Archive for the 'insurance' Category


Esok aku akan kembali ke Jerantut setelah seminggu berehat di Banting. Mungkin lain kali aku akan cari tempat lain untuk berehat. Aku tak kesah dekat mana-mana, janji ada tempat tidur dan aku masih boleh melayari internet. Itu dah cukup. Tapi mungkin aku akan ambil masa untuk pergi ke satu tempat yang jauh sikit atau berkhemah dihutan. Takde masalah rasanya. Bawa aje GPS dan kompas. Insya-Allah tak sesat. Hehe..

Dalam setengah jam lagi, kita dah boleh berbuka. Itupun jika aku sempat habiskan artikel ini. Tadi baru aje shopping barang sikit. Ada projek sikit minggu depan kat Jerantut dan aku ditugaskan untuk beli beberapa barang dan minggu depan juga ada 2 orang akan ambil personal Coaching tentang Asas Blog dan WordPress dan Cara Buat duit dengan Blog manakala personal coaching TNX juga akan diajarkan sekali sebagai bonus. Walaupun tiada modul tetap, tapi aku yakin mereka boleh tangkap apa yang akan aku beritahu mereka. Ambillah nota apa yang patut. Lagipun bulan puasa ini aku rasa kita ada banyak masa untuk belajar dan masa untuk ujikaji. Insya-Allah, semua blog MMO aku akan aku update. Sekarang memang aku malas nak tulis apa-apa. Cuma diblog ini aje aku rajin update berbanding blog-blog yang lain. Mungkin aku sibuk layan anime dan baca manga online sahaja. Haha..

blue 300x206 Titan, Banting dan Jerantut


Malam semalam, aku terawih lambat. Dalam jam 2 pagi. Itupun wat 8 rakaat aje sebab aku berbuka puasa dengan kawan-kawan aku kat Bagan Lalang. Lepas tu, kitaorang terus ke Alamanda. Lepak kat sana main bowling dan sempat pula tengok wayang cerita Orphan. Balik rumah dekat jam 2. Nasib adik aku belum tidur lagi. Kalau tidak, memang aku tidur dalam kereta lah gamaknya. Kene plak adik perempuan aku pun balik rumah juga semalam, sempat pula dia tibai laptop aku. Patutlah tanya password laptop aku malam tadi, dan aku sempat layan naruto 10 episode sebelum tertidur dalam jam 4 pagi. Pastu, abah aku kejut untuk sahur dan aku sambung layan naruto lagi beberapa episode sebelum aku terlelap semula..

Minggu depan juga aku akan buat semula projek-projek yang terbengkalai. Antaranya projek TNX, projek GDI, projek TLA, projek Speed Adsense, projek Bukisa, projek Shamelin dan juga beberapa projek yang sempat aku plan dalam minggu ini. Ya, rehat-rehat juga. Tapi notepad aku tu aku taip juga apa-apa yang patut sementara aku terlintas apa-apa dalam otak ni. Takdelah rehat bodoh aje. Apapun, semoga ianya akan berjalan dengan baik. Benarlah, blog merupakan insuran terbaik bagi aku untuk masa depan. Akan aku curahkan apa yang patut melalui medium blog ini buat duit dengan blog melalui cara dan acuan aku sendiri.

Ps: Iklan Nuffnang semakin banyak dalam bulan puasa ini. Korang perasan atau tidak? Ke aku sorang aje perasan tentang iklan Nuffnang yang selalu bertukar-tukar. Biasanya korang akan nampak iklan Nuffnang pada waktu tengah malam, petang dan waktu subuh. Time tu, memang galak iklan Nuffnang keluar kat kebanyakkan blog-blog aku..

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To become an insurance agent or underwriter, one must obtain licensing in their home state and non-resident licensing for any other state where they will be selling insurance. If you work for an insurance agency or company, they may completely cover the cost of your studies, testing and licensing fees. The compliance department will handle your resident and non-resident licensing arrangements. If you are interested in becoming an insurance agent, here are the steps you need to take to obtain the proper licenses.

1. Determine your state-specific requirements for obtaining an insurance license

Call your state’s department of insurance or visit their website to find out which courses are required, what pre-certifications are needed to qualify for testing and information on background checks and filing fees needed in order to obtain an insurance license. Each state has their own specific requirements for both resident and non-resident licensing.

2. Choose the type of insurance license you need

Licenses are required for all lines of insurancen, including Life, Accident & Health, Property, Casualty, Personal and Surety Bail Bonds. Each line of insurance carries specific educational requirements. Upon determining which licenses are needed, you can then start the required coursework needed in order to test for an insurance agent license.

3. Complete all required pre-licensing education

You can obtain the necessary education through classroom studies, self-study, and any pre-licensing courses offered by your state. In order to test for an insurance license, in Ohio for example, one must have a Course Completion certificate before they can take the insurance license exam. See the resource links at the end of this article for websites that provide insurance courses that meet all states’ licensing requirements.

4. Determine where and when you will be taking your insurance licensing examination

Some states will allow testing to take place outside of the home state. Dependent upon your state, you may have to pay for your testing at the time of scheduling. When scheduling your examination, you will be given a list of items needed at the time of the examination.

5. Take the examination



Follow licensing and testing requirements to the letter. If even one detail is missed or ignored, you can be prevented from taking the examination and will lose any fees that you have paid. Arrive at least 30 minutes early, and bring any pre-licensing certificates, at least two forms of identification (driver license, birth certificate, etc.), and a credit or debit card to pay for any background checks/fingerprinting services not previously completed. Most licensing examinations are administered on computer and are monitored by video camera and by a testing monitor.

