Insurance Underwriting Jobs - Could You Be An Underwriter?

Insurance underwriting derives from the Lloyd's of London insurance market in London, United Kingdom. The basics of underwriting are a process used to assess the process of providing access to insurance. The term 'underwriting' was for financial backers who would accept some of the risk on a venture in exchange for a payment, or premium. The financial backer would literally write their names under the risk information which was written on a Lloyd's slip.

Insurance underwriters have the task of calculating the risk of insuring people and businesses. The insurance underwriter is responsible for determining the risk factor, how much insurance coverage the business or person needs and how much the business or person will pay for the insurance.

The risk is measured on an exposure scale and the premium is a charge to insure the risk. The primary function of underwriters in the insurance business are to write business (insurance policies) that will make the insurance company money and protect the insurance company from risks that have high potential for loss. To be short, underwriting is the process of distributing insurance policies.

Every insurance company has their own set of guidelines for risk and underwriting. In these cases, companies look at proposals from people or businesses and then decide on whether insurance will be granted. In the case of life insurance, the risk assessment and underwriting process usually requires that the applicant for life insurance provide medical evidence.

Underwriters have the ability to make counteroffers to proposals. Usually these counter offers have a significantly higher premium (considered a loaded premium). The counter offer from a high-risk insurance policy application may also include restrictions on circumstances in which a claim could be paid by the insurance company.

Some insurance companies have an automated underwriting system that uses the rules encoded, which helps reduce the vast amount of manual work required by an underwriter.

Lloyd's of London insurance in London, United Kingdom is a society of underwriters and financial backers. This society can be approached by specially registered insurance brokers to obtain insurance. High risk insurance proposals sometimes have a difficult task of finding insurance, but societies like Lloyd's of London specialize in such risk analysis. The premiums for extremely high risk business or people is often staggering, and the restrictions can be daunting, however, at the end of the day, it's most important to remember that you have complied with insurance regulations set by your lease, company, loan agreement or other agreement and that you have met the compliance issues set out.

Medical Coding & Billing - General Duties and Jobs

What are the various duties that the medical coding and medical billing professionals have to do? Computerization and globalization has greatly helped in successfully managing the country's vast health care and health insurance needs of the people. The fast growing community of medical coders and billers is a force to reckon with. Here is a list of some of the duties that they may have to handle in the course of their work.

    * Insurance benefits presentation to patients / clients
    * Administrative work / bookkeeping
    * Completion of claim forms
    * Medical billing procedure handling
    * Signature verification
    * Data entry
    * Supervision work
    * Adhering to each insurance carrier's policies and procedures
    * Software based medical data/charts analysis
    * Interaction with healthcare providers
    * Billing work of insurance companies
    * Documenting all activities using the right medical terms
    * Scheduling appointments

What are the different jobs and designations that medical coders / billers can get? Depending on the type of work specialization, and the employer, these are some of the different job titles the qualified medical coders/ billers work may work under.

    * Billing Specialist
    * Patient Account Representative
    * Electronic Claims Processor
    * Billing Coordinator
    * Coding Specialist
    * Health Information technician
    * Claims Analyst
    * Reimbursement Specialist
    * Claims Assistant
    * Professional Medical Collector
    * Claims Processor
    * Claims Reviewer

We know that while claiming the reimbursement for the medical bill from an insurance company it is necessary to prove the medical necessity of the case! It is the medical coder who needs to scan all patient data / record and then prove that all the rendered services were justified.

One of the interesting aspects of working in this sector of the health care industry is that the requirements for the medical biller /coder's job is never limited by either location, gender, race, religion, or physical disabilities. It is well known that the demand for medical and pharmaceutical services is ever increasing and therefore medical coders and billers are getting good employment opportunities.

Insurance Risk Management Jobs - What Does A Risk Manager Do?

In the insurance sector the job of a risk manager in simple terms is to work out how likely someone is to claim and what premium would be required should they need to pay out on the policy.

An example of risk management in work could be, given the recent changes in the UK law, anyone found using a mobile phone whilst driving is liable to a fine and penalty points on their license. The idea follows anyone who has been found using their mobile and received penalty points is more likely to have an accident & claim on their policy. If they have disobeyed traffic laws in the past this implies they might do again in the future. Therefore their premium is higher to cover the greater likelihood of a claim.

The role of a risk manager typically goes through four stages

Planning - normally this involves understanding the process or what happens that needs to be insured. By understanding the detail a risk analyst is able to understand the potential outcomes of a situation and make reasoned judgments & recommendations.

Mapping out - this involves working out the various stake-holders and to what extent each risk needs to be assessed based upon the likelihood of the risk & consequences of that event.
Defining a framework - now that the risk itself has been identified a framework is important to understand & explain your findings.

Developing an analysis - here is where the experience & training really becomes important. It is the analysis & recommendations that are created during risk management that helps those creating premiums understand the situation even if they may not be familiar with the intricacies of that specific case.

However the role of an experienced and qualified risk manager can be a lot more complex & challenging. Field assessments as well as the production of detailed risk reports are all part of the job.

Given the important role insurance has within every area life an insurance job offers real potential for future growth. There are a number of organisations which risk analysts can become members of, which provide support, training & professional opportunities to their members. Chartered Insurance Institute (CII) is one of the main organizations and they offer a variety of specific qualifications which would be worth considering as part of your ongoing development in risk management.

Arkansas Insurance Adjuster - 3 Steps to Become a Licensed Adjuster in Arkansas

Arkansas residents interested in becoming an independent claims adjuster working catastrophic claims across the country should strongly consider first obtaining their resident Arkansas adjuster license. Non-residents interested in working claims in Arkansas may be required to obtain this license before being allowed an assignment. There is an exam required and a stipulation regarding experience. Follow these 3 steps to obtain and maintain your adjuster license in Arkansas.

Step 1) Observe the Requirements

Individuals applying for an Arkansas adjuster license must be 18 years of age or older. According to the Arkansas Department of Insurance, if you are a resident of Arkansas you must have "at least one year of experience in claims adjusting or must work under the direct supervision of an Arkansas licensed adjuster for 1 year after licensure to maintain the adjuster license." Finally, residents must pass an insurance adjuster exam administered by Promissor.

