Did you Know That a Student Pilot is Rated by Most Life Insurance Companies.

There are various insurance plans that offer policies to sick individuals who are unable to get insurance anywhere else, although the premiums are high. Insurance companies generally hesitate to insure individuals with high mortality risks. The major kinds of insurance policies are term life insurance and permanent life insurance. A term life insurance policy provides death insurance for a specified duration. Whole life insurance and term life insurance are the two basic forms of insurance policies. A term life insurance policy is also called temporary or short-term life insurance.

People with short-term insurance needs, like a young individual with dependents, a house loan or a car loan, favor this kind of insurance policy because they are cheap and affordable in comparison to whole life policies. There are now two kinds of term life insurance, namely level term (decreasing premium) and annual renewable term (increasing premium) policies. Whole life insurance has an ingrained cash value and guaranteed life protection features.

The initial steep premiums of whole life insurance may exceed the actual cost of the insurance. If you are a single parent then it is all the more important to get a life insurance online quote at the earliest and buy the best and most suitable life insurance policy thereafter, Your life insurance amount is also decided by your economic and family situations. Remember all Life insurance companies that offer you a life insurance online quote require very specific information regarding your medical history. You will receive the life insurance online quote specific to your requirement. Life insurance companies have been selling term life insurance on line for a while now. Whole life insurance is now also available.

8 Principles in Running a Sales-Led Business

Moving into 2013 we’re all feeling confident for the future. If you’re in a sales-led company, then you’ll be engrossed with the opportunities. Here’s a quick break to measure yourself against professional sales managers and see what you can do differently in 2013.

Research carried out this year (2012) with members of the UK’s Sales Performance Association gave these as the top 8 principles to running a sales business. Let’s see how your sales-led business compares.

The 8 principles of solid sales management

  1. Recruit technical experts who can relate to the companies or clients they call upon, who understand how companies work and the report and accounts and who are intimate with their understanding of their industry. Or hire people and train them in these areas. Hey you don’t need to train them, they have Google if they’re driven enough.
  2. Hold regular sales training and techniques workshops. Hire the best sales trainers your budget can afford and don’t go for second best.
  3. Do lots of 1 to 1 coaching with your team, at least 2 to 3 days on the road with them quarterly.
  4. Follow a strict sales process or account management process, stick to it, train to it and coach it. It doesn’t have to be long winded or stretch for years, unless you operate a very complex sale. But you must have one. Be aware that modern sales processes work alongside the customer’s buying process because they’re now in control. With your sales process overlaid against their buying process, we can see the engagement points i.e. where you add value to their buying decision. Thus is born your sales process.
  5. Have a Sales Playbook. As a rugby coach for under 15’s I know that every opportunity in the game of rugby goes into a playbook. It contains all the moves, drills, routines that will ensure success at any point in the game. It tells you what to do when you’re in an offensive situation under their posts, or in defensive mode. The playbook is a constant companion to the rugby coach and players alike. It holds all the wisdom, ideas, innovations that means a successful game of rugby. Likewise you should have a playbook for each segment of your sales process, capturing the best practice that you should follow for every move.
  6. Learn how procurement works in the companies you call upon because you will encounter them more than you think.
  7. Meticulous use of Customer Relationship Management – CRM – an absolute must. Good salespeople run their business lives through the CRM system. It’s like your Outlook calendar, contacts and tasks on steroids and it helps you to wrap your business day around the customers you’re currently selling to. Essential.
  8. Continual recruitment even if you have no vacancies. Never cease in this area otherwise it’ll come back to bite you from behind.

This is what professional sales managers say about their sales businesses but what about you? Have you got some ideas to tighten up for 2013?

The Best Home Based Business Ideas For 2013

Just in case you are one of the many entrepreneurial wannabes, we shall take a look at the current wave of home based business ideas for 2013. Consider yourself lucky as you are about to learn about some home based business ideas and options with the potential of changing your life for the better and realizing your goal for achieving financial freedom.

The following, are a few examples that you can do on a part-time basis. Eventually, you might even choose to make this side job, your full-time gig. The good thing about all of them is the fact that they all have the potential to earn a significant amount of extra income for you. So, let’s get started:

A. Web designing

This idea involves being very creative with web designing and creating quality websites for individuals or even corporations. You will need a personal computer, good web design software and a little bit of marketing. Think about starting by walking along your down town shopping district and convincing each shop owner, that they should have a presence on the internet in order to increase their overall business.

B. Virtual assistant

This involves working from home as a shadow secretary, filtering emails for the client, drafting letters for them as well as looking at accounts, scheduling and reminding the clients of appointments as well as paying bills. For this you will need outstanding secretarial skills and efficiency in using computers.

C. Writing articles and E Books

This is another very popular home based business idea that simply involves applying a little creativity, planning, management skills and persistence to come up with unique and interesting pieces of writing for online audiences. One of the up and coming outlets for your work is reselling your E-books on Kindle.

