Choosing an Independent Insurance Agent - Travelers Insurance

How to Opt Out of Receiving The Yellow Pages

The latest edition of the local Yellow Pages was recently left on my front porch. I immediately put it in the recycle bin. I can't remember the last time I looked up anything using the Yellow Pages.
A recent study showed that nearly 70% of adults in the United States "rarely or never" use the phone book, and instead opt to use the Web-based search tools, which are infinitely more convenient and efficient.
Fortunately, there is now a way for businesses and individuals to opt out of receiving paper-based phone books using a new website called the National Yellow Pages Consumer Choice & Opt Out Site. The new opt-out site was created by Yellow Pages Association, the trade organization that represents the publishers of phone books in the United States, signaling an acknowledgement that printing and distributing paper phone books to every household is no longer a sustainable practice.
To opt out of receiving the phone book on your door, go to http://www.yellowpagesoptout.com/ and register. The registration process requires you to enter your address and phone number, but a note on the page promises that this information won't be used for any purpose other than to opt out. Once registered, you'll receive an email with your auto-generated password, which you can then use to log into the site. From there, you can select which phone books you would like to receive (wishful thinking on their part?) or click the gray "Opt Out of All" button in the lower left and then click "Save Changes." After opting out, you'll get a confirmation email listing which phone books you'll be receiving moving forward, if any.
If you don't use phone books, opt out today -- and help save a few trees. National Yellow Pages Consumer Choice & Opt Out Site http://www.yellowpagesoptout.com/

As More Workers Go Mobile, Workers’ Compensation Exposure Grows

Check out this article:
http://www.insurancejournal.com/news/east/2011/06/03/201020.htm

Certificates of Insurance

A Certificate of Insurance (COI) is a document that evidences for one party the insurance coverage held by another party. It evidences the coverage in place at the time of issuance of the certificate. Certificates of insurance are crucial to the transacting of business and are used in a multitude of situations. It is important to note that a certificate of insurance is only evidence of insurance coverage in effect at the time of issuance of the certificate; it is not an insurance policy nor does it convey any rights to the certificate holder. It is not foolproof and is provided as information only.

Credit Rating and your insurance

What does my credit rating have to do with purchasing insurance?

Credit scores are based on an analysis of an individual’s credit history. Insurers often generate a numerical ranking based on a person’s credit history, known as an “insurance score,” when underwriting and setting the rates for insurance policies. Actuarial studies show that how a person manages his or her financial affairs, which is what an insurance score indicates, is a good predictor of insurance claims. Insurance scores are used to help insurers differentiate between lower and higher insurance risks and thus charge a premium equal to the risk they are assuming. Statistically, people who have a poor insurance score are more likely to file a claim.

What is the difference between my credit score and my credit history?

Your credit history is all the information—such as credit accounts, balances due and details of your payment history—contained in your credit report. This information is collected and updated regularly by the three reporting agencies (Equifax, Experian and TransUnion). Your credit report also contains information about bankruptcies, overdue debt from collection agencies, foreclosures, liens and judgments. Whenever you apply for a loan or a line of credit, you authorize your lender to ask for a copy of your credit report. This is how inquiries appear on your credit report. Your credit score is a numerical calculation based on the information in your credit report. Your credit score, also known as your FICO score, is used by lenders to determine your credit worthiness. Your score will go up or down based on your payment history, account balances, new inquiries and a number of other factors. For more information visit MyFICO.com.

Taken from iii.org

The Under 40 Young Professionals connect in YP Fayette

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