Insurance

  • Most Topular Stories

  • Residents evacuate as Ore. wildfires grow

    PCI SmartBrief
    1 Aug 2014 | 5:10 am
     -More- 
  • For sale: A nearly nonexistent insurance agency

    INSURANCE - Yahoo News Search Results
    1 Aug 2014 | 1:27 am
    WASHINGTON (AP) — One of the country's largest overseers of troubled home loans, Nationstar Mortgage Holdings Inc., is quietly trying to sell a $100 million insurance agency that doesn't appear to exist.
  • Amerisafe Q2 Earnings Rise on Robust Underwriting, Shares Up

    Yahoo! Finance: Property & Casualty Insurance Industry News
    1 Aug 2014 | 6:00 am
  • Canada says Chinese hacking attack on research council caused major disruption

    Business Insurance - Web News
    1 Aug 2014 | 3:29 am
    Canada's government has said that a "highly sophisticated" Chinese hacking attack on the Canadian National Research Council momentarily shut down the council's computer systems, Sky News reported.
  • Healthcare & Cyber Risk Insurance

    Specialty Insurance Blog
    Specialty Insurance Blog
    15 Jul 2014 | 7:00 am
    All types of healthcare providers are at increased risk of data breach and should have comprehensive Cyber Risk Insurance. The FBI has issued warnings to the healthcare sector: Cyber actors will likely increase cyber intrusions against healthcare systems--to include medical devices--due to mandatory transition from paper to electronic health records, lax cybersecurity standards, and a higher financial payout for medical records in the black market. (see HealthData Management here) The healthcare industry is not as resilient to cyber intrusions compared to the financial and retail sectors,…
 
 
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    Specialty Insurance Blog

  • Healthcare & Cyber Risk Insurance

    Specialty Insurance Blog
    15 Jul 2014 | 7:00 am
    All types of healthcare providers are at increased risk of data breach and should have comprehensive Cyber Risk Insurance. The FBI has issued warnings to the healthcare sector: Cyber actors will likely increase cyber intrusions against healthcare systems--to include medical devices--due to mandatory transition from paper to electronic health records, lax cybersecurity standards, and a higher financial payout for medical records in the black market. (see HealthData Management here) The healthcare industry is not as resilient to cyber intrusions compared to the financial and retail sectors,…
  • Corporate Forms for Insurance Agents & Brokers

    Specialty Insurance Blog
    24 Jun 2014 | 7:00 am
    We previously discussed corporate forms for insurance agents & brokers a few years ago in Corporate Forms for Insurance Businesses, and would like to add a simple summary of the different choices – see here. It appears unlikely that the preferred forms for insurance agents & brokers – either an LLC or S-Corp – will change. Both are pass through entities for tax purposes, although the LLC form provides for more flexibility. The article, What Is the Best Legal Structure for Your Start-Up? (see here), provides a summary of each of the most popular corporate forms. Regarding outside…
  • Real Estate – Cyber Fraud Threat

    Specialty Insurance Blog
    10 Jun 2014 | 7:00 am
    Real estate firms, including real estate, title and escrow agents, are targets of Cyber fraud and should have Cyber Risk Insurance. As noted by KrebsonSecurity (see here), real estate and title agents are being warned of a new fraud scheme: The attackers intercept emails from title agencies providing wire transfer information for borrowers to transmit earnest money for an upcoming transaction. The scammers then substitute the title company’s bank account information with their own, and the unsuspecting would-be homeowner wires their down payment directly to the fraudsters. First American…
  • D&O Insurance & M&A Claims

    Specialty Insurance Blog
    27 May 2014 | 7:00 am
    A surprisingly high percentage of mergers and acquisitions (M&A) are contested by shareholders, which involve Directors & Officers (D&O) Insurance claims. According to a recent analysis by Cornerstone Research (see here), 94% of deals valued in excess of $100 million during 2013 were challenged by shareholders, up from 93% in 2012. The analysis is based on a review of shareholder suits, typically class actions, filed by shareholders of public companies. According to the study, 612 suits were filed, with each deal averaging 5 suits. The study does not include statistics for contested M&A deals…
  • Technology E&O, Products & Professional Liability Insurance – A Confluence of Coverage?

    Specialty Insurance Blog
    13 May 2014 | 7:00 am
    Technology is creating coverage challenges from the confluence of traditional E&O and products liability with technology related coverages such as technology E&O and Cyber Risk coverage. One example is the confluence of coverages in the medical device business. Professional Liability Insurance and Products Liability insurance have been discrete insurance products underwritten by different underwriters. Rapid change in technology is driving change in the delineation between products liability and professional liability for medical devices. In some cases it is hard to draw the line between a…
 
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    Work Comp Roundup

  • Who Commits The Most Workers Comp Fraud?