D. Interior designing

A perfect choice for you if you are good with material selection, colors as well as general arrangements. This idea requires a lot of creativity, passion and amazing utilization of space to come up with ideal visual impressions.

E. Online Auctions

The boom of eBay and other on-line auction sites seems to be continuously expanding. Let your imagination run here with the acquisition of close-out merchandise and other flea market items that you can easily retail from the comfort of your den. If you visit local garage/yard sales, you will see the many dollar items that can be sold for five dollars or more.

From the aforementioned list, it is clear to see that there are very many potential home based business ideas to choose from. This being the case, try as much as possible to get the mind thinking and the wheels turning. In short, there really is no limit to the amount of home based business ideas that you can come up with. Your financial freedom will depend upon it!

The Best Home Based Business Ideas For 2013

Just in case you are one of the many entrepreneurial wannabes, we shall take a look at the current wave of home based business ideas for 2013. Consider yourself lucky as you are about to learn about some home based business ideas and options with the potential of changing your life for the better and realizing your goal for achieving financial freedom.

The following, are a few examples that you can do on a part-time basis. Eventually, you might even choose to make this side job, your full-time gig. The good thing about all of them is the fact that they all have the potential to earn a significant amount of extra income for you. So, let’s get started:

A. Web designing

This idea involves being very creative with web designing and creating quality websites for individuals or even corporations. You will need a personal computer, good web design software and a little bit of marketing. Think about starting by walking along your down town shopping district and convincing each shop owner, that they should have a presence on the internet in order to increase their overall business.

B. Virtual assistant

This involves working from home as a shadow secretary, filtering emails for the client, drafting letters for them as well as looking at accounts, scheduling and reminding the clients of appointments as well as paying bills. For this you will need outstanding secretarial skills and efficiency in using computers.

C. Writing articles and E Books

This is another very popular home based business idea that simply involves applying a little creativity, planning, management skills and persistence to come up with unique and interesting pieces of writing for online audiences. One of the up and coming outlets for your work is reselling your E-books on Kindle.

D. Interior designing

A perfect choice for you if you are good with material selection, colors as well as general arrangements. This idea requires a lot of creativity, passion and amazing utilization of space to come up with ideal visual impressions.

E. Online Auctions

The boom of eBay and other on-line auction sites seems to be continuously expanding. Let your imagination run here with the acquisition of close-out merchandise and other flea market items that you can easily retail from the comfort of your den. If you visit local garage/yard sales, you will see the many dollar items that can be sold for five dollars or more.

From the aforementioned list, it is clear to see that there are very many potential home based business ideas to choose from. This being the case, try as much as possible to get the mind thinking and the wheels turning. In short, there really is no limit to the amount of home based business ideas that you can come up with. Your financial freedom will depend upon it!

Is This a Good Time to Become a Franchise Development and Sales Consultant?

Not long ago, I was asked if 2013 would be a good year to start a franchising career, not to buy a franchise but to work in the franchising industry. Specifically, the individual wondered if it made sense to work in franchise development, marketing, and sales. Well, that’s a decent question and realize at the economy gets better the first thing you have to do is generate more sales and franchisors always need more cash flow, because that money is leveraged for faster growth and more revenue, almost like a jet engine on an airliner as it spools up to maximum power. Okay so let’s talk.

Is 2013 a good year to find a career in this niche area of the franchising industry in my opinion? Yes. Now some people believe that franchising is recession proof, I’ve often heard that said myself, but is it true? Well, not really you see in business, NOTHING is recession proof, I like to say “franchising” is recession resistant. The problem right now is really about “loan qualification” and flexible franchisors on paying 1/2 franchise fee now, or willing to take retiring veterans and waiving the franchise fee for service to this great nation.

Another issue now is that ObamaCare is scaring away anyone who knows anything about running a business. So, it is really taking its toll on the small business community, much of the fear is overblown but not all, and what is a franchise but a networked group of small businesses sharing the synergies of brand, business plan, and high-volume buying? If smaller companies are having problems and franchisees are small time business owners, then even though their business models are highly evolved, they are still vulnerable.

If a franchisor’s franchisees are failing in large numbers then the royalty revenue takes a big hit, so they have to cut back offering less help, thus accelerating a cascading effect unless the management of the franchising company has their act together. Meanwhile, litigation often appears as franchisees fail and try to shift the burden of responsibilities for monies owed back onto the franchisor, trying to break the franchise agreement covenants.

So, anyone wanting to get into franchising on the marketing side for franchisors needs to realize that unless they are with a well-financed franchisor, they could experience such a melt-down. On the positive side, during times of economic crisis, there are many franchise buyers out there who’ve been downsized, laid off, or lost their jobs. Providing they can get funding, there could be lots of sales. Many franchisors have had their highest revenue gains during poor economic times. That’s always how it was for my franchising company. Please consider all this and think on it.