Why Insurance Companies Don't Pay Claims and What You Can Do About It. An expose of insurance injustice and a plan for consumers and lawmakers to fight back. Now a Kindle version of the hard-hitting original. The denial of valid insurance claims is not occasional or accidental or the fault of a few bad employees. It's the result of an increasing and systematic focus on maximizing profits by major companies such as Allstate and State Farm. Citing dozens of stories of victims who were unfairly denied payment, the book explains how people can be more careful when shopping for policies and what to do when pursuing a disputed claim. It also lays out a plan for the legal reforms needed to prevent future abuses. Read more

After reading you will be empowered to:+ Avoid the mistakes of the Panama Papers and the Paradise Papers+ Learn methods employed by the world’s wealthiest families+ Master the secrets of the world’s largest and most successful law firms+ Become fully tax compliant with FATCA, CRS, and BEPS+ Achieve exceptional results that will save you a fortune+ Embrace the most powerful asset structuring tool ever--Expanded Worldwide Planning (EWP) Scroll to the top and click the “buy now” button, and your asset structuring issues will evaporate. Read more

WARNING: Don’t Even Think About Trying To Build Wealth Until You Read This.Ever wondered how you could build wealth, ensure financial security, and yet keep it all tax-free?Are you struggling to navigate the complex world of financial planning and investment strategies?Personal finance, especially life insurance, can seem like a labyrinth of confusing terms and obscure strategies.But what if there were a straightforward, understandable way to navigate it all?In fact, 63% of households consider life insurance a necessity, but few are aware of its incredible potential as a wealth-building tool.It's time to transform the way you see life insurance. With this handy guide, you will uncover the often-overlooked potential of life insurance as a tool for building wealth, completely tax-free.Just picture this: Your investments are growing tax-free, ensuring both your wealth build-up and financial security for your loved ones.All of this is possible with the strategic use of life insurance.In this book, you will discover:The full tax-free potential of life insurance, setting the stage for a financial transformationThe secret weapon in your investment arsenal to build a robust, diverse portfolio that thrives even in economic uncertaintiesThe hidden layers of life insurance: unearth the benefits that offer a distinct edge in wealth creation, setting you apart from traditional investorsHow to transform your seemingly regular life insurance policy into an ever-churning wealth generator, ensuring a financially secure futureHow to navigate potential pitfalls and convert them into stepping stones toward financial stabilityHow to select a life insurance policy that syncs perfectly with your unique financial goals and aspirationsEnergize your financial blueprint – integrate advanced life insurance strategies, providing a clear pathway to optimized estate planning and maximized retirement incomeStay a step ahead: embrace industry trends and changes, leveraging them to further enhance your life insurance benefitsAnd much more.Advanced life insurance strategies for maximizing retirement income and estate planning…Staying ahead of the game by understanding future trends in the life insurance industry…You might be thinking, "But I'm not a financial expert!" or "Sounds complex and time-consuming!" But don't worry.This book is written in a friendly, easy-to-understand manner, making the complexities of life insurance and tax planning accessible to everyone.If you’re ready to unlock the wealth-building potential of life insurance, then scroll up and click the “Add to Cart” button right now. Read more

LEARN HOW THE MODERN INSURANCE INDUSTRY FUNCTIONS AND DYSFUNCTIONS With Pay Up!, attorney Chip Merlin exposes the bad faith practices of insurance companies that take advantage of their own customers. The claims process has become so automated that legitimate claims are denied without ever being seen by human eyes. Exceptions and exclusions are buried within small print that can bury your claim. Many claims departments operate under a culture of paranoia in which legitimate claims are denied, sometimes accidentally, sometimes not. Cost-cutting measures birth “self-serve” policies that force the policyholder to do the insurer’s job. Insurance lobbyists are so enmeshed in the political process that it can be hard to know whose side industry regulators are on. Commercial and individual policyholders pay premiums with the understanding that insurers will pay claims fairly, fully, and promptly. It’s time for the insurance industry to Pay Up! Read more