Step 2) Obtain the License

To successfully become a licensed Arkansas adjuster, you will need to fill out and submit the Adjuster Application Form AID-LI-ADJ and accompany it with a $60 licensing fee. Page 5 of the application requires your consent to allow the State Police to conduct a criminal record search and release any results to the Arkansas Insurance Department. This, however, only applies to resident applicants. Arkansas grants reciprocal licensing privileges to non-resident adjusters holding a license in their home state. Unfortunately, if your home state does not require a license to be an adjuster, you must then pass the Arkansas adjuster exam.

Step 3) Maintain the License

Licensed Arkansas adjusters must renew their license once yearly by submitting a renewal application and a $35 renewal fee. There are no Continuing Education requirements mandated by Arkansas for the proper maintenance of the adjuster license.

Summary: Ultimately, residents of Arkansas will want to obtain their resident Arkansas adjuster license - whether you intend to work claims there or not. Independent catastrophic adjusters who work outside the state but have their primary residence in Arkansas should strongly consider obtaining this license. Many states will not allow you to reciprocally obtain their license if you are not licensed in your resident state. This is not your prototypical risk state for disaster, but as it borders the tornado belt, and with frequent hail storms and flooding, non-resident applicant interest should remain stable. For additional licensing information, refer to the complete Arkansas insurance adjuster requirements.

ABOUT THE AUTHOR: Daniel Kerr has served as a career and training consultant for thousands of experienced and aspiring professionals in the insurance claims adjuster industry. In addition to his work as a catastrophic claims adjuster, Daniel acted as the V.P. of Operations for one of the most successful adjuster licensing companies in the country - helping to grow the business into the most recognized brand in the industry.

Top 5 Jobs Which Require Life Insurance!

Life insurance is an important aspect of everyone's lives and is something which everyone will have to face at some point in time throughout their lives. This point may come sooner rather than later for some individuals because of the job they perform on a daily basis.

While some individuals start everyday by putting on their suits and racing to get to the coffee shop for their morning coffee, others are strapping on their work boots and preparing themselves for a day of excruciatingly hard labor. As scary as it may sound, there are many individuals who are willing to put their lives in danger every single day when they get up and go to work.

The following is a list of the top 5 jobs which are considered to be the most dangerous jobs in the world. Individuals who perform these jobs are highly recommended to have a life insurance plan incase (god forbid) anything goes wrong on any given day. These are the 5 occupations which made the list:

1. Police/Detectives - Police Officers face life threatening situations almost everyday. They are highly trained to defend themselves and are equipped with protective equipment at all times. Life insurance and disability insurance are crucial for individuals working in the field of policing.

2. Airplane Pilots - Believe it or not, airplane pilots require life insurance because they are dealing with such powerful machines which have been known to have mechanical glitches. Airplane pilots are also highly trained in their field to make sure they do their best to fly safely.

3. Construction Workers - Construction workers are somewhat unappreciated for the amount of hard work they do everyday. They not only put their lives in danger from all the machinery they are expected to operate, but they also face many factors which will affect their health in the long run. Overexposure to sun, heat and excessive lifting are just a few of these factors.

4. Farm Workers - Much like construction workers, farm workers are at high risk of injury or death due to the fact that they are constantly operating heavy machinery. There are hundreds of farm work related deaths a years and thousands of injuries for individuals working in farm fields. Life insurance and disability insurance are important for individuals in this occupation.

5. Fire Fighters - It is a known fact that fire fighters put their lives on the line everyday to save the lives of others. Knowing the potential consequences and performing the job anyways indicates that these workers deserve the highest level of respect from others. Individuals who have chosen careers in firefighting are also likely to have a life insurance policy.

Is your job dangerous? Is your life on the line everyday? Maybe not, but there are many other factors other than your occupation which may indicate you need life insurance. Life insurance is a plan which will ensure your loved ones are taken care of incase anything happens to you. Wouldn't you like to know your family would be looked after should this type of situation occur?

Legitimate Work From Home - Christian Work at Home Jobs

Almost any job that is done from home will involve working over the internet. If you are looking over christian work at home jobs and are seeking honest work without taking any chances of falling into one of the many scams you've heard of, read on. There is a way to search safely with built in ways to double check for legitimacy and honesty.

The world wide Web is in its infancy like the lawless west of the old days. Laws are being passed, but how will they be enforced in a global environment? The bottom line: you have to be careful when you decide to work from home.

Here are just a few of the legitimate types of jobs that exist on the internet:

    * Medical transcription. This one is growing quickly because a large percentage of the population is aging.
    * Typing for lawyers' offices.
    * Customer service desk.
    * Counseling of every kind if you are qualified to do so.
    * Do it yourself help desk if you are a tradesman and associated with a store selling items in your field of expertise.
    * Write articles for web masters.
    * Copywriting for newspapers and newsletters.
    * Order taker.
    * Researcher for insurance companies, lawyers, banks and such.

There are many more and these are all legitimate work from home. The first thing I suggest you do is decide, at least temporarily, what you would like to do. Use this as a starting point only.

Here are the steps to finding all kinds of new possibilities along with the assurance that what you end up with are legitimate, honest and christian work at home jobs:

Step 1. Do optimized searches on items you think might interest you. Optimized means in quotes. Your search might look like this: "insurance company secretarial work". The quotes filter out a lot of the trash like spam.

Step 2. The above should of generated some ideas. Now, fine tune your search putting a plus symbol between terms of value to your search. Lets say that the auto insurance industry seems interesting to you. Your search will now look something like this: "insurance company secretarial work+automotive".

Step 3. The above will bring in many results. Now, fine tune some more. You want a laser focus in your search now. The personal injury part of the insurance industry seems to be drawing you now so, you enter a new search: "insurance company secretarial work+automotive+personal injury". Again, more results. The search is narrowing down.

Step 4. You want to find honest work from home so you do a new search which will add the following; work at home+christian+forums: "insurance company secretarial work+automotive+personal injury+work at home+christian+forums".

I have just given you the keys to the kingdom! You may have to make several tries with slightly different keywords, but you will end up on forums which is where birds of a feather congregate to share experiences on christian work at home jobs.

You will find a community of friendly people that work from home that are doing christian work at home jobs. They will tell you where the honest work is, what to watch for and probably have a bunch of new ideas you never thought of!

Step 5. Learn the ways of the World Wide Web. The internet is a vast ocean of christian opportunity. It is available to those who are willing to take the time to learn its secrets.

Physical Therapy Travel Jobs Can Mix Work and Pleasure

If you enjoy traveling in the south, then combine pleasure with work by looking at some available physical therapy travel jobs on different medical websites. Maybe you are interested in the west cost or being in the Midwest for a change. Taking a position like this provides you with the ability to mix work and pleasure. It helps you experience a new way of life for a short period of time.

