpart. Depending on your agent, term life can be customized to only cater to the most basic benefit which is the sum assured in the case of death and need not add on other benefits that will also add up to the cost. With term life insurance, you get to have the basic protection you need at the price you can afford.
• No need for medical examinations should you decide to shift to whole life.
  A policy holder can always choose to shift to whole life policies. The good thing about already having a term life insurance is that you need not get another medical examination to have your application approved. You can simply shift to another policy type without the necessary medical-related hassle. This is great for younger clients who can still take advantage of their current health status.
• You get the most basic thing you need from a life insurance: protection.
  There are really people who don’t need the savings, or the added insurance riders. All they need is protection, plain and simple. Though only effective within a specific number of years, term life insurance can provide the simple needs that some customers need – at least for the mean time.

Financial constraints need not hinder you from having yourself and your loved ones protected. There will always be plans and policies that can answer your insurance needs at the price you can afford. Quote IB provides help to individuals who are looking for the best insurance services in Main St. Worcester MA but are currently limited when it comes to financial resources. We provide solutions that will help you attain peace of mind knowing that your loved ones will not be left with nothing, should you or your income ever be taken out of the picture.

Request for an online term life quote today or call our customer representatives or agents to know more about your other life insurance options.

Deciding to get a whole life insurance is a very clever investment for most people. Unit-linked life insurance provides income protection for your loved ones just in case you move on from this life earlier than them. It also acts as a savings account where you get to save money for yourself and earn interests higher than the average bank offers.
But before you get too fascinated with anything related to fund values and growth rates, remember to be careful about the following things first:

• Be mindful of the type of funds where your money will be invested in.
  An insurance agent will usually assess your risk profile to know which type of fund will have you most comfortable to invest in. During this fact-finding, make sure to give your most honest answers so that you will yield the most appropriate result or recommendation. Do take the time to have your agent explain to you the type of fund where you will be investing in so you can set realistic expectations and be aware of painful realities should they ever hit you in the future.
• Get to know the actual average growth rate rather than be influenced by tables and charts.
  For the purpose of illustration, your insurance proposal usually comes with a table showing the projected growth of your funds based on specific rates (as approved by your insurance-regulating body). Be careful not to set your hopes too high based on the numbers you will see. It is best to ask your agent, instead, about the average growth rates of the different funds they have so you get to have a more realistic benchmark and can manage your expectations.
• Go back to why you are getting a life insurance in the first place.
  Remember that you are getting a life insurance for the death benefit, first. So whenever you get too obsessed with looking at the fund value, get yourself back to focus and be reminded that for as long as your beneficiaries will be afforded with the sum assured, you will never be in the losing end. The fund value that you will be getting is only the icing, so never undermine the cake.

For a more comprehensive discussion on the benefits of unit-linked whole life insurance, call the agency who provides the most honest and the best Insurance Services in Mableton GA. Quote IB is not only here to offer you the best whole life insurance in the market we also make sure that we properly explain to you the returns you will be getting with the investment you have made with us.

Call us at (800) 425-1843 to talk to our insurance experts.

Can you imagine a world without the system of insurance?
Centuries ago, the term “insurance” was inexistent. Yet, citizens needed an organized system to eliminate or at least minimize the negative effects that perils bring. So eventually, insurance gained its important place in the country and in the whole world.

Any person or property which a person belongs to is at risk to various perils- fire, flood, earthquakes, theft, loss of life and even more. Through the system of insurance, risks are spread to all members or individuals who have also consented to pay a premium in lieu of being compensated or indemnified once the insured peril occur.

But how did it begin? How did Americans start to feel the essence of certain insurance companies like Quote IB?

Before Codified Laws
By studying human history, it could be adduced that the concept of insurance, which is to spread the risk among a group of individuals, has long been present in the society. Even before any rules or laws on such method has been codified, ancient people have already exhibited such through the simple exercise of hunting.

Whenever ancient inhabitants of the country would want to hunt their food, they would go to the jungle in groups- through this, the risk of getting killed by wild creatures is minimized. This concept continuously evolved through the past centuries.

The Hammurabi Code
Among the fist codified rules on insurance is the Hammurabi Code which was initiated by King Hammurabi. The general principles and laws guiding how the citizens shall act, were written or carved on a Babylonian obelisk monument.

More specifically, the rules on the Hammurabi Code regarding insurance offered a basic insurance wherein a debtor would no longer be obliged to pay his loan if he, the debtor, dies or becomes incapable of paying the debt.

