Tag: United States

possible career options in the insurance industry

Do you want to make a career in insurance industry? There are ample opportunities for success and prosperity in the insurance industry. There is always a demand for insurance professionals as insurance is a trillion dollar business, where 3 million people are employed in the United States alone. Go through this article to know about possible career options in the insurance industry.

5 Possible careers in insurance industry

There are several options to make a career in insurance industry. The options are discussed below.

1.Insurance agent and broker: Insurance agents and brokers usually sell insurance policies. They are the ones whom you need to contact when you want to purchase a policy. The responsibility of an agent and a broker is somewhat same; however, a broker usually sells policies from several companies whereas, an agent usually sells policies from a specific company. Insurance brokers and agents tailor programs in order to fit individual needs of their clients.

There are independent insurance agents who work on a commission basis. However, there are also salaried agents who may or not get commissions for a sale.

2.Insurance underwriter: The primary job of an underwriter is to decide whether or not to accept an individuals application for the required coverage. An underwriter actually weighs the risk associated with a person or an entity. These insurance professionals write policies in such a way so that it becomes profitable for the company in the long run.

3.Insurance actuary: You can become an insurance actuary if you want to make a career in insurance industry. An insurance actuary is actually a financial analyst, a forecaster and a planner. Their job responsibility comprises of studying the frequency of events that cause losses along with calculating the chances of the recurrence of such events. The actuaries also calculate the cost of the resulting injuries and damages and recommend what price to change in order to insure against the probable risk.

4.Insurance adjuster: It is the responsibility of the adjuster to inspect the destroyed or damaged property. They also estimate the cost of replacement or repair and also assess whether or not the particular loss is covered by the policy. The adjusters sometimes need to negotiate with the policyholders in order to settle a claim that is genuine.

5.Risk manager and loss control specialist: A loss control specialist usually work with large insurance companies and associations. They design programs in order to prevent the losses before they occur. The job responsibility of a risk manager is somewhat same as a loss control specialist, only difference being that a risk manager works for a corporation instead of an insurance company.

It is the primary duty of the insurance professionals to look after the benefit of the company they are working for. You also require dedication and a sound knowledge about insurance in order to make a career in insurance industry.

The importance of PPE has always been ignored, but the truth is that it has been instrumental in saving the lives of millions of workers in the United States. PPE or personal protection equipment refers to the protective gear worn by workers during hazardous operations, which can be dangerous to their health and safety. This practical solution will minimize the risks of workplace related injuries, accidents or infections.

Hazards are always there at a workplace no matter what industry you are working in. Even dust or debris could hurt or damage your health if you are not protected while working. Personal protective equipment acts as a safeguard against many hazards prevailing in workplaces like fire, hazardous chemicals or dangerous objects.

For people responding or those participating in cleaning hazardous chemicals, a special gear is required to protect them from the harmful chemicals they are handling. Anyone who comes in direct contact with a hazardous chemical spill must use personal protection equipment. It allows employees to avoid hazards and properly clean the toxic substances without the fear of being exposed.

The training on how PPE can be correctly used and the focus on each component of PPE execution is covered in the 40 hour HAZWOPER training course. The very first step that each participant will learn is to choose the correct equipment to protect themselves. Improper selection of protection equipment has been known to result in irreversible harm to the workers. OSHA has put out a few requirements when it comes to the selection of personal protection equipment. The equipment must be marked only to recognizable manufacturers and must be capable of withholding any damages or infection. Those PPE which do not meet the OSHA guidelines must be avoided.

Again employees must be properly trained on how the PPE can be used. HAZWOPER training courses will provide a segment on this issue but a hands on experiment is often left out, especially with online training. Online training would provide a detailed information on the importance of PPE and on how it can be used, but OSHAs guidelines require workers to be trained with actual equipment in a course.

The use of PPE in any industry is a necessity rather than an option especially when workers are exposed to hazardous chemicals. It is the responsibility of the employers to make sure workers are well educated on the personal protection equipment.

The Philippine call center industry has truly grown in the past year. This is because the Philippines offer all that outsourcing offshore businesses need. First and foremost of these is the available competent workforce and relatively lower cost of labor as compared to an onshore operation. The industry has developed well and lead race in the global outsourcing industry. Every since the industry was went full swing in 1999, there was no turning back in development. A significant number of such businesses established in India moved or branched towards the Philippine archipelago when the large potential for the countrys geographic location was realized.

So are you Ready to Work in a Call Center?
Call centers, also called contact centers are great places to work in especially since one does not need any specific degree to get into one. A lot of Filipinos, according to surveys, have college degrees. However, you could have either finished mass media or nursing and it would not matter. All you need are the right skills especially in communicating with people and you could get hired right away. The best part about getting into this kind of career however, is the pay. This industry offers highly competitive salary rates even for the entry level applicants. This is why the call center has so many applicants.

However, it is not all fun and games. There are also a lot of challenges that one must face when getting into a career as a contact center agent. So what exactly are these challenges?

Challenges of Working in a Philippine Call Center
There are many challenges to working the contact center conditions. Filipinos basically love to wake up early in the morning to work (as opposed to say people in Hong Kong where the night is alive and people sleep till almost noon). But this will have to change because the call center industry requires one to work during the night. This is of course because the Philippines is almost at the opposite end of the globe to the U.S. where most of the customer calls will most likely come from. Thus, the time differential is immense. Day time in the United States is Night time in the Philippines. Conversely, night time in the Philippines is day time in the U.S.

