Godfrey-Morrow Calgary Insurance Brokers and Financial Services

Godfrey-Morrow Insurance of Calgary and Alberta provides clients with objective insurance and financial consultation. Whether your needs are personal or business-related, our promise of outstanding service to our clients is not idle rhetoric. It is our passion. It has been the major difference in our approach to insurance since our founding companies were developed in 1925.

>

Godfrey-Morrow are Calgary insurance brokers who work to treat you the way you want to be treated. We are structured to service your needs at all hours of the day in ways most convenient to you. You may submit claims or contact your insurance broker via the Internet, face-to-face, fax, telephone or any combination of these. We also feature a free that is available for Androids, Blackberries and iPhones, and makes informing us of an accident or claim quick and easy.

We are an extremely efficient, well-organized distributor of insurance and financial service products. At Godfrey-Morrow, we distribute our products through unique structures and systems and only employ highly motivated, accredited insurance brokers who individually and collectively have a passion for customer service.

Your busy life does not need to stop because of insurance or financial service needs. We are here to help you with as little disruption as possible. Our employee-developed Mission Statement says it all: If its important to you, its important to us!

Godfrey-Morrow Insurance Brokers Calgary and Alberta: Personal Insurance Options

Godfrey-Morrows personal insurance options include: Car/Auto Insurance, Property/Home Insurance, Life Insurance, Travel Insurance, Disability Insurance, Critical Illness Insurance and Supplemental Health Insurance.

Godfrey-Morrow Insurance Brokers Calgary and Alberta: Business and Commercial Insurance Options

Specialists in , Godfrey-Morrows choices include: Commercial Auto Insurance, Oil & Gas Insurance, Office Insurance, Retail Insurance, Contractor’s Insurance, Non-Package Commercial Insurance, Equipment Breakdown (Boiler and Machinery) Insurance, Directors and Officers Insurance, Fidelity, Surety and Crime Insurance, Business Property Insurance, Errors and Omissions Insurance, General Liability Insurance, Product Liability Insurance, Group Health Insurance, Key Person Insurance, Employment Practices Liability Insurance (EPLI) and Workers Compensation Insurance.

Godfrey-Morrow Insurance Brokers Calgary and Alberta: Specialty Insurance Options

Godfrey-Morrows specialty insurance options include: Classic/Collector Car Insurance, Watercraft/Boat Insurance, Motorhome/RV Insurance, Motorcycle Insurance, Snowmobile and ATV Insurance and Trailer and Camper Insurance.

Godfrey-Morrow Insurance Brokers Calgary and Alberta: Financial Services
Godfrey-Morrows financial services include: Effective Investing, Building a Financial Plan, Financial Check-in, Universal Life, Registered Plans and Mutual Funds.

If you do not see your specific insurance need listed above, please contact us. As insurance brokers in Calgary, we are able to work with our providers to ensure you are covered at all times.

Tax refunds made simple

The daunting three letter word, tax, can evoke a wide range of emotions. However, it doesnt have to, as the grass may well be greener on the other side.

The confusion around tax refunds is a common occurrence.

A tax refund is a repayment of PAYE tax that you have overpaid during the tax year. Statistics show that 1 in every 3 people in the UK is due a tax refund.

If you have lived and worked in the UK, you may be due for a tax refund, as a result of certain circumstances.

What are these circumstances?
Youve only worked for part of a tax year
Youve worked for more than 1 employer in a tax year
Youve had 2 or more jobs concurrently
Youve been taxed on a basic rate tax code
Youve paid emergency tax in the last 5 years
Youve left the UK before the end of the tax year (6 April-5 April the following year)
Youve been on an incorrect tax code at any point in the last 5 yearsIf you feel that youve been in any one or more of the above situations, then you have a very good chance of receiving a tax refund.

At this point, you may feel that going through all the hassle is not worth the refund, but its more than worth it. You can receive an average of 850 back possibly more if you havent claimed back at all in the last 5 years.

How to claim back tax through an agency?

