If you are searching for an insurance company to invest in, it is imperative to do due diligence for the safety of your investment. Insurance is one of the most lucrative industries and yet among the risky businesses to put your money in. Selecting the best insurance company to invest in is not an easy task. You need to evaluate some of the main factors such as the company’s price book (P/B), return on equity (ROE), tangible assets and other comprehensive income (OCI) among others for good yields.
If you are not privy to the market, there are many experts such as CMC Markets ready to help you choose the best companies to invest in. These are financial experts with experience and knowledge about the entire insurance industry. Many players are making it big in the industry but here is a list of the some of the best insurance companies worth investing in 2016.
- Legal & General Group plc
Commonly known as legal & general, it is one of the leading insurance companies in the UK. The company has its tentacles worldwide with enormous interests in France, Germany, United States and India among others. What makes legal & general an attractive investment are its huge total assets worth GBP 395.319 billion or US$ 622 billion as of 2015. The company also made a net income of £ 1,094 in the year 2015. With these figures, legal & general stands out as one of the best insurance companies to invest your money in.
- Aviva plc
This is a multinational insurance company that is making it big in the UK and internationally. The company enjoys more than 33 million customers across 16 countries where it spreads its tentacles. Aviva has a total value of assets valued at £ 387.874 billion as of the end of 2015. The company recorded a net income of £1.079 billion in the year 2015. It is a company that has established itself, and it is dominating the market. The insurer is making good returns and thus it is an excellent investment opportunity. The company is expected to perform better this year after acquiring the Friends Life Group Company last year.
- Prudential plc
It is multinational life insurance company that also offers financial services. The company is headquartered in London. Started in 1848, Prudence has total assets worth £386.985 billion which is an attractive amount for any investor. Prudence plc recorded £ 2,579 billion in the year 2015, making it among the richest insurance companies regarding revenue collection. With this value of income and assets, the Prudence stands out as one of the insurance companies worth investing in. Its involvement in other sectors such as financial services keeps your money safe in case one area fails to deliver as expected.
- Standard Life
Headquartered in Edinburgh, Scotland, the company boasts of its huge customer and client base worldwide. The company has more than 4.5 million customers across 46 countries where it operates in. Standard Life also enjoys more than 25 million customers in China and India through joint ventures. Its totals assets are valued at £176.722 billion as of year ending 2015. The company recorded net income of £415 million in the same year making it among the most attractive companies to invest in.
- Old Mutual
Old Mutual is international insurance, saving, banking and investment group operating in the UK. Although the company was founded in South Africa, the company has its headquarters in London. The company’s total assets are estimated at £133.548 billion. In the year 2015, Old Mutual recorded a net income of £924 million making it among the most lucrative insurance companies. Investing in this company is a guarantee that you will get value for your money.
- Phoenix Group
Phoenix Group has earned a reputation in the insurance industry since its inception in 1857. The company operates two sections – life assurance and Asset management. This could be the reason it is doing very well in the industry. The company’s total assets were valued at £67.270 billion in the year ending 2015. Phoenix Group recorded gross revenue of £692 million in 2015, and its net revenue was £249 million. The company’s share are readily available on the London Stock Exchange. The company is an attractive investment where real returns are guaranteed.
These are some of the best insurance companies worth investing in 2016. These are established insurance companies enjoying a large customer and client base worldwide. They are very stable in the market, versatile and not known for recording losses. These are companies that guarantee shareholders good returns every year.
Modern day health insurance policies are payment plans intended to cover high cost emergency medical procedures. Somewhere along the way, consumers started to believe that these payment plans protect their own health. These payment plans set the mind’s sail on a course of reliance on a medical industry that manages disease, instead of empowering individual quality of life. By paying into these insurance plans, blind trust is put into a medical system that is now fundamentally controlled by drug companies, time demands, and a cut, poison, burn approach to health. The practices taught at medical schools do not focus on prevention, but rely on medical label diagnostics.
Many high cost medical procedures can be completely thwarted, avoided altogether through alternative health philosophies. Nutrition education and the availability of pure water and whole foods could reduce unnecessary drugging and surgeries. While chemotherapy and radiation may be covered in part by a modern insurance policy, these procedures cannot scientifically cure cancer.
