Commercial Underwriters. East Bay San Francisco, CA.
“A” rated carrier has addition to staff openings for underwriters with two or more years of commercial lines experience.
You can bring an all-lines background, a package background, or a casualty lines background. (No pure monoline will work).
All lines premiums tend to range in the $200-$300k area.
A 4 year college degree is required.
This is one of the more solid P&C carriers in the country, and cone people are there, few ever leave.
Sal… Continue

30-year fixed-rate mortgage: Averaged 4.95 percent with an average 0.7 point for the week ending March 11, 2010, down from last week when it averaged 4.97 percent. Last year at this time, the 30-year FRM averaged 5.03 percent.


The 15-year fixed-rate mortgage: Averaged 4.32 percent with an average 0.7 point, down from last week when it averaged 4.33 percent. A year ago at this time… Continue

Market Composite Index: (loan application volume) increased 0.5 percent on a seasonally adjusted basis from one week earlier. On an unadjusted basis, the Index increased 1.2 percent compared with the previous week.



Refinance Index: decreased 1.5 percent the previous week and the seasonally adjusted Purchase Index increased 5.7 percent from one week earlier.


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Here is the latest from CEOs Up on the Tundra. Does this track with YOUR thinking?

What is the general consensus on the affect of health care reform on medical insurance premiums? Most of the agents I have talked to said rates would go down initially and then within a couple of years be back up at or above current levels. The difference is that more of it will be paid by uncle Sam so more people will be able to afford it. There really is no reform, only a change in where the costs will be incur… Continue

We signed up with Sean London in December 2008.

We paid him $3,400.00 for insurance appointments. He guaranteed appointments within 30 days.

As of today we received one bogus appointment and a lot of lip service from Sean London.

I caution any agents out there about doing business with Seasn London since as of today our results are terrible - no appointments - no reply from Sean London until we phone and hound him and if we are lucky to get him on

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Mortgage Bankers Association has developed a new forbearance program that would allow qualified borrowers who lose their jobs to stay in their homes while they look for a job. The MBAA proposal would have loan servicers lower mortgage payment for up to nine months while a homeowner looked for work. This would allow for a great deal of stability in the lives of those who lose t… Continue

The S&P Case-Shiller U.S. National Home Price Index posted a 2.5% decrease from a year earlier, a significant easing from the 19%, 15% and 8.7% declines in the rest of 2009.



The indexes showed prices in 10 major metropolitan areas fell 2.4% in December from a year earlier, while the index for 20 major metropolitan areas dropped 3.1%. Prices are down 5.3% in the past year, compared with a 7.3% decline in October, S&P said. A year ago, prices had tumbled 18.2%. The index s… Continue

30-year fixed-rate mortgage: Averaged 5.05 percent with an average 0.7 point for the week ending February 25, 2010, up from last week when it averaged 4.93 percent. Last year at this time, the 30-year FRM averaged 5.07 percent.



The 15-year fixed-rate mortgage: Averaged 4.40 p… Continue

Market Composite Index: (loan application volume) decreased 8.5 percent on a seasonally adjusted basis from one week earlier



Refinance Index: decreased 8.9 percent from the previous week. The seasonally adjusted Purchase Index decreased 7.3 percent from one w… Continue

This post was copied from my blog: http://insurancemarketingHQ.com

Most insurance agencies existed before social media exploded as the de facto marketing initiative all small businesses must master. In that vein, Denise Zimmerman of imediaconnection.com wrote a must-read blog post, “7 things socia

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Real-estate investment trusts sold $24 billion in new stock last year, raising to profit from commercial-property distress by picking up high-quality real estate at bargain prices. But they are having trouble finding deals. Tishman Spier, recently handed the keys back to the banks. Peter Cooper village and Stuyvesant Town comprise 56,000 units. Another 2.6 billion dollar deal was handed back to Barclays and they have no intention of putting these properties up at bargain basement pri… Continue

Lenders may be beginning to open up as they see some signs of an economy that is stabilizing. Data released by the Mortgage Bankers Association (MBA) notes commercial and multifamily mortgage originations rose 12% in the fourth quarter year over year. Loan originations in the fourth quarter also were 15% higher than in the third quarter. see chart

life ins… Continue

The bleeding edge is a cool and exciting place to be, but—by definition—it is also bloody.

- Ara Trembly

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The key to mainstreaming green homes is to make sure that consumers understand the value of green upgrades — how cost-effective energy efficiency can be in the long run. Consumers want homes that are
environmentally friendly and home values should reflect the increased

savings.

Better Homes and Gardens

Recent poll results of 2,342 people who plan to purchase or do a major home improvement in 2010 show

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The Associated Press reported - on Sunday - that the death of
Government Healthcare means the birth of the CEO as "The Healthcare
Police." The AP says Joe Friday is going to crack down on Girl
Friday in an attempt to control healthcare cost. Here's a link to a blog on the AP story...

It’s a grand oversimplification, but the easiest way to fix the health care system is to have healthier people. Coming from a former farm stand volunteer, the local, fresh and healthy eating mantra is a welcome message for America’s processed food consuming masses, communities and insurers.

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Insurance Fraud

(c) 2010

Barry Zalma

An E-Book in Adobe .pdf format key-word searchable by Adobe Reader.

Insurance fraud continually takes more money each year than it did the last from the insurance buying public.

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Steve Adams, the vice president of Marketing at Protus, wrote this article on Internet faxing that provides insight on why Insurance agencies should start faxing through the Internet rather than traditional fax machines. The move helps streamline costs, makes document sharing easier and reduces an agency's carbon footprint.

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