Diamond Insurance

The largest collection of diamond bracelet selection can be found when searching online. With just a few simple steps you can view diamond tennis bracelets, vintage diamond bracelets, gemstone bracelets, red carpet glamor bracelets, men's bracelets, simple gold or platinum bracelets, and other items such as diamond necklaces, diamond pendants, diamond earrings, stud earrings, journey jewelry, anniversary, wedding and bridal rings.

When looking to buy a very classic piece of jewelry, a tennis bracelet is a great option. With such an assortment of styles available now, anyone can enjoy wearing a tennis bracelet. Whether you are active like a tennis player, going to the opera, dressing nice for work, or out on a date, a bracelet on the wrist is an accessory that instantly adds sparkle and intrigue to the outfit.

Marilyn Deschamps
Author for Anjolee- The Art of Jewelry

About Anjolee

Anjolee is the leading online retailer offering competitive prices on diamond bracelets and fine Jewelry items. Anjolee's' wide range of products include classic diamond bracelets, tennis bracelets, wedding, bridal and engagement rings, wedding bands, anniversary rings, diamond earrings, diamond necklaces and pendants. Anjolee has revolutionized the way Diamond Jewelry is bought over the internet with interactive features for the user and by backing up every single purchase with a 100% money back guarantee, 30-day refund policy, easy returns, and excellent customer service.

When it comes to colour, the rarest diamond in the world is The Ocean Dream Diamond. It weighs just 5.51 carats, yet its colour is unique: a stunning bluish green which is believed to have been brought about after thousands of years of natural radiation exposure in Central Africa. It is currently owned by the Cora Diamond Corporation.

In terms of size, the Cullinan diamond is in a class of its own. Weighing an astonishing 3,106.75 carats, the Cullinan was split into nine parts, all of which are owned by the British Royal Family as part of their crown jewels collection. The two largest diamonds cut from the rough are the Great Star of Africa and the smaller Lesser Star of Africa, weighing 530.2 and 317.4 carats respectively.

The Blue Diamond is rare due to its vividly blue colour and decent weight. Those who have seen the 1997 film epic Titanic will recognise the blue heart shaped diamond, mounted with white diamonds around its edge, however The Heart of The Ocean was not based on The Blue Diamond, but was in fact based on the infamous Hope Diamond.

The fifth heaviest diamond in the world is also the largest black diamond ever found. Known as the Spirit of Grisogono this spectacular jewel weighs 312.24 carats, and is mounted on a ring encrusted with 702 white diamonds.

In 1967 the (then) largest brown diamond in the world was discovered. Called The Earth Stone, it weighed a huge 248.9 carats uncut, and was transformed from the rough into a dazzling pear cut shape that was to weigh 111.59 carats. Since its discovery, two bigger brown diamonds have been found, the largest of which is The Golden Jubilee.

Having your valuable jewelry appraised can be an important thing to do for a couple different reasons. It is good for you to know exactly what your prized pieces are worth, but you will also need an appraisal if you plan to get jewelry insurance for high priced pieces, like your engagement ring.

What Is A Jewelry Appraisal

It is not uncommon for certain jewelry, like an engagement ring, to come with a diamond grading report, otherwise called a diamond certificate, and a jewelry appraisal. The grading report is created at a gemological lab and it lists the details of the unset diamond, it's cut, color, clarity and carat. But this report doesn't provide a value.

The jewelry appraisal on the other hand evaluates the complete piece of jewelry and provides a value for that complete piece. The appraiser will look at the metals, the design and all of the gems or diamonds used to make that piece of jewelry.

Go To An Independent Jewelry Appraiser

While you may receive an appraisal from the jeweler when you buy the jewelry it is a good idea to get your own appraisal at an independent jewelry appraiser. Appraising jewelry is not an exact science so you may not get the same results at two different appraisers. Not always, but sometimes the appraisal you receive from the jeweler can be a little inflated. If this is the case it can work to the the advantage of the salesperson. They may claim you are buying the jewelry under the appraised value making you think you are getting a great deal.

It is a good idea to ask about the jeweler's return policy so you can have your purchase appraised to see if it is worth what you paid for it, if not it is good to have the option to return it. But you also need an independent jewelry appraisal if you are going to insure it. For starters the insurance company may require it. But if they don't and you pay insurance premiums based on a high appraisal you may be paying more than you need to in premiums each year.