Some opportunities are in a hospital-based facility, while others provide care in a nursing home setting. Sometimes it is an inpatient setting, and the therapist mainly helps adult patients. Other times it is helping children. The nice thing about physical therapy travel jobs is they tend to be a 13-week assignment. This is ideal if you enjoy traveling around the country. It also allows you to meet new people and see new locations. There is less stress and pressure than a full time position, which is something many appreciate. Plus, it's a good way for a college graduate to get some quality work experience. It's the same for someone who hasn't been in the workplace long enough.

These types of jobs tend to offer wonderful benefits, including medical and dental insurance, as well as life insurance and a 401(k) retirement savings plan. The pay can also be extremely competitive and there are bonuses and incentives for quality work. All of these jobs are covered under professional liability insurance.

Pros:
* 13-week positions are perfect for those who enjoy traveling.
* Extra incentives for quality work.
* Wide range of benefits provided.

Cons:
* It is hard to do if you're not a physical therapist.
* You may need specialized training to work in certain settings.

Physical therapy travel jobs are ideal for those who enjoy traveling and experiencing the country.

Insurance for Construction Jobs Is Extremely Vital for All Companies to Have

A lot of employers don't consider all the of the risks associated with various construction projects, and they need to identify the policies in place that will help to insure the specific risks associated with each job.

To effectively assess the risks posed, an insurance underwriter needs to obtain a full description of the project as well as other essential information specific to the job as a whole. The projected site's location, including its topographical and geographical circumstances, are considered, along with the construction techniques to be employed. The constructions drawings are examined, along with the estimated project completion date; the contractor's knowledge in the particular technique of construction used is also considered.

Material Damage refers to any destruction that accidentally occurs as a result of the contractor, which is an expected part of the construction process. There are many policies that can protect the contractor from this exposure to liability. Contractors Plant and Machinery All Risks, Erection All Risk, Contractors All Risk, and Civil Engineering Completed Risks are some of the kinds of policies that cover the Material Damage that contractors face.

In addition, there is a chance that you will be required to disburse recompense for assertions from third parties for harmed property or personal damage. These claims are covered by Liability Insurance. This type of coverage also includes Workman's Compensation and other types of Employer's Liability, as well as Public Liability/General Third Party Liability.

Under the terms of the contract he holds and indemnity, a contractor may also default. The Material Damage Insurances help protect construction projects from losing money in several different situations. Damages include loss as a result of burglary, theft, fire, earthquake, hurricane, flood impact, civil unrest, riot, or strike.

If a project is not completed on time, the employer may turn for compensation to the Advance Loss of Profits policy. In order to calculate the amount that will need to be covered all of the Contractor's All Risk or Erection All Risk policies will need to be considered. Both of these offer coverage for compensation on personal injuries to third parties, harm done to the project and harm caused with the property as a result of the contractor's negligence.

On major construction sites, many representatives of legally independent companies typically work together. Placating third parties who consider themselves injured is the biggest challenge. The claimants may be staff on the project, owners, sub-contractors, or neighbors that could all be involved.

Hopefully, they will help establish which individuals are actually culpable for their injuries or losses. From there, they will then try to investigate whether the situation was due to someone's negligence. This is what presents the typical public liability or third party.

Public liability policies work by reimbursing the contractor for any amounts that they are legally liable to pay in these situations. This payout will be the compensation paid to the third party for any damages done to their property or any personal bodily injury incurred. In order for a payment to be made, the claim must arise because of the contractor's negligent behavior or because of an accident that arises on the construction site.

The employer's liability is akin to the public liability policy. The difference is that this type of policy allows employees to be compensated by the contractor should their property be damaged or they suffer personal injury. Similarly, these conditions needs to be caused because of nuisance or negligence related to the project.

Legally under the factories act and other regulations, contractors have a statutory responsibility to guarantee safety to all those they employ. This includes employers providing a safe working condition that includes safe pant, equipment and tools for the project. Sufficient supervision by people qualified to do so both on the site as well as for the work is the employer's responsibility.

Claims Adjuster Jobs-Finding the Ideal Insurance Job

If you intend to get a job as a insurance claims adjuster, then you will need a sense of diligence, good investigative skills, and a great sense of humour. People from all over make some of the most amazing claims and it is your job to read the forms, laugh a little, and then seek out the truth of the matter. People sometimes write in a manner that they think is perfectly clear, but which are slightly more humorous than originally intended.

There are, of course, less amusing and more amusing variations of the insurance claims adjuster job. Life insurance claims are rarely funny, and things like flood and fire insurance don't seem terribly amusing either. Car insurance, however, is full of hilarious claims about accidents and their causes that might have a claims adjuster falling off their chair.

Imagine a normal work day, where you are reading claims from people claiming accidents from a variety of causes, ranging from "I lost control when my girlfriend grabbed my testicles" to "a submarine hit my car". (Both of these, by the way, are real claims that were made.)

Of course, there is always the typical claim of that deals with mundane issues such as collisions in heavy traffic, but the phrasing used by many customers is more than enough to start you on your first chuckle of the day. This is including things like: "In an attempt to kill a fly, I drove into a telephone pole." And don't forget the people who blame their car troubles on unknown forces or Voodoo.

The job requires that sense of humour, if you feel that you can handle the thought of people driving off a cliff to avoid a squirrel or into a building as they check the gas prices, or even going through businesses when they forget to put the car in reverse, then this might just be the ideal job for you.

As for the technical aspects of the job, the insurance claims adjuster is the person who investigates the claims that are made, ridiculous and otherwise, negotiate settlements, and authorize payments. Your job is to determine whether the policy that the claimant holds covers the accident or other loss, and how much of the loss should be paid to the claimant. Once you have read the claims form, you will have to conduct interviews with witnesses, police, and hospital staff where applicable, and consult the relevant records held by them regarding the loss.

You will consult with many professional people if you think that someone in the profession can help with your investigation. This might mean talking to a wide range of lawyers, doctors, engineers, construction workers, and more. The information you gather, including video and audio components, is then presented in a report to help evaluate the claim.

If the claim is found to be legitimate, then it becomes your job to negotiate the settlement with the claimant. If it is contested, then it is your job to work within the legal system to protect your company's position. No matter what you find, though, you are sure to find plenty of laughs along the way.

Medical Billing And Coding - What Is The Job Description For A Medical Insurance Specialist?

