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.

Weight Loss – How to Diet While Living a Busy Life

Everyone is busy nowadays and that is why more and more people are struggling with their weight. Life has turned into doing things that are quick and easy so you can keep going. How many times have you stopped at a fast food restaurant for lunch just because it was on the way, making it easy to do? Let’s take a closer look at how to diet and maintain a healthy lifestyle while living a busy life.

Tip #1: Avoid processed foods whenever possible
Processed foods are filled with salt, chemicals and sugars that are not good for your body. To avoid them at lunch time try preparing a salad to take with you. You can do this easily by buying a bag of premixed lettuce or salad mix at the store. Add veggies or fruits you like. Package it in a plastic container and add salad dressing when your ready to eat it. For dinner if you are cooking always make extra that can be frozen and reheated later in the week.

Tip #2: Preplan your snacks
Everyone loves to snack, but most people reach for a candy bar or a bag of chips. By preplanning your snacks such as placing celery sticks, carrot sticks or fruit into a sandwich bag. This will make it easier and quicker to grab a nutritional snack when you feel the need.

Tip #3: Increase your activity
If may not be possible to exercise every day but there are a few tricks you can do to increase your activity while still getting alone in your busy day. Instead of parking in the front row of the parking lot opt for a space further back. Instead of taking the elevator up a few flights opt to take the stairs. If you usually sit during your lunch take the few extra minutes you have left after eating to walk around the block.

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.