Here are the 25 best business jobs for 2015

Insurance agent ranks impressively high on the list of best business jobs.

With our national unemployment rate down to 5.6 percent, job prospects are looking rosier than they have for some time. The U.S. Department of Labor reports that December 2014 saw growth in a number of areas tied to the insurance industry, including professional and business services and healthcare. Better still, it is expected that these will continue to be growth areas in 2015.

Hot on the heels of the most recent jobs report, U.S. News & World Report released theirannual review of the best jobs for the year ahead. They start with the data: Which jobs are projected to have the greatest hiring demand from 2012 to 2022, according to the U.S. Bureau of Labor Statistics? The top jobs from this list are then selected for ranking in seven other areas: 10-year growth volume, 10-year growth percentage, median salary, job prospects, employment rate, stress level and work-life balance. These factors contribute to a single weighted average score between 0 and 5, and the final list is born.

In the business world, noteworthy positions ranged from support roles to people who sell, perform data analysis, and execute high-level planning and strategy. Insurance agent, ranked No. 12 on last year’s list, moved up several spots, due to steady projected job growth and above average work-life balance. Where are insurance agents happiest? It may be in cities where they make the most: Bloomington, Illinois; Lake County, Illinois; and Framingham, Massachusetts.

25. Receptionist

Number of jobs: 135,900
Median salary: $26,410
Unemployment rate: 9.7 percent

24. Office clerk

Number of jobs: 184,100
Median salary: $28,050
Unemployment rate: 8.6 percent

23. Bill collector

Number of jobs: 58,200
Median salary: $32,920
Unemployment rate: 12.6 percent

22. Customer service representative

Number of jobs: 238,700
Median salary: $30,870
Unemployment rate: 8.1 percent

21. Executive assistant

Number of jobs: -10,500
Median salary: $49,290
Unemployment rate: 5.9 percent

20. Compliance officer

Number of jobs: 11,000
Median salary: $64,340
Unemployment rate: 4.3 percent

19. Real estate agent

Number of jobs: 38,000
Median salary: $39,800
Unemployment rate: 3.9 percent

18. Financial manager

Number of jobs: 46,300
Median salary: $112,700
Unemployment rate: 4.1 percent

17. Management analyst

Number of jobsL 133,800
Median salary: $79,870
Unemployment rate: 4.7 percent

16. Financial analyst

Number of jobs: 39,300
Median salary: $78,380
Unemployment rate: 3.3 percent

15. Sales representative

Number of jobs: 132,000
Median salary: $54,410
Unemployment rate: 3.6 percent

14. Administrative assistant

Number of jobs: 307,800
Median salary: $32,840
Unemployment rate: 5.9 percent

13. Sales manager

Number of jobs: 40,100
Median salary: $108,540
Unemployment rate: 3.9 percent

12. Meeting, convention and event planner

Number of jobs: 31,300
Median salary: $46,260
Unemployment rate: 5.6 percent

11. HR specialist

Number of jobs: 35,400
Median salary: $56,850
Unemployment rate: 7.1 percent

10. Business operations manager

Number of jobs: 244,100
Median salary: $96,430
Unemployment rate: 4.4 percent

9. Loan officer

Number of jobs: 22,900
Median salary: $61,420
Unemployment rate: 5.4 percent

8. Bookkeeping, accounting and audit clerk

Number of jobs: 204,600
Median salary: $35,730
Unemployment rate: 4.4 percent

7. Insurance agent

Number of jobs: 45,900
Median salary: $48,210
Unemployment rate: 3.4 percent

6. Logistician

Number of jobs: 27,600
Median salary: $73,400
Unemployment rate: 1.4 percent

5. Financial advisor

Number of jobs: 60,300
Median salary: $75,320
Unemployment rate: 2.5 percent

4. Operations research analyst

Number of jobs: 19,500
Median salary: $74,630
Unemployment rate: 3.0 percent

3. Accountant

Number of jobs: 166,700
Median salary: $65,080
Unemployment rate: 3.6 percent

2. Marketing manager

Number of jobs: 22,900
Median salary: $123,220
Unemployment rate: 3.9 percent

1. Market research analyst

Number of jobs: 131,500
Median salary: $60,800
Unemployment rate: 3.0 percen

Source: www.lifehealthpro.com

Understanding Computer Insurance

Does your home insurance policy include laptop insurance or computer insurance?