You will need to complete the online tax refund form, provide the firm with your employment history details, as well as, original P45 and P60 documents. If you have lost these documents (or you dont have the original documents) you can use a Statement of Earnings – or an agency will assist you in obtaining the correct documents.

Thereafter, the process will be moved forward, you will be kept up to date about your tax refund status, and be will notified about any activity.

The greatest pleasure that comes with using an agency is that you can then leave the work to the agency and receive your money after 6 12 weeks.

Most agencies provide you with an online tax refund calculator. This gives you an estimate of your tax refund, based on the information you enter into the calculator.

Dont let the perceived hassle of claiming tax back stop you from getting what is due to you.

Insurance Claim Investigation

The increase in the number of players in the Insurance sector has lead to spiralling growth of the Industry. More people are now aware of Health, Medical, General and Life Insurance plans and are keenly opting for various types of risk cover. As the customer base increases for these players so do the number of Insurance claims being filed with these companies. In a country such as India where there are few verifiable facts about a customer, this creates a large number of fraudulent risk claims. Onicra works closely with the Insurance companies to establish validity of these claims and mitigate risk.

What exactly is Insurance Claims Investigation?
Individuals and business enterprises buy insurance policies to safeguard themselves against monetary losses. In case there is a loss, the insurance policy holders submit claims, or request for payment to seek compensation for their loss.

Insurance investigators thus work for life and general insurance companies, for whom they handle claims contending unfortunate cases of bodily injury, deaths or third party claims. Their main job is to investigate the claims, negotiate settlements, and authorize payments to claimants. It is they who must assess and verify whether the customer’s insurance policy covers the loss and how much of the loss should be paid to the claimant.

About Insurance Claims Investigation Services

Life and General Insurance claim processing.

Authentication of medical reports (Life and General Insurance).

Conducting checks and balances before extending insurance.

Onicra is leading and pioneering the way that Insurance claim investigation is conducted.

Compnay insurance investigators possess decades of experience and have established a proven reputation in the industry for exposing fraudulent applications and claims, Our clients include companies such as Reliance Insurance, Bajaj Allianz etc. Our well-trained staff examines the various causes of the accident, death, property loss, vehicle damage or third party damage and reports the claims to the client as valid or in-valid based upon a comprehensive set of guidelines using our revolutionary PDA technology. This decision analysis tool aids us in identifying insurance claims as genuine or fraudulent.

With our team of seasoned industry specialists and our highly trained workforce, we have set new benchmarks in the Industry using this system.In addition our widely spread network across the country gives us the leverage to cover almost any geographic location. In states such as Rajasthan, Uttar Pradesh, Madhya Pradesh and the Eastern Belt, which are vast in terms of reach and spread, our network is extremely robust.

Benefits of outsourcing Insurance Claims Investigation to Onicra

High strike rate in identifying fraudulent insurance claims

Fast track PDA technology facilitates live transfer of case

Real Time Case tracking and management solution

Reduces claim handling costs and other operations costs

Help mitigate risk, reduce settlements and identify fraud claims

Hispanic Tax Franchise Marketing That Makes Sense!

The Hispanic market is one of the most lucrative markets in America, yet many businesses have failed to substantially tap this market for one reason – a lack of understanding. Tri Tax understands the Hispanic market because their roots are in catering to just such a demographic. Can this knowledge help you succeed? Absolutely.

Incredible Potential

The Hispanic market is the largest minority market in the entire country, and it is growing exponentially. Every year, this market increases significantly, and represents a larger pool of potential consumer dollars. In fact, the Hispanic market is not just the fastest growing minority group in the US, but the fastest growing consumer market of any kind. The Hispanic population currently sits at 40 million, and is increasing all the time. Furthermore, the economic purchasing power of Hispanics is increasing steadily, and recently topped $1 trillion for the first time.

Incredibly, this is a market that many retailers are unable or unwilling to cater to. Much of this comes down to effective communication. Tri Tax understands the Hispanic market and have developed a easy to follow system to help tap into this incredible pool of potential.

