Hello All,
We recently have been working with Element SEO. A company that is bringing our service to the forefront when people enter certain keywords. They have been doing a marvelous job and we have noticed our page jumps. We were on page 2 of the key phrase "lost life insurance' on Google search. There will be more key phrases to come.
I am mentioning this so everyone can and will know that FindYourPolicy.com will be and is easily found when searching for a lost life insurance policy. Simply search the term "Lost life insurance" and you will find the only central database for life insurance in the world.
Also, be on the look out for a new article writen about us from Insure.com. It should be coming out in around 3 weeks. We will keep you updated.
Until next time Michael Hartmann
http://www.findyourpolicy.com/
Always remember our Mission Statement"To be the best in serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Friday, December 10, 2010
Friday, December 3, 2010
Life Insurance, Make Sure You Are Not Part of the Percent That Cannot Be Found
Life Insurance is definitely a need for all. It is important for family to know that if something unexpected where to happen their needs are taken care of. Despite what some think, life insurance is used to supply financial help to those you leave behind. Yes you are out of pocket while you are alive however; the small amount of monthly payments on a term policy is well worth the risk. You cannot guarantee a return in any other investment as life insurance. For example, if you were to get a 500,000 dollar life policy and pass away with in 3 years your beneficiaries would receive this large amount. You could have been paying as little as 50 dollars a month. There is no way that you can guarantee a return such as that with any other investment. Due to prices of life insurance everyone should have one form of life insurance or another.
As important it is to have life insurance it is just as important to prevent it from being lost. Lost life insurance is a major problem that gets recognized only when it is too late. When you have worked so hard at paying your policy term and trying to supply for your family in case of an accidental death, would you not want to be guaranteed your family members find it. There has to be a central database where an individual can go to locate a lost life insurance policy.
It is said that 25% of life insurance policies go unclaimed due to beneficiaries not knowing where to look. We will never know the real percentage as the life insurance companies can only do so much. They will assume when an individual with life insurance stops paying their premiums they no longer want the policy. Unless they contact each and every beneficiary when an insured person stops paying their premiums, to confirm their death we will never know the true numbers. Due to the Privacy Act, the insurance companies cannot put this information on a central database. With over 2000 life insurance companies in the United States alone, finding a lost life insurance policy is not as easy as everyone thinks.
FindYourPolicy.com is a central database where an individual can register the company name they have life insurance with, and it’s free. You can guarantee your family members receive the benefits you worked so hard to give them.
Think about it. As important as life insurance is, don’t you think it is just as important to make sure your family members find it when the time comes.
Until next time Michael Hartmann
www.findyourpolicy.com
Always remember our Mission Statement
"To be the best in serving our members by providing peace of mind that their beneficiaries receive their inheritance"
As important it is to have life insurance it is just as important to prevent it from being lost. Lost life insurance is a major problem that gets recognized only when it is too late. When you have worked so hard at paying your policy term and trying to supply for your family in case of an accidental death, would you not want to be guaranteed your family members find it. There has to be a central database where an individual can go to locate a lost life insurance policy.
It is said that 25% of life insurance policies go unclaimed due to beneficiaries not knowing where to look. We will never know the real percentage as the life insurance companies can only do so much. They will assume when an individual with life insurance stops paying their premiums they no longer want the policy. Unless they contact each and every beneficiary when an insured person stops paying their premiums, to confirm their death we will never know the true numbers. Due to the Privacy Act, the insurance companies cannot put this information on a central database. With over 2000 life insurance companies in the United States alone, finding a lost life insurance policy is not as easy as everyone thinks.
FindYourPolicy.com is a central database where an individual can register the company name they have life insurance with, and it’s free. You can guarantee your family members receive the benefits you worked so hard to give them.
Think about it. As important as life insurance is, don’t you think it is just as important to make sure your family members find it when the time comes.
Until next time Michael Hartmann
www.findyourpolicy.com
Always remember our Mission Statement
"To be the best in serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Saturday, November 6, 2010
Beneficiaries Of Unclaimed Life Insurance Policies Can Really Use The Money
It is just a shame that money owed to some beneficiaries of unclaimed life insurance policies never get to them during their lifetimes. I spoke with some representatives of life insurance companies to see how many phone calls daily they receive asking for them to search their database for lost life insurance policies. I had one company say 100’s a day. I had another company tell me 1000’s a day and they even elaborated that it was a total waste of the consumer’s time as well as resources and man power of his company. He said that they will never find it if they do not know which company their loved one bought it from. Well, I took this opportunity to explain FindYourPolicy.com to him; telling him that it is a safe and a much needed service. He listened to me for around 10 minutes with me explaining the benefits FindYourPolicy.com could have to his life insurance customers. Even with him telling me that it was a waste of time for anyone calling his company to search for a lost life insurance policy, he did not want anything to do with me. He flatly told me that he did not feel FindYourPolicy.com was a benefit to his life insurance customers.