Get Periodic Appraisals

It is a good idea to appraise valuable jewelry every couple of years because with market fluctuations of gold, silver and gems the value of your jewelry may fluctuate as well. As you get updated appraisals you should provide them to your insurance carrier so they can adjust the value of your jewelry insurance if needed as well.

Diamond Holiday Travel is a similar network marketing opportunity to that of other MLM travel companies that you gain admittance to a cycling board and matrix compensation plan through your entry fee. So what is the product and how can you find yourself working from home with this company?. Diamond Holiday Travel has been a test to track down unlike the marketers that have been touting the revolving matrix plan that is the key to joining. There are many companies in the travel industry of late turning to the multi level marketing segment to help boost the lagging travel industry. Through cycle boards and matrices of every kind, many individuals are actually taking advantage of not only the business, but the cheap travel that is offered as well. But is this travel all that cheap? After the taxes that were involved and the accommodations offered (after calling), I found that it seemed rather average for the most part.

Looking further into Diamond Holiday Travel I found that it was created and owned by a company from Hong Kong and the management team is headed up by Roger Friedan holder of a business degree from Crummer School of Business. Roger Friedan is a name that many in the MLM industry have come across and have their own opinions of. The matrix and cycle board mix in the compensation plan can create what is called a spillover which is by far the most effective compensation plan of the matrices. However, you will still need to market your business and effectively to contend with large travel companies online like Expedia, Travelocity and Orbitz just to name a few. Network marketing can be complicated without the right tools to compete in the industry.

I did not join Diamond Holiday Travel due to the lack of information about them other than marketers online. The matrix plan seems to be solid, but again, due to the lack of actual information online this was hard to confirm other than by word of mouth. Previous marketing knowledge would be a must due to the lack of any true training program involved and the saturation of this industry.

I grew up in a small town on the Ohio River called East Liverpool. It is located in Ohio at the junction of Ohio, Pennsylvania and West Virginia. When I was growing up it had a population of about 22,000. Today the population has dropped to just over 13,000. However, some very unique and notable people have come from my town. I want to tell you about one of them who learned the meaning of providing value for his clients so well that he went on to become the greatest life insurance salesman ever. His name was Ben Feldman (1912 - 1993) and over his 50 year career selling insurance for one company, his sales volume exceeded $1.8 billion, with over a third of it coming after he turned 65. And, he did it by selling out of his office in East Liverpool and not some major financial capital city like New York. Ben Feldman came from the sleepy little town of Salineville, Ohio, where he started his business career selling chicken and eggs for $ 5 a week. As an aspiring businessperson, he wanted to enter the insurance field but was unable to pass the basic Equitable Life Insurance Company's aptitude test.

In typical Feldman fashion, he sold himself to Equitable, and began collecting premiums on meager nickel and dime policies. In 1942, he joined New York Life, and opened a small office in the Little Building, on the Diamond, in downtown East Liverpool. It was from this location that he began a relentless quest to achieve membership in the prestigious Million Dollar Round Table. He made it in 1946.

Little did anyone suspect that he would far surpass the million dollar mark, however, in 1955, he sold $10 million in coverage. He then began selling one million a month, then a million a week, and in 1971 wrote contracts for over $65 million. He then gunned for $10 million a month and in 1983, with the help of his two sons, Marvin and Richard, he sold $148 million of insurance.

Feldman was an innovator, who made it easy for his clients to understand the complexities of the Federal Estate tax law, which desecrated the fortunes of a large number of wealthy individuals in the period that followed World War II. Long before computer graphics, he created clever hand-drawn charts, illustrating the need for life insurance to protect an individual's assets from the government. He would book himself on airplane flights, next to a potential client, where upon he would open his brief case, stuffed with $100, $500 and $1,000 bills, along with his charts and graphs. The idea was to entice his neighbor to notice the money and remark, "Is that real money?" "Yes," Ben would reply, "but I'm not afraid to carry it, because it's insured." With such an opening, a sales presentation was a lay-up.

A lover of luxurious automobiles, Feldman would often be seen racing up and down the highways that link Pittsburgh and Youngstown in his Cadillac Eldorado. It was within this 50-mile corridor that he sold the majority of his policies. Often equipped with a CB radio and a car telephone - long before anyone had heard of such a device - he handled rejection like none other.

A favorite Feldman method was to approach the office of a busy executive and ask for an appointment. The response from a frazzled secretary would usually be, "I'm sorry, his time is too valuable." Ben would ask, "Is it worth $100 a minute?" "At least!" would be the answer, to which the response (accompanied by five brand new one hundred dollar bills,) would be, "Well I'd like to buy five minutes."