Know Your Audience

Knowing your potential consumer base inside and out is one of the most basic and fundamental aspects of business. In order to generate business, you need to market yourself. But in order to successfully market yourself, you need to craft an effective message. What constitutes an effective message? It depends on who you are trying to reach, which is why you need to understand the market you are attempting to reach before you begin this process.

Tri Tax does not exclusively target a Hispanic audience. But we refuse to alienate a huge potential consumer base because of a lack of effective communication. And this communication goes beyond just speaking Spanish or putting out a Spanish advertisement. Communication boils down to understand the needs of your consumers, and then providing qualified solutions to these needs.

The Tri Tax Advantage

At Tri Tax, we have achieved and subsequently sustained a huge operational advantage over our direct competition by incorporating the Hispanic market into our marketing and business plans. This is an advantage that gets passed directly on to our franchisers. By sharing our knowledge and expertise, we will help you sustain this advantage over your direct competitors.

By instituting a few simple operation contingencies, you can give your franchise a significant boost, and give a boost to your chances of long-term success in the process. To learn more about Tri Tax Franchises, and what we can offer you, please visit us online at

Benefits Of Jewellery Insurance

Every household family in India carries gold and diamonds in form of jewellery or as a solid brick to make an investment. Probably apart from house, this is the second most precious thing in a family. Hence, to safeguard requires is Jewellery Insurance. Many people may take it as vague idea, but yes it not only gives safety but also helps in covering loss in event of any unfortunate circumstance. Jewellery insurance is not been covered by all insurance companies but a select few with the fine terms which needs to be read before declaring value and making jewellery insured.

The first and foremost benefit is of course the safety part. If a household carries jewellery worth Rs. 5 Lakh and a special occasion like marriage is due in family, its advisable to protect one from unforeseen circumstance by going in for jewellery insurance.

The process of obtaining insurance on jewellery starts with furnishing of invoice of the jewellery to the insurance company. The Insurance company then carries on valuation of jewellery by the empanelled jewellers. Once formalities done, the insurance company determine the Insured declared value. Next, comes reading and signing the declaration. Its vital to read the terms carefully as historically over 25% of the claims gets rejected in India due to faulty insurance policy or unawareness by signing on the consent form without reading the terms and conditions. It leads to not only loss in premium but also give one hassles and mental agony at the claim process. Its also advisable to take couple of snaps of the jewellery for your own record too while making them insured.

Do not follow with that insurance company which offers only the lowest premium but check the past track record in terms of claims and the service levels. Never get carried away with the low premium, there could be wide differences in the premium and claim service levels. Always, have a comparative view in respect to the multiple insurance companies and choose one which you feel is the best in service levels and claim track record.

Also, one may too get a valuation done of the jewellery through his own jeweller before going in for the insurance. As these jewellers are in this business, its best to take there advise and gives it weight for choosing insurance on the gold ornaments. Remember, insurance could act as slight expense in the beginning but it prevents one from a casualty. Take a positive side and have a peace of mind.

Get Compare Samsung Galaxy S Ii Insurance Policies And Packages

Samsung galaxy S is a best production of Samsung Company. They introduced best techno0logy and in all of them this is the best production. This is a touch mobile with endurable screen. This mobile is available with some best features that distinguish it from others like this mobile is available with 4.3″ super amoled plus, dual core application processor with heavy speed, 8.49mm slim design and with best features that distinct it from others. Now you can get insurance for your mobile. Your mobile is worthy and you can have any kind of incident with your mobile because we are using it every time and everywhere. So it is possible. Now there are some companies that are giving solution of your tensions about your mobiles by giving you insurance for your mobile. But if you are looking for insurance online, so I know that there are several companies that can give but you must want to choose a company that can provide you cheap insurance according to your needs and you can get it by . Now you can Compare Samsung Galaxy S Insurance online and can get insurance according to your demands and needs. If you are online, so you can get info about several companies and can Compare Samsung Galaxy S Insurance.
Now you can also online and can get insurance according to your demands and needs. If you are going to compare so it know that it is not easy to get info about some companies, its rates, polices, packages and other thing else. Mostly if you are busy and cannot spend your time to get insurance, so there you have need a something with that you can compare quickly. Now you can get quote and can compare Samsung Galaxy S ii Insurance with it. You can easily compare more than 100 companies in each time and can get insurance according to your demands and needs. It is not hard to get insurance, you can easily get it as well as you want by quote. You can Compare Samsung Galaxy S ii Insurance polices, packages coasts and anything else and can get insurance according to your demands and needs.
There is another mobile that is introduced by this company that is with best features and also famous just like galaxy S name Samsung Galaxy S2. Now you can get online and can get insurance according to your demands. There are some companies that re online, so you can deal with them online and can get Samsung Galaxy S2 Insurance that is best for you. It is not hard to get Samsung Galaxy S2 Insurance you can easily get it by contacting any company and they can also give you further info that you have need in getting insurance.