Check email and social networks. Work remotely. Browse photos. Check finances. Watch TV and surf.

For many of us, our desktop and laptop computers are now part of our daily lives. Losing a desktop or laptop computer to fire, theft or even a virus represents more than an inconvenience. It can be a life-altering event when photos, financial information and other data are inaccessible, lost or compromised.

That’s why it’s essential to understand whether your home insurance or renters insurance policy includes computer insurance or laptop insurance. Use this checklist to understand your coverage.

• Devices — Determine the specific types of devices that are covered under your policy. Some policies cover desktops and laptops, but not tablets. Ask whether computer peripherals like printers, scanners and external hard drives are covered.
• Coverage Amount — By knowing the maximum coverage amounts your home insurance includes, you can determine whether you need additional coverage. Figure out the total coverage that is provided under your policy.
• Exclusions — Your home insurance policy may restrict your coverage to specific types of losses. For example, if you drop your computer down the stairs, is that covered? What about if you spill water on your laptop? Review your policy to determine whether your computer is covered in the event of a fire, theft, virus or other event.
• Use — Some home insurance policies will only cover computers used for personal purposes. Other policies will provide some coverage for business use. If you work from home on a personal computer, understanding any use distinctions is particularly important to make sure you are covered.
• Deductible — If your home insurance policy includes computer insurance, check whether your deductible applies if something happens to your computer, laptop or peripherals.

If your homeowners insurance policy does not provide the coverage you need, you may be able to schedule your computer equipment. Scheduling allows you to increase and broaden the coverage you have through your policy. To do so, you will typically need to provide an itemized list of all computer equipment you own. You can then select a coverage amount. And, you may even be able to choose all-risk coverage, which will cover most losses regardless of the cause, except those specifically excluded from your policy.

Your renters or home insurance company may also offer special insurance packages that cover devices like desktops, laptops or other electronic devices as a group.

Check with your home insurance provider to determine your policy coverage. That’s the first step in determining whether scheduling your computer equipment is the right move for you. Knowing you have adequate computer insurance or laptop insurance  is one more way to ease your mind and know that you can work or surf, worry-free.

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Term Life Insurance

Primerica has always been a company that champions the needs of Main Street North Americans. While many other companies have increasingly followed the wealthy market, Primerica continues to focus on ways to help Main Street families become financially independent.

Since our founding in 1977, Primerica has shown families how to protect themselves with affordable term life insurance, instead of more expensive cash value insurance, and how to invest the savings. We call our philosophy “Buy Term and Invest the Difference,” and it has given countless Main Street families the ability to build toward, and achieve, financial independence.

At Primerica, we have always believed that term insurance is the best way to protect working families. Consumer advocates and financial affairs writers agree.

“For most people, term life still offers the best combination of coverage and cost.”¹

Primerica’s life companies

• Paid out $1 billion in death claims in 2012
• More than $675 billion of life insurance in force
• Have an A+ (Superior) rating from A.M. Best. Only 15 percent of life insurance companies meet this standard
• Pay 92% of claims within 14 days

We Do What’s Right

At Primerica, our mission is to “Help families become properly protected, debt free and financially independent.” We always strive to hold our company to the highest ethics and “do what’s right” by our clients.

“Term insurance is pure protection, like fire insurance or auto insurance. Its sole function is to support your family if you die. You can buy large amounts of coverage for modest amounts of money – and big policies are what your spouse and children need.”²

Lives can change in an instant. See how Primerica was there to help pick up the pieces and carry on after unexpected tragedy.

The following accounts come from actual Primerica claims. Names have been excluded for privacy reasons.

