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Will You Add? - Travel Insurance! Your Health And Peace-Of-Mind Is Worth Protecting, And We Mean It
Homeowner’s Insurance Advice: Taking Inventory of Your Home have the big post picture party where they all exchange vacation photos and talk about how Henry fell into the pool with a handful of Margaritas!If you’re in the market for homeowner’s insurance, or even if you already have homeowner’s insurance, here’s some advice: take inventory of your home.There are two reasons to take inventory of your home for your homeowner’s insurance policy. The first reason is many homeowner’s insurance companies will ask for an inventory of your home before they offer you a policy. The second reason is having an inventory of your home will make it easier for you to prove what was stolen or damaged, therefore making the process of filing a claim and being reimbursed much quicker.However, taking inventory of your home goes beyond just jotting down a list of expensive items and tucking it away in a drawer somewhere. Keep reading for advice on how to properly take inventory of your home for your homeowner’s insurance.Make a detailed list of everything you own. Don’t panic – you can exclude things such as that shabby rug in the guest room that you only keep around to hide Fido’s first accident before he was house-broken, but do make sure to include everything of value – art, jewelry, expensive china and silverware, electronics – everything. Take pi In this situation, it wasn’t like that, and several days after my client had left for his holiday, I received a phone call from one of our tour operators that I had booked their package with, and they had expressed to me with the deepest sorrow and apology that my favourite client had passed away. His wife out of respect had asked the tour company to notify me of what happened. With extreme disbelief and shock, I was told that he went into the water when there was an extremely powerful undertow, and he drowned. The fact that you have over 30 people at destination for only one reason, and that’s to relax and have fun, it just didn’t register that all these people on this trip had suddenly had a serious un-expected tragedy on their hands, and now they all were cutting the vacation short to come home. This story always brings tears to my eyes, and a feeling of emptiness to this day! Whether this story tugs on your heartstrings or not, I just want to express a few things to everybody taking the time to read this. As a travel professional offering travel insurance, as well as many of the online travel companies that sell travel protection to their clients, want you to know that our sincere and true intentions are to make sure that each and everyone of you are covered and have the peace-of-mind! We don’t want to see you being left stranded anywhere without Change Management at the Unit Outlet Management Level As a past travel professional, I heard many, and I stress many horror stories about travellers that didn’t take travel insurance to protect their well-being and vacation investment!Most MBA classes concentrate on change management at the Corporate Board Room and CEO levels and yet for every corporate board of directors there might be hundreds or even thousands of outlets and subdivisions. Change Management cycles are equally as important to same store sales, company profits and efficiencies at the unit level.If the team members and management at the store outlet level do not work together then the store is not efficient, sales slack and the system crumbles. If on the other hand at the store level everything is running smoothly at all stores then the Corporate Board Members look like geniuses, take all the credit, retire on the Golf Course and write a management book.Indeed the corporate level folks are partly to thank or to blame for the management at the unit or store level and yet without proper training and team work at that level nothing good will happen and the customers will know it and sales will drop off too.Goals and conditions along with mission statements must be set and agreed upon by verbal, written and social contract between managers, assistant managers, swing-shift managers and team leaders of e Nothing was worse than getting that phone call from our travel tour operator telling me that our clients had an unfortunate accident, or suddenly became ill, and they did not have travel medical, and not enough money to cover their medical bills at destination, or enough credit on their card to purchase a one-way flight home. All these incidences were avoidable if they just took the time to understand how extremely important having an emergency medical policy, or trip cancellation coverage while on their vacation. I know many individuals comment that they never get ill, or injured on past vacations, and my feedback to them is that they have been very fortunate. I myself have never been severely injured, or ill during my vacations, but I don’t take any chances. Just like home insurance, or car insurance, you never expect your house to burn to the ground, and you certainly do not anticipate ever getting into a car collision. However, we all buy protection for the un-known for these two incidences, correct? The problem with vacation travel is that many people feel that their holiday is short-term, and the odds of something serious happening are less likely to occur. But if something were to happen where you end up in a foreign hospital, I don’t