Coffers of Guilds
Back in the middle ages, craftsmen were trained through the guild system and once apprentices become masters, they paid dues to the guild. This system is similar to what we commonly refer to as “insurance fund” or “group coverage” at present.

The amount received by the guild was often used to rebuild a master’s practice which was destroyed or burned down, or to cover for amounts robbed or stolen from the master.

Marine Navigation
Navigating through the waters centuries ago was ten times more dangerous than at present time. In the late 1600s, when shipping has started to become a popular, easier and faster practice of transporting goods, the practice of underwriting emerged in London.

The basic system of underwriting is characterized as the method where people who were interested to take the risk for a set premium would attach their signature in the manifest of cargoes to be transported, indicating which particular part of the cargo they will insure.

Rise in America
Insurance initially thrived in Europe and in the country, it took more than a century to establish the system of insurance. It started in 1752 when Benjamin Franklin founded America’s oldest laws on insurance.

Today, insurance has already become a part of the daily lives of Americans. In fact, almost anything we can own or possess could also be insured so long as we can establish our insurable interest on such objects.

For this reason, it is incumbent upon every citizen to know more about insurance and everybody should not just leave the assignment of researching about it to the providers of best insurance services in Main St. Worcester MA.

In a world full of uncertainties, you should find a way to keep up with the changes that might probably come your way. The only effective method to do this is through getting yourself essential insurance policies.

Among all insurance policies available in the market, Quote IB recommends that we these policies for us and for our family members the following.

1. Long-term Disability Insurance. Each year, at least 10% of Americans get into accidents or fall sick, and this often leads one unable to report at work. This inability to work may be for just a short period of time or this may take longer. Having to leave work for a short time may be fine, as your family savings can cover up costs for the weeks or months you’d have to rest. Nevertheless, if you will be incapable of reporting to your office, it will not just prejudice your job but it may also be disadvantageous to your family. Through long-term disability insurance, you can protect your future earning power- you can rest, assured that whatever happens to you, your family will survive for years.
2. Health Insurance. Are you aware that in 2009, most personal bankruptcies were due to health-related costs?
   The growing demand for medical care is the fundamental reason why this type of costs are shooting up. Since this is a necessity which families could not forego, a lot of Americans spend hundreds or thousands of dollars for hospital bills, after-surgery fees and medications. If you want to save and not feel too burdened whenever anyone in the house gets sick or injured, make sure to get a health insurance for you and for your loved ones. Premiums will vary depending on the current health status, age and other circumstances of each individual.
3. Life Insurance. Death is certain. Despite practicing strategies to get healthier and maintain our well-being, we will never know when our time on earth will expire. Thus, if you have people depending on you, you should prepare an indemnity program for them. As beneficiaries of life insurance policies, your chosen recipient or recipients will be able to get a considerable amount of money to help them get through life despite your passing.
4. Property Insurance. Whether your property is mortgaged or not, it will always be advantageous to get an insurance policy for it. Primarily, you will not be able to get loans and use your home as mortgage without it being insured. However, it is not the sole advantage you can get from insuring your home. Your home is our most precious possession. Probably, you have inherited it from your ancestors or you might have built it through our own sweat- but your house will be equally important however method you have acquired this property. Hence, it is but right to insure it from all perils. Although a majority would not like the mindset of preparing for an ill circumstance, your trusted insurance company, giving you the Best Insurance Services in Mableton GA, believes that you should just perceive getting insurance policies as investments- something you could surely be thankful for in the future.

Perhaps you have been approached by an insurance agent for more than a single time. And for more than once you have said “no” to them, as well. Don’t worry, you are not the only one. There is more than half of the population in this entire planet who has also said no to an insurance agent once, twice, or more times than you did.

Those who say no are usually those who have not been properly explained about, or have not deeply understood the essence of an insurance policy. This is not entirely their or your fault. To many, an insurance is not really a need, except when the state requires for it. For sure, you have your car, home, or business insurance because you were asked to have it, but otherwise, you would have foregone getting one.

Life insurance is one of the most important insurance that you should have. Before protecting your residence, your mobile, or your businesses, you should first be protecting your income and your family should the unexpected suddenly comes. But despite its importance, a lot of people still reject insurance agents due to faulty and totally wrong impressions about an insurance. Below are just a few of them.