There some dangers to working at night that one should first be aware of before considering going into the contact center industry game. Remember that the body has a natural circadian rhythm also commonly called as ones “body clock.” The body biological clocks time was determined by billions of years of evolution. Reversing this can have bad effects to some people with weak constitutions who cannot adjust well enough. Those with bad respiratory problems will exacerbate their problems. But those with heart diseases should not even consider going into such a career.

Other than these, working in a Philippine call center can be fun and comfortable if one can adjust well enough. The pay is good and there are always good medical benefits such as health cards.

If you are in need of an AFO brace, then you need to visit the best AFO brace manufacturer in the industry, at bracemaster.com. Bracemasters has been around since 1997 serving the United States, and has just recently taken the business worldwide. In order to be the best, you have to provide the best, and that is what we strive to do. We keep up on the latest technology in order to provide the best AFO braces available.

Bracemaster.com has just opened a new high tech facility that will be used to construct the most comfortable and functional braces available. Using the most up to date scanning technology, Bracemasters can produce a custom fit for every person. This will save time on fitting the brace to your patients. Every brace is guaranteed to be a comfortable fit.

Bracemasters can accommodate a variety of different requests and can offer suggestions on more difficult situations. We are the best in the industry because we will learn what you like and do not like. The best AFO brace manufacturer can fabricate even the toughest AFO brace needs, including pediatric and PTB AFOs. Our AFO braces are made from orthopedic grade plastics and will be made to your specifications.

Bracemasters has earned the reputation as being the best AFO brace manufacturer in the industry, because of our team of talented, technical professionals. Working with doctors and patients worldwide to provide the best brace for every situation. There are a large number of options available, that will cover every need you may have to give your patient the best results.

Transportation of discarded mattresses to the mattress recycling facility is one of the largest cost centers of doing business and is quite complicated for a sole proprietor running the mattress recycling facility. That sole proprietor has his hands full focusing on recycling mattresses in his facility. In today’s business world these necessary but difficult and labor intensive tasks are often “outsourced.” While the United States policies which have resulted in millions of American jobs being sent off shore under the label of outsourcing has recently gained negative opinions – the work at home cottage industries have thrived for centuries.

Going back as far as the 1400s the putting-out system or the workshop system or the domestic system were manufacturing models where jobs were contracted by a single manufacturer to subcontractors who completed the work in their own facility, usually their own home.

This subcontracting served as a way for manufacturing entrepreneurs to have subcontractor workers work in their homes manufacturing individual articles that when finished were brought to the contractor’s central place of business, such as a marketplace or a factory in a larger town, to be assembled and sold as finished goods.

These cottage industries flourished in the European cloth production as well as in various other industries, including the manufacture of wrought iron ironware such as pins, pots, and pans. The the manufacturer frequently provided the raw materials to their subcontractors to process in their homes.

Then, as now, the cottage industry conducted in individual’s homes had a lot to do with people’s desire to work at home rather than in a centralized factory or other location. Normally, instead of mass produced products, these home based businesses focus on unique or distinctive products in niche markets where large manufacturers can not find an economy of scale. When economy of scale can be achieved, then the cottage industries face serious competitive disadvantages from large manufacturers.

Currently, workers – many of them women with children – desire to remain at home while concurrently satisfying their need to make money has rapidly expanded the Internet based cottage industries. Examples of successfully Internet spun cottage industries are the popular iPhone applications where programmers develop “apps” and then sell them to iPhone . eBay is a giant source for cottage industries with work at home individuals buying and selling collectibles and other goods and service on the eBay website. Even some small manufacturers and craftspeople use eBay as a central site for selling their finished goods and services. Work at home authors can write their ebooks in the comfort of their living room and then use the Internet to market their products on websites such as Amazon. These authors may well do their background research at home or at their local library instead of at a centralized office.

In the 1400’s, the cottage industry served as a means for entrepreneurs to bypass the cumbersome and inflexible guild system. Today’s motivation may well be that there are simply no traditional jobs to be found that pay well enough to support the worker’s family or the worker wants to avoid the stresses of corporate jobs by working at their own speed and on their own schedule. For Mothers wanting to avoid the perils of daycare, their motivation is that they can work at home while watching their own children.

The European domestic system is often credited as being a source of the large amount of profits enjoyed by common people which made them less dependent on wealthy land barons. This increase in wages also led to a much wealthier peasantry with more personal belongings, with higher quality food to eat, with more fashionable clothing and with a better education than they had enjoyed prior to entering into cottage industries.

The cottage industry model has worked very well in the past and is definitely working well on Internet related businesses today. Could it also work today as a way to resolve the mattress recycler’s headache of getting unwanted mattresses out of homes and into the mattress recycling facility? Has economy of scale already been reached by the curbside trash haulers?

Every area is different, but the visual key to initially evaluating how well the curbside trash haulers are doing with mattress pickup and disposal – is noticing how many discarded mattresses lie on the roadsides. If there are none, someone has already figured out and implemented a working mattress pickup and disposal process. If you see mattresses everywhere along the roadsides, opportunity for a cottage industry mattress pickup system exists. Like moving furniture, two men and a truck might be all that is needed to implement a mattress pickup and disposal cottage industry.

If you Google “Junk Haulers” you will quickly see that the mattress pickup cottage industry has already been implemented by a host of junk hauling companies helping individual homeowners unclutter their residences by coming to their homes and removing – among other things – unwanted mattresses, box springs and stuffed furniture. These cottage industry people do a wonderful job of assisting home owners and getting mattresses off their premises. What is missing in the majority of cities is the mattress recycling facility where these current day entrepreneurs can deliver the mattresses, box springs and stuffed furniture for recycling. Thus today, cottage industry people with strong backs and a truck or trailer are indeed able to pickup mattresses from home owners and haul them off to the landfill.

So, the real question is where are the mattress recyclers?