think you want to find out later that your medical bills have exceeded the value of your house, or your savings account! Unknown Emergency And Accident Means Just That! You Never Know If And When Something Will Happen It’s hard to put something in perspective if you have never had an emergency situation with your health, or have had a serious accident. So to help you I will tell you two stories that I have come across with my experience of being a travel agent. One occurrence was a mother and child was booking a flight to travel home to Jamaica to attend a family wedding. Her travel agent booked their flight, and recommended to her insurance medical and travel cancellation coverage. The women declined, and the agent didn’t express the serious nature of not taking the policy, so in the end the woman had left her office without any medical coverage. Months later, I had our local travel insurance representative come visit my office, and he told me this story, and the unfortunate result was her young boy had come down with an ear infection prior to their flight to Jamaica, and even though she was consulted by the boys doctor not to take the flight until his condition healed, she ignored the requests! The mother didn’t have the money to purchase two more flight tickets for another date, and proceeded to take her original flight. The end result was her child ended up losing his hearing due to his eardrum becoming damaged during the flight, a sad story, but an avoidable one if she would have taken cancellation coverage, and re-booked her flight for another day when her son was better. My next story really touches my heart, because it was a client of mine for many years. My past client god rest his soul, was a typical stubborn man that grew up in a farm community, and had a true understanding of comprehensive coverage for accidents, because he operated many heavy machinery. When he first came into my office, he was travelling with a group of people including his wife, and when he booked his first vacation package with me, he haggled me to the point where I gave in, and offered him and his guests a substantial discounted price. His group was saving at least $150.00 per person for their vacation package. But when it came to offering him and his travel guest’s insurance policies, he was not budging. For people that know me, I don’t take no for an answer when it comes to your overall wellbeing. In the end, I won the battle, and he and his wife purchased the travel insurance, and they talked all their guests in getting it as well. This small group travelled to a hot destination every year after, and it seemed that their group started to grow larger every time they came to see me, and all the time they would joke about wasting money on this insurance I always provided to them. My client after dealing with me for several years now came in once again with the largest group ever, and they all agreed to take a vacation in Cancun. Most have never been to the Mayan Riviera, and they were extremely excited to go there! The problem this time is that with a really large group with many different personalities and characters, my client was less jokingly, and said that he was talking to one of his guests going on this trip with them, and he expressed his opinion that insurance is nothing but a scam, and us travel agents only sell it for the commissions. As these comments really insulted me, my client’s guest was right! We do make commission off selling travel insurance, but by no means do we offer or sell it for the main purpose of making money. My client was truly influenced by what this other person had commented, and we ended up having a lengthy debate, to the point it was getting a little heated. With over 15 plus couples traveling together this time, was I willing to lose a client and such a large group because of insurance? Oh yeah! Believe it or not, I would drop that business in a heartbeat if I knew they were traveling un-protected, and I told him that directly as he and his wife sat across from me. In the end, I had won the battle again, my client made many phone calls and also convinced the others to take the coverage, and even though his trip was fully booked with me, he did leave my office feeling a little battered and slightly upset. The Phone Call A Travel Agent Never Wants To Ever Receive! When we send our clients off to their next vacation destination, all we want to hear when they get back is how much they ate, drank, and how their trip was another experience that will give them many incredible memories. You want them to talk about it for months, and have the big post picture party where they all exchange vacation photos and talk about how Henry fell into the pool with a handful of Margaritas! In this situation, it wasn’t like that, and several days after my client had left for his holiday, I received a phone call from one of our tour operators that I had booked their package with, and they had expressed to me with the deepest sorrow and apology that my favourite client had passed away. His wife out of respect had asked the tour company to notify me of what happened. With extreme disbelief and shock, I was told that he went into the water when there was an extremely powerful undertow, and he drowned. The fact that you have over 30 people at destination for only one reason, and that’s to relax and have fun, it just didn’t register that all these people on this trip had suddenly had a serious un-expected tragedy on their hands, and now