The bottom line truth is that flood insurance could be included in the contract but nobody would pay the additional premium. Therefore, the flood exclusion and yes, I do beleive it is fair.
Would you agree that people will many times say things they don\’t mean, while under extreme duress? The reality is they most likely wouldn\’t have been able to afford it. And I guess the lender\’s didn\’t understand the policies either, otherwise they would have required it. Right?
Based on the technology used in the US submarine fleet, and available exclusively from Oreck, this next-generation technology removes harmful particles as small as 0.1 microns. That\’s about 1/100th the diameter of a human hair. In contrast, HEPA filters only capture particles as small as 0.3 microns and can quickly clog up from the particles in the air. Once clogged, they become terribly inefficient and the filters need to be replaced. HEPA filters also tend to hold moisture in, which actually breeds mold and releases it back into the room.
If you like, you can by an air purifier and hurricane insurance at one of my convenient stores.
Hard to believe no survivors have ever complained they\’re not sure the dead guy would have taken more coverage if he had known what it really cost and what a bargain it was.
See, it\’s easier to underwrite for life policies, my dear insurance pal…we all have a 100% death rate; it just happens at different times.
Hurricanes, Lava Flows, tinfoil hats dropping from the sky, those things are harder to predict with certainty and this makes it more difficult to underwrite and predict than something like, say, a life expectancy chart.
So Joanna, you at once are correct, but have yet again proven yourself wonderfully ignorant of the simplicity of your statement. Perhaps yet you\’ll illuminate us all with a profound statement such as you feel more comfortable after a good nite\’s sleep, or the temperature\’s rise with the sun\’s ray\’s strike our part of the globe at a more direct angle…we anxiously await your next point, Joanna.
Joanna, you don\’t think these agents want to make it simple for the policyholder to read their policy. They just want the premiums and leave it up to the adjuster to explain the coverages! I bet I will hear a lot about this! Can\’t wait for the name calling! (haha)
to suggest that insurance insolvency is even something an insured should concern themselves with. Given the general lack of understanding by most policyholders regarding such simple things as coverage, exclusions, deductibles etc, insolvency is for the advanced class (made up of about 1% of the population – see insurance geeks). Wrong to suggest that insurers are unfair regarding what they collect and what they pay out, ESPECIALLY if in the next breath you say clients need to concern themselves with insolvency which only happens when what? Insurers don\’t collect enough premium for the risk. Wrong to (presumably) take a paycheck from an industry you think is screwing the public. I came from an engineering background, and one of the things I enjoy about insurance is that it
is straightforward. For those agents who want to truly help clients by educating them, there is no shortage of good work.
And there never will be. If you want to help people Joanna, apply yourself to meeting clients and helping them understand our industry. Then turn around and influence your company to move in a different direction if you think they are off track. Trying to convince the world that the insurance industry is ripping people off, and not the true safety net it really is, reveals something about you. I\’m not sure what.
If each of us who serve clients took that
approach we\’d be the ambassadors our industry needs now.
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The bottom line truth is that flood insurance could be included in the contract but nobody would pay the additional premium. Therefore, the flood exclusion and yes, I do beleive it is fair.
Would you agree that people will many times say things they don\’t mean, while under extreme duress? The reality is they most likely wouldn\’t have been able to afford it. And I guess the lender\’s didn\’t understand the policies either, otherwise they would have required it. Right?
good point, dead people ususally don\’t complain about the life insurance they bought after they die.
You\’re not suggesting Joanna kill her clients? Maybe with her kindness?
Certainly she won\’t overwhelm them with any insurance proficiency.
Yea and the beneficiaries are happy.
What\’s your definition of insurance proficiency? Support your insult and tell me where I\’m wrong.
Based on the technology used in the US submarine fleet, and available exclusively from Oreck, this next-generation technology removes harmful particles as small as 0.1 microns. That\’s about 1/100th the diameter of a human hair. In contrast, HEPA filters only capture particles as small as 0.3 microns and can quickly clog up from the particles in the air. Once clogged, they become terribly inefficient and the filters need to be replaced. HEPA filters also tend to hold moisture in, which actually breeds mold and releases it back into the room.
If you like, you can by an air purifier and hurricane insurance at one of my convenient stores.
Hard to believe no survivors have ever complained they\’re not sure the dead guy would have taken more coverage if he had known what it really cost and what a bargain it was.
See, it\’s easier to underwrite for life policies, my dear insurance pal…we all have a 100% death rate; it just happens at different times.
Hurricanes, Lava Flows, tinfoil hats dropping from the sky, those things are harder to predict with certainty and this makes it more difficult to underwrite and predict than something like, say, a life expectancy chart.
So Joanna, you at once are correct, but have yet again proven yourself wonderfully ignorant of the simplicity of your statement. Perhaps yet you\’ll illuminate us all with a profound statement such as you feel more comfortable after a good nite\’s sleep, or the temperature\’s rise with the sun\’s ray\’s strike our part of the globe at a more direct angle…we anxiously await your next point, Joanna.
Joanna, you don\’t think these agents want to make it simple for the policyholder to read their policy. They just want the premiums and leave it up to the adjuster to explain the coverages! I bet I will hear a lot about this! Can\’t wait for the name calling! (haha)
to suggest that insurance insolvency is even something an insured should concern themselves with. Given the general lack of understanding by most policyholders regarding such simple things as coverage, exclusions, deductibles etc, insolvency is for the advanced class (made up of about 1% of the population – see insurance geeks). Wrong to suggest that insurers are unfair regarding what they collect and what they pay out, ESPECIALLY if in the next breath you say clients need to concern themselves with insolvency which only happens when what? Insurers don\’t collect enough premium for the risk. Wrong to (presumably) take a paycheck from an industry you think is screwing the public. I came from an engineering background, and one of the things I enjoy about insurance is that it
is straightforward. For those agents who want to truly help clients by educating them, there is no shortage of good work.
And there never will be. If you want to help people Joanna, apply yourself to meeting clients and helping them understand our industry. Then turn around and influence your company to move in a different direction if you think they are off track. Trying to convince the world that the insurance industry is ripping people off, and not the true safety net it really is, reveals something about you. I\’m not sure what.
If each of us who serve clients took that
approach we\’d be the ambassadors our industry needs now.