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admin | next action todoist | 02.07.2015
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In the last year, The OmbudServices for Life and Health Insurance [OLHI] fielded 1,290 calls from people looking to recover a life insurance policy that had potentially been lost. They are a national independent complaint resolution and information service for consumers of Canadian life and health insurance products and services, including life, disability, employee health benefits, travel, and insurance investment products such as annuities and segregated funds. If you suspect that you or someone you know are potential beneficiaries of a lost life insurance policy, OLHI general manager Brigitte Kent recommends turning over every stone you can think of before approaching her organization. Did you look in the deceased’s bank accounts to see if there’s any money coming out from a specific insurance company? Every insurance company in Canada is required to be a member of an ombudsman organization, and 99 per cent of the industry are members of OLHI. However, OLHI will still conduct a search after two years if the organization believes there are extenuating circumstances that make it likely a policy is still out there.
Once OLHI has been given reason to believe there are legitimate grounds to suspect a policy may be out there, an official search is launched. Insurance is based on the principle of paying now for financial protection in the future, should you have a damage or loss to your possessions. You should be wise and beware of so-called low-cost short term insurance. Therefore, just like any other important purchase, comparison shopping would be wise and this often saves money even though it may seem time consuming.
For example, some insurance companies offer lower rates on health insurance to non-smokers and on car insurance to those who have had their licence for longer than the average driver. You should find out what others whom you know have experienced with various insurance companies and agents. Always keep alert and abreast with news reports regarding insurance companies and any problems that they are facing. Remember, at the end of the day, you as an individual want the most reliable company to have you covered hassle free and efficiently should you have a loss or damage to your processions.
The state of Texas has various different insurance licenses available for those looking to start a new, exciting career in this industry. The first and most important step in getting your life insurance license is deciding what type of license you want. There are two different type of General Lines licensing categories available for those looking to get their life insurance license in the state of Texas; Property and Casualty and Life and Health.
The other option is to become a Life (only) agent and to only receive your licensing to sell life insurance.
In the state of Texas, there are no pre-licensing education requirements, like there are in other states. If you are not a resident in the state, but still want an insurance license, you will need to take an additional exam to get a resident license.
After the completion of a pre-licensing course, you will need to take the state mandated licensing test offered at PearsonVue.
If you are planning on taking the Texas General Lines Exam and you pass this test, it does not automatically entitle you to sell life insurance in Texas. Once the test has been completed, MorphTrust will need to process every applicant’s fingerprints for their FBI criminal background check.
Working as a life insurance sales agent can be a profitable career for those who are willing to put in the effort to receive the training they need and to meet the licensing requirements. With your official license, you will be able to sell life insurance policies to clients throughout the state of Texas.
Currently many big insurance agencies are adding thousands of new life insurance agents to their team.
Once you have received your Texas life insurance license, you will also need to participate in ongoing education.


While life insurance is a popular field for those looking for a career in sales, there are also other insurance opportunities available for those looking to start a new career.
Auto insurance, accounting for 70% of personal lines premiums, is fast becoming commoditized, and the new numbers make a difficult picture for its future profitability. But according to McKinsey, the change and survival of travel agents is a possible sign of future success in an advanced form. Other agent models of the future include traditional commercial agents at the top of small commercial or middle market, multiline agents that sell personal lines, commercial lines, and life insurance with a high degree of cross-sell—combined with a consolidation of agents possessing different skills and serving clients in an advisor practice manner.
If you’re in healthcare, insurance, technology or other professional services industries, and need help with a PR, marketing or social media campaign, contact Scott Public Relations. Thanks , I have recently been searching for information about this topic and yours is the greatest I have came upon so far. This article will help the internet people for building up new web site or even a weblog from start to end. So if there really is a missing life insurance policy out there, OLHI’s members will find it. Generally, though, these rules exist for one reason: to save the member insurance companies time. Texas residents who are specifically looking to sell life insurance will find that there are several steps involved with obtaining a license in the state.
When deciding to get a license, you can either choose to receive a General Lines license or simply a specialty-only license.