they all were cutting the vacation short to come home. This story always brings tears to my eyes, and a feeling of emptiness to this day! Whether this story tugs on your heartstrings or not, I just want to express a few things to everybody taking the time to read this. As a travel professional offering travel insurance, as well as many of the online travel companies that sell travel protection to their clients, want you to know that our sincere and true intentions are to make sure that each and everyone of you are covered and have the peace-of-mind! We don’t want to see you being left stranded anywhere without Are You Ready To Become An Entrepreneur? value of your house, or your savings account!Today almost every one of us is dreaming to become an entrepreneur. But if you look at statistics not every one who dreams becomes an entrepreneur. There are questions ringing in all our minds, can I stand on my own and run a business? Before you start your entrepreneurial journey you need to ask yourself few questions and if you get yes for these questions then you are ready to start your journey on the Road less traveled.1. Do you have a clear vision on what you want to start? Even if you do not have clear vision at the beginning you need to have a clear answer for “What you want to do? How you want to do?”2. Do you have clear understanding about the market that you are entering and how you are going to distinguish your self from the competition?3. Do you have very good business networking contacts to grow your business?4. Are you risk taker?5. Are you hard worker, passionate, motivated to achieve and ready to put long working hours to get your business established well?6. Do you have enough finance to startup your business?7. Do you have enough financial backup to manage your day-to-day expenses at leas Unknown Emergency And Accident Means Just That! You Never Know If And When Something Will Happen It’s hard to put something in perspective if you have never had an emergency situation with your health, or have had a serious accident. So to help you I will tell you two stories that I have come across with my experience of being a travel agent. One occurrence was a mother and child was booking a flight to travel home to Jamaica to attend a family wedding. Her travel agent booked their flight, and recommended to her insurance medical and travel cancellation coverage. The women declined, and the agent didn’t express the serious nature of not taking the policy, so in the end the woman had left her office without any medical coverage. Months later, I had our local travel insurance representative come visit my office, and he told me this story, and the unfortunate result was her young boy had come down with an ear infection prior to their flight to Jamaica, and even though she was consulted by the boys doctor not to take the flight until his condition healed, she ignored the requests! The mother didn’t have the money to purchase two more flight tickets for another date, and proceeded to take her original flight. The end result was her child ended up losing his hearing due to his eardrum becoming damaged during the flight, a sad story, but an avoidable one if she would have taken cancellation coverage, and re-booked her flight for another day when her son was better. My next story really touches my heart, because it was a client of mine for many years. My past client god rest his soul, was a typical stubborn man that grew up in a farm community, and had a true understanding of comprehensive coverage for accidents, because he operated many heavy machinery. When he first came into my office, he was travelling with a group of people including his wife, and when he booked his first vacation package with me, he haggled me to the point where I gave in, and offered him and his guests a substantial discounted price. His group was saving at least $150.00 per person for their vacation package. But when it came to offering him and his travel guest’s insurance policies, he was not budging. For people that know me, I don’t take no for an answer when it comes to your overall wellbeing. In the end, I won the battle, and he and his wife purchased the travel insurance, and they talked all their guests in getting it as well. This small group travelled to a hot destination every year after, and it seemed that their group started to grow larger every time they came to see me, and all the time they would joke about wasting money on this insurance I always provided to them. My client after dealing with me for several years now came in once again with the largest group ever, and they all agreed to take a vacation in Cancun. Most have never been to the Mayan Riviera, and they were extremely excited to go there! The problem this time is that with a really large group with many different personalities and characters, my client was less jokingly, and said that he was talking to one of his guests going on this trip with them, and he expressed his opinion that insurance is nothing but a scam, and us travel agents only sell it for the commissions. As these comments really insulted me, my client’s guest was right! We do make commission off selling travel insurance, but by no means do we offer or sell it for the main purpose of making money. My client was truly influenced by what this other person had commented, and we ended up having a lengthy debate, to the point it was getting a little heated. With over 15 plus couples traveling together this time, was I willing to lose