Free Online Home Inventory for Homeowner Insurance

HomeZada announces a new FREE subscription for homeowners to create a home inventory securely online. Insurance companies recommend that homeowners document their possessions and keep these records current and safely stored away from the home in case of disaster. HomeZada provides a FREE integrated online and a mobile solution for a home inventory.

“HomeZada is quick and simple in creating a home inventory through a predictive process that eliminates data entry and focusing on a photo based approach with either a digital camera or iPhone or Android apps. A few key tags to the photos that are securely stored in the cloud and people have a well-documented home inventory in no time at all,” said Elizabeth Dodson, co-founder.

With the recent rise in natural disasters and extreme weather causing billions in property damage, various government agencies are educating the public on the need to have family emergency preparedness plans in place. These family plans, documents, and contacts are securely saved in HomeZada’s cloud solution where they are accessible by multiple family members anywhere via computer or mobile phone.

Most homeowners don’t know the value of their possessions; therefore they may be significantly under-insured. HomeZada provides multiple dashboards to quickly see the value of possessions by key categories or by room. People can instantly print a home inventory PDF and have a deeper discussion with their insurance company about the right amount of coverage for their contents.

The new FREE Essentials package includes many other features to manage a home including over 150 maintenance and landscaping best practice checklists. These home maintenance alerts are automatically presented by month or season in HomeZada’s news and alerts page which keeps people well informed on key maintenance tasks around the home.

In addition, the Essentials package includes the ability to save important property documents online such as insurance policies, mortgage documents, property taxes, appraisals, remodeling plans and permits. There is also a contacts directory to keep track of emergency contacts and other regular home services providers where everyone in the family can access the central online directory.

How to Sell Disability Insurance

Seven Time-Tested Tips for Selling Paycheck Protection

1. Say “Paycheck Protection.” Don’t tell me what it is. Tell me what it does! Most
people cannot envision being disabled but they can understand the importance
of protecting the paycheck – their most important asset. Change your client’s
perspective by using one key phrase!

2. Sell the Need with Stats. The likelihood of being disabled during your working life
is much more common than you would think. Use statistics to emphasize the
likelihood of being disabled when meeting with clients.

3. Sell to Business Owners. Insure the Golden Goose! There are many good
candidates for DI, but business owners need the most protection. Protect business
owners’ paychecks with individual disability insurance along with a Business
Overhead Expense (BOE) policy to protect the business. Only 5 percent of business
owners have a Business Overhead Expense policy.

4. Tell the Previous and Potentially Declined, Yes! Height and weight? Abnormal
labs? Heart surgery, diabetes, sleep apnea, hepatitis and multiple medications?
The chances are great that our brokers can find a carrier for your clients with health issues. Health issues are no longer a reason not to seek DI.

5. Sell Multi-Life Cases. Sell three or more lives from the same workplace or
organization, and your clients will receive major discounts. Females can save up to
45% on their annual premiums! Why sell one case if it’s better to sell three?

6. Overcome Price Objections: Compare the Cost of DI to Home and Auto
Insurance. Use our Annual Protection Review (APR) sales script to help clients understand that disability insurance is actually more affordable than home or auto insurance.

7. Ask The Question: Do You Have Paycheck Protection? Most agents don’t sell DI
because they don’t ask the question. Start a dialogue about DI.

Tuesday Morning Minutes

Family finances, lies, and warning signs

We expect a certain amount of discretion when discussing financial matters: How much money you make, how much you paid for those earrings, and so forth. But there should be no secrets between spouses, right?

Well, sometimes there are. A survey by the Denver-based National Endowment for Financial Education found that among couples, 31 percent have deceived their partner about money. More than 50 percent admit to hiding cash or minor purchases, and 34 percent said they’d lied about either their income or their debt.

The consequences can be severe: 16 percent of survey participants said their dishonesty about money resulted in divorce. NEFE advises partners to watch out for these warning signs:

• Reluctance or anger around discussing finances
• Major purchases made without discussion
• Bills or charges for purchases you weren’t aware of
• Lines of credit secretly opened in your partner’s name—or yours

Tuesday Morning Minutes

 

Maintain your energy level to stay on the fast track

People who succeed usually have lots of energy. They’re hardworking, focused, and willing to put in whatever effort is necessary to achieve their goals. But maintaining a high energy level all day every day can be difficult. Here’s how to keep going without resorting to pills or other dangerous options:

• Wear bright colors. Projecting a positive, energetic attitude through your wardrobe can bring out enthusiasm and good spirits in others. A positive response from people around you will stimulate your own motivation.
• Eat a power snack. A little chocolate can give you a slight endorphin buzz, along with a mild jolt of caffeine. When your energy flags in the afternoon, a modest snack of mixed nuts, dried fruits, granola, and/or some yogurt can rejuvenate you better than a calorie-filled candy bar.
• Stand on tiptoe. One good stretch when you’re feeling tired is rolling up and down on your tiptoes a few times. This can get your circulatory system moving, sending oxygen and glucose through your body for a burst of energy.
• Smell some citrus. Citrus scents like lemon, grape­fruit, and lime can enhance your alertness. Try it.
• Drink some water. Dehydration can sap your energy, so make sure you get plenty of water throughout the day. And when you feel tired, splash a little cold water on your face to wake yourself up.
• Change your socks. This is an offbeat little tip, but it sounds like it might work: About halfway through your day, take a little time to put on a fresh pair of socks. Experts say that it can make you feel refreshed and ready to tackle the rest of your day, especially if you spend a lot of time on your feet.