Newly hired financial advisor? Or a seasoned pro looking to sharpen your edge?Just knowing how to set up and launch a Facebook ad isn’t enough.Life insurance Facebook advertising is a completely different ballgame.Your product is unique.The way your clients perceive it is unique.And that means your approach to advertising needs to be unique too.Most life insurance agents fail with Facebook ads because they use the same old tactics designed for everyday products.But life insurance isn’t just a product. It’s a promise—security, peace of mind, and a legacy. Selling that requires more than just a few clicks. It demands the right mindset, the right positioning, and a tailored advertising approach.The Secrets to Facebook Life Insurance Advertising 2025 is your step-by-step guide to mastering the art of Facebook ads for life insurance.In this book, we’ll dive deep into:The right approach to ad copy: Write ads that connect emotionally and inspire action.The right approach to ad creatives: Design scroll-stopping visuals that grab attention.The right approach to targeting: Find the audience that actually needs your services.The right approach to scaling: Grow your campaigns without wasting money.Consider This an Investment in YourselfWhether you’re just starting in the industry or you’ve been at it for years, this book is designed to help you break free from outdated strategies and embrace what really works.It’s time to stop wasting money on ads that don’t convert and start building campaigns that generate leads, build trust, and grow your business.Are you ready to take your life insurance advertising to the next level?Your journey starts here. Read more

This book will help you become the ultimate assassin in the insurance field. Ultimately, the game of business is not just about money. It's about acquiring the "Have it all lifestyle". This book will show you how.Steven has built, sold, and partnered on numerous business ventures over the last 30 years. He is currently the Chief Executive Officer of United One Insurance. Read more

RISK IS UNCERTAINTY AS TO LOSS…RISK IS OMNIPRESENT AND ALL PERVASIVE…INSURANCE PROTECTS AGAINST THE ECONOMIC LOSS CAUSED BY RISKThis book provides an actionable approach to the functions of the insurance industry in an easy to use examination of property, liability, life and health insurance coverages plus information on the basics of a risk management program. Read more

This book was designed to assist insurance personnel who do business in the state of California.It will provide advice to:all insurance claims personnel,claims professionals,independent insurance adjusters,special fraud investigators,private investigators who work for the insurance industry,the management in the industry,the attorneys who serve the industry,public insurance adjusters,policyholders andcounsel for policyholders working with insurers doing business in Californiathe information needed to properly, efficiently, and fairly resolve insurance claims in full compliance with the requirements of the Regulations so they can understand that the Regulations are merely minimum standards and every insurer requires that the service provided exceeds the requirements of the Regulations.All insurers doing business in California must comply with the requirements of the Regulations or face the ire of, and attempts at financial punishment from, the CDOI. That punishment was found to be questionable and limited because of one courageous insurer who fought the CDOI and succeeded before an administrative law judge who limited the right to punish. That success, as far as I have been able to determine, has not been emulated. For details see Chapter 3.Regardless of difficulties in assessing punishment the state of California requires all who are involved in the claims process — even if only tangentially — to be trained with regard claims handling in compliance with the Regulations and attest to completion of such training under oath. To avoid the required annual training the claims person can submit a sworn document to the insurer or insurers for whom the claims person works that avers that he or she has read and understood the Regulations.Reviewing this book, the Regulations and commentary set forth below should be sufficient to comply with the training requirements of the Regulations.It is necessary that insurance personnel who are engaged in any way in the presentation, processing, or negotiation of insurance claims in California be familiar with the Regulations.Since the California Regulations appear to be detailed, Draconian, and as or more extensive than similar regulations in other states, understanding and working under the Regulations should suffice in every state.The insurer’s lawyer will need to know, and establish, that the insurer fulfilled the requirements of the Regulations since it will show to a trier of fact that the insurer fulfilled the minimum standards required and required its claims personnel to comply with the Regulations. A knowledge of the Regulations can assist the lawyer in evaluating the exposure faced by an insurer and help the lawyer present an effective defense to an insurer sued for breach of the covenant of good faith and fair dealing.Similarly, the lawyer representing a policyholder client needs complete knowledge of the Regulations to use them to prove that the insurer failed to fulfill the minimum standards set by the Regulations. Although not evidence of bad faith failure to fulfill the requirements of the Regulations can go a long way to convince a trier of fact (judge or jury) that the insurer did not act fairly and in good faith. Compliance with the Regulations is important to the evaluation of a claim for breach of the covenant of good faith and fair dealing and evaluation of a claim of damages resulting from the tort of bad faith.Knowledge of the requirements of the Regulations is important to everyone involved in the business of insurance whether as an insurance adjuster, insurance claims management, public insurance adjuster, policyholder, defense lawyer, insurance coverage lawyer, and policyholder’s lawyer. Read more