Even when Ben Feldman would go deep sea fishing, he would spend his time developing new sales techniques, memorizing the entire New York Life Insurance rate book. And, he would arm himself with pithy little phrases, designed to overcome the most difficult challenge. To the potential client who said, "I believe in term insurance." Ben would respond, "Term insurance is temporary, but your problem is permanent." "I can't afford the premium," would invoke, "You are already broke and don't even know it."

Following in the footsteps of such a legend was not easy for Marv and Rich Feldman, but they handled the challenge well as Marv became president of the Million Dollar Table in 2001, and Rich excelled in a number of endeavors, including "drag racing," of all things.

Now you might be thinking to yourself that Ben must have been some kind of superstar, good looking, fast talking, kind of man - but you'd be wrong. Ben was a short, stout, balding and spoke slowly with a distinct lisp. He never finished high school. He was so shy that years later when he was asked to speak at insurance industry meetings, he would only agree to if a screen was erected between him and the audience.

But, he was a legend when it came to making a point to know every business owner in his region. He did his homework first and learned all he could about his potential customers so that by the time he met with them (often on a "cold call") he was ready with the right Value Development Questions. He didn't always sell right away but he never gave up. I once heard him say that for years he didn't stop working for the day until he made at least one sale - no matter how late it got.

One of favorite stories about Ben is about a prominent real estate developer. Ben tried for weeks to get in to see the busy man but was always unsuccessful. One day, Ben stopped in cold and handed the developer's assistant the envelope with five $100 bills and asked her to give it to her boss. He told her "If I don't have a good idea for him, he can keep the money." He got in and sold a $14 million policy. Years later when Ben realized the man need additional insurance due to the unprecedented growth of his company; he was once again stymied by the man's insistence that he was too busy to take a physical. Undaunted, Ben rented a fully equipped mobile hospital van, hired a doctor and sent them to the industrialist. Rumor is that the man ended up with over $50 million in coverage.

In 1992, New York Life marked Ben's 50th year with the company by proclaiming "Feldman's February", a national sales competition. Ben took this as a personal challenge. The winner of the contest (at 80 years old) was Ben Feldman.

There are so many diamond rings out there how can you even begin to choose one. Diamonds are very old dating back billions of years even before the dinosaurs were on the earth. The process of finding and excavating these very rare and precious jewels has taken a lot of time and money hence their cost. Even today with modern equipment diamonds are still not easy to find and geologists search the remotest corners of the world in their quest to find diamonds. Most diamonds end up as diamond rings, from the smallest to the largest. Diamonds rings are usually given as a symbol of love and a commitment of marriage at a later date.

Today you can look in all the jewelers shops and find a huge array of diamond rings and other types of jewelry, but diamonds are not as plentiful as they seem. So where do we go to find the diamond ring of our choice, these days there are many places Jewelers, the Internet Catalogues and even your daily newspaper magazine. Diamonds are classified by there size and their clarity (quality) and also there color, in other words you get what you pay for. Some places will offer discounts if you buy your diamond ring from them or maybe give you free insurance so it does pay to shop around and not go for the first one that you see.
The diamond ring you purchase will hopefully be on your finger for a very long time so choose wisely. When buying your diamond ring do not forget to insure it properly many insurance policies only cover an amount of up to £500 for jewelry so your diamond ring will have to be insured as a separate item, so check your policy to avoid losing out should the ring become lost or stolen.

Also remember the difficulty in finding these diamonds and the fact that they are in short supply, did you know all the diamonds that have ever been polished would only fit in one double decker bus, makes you think !

It is important to care for your diamond once you have chosen it, your daily tasks of cleaning and using household products can leave a film over the diamond which stops it from shining, you may have purchased a diamond ring that has been coated to avoid this but if not try soaking the ring in mild soapy water and using a soft brush to remove any debris. Although diamonds are extremely hard and durable if they have been treated with something to hold the shine using a hard brush or scrubbing too vigorously could remove this protective coating so take care when you do decide to clean your diamond ring.

If you are in love with someone very special and want to spend your rest of the life with her then the best way to express your love is diamond engagement ring. Diamond engagement rings are the ideal symbol of true love and commitment. And the trend of presenting diamond ring to your woman is not new-fangled but it is a custom which is followed from many centuries. And people are following this tradition today also with same excitement. But always remember that buying a wonderful diamond engagement ring for your lady can be little intimidating and risky task. Generally the question which comes in our mind is that whether your lady will like the ring or not.