If you've been thinking about getting a job as a medical insurance specialist you may be wondering what skills or responsibilities you'd need and what the job description is. You may already have experience in the medical billing and coding fields or you may just be starting your research into medical billing and/or medical coding training or be somewhere in between.

In any case there are certain skills and responsibilities that you'll want to have or know about. First of all you may find yourself working alone much of the time so you may need to be able to work independently with ease. You'll need to be able to think clearly and communicate well with patients, many of whom you may need to contact by phone.

You must have high ethical standards as you'll be viewing a lot of personal health and medical information that must be kept private. You should be good working with details and have a good basic understanding of anatomy and physiology and know terminology as well. Learning medical terminology does not take much time and you'll notice a significant increase in your vocabulary overall because you'll be learning a lot of root words.

You'll need to know diagnosis and procedure coding and know exactly how to input data into health insurance claim forms.

As part of your job description as a medical insurance specialist you'll need to know how to code diagnoses, procedures and services for patients. You'll need to know how to operate all the office bookkeeping systems and specialized medical billing software. You'll need to know various insurance rules and regulations.

You may be posting payments and charges. You'll be preparing and reviewing and occasionally appealing claims. You may need to explain how health insurance affects the patient's healthcare and be able to answer a lot of related insurance questions.

Now job descriptions can vary a lot. You may do some or all of these things or other things not on this list. But overall this may give you a general idea what the job description is for a medical insurance specialist. You may also be working in a job that only involves medical billing or only involves medical coding and you can go to school or get training in just one or the other as there are plenty of jobs available in each field.

You can find jobs for medical insurance specialists or medical billers and medical coders at healthcare providers, for insurance companies, government agencies, and medical billing services or for large health or medical clinics or doctors' offices. You can also work as a consultant, teacher, writer or start your own medical billing company or service.

In any case you'll need training in medical billing and coding to become a medical insurance specialist whether you get it 'on- the-job' or more formal training in a school or online school or through an online program. There are many different ways to get your education and training and lots of federal money available for financial aid whether on campus or online in the form of loans, grants or scholarships to save you money.

Insurance Adjuster Job Secrets

Insurance adjusting is a task which people who is working in this task have responsible for managing the initial claim that has been charged when an auto collision take place, or a hurricane or damage in someone house. Insurance adjuster jobs have more responsibilities and experiences. If you prefer to be insurance adjuster jobs, you have to work with an honest one, and so you will be pleased.

Present person and businesses commonly purchase insurance policies which will protect them from damage because of natural disaster or uncontrollable subjects, like a car collision. Insurance adjuster is a really various profession, because there are a lot of responsibilities which have to be made and fulfilled. These jobs are needing and stressful.

As insurance adjusters, you have to be kind of an investigator. Insurance investigators run a more active role in determining if fraud is happening. You will look into evidence, produce conclusions on claims after burglaries, automobile accidents, and fires. Photos of damage can be taken by these insurance investigative professionals.

The project which is made by insurance adjusters and examiners is interesting. A lot of times are spent in the field. They treat evidences which can lead to a really deserving family acquire the income to survive as their loved family pass away. As insurance adjuster, you require a very good negotiation skills and very good time management skills. If you are being in the working environment for insurance claims agents, agents of insurance investigators can be stressful.

Evidence must be accumulated and you have to realize the manner and what for you explore. Insurance investigators will conduct interviews and stakeouts to try capturing a guest falsifying handicap claims or staging accidents for having monetary gain. Fire examiners, witnesses and medical examiners can be interviewed to accumulate evidences. Police, hospitals, witnesses and other individuals will be interviewed by insurance adjusters in order to be sure that the insurance company disburse properly and that the victim is compensated adequately.

Primary word working, computer program and applications will be wanted for this job. Mathematics, consumer law, English and technical language, business grades also are substantial in this job. Commonly insurance companies are exploring people for these positions with wide experience in the insurance and claims field, and having a bachelor degree. A bachelor level usually is had by most insurance claims examiners. Those claims agents are hired by agencies with a more advanced education.

While you know in insurance adjuster jobs does not have formal training requirement in order to exceed the profession. The barriers to entry to the profession of the claims adjuster will diverge. I thought you may be interested in reading some of the bullet points contained in this post about guaranteed life insurance and liability insurance for small business.

Career Scope of an Insurance Agent

In the US, insurance no doubt, has a prominent role to play in people's lives. We need it to protect our lives, our livelihood, our property, our jobs, our health, our medical bills etc. Since this is such an indispensable part of our lives, it accurately hints at the growing prospects of the sunshine career-insurance.

There are more and more insurance companies in the market, battling for their share of the market share. But the ones that will actually stay are those that provide exceptional service. So it all boils down to the insurance agent who does his job well. Though there is enough brainstorming done by people at higher levels, it is the agent who actually sells insurance and brings profit to the company. So the insurance agent is decisive to the success of an insurance company.

There are bright prospects for these people in this industry. People can work for insurance as agents for the company and come under their payroll or work in a freelance basis. Also known as insurance advisers, these peo can select the kind of insurance that they like to sell; it is not enforced on them to sell life insurance only, unless they are specifically for a life insurance company. Apart from selling, they have to prepare reports, maintain records etc. They are also responsible for helping people in making claims for their policy.

In fact, the sensitive nature of the insurance agent in helping out a person with his or her claim is something that makes him popular among people. To sell is half the work, to remind people about renewing their insurance and helping them with the claims settlement is the other half of the job.

It is up to you to go for the insurance field that caters to your interest. For instance, if you selling life insurance you can also sell health insurance. There is something called 'critical illness insurance' which can come as a rider along with life insurance or it can be a separate form of insurance altogether. You have to explain this point to the people and be transparent about the benefits and exclusions in the insurance.

Insurance are now also being looked upon as an investment vehicle. So you can also teach or guide people in financial planning by helping them select the right unit-linked policies, pension schemes and other investment plans.

Compared to most countries, insurance is given a lot of importance in the US, which augurs well for insurance agents. Best performing agents have broader market penetration and a lot of goodwill in the market. There have been success stories of many insurance agents who have risen swiftly up the corporate ladder or even started their own independent, lucrative freelance insurance businesses. If you wish to be an insurance agent, go to an online job portal, fill in your details, your most likely specialization, your skill-set (communication, writing etc) and you will definitely find a lucrative post in a good insurance company.

Insurance Underwriter Jobs - Are You Interested in Becoming an Insurance Underwriter?