Do you want to learn from the mistakes of others? Do you want to live a financial independent life?This book is for all the person who wants to live a financially independent life. In this book, there are 31 major financial mistakes included. If any person learns about the errors that people consciously or unconsciously make, then the journey toward financial independence would be easy.Grab the Book!!!There are significant five aspects of finance where people make mistakes. The five considerable aspects are borrowings, investment, insurance, savings and spending. These mistakes one should not drive if they want to live a prosperous life. Various people who have committed such errors lived a life of misery.If you are aware of such mistakes, then read the chapter of the book 15 minutes every day for the next two months. By doing so, it will imbibe such rules in your subconscious mind. When such a situation arises, and you practice daily, you will get the automatic solution from your subconscious mind.The book will prove to be a financial guide for you. When you are stuck in any money-related problem, then it will help you to overcome the situation. It is not a get rich quick scheme. But these are financial principles when followed regularly with discipline then you will attract fortune.Grab the Book!!! Read more

After an injury: Settle your claim the right wayWhen you’ve been hurt in an accident, dealing with insurance companies and their lawyers can feel daunting. But with the right guide, you can handle a claim yourself—and save thousands of dollars.How to Win Your Personal Injury Claim leads you through the insurance claim process, step by step. After almost any kind of accident, from a car crash to a slip and fall, you’ll learn how to:figure out how much your injury claim is worthgather the right evidenceprepare an effective demand letterrespond to common insurance company tacticsnegotiate a fair settlement, andfile a small claims lawsuit.This completely updated edition of How to Win Your Personal Injury Claim includes the latest state-by-state lawsuit filing deadlines and small claims court limits. Read more

Health insurance is a product that covers your medical expenses. Like auto insurance covers your car if you get into an accident, health insurance covers you if you get sick or injured. Insurance plans can differ in which providers you can see and how much you have to pay. It’s important to understand your costs and key health insurance terms, so you’ll know what services your plan will pay for and how much each visit or medicine will cost.This book will tell you the most important things you need to know about health insurance. You can use this book as a tool to gain confidence and to help you effectively use your health insurance plan. Read more

Accident law is currently under review throughout the United States, and indeed the world, as present systems prove increasingly inadequate to handle the mounting costs of automobile accidents. In this pioneering work, Guido Calabresi develops a framework for evaluating different systems of accident law. Defining the goal of accident law as the maximum reduction of accident and accident avoidance costs that can be achieved fairly, he examines ten political and economic choices implied in various approaches to reducing these costs. Calabresi then considers two fundamental problems all systems of accident law must face: who should be held responsible for accident costs, and how should they be valued? He analyzes the fault-insurance system now widely used and finds it wanting on grounds both of cost reduction objectives and fairness. In conclusion, he discusses recent proposals for reform of the law, points out questions they raise, and ends by indicating the two he thinks most likely to prevail and the fundamental conflict between them.“Calabresi’s book is most significant for its first-rate combination of modern economic analysis and legal policy. The methodology and underlying principles extend far beyond the particular subject matter of accident law to many other legal areas that could benefit from economic analysis. In turn, some economic analyses may become the richer for the discussion in this book. It is truly one of those rare important volumes.”—Gerald M Meier Read more

"A woman doesn't kill herself when she's losing weight," said the court reporter. Or does she? Seattle attorney Jack Hart is defending his client's refusal to pay on a life insurance policy. Everything points to suicide, except that the young woman lost 50 pounds in the six months before she jumped or fell 10 stories to her death. Suicide, accident – or murder? This fourth installment of the Jack Hart mystery series takes Jack across charismatic Seattle neighborhoods in search of clues. From Capitol Hill to Ballard, from Queen Anne to the University District, Jack learns of a young woman who seemed almost deliberately self-effacing, someone people couldn’t quite see. Someone that unobtrusive could overhear a lot of secrets – secrets that could get somebody killed. Praise from readers for the Jack Hart series: “Wow!! . . . [T]his series is among the very best.” “Great, Fantastic, Exciting.... Such a twist, turn and twist again story. Couldn't put it down.” “A great read! [A]n excellent mystery, very clever and convoluted!” Now with book club discussion guide Read more

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The theory of insurance is presented in this book, discussed from the viewpoint of the theory of economics of uncertainty. The principle of premium calculation which the book uses is based on economic equilibrium theory and differs from many of the premium systems discussed by actuaries.Reinsurance is developed in the framework of general economic equilibrium theory under uncertainty. Here ordering of risks, preferences and utility theory play an important role. The book discusses the markets for insurance and divides them into three classes: (i) life insurance (ii) business insurance and (iii) household insurance, and these classes are each treated extensively in three separate chapters. Finally uninsurable risks are presented under "asymmetric information". Here moral hazard and adverse selection are treated and illustrations are given, some based on game theory. Read more

