0_Wizard
I'm an insurance broker! I sell and negotiate insurance policies for my customers.
An insurance broker (also insurance agent) sells, solicits, or negotiates insurance for compensation.
chosen_Insurance_broker_0
Insurance broker
chosen_topic_0_Insurance_broker
Insurance
Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship.
Insurance broker
An insurance broker (also insurance agent) sells, solicits, or negotiates insurance for compensation. The largest insurance brokers in the world, by revenue, are Marsh & McLennan, Aon Corporation, and Arthur J. Gallagher & Co and Willis Group. "Insurance broker" became a regulated term under the Insurance Brokers (Registration) Act 1977 which was designed to thwart the bogus practices of firms holding themselves as brokers but in fact acting as representative of one or more favoured insurance companies. The term now has no legal definition following the repeal of the 1977 Act. The sale of general insurance was regulated by the Financial Services Authority from 14 January 2005 until 31 March 2013 and by the Financial Conduct Authority since 1 April 2013.
Life settlement
A life settlement is the sale of an existing life insurance policy to a third party for more than its cash surrender value, but less than its net death benefit. There are a number of reasons that a policy owner may choose to sell his or her life insurance policy. The policy owner may no longer need or want his or her policy, he or she may wish to purchase a different kind of life insurance policy, or premium payments may no longer be affordable. Policy owners often learn about settling their policies from a financial planner or advisor, insurance broker, attorney, friends or family, or estate planning presentations.
Vehicle insurance
Vehicle insurance (also known as car insurance, motor insurance or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise there from. Vehicle insurance may additionally offer financial protection against as theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.
Aon (company)
Aon plc is a global professional services firm headquartered in London that provides risk, retirement and health consulting. Aon has approximately 500 offices worldwide, serving 120 countries with 69,000 employees. In 2011, Aon was ranked as the largest insurance broker in the world based on revenue. Aon was the principal partner and global shirt sponsor of the Premier League team Manchester United F.C. from 2010 until 2014. Aon was created in 1982 when the Ryan Insurance Group merged with the Combined Insurance Company of America. In 1987, that company was renamed Aon, a Gaelic word meaning "one".
Life insurance
Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses, such as funeral expenses, can also be included in the benefits.
Nonadmitted and Reinsurance Reform Act of 2010
On July 21, 2010, President Barack Obama signed into law the federal Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank"), which contains the Nonadmitted and Reinsurance Reform Act of 2010 ("NRRA"). The NRRA applies to nonadmitted insurance, which includes surplus line insurance and directly-procured insurance, and to reinsurance. The NRRA took effect on July 21, 2011 and generally provides that the placement of nonadmitted insurance will be subject solely to the statutory and regulatory requirements of an insured's home state, and that no state, other than an insured's home state, may require a surplus lines broker to be licensed to sell, solicit, or negotiate nonadmitted insurance with respect to the insured.
1_Apprentice
what kind of insurance? like health insurance or pretty much any insurance?
0_Wizard
I mainly deal with general insurance like auto, home, etc. Occasionally I sell other types too!
Insurance brokerage is largely associated with general insurance (car, house etc.)
chosen_Insurance_broker_0
Insurance broker
chosen_topic_0_Insurance_broker
Insurance
Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship.
Usage-based insurance
Usage-based insurance (UBI) also known as pay as you drive (PAYD) and pay how you drive (PHYD) and mile-based auto insurance is a type of vehicle insurance whereby the costs are dependent upon type of vehicle used, measured against time, distance, behavior and place. This differs from traditional insurance, which attempts to differentiate and reward "safe" drivers, giving them lower premiums and/or a no-claims bonus. However, conventional differentiation is a reflection of history rather than present patterns of behaviour. This means that it may take a long time before safer (or more reckless) patterns of driving and changes in lifestyle feed through into premiums.
Honduras at the 2010 Central American and Caribbean Games
The XXIst Central American and Caribbean Games were held in Mayagüez, Puerto Rico from July 17, 2010 to August 1, 2010. The women's singles Final for the bowling event took place on 19 July at 8:00 (), three Honduran athletes participated in this event finishing 7th, 47th and 70th from 72 participants. The men's singles Final for the bowling event took place on 19 July at 17:00 (), four Honduran athletes participated in this event finishing 41st, 48th, 66th and 71st from 74 participants. The women's doubles Final for the bowling event took place on 20 July at 8:00 (), two Honduran athletes participated in this event finishing 19th from 70 participants.
