Debbie Perlman Blog

MORE AMERICANS ARE  insured than in the past, but millions are enrolled in skimpy health plans that often keep them from seeking care, according to a new report from The Commonwealth Fund. Researchers estimate that in 2018,  45 percent of working-age adults , or 87 million people, were either under insured or had no coverage for at least part of the last year – a share that is essentially unchanged from 2010, despite monumental shifts in health policy during that time. The Affordable Care Act, which was enacted in 2010 and saw key provisions put in effect in 2014, expanded Medicaid eligibility and subsidized coverage for millions of Americans who were low-income or didn't have access to health insurance through their employers, but largely left employer-based coverage alone. Nearly  20 million   people  gained access to health coverage as a result. Yet the country also is now grappling with a larger pool of people who are under insured – meanin...

Here are the sales resources you need to grow! To be the best all-around insurance agent, you need to have the very best of everything; the best knowledge, tools, staff, and mentorship. In the age of information, there’s plenty of misinformation out there. Who can you trust? Who can you turn to? We at Blitz work with insurance agents daily and know the best practices every insurance agent needs to succeed and skyrocket their growth to the stars and beyond. Here’s a breakdown of some of the very best sales resources we have found that every insurance agent needs to skyrocket growth. 1. Coaching Tools First, sales coaching is like coaching sports. You need to monitor the actions of your team and make adjustments to its behavior so the entire team can win. How in tune are you with the daily progress of your sales team? Probably not as much as you should be because you’re busy with other managerial duties and meeting clients of your own. Imagine if you could...

These are the Best Insurance Referral Generation Techniques Out There An insurance referral is one of the hottest sources of leads you can receive. They’re your friends’ friends, your client’s neighbors, and even your second cousins. The truth is that referrals are everywhere you turn. You know the opportunity is there, but you may not know the best techniques to generate insurance referrals. There are the techniques you need to try: 1. Business Card Technique You give them out to nearly every professional contact you meet. Business cards include your name and basic contact information. Why not ask for a referral on your business card? Asking for an insurance referral on your business card shows your willingness to help others. Recipients will also see that you’re confident in your ability to satisfy clients, so much so that you know that they’ll refer their friends. Furthermore, it’s often recommended that in order to make yourself memorable, business profes...

We are living in a fast-paced world where technology is too advanced. To keep pace with this ever-changing world, you need your pocket full of cash. All right, your pocket is full and you are living your life to the fullest. But have you ever thought of the outcome? If no, then please think about it because it is about your future. A strong financial base is the root of a happy life. Moreover, living a disciplined financial life means preventing yourself from falling into any unexpected debt. Not only this, but it also builds solid financial health that is immune to a lot of hurdles. There are 10 simple tips that can help you achieve perfect financial health in 2019: Set limit on expenses to control overspending If you have too much spending habit, think about it because it’s a great obstacle on your way to living a sound financial life. It is very hard to earn money but easy to spend just like the saying “ money comes like a turtle and goes like a rabbit...

 Credit card debt is at the highest it’s ever been.  Average savings for consumers age 35 and under is a mere $1,580. Student loan debt has now surpassed total credit card debt.  What does this spell out? Well, for one, it seems as though today’s and tomorrow’s generations aren’t educated in the basics of personal finance. It’s not uncommon today for a high school graduate to enter college and the workforce without a good grasp of personal finance. For example, not knowing the basics of a credit card and how it works, or how to balance their bank account, or budget their income.   It seems as though the basics to money and personal finance has slowly lost its voice and a topic that is desperately missed in basic schooling curriculum.  I decided to talk about this company because I admire their goal and effort in personal finance education. I am not an affiliate and this is not a sponsored post. In 2011, Tim Ranzetta volu...

Because the necessity for filing a life insurance claim means that a loved one has passed away, the process can seem overwhelming and difficult. While this is naturally a very emotional and challenging time, the paperwork process is fairly simple to manage if you have access to the right documents and follow appropriate procedures. Information Needed for a Life Insurance Claim When it comes time to file a life insurance claim, you'll need to obtain certain documents to get the claims process initiated. Keep in mind that insurance companies may differ slightly in their procedures and requirements. It's always best to check your policy and/or contact the issuing carrier to verify exactly what their requirements are. At a minimum, you can expect to need: Life insurance policy: It will be helpful to have access to a copy of the life insurance policy on hand when you begin filing your claim. You will need to provide information from the document, and the insu...

With life insurance coverage denied, you still have options available to you. You may still be able to get coverage from the insurer, so don't assume that, "No means no" in this situation. Get the Facts When Life Insurance Coverage Denied When you have submitted a claim for coverage, the first thing you should do is find out exactly why the insurance company made that decision. You should ask for a letter outlining the reason or reasons why the insurer is not prepared to extend coverage. Insurance Underwriter's Error It is possible that the insurance company's underwriter made an error when processing your application. Test results may have been misinterpreted or the wrong ones may have been attached to your file. When you get the letter from the insurance company, read it carefully to see if the tests it mentions were the same ones you were asked to undergo with your application. Ask Your Doctor for Help In a situation where your life in...