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Schemes, Scams, Shams, and FlimFlams. Now you won’t have to wait for the TV series to hit HBO. Here’s a fascinating—often times hilarious—compilation of insurance fraud cases, some so outrageous, so utterly bizarre and crazy, you’ll have a hard time believing them. But it’s all true—direct from the private, confidential files of the nation’s top investigator. It’s the best of the best cases Delaney has handled. There isn’t a scheme, scam, sham, or flimflam that the author hasn’t dealt with over his thirty-plus year career of both investigating insurance claims and advising on settlements. But through it all, Delaney’s reputation for scrupulous honesty and fairness has won him the trust (and accolades) of everyone: insurers, claimants, and the courts. Here is an insider’s account you won’t want to miss. Read more

Reduce the time it can take to complete a medication prior authorization. Save up to $560 a week! The American Medical Association recently found that a physician has to do 29.1 prior authorizations a week, requiring 14.6 hours of work. This book can familiarize you with the process, use less of your time, and help your patients get their medications quicker. This is a succinct book written for providers to help patients get their medications covered by their insurance. It contains common ICD-10 codes, company phone numbers, and explanations of the confusing processes involved. Patients can also use this guide, but may need assistance from the internet or their doctor. The author has almost 2 years of prior authorization experience. Read more

Have you heard of Blockchain, cryptocurrency, and Bitcoin? Do you know someone who has made a fortune by using their knowledge and expertise of Blockchain and its relevant technology? Would you like to master the craft and get the most out of it?If any of the above have appealed to you, then keep reading. There is more!!While Blockchain appears to be complex, and it can be, its core idea is quite easy. A database, or Blockchain, is a form of digital ledger. To comprehend Blockchain, it is essential to first comprehend what a ledger is. It is a list of data processed on a computer device in an electronic format. Database material, or records, is typically arranged in table format to make finding and browsing for relevant information simpler.What's the distinction between a database and a spreadsheet when it comes to storing data? Spreadsheets are built to store and retrieve limited volumes of data for a single individual or a small number of people. On the other hand, a database is structured to hold even greater volumes of data that can be read, filtered, and exploited by any number of multiple users at the same time. Large databases do this by storing information on servers comprised of strong machines.To provide the computing resources and storage space required for multiple people to access the database simultaneously, these servers may often be constructed with hundreds or thousands of machines. Although anybody can access a spreadsheet or directory, it is often operated by a company and maintained by a designated person who directly influences how it functions and the data it contains.In this book, we will learn and understand:What is Blockchain, how it works, and how secure is it?Role of Blockchain in finance, banking, and currency exchangesFundamentals of CryptocurrencyConsensus Algorithms and crypto TokensHow initial Coin offerings work?Valuing Crypto assets beyond bitcoin and EthereumUnderstanding Ethereum and EtherBusting myths about BlockchainLimitations of BlockchainWhat does the future hold for Blockchain and cryptocurrency?If you haven't noticed, blockchain technology is about to transform not just the banking market but also other aspects of our lives. From storing patient history and resolving court issues, and shopping for food, there's a lot to keep track of. It's no doubt a sci-fi concept or a tech geek's creation. While Blockchain is still in its infancy in the commercial sector, the possibilities for introducing the technology into virtually every business are limitless. However, more studies and explanations of how we can apply blockchain technology to more facets of our lives are needed to truly comprehend what it is.This would not only help corporations incorporate it, but it will also enable the general public to connect with it on a more personal basis. People would realize the value of Blockchain once we avoid relying on the math and dexterous science behind it. And that the universe in which we exist in the future is inevitable. The idea of decentralized ownership is becoming a fact thanks to Blockchain.So, are you ready to enter a new age of technology and see what all the buzz has been about?Do you need more, or are you ready, love? Go ahead, click "Buy Now," and take the bull by its horns and be more efficient and successful! Read more

To sell property and casualty insurance, you need to obtain a property/casualty license. Every state sets its own rules for insurance licensing. In New York, for example, you have to undergo a criminal background check, take an accredited licensing class, and then pass the state insurance test. In many states, having the license to sell property and casualty coverage won't entitle you to sell life insurance or health insurance – those require a separate licensing path.This book might be what you have been looking for. I've detailed out methods, rebuttals, tips, and techniques to help. This book answers a lot of common questions I receive from Agents. It's tougher now than ever to compete as an insurance agent. Give it a read and let me know what you think. Read more