Hence it is good to allow your lady to select the ring for herself. This way you will be assured that your lady will definitely love the ring. But if you are planning to give her a surprise then there are few things which you must bear in your mind.

And the most important thing which you must consider is the liking of your lady. Always remember that you must buy your ring according to the choice of your lady because it is your first gift of love and the value of this gift increases when you will slip the ring on your lady's ring finger. You can know her taste by paying attention to the jewellery she wears daily. You can also take help from her friends or relatives. But make sure that they are ready to keep the secret.

The second most important thing which you must consider before buying your diamond engagement ring is the 4C'S of diamond. Always remember that you must never miss these four factors before you go for shopping because these four factors will only help you to determine the quality and price of diamond.
You must also consider the place from where you are buying your ring. As we all know that engagement rings are the most important piece of jewellery and everyone wants the best ring for their significant other hence it is very important to buy your ring from the reputed store. By buying your ring from the reputed store you will get the certificate of diamond issued by GIA. Hence you will be assured of the quality of your diamond.

You must also make sure to get the insurance of your diamond ring.
At last but not the least you must consider your budget. And if your budget is low then you can buy your diamond engagement ring online.

If you will keep these few things in your mind then you can easily find a perfect and wonderful diamond engagement ring for affordable prices.

Diamond engagement rings are expensive purchases. They can be as expensive as any real estate purchase so you may want your diamond engagement ring to be fully insured. Some people prefer to use their homeowners or renters policy but most homeowner or renters policies only cover up to around $500 to $1,000 and this is usually only for theft. If your engagement ring gets lost or damaged, that is not usually covered in the homeowners or renters policy. However, the aforementioned policies usually allow a floater or rider to be added on. For exact pricings, each insurance company is different. A person can also get a stand alone policy for their engagement ring. There is not much difference in the cost compared to getting a jewelry floater on your homeowner or renters policy. A floater or rider usually costs approximately $1.50 for every $100 of the engagement rings value. So if your engagement ring is $5,000, the insurance should cost about $50 to $100 per year to insure.

When you talk to the insurance agent you'll want to make sure that several things are included in the insurance policy. Make sure the exact ring value will be covered in the policy and also make sure loss, damage, and theft are included. Ask if there's a deductible and how much if there is one? Also find out the exact terms, conditions and process of repayment in the highly unlikely event that you'll need to make a claim.

Purchase an engagement ring with a GIA, EGL or AGS certification because some insurance companies will only accept these reputable third party laboratory gradings. Be sure you receive an appraisal from the jeweler that specifies the engagement ring details like exact diamond carat weight, clarity, color, cut, and of course dollar valuation. In review, the three documents you'll need to take to your insurer are the receipt, the appraisal and a GIA, EGL or AGS certification for the engagement diamond.

The first step to get the insurance, you need to apply the appraisal to confirm the value of a diamond. So you need to find an appraisal company first because the insurer requires knowing more about the quality of the stone include the color, clarity, weight and cut quality. You can choose the appraiser from their graduate gemologist degree: it is a certificate showing that the person has completed formal training and is able to identify precious stones.
After you find a qualified appraiser, make an appointment with him/her so you can continue to legally value your stone. Appraiser commonly cost around $100 to $300 based on the depth of report they have to make. Do not worry to left your stone because you can ask to present during the process. You should make sure that the appraiser could identify the quality as accurate as possible in order to get the reality. Do not disappoint with the result if it is said your stone are not high value. This condition will give you benefits because more value means higher insurance premiums later.

After you get the appraisal letter of your stone, you can continue to look for an insurance company. You can try to look for a special rider on a homeowner's policy which need for the special coverage because it is usually only cover for jewelry up to $1500 or so. This way will give you advantage as the reason you will get cheaper cost for premium insurance of insurance company.

But you also need to be careful because this way is far away from customer satisfaction which the coverage may only available for a lost or stolen. You can ask for the policy type of the insurance company given whether it is a cash value policy or a replacement policy.

If you did not interested to purchase homeowner' policy, you can get the insurance from its specification company. By this way, you can get cash back of the value if the diamond is lost or damaged. But you have to sacrifice your diamond eternity ring that the insurance covered.