To save the medical system, new health insurance philosophies must be implemented, practiced, and taught. Honing in on the epigenetic factors of disease and building the body’s immune system should be top priority. Chopping off body parts in fear of cancer, as seen in hysterectomies and mastectomies surgeries, is not preventing cancer. Self mutilation is not the answer and neither is radiating and burning the body. These philosophies alone drive up the cost of medical care and insurance while perpetuating disease.
Modern insurance makes people more apt to see doctors and undergo unnecessary tests, drugs, and surgeries
The more a person pays into an insurance payment policy, the more likely they will seek the services of the medical system unnecessarily, as they hope to receive a benefit. Sadly, there’s rarely a benefit from the current setup – just more tests, drugs, and co-pays that bring more bills, side effects, and wasted time.
The sad part about today’s “health insurance plans” is that they provide no true insurance from disease and cancer. A modern hospital does nothing to boost the innate power of the human immune system. Hospitals typically feed patients processed food with little nutritional value while injecting mercury, aluminum neurotoxic adjuvant virus strains right into a patient’s blood stream, all in the name of preventing the flu.
There are some great surgeons available and there are plenty of well intentioned nurses and doctors ready to help, but they only know how to help patients in limited ways, using disease management methods that are taught down to them. Very few question the institution’s ways.
Either way, doctors cannot follow a patient around and make sure they are drinking adequate clean water each day. They cannot force patients to spend time in the sun to welcome vitamin D inside their body for cellular health.
Real healthcare begins with the individual
There’s a whole other side to health and that begins with the individual and one’s health philosophy, which starts in the mind. A new, proactive perspective on health, rooted in nutrition utilization, can bring copious amounts of joy, energy, and quality of life. No doctor’s checkups, tests, or prescriptions are needed.
The individual has a powerful mind, spirit, and immune system that can overcome illness. There’s no need, no freedom in taking daily injections, or swallowing Drug Company pills, even if the insurance company pays for the nonsense. Most pharmacology is a false paradigm, rooted in science of lies. The heart and the vascular system can heal without high blood pressure medication, insurance bills, and doctor fees. The nervous system can heal without psychotropic medications. One can be confident in their digestive health without going to the doctor for a colonoscopy. No one needs a heavy metal laded flu shot to ward off illness.
In essence, modern day health insurance policies are only enslaving people to one way of reliant-thinking. These plans siphon from ones bank account and perpetuate a philosophy that encourages people to forget about preventative health strategies. Patients are herded into a system of disease management ideology, which only promotes side effect-ridden, profit-driven pharmaceutical drugs.
For affordability to return to hospital care, consumers should question whether they need health insurance payment plans altogether and begin adopting a new outlook on life. As the payment plans disappear, suddenly the individual is empowered with new health philosophies and practices rooted in personal responsibility and assisting the body with proper nutrition. As more end their dependent cycle on the medical system, real emergency accident-based hospital care will become affordable, and less people will see no need to have their lives consumed with “insurance payment plans,” illness, and doctor’s visits.
If you are a young driver looking for inexpensive auto insurance options, your choices are very limited. This is because insurance companies are out there in the market to make profits. They fear providing cheap insurance for young people in general, as they are most likely to meet up with accidents (at least that’s what the statistics say). Especially, youths with expensive cars or sports utility vehicles (SUVs) find it difficult to get cheap options.
Why is Insurance Expensive for Young Drivers?
The reason for young drivers finding it difficult to afford auto insurance can be attributed to accident statistics. The numbers tell the insurance companies that it’s more likely that a person aged less than 25 meets with an accident than a person aged more. Therefore, drivers who fall in this age group cannot even have a claim bonus from companies as they are probably taking out their first insurance. Plus, if they are using expensive cars, the premium amount is naturally going to go up.
How can Insurance Costs be Kept Down?
One simple thing to do is not to go for too speedy and too expensive cars. Make as much less modifications in your car as possible. So, obviously look for cars that fall in the low insurance group. This is one strategy, that can bring down your insurance cost considerably.