Insurance companies are responsible for protecting individuals from financial losses as a result of injury or illness, and an underwriter will calculate the premium that a company should charge in order to write a claim. An underwriter may consider health, family history, and age, in addition to the past history of the applicant in order to make a proper determination of how much the insurance company should charge the client.

Most Insurance underwriters will now use computerized systems and government data in order to calculate the risks that an individual presents to the insurance company. The Internet has revolutionized the industry, as most individuals are now able to use online databases in order to gain real time information on policy quotes.

Underwriters may specialize in a particular area of insurance work, which can include health, life, and home, among others. It is becoming increasingly common for insurance underwriters to specialize in group contracts, often for corporations or unions.

Policy writers will also have to be familiar with a number of risks and different packages of insurance to offer clients, and estimating the risks of an entire corporation with many employees can be stressful.

These professionals will typically have comfy jobs, working a 40 hour week, and there are no formal educational requirements to gain employment in this field. Most insurance companies prefer that an underwriter have a bachelor's degree in finance or accounting, but some may simply learn on the job.

In 2006, these professionals occupied over 100,000 jobs in America, with most working in insurance branch offices around the country. Job growth for underwriters is expected to grow slowly due to advances in computer technology, which automates some of their traditional work.

In 2006, the middle 50th percentile of underwriters earn between $40,000 and $70,000 a year, with most receiving good benefits such as retirement plans and health insurance.

Independent Insurance Claims Adjuster - 4 Steps to Become a Cat Adjuster

Independent catastrophic claims adjusting or "cat" adjusting is an exciting, lucrative, and relatively unknown occupational niche in the insurance industry. When disaster strikes, cat adjusters or "storm troopers" answer the call to assist insurance policyholders in recovering from their losses. The work is challenging, personally fulfilling and can be surprisingly profitable. Follow these 4 steps to become a licensed, trained, ready-to-deploy cat adjuster:

#1: Obtain Your Adjuster License

It is highly recommended that you obtain an adjuster license as a first step in this career. Obtaining a license demonstrates to hiring companies that you are a legitimate applicant, that you know the basics of claims practice and policy, and that you are legally certified to handle claims in the state you are licensed in. As a general rule, it is best to first obtain a license in the state of your residence. Many states, however, do not require a license to operate as an adjuster. Kansas, Missouri, Ohio, Pennsylvania, and Virginia are but a few examples. In this case it is suggested that you obtain either a Texas or Florida adjuster license. Both licenses are very well respected and highly reciprocal - meaning you can obtain other states licenses with them without having to take that state's exam or required coursework. Texas and Florida adjuster pre-licensing courses, which satisfy all requirements for obtaining their respective state licenses, are available in either a classroom or online setting. Course tuition will average $299 for online and $499 for classroom. After the course has been completed and you have submitted your application to the regulating authority, you can expect to be a licensed adjuster in just a few weeks.

#2: Obtain Critical Adjuster Training

For those making career transitions from the residential or commercial contracting industries, supplemental training may prove unnecessary. But for those who have little previous experience with construction, loss analysis, estimating software, and standard methods of repair, it is tremendously helpful to undertake some practical training. Probably the most important training a newly licensed adjuster should consider is Xactimate training. Used by roughly 75% of independent adjusters, Xactimate is the most popular estimating program today. Others, like MSB IntegriClaim, have their place, and may be preferred by particular insurance carriers. Still, Xactimate is accepted by more carriers than any other and is the best place to begin learning software estimatics. Courses, ranging from 1 to 5 days ($400 to $1,200) may be taken and courses taught by actual claims adjusters ought to be preferred.

#3: Find a Job

Becoming an adjuster doesn't make sense unless there is work to do. While ultimately there is no silver bullet (outside the handy personal contact) for finding work, understanding the employment landscape will go a long way towards helping you land a job.

Understanding Demand
The bottom line is that the demand for independent adjusters fluctuates greatly and depends on the frequency and severity of catastrophic weather events. In 2005 and 2006, in the wake of Hurricanes Katrina, Rita, and Wilma, finding work as a cat adjuster was almost as simple as raising your hand. 2007, however, saw surprisingly clement weather and did not produce many claims. Adjusting companies consequently could afford to be far pickier in their hiring process. 3 to 5 experience requirements became common and job prospects were bleak for new cat adjusters. At the time of this article, the 2008 storm season has been extremely tough on the Midwest with flooding, hail, and tornado. And with the anticipation of a potentially huge hurricane year, adjusting companies are scrambling to fill their deployment rosters and are relaxing experience requirements in order to do so. Because demand is weather driven, timing is crucial in finding work as an independent adjuster.

Who do I Work For?

It isn't always correctly understood who cat adjusters work for. Lets clear this up. Technically, and for tax purposes, an independent adjuster is an independent contractor that works for oneself. Work is typically obtained, however, through adjusting firms that in turn contract with insurance companies to handle claims. For example, after Hurricane Katrina, insurance companies didn't have nearly enough adjusters on staff to handle the massive influx of claims. Acme insurance company, as a theoretical, would then give out 10,000 claims to be handled by Pinnacle adjusting firm. Pinnacle adjusting firm in turn hires individual independent adjusters in sufficient numbers to handle the 10,000 claims. Those adjusters who work efficiently and with little oversight (babysitting) get the most claims from Pinnacle. So, if you are looking for a job as a cat adjuster, you should be looking towards getting on with adjusting firm.

Where do I Look for a Job?

There are several useful adjusting firm directories and social networks that keep you apprised of adjuster job listings. Adjusting firms maintain deployment rosters of qualified adjusters who are eligible for being put to work in the event of a catastrophe. A new independent adjuster should aspire to join as many rosters as possible. The ultimate goal is to have a steady stream of invitations to work which can be accepted or declined at your discretion. Remember, you are your own boss!

#4: Maintain Your Good Standing

Staying on top of Continuing Education (CE) requirements keeps you in compliance with your adjuster license and also gives you a legitimate opportunity to advance your knowledge base and skills as an adjuster. CE opportunities abound in both online and classroom form. Failure to maintain CE compliance can result in very steep penalties and forfeiture of your license. Considering the ease by which most states' CE is kept this should be easily avoided.

Insurance Manager Jobs - Life Insurance Managers' Salary & Job Benefits - A Downfall

Life insurance manager jobs project a visual image of prestige, high salaries, and great job benefits. In reality the second level insurance manager jobs, that of life insurance managers, do not materialize into what many think. Here are reasons to say no to becoming one of the life insurance managers of a sales team.