Now as a life insurance agent myself, I took offense to this comment. Isn’t it the responsibility of the life insurance agent (regardless of the company they work for) to do what is best for the customer. Don’t you think that registering anyone with life insurance on a central database so that their beneficiaries can locate the company name that holds their life insurance policy is the best thing for the customer? Well I do. Not only does FindYourPolicy.com allow an individual to register the company name they have life insurance with, we never ask for your social security number, policy numbers, amounts or any proprietary information. And it’s FREE. All an individual needs to find a life insurance policy is the company name. Since there are over 2000 life insurance companies in the United States alone, having the company name on a central database will solve a major problem that gets recognized only when it is too late; lost life insurance policies.
Until next time Michael Hartmann
www.findyourpolicy.com
Always remember our Mission Statement
"To be the best in serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Now as a life insurance agent myself, I took offense to this comment. Isn’t it the responsibility of the life insurance agent (regardless of the company they work for) to do what is best for the customer. Don’t you think that registering anyone with life insurance on a central database so that their beneficiaries can locate the company name that holds their life insurance policy is the best thing for the customer? Well I do. Not only does FindYourPolicy.com allow an individual to register the company name they have life insurance with, we never ask for your social security number, policy numbers, amounts or any proprietary information. And it’s FREE. All an individual needs to find a life insurance policy is the company name. Since there are over 2000 life insurance companies in the United States alone, having the company name on a central database will solve a major problem that gets recognized only when it is too late; lost life insurance policies.
Until next time Michael Hartmann
www.findyourpolicy.com
Always remember our Mission Statement
"To be the best in serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Friday, October 22, 2010
A Life Insurance Night Mare that can be Avoided.
Hello All,
Uncle Bob passed away last week leaving his wife and children with a list of bills that in his mind at the time would easily be taken care of. Unfortunately his wife was afraid of the word death so Uncle Bob took care of all the life insurance paperwork and details. She knows that he was a stickler for money so paying an attorney to assist him was totally out of the question. He said that the family is easily taken care of if something were to happen. “He bought a policy from ……. I don’t exactly remember the company name, but that is okay because they will contact me if something were to happen” she constantly told friends. Well the time has come and to her surprise she cannot remember the company name and she has no idea where the policy paperwork is. Since the time he bought the policy they have moved twice and she is not sure if he updated the address on the policy. She could wait for a year to see if a payment receipt shows up in the mail or she could start calling the over 2000 life insurance companies, but that would be a night mare. The work starts now and all this because of a simple miscommunication.
This is only one scenario that can happen and that does happen. From Attorneys closing their doors to Hurricanes destroying files to just simply forgetting, can you guarantee that your beneficiaries will find your policy? Keep in mind they cannot wake you up to ask. This is something you have worked hard to have and keep up. This is something you want to know with certainty. Many individuals with life insurance take for granted that their loved ones will have no problem locating their life insurance policy when the time comes. There truly has to be a central database where an individual can search for their loved ones life insurance policy. Well now there is. It is called FindYourPolicy.com and it is FREE. There should no longer be a situation where a policy goes unclaimed. The process to register only takes two minutes and never is any proprietary information asked. All you are ever releasing to your beneficiaries is the company name that you have life insurance with. You will never be asked for a social security number or policy numbers or amounts. That is not necessary. If you have a company name you will never have to go through what Uncle Bob’s relatives are about to go through.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Uncle Bob passed away last week leaving his wife and children with a list of bills that in his mind at the time would easily be taken care of. Unfortunately his wife was afraid of the word death so Uncle Bob took care of all the life insurance paperwork and details. She knows that he was a stickler for money so paying an attorney to assist him was totally out of the question. He said that the family is easily taken care of if something were to happen. “He bought a policy from ……. I don’t exactly remember the company name, but that is okay because they will contact me if something were to happen” she constantly told friends. Well the time has come and to her surprise she cannot remember the company name and she has no idea where the policy paperwork is. Since the time he bought the policy they have moved twice and she is not sure if he updated the address on the policy. She could wait for a year to see if a payment receipt shows up in the mail or she could start calling the over 2000 life insurance companies, but that would be a night mare. The work starts now and all this because of a simple miscommunication.