Reliance Capital
Reliance Capital Limited (, ) is an Indian diversified financial services holding company promoted by Reliance Group. Reliance Capital, a constituent of Nifty Midcap 50 and MSCI Global Small Cap Index, is a part of the Reliance Group. It is amongst India’s leading and most valuable financial services companies in the private sector. As on March 31, 2017, the net worth of the company stood at Rs 16,548 crore, while its total assets as on the date stood at Rs 82,209 crore. Reliance Capital has businesses in asset management, mutual funds, life insurance and general insurance, commercial finance, home finance, stock broking, wealth management services, distribution of financial products, private equity, asset reconstruction, proprietary investments and other activities in financial services.
Vehicle insurance
Vehicle insurance (also known as car insurance, motor insurance or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise there from. Vehicle insurance may additionally offer financial protection against as theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.
National Insurance Company
National Insurance Company Limited (NICL) is a state owned general insurance company in India. Its catchline is ""Trusted Since 1906"" in italic. The company headquartered at Kolkata was established in 1906 and nationalised in 1972. Its portfolio consists of a multitude of general insurance policies, offered to a wide arena of clients encompassing different sectors of the economy. Apart from being a leading insurance provider in India, NICL also serves Nepal. After nationalisation in 1972, NICL operated as a subsidiary of General Insurance Corporation of India (GIC). National Insurance Company Limited was spun off as a distinct company under the "General Insurance Business (Nationalisation) Amendment Act" in 2002.
Insurance in the United States
Insurance in the United States refers to the market for risk in the United States, the world's largest insurance market by premium volume. Of the $4.640 trillion of gross premiums written worldwide in 2013, $1.274 trillion (27%) were written in the United States. Insurance, generally, is a contract in which the insurer agrees to compensate or indemnify another party (the insured, the policyholder or a beneficiary) for specified loss or damage to a specified thing (e.g., an item, property or life) from certain perils or risks in exchange for a fee (the insurance premium). For example, a property insurance company may agree to bear the risk that a particular piece of property (e.g., a car or a house) may suffer a specific type or types of damage or loss during a certain period of time in exchange for a fee from the policyholder who would otherwise be responsible for that damage or loss.
1_Apprentice
Oh, okay. Do you like your job? Why did you choose to be an insurance broker?
0_Wizard
I started by selling life insurance and really enjoyed it. So I decided to branch out and sell other types as well. I like making sure my customers are protected!
rather than life insurance, although some brokers continued to provide investment and life insurance brokerage until the onset of more onerous regulation in 2001.
chosen_Insurance_broker_0
Insurance broker
chosen_topic_0_Insurance_broker
Khuda Buksh
Khuda Buksh (February 1, 1912 – May 13, 1974) was an eminent Bengali life insurance salesman and humanitarian from the Indian subcontinent. For four decades he represented the “life and soul of the insurance industry” throughout the region, leaving his indelible mark on the business in three separate countries: British India (specifically in East India), Pakistan, and Bangladesh. Buksh, or “Insurance Giant,” as he became known, gained fame in the 1940s, specifically for his salesmanship in East India. From the 1950s to 1960s, he helped build one of Pakistan’s top insurance companies from scratch, placing it on the world map.
Insurance
Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship.
Life insurance
Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses, such as funeral expenses, can also be included in the benefits.
MetLife
MetLife, Inc. is the holding corporation for the Metropolitan Life Insurance Company (MLIC), better known as MetLife, and its affiliates. MetLife is among the largest global providers of insurance, annuities, and employee benefit programs, with 90 million customers in over 60 countries. The firm was founded on March 24, 1868. On January 6, 1915, MetLife completed the mutualization process, changing from a stock life insurance company owned by individuals to a mutual company operating without external shareholders and for the benefit of policyholders. The company went public in 2000. Through its subsidiaries and affiliates, MetLife holds leading market positions in the United States, Japan, Latin America, Asia’s Pacific region, Europe, and the Middle East.
LLQP
LLQP (Life License Qualification Program) is part of the Canadian licensing regime for life insurance sales people. Before an advisor in the financial services sector is allowed to begin selling life insurance products, they must complete and pass LLQP, and earn a certificate of completion. Once the certification exam is completed, and criminal records checks are submitted, applicants may apply to their provincial insurance council to write the licensing exam. Once the provincial exam is completed and passed, the applicant may complete the requirements to apply for a license to sell life insurance, accident and sickness products, and life insurance related investment products like Segregated funds and annuities.
List of Weeds characters
This is a list of characters from the television series "Weeds". Nancy Botwin, née Price (Mary-Louise Parker, leading character)—also known as Lacey LaPlante (season two) and Nathalie Newman (season six)—was a PTA soccer mom until her husband, Judah, suddenly died of a heart attack. To maintain the upper middle-class lifestyle to which she was accustomed in the fictional town of Agrestic, Nancy entered the world of marijuana dealing. At the start, her regular clients include her accountant, her lawyer, and fellow suburban friends. However, as she expands and fights for survival, she is confronted with the violent realities of her business as she jockeys against competitors, gangs, and drug lords.