After making sure the company you are going to purchase insurance, you can send them the appraisal to decide a final quote for the annual premium. Annual premium usually costs 1.5% of the appraisal result. So you can pay it annually, quarterly or even monthly depending on the insurance policy.

When considering how to find good diamond insurance for your precious diamond jewelry, there are a few things you need to know about diamond insurance policies, and what they cover
and don't cover. It's a specialized type of insurance, and your insurance agent may not have all the information he or she needs to craft a suitable policy for you, so it's up to you to come armed with all the particulars you're concerned
about. There are basically three types of diamond insurance available, and these are Actual Cash Value, Replacement Value, and Agreed Value. Actual Cash Value means that your diamond will be insured at today's actual market rate for
the diamond, irrespective of what you paid for it.
Replacement Value means that the insurance company will pay up to a certain amount to replace the diamond. They may actually pay lees than the policy states, as they can often get a better replacement deal than you can. Agreed Value is simply that; you and the insurance company come to an agreement on the value of the diamond, and that is what
they'll pay in the event of a loss. This type is rare, and if you can get it, jump on it! Most times people are steered into Replacement Value, but that shouldn't be your first
choice if you have one. Try for Agreed Value, then Actual Cash Value first.
Most diamond insurance polices are written as riders to your homeowners or renters insurance. There is one more major thing to keep in mind, especially as regards Replacement Value insurance. Don't opt for the insurance companies appraiser when assessing the value of your diamonds. They work for them, and you should know that if they set the value of your diamonds at $15,000 and after a loss they find they can replace the diamonds for $5000, that's what they'll do. Why that is significant is that all this time you'll have been paying premiums based on $15,000, not $5000. Big difference. Always insist on an independent appraiser. Finding good diamond insurance isn't all that hard, but like anything else when it comes to any type of insurance, you'll want to be armed with the facts so you won't overpay, or find yourself underinsured.

Are you considering to give a diamond engagement ring to the woman you are about to marry? Does your family possess treasured diamond pieces, which are being passed on from generation to generation as traditional family heirlooms? At present, diamonds are considered extremely valuable. However, these stones were not as precious as this several decades ago. In fact, the hype surrounding diamonds all started in 1947 when De Beers released their famous advertisement, which took the world by storm. Who hasn't heard of the famous slogan "A Diamond Is Forever"? This single line changed the way the world looks at diamonds forever!

Diamonds are now among the world's most expensive stones and as such, they are also considered as good investment pieces. Given this reality, it would be wise to insure your diamonds at the soonest time possible to protect your investment from theft or any untoward physical damage that may reduce its value considerably. However, insuring your diamonds may require a little extra effort. It needs some thoughtful planning and may require you to shop around a little to find the best options available.

Generally, there are three types of diamond insurance policy available for you to consider. These are the Replacement Value Policy, the Agreed Value Policy and the Actual Cash Value Policy. We will take a look at each one of these policies for you to determine which one suits you best.

The Replacement Value Policy - This is the most common type of diamond insurance policy available. Under this policy, the insurance company will only be liable to pay up to a certain fixed amount to replace the lost or damaged diamond. However, in most cases, the diamonds are replaced at a much lower value.

The Agreed Value Policy - This is by far the best diamond insurance policy there is but unfortunately, such policies are rarely offered. Under this type of coverage, the insurance company will simply pay you the amount that you and the company have agreed upon. Now, isn't that neat?

The Actual Cash Value Policy - In the event that the Agreed Value Policy is not available, the next best thing for you to look for is the Actual Cash Value Policy. In the unfortunate event that your diamond is lost or damaged beyond repair, the insurance company will be responsible in replacing your diamond at today's market value. However, this type of policy is also not very common.

There are a number of factors that may determine just how much you need to pay for your diamond insurance policy. Your rates will greatly be dependent on the value of your diamond, the type of insurance policy that you choose and the area that you live in. For example, let's say that you live in a high-crime area. You can therefore expect to pay more for your policy to cover the additional risks involved.

Another thing in insuring your diamonds - be sure to have them certified by a reputable gemological laboratory such as the Gemological Institute of America (GIA) and the American Gem Society (AGS). Be wary of other laboratories that may not be as credible as these two. Acquire a certificate (also called diamond grading report) for your diamond and use it as a solid proof of its value when applying for an insurance policy. This way, you save yourself from lengthy unwanted arguments with the insurance company if the diamond gets lost or damaged beyond repair in some future time!