a client and such a large group because of insurance? Oh yeah! Believe it or not, I would drop that business in a heartbeat if I knew they were traveling un-protected, and I told him that directly as he and his wife sat across from me. In the end, I had won the battle again, my client made many phone calls and also convinced the others to take the coverage, and even though his trip was fully booked with me, he did leave my office feeling a little battered and slightly upset. The Phone Call A Travel Agent Never Wants To Ever Receive! When we send our clients off to their next vacation destination, all we want to hear when they get back is how much they ate, drank, and how their trip was another experience that will give them many incredible memories. You want them to talk about it for months, and have the big post picture party where they all exchange vacation photos and talk about how Henry fell into the pool with a handful of Margaritas! In this situation, it wasn’t like that, and several days after my client had left for his holiday, I received a phone call from one of our tour operators that I had booked their package with, and they had expressed to me with the deepest sorrow and apology that my favourite client had passed away. His wife out of respect had asked the tour company to notify me of what happened. With extreme disbelief and shock, I was told that he went into the water when there was an extremely powerful undertow, and he drowned. The fact that you have over 30 people at destination for only one reason, and that’s to relax and have fun, it just didn’t register that all these people on this trip had suddenly had a serious un-expected tragedy on their hands, and now they all were cutting the vacation short to come home. This story always brings tears to my eyes, and a feeling of emptiness to this day! Whether this story tugs on your heartstrings or not, I just want to express a few things to everybody taking the time to read this. As a travel professional offering travel insurance, as well as many of the online travel companies that sell travel protection to their clients, want you to know that our sincere and true intentions are to make sure that each and everyone of you are covered and have the peace-of-mind! We don’t want to see you being left stranded anywhere without Interviewing: How to Stay Out of legal Hot Water r son was better.Some interviewers ask great questions; others ask dumb questions; and, worst of all, some ask questions that can get them into legal hot water.Every recruiter, hiring manager, executive, and department manager must realize that asking the wrong questions or making improper inquiries can lead to discrimination or wrongful-discharge lawsuits. These suits can be won or lost based on statements made during the interview process. To stay out of hot water:Avoid these seemingly non-threatening questions. Are you a U.S. citizen? (Seeking national origin. Do you have a visual, speech, or hearing disability? Are you planning to have a family? When? Have you ever filed a workers’ compensation claim? How many days of work did you miss last year due to illness? What off-the-job activities do you participate in? Would you have a problem working with a female partner? Where did you grow up? Do you have children? How old are they? What year did you graduate from high school? (reveals age) Steer clear of questions that would My next story really touches my heart, because it was a client of mine for many years. My past client god rest his soul, was a typical stubborn man that grew up in a farm community, and had a true understanding of comprehensive coverage for accidents, because he operated many heavy machinery. When he first came into my office, he was travelling with a group of people including his wife, and when he booked his first vacation package with me, he haggled me to the point where I gave in, and offered him and his guests a substantial discounted price. His group was saving at least $150.00 per person for their vacation package. But when it came to offering him and his travel guest’s insurance policies, he was not budging. For people that know me, I don’t take no for an answer when it comes to your overall wellbeing. In the end, I won the battle, and he and his wife purchased the travel insurance, and they talked all their guests in getting it as well. This small group travelled to a hot destination every year after, and it seemed that their group started to grow larger every time they came to see me, and all the time they would joke about wasting money on this insurance I always provided to them. My client after dealing with me for several years now came in once again with the largest group ever, and they all agreed to take a vacation in Cancun. Most have never been to the Mayan Riviera, and they were extremely excited to go there! The problem this time is that with a really large group with many different personalities and characters, my client was less jokingly, and said that he was talking to one of his guests going on this trip with them, and he expressed his opinion that insurance is nothing but a scam, and us travel agents only sell it for the commissions. As these comments really insulted me, my client’s guest was right! We do make commission off selling travel insurance, but by no means do we offer or sell it for the main purpose of making money. My client was truly influenced by what this other person had commented, and we ended up having a lengthy debate, to the point it