Life Insurance Corporation
Life Insurance Corporation of India (LIC) is an Indian state-owned insurance group and investment company headquartered in Mumbai. It is the largest insurance company in India with an estimated asset value of . As of 2013 it had total life fund of Rs.1433103.14 crore with total value of policies sold of 367.82 lakh that year. The Life Insurance Corporation of India was founded in 1956 when the Parliament of India passed the Life Insurance of India Act that nationalised the private insurance industry in India. Over 245 insurance companies and provident societies were merged to create the state owned Life Insurance Corporation.
1_Apprentice
that's very nice of you. looks like you are really enjoying what you do. 
0_Wizard
Hurricanes are a common occurrence in my area and I've seen people lose everything if they don't have proper coverage. I like to make sure my customers are fully covered to prevent financial loss.
Insurance is a means of protection from financial loss.
self_Insurance_0
Insurance
self_1_Insurance
South African contract law
South African contract law is ‘essentially a modernised version of the Roman-Dutch law of contract’, which is itself rooted in canon and Roman laws. In the broadest definition, a contract is an agreement two or more parties enter into with the serious intention of creating a legal obligation. Contract law provides a legal framework within which persons can transact business and exchange resources, secure in the knowledge that the law will uphold their agreements and, if necessary, enforce them. The law of contract underpins private enterprise in South Africa and regulates it in the interest of fair dealing.
Nandini (TV series)
Nandhini is an Indian multilingual supernatural television drama that premiered on 23 January 2017 on Sun TV, Gemini TV, Surya TV and Udaya TV channels. This is the first South Indian Serial to be aired in 4 South Indian language by Sun Network channels and same time except for Udaya TV, which is half hour earlier. It is claimed that the show is the second biggest budgeted series on Indian television after Naagin and the first in South India. Nithya Ram, Malavika Wales, Rahul Ravi and Adhitri are the main protagonists of the series. The series is produced by Tamil film director Sundar C. and his wife, actress Kushboo.
Insurance
Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship.
Economic policy of Donald Trump
Donald Trump's signature economic policy proposals, sometimes referred to as MAGAnomics or Trumponomics, include trade protectionism, immigration reduction, individual and corporate tax reform, the dismantling of the Dodd–Frank Wall Street Reform and Consumer Protection Act, and the repeal of the Patient Protection and Affordable Care Act ("Obamacare"). Bills to repeal and replace the Affordable Care Act ("Obamacare") did not pass Congress in mid-2017. However, Trump's tax reform plan was signed into law in December 2017, which included substantial tax cuts for higher income taxpayers and corporations as well as repeal of a key Obamacare element, the individual mandate.
Social Security (United States)
In the United States, Social Security is the commonly used term for the federal Old-Age, Survivors, and Disability Insurance (OASDI) program. The original Social Security Act was signed into law by President Franklin Roosevelt in 1935, and the current version of the Act, as amended, encompasses several social welfare and social insurance programs. Social Security is funded primarily through payroll taxes called Federal Insurance Contributions Act tax (FICA) or Self Employed Contributions Act Tax (SECA). Tax deposits are collected by the Internal Revenue Service (IRS) and are formally entrusted to the Federal Old-Age and Survivors Insurance Trust Fund and the Federal Disability Insurance Trust Fund, the two Social Security Trust Funds.
Political positions of Hillary Clinton
Hillary Clinton, the nominee of the Democratic Party for president of the United States in 2016, has taken positions on political issues while serving as First Lady of Arkansas (1979–81; 1983–92), First Lady of the United States (1993–2001); as U.S. Senator from New York (2001–2009); and serving as the United States Secretary of State (2009–2013). In accordance with longstanding custom, during her time as Secretary of State she largely avoided taking stances on most domestic political issues. In 2015, she announced her candidacy for the presidency. Clinton won the Democratic primaries and formally became the party's nominee at the 2016 Democratic National Convention.
Strip club
Strip clubs are venues where strippers provide adult entertainment, predominantly in the form of striptease or other erotic or exotic dances. Strip clubs typically adopt a nightclub or bar style, and can also adopt a theatre or cabaret-style. American-style strip clubs began to appear outside North America after World War II, arriving in Asia in the late 1940s and Europe in the 1950s, where they competed against the local English and French styles of striptease and erotic performances. As of 2005, the size of the global strip club industry was estimated to be US$75 billion. In 2002, the size of the U.S. strip club industry was estimated to be US$3.1 billion, generating 19% of the total gross revenue in legal adult entertainment.
1_Apprentice
You actually making me want to get an insurance. 