Any life insurance company has one major motive in mind, and that is profit. When a new branch career office opens it places in a General Life Manager with a guaranteed a salary plus production bonus This article will explain how other insurance manager jobs work differently, like that of the life insurance managers.

A new sales manager is led by a carrot into thinking he is part of the company established money machine. HE IS NOT.

WHO IS ASKED TO BECOME A LIFE INSURANCE MANAGER? The office general manager needs sales growth, and having 2 sales training managers are better than one and 3 are better than two. So here is the start of the hunt to fill these insurance management jobs. If you have true sales ability and are making sales consistently, the general life manager is already scouting you out. This is especially true when he starts to give you the company call in leads for some really easy sales. (an initial sublime bribe) After 2 years experience, you are wined and dined by the general manager, and asked if you would like to make a big career jump to a insurance management job. You could be the next life insurance sales manager.

As an insurance manager, you will have a base salary, plus additional sales production income tacked on. In addition, you will no longer have to go out and personal scrounge up new business. This means personally no longer making cold calls! Health benefits are often provided. Then the big career ego blockbuster is laid out. The company will be expanding, and the new office general life managers chosen will be from the current life managers working for the company.. That is an offer few insurance representatives could resist.

WHAT A PROSPECTIVE LIFE INSURANCE MANAGER IS NOT TOLD. The sales company home office will benefit off every agent you hire, especially those that are productive then leave. When your agent leaves, your production bonus stops completely. The sales company takes over all money yet to be collected on the sales your leaving agent made. The general manager upon your first couple agent loses comes up with a "new plan just for you". He hands over a couple of mediocre in house agents, (those who no longer have a sales manager) and puts them on your sales team. In addition he is going to budget funds for the next couple months in the local Sunday newspapers to haul in enough new interviews to build your staff even quicker. Some weeks you will find your insurance manager job bombarded with interviewing a dozen prospective new representatives...

YOUR DUTIES AS THE SLICK NEW SALES MANAGER. Instead of a cubicle you get your own private office with a nice desk and chair. Your main duty is to recruit enough reps to always have at least a dozen. Ads portraying an insurance professional sales person with freedom in hours and unlimited income capacity always draw in lots of interested employed and unemployed people, some single, some with a family. Next as the leader you must license prepare them if necessary, plus get them to memorize the home office sales script. The hard part is budgeting your time. Your do not want to work 13 hour days, but recruiting and in office pre-training eats away lots of time.

Your insurance reps need their life insurance manager to spend enough time to train them outside the office. This means working with an agent on 3 straight appointments, and selling by example. You receive no instant compensation on the sales, but it will count towards your monthly bonus. You have the inside pressure of being the best sales manager in your office to ever move upward. SO YOU CHEAT. Often you will take the all important closing stage away from your struggling representative, and close the sale. It chocks your salesperson a sale, and a notch upward for you.

However the promotion to get your own company sales office never materializes.

HOW YOU REALIZE BEING A SALES MANAGER COSTS YOU. After 6 months of being a sales manager you stop blaming yourself when a sales person decides to head elsewhere. You then start up new insurance reps and help them get sales. However your office general life manager is now rarely handing any leads your way. As a result you put pressure on new agents to approach any relatives or friends to give presentations to. Your monthly income does not shoot up, despite all the sales you are closing. The base salary remains the same and because of 70% or higher first year agent turnover, your bonuses remain fairly level. The insurance management jobs prestige is quickly fading.

BACK TO SALESPERSON. When you tell the office general life manager that you want to sacrifice your sales crew and go back to selling on your own you are surprised. His face is unemotional. Unknown to you, he has already picked out your replacement and will entice his newest manager. The new life insurance manager will have some of your sales crew to him to get launched.

The best part for you is that by going out on so many sales presentations, you improved from being a good closer to being top notch at closing sales. Therefore immediately your commission income exceeds that of your salary income when you were a manager. In reality all the upper experience did, was make you see that can not cookie cut out insurance reps. Instead depending on your sales abilities always works best. Later you wil find that second level insurance manager jobs rarely pan out. Instead when you go independent, your manager job is managing yourself, a rewarding opportunity.

Insurance Agent - Career Options

The insurance job market is on full swing as it is one of the hottest career options of 2010. People today are financially aware about insurance, they have access to resources (read the Internet) which tell them how to make comparative analysis between various insurance products. This means, insurance companies by themselves have become very competitive, are looking for hiring the best talent that can give them a higher market share.

General insurance companies and life insurance companies recruit people who have the go-getter attitude and confidence to explain to people about their insurance products. Training is provided but it has always been seen that the text book approach has limited effect. The insurance agent has to be a people's person, give a plan that can work best for the customers.The plan should be so good that the prospect should get 70 percent idea from looking at the plan. The insurance agent can clarify and confirm a few additional questions that the prospect may have. So, it is very important that the insurance agent has a good knowledge of the plan he is selling, the inclusions, the coverage amount, investment returns (if any) the exclusions, disclaimers etc. The agent is paid a handsome salary and there are commissions for targets met or exceeded.

Life insurance companies employ freelancers, retired people, students and part-time professionals to work for them. People who are selected are given adequate training and company material which they can use while showing plans to people. Life insurance is basically a thing of trust and though people should go by rationalist thinking, our human nature makes us say 'yes' to people whom we trust. This is the reason life insurance companies ask freelancers to work for them, so that they can reach out to their near and dear ones and show them the insurance plan.

Of course, there are good number of perks and financial incentives. There are many people who have earned a sizeable amount of residual income which runs into more than five figure through life insurance, as freelance life insurance agents. The insurance agent's career can be lucrative and self-fulfilling. The field of insurance is such that an individual has unlimited earning potential, there is no capping of income, you can earn as much as you want to, if you are good at your job. For the person who is working in an insurance company, he can steadily climb the corporate ladder if he or she is good at the job. Also it is recommended to have an MBA or a financial degree, because that definitely helps you in getting a high position in the company. You can also take independent insurance agency jobs as a freelancer where you can work for multiple insurance companies as you are not officially employed by them. You definitely up your stakes to get higher income here.