Source : http://www.primerica.com/

Top 10 Auto Insurance Companies

Every car in the country must be insured if it is going to be used on the road; that makes for a very large number of people looking for auto insurance. There are hundreds of insurance companies in every state willing to provide this service, but trying to figure out which ones are the best and deserve one’s attention can be a bit tricky.
There are numerous factors that go towards contributing to the quality of an insurer. Financial strength of a company is frequently over-looked by most insurance shoppers, yet it is a very significant factor. After all, signing up with a financially unstable company may mean that by the time one is involved in an accident and files a claim, the company may be facing bankruptcy and unable to pay. The cost of the policy and customer service is also significant issues. After continuous payment of premiums, one would expect quick and efficient service when it is needed. If one is involved in an accident, being put on hold for ten minutes or told by a machine that “an agent will get back to you as soon as possible” only to find they never take the call can be frustrating! Also, whether the company even has a valid license to operate in the state and sell insurance is another important variable.
According to most consumer guides put out by the government and industry professionals, the following ten auto insurance companies provide the required cover with very competitive prices, are financially sound and have a reputation for being available when required.

Top 10 Auto Insurance Companies

1. Allstate: Allstate is one of the most frequently top rated car insurance companies in the nation. They provide a wide range of policy options that suit the needs of a wide variety of customers. Allstate is known for the competitive rates they offer, along with safe driving incentives and accident forgiveness. They have been ranked as one of the top insurance companies for 70 years. They provide four different packages so one is sure to find one that suits their individual needs. In fact, some even claim that this company is ideal for teenagers and the elderly.
2. State Farm Insurance:Discounts are one of the favorite things about an insurance provider and this company makes sure its customers get plenty of variety. Consumers can save a significant amount, up to 40 percent, with State Farm.
3. Geico: Government Employees Insurance Company is owned by Berkshire Hathaway and provides private auto insurance in all fifty states of the nation. They are easily recognizable from their commercials on the air. They pledge outstanding customer service and promise to help in obtaining the least expensive auto insurance policy. Additionally, they offer their customers several payment options which makes them a favorite with potential clients.
4. Progressive: this is a multi-dimensional company offering not only auto insurance, but bike, watercraft, Segway, RV and snowmobile loans. It was established in 1937 and has the honor of selling the maximum number of commercial auto policies through independent agents operating via brokers. It has earned a credit rating of A+, which is excellent. They even have an innovative offer for their clients known as “name you price” in which potential clients can counteroffer the quote they give.
5. Nationwide: This Company was founded in 1925 under the name of The Ohio Farm Bureau Federation and is now one of the largest financial organizations in the world. In 1955, it officially became known as Nationwide and is today one of the most financially strong auto insurers in the USA. They keep their customers happy by providing them with many low cost insurance options.
6. AA Auto Insurance: The American Automobile Associations is a federation of associated auto clubs. The organization is a non-profit lobby that along with auto insurance, also offers a large number of services like first aid, towing, and emergency road service to members. It was founded in 1902 in Chicago.
7. Liberty Mutual: Established in 1912, they are a financially sound company with a credit rating of “A”. In addition to auto cover, they also offer home and life insurance. This is a full service company providing comprehensive auto policies at very competitive rates. Liberty Manual has not only been rated as one of the top auto insurance companies in USA, but has a wide network of financial services in 20 countries throughout the world.
8. 21st Century Insurance: This company works in collaboration with some of the best auto insurance companies. They are able to provide their customers a large variety of insurance products in addition to auto insurance.
9. GMAC: This insurance provider was established in 1939 and has grown steadily ever since. They make the individual needs of their customers the top priority and help them to design a policy that fits their budgets and requirements. In addition to being one of the best insurance companies in the U.S., they make a large range of insurance products available in Latin America, Asia and Europe.
10. AIG: American International Group promises to provide major savings compared to other insurance providers. Their main focus is to provide savings through low-cost insurance products and bundling. AIG is a world leader in insurance and financial services, with operations in more than 130 countries. In addition to auto insurance, they provide retirement services and asset management.

There are numerous listings of “top 10” insurance companies if one searches online. While this may seem overwhelming, it actually is not. This is because there are some basic companies that stand out on everyone’s’ list. Also, it should be kept in mind that some regional and smaller companies have been around for a very long time and have been providing excellent service and rates that are comparable to the national companies; however, they do not show up on many lists due to the fact that they are not national.
The best insurance company is the one that fulfills individual needs the best and the best way to find it is to do plenty of research, then shortlist and finally get quotes and pick the best one! Compare and find the best auto insurance rates with our FREE comparison tool below!

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