The Koyal Group

Koyal’s training courses caters to all California insurance companies, self-insured individuals and third-party managers through online programs accessible to its participants. And remember, unlike the classroom type of education we are all accustomed to, anyone can keep one’s pace at one’s convenience. Koyal can monitor each participant’s progress and will accredit those who are able to fulfil all requirements. With Koyal’s programs, participants gain the advantage of fulfilling their Insurance Continuing Education (Insurance CE) requirements as well as any insurance fraud training needs, both in one course. For many states, continuing education courses are not required credits but merely ethical or voluntary in nature. They serve, however, to update practitioners in their field and to provide companies with the ability to address their clients’ needs more responsively. Fraud is intrinsically dynamic in nature and does not allow insurance practitioners to rest while the fraud perpetrators are gaining on them. Koyal makes sure that the gap is not widened and, hopefully, eliminated through the courses that it provides its clients according to their unique needs and objectives. more

A report from the Urban Institute this week said 44 percent of adults in the Metroplex with credit reports had collection dings. While this number has huge consequences on how much we pay for mortgages, car loans and credit cards, as well as access to jobs or rental housing, local experts caution that things are not as financially dire as the report may indicate. Widely dispersed by the media this week, the report also said that one in three Americans with credit reports had collection problems hanging on their credit histories. But a closer look at the report showed that some of these issues were as small as an unpaid parking ticket or membership fees. The figures include credit card debt that has already been charged off by the creditor as paid or settled, but still remains on your credit report for up to seven years. Much of that activity happened during the biggest financial collapse of a generation and may not represent a current debt problem. more