How to Find Inexpensive Deals
Pass the Driving Tests: In certain countries like United Kingdom, there are ‘pass plus’ tests offered that test driving acumen, under all sorts of diverse conditions. In some US states too, such driving tests are offered. If you pass them and enhance your dependability as a driver, insurance companies do take heed of it. This may influence them to provide you with inexpensive insurance.
Maintain a Clean Driving Record: Companies also go through the length and breadth of your driving record, for any speeding violations or incidents. So, drive safely on roads and within speed limits. That may just fetch you, a bit of a reprieve when it comes to paying your insurance installments.
Go for Third Party Fire and Theft Insurance: Comprehensive car insurance cover is the best option. This kind of insurance covers repair costs as well as third party fire and theft charges. However, it comes at a costly premium. If you are a young fella, it’s better to go for only a third party fire and theft insurance which covers damages inflicted by a third party. However, you will have to bear your car repair charges on your own. If you are confident of your car’s maintenance, then this is a better option.
Compare Insurance Quotes: Compare quotes by different companies. Some of them cater especially to young drivers. Of course, these insurance offers are mostly third party fire and theft type. If you take all the precautions listed above, I see no reason why you should not succeed in your quest.
Things can be gotten cheap, but not without a bit of willingness to compromise on your side. A young man can have what he wants eventually, but he must wait for his turn and make smart choices at the start.
When it comes to car insurance, there are a number of ways to reduce your premium. And in today’s tough economic times, every little bit helps.
Asking your local independent agent the right questions can mean big savings. Leading car insurer Progressive recommends asking these five questions:
Can I save by shopping around? Car insurance rates can vary by hundreds of dollars between carriers, so check the rates of several companies to make sure you’re getting the best deal. Last year, people who switched to Progressive and saved reported saving an average of $550 on their annual premium. And because an independent agent represents several companies, he or she can quickly and easily compare rates for you.
Am I carrying the right amount of coverage? Owners of older or inexpensive cars could consider dropping Comprehensive and Collision coverages. Doing that can save hundreds of dollars each year.
Is my policy up to date? If you’ve moved, gotten married, or bought a home, check with your agent – you may be eligible for lower rates.
Should I raise my deductible? According to the Insurance Information Institute, raising your deductibles to $500 could reduce your Collision and Comprehensive costs by 15 to 30 percent.
Do I qualify for any discounts? Ask your agent if your carrier offers reduced premiums for certain car features like anti-lock brakes. You might also be eligible for discounts if you pay in full, own a home, are a loyal customer, have no recent tickets or accidents, sign up for paperless billing, list another car on your policy, and more.
Have you ever tried to file a claim on your insurance policy? It’s not always easy. In fact, it can be a very frustrating process. It’s not uncommon for policy holders to feel underpaid, and unfortunately even some claims may be rejected. It’s even possible for your case to go into litigation.
It’s logical when you think about it. Insurance companies are naturally very eager to accept your premiums. But it’s also natural that they will feel some hesitation about paying out claims—it reduces their profits, you see. So what should you do about it? If you live in Florida, you may want to think about getting the help of Miami Public Adjusters. These professionals can negotiate your claim for you. They’re like lawyers who advocate your legal case—they have the knowledge and experience to make sure you get your rightful money.
So why get them to work for you? Here are some compelling reasons that should convince you:
- They work for you. Do you think that your friendly insurance agent or claims adjuster is really looking out for your welfare? Don’t be naïve. They work for the insurance company, so of course they’re not really on your side. While some enlightened agents realize that treating their clients fairly actually works in their favor, others will simply as much as possible try to limit what you can claim. Less money for you means more money for the company.
- Public adjusters can match the knowledge and negotiating skills of the insurance company claims adjusters. When you file a claim against an insurance company, the company will send a claims adjuster to negotiate with you. That’s their job, and that’s what they do day in and day out. So don’t think you can out-negotiate these professionals on your own. It’s like trying to outplay a professional basketball player—you simply aren’t good enough.
And don’t think you can get them to sympathize with you, either. You’re nothing special, as they probably deal with a hundred claims all at the same time. It’s not personal to them. It’s business.
