1. Assemble a list of all your insurance companies for the past 10 years with dates of coverage and policy numbers so your broker can obtain your loss runs (history of loss/claims), which normally should be requested within 60 days of your renewal (anything older may not be acceptable to the insurer).

2. Make copies of your licenses, update your CV, and assemble your letter head and any marketing pieces. The CV is important, since a potential insurer wants to see that you have adequate training. The letterhead, website and any marketing pieces are there for the underwriter to see if you are advertising services that may not be apparent on your application.

3. Write narratives on all claims for the past 10 years, as well as any medical board issues, if applicable. This is your opportunity to give your brief version of the events that occurred. Be concise and brief.

4. Your broker should give you one application, which he/she will use for your renewal and to shop for your coverage. Take your time filling this out, paying attention to the procedure list and marking all procedures that you perform (do not add things that you do not). Never delegate your application to your assistant. If you leave a procedure off in the application or there is a material misrepresentation, though unintentional, the insurer can deny your claims. Also, do not leave any blanks on your application rather add NA if something does not apply.

5. Your broker will send you letters to sign, which will be addressed to your former and current insurer(s) for the past 10 years. List your policy number, sign, and send this back to your broker first thing, prior to finishing your application since obtaining the loss runs can take some time. The purpose of loss runs is that the insurer wants third party confirmation on your losses.

6. Once you get your renewal and other quotes, read them carefully and ask lots of questions. Also, check your retroactive date to make sure it matches your current policy. Some people miss this and stare at a cheap price, while ignoring the terms of the quote. If you lose coverage to save money, you are not saving much.

7. If you are in the non standard market, a market reserved for doctors with malpractice claims, you will want to review premium finance options. The interest rate should be lower than a credit card. If it is not, start asking questions. Also, the norm is that you pay 25% as a down payment and finance the rest over nine payments. Ask your broker for a 10 payment plan. Most finance companies will do this as a favor to the broker.

8. Send your down payment right away to your broker, and make sure you have the funds in the bank. If you are late, the insurer may pull the quote. The broker will not bind coverage without the down payment, because the insurance company can require the broker to pay it. If this happens, then your policy will not be activated.

9. Pay your premium early. Don’t ever be late. This is the one bill to never float. The insurance company can cancel and refuse to reinstate you for coverage. May sure your book keeper knows to pay this bill first and foremost.

A cash advance can meet your emergency cash needs within hours of your seeking it. The upper limit of cash advance is usually $1500. For securing this cash, all you need is a confirmation regarding your employment, a previous salary stub, and a checking account. Once you file your application, especially if it is online, then it is processed in no time and you can get the money in a matter of minutes or, at the most, a couple of hours.

The cash advance needs to be repaid on the borrower’s date of payment. Cash advances have become a way of life with people in America because the low-wage working sector has become a common factor and is also growing at a rapid rate. Purchasing something today and making its payment tomorrow seems to have become the norm with the present generation.

This has resulted in a growing abuse of facilities like cash advances, which do not allow people to emerge from their debt life long. Many of these people borrow against every paycheck. Emergency services are meant to bail you out of crises that emerge unforeseen like medical emergencies. The use of these services should be made in the desired circumstances only, and the amount borrowed should be only that which is needed. No extra money should be borrowed.

For people with bad credit histories, a cash advance is a boon. This is because no credit checks are done on the borrowers and no questions are asked in concern of why the amount is being borrowed. This, however, doesn’t mean that for every need you go rushing to seek a cash advance. This is because this form of a loan is more expensive as compared to other forms of credit.

The interest or the fee that is charged for, say, a hundred dollars, is 15-30%. Cash advances are popular not just with the people seeking them but also with the lending organizations, because they can earn a quick buck there. What also needs to be kept in mind is that cash advances should be repaid on the due dates rather than being rolled over for a new term because the fee charged is more and might increase the interest amount to more than the actual loan amount.

The method of repayment is usually issuing a post-dated check to the lender, which will be charged to your account on the date of repayment.

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