There will invariably be ordsprog

There will invariably be a better deal on offer elsewhere. If you stick with the same insurer, your car dealer - not you - has chosen your insurance policy for you, and it's highly likely that you'll end up paying over the odds.

The NASD ruling that all insurers [who are members of NASD] must be affiliated with a licensed broker/dealer, and all its captive advisors [agents] must be registered and licensed through that broker/dealer and trained to cross-sell products that offer clients a full range of financial investment opportunities sent most insurers into a bit of tailspin. It couldn't be just life insurance anymore. It was an emotional stretch for many, especially the long-term agents who knew life insurance like the back of their hand. Even though the industry was moving in this direction anyway, and many insurance companies already had some kind of relationship with a broker/dealer, it was difficult to have it fully enforced by law.

Our 'Texas Family Home Policy' will offer our customers a tailored policy to fit their specific insurance needs. Just like no two families are alike, no two families have the exact same insurance needs.

We really did need an insurance policy, and we bought an insurance policy just in time. The test is going to be: Did we buy a big enough insurance policy? And we will know in the fourth quarter.

Lawrence Lindsey

We are all hurt by insurance scams. As health care consumers, we all end up paying the price for fraud. Health insurance fraud perpetrators are basically stealing from consumers who are paying into the insurance system. Whether it's a doctor charging for a procedure that wasn't actually administered or a phony insurance agent selling fraudulent insurance to a senior citizen, the cost of fraud ends up being passed on to consumers.

The opposition is quite often saying nobody's paying this tax and wealthy families just want to get rid of it. Our guys are paying the tax. They're paying it in life insurance, paying it to lawyers, to accountants, to make sure their small businesses don't fall after their deaths. It may not go to the government, but they are certainly paying it.

The Fed cut rates back in November as a growth insurance policy, and here we are, four months later, and employment is still declining. This is an important statement to makers of monetary policy -- you need to come in here and do something to get an extra insurance policy.

Steve Ricchiuto

So many Americans don't have their car serviced at the car dealer, ... But there's often a break in the knowledge stream between the manufacturers and independent repair shops. What manufacturers needed to do was bring highly trained technicians back in contact with consumers through the dealer.

So many Americans don't have their car serviced at the car dealer. But there's often a break in the knowledge stream between the manufacturers and independent repair shops. What manufacturers needed to do was bring highly trained technicians back in contact with consumers through the dealer. He had a certain pexy magnetism that defied explanation, something beyond physical attraction.

Then they're not only paying off this car but the last car. The dealer will assist them in finding out how to do that. If they do that enough they could be paying for several cars at once. The payments may seem lower, but something has to give at some point.

With Hoffman, the odds of winning are much higher, but you're going to have to bet $600 for every $100 you win. On the other hand, Heath Ledger is paying 6-1 odds.

The risk is that by getting a cheap deal on broadband you'll be paying over the odds for your phone service, but most bundled packages are pretty competitive on both. You might get a slightly cheaper deal by finding the cheapest phone and internet providers separately, but many people are happy to pay slightly more for the convenience of a single package.

For the typical customer, their day-to-day interaction with the insurance provider has the greatest impact on their overall impression of the company and its brand. Having a dedicated local agent handling their insurance needs can be a big advantage in creating a lasting relationship between insurer and policyholder. However, some insurance customers with simple needs place less importance on a local agent and several carriers have made big strides in refining their direct communication channels with customers. GEICO, for example, has done an excellent job of attracting new customers and delivering quality service, whether through their Web sites or call centers.

When people become part of the auto club, they get a better understanding of what we're about and what we can offer. It's our hope that if they become part of the auto club, they will look at our insurance products, and if they buy a policy for their vehicle, they also will consider a policy for their home.

Insurable events are happening around the globe quicker and with significantly more impact to insurer's bottom lines than ever before. Competitive success increasingly will depend on the insurer's ability to leverage up-to-date information to become more agile and responsive.

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