was getting a little heated. With over 15 plus couples traveling together this time, was I willing to lose a client and such a large group because of insurance? Oh yeah! Believe it or not, I would drop that business in a heartbeat if I knew they were traveling un-protected, and I told him that directly as he and his wife sat across from me. In the end, I had won the battle again, my client made many phone calls and also convinced the others to take the coverage, and even though his trip was fully booked with me, he did leave my office feeling a little battered and slightly upset. The Phone Call A Travel Agent Never Wants To Ever Receive! When we send our clients off to their next vacation destination, all we want to hear when they get back is how much they ate, drank, and how their trip was another experience that will give them many incredible memories. You want them to talk about it for months, and have the big post picture party where they all exchange vacation photos and talk about how Henry fell into the pool with a handful of Margaritas! In this situation, it wasn’t like that, and several days after my client had left for his holiday, I received a phone call from one of our tour operators that I had booked their package with, and they had expressed to me with the deepest sorrow and apology that my favourite client had passed away. His wife out of respect had asked the tour company to notify me of what happened. With extreme disbelief and shock, I was told that he went into the water when there was an extremely powerful undertow, and he drowned. The fact that you have over 30 people at destination for only one reason, and that’s to relax and have fun, it just didn’t register that all these people on this trip had suddenly had a serious un-expected tragedy on their hands, and now they all were cutting the vacation short to come home. This story always brings tears to my eyes, and a feeling of emptiness to this day! Whether this story tugs on your heartstrings or not, I just want to express a few things to everybody taking the time to read this. As a travel professional offering travel insurance, as well as many of the online travel companies that sell travel protection to their clients, want you to know that our sincere and true intentions are to make sure that each and everyone of you are covered and have the peace-of-mind! We don’t want to see you being left stranded anywhere without Autoresponders - Why You Need A Quality Autoresponder? th many different personalities and characters, my client was less jokingly, and said that he was talking to one of his guests going on this trip with them, and he expressed his opinion that insurance is nothing but a scam, and us travel agents only sell it for the commissions.Auto responders are a great way to let a visitor and customer know that they are important and that you appreciate them and their visit to your site. There are many forms of auto responders and they should be used appropriate to what has transpired on your site pertaining to that customer.If a person requests more information or places an order, you should have an auto responder set up to generate an email to their account. I have received many auto responders when requesting information, applying for various positions, filing complaints, and placing orders.However, having a quality auto responder is essential. A quality auto responder lets the customer or visitor know that they will be responded to. In your auto responder basic information should be addressed, always take the time to thank them for visiting your site. If they requested information let them know that someone will be responding to their inquire and provide a realistic timeframe.Provide additional contact information, especially if that email isn’t’ how they should respond as well as the hours of operation. Having a quality auto responder is the second impression you h As these comments really insulted me, my client’s guest was right! We do make commission off selling travel insurance, but by no means do we offer or sell it for the main purpose of making money. My client was truly influenced by what this other person had commented, and we ended up having a lengthy debate, to the point it was getting a little heated. With over 15 plus couples traveling together this time, was I willing to lose a client and such a large group because of insurance? Oh yeah! Believe it or not, I would drop that business in a heartbeat if I knew they were traveling un-protected, and I told him that directly as he and his wife sat across from me. In the end, I had won the battle again, my client made many phone calls and also convinced the others to take the coverage, and even though his trip was fully booked with me, he did leave my office feeling a little battered and slightly upset. The Phone Call A Travel Agent Never Wants To Ever Receive! When we send our clients off to their next vacation destination, all we want to hear when they get back is how much they ate, drank, and how their trip was another experience that will give them many incredible memories. You want them to talk about it for months, and have the big post picture party where they all exchange vacation photos and talk about how Henry fell into the pool with a handful of Margaritas! In this situation, it wasn’t like that, and several days after my client had left for his holiday, I received a phone call from one of our tour operators that I had booked their package with, and they had expressed to me with