ࡱ> OQP ?bjbjNN  ,~,~ .]$$$$D$1     6>  $?3 #^ $$ 6 $R 6 $$$$  V @v" 6 + How Your Credit Influences Your Insurance   Credit & Insurance Your credit history and your insurance claims history are linked. Independent studies have proven a strong connection between credit history and the likelihood of filing a claim. Tillinghast-Towers Perrin conducted a study that found data to support using credit history as a predictor of claim filing. An actuary retained by the Arizona Insurance Department reviewed data and confirmed the link between credit history and risk of loss. Heres how credit history and insurance interact: Credit is an objective tool: Credit information provides insurance companies with an objective tool to make a decision. This tool avoids subjective value judgments. How you benefit: Because most consumers have good credit, it makes it easier to get lower insurance rates. Good credit in some circumstances can even offset less than a perfect driving record. How are credit histories used? Credit history provides a consistent tool to evaluate risk that does not discriminate against any specific group of customers. It results in every customer paying his or her fair share for insurance. Credit history is just one of several factors insurance companies use to determine your risk. Generally your credit rating alone is not likely to keep you from getting insurance or cause you to pay more for it, although it can help you get insurance. One insurance company found that using credit history enables it to charge 70% of its customers lower premiums than otherwise would be possible. What is a credit score? It provides a numeric assessment of an individual's credit risk at a particular point in time. As new information is added, the score can change. Only credit information is included to determine the credit score. Your privacy is protected as the insurance company receives only your score, not your complete credit report. A study by a major insurance company shows great similarity in the average credit score for all income groups. According to a Harris Poll, nearly 70% of the public favors using credit information so financially stable people can pay lower premiums. Of those that disagree, nearly half said they would change their minds if safeguards were in place allowing them to examine and challenge credit information. Arthur Andersen and the Insurance Research Council found that credit reports are much more reliable than motor vehicle records. Andersen found that only 2% of the 15,000 credit reports studied contained disputed information. Consumers also have a clearly defined review process to ensure their credit reports are accurate. A recap of credit and insurance: It provides an accurate predictor of loss It fairly allocates the cost of coverage based on a consumers claim potential It provides an objective tool for decision making that does not discriminate against any protected class member. It increases the availability and affordability of insurance. It allows insurance companies to insure some consumers who would otherwise not receive coverage using the more traditional methods.  Geared for Success 3 minutes to insurance understanding Save money and cover your fatal gaps. ABC Insurance 123 My Street Our Town, USA 27514 P 919-929-8483 F 919-932-6973 Email:  HYPERLINK mailto:ideas2go@mindspring.com ideas2go@mindspring.com www.insuranceproposals.com *+,-.HK?F(-2<Wb ( - / 5 ; A M v Cdlv$LƽƵƽƽƽƽƽƬƣƽƚƚƣƑƵƈ CJOJQJ@CJOJQJ@CJOJQJ@CJOJQJ@CJOJQJ@CJOJQJ5CJOJQJ@CJOJQJ CJOJQJ5j5UmH jUmH5CJ,OJQJY(5CJ,OJQJj5CJ,OJQJUmH/+-HIJKz2z  & F-L hZ & F+L h-Z & F-L h & F+L h+V-Z$ZZ$Z+-HIJKz2z % h CdM ()*+QRlxyz{|}~ ;<=>?                       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