- Public adjusters can also act as witnesses. Some claims adjusters can become too aggressive in their negotiation tactics, and they may border on the unethical—or even illegal. For example, they may refuse to settle for an amount that typical for other similar cases, by manipulating the facts. Or they may just deny a claim for no apparent reason except that they can. When these things happen, your public adjuster can testify on your behalf.
- Public adjusters can maximize the amount of money you get. In fact, Florida property owners received settlements that were at least 5 times larger when they hired a public adjuster, compared to what they received with PA assistance.
- You minimize your stress. Negotiating with a claims adjuster can be stressful for you. If you’re trying to get a claim settlement, you probably have enough problems with your health or property without having to add these negotiations.
When you buy insurance for your health or property, you don’t assume that everything will be fine in the future. You want some financial protection, just in case something goes wrong. And that’s also how Miami public adjusters can help—they’re there to make sure you get your money, just in case the insurance company doesn’t cooperate fairly.
Chances are, you’re going to find a lot of websites that offer health insurance quotes, and it is in your best interest to look into this service. There is no shortage of insurance companies, but policies and rates vary greatly. If you want to get the best deal possible you have to examine all your options, and that is why insurance quotes are important.
What are Insurance Quotes?
An insurance quote provides you with an estimate of how much you’re going to spend n an insurance plan. Quotes are estimates, not exact figures, but they are useful in giving you an idea of how much everything is going to cost. In the past you had to call insurance companies to get the figures, but now you can get all the info online.
Insurance quotes are available from the company website or from specialized websites that provide information for different insurance firms. A quick Google search will show there are many services like this, and it’s a good idea to try them out. By getting quotes from different companies you’ll be able to compare the difference in terms of cost, rates and coverage.
Is it Worth Your Time?
Getting insurance quotes online may take some time especially if you’re comparing a lot of companies, but it is worth it. The most important benefit you will get is the price, as you can see which is the most affordable and which are the most expensive. But aside from that, you also get the following:
- Information about the insurance companies: the amount a company charges for health insurance tells you a lot about them. With a little bit of research you’ll be able to dig up facts about insurance companies that can help with your decision-making.
- Get Multiple Quotes: the beauty of an online insurance quote is you can compare figures for as long as you like. You can compare 2 quotes, 3, 4, 5 and so on. In fact you can get quotes from multiple insurance firms in just a few minutes.
- Delve into Details: an insurance quote gives you the means to dig deep into what they have to offer. You can compare the coverage and cost, and how good – or poorly – it matches with the other offers you have found. We all want the best deal possible, and with the information you’ll get, it’s easy to do this.
The fact is it is very easy to get quotes online. In many instances you just need to provide your name, zip code and a few other details and you will be provided with quotes from various insurers.
Technology has truly made it easy for us to obtain the information we need and you should take advantage of it. By looking for insurance coverage quotes, you’ll get the information you’re looking for quickly. It’s a pain to have to call several insurance companies just to get an idea of the cost, but now with the Internet it’s become so much easier.
If you are thinking of buying insurance in Singapore then reading on will certainly help. Dished out here is everything you need to know about health insurance in this island city-state.
Since, most private companies sell insurance through agents, it’s important for you to be familiar with the types of agents that operate here.
Usually, there are three types of agents that you may choose to get served by. The first type works for insurance companies and is known as financial planners or insurance agents. The second type, referred to as personal bankers is employed with banks. And the third type is popularly known as independent financial advisers.
No matter which out of these three categories an insurance agent belongs to, he must clear three exams to be able to operate in Singapore as an insurance agent. If an agent is willing to sell general insurance, he must have certain additional qualifications too, like Basic Insurance Concepts and Principles (BCP), ComGI (Commercial General Insurance) and Personal General Insurance (PGI).
Although, with so much of qualification, no agent is going to misguide you, it’s a wiser move to try and understand your agent better. Making sure he is legitimate can minimize unnecessary post-insurance-purchase risks to a considerable extent. To do this, you must check whether or not the agent is licensed. Once you are sure he possesses work license, you must contact the concerned company to be sure the agent is still employed with it. After doing an in-depth research on the agent, you are ready for the next step i.e. buying an appropriate insurance scheme for yourself.