    Attorney Theodore Ronca
    31 Jul 2014 | 6:30 am
    The title of this piece was prompted by a blog-site discussion of who, besides claimants, commits comp fraud. Pardon if a New Yorker should display a bland smirk at such a question, since the answer has been obvious to us for, literally, a century. (We are in the process of celebrating our comp law’s hundredth anniversary this year.) New Yorkers quickly observe that all players in the system have a generous share of their members in the fraud guild.     NY Workers Comp Fraud: Prohibition   NY comp fraud quickly earned an honorable place in the decade following WWI. A host of…
  • New Zealand Officials Hand Out Workplace Fines

    Kori Shafer-Stack
    31 Jul 2014 | 5:30 am
    Officials in New Zealand continue to stay on top of workplace safety issues, looking to make safer conditions for workers.   WorkSafe NZ handed down charges recently against a company and two individuals following the death of 20 year-old Lincoln Kidd in a forestry accident near Levin in December of 2013.   The company has been charged under section 49 of the Health and Safety in Employment Act, which alleges the company, knew that serious harm was reasonably likely to be caused. The charge carries a maximum fine of $500,000. It has also been charged in the alternative under Section…
  • Consistently Obtain Positive Outcomes From Work Comp Claims

    Michael B. Stack
    30 Jul 2014 | 6:30 am
    No matter the type of claim, adjusters will get a feeling right away if a claim is going to be trouble or not. The first indication is from the first phone call to the employer. If the employer has a negative feeling about the injury and details surrounding the injury, it means that this claim could potentially be trouble.     Injury Response & Return To Work Program Need to Be Consistently Applied   Let’s face it–every employee is not a big fan of working their job day after day. Employers are not required to be huge fans of all of their employees as well. This is…
  • Washington State Updates Injured Worker Rates

    Kori Shafer-Stack
    30 Jul 2014 | 5:30 am
    Good news has come for many injured workers in Washington State.   For most workers* injured before July 1, 2013, time-loss and pension benefit payments will increase 2 percent based on the change in Washington’s average wage,as reported by the Department of Employment Security on June 26.   State law requires that benefits be recalculated each year to reflect the change in the state’s average wage from the previous calendar year.   The increase also applies to pension benefits paid to family members of those who died because of a work-related accident or disease.
  • Using Social Media to Fight Workers Compensation Fraud

    Michael B. Stack
    29 Jul 2014 | 6:30 am
    Most employees are honest. A few are not. When an employee presents an un-witnessed, subjective injury workers’ compensation claim, the smart employer will encourage the work comp adjuster to verify the validity of the claim.   Some bright, but unethical employees will present a bogus injury claim, or attempt to inflate a legitimate injury, and will think about how to cover their fraud tracks. However, most employees who commit workers’ compensation fraud do not maintain their fraudulent façade consistently throughout the course of their insurance claim. Often there is information…
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    Colorado Health Insurance Insider

  • Lost your job? Apply for Medicaid ASAP to have a qualifying event when you get another job

    Louise
    30 Jul 2014 | 11:45 am
    Job loss and short periods of unemployment are a relatively common part of life.  But with the new open enrollment rules in the individual health insurance market, it’s important that people understand exactly how the system works in order to avoid finding themselves stuck without health insurance.  Recently we’ve had several clients in this position, [...] The post Lost your job? Apply for Medicaid ASAP to have a qualifying event when you get another job appeared first on Colorado Health Insurance Insider. Related posts: What is a qualifying event? Health Insurance Enrollment…
  • From the Health Wonks… are men getting the short end of the stick?

    Louise
    17 Jul 2014 | 8:36 pm
    Jennifer from Wing of Zock hosted the Health Wonk Review today, and it’s an excellent edition.  One of the most interesting entries is from Hank Stern of InsureBlog, writing about the lack of covered men’s preventive services on new ACA-compliant plans. Overall, I agree with Hank on this one.  In the pre-ACA days, women by [...] The post From the Health Wonks… are men getting the short end of the stick? appeared first on Colorado Health Insurance Insider. Related posts: Contraceptive Coverage And The PPACA HHS Guidelines For Women’s Healthcare Short term health…
  • Burwell v Hobby Lobby – The Wisdom of Justice Ginsburg