6. Complete the Uniform Resident Agent Application



After successfully passing the licensing examination, you can then complete the Uniform Resident Agent application. Most testing facilities now make your status available shortly (within minutes) after you have completed the examination. Forward results, completed application, background checks and application fees to the Department of Insurance in your state. Once your application has been processed, you will receive your official license via postal mail.

After obtaining your insurance license, your state of resident will also require that you complete a specified amount of continuing education courses. Not only does continuing education keep your license active, it also assists you in staying current with insurance industry trends, new laws and regulations, and new insurance products. To truly build upon your talent and to further your insurance career, you need to consider obtaining licenses for several lines of insurance. This is especially true for anyone seeking to become an independent agent that can sell multiple lines (property/casualty/personal/commercial, etc.) The Insurance Institute of America provides continuing education courses, and also programs that add professional designations to your credentials. These designations are important tools in building a professional insurance resume, and can also help you to choose a specialty within the industry. Some of these designations are:

* AAI Accredited Adviser in Insurance

* AFSB Associate in Fidelity and Surety Bonding

* AIC Associate In Claims

* AIS Associate in Insurance Services

* API Associate in Personal Insurance

* ARM Associate in Risk Management

* AU Associate in Commercial Underwriting

* CIC Certified Insurance Counselor

Once you have obtaining licensing, and continue to work towards the assorted designations, your options increase within the insurance industry. Even if you should decide that insurance is not for you, your education and licensing can help you obtain positions in other fields such as risk assessment/loss control, security, consulting and much more.

Here are some websites that will assist you in learning more about licensing, and education for the insurance industry:

Computer-based Testing Solutions for Insurance Continuing Education

Insurance Continuing Education-WebCE

Insurance Institute of America
(Bukisa ID #15096)

Content Source: Insurance: What it Takes to Become a Licensed Agent - Bukisa.com

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How to Properly Insure an Engagement Ring


When it comes to insuring your engagement ring there is one thing you must have before you approach any insurance company. You need to have an appraisal. Make sure the appraisal is from an independent jewelry appraiser and that it is an actual appraisal and not a gemological laboratory report (gem lab report).

Gem Lab Report vs Appraisal

A gem lab report is a report describing the gemstone itself. It describes the dimensions, weight, clarity, color, etc. The gem lab report never changes unless the stone itself is altered. It does not take into consideration the market value of the stone nor does it take into account the stone’s setting and its value as wearable jewelry. Therefore a gem lab report will not adequately provide an accurate value of your engagement ring.

An appraisal, on the other hand, places a value on both the gem and the setting. It provides a dollar value that can be used for insurance purposes. After having an appraised value, you’ll be able to start making choices.

Endorsement or Separate Policy

First you should review your homeowners or renters insurance policy. Check to see if it provides enough automatic jewelry coverage to adequately insure your engagement ring. Some companies offer anywhere from $500 to $1,000 automatic jewelry coverage as part of their standard policy. If the automatic coverage limit is not adequate, look to add a jewelry endorsement.

If your engagement ring is of a considerable value, you should purchase a separate insurance policy to cover your ring. Insurance companies such as Jewelers Mutual will provide such coverage.

Once you’ve secured adequate coverage for the engagement ring, review the policy’s deductible. Some insurance companies, depending on your area, may ensure your ring with zero deductible.

Here are a few helpful tips when insuring your ring:

  1. Have pictures of your engagement ring. Photos come in handy in the event your ring is lost, damaged or stolen. It not only helps the insurance company when settling a claim, it helps the jeweler when repairing or replacing your ring.

  2. Appraise your ring or any valuable jewelry regularly. As market conditions change the value of your engagement ring may increase or decrease over time. Discuss the appraisal frequency with your insurance agent .

  3. Become familiar with Jewelry Insurance Standards Organization (JISO). JISO is a non-profit organization that provides information to those involved in the jewelry insurance process, from the consumer to the appraiser to the insurance company. They provide information, warnings and tips that will prove to be helpful when it comes to insuring your engagement ring.


Once you’ve adequately insured your ring, be sure to take proper care of it to ensure it will continue to sparkle up to and beyond your wedding day.
(Bukisa ID #6099)

Content Source: How to Properly Insure an Engagement Ring - Bukisa.com

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I know many people already trying their best to choose the best Insurance plan from many big or small company. Sometimes, i don’t know which one i should try and take insurance plan. Some bank come to my office and promote their bank insurance plan and some of them manage to attract and make me join them but after i think twice, i decline their offer because i want to think deeply about this decision. Its not easy because its for long term and i guess its time for me to take serious in my life. Seems like i already play enough, right?

When i go and search on net. I found some interesting tips that i can follow.

1. Most people will take life insurance and car insurance. So, i guess i need both.
2. Most people wiill take famous and reliable company for insurance plan.
3. Most people will search and read reviews from others website and blog to know about insurance.
4. Most people ask others people like family and closest friend about insurance plan.
5. Most people will subsribe insurance quote like Insurance101 and others.

I guess, nothing wrong if we go and try to try life and car insurance. I need them even i don’t want to take it. At least i should think about my own family, right? Err, my future family. Hehe..

Find interesting insurance quote. Just go and subsribe it here. Its free!

Ps: Sometimes, become a family scares me because we will have big responsibilty especially for men like us. But its something that we must face. We cannot run away forever. When the time comes, face it with great melayu boleh guts! I guess i know how to choose my best insurance plan now. Hehe..

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kempen merdeka - Selamat Menyambut Hari Kemerdekaan 2011