Compare car insurance quotes in California online

Few decades back cars used to be a luxury commodity. People belonging form the higher status group were only able to purchase cars. It was a status symbol back then. Today anyone can buy a personal car for his or her requirements. There are a number of different car manufacturing companies present in the market today. Each company provides customers and buyers with a number of easy instalments plans. With the help of these plans, anyone with an average earning can buy a car easily. In most of the countries in the world, car insurance is mandatory for car owners.

A car insurance policy helps the insured person to protect his or her valuable asset. In case of auto theft and accidents, an insurance policy can help you financially. These policies and plans help car owners in times of distress. There are different types of car insurance policies available in the market today. Mainly these policies are of three types – liability coverage plan, collision coverage plan and comprehensive coverage plan. According to your needs and requirements, you can choose a plan for your car. Think carefully before selecting any insurance policies or plans. Do not make any haste decisions regarding insurance.

Most of the people choose the comprehensive coverage plan to protect their cars. This coverage plan protects you financially in case of auto thefts and accidents. The other two plans do not provide full coverage, thus individuals generally choose the comprehensive plan. It is more flexible and extensive in nature. You can also ask for a customised coverage plan for yourself and your car if you want. The premium rates and the coverage cost depend on a number of factors. For instance, a SUV’s premium rates will be more or higher than an ordinary family car. The model and make of your car are the primary factors that specify the rates.

If you do not have much knowledge about car insurance companies and policies, then ask a knowledgeable person or a reliable agent. There are a number of insurance companies present in the market now. Sometimes it can be confusing for a car owner to choose a specific company for themselves. Use the internet services to learn more about car insurance. You can check on different plans online. If you are looking for car insurance quotes in California, then type car insurance quotes California or California car insurance quotes in the search box of your webpage to get appropriate results. You can ask for quotes from more than one company.

the insured person to protect his or her valuable asset. Get more details visit at .

Online Brokers For State Wise Instant Insurance Quotes

You have your long term and short term financial plans in place. Now back them up with an adequate life insurance cover. Basic goal of life insurance policy is to protect the financial well being of the family in case of untimely death of the earning member. Now with a slew of companies offering instant life insurance, you should have no problem taking a life insurance policy for yourself.

Why people avoid buying an insurance policy?

The reasons why people avoid or procrastinate buying a life insurance policy are complex and varied. Most common causes are as follows:

Priorities are given to other financial goals like car and health insurance, mortgages and car payments.

Not approached by life insurance agents.

Apprehensive of buying a wrong policy.

People perceive that they cannot afford buying it.

There is an instant life insurance quote available online, so you need not worry anymore that there may be mis-selling of any kind.

What do you have to do for instant life insurance quote?

Start by entering the ZIP code of the residence. As you enter the zip code, youll be provided with the names of the insurance companies which underwrite insurance policies of the area. If you would like to create a comprehensive portfolio, get started with instant life insurance quotes.

The need of insurance cover will change with the change of the life stage the family is in. Also one has to take into consideration the present lifestyle of the family and the ages of the children of the household.

Since insurance providers provide different sizes and types of insurance in different states, so it is important to key in the zip code that will help deciding the insurance coverage.