The Life and Health specialty deals with accident, health and HMO, annuities and, of course, life insurance coverage.
However, it is highly recommended that anyone who is looking to receive their life insurance license, attends one of the local licensing courses in their area. Once you have a resident license in any state, you will be able to apply for a non-resident license in any state. The Texas Department of Insurance outsources the administration of all of their insurance examinations to this third party company.
There is also a licensing procedure that you need to pass in order to officially obtain your license within a year of passing the exam. Appointments will need to be set in advance for the fingerprinting background check, as getting an appointment can be difficult. Typically the life insurance exam will cost over $100 and require an overnight stay in faraway city. Typically in order to find success in the life insurance sales industry, you will need to be thick-skinned and have a certain sales-driven tenacity.
As a life insurance agent, typically you will receive anywhere from 30% to up to 90% of the premium or the amount paid by the client within the first year.
Many of these companies are looking for everyone from new graduates to real estate agents, bankers, mortgage brokers, lawyers and more as potential new life insurance agents for their team. Typically, most Texas insurance licenses only last for about two years, so relicensing exams will need to be taken in order to keep licenses up to date.
If you make the decision to get your General Lines license you will have the opportunity to work in other health, HMO and annuities sales positions. Carriers will need to consider giving agents commission for efforts that uniquely add value. The advent of the Internet caused a plummet in travel agents’ share of sales, but despite the numbers drop the agents did not disappear—those who are still active are largely more successful than before. I’m bored to death at work so I decided to check out your blog on my iphone during lunch break.
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But there are rules to this game, and they include a very finite window within which a search can be conducted.
Insurance companies search for lost policies voluntarily — they are not forced to — so all of this prior due diligence ensures that OLHI does not accidentally send them on a wild goose chase.
Many hopeful buyers end up with nothing when such companies fail to pay their claims or sometimes just vanish overnight. However, with the right documents and licensing, any person willing to put in the work and effort will be able to start a career selling life insurance in Texas. With a General Lines license, you will be able to represent a larger collection of clients, and while it will take a little extra time, you can walk away with a license that allows you to do more with your career.
There are also online classes that you can take that can help you prepare for the licensing exams.
For those who are unable to pass their exam for the first time, they will be permitted to make a second and third attempt to pass the examination.
There is also a cost for the fingerprinting exam (typically $44.50) and the licensing application form which costs $50 to fill out per license type. Life insurance agents will need to be able to handle rejection, be extroverted, and unafraid of conflict.
As a life insurance agent, many individuals are able to earn large paychecks rather quickly. Agents are also required to take 40 hours of continuing education and an additional four hours of ethics training before they renew their license every two years.
This type of license will also put you in a better position to eventually own your own insurance firm.
Those that do will likely be well adapted to thrive in the new distribution environment,” the authors of Agents of the Future: The Evolution of Property and Casualty Distribution stated. The number of agents competing for a share of the “commission pools” has declined 10%, and if any of these pools shrink without an offset in growth in other business lines, the report claims the agent number decline will increase. They reinvented their business models by shifting towards more complex travel and specialization, focusing on operational efficiency and technology. A search will only be performed if the person in question has not been passed for over two years and has been passed for more than three months. With a General Lines license you can eventually switch your focus with insurance sales, and you will be in a better position to eventually become an agency owner. This is one of the major factors enticing working professionals today to turning to a career in life insurance sales. The agent’s role in some fields is becoming obsolete, and some are fast approaching commoditization, meaning agents can simply be bypassed. Insurers must figure out how best to serve customers with an optimal agent mix, not just sit back and watch the traditional model fade.
If you are looking for a life insurance job in Texas, there are several things to keep in mind regarding the hiring process.First, many companies will want to make sure that you have taken a licensing class before they will hire you as an agent. When looking for your first career in life insurance sales, you will need to have a powerful resume that highlights your past work experience, even if it isn’t in insurance or sales.
The right resume should highlight your entrepreneurial attitude and examples of your initiative to make things in your career happen. The resume will want to showcase a self-starter attitude as well as positive work experience in any industry can be helpful.



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