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Suzanne Said:

I'm applying for a job as a graduate insurance underwriter, however I'm really stuck writing a cover letter.?

We Answered:

10 Tips on How to Write a Resume Cover Letter

1. All cover letters should follow the cover letter format, that is, you must format the heading elements correctly. When sending your resume via email, the line spacing and address conventions may no longer apply, although, they do in paper cover letters.

2. The First Paragraph. This part should immediately tell your recipient how you learned about the job opening, your intent, the position you are applying, or if you are inquiring about future employment possibilities.

3. Second Paragraph. An effective cover letter would have the second paragraph explain and highlight your experience relevant to the job you are applying for. This part calls to action your background elements, particularly your education, experience, and leadership which are relevant to the position you are applying. Be sure to cite examples and strong evidences.

4. Reflect your attitude, such as your personality, motivation, enthusiasm, and communication skills.

5. The best cover letter is coherent with the resume. For paper cover letters, use the same paper quality as your resume. But the general rule is to make it visually attractive.

6. Provide any information that the job advertisement specifically requested which is not covered in your resume, including your availability date, or reference to an attached writing sample.

7. Make the first sentence of the second paragraph hard-hitting - make it a quick introduction of your accomplishments directed at the qualifications and skills the job/industry requires.

8. Make your cover letter (and yourself, that is) more enticing to your prospective employers, by presenting facts that would interest them in hiring, or at least, interviewing you, such as your ability to increase profits, save money, conserve time, to immediately discharge or assume responsibility, and rapidly produce results when hired.

9. Be proactive by indicating that you will do a follow-up. This will show your deep interest to your job application, by saying something like, "I will contact you in the next two week to see if you require any additional information regarding my qualifications."

10. Make the last paragraph count. In the final sentences, use call-to-action and always request for an interview. Also thank the reader for reading your cover letter and looking into your resume.

Rene Said:

Will health insurance cover plastic surgery?

We Answered:

Writing to Santa Claus is more likely to work. There have been rare cases when the post office has allowed humans to open letters addressed to Santa Claus and give the requested gifts. There have been no cases where Blue Cross Blue Shield has covered any plastic surgery, except for:
a) treatment of disfiguring disease, injury, or birth defect, or
b) breast reconstruction following a mastecomy due to cancer in a state that requires this coverage.

If you get coverage for this, you might be the first person, ever, in the history of the world. It could happen, but not very likely.

Elaine Said:

Job Application: Cover Letters - avoid talking about yourself?

We Answered:

I've been a hiring manager for over 25 years and I will tell you that it is absolutely okay to use first person pronouns in your cover letter. In fact, it's impossible to write a good cover letter that sells your experience and accomplishments without using the words I, my, and me!

This doesn't bother hiring managers a bit - what we are interested in is your ability to convince us in the cover letter that you are qualified for the job. Here's the trick: always make sure that you are talking objectively about your experience and qualifications and how they relate to the specific position for which you are applying.

For example, if you're applying for a computer programmer position and one of the requirements is experience in .NET programming, you could say: "I have five years experience with .NET technologies and have designed and implemented four different transaction processing systems that reduced work time by 32%." This is not bragging or being self-centered. It's an objective statement of your experience and the results achieved from that experience.

Now, if you simply said something like: "I'm a great .NET programmer and can develop better than any other candidate you'll interview", that would be the WRONG way to use a first person pronoun. It makes unsubstantiated claims and comes across as merely bragging without anything to back it up.

See the difference? Go ahead and use all the I, me, and my words that you want - just make sure to use them to describe facts, not opinions.

Good luck in your job search.

Russell B.

Benjamin Said:

How to encourage an insurance company to cover in vitro?

We Answered:

You can not. It is bad business. Santa Claus is not on the board of directors of your insurance company.

First of all you were scammed on the reversal. Doctors want money, and reversals are very profitable. The doctor wants to pay off his boat, so he or she has no motivation to tell you that IVF is almost always required after a vasectomy reversal. But the doctor is not selling pregnancies; he or she is selling what amounts to false hope, and it is not illegal to do that. I am told in some states they are pushing legislation to legally define exactly that a “success rate” is.

Any insurance company can see that your family has enough members. Your family member proved that case when he had the vasectomy.

Honestly why should they pay $27K for some procedure that will only end up costing them a delivery room, pre, and post natal care? Nobody can run a business like that. Your family members situation is not life threatening. Anything that is not essential for life, substance, shelter, etc is vanity. Exactly why should all the rest of the members of the insurance plan pay more for their coverage to pay for your family to have another of what amounts to a vanity item?

I am not being mean. I am being honest.

Hugh Said:

My friend told me that you can get car insurance cover letters from some garages.?

We Answered:

I am sure there are many ways of obtaining fake insurance papers, a shady garage being one of them. I would strongly advise against doing anything like that. If you get into an accident and you have falsified your insurance papers, you are going to get caught and punished. It is not worth it. You are breaking the law and you may lose your license for quite a long time. Bite the bullet and do it honestly.

Dwayne Said:

My insurance won't cover damages that I've made to other car during accident. What should I do?

We Answered:

OK. Let's clarify something. The insurance you're asking to pay, wasn't your insurance, when you had the accident. That's why they won't pay.

You need to put the claim in under the insurance that you had AT THE TIME OF THE ACCIDENT.

Most likely, you were uninsured, and went out and bought insurance AFTER the accident. But that won't cover an accident that already happened.

You're going to end up paying everything anyway - if his insurance pays, they'll come after you for reimbursement. Just be sure you pay with a check, so you can prove that you paid.