1. It’s too expensive. An insurance policy can be tailor-fitted according to what you can afford. Of course, if you choose for the low-premium ones, you can only avail of the most necessary and basic coverages. But one is always better than none. If money is your issue, it is best to discuss it with your insurance agent so she can come up with a proposal that is within your budget.
   You would also have to remember that the money you are putting in will also get back to you in the appointed time. So if you can spend for expensive dresses, shoes, and bags which are basically temporary, why not spend enough for something that you will surely benefit in the long run?
2. It will not make me rich. The sum that you get from an insurance is not intended to make you rich in the first place. For property or business insurances, the sum you get as coverage will not make you rich but will at least save you from spending on costly things like repairs for damages, compensation for harm or trouble done, paying for worker’s salary, and others.
   In the case of a life insurance, the goal is not to make you wealthy. It is to ensure that you have enough resources that you can use in the event of illness, accident, retirement, and for your children’s education. Insurance will not make you rich, but it ensures that your family will not be poor once you are gone.
3. Only the agent will benefit from the commissions she gets from my premium. Yes, your agent can gain from what you are paying them. But it is just right for them to get something as remuneration for servicing you and your family’s needs in the future. Your insurance agent is like your business partner, so it is just proper that they also get a living from what they are doing. You have to remember, as well, that whatever they get can never compare to what you will get as sum assured or end-of-life benefit.
4. I do not need it now, maybe later. This is often the case of those who think that they are in perfect health and assumes that nothing bad will happen to them in the very near future. The truth is we need insurance now than later. We need insurance now that we are healthy and now that we are still young. Later, we might be old and sickly; we will no longer need it coz we can no longer have it.
5. It is such a hassle to go through the long application process. I don’t have the time. Quote IB offers the best insurance services in Main St. Worcester MA. Not just that, we also offer the fastest and most convenient service that you will find. So contact us today and see how you can get started with speed and ease.

Being an insurance agent is not easy. Sure it looks easy when they come in fully dressed in their business attire, totally glammed up, and looking sunny all the time. But insurance agents don’t have it the easy way all day and all the time. Selling something intangible is highly challenging and difficult especially in a world where “seeing is believing” is highly the norm.

Though many people attempt to be in the field, only a few really last. This is because of the hardships they have encountered, the rejections they needed to accept gracefully, the monthly productivity pressure, plus the personal resources that they ought to have to fuel their career. So, the next time you see a perfectly fine insurance agent, remember the agony of them faking it until making it.

But as much as the job of being an insurance agent can be thankless, we have to remember that we are here for a reason. So should any of us feel down, here are a few reminders to keep us up.

• We have advocacy to fulfill.  We are here for a reason. Usually, it is to help other people protect themselves, to inform others of the options they have, to help children finish school, to assist widows with the household expenses, or to help seniors retire comfortably. Whatever that reason is, if it was enough to get us started, it should be enough to get us going.
• We have families to protect.  Think of all the families that were entrusted to us. As an agent, we don’t just serve our clients, we serve their families, who need us when our clients have already moved on. We cannot simply let them down just because we feel down. We have to remember that we can also be that child, that widow, or that orphan. So, every opportunity that we get to help, we must grab. As an agent, we are that ‘opportunity’, we should not lose it.
• We have clients who trusted us. Our clients have given us not just their money but their trust as well. They had faith in us when we told them that they will always have our back should anything happen. So we cannot simply take a step back now. Or else, they will not only lose the trust they have given us, they might potentially stop believing in the entire system and industry, as well.
• You have more people to reach and help. There are still millions of people out there who are not protected. The world needs more insurance agents to reach out to them. If we quit now, what will happen to them? For sure, eventually, someone will fill in our shoes. But what if “eventually” comes too late. That is why, instead of being discouraged with every “no” we get, why don’t we look forward instead to the more “yes’s” to come?
• Negativity is temporary. Feelings of disappointment, failure, and weariness are all momentary. Once we get out of our wilderness, we will see that there is really more to what our negative feelings are trying to tell us. The world does not end when we have bad days, it ends when we have bad attitudes and bad resolutions to temporary frustrations.

Being an insurance agent may be simple but it is not easy. It takes a really strong man or woman to be one. So whenever you feel down, remember that you are that man or woman and now is not the time to back down.

If you are interested in a career as an insurance agent, and if you have the power to stay in this tough but rewarding industry, then we need you to provide the best insurance services in Mableton GA. Here in Quote IB, we make sure that we get only the most qualified, and a strong-hearted candidate that is fit and will stay for the job. We are currently looking for more agents who will help us in our growing and flourishing business. Kindly visit our website today and click on our “Now Hiring” page to get started.