This is only one scenario that can happen and that does happen. From Attorneys closing their doors to Hurricanes destroying files to just simply forgetting, can you guarantee that your beneficiaries will find your policy? Keep in mind they cannot wake you up to ask. This is something you have worked hard to have and keep up. This is something you want to know with certainty. Many individuals with life insurance take for granted that their loved ones will have no problem locating their life insurance policy when the time comes. There truly has to be a central database where an individual can search for their loved ones life insurance policy. Well now there is. It is called FindYourPolicy.com and it is FREE. There should no longer be a situation where a policy goes unclaimed. The process to register only takes two minutes and never is any proprietary information asked. All you are ever releasing to your beneficiaries is the company name that you have life insurance with. You will never be asked for a social security number or policy numbers or amounts. That is not necessary. If you have a company name you will never have to go through what Uncle Bob’s relatives are about to go through.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Friday, October 15, 2010
Unclaimed Life Insurance
Hello All,
Unclaimed life insurance policies do not disappear, they remain in force, waiting for the beneficiary to collect on them. Do you think that you may have such benefits waiting for you? Initiating an unclaimed life insurance search is a relatively straightforward process, but first it is important to understand what happens to a life insurance when someone dies.
What are the insurance terms, whole life or term life? If the insurance was term, then any unclaimed policy must be collected before the end of the term. If the death occurred after the end of the term policy, there will be no unclaimed life insurance to collect. If the policy was a ‘whole,’ there are several things that can happen. If the policy holder made premium payments up to the time that he/she passed away, the policy is paid up and the death benefit will be paid in full. If the policy holder stopped making payments, allowing the policy to lapse, there are two options available to the insurance company. They can assign the policy extended term status.
Extended status means they use the cash value of the life insurance policy to buy a term-life policy. The policy will be for the same amount as the original whole-life-policy. The term will extend for the amount of time that the cash value will allow. The insurer can also place the policy in what is known as reduced, paid up status. This means that the policy remains in effect, but the amount of the death benefit is reduced. Either of these options makes it possible to collect unclaimed life insurance.
What happens if no one notifies the company of the death? The insurer will contact the policy holder by mail to determine why payments have stopped, but, unfortunately, if no one notifies the policy issuing company that the policy holder is deceased, the policy will lapse.
FindYourPolicy.com is the only Free Life Insurance Registry. Register your life insurance company name so that loss of the company name will never happen to your loved ones.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Unclaimed life insurance policies do not disappear, they remain in force, waiting for the beneficiary to collect on them. Do you think that you may have such benefits waiting for you? Initiating an unclaimed life insurance search is a relatively straightforward process, but first it is important to understand what happens to a life insurance when someone dies.
What are the insurance terms, whole life or term life? If the insurance was term, then any unclaimed policy must be collected before the end of the term. If the death occurred after the end of the term policy, there will be no unclaimed life insurance to collect. If the policy was a ‘whole,’ there are several things that can happen. If the policy holder made premium payments up to the time that he/she passed away, the policy is paid up and the death benefit will be paid in full. If the policy holder stopped making payments, allowing the policy to lapse, there are two options available to the insurance company. They can assign the policy extended term status.
Extended status means they use the cash value of the life insurance policy to buy a term-life policy. The policy will be for the same amount as the original whole-life-policy. The term will extend for the amount of time that the cash value will allow. The insurer can also place the policy in what is known as reduced, paid up status. This means that the policy remains in effect, but the amount of the death benefit is reduced. Either of these options makes it possible to collect unclaimed life insurance.
What happens if no one notifies the company of the death? The insurer will contact the policy holder by mail to determine why payments have stopped, but, unfortunately, if no one notifies the policy issuing company that the policy holder is deceased, the policy will lapse.
FindYourPolicy.com is the only Free Life Insurance Registry. Register your life insurance company name so that loss of the company name will never happen to your loved ones.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Tuesday, October 12, 2010
International Clients
Hello All,
We are pleased to announce that our international clientelle is growing. We have individuals registering their life insurance company names as far away as Australia. The need to have your information on a central database has no boundaries. Just think of the heartaches this simple registration can prevent. You can forget however, FindYourPolicy will not.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
We are pleased to announce that our international clientelle is growing. We have individuals registering their life insurance company names as far away as Australia. The need to have your information on a central database has no boundaries. Just think of the heartaches this simple registration can prevent. You can forget however, FindYourPolicy will not.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Thursday, October 7, 2010
Hello All,
Buying life insurance is as important as having a job to secure the financial responsibilities of having a family. The only difference is that you will make sure they are secure when you are gone. FindYourPolicy.com assures they will be taken care of by locating the life policy that you worked so hard to have. Get a Life Insurance policy and then register it for free on FindYourPolicy.com, it is the greatest gift you can give your family.