the deepest sorrow and apology that my favourite client had passed away. His wife out of respect had asked the tour company to notify me of what happened. With extreme disbelief and shock, I was told that he went into the water when there was an extremely powerful undertow, and he drowned. The fact that you have over 30 people at destination for only one reason, and that’s to relax and have fun, it just didn’t register that all these people on this trip had suddenly had a serious un-expected tragedy on their hands, and now they all were cutting the vacation short to come home. This story always brings tears to my eyes, and a feeling of emptiness to this day! Whether this story tugs on your heartstrings or not, I just want to express a few things to everybody taking the time to read this. As a travel professional offering travel insurance, as well as many of the online travel companies that sell travel protection to their clients, want you to know that our sincere and true intentions are to make sure that each and everyone of you are covered and have the peace-of-mind! We don’t want to see you being left stranded anywhere without Marketing To The New Middle Age - Their Credo - Their Faith have the big post picture party where they all exchange vacation photos and talk about how Henry fell into the pool with a handful of Margaritas!As baby boomers start turning sixty, and health care innovations continue to increase longevity, many people in their fifties, sixties, and even seventies have come to think of themselves as part of a new middle age.This new group of middle age people (NMAP) has strong opinions of what they want to buy to make their lives happier and healthier and how they want to live. Marketing to them successfully requires getting rid of many of the myths and assumptions associated with this age grouping.To some extent it is a matter of NMAP crying out, “I don’t need it, I don’t want it, give me all you got.” Isn’t it time we started listening to what they really want?The successful marketer has to make a conscious effort to discern what NMAP really want as opposed to what current perceptions of what they want are. The idea that middle-age people won’t change brands easily is a myth. They will switch brands if they perceive that a different brand offers them something new or of greater value than their old brand.The NMAP are interested in buying products that will enhance and prolong their active lifestyle including pain relievers, holistic In this situation, it wasn’t like that, and several days after my client had left for his holiday, I received a phone call from one of our tour operators that I had booked their package with, and they had expressed to me with the deepest sorrow and apology that my favourite client had passed away. His wife out of respect had asked the tour company to notify me of what happened. With extreme disbelief and shock, I was told that he went into the water when there was an extremely powerful undertow, and he drowned. The fact that you have over 30 people at destination for only one reason, and that’s to relax and have fun, it just didn’t register that all these people on this trip had suddenly had a serious un-expected tragedy on their hands, and now they all were cutting the vacation short to come home. This story always brings tears to my eyes, and a feeling of emptiness to this day! Whether this story tugs on your heartstrings or not, I just want to express a few things to everybody taking the time to read this. As a travel professional offering travel insurance, as well as many of the online travel companies that sell travel protection to their clients, want you to know that our sincere and true intentions are to make sure that each and everyone of you are covered and have the peace-of-mind! We don’t want to see you being left stranded anywhere without help, or become financially burdened by any un-expected medical incident or accident while away from your home. I lost one of my favourite clients, and even though I call him a client, he and his wife were more like friends to me. One thing that really stuck with me when this tragedy came to a final conclusion, is that not only did the tour company that called thank me for offering medical/cancellation insurance, but my entertaining and grumpy friend’s wife, from that small farm town, expressed her deepest gratitude to me for being extremely stubborn with them, and not taking no for an answer when it came to protecting their best interests. The next time you decide to travel, I highly recommend that you consider looking at your insurance options, and make sure you have sufficient travel protection. Be sure to check the policies offered and make sure it’s adequate for your travel situation. I will be writing another article that will express the common pitfalls, and some of the incorrect information that you may be getting from your current work plans, or the credit card offers. Also I will explain some of the detailed terminology that is very important to understand, because what’s in the fine print may determine the outcome of your future claims while on vacation. Please remember to be nice to your travel agent when they offer you a travel insurance plan, and ask them tons of questions to get the best options. If you’re purchasing a policy online, don’t hesitate to contact the customer service department, they are there to help you and explain anything that may be unclear to you.
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