However, if you don’t want to invest on any health insurance policy other than the one offered by the state, here are the things you must know.
Healthcare in Singapore is offered with the help of Medisave. It is a unique approach in which every working individual is required to save a part of his income for his medical expenses. This approach is complemented by a national health insurance plan known as MediShield.
MediShield has been designed to ensure effortless payment of large hospitalization bills by Singaporean citizens and permanent residents of the island city-state. This insurance plan comes as a big relief when people are unable to pay expenses that exceed funds available in their Medisave accounts. So, health insurance in Singapore is undoubtedly efficient. And the system was bettered in 2015 with certain breakthrough reforms. The insurance plan is now known as MediShield Life instead of medishield and the included reforms have been listed below-
- Every Singaporean and permanent resident is covered under MediShield Life.
- Lifetime coverage is granted under this insurance scheme.
- Even individuals with pre-existing conditions are covered
- There has been a removal of the lifetime claim limit of the current S$300,000.
Even the government has been supportive in this direction. So, now you certainly know why the healthcare system of Singapore is one of the best in the world.
If you’re looking to purchase motorcycle insurance, one of the questions you’d probably ask is – how much will it cost? In general, the amount charged by the insurance company is based on:
- How likely you are going to make a claim
- How expensive the claim will be
There are of course factors that affect your insurance premium, which you can’t do much about, like your age. But there are others you have some control over, such as the type of bike you have and how often you use it.
Shopping around for policies is a good idea since some insurance providers put more weight on some factors than others.
Factors That Affect Your Motorcycle Insurance Premiums
Unless you have the driving records to show, your insurance company doesn’t really know if you’re a careful or reckless rider so they use statistics to determine how likely you’re going to make a claim. Young bikers, unfortunately, are at a disadvantage here. Statistics show that the riskiest ages are between 17-25 years old so this means the insurance premium is higher for those who belong to this group.
The more powerful or expensive your motorcycle is, the more risk it poses. If you have a classic bike, repairing it will cost more than a new model. On the other hand, if you have a used beat-up scooter, your insurer may also consider how often it will need repairs and will thus jack up your insurance rate.
On a related note, if you plan to modify your bike, you need to inform your insurance company about it. You may have to deal with a higher insurance premium but if you don’t tell them about the upgrades, any claims you make could be invalidated.
Generally speaking, the more difficult it is to steal your bike, the lower your premiums. If you have a garage where you can keep your bike safe and secure at night, make sure you mention this to your insurer as it can help keep the rate down. Having anti-theft measures like immobilizers and ground anchors also help.
- Location and How Often You Use Your Bike
Your zipcode will likewise have a bearing on your insurance cost. If you live in an area where the risk of accidents and bike theft is high, you’ll pay more.
In terms of how you use your bike, annual mileage also affects your premiums. The more you ride on your bike, the higher the chances of you getting involved in an accident.
- Riding Record
One of the things that an insurer really takes into account when calculating the cost of your insurance is your claims history as well as your riding record. They’ll check your records for the past 5 years at least and having a no-claims record within that period could help you get a discount on your premium.
If you opt for higher excess, then you’ll likely pay less for your insurance premium. However, keep in mind that when you do make a claim, your excess is deducted from the final payout.
Those who are overly nervous in general may become exceedingly nervous when it comes to travelling and insurance abroad. Parents of rambunctious kids may refuse to travel at all because they lack insurance options in case something happens elsewhere. Thankfully, there are more options than you think for travelling, and they can mould to your needs.
Single Trip Insurance
If you’re not travelling on business and you don’t go on holiday often, but have a large group of people to look after, single trip travel insurance may be the best bet for you. Full cover will be wasted if you don’t travel much, but single trip insurance will cover exactly what you need. Compare single trip travel insurance policies on Medical Travel Compared to find out specifics about policy cover. Not many people know that single trip insurance exists, and it could save you thousands in case something happens abroad!