Apart from this, the pleasure of being self employed as an independent insurance agent is quite satisfying. However there is a downside because you have too many insurance carriers in your hand, and you have to take that extra effort to get training and become abreast with the latest developments happening with every insurance company that you are working for. If you can do it, then nothing like it! An insurance agent can be expected to earn between $30,000 to $40000 in the start and then move to $40,000 to $70,000 mid-career with people having good amount of experience can earn more than $100,000

Insurance Fraud Investigator Jobs - Careers Explained

Insurance fraud investigator jobs are an important job within an insurance company because it is their duty to determine if a claim has been made under false pretenses. It is a career with a good future job outlook that can take you all over the world or allow you to stay in your hometown if you desire. A variety of degrees, including criminal justice, can prepare you for this career. With so many career options and a great job outlook, choosing to become an insurance fraud investigators is a sensible choice. But just what does an insurance and fraud investigator do?

Unlike careers in art, education, health care and other fields, there may be some negative connotations to insurance fraud jobs. This is why it is important to have the right career information to determine if it is the right job for you. An insurance fraud investigator may be responsible for investigating disability claims where individuals say their mobility and/or quality of life is limited due to chronic pain. Since pain is hard to prove medically, much falls on the investigation of the investigator to determine if the individual is eligible for disability payments.

After getting their degrees, insurance fraud investigators might go to work for an insurance company full time. On the other hand, some insurance and investigators may choose to work on a contract basis as a private investigator. When an insurance company has a case they want investigated, the insurance and fraud investigator will usually start with some background information such as personal contacts, addresses, previous claims (if any), and the nature of the current claim. Once the file has been reviewed, the investigator might even do some surveillance work to ensure that the individual has actually lost the functions they claim they have lost. This will involve the use of equipment such as video and still cameras.

Most insurance fraud jobs in this field require working with insurance lawyers or consumer fraud lawyers in the cases where an individual has been found to be providing fraudulent information. It is important to be accurate, professional, thorough and skilled to have success in this challenging and demanding criminal justice career.

Work from Home Opportunities in Insurance - Is It Really for You?

Most people think of insurance agents as individuals who MUST travel from one place to another in order to sell insurance policies. But that was before the advent of the Internet. Nowadays, you can work from home in the insurance industry and earn a considerable amount of money from it as well.

Key Areas for Work from Home Opportunities in the Insurance Industry
There are primarily three types of insurance that you can sell from home:

Life, Health, or Medical Insurance - You're basically selling insurance for future payments for health and medical costs.

Car Insurance - As the name already suggests, you're selling insurance for automobiles. Car insurance provides car owners protection in cases of natural and man-made disasters.

Travel Insurance - You are selling temporary life, health, and medical insurance as well as protection from all sorts of accidents for people who are traveling abroad.

There are other types of insurance that you can naturally sell as you work from home in the insurance industry, but if you're looking for a niche market and something relatively easy to break into, it's best that you focus on any of three specified areas.

Are You Suitable and Qualified to Work from Home in the Insurance Business?
It's easy to say that you want to work from home in the insurance business and start dreaming about big bucks, but in reality, there are some requirements that you must satisfy first before you can proceed to fantasizing about your future income.

KNOWLEDGE - You don't have to be a doctor to sell life insurance, but it's infinitely preferable that you know a lot about cars if you want to sell car insurance and ditto for travel insurance. You'll be better able to assuage any concerns of your clients if you understand what they're talking about.

If it's car insurance, for instance, you need to be able to explain why you can't provide basic insurance for a sport car and persuade your client as well to upgrade to the appropriate policy. If it's travel insurance you're selling, you need to explain why you're charging a lot if he wants to fly to Afghanistan.

COMMUNICATION SKILLS - Work from home opportunities in the insurance business are great essentially because they require little, if any, financial investment from your part. If there's something you have to invest then it's just your voice and how well you communicate your client. If you don't a talent for speaking - indeed, if you don't love talking to other people - then selling insurance policies isn't the right job for you.

Advantages of Working from Home in the Insurance Industry

High Commission Fees - Although the commission fee you can expect from selling insurance contracts is in no way near to the biggest bonuses in the real estate business, they still promise more money than you would expect from working in an office day job.
No Boss, No Time Requirements - If you decide to work from home in the insurance industry, rejoice because you can finally say goodbye to the life of an employee. From now on, you are your own boss and you can work only when and what time you want to. And you don't even have to quit your day job if you don't want to!

Social Benefits - Working in the insurance business, whether it's from home or in an office, always allow you to meet different types of people and have new friends at the same time. The various personalities you'll come across will easily keep your job interesting day in and day out.

How to Prosper from Work from Home Opportunities in the Insurance Industry

Having a large network of contacts may not be necessary, but it's definitely an advantage and gives you an edge over other insurance agents. A person with two friends can give at least two referrals while a person with four friends can easily give twice as much.

Having a pleasing countenance doesn't hurt either because most people feel more comfortable talking to an attractive looking person. If you've got great looks, this is definitely one job where they'll be to your advantage.

And lastly, if you really want to work from home in the insurance industry and prosper from it, you need to dedicate lots and lots of time to it. Insurance deals will usually require two to three meetings before they can be successfully closed so that means meeting with each and every client at least twice.

When Part-time Jobs Don't Offer Health Insurance

Many Americans choose to work part-time jobs for a variety of reasons. Perhaps you've just enrolled in college and have chosen to attend college full-time and work part-time in order to graduate sooner. Maybe you've chosen to work part-time in order to devote more time to your home business. Maybe you've decided to work part-time in order to spend more time with your children. Perhaps you've opted to work a few part-time jobs instead of one full-time job because you like the diversity or you just can't find a full-time job for which you're qualified or enjoy.

See? There are so many reasons American choose to work part-time jobs.

Despite the perks part-time jobs offer, there are some downfalls, too. One of the major downfalls of working a part-time job is many part-time jobs don't offer health insurance. This is usually because employers don't feel their part-time employees invest enough time in the company to compensate for the cost of health insurance. While this makes sense, it does little to console the part-time employee.

Americans who work part-time jobs that don't offer health insurance basically have three ways to get health insurance: their spouses can add them to their health insurance policies, they can buy into a group health insurance policy, or they can purchase an individual health insurance policy.

It's true that individual health insurance policies are often more expensive than being added to a spouse's policy or buying into a group policy, they are also sometimes the only choice part-time employees have. After all, not everyone is married, and not everyone belongs to an organization that offers health insurance policies.

If this is your situation, you can lower your individual health insurance costs by minimizing coverage, raising deductibles, and paying annually rather than monthly. Shop around for an individual health insurance policy that offers the lowest rates that can be paid annually for only the coverage you need.