You may require to key in additional amount of information, you may fill in online forms or give to the insurance representatives.

Types of insurance

There are several kinds of insurance:

Term life insurance

Cash value life insurance

Whole life insurance

Mortgage life insurance

Survivorship life insurance

Life annuities

Permanent life insurance

Universal life insurance

Things to consider while evaluating online insurance quotes:

While comparing online insurance quotes, you need to compare apples with apples and oranges with oranges. Some quotes seem to be less favorable than others; check out for consistent profile, same amounts and similar insurance type.

Better choices, superior customer support, minimize effort, best possible coverage; these are the primary benefits of instant life insurance quotes.

Also one has to take into of the family and the ages of the children of the household. Please visit at

Compare Life Insurance policies

Have you ever thought about what will happen to your family when you are not around anymore? If you still haven’t, then it is high time you start thinking. The feeling of your family being financially unstable is extremely frightening. Life Insurance will provide you assurance that in the event of the untimely death of the insured person the loved ones will remain financially secured. The nominee of the policy will receive an amount which is known as the sum assured which can later be effectively used to plan his/her future. Therefore, it is very important that you get the best life insurance policy for yourself keeping your demands in mind.

With various insurance companies in business nowadays and the varied options provided by them, it is necessary for us to compare life insurance policies and select the one that best matches our requirements. You have to compare life insurance quotes from different companies and all these details are provided by various websites to help people have a better idea about which company to choose and what kind of policy is best suited for them. Get more information .

There are a few benefits of taking a Life Insurance policy. In the event of the policy-holder’s death, a good amount of life insurance cover will protect your family from going through any financial crisis. If you are adequately insured then all your loans and your assets would properly be taken care of.

If you have to compare life insurance, we should look at the various types of life insurance policies:

Term Life Insurance: Provides insurance for a fixed period of time. This policy is best suited for people who are not able to pay high premiums.

Whole Life Insurance: Also known as Permanent Life Insurance. This policy covers risk for the whole life and generally the premiums are high.

Endowment Life Insurance: This type of policy pays back the sum assured and the bonuses at the time of maturity.

In order to get the maximum benefit you need to assess whether the premium rates that the insurance companies are providing is correct or not. You need to compare life insurance rates and select an insurance company which will give you a higher amount on coverage and this will result in a higher payout upon retirement or sudden death.

The above mentioned guidelines will assist you in choosing a life insurance policy that perfectly secures your family.

It is necessary policies and select the one that best matches our requirements.

Tax Filling Cupertino Tedious And Stressful Task To Manage

The Tax filling is an important part of any country’s formation and it also helps in building the economy of a country, so as a wise and responsible citizen it is required that we all pay income tax at the end of each financial year to get the best services by the government and for the growth of the country we live in .in the filing of the taxes Bay area accounting firms will help you for your taxes .these firms charge you but in return you do not have to take all the stress of managing all the documents and to see which type of tax is applicable to you , as managing all the receipts and documents all the year round and their calculation according to new rules and regulations is not easy, you may make a mistake.

The tax filling firms do all these tasks for you, even when you have any doubt they are always available . there are also various types of taxes like individual tax, corporate tax and many other and you may not have any idea how to calculate them so can help you with this. They prepare all the documents for you and make it in such a way that you have to pay the least tax taking in care all the tax deductions and exemptions you are entitles for. If you are managing a big firm and business then it is the most tedious thing to manage accounts an all the documents. While entering the data it must be taking care that not a single wrong entry is made, for your corporate tax filling you need a big and experienced firm having enough people to help you.

You must see to it while choosing a firm that they have good reputation and they provide timely services as it is a time consuming job and you need to file your tax on time.Also as an business , you must choose such who have through knowledge of all the rules and of managing accounts so that you get the maximum benefit while filing your corporate tax. Your accountant have to manage the balance sheets and ledger sheets very properly and maintaining the credits and debits. As a business firm you must take care of your profit and loss and the rules and benefits you are entitles to.