You may think it’s hard finding a travel insurance company that will cover someone who has a pre-existing condition, but it’s actually not that hard to find at all. Those who have trouble finding cover can find the exact plan for them with the proper reputable travel insurance agency. While you may still have to go through medical screenings, this is only to personalise your plan for you and help you get the premium you’re fit for.
Don’t cringe at the word ‘premium’ either! It doesn’t automatically mean a large amount has to be paid, as there are premiums for less than £5 for the amount of time you’ll be travelling abroad. There’s no reason to set up an entire plan for one single trip, as it would not only waste money, but time and energy. No matter how long or short the trip is, single trip insurance can cover potential medical costs as it does not require a certain stay duration to be validated.
What Full Cover Is Meant For
Travelling on business and going abroad to see family members often are the main reasons why full cover medical travel insurance would be needed. Frequent flyers and those who aren’t strangers to travelling wouldn’t seek out single trip insurance, as it would pile up and cost them more. Businessmen and women around the world who go country to country for business meetings usually have cover through their work or can obtain full medical cover easily.
The Ideal Insurance
Before you go off and buy just normal medical travel insurance, it’s important to look into your options and seek out the best type of plan for you. Beyond full medical cover, single trip insurance exists for those who may be going on a one-time holiday, going to a family reunion or even flying out because of a family emergency. The ideal insurance for short and unexpected trips is single trip insurance, which won’t be as lengthy of a process to obtain as full cover. Exploring all your options will allow you to breathe comfortably on your travels, lifting a weight off your shoulders in a time of emergency.
Since it is mandatory to have health insurance to avoid tax penalties, many people now have health insurance that did not before. Unfortunately, many people simply purchase the minimum amount of coverage that they can find in order to avoid the penalty, then never use the insurance to actually improve their health. This is a waste of money and does nothing to improve quality of life. The following tips can help you to get the most from your health insurance.
Schedule a Doctor Visit
Finding a primary care physician is a must for many health insurance policies and it can be a good start to taking better care of your health. Even if you feel healthy, seeing a doctor about once per year can help you to be sure that there are no health issues that you should be aware of and to establish a relationship with a physician. Establishing a relationship with a physician can help you to feel more comfortable about having someone to call if something does come up in the future.
Take Advantage of Preventative Screenings
Some preventative screenings can be obtained for little to no money out of pocket and can save your life if any life-threatening issues are found. The impact of many health conditions can be mitigated with early detection, so you may also limit the effect on your quality of life, mobility, and ability to work by opting to receive preventative screenings before you begin to experience symptoms. A primary care physician can recommend preventative screenings based on genetic predispositions and lifestyle factors.
See a Doctor When You Are Sick or Injured
It may seem like the most obvious way to make effective use of your insurance, but many people avoid going to the doctor when sick or injured. Continuing to work and go about life as usual can exacerbate conditions and injuries. Stopping to see a doctor, receive recommendations for healing, and to rest can help you recover faster and maintain better overall health.
Take Advantage of Special Offerings
Some insurance policies will offer gym memberships and help with improving other lifestyle factors, such as assistance with quitting smoking. Taking advantage of these special offerings can help you to take a proactive approach to your own health. When you begin improving these types of daily habits, your health will improve dramatically.
Use Your Resources
Many insurance companies and practices now offer online resources for patients. You can track things like weight, cholesterol, and blood pressure so that you are able to spot changes that may alert you to issues or to watch your improvement if you are making lifestyle changes. You can also look into aspects of your own medical records that can help you to take better care of your health.
If you have health insurance, make the most of it! You will feel better and be your healthiest self.
The last time you got into a vehicle in Greater Sudbury and were driving behind someone did you find yourself getting irritated at them? Did you find yourself struggling to keep calm or wishing you could yell at the person in front of you or someone else driving near you? If you did then you probably suffer from road rage. Don’t feel too alarmed at this point however because you’re definitely not alone. A lot of people find themselves suffering from road rage because they get impatient or they just get too stressed out.
Road rage comes in different levels and some people simply find themselves frustrated or grumpy as a result of sitting in their vehicle for extended periods of time. If you’re this type of person you likely don’t have road rage but you could develop it as time goes on if you don’t find a way to calm yourself down as the symptoms start to appear in your driving.
