Getting the Best Price For Your Small Business Life Insurance Policy

Being a small business owner means you have to learn about so many things. A real pain is finding a good small business life insurance policy. It feels, as a small business, that they try and rake you over the coals. When you are only one or two employees they can be even more difficult. The prices are astronomical. The process is like jumping through hoops just to have someone watch and laugh at you. It doesn’t have to be that way. Here are a few things that might help.

Why Bother with Small Business Life Insurance?

Right now, there’s the question of whether or not you should even offer insurance, right? Yet, as a business owner you want to do right by your employees. Often, having a good insurance policy would allow you to give your employees something that makes them happy. Honestly, if done right it does not have to be horribly expensive.

How to Buy a Small Business Life Insurance

Your best bet in buying small business life insurance is to contact a broker or a number of brokers that will walk you through the process. You have enough going on in your business to keep you busy day in and day out. There is no need for you to become an insurance expert. Let the experts be the expert. Talk to 3 to 5 companies at a minimum. Make sure you like the people you’re talking to. If you don’t, get rid of them. This is business, not pleasure. So, make sure that the people you like know their business.

What to Look for in a Broker?

When talking to an insurance broker, you want to make sure they can handle small business life policies. Just because they can sell personal life insurance does not mean they can help you. Ask that question up front in the very beginning. It will save all of you a lot of time. Also, ask them how many small business life insurance policies they have handled. If the number is small, then consider whether or not you want to be there training case.

The Rating of the Company

Ultimately, when you choose a company you need to consider their rating. The bigger your company is, the more likely it is that your insurance policy will be necessary. I realize that is morbid, but it is life. You want to make sure that the life insurance company will be there when you need them. A superior rating is wonderful. I would be wary of anything at fair or below. But that’s just me.

Lessons Learned – A Different Path Made Online – A New Home Business Life Possible

Are you living for Friday afternoons while dreading the coming of Monday morning? Why? Do you think you have to? STOP! You absolutely don’t and should not. This mindset has been placed on you by our culture and you just accepted it as law. Think about it…did you truly decide to work a job that you hate 50+ hours a week for 30+ years with a meager living, retirement and a watch to show for it? I think not. That is what our culture imprinted into our minds as normal growing up covering the childhood ideas and dreams of what we really wanted to do. Guess what? We now have a tool that is changing this outcome forever and all you need to do is hear/see/make the lessons learned…a different path made online…a new home business life possible.

After doing some serious listening and life review, while picking the brains of those that bought into the previous work mentality, some huge lessons learned surfaced with the cream. Not a single person wished they made more money or had more things. However, every one wished they spent more time with family and done something they loved for a career instead. The old work perspective and/or mindset formula is wrong. Listen up…that is what that sick feeling that starts every Sunday night is trying to tell you. Don’t let your life time pass by before you decide to acknowledge it. We are fortunate to have a technology and culture that is evolving leaps and bounds over what our elders had. If you’re not taking advantage of it odds are you will end up with exactly what they had, wishes.

If you haven’t figured it out by now entrepreneurs I’m talking about the Internet. This is the new world of FREE advertising, marketing, building you inc, and living a fuller life that includes family and what you love doing. There are no limited boundaries of time, resources, or knowledge holding you back. Accept this new way, its perspective and mindset. It’s time to make your own path, the tool is fully accessible, and you know what you love. Take action now! No excuses! Contact me, other digital citizens, Google for information, interact in the online world and just begin creating the pieces of the picture in your mind of what you want your life to be.

One last thought to move your efforts forward…let me ask you, how hard have you worked over the last 5, 10, 20+ years in the old way and to what end? Let me make this clear, the new way requires just as much work and patience if not more at times. The benefits however, are what really matter…just ask those that missed out and can’t get it back. I’m Karl Keller taking leverage to main-street by sharing the lessons learned…a different path made online…a new home business life possible.

Strategies For Success After Failure in Business & Life

As part of my life journey I have faced many ups and downs in our business life, I’ve experienced the giddy heights of quick and meteoric success in business. Building up a company worth many millions of dollars and then an equally disastrous loss of fortune due the Asian Financial crisis of the late 90’s. This saw us losing large sums of money, in fact all of it bar a few dollars, many properties and most devastatingly, our family home. It truly was the most challenging time our family had ever faced.

The greatest toll it took on me was emotionally. It was extremely difficult for me to see this ‘failure’ for what it was; a set of external circumstances beyond our control. For me I felt like a personal failure, it was my fault and I let this keep me down for many years. I buried my natural creative, entrepreneurial nature and got busy focusing on our 3 very young children. I allowed my feelings of shame and humiliation to rob me of many years and almost every shred of confidence I had.

Today I was privileged to attend an event in Wellington called “Women and Wealth” where the keynote speaker was Suzanne Paul, a public figure in New Zealand, founder and inventor of the ‘Natural Glow’ cosmetic empire. Due to a new business venture failing, Suzanne has also experienced a very public loss of everything, including her self esteem and confidence. I have always admired her courage in sharing her story in her book and via interviews and speaking engagements. Like a lot of women, I have followed her story, been inspired by her sheer guts and determination to pick herself up, dust herself off and start over. Having slowly done the same myself firmly believing the mantra… “But wait, there’s more”

“Most great people have attained their greatest success just one step beyond their greatest failure”. – Napoleon Hill

This quote from Napoleon Hill has given me strength and encouragement each day since I found it. If I’m experiencing any defeats in my day, I will open my iPhone and flick up this quote to inspire and motivate me to just keep going, put one foot in front of the other and move towards my goals.

If you find yourself in the same position, are 4 essential strategies to help you find your confidence again, you may be looking for whiz bang hard edge business strategies but I can assure you that healing your relationship with yourself first will guarantee you success in all areas of life and have you moving forward…

Forgive Yourself

Find a way to make peace with your past defeats, analyse ‘why’ this happened, find out all the outside influences that lead to the circumstances of your failure, examine your own decisions, identify what you could have done differently, learn from this lesson. By truly understanding what happened analytically, you can be confident of not making the same decisions again that lead you there. Now move on… and realign your focus and start on your new future.

Make a Plan for your New Future

Write your goals, dreams and aspirations out in a notebook, prioritise them and make an action plan of small steps you can take each day to reach these goals. If this is a new experience for you, start with small easily achievable goals. The fact that you are working towards them and achieving gives you confidence. each small achievement give you more confidence to tackle bigger dreams. Be Persistent.. Keep going until…

Change your Energy & Environment

Start to turn your energy around to a positive resonance and surround yourself with positive like minded people. Get out of your house and your comfort zone and find people who are going where you want to be. Reprogramme yourself. ‘Fake it til you make it” or acting ‘as if’ you are enthusiastic, energised and motivated each day will soon trick your brain into actually being & feeling this way. When you are surrounded by happy motivated people you can not help but feel the same way. And curiously they will be drawn to your positive and motivated energy, giving you perpetual support and encouragement.

Plan for and enjoy a holistic Life

Remember although we are primarily addressing business success from failure, leading a life balanced with good health, a loving family environment, caring and supportive friends, charity, achievement and wealth is a successful life indeed.

Successful Investing in Self and Wealth.