Compliance Jobs - Could You Work In Insurance Compliance?

In the insurance industry, one of the most important jobs is in compliance. Insurance agents have to ensure that their customers have the right insurance for their needs, as well as making sure that the terms of the insurance companies are met.

When a company or business looks for insurance, there may be a set requirement for insurance on their lease or loan for the business. In these cases, lack of the proper insurance can result in them losing everything.

On the other hand, insurance companies require a specific type of insurance for different types of businesses. For instance, if an insured company is high risk for theft, then they require much more theft coverage insurance as well as a higher premium to cover the potential losses.

Compliance jobs in the UK are common. The people in these kinds of roles spend most of their time ensuring that the regulations of the insured party are met, that the terms of the insurance requirements on their lease or loan are met and to ensure that the insurance company's terms are met. Compliance jobs also entail finding the right policy and insurance company for the company wishing to be insured. At times, it can be difficult to find the proper insurance for a customer.

Compliance issues plague many an insurance company or brokerage--there are times that the agent or broker simply can not provide the right levels of insurance and keep it cost effective for the customer. It can be a telling tale of the industry that is chosen--if insurance is difficult to acquire, it usually means the risk is extremely high.

High risk equals high premiums in the insurance industry. There are businesses with premiums that are so astronomically high that it's almost redundant for them to have any insurance at all--however the compliance laws within their company, country, organization, lease or loan agreements show that they must have insurance--and the proper kind or face possible legal consequences.

One of the most common insurance compliance issues is for vehicle owners, all around the world insurance must be kept on vehicles at all times. Failure to present valid insurance when asked for by law enforcement can have you facing an extremely steep fine. It is essential that if you are the owner or operator of a vehicle that you have proper insurance on your vehicle. Again, if you are leasing your vehicle or have a loan or lien on your vehicle, then you may have insurance compliance rules to follow as well, which usually incorporate a lot of insurance to prevent loss in the event of a collision or accident.

When to Avoid Fraudulent Medical Insurance Work From Home Jobs

Getting a job concerning medical insurance on work from home jobs is a practical choice these days. Among the many home-based opportunities available, working as a medical insurance agent through a work from home job is quite profitable. But the question lies on whether this type of work at home job is legal and reliable. Many home-based businesses may attest that they can deliver quality products and services and can even give you reliable sources of income. And as long as you can do the job well you can get income plus commissions.

With this, many people are enticed to quit their day job and try working at home. The wonders of technology have created various options for people who can no longer meet both ends while working at their day job. With telecommuting or home-based jobs and business, more and more people can earn money without having to leave the comforts of their home. No wonder working on medical insurance work at home jobs have become so popular.

Nevertheless, not all work from home jobs were created equal. Processing medical insurance claims are serious matters as well. Hence, it is best that you know how to choose a home-based business that can give you a good medical insurance work at home job.

Here is a list of some warning signs that you have to watch out:

1. Look for no start-up rates

One of the most common signs of getting into an illegal activity, which focus on providing medical insurance work from home job, is to compel collection from the person concerned. If you are being forced to purchase something from them, chances are, that company is simply good for nothing.

In most cases, fraudulent work at home jobs will insist on purchasing paraphernalia such as software programs and other items needed for the work at home job. There is nothing wrong with that to some extent, but what is wrong is when these items are being sold at very steep prices.

2. Training sessions

Since you will be working in a medical insurance work from home job, most scammers will ask you to undergo special training sessions. These sessions are required to certify you that you are eligible to work in this kind of environment and that you would be mostly working with health care professionals, hence, a certification will be needed. The drawback: these training sessions are very costly.

3. Work coordination

Most fraudulent medical insurance work from home jobs will tell you that your work will be synchronized with an insurance company through a special device known as 'central computer'. With this, your work will seem professional enough, letting you think that everything is supervised and done legally.

In the end, no central computer backs you up. No affiliations with a certified insurance company. And worse, your medical insurance work at home job is nonexistent.

4. Pressures! Pressures! Pressures!

A fraudulent work from home job will not just urge you to join their workforce but will insist that you do the work without more ado. In turn, you get confused, cannot think straight and may end up deciding without being able to check if the job is authentic or not.

These things will surely give you a hint that the work at home job you are about to start with is a definite fraud. Things like these will surely put you in a hot spot with your customers. There will be no way you can deliver the services that you have assured to them. And whether you like it or not, you will be doomed because you are the person in the front line.

Getting Out of the Fraud

Do not let this thing happen to you. Never wait to get yourself out of the fraud. It pays to stay informed and learn to detect and avoid fraud as early as possible. You can simply start with evaluating each work at home job you encounter. The number rule is that if the idea seems too good to be true, it probably is. So better stay out of it.

Employment Working Insurance Fraud Investigator Jobs

Maintaining a full time career working Insurance Fraud Investigator Jobs is not easy. It is a job that involves tracking down scam artists who are trying to steal from businesses, the government and anyone else in their path. Although the work itself may mean having to work long hours and deal with high stress situations, being a certified insurance fraud investigator serves as a very rewarding career for those who take fighting crime seriously.

With the rising numbers of fraud related crimes in the insurance industry, there seems to be an over load of work for those employed in the field. This is creating an influx of new fraud investigation employment vacancies with many lining up to fill the positions. We can see this in many areas of insurance related fraud such as:

- Workers Compensation Fraud: Involving those who make false work related injury claims and try to collect pay outs. Faking a back injury is one of the most common examples where those faking are unaware that they are under surveillance, being filmed lifting heavy items when claiming they are unable to work because of their injured back.

- Arson Ins. Fraud: This job, made popular through movies, involves investigating and determining the cause of fires. Many times fires are set purposely in order to receive insurance claim pay outs for damages.

- Automobile Ins. Fraud: There are many insurance fraud cases involving drivers claiming damages not caused by initial accidents. As well, staged accidents in order to claim auto insurance pay outs are very common.

- Life Ins. Fraud: Unfortunately, there is a high number of homicide cases centered around life insurance claims. It is up to the skilled fraud investigator to solve the case and bring the con artist to justice.

The world of insurance investigation remains a vital component for many businesses within the insurance industry. The amounts lost due to this form of fraud is in the billions of dollars. Without the vast number of individuals working insurance investigator jobs, most outfits would have to close their doors due to the overwhelming losses. It is sad that we live in a world where people think they can get a free ride. However, for those caught committing these crimes, the free ride turns into a free jail cell.