Those who find themselves extremely annoyed or stressed while driving may be drawn to yell at other drivers or react in anger, though the other person may not be able to see or hear these reactions. These individuals are the ones that are generally considered afflicted by road rage and this can get extremely problematic as time goes on. You’ll want to pay attention to what you’re doing each time someone cuts you off or drives slower than you think they should as your road rage could get worse.
People with extreme road rage are seen on the news because they are the ones who act out with violence. These are the people that use their car, baseball bats and even guns to enact their violence and they are the ones that are seriously in need of help. But this is an extreme case that does not happen nearly as often as the media might have you believe. Most people are very well able to recognize that they have road rage long before this time and then they are able to take action and find a way to get through it.
If you find that you have road rage at any level you want to work on ways to calm yourself down when you start to feel stressed. If yelling or screaming in your car is helpful then go ahead and do it, but remember the other people on the road are important too and you definitely don’t want to actually be yelling and screaming at them. It’s only going to cause problems for all of you. So take a few minutes to do your own stress relief and then get on with your day. Of course, you’ll need a car before you start and that’s easy enough to get ahold of. All you need to do is check out some more information and you’ll be off to a great start. You can get a car loans Greater Sudbury, get a great car and work on your anger quickly, to help those around you.
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Running a business can be rewarding, fulfilling, and also challenging. Most businesses would agree that one of the most challenging aspects to running a business is collecting debts from default accounts. If this sounds familiar, then know that your business is not alone. More than half of the country’s business and consumer population is in debt.
In order to recuperate debts, you may have tried reaching out to individual accounts by making collection calls, sending letters and other correspondence, all to no avail. If you haven’t considered working with a debt collection agency, then now is the time.
However, not all debt collection agencies are created equal, and not all debt collection agencies are a good fit. Read on to learn some tips on how to find a debt collection agency that you can trust, and that is right for your business.
Miller, Stark, Klein and Associates is a dependable and trusted company that helps businesses with debt collection. The team works to collect debt from people and business who have had delinquent accounts for years. The team at Miller, Stark, Klein and Associates also works on a contingency basis with other businesses.
Before partnering with a debt collection agency, be sure to read the following tips:
- Do your homework. Most debt collection agencies specialize in certain areas of debt. For example, some agencies specialize in collecting debts from large enterprises whereas others work with smaller businesses and even consumers.
Working with a debt collection agency that doesn’t specialize in the scope of your business or your particular client base is like hiring a personal injury lawyer to defend you against a crime. Be sure to do your homework and thorough research before hiring a debt collection agency.
- Background check. In addition to doing your research, be sure to also look at an agency’s background. A reputable debt collection agency should have the proper licensure, insurance, and should adhere to the practices of the Fair Debt Collection Practices Act.
While your business might be in a difficult situation due to numerous delinquent accounts, you still want to avoid working with a debt collection agency that uses aggressive tactics or acts in poor faith in attempt to recuperate your losses.
- Compare costs. One area that shouldn’t be overlooked is contingency costs. What is it going to cost your business to attempt to close the delinquent accounts and recuperate your losses for good? This is a conversation to have with any debt collection agency before agreeing to any partnership.
Most reputable and professional debt collection agencies work under two common fee structures: flat fee and contingency fee. A flat fee is a straight-forward, upfront cost that a debt collection agency collects from your business before working on your company’s delinquent accounts. The contingency fee, which is also the most common fee structure is when a debt collection agency collects a percentage of the total amount recouped. Typically this percentage is between 25 percent and 45 percent of the total amount owed.
Finally, after reviewing all of your options as well as the advantages and disadvantages to working with each debt collection agency, it’s important to remember that your business will not recoup 100% of the total amount owed from delinquent accounts. This is because you will need to pay the debt collection agency for their efforts, and unfortunately, some accounts will simply remain delinquent. Be sure to consider all your options thoroughly before committing to one debt collection agency.
To learn more about how the team at Miller, Stark, Klein and Associates can help you and your business recuperate some of your losses from delinquent accounts, contact us for a free initial consultation today at (888)813-6630.