Prevent unclaimed life insurance.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Buying life insurance is as important as having a job to secure the financial responsibilities of having a family. The only difference is that you will make sure they are secure when you are gone. FindYourPolicy.com assures they will be taken care of by locating the life policy that you worked so hard to have. Get a Life Insurance policy and then register it for free on FindYourPolicy.com, it is the greatest gift you can give your family.
Prevent unclaimed life insurance.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Wednesday, October 6, 2010
More Recognition
Hello All,
We have just confirmed a radio interview with Cythia Waters 850 am. She recognizes the need for our service and is very interested in spreading the word to her listening audience. We will be back shortly with more information.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
We have just confirmed a radio interview with Cythia Waters 850 am. She recognizes the need for our service and is very interested in spreading the word to her listening audience. We will be back shortly with more information.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Tuesday, October 5, 2010
Expected Results
Hello All,
We have had a great response to us resently going free with our registration process. Many poeple daily are taking advantage of our free registration service knowing that it is simple quick and very necessary. A caller called today tellling us how much he appreciates our service as he could not find his fathers life insurance policy and that he will immediately sign up to prevent the loss of his.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
We have had a great response to us resently going free with our registration process. Many poeple daily are taking advantage of our free registration service knowing that it is simple quick and very necessary. A caller called today tellling us how much he appreciates our service as he could not find his fathers life insurance policy and that he will immediately sign up to prevent the loss of his.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
Saturday, October 2, 2010
Major changes to FindYourPolicy.com
Hello All,
It has been approximately 3 years since we have started FindYourPolicy.com. During this time we have approached the Life Insurance industry with a bit of a naive attitude thinking that we will be assisting the Life Insurance companies to build a strong bond between them and their clients. They would now be able to say they not only sell them life insurance but they will now assist their clients after their passing assuring them their family members, loved ones will find their policies. Well, during this time we have found out that we are not welcome. We have constantly run into a road block and a very large one at that. These companies that are supposed to take care of their clients and show them the best thing for them have answered us with something that did not surprise us however made us quite upset. We had comments like "we do not feel that you are a benefit to our members." and the best one is "we really like your service however, if we were to take you, you would generate too many claims."
What does this tell you. They know the statistics and of course these statistics effect their bottom line. They basically bank on the fact that your beneficiaries lose track of your life insurance.
Due to this we have approached our service in a different light. We are no longer charging to register the company name that you have life insurance with. We are and have always considered ourselves as a Consumer Protection Service. It is now FREE to register and we will charge a small fee of $9.95 to search our database. A portion of that fee will go towards cancer research as FindYourPolicy.com was started due to my fathers passing.
Please take the initiative and speak with everyone you know and show them how important it is to register your life insurance on a central database. The website has a tell a friend button so send to all you know and help them store this very important information.
It has been approximately 3 years since we have started FindYourPolicy.com. During this time we have approached the Life Insurance industry with a bit of a naive attitude thinking that we will be assisting the Life Insurance companies to build a strong bond between them and their clients. They would now be able to say they not only sell them life insurance but they will now assist their clients after their passing assuring them their family members, loved ones will find their policies. Well, during this time we have found out that we are not welcome. We have constantly run into a road block and a very large one at that. These companies that are supposed to take care of their clients and show them the best thing for them have answered us with something that did not surprise us however made us quite upset. We had comments like "we do not feel that you are a benefit to our members." and the best one is "we really like your service however, if we were to take you, you would generate too many claims."
What does this tell you. They know the statistics and of course these statistics effect their bottom line. They basically bank on the fact that your beneficiaries lose track of your life insurance.
Due to this we have approached our service in a different light. We are no longer charging to register the company name that you have life insurance with. We are and have always considered ourselves as a Consumer Protection Service. It is now FREE to register and we will charge a small fee of $9.95 to search our database. A portion of that fee will go towards cancer research as FindYourPolicy.com was started due to my fathers passing.
Please take the initiative and speak with everyone you know and show them how important it is to register your life insurance on a central database. The website has a tell a friend button so send to all you know and help them store this very important information.
Until next time Michael Hartmann
Always remember our Mission Statement
"To be the best is serving our members by providing peace of mind that their beneficiaries receive their inheritance"
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