    Louise
    2 Jul 2014 | 1:48 pm
    I’ve spent the last two evenings reading the text of Burwell v Hobby Lobby.  That might sound dull, but I highly recommend it – far more interesting than the text of the ACA or the thousands of pages of associated federal regulations that have been released to supplement it.  It’s 95 pages, but it’s a relatively [...] The post Burwell v Hobby Lobby – The Wisdom of Justice Ginsburg appeared first on Colorado Health Insurance Insider. Related posts: Colorado Judge Rules Against Contraceptive Mandate John Roberts and the PPACA SCOTUS Ruling And You Thought Gender…
  • 2015 Obamacare Open Enrollment is November 15, 2014 through February 15, 2015

    Louise
    25 Jun 2014 | 2:37 pm
    The 2015 Obamacare open enrollment period is just around the corner – less than five months away now.   If you have a qualifying event between now and November 15, you can enroll during your special open enrollment period.  But if not, here’s what you need to know: 2015 Obamacare Open enrollment will begin on November 15, 2014 [...] The post 2015 Obamacare Open Enrollment is November 15, 2014 through February 15, 2015 appeared first on Colorado Health Insurance Insider. Related posts: Open Enrollment For Individual Health Insurance Plans Starting in 2014 Connect for Health…
  • Colorado CHP+ and exchange subsidy eligibility

    Louise
    24 Jun 2014 | 3:06 pm
    By now, I think most of our readers are aware that Colorado is one of the states that expanded Medicaid under the ACA, and that exchange subsidy eligibility begins where Medicaid eligibility ends – there is no overlap.  Households with incomes up to 133% of poverty level (actually 138%, because the law has a built-in 5% [...] The post Colorado CHP+ and exchange subsidy eligibility appeared first on Colorado Health Insurance Insider. Related posts: Exchange Subsidy Eligibility Impeded By High-Priced Group Health Insurance Access Will The Colorado Health Benefits Exchange Be Integrated…
 
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    Home Insurance Blog

  • A Different Spin on Tornado Movies

    Eli Pacheco
    31 Jul 2014 | 1:03 pm
    In the thick of the summer storm season, Hollywood has forecast an onslaught on the movie-goers’ senses: Into the Storm. This movie, which will hit theaters Aug. 8, details a town’s battle against powerful tornadoes. It’s an epic event in which people race for cover while storm seekers delve headlong right into the vortex. Into the Storm stars Richard Armitage (of the British TV show North & South), Sarah Wayne Callies (Prison Break) and Matt Walsh (Veep). Just as in many weather/disaster flicks, Into the Storm contains moments of suspense and real-life horror of a…
  • Don’t Go to Sleep on Hurricane Season

    Eli Pacheco
    25 Jul 2014 | 12:22 pm
    Waiting for Hurricane Bertha? Counting the days until Hurricane Cristobal hits? It’s been more crickets than cyclones this hurricane season so far. But don’t let that slow start fool you: Hurricanes are still a tremendous risk for coastal communities this summer. Hurricane Arthur ran a haphazard course up the East Coast on Independence Day weekend. Arthur limped off the coast of Nova Scotia, Canada, as a post-tropical cyclone on July 5. Ever since, the tropics have lacked the rowdiness you’d expect at this point in a hurricane season. The season count: One named storm from…
  • How Your Home Insurance Travels With You

    Katherine Wood
    15 Jul 2014 | 8:24 am
    Unless you own a mobile home or RV, your summer trips this year involve leaving home. You can’t bring your house with you, but certain aspects of your home insurance protection follow you when you step out. Your premiums go toward more than your physical living space – they also keep your home ready and safe while you’re out. Here are three ways your home insurance coverage can help you even when you’re away: It safeguards your stuff, even outside the house Here’s a fact commonly overlooked by homeowners: Your personal property, even those items not stored in your…
  • With a Bang: Do’s and Don’ts for July 4th Fireworks Safety

    Katherine Wood
    2 Jul 2014 | 6:27 am
    Each year around the Fourth of July, fireworks illuminate the night sky. While fireworks are an American Independence Day tradition, the rockets’ red glare can be extremely dangerous. More fires are reported on July 4th, according to the National Fire Protection Association, than on any other day of the year, and 40% are fireworks-related. Fireworks not only explode but they also can spark fires that pose a danger to the public. U.S. emergency rooms treated an estimated 8,700 people for fireworks-related injuries in 2012, according to the NFPA. Also that year, the NFPA reported 17,800…
  • Most Expensive Suburbs to Insure a Home

    Katherine Wood
    26 Jun 2014 | 9:34 am
    U.S. suburbs are often a first choice for homeowners who want the opportunity to work in a big city while still maintaining a backyard and plenty of space.  But how much does it cost to insure your property from one suburb to the next? To rank home insurance costs in these top U.S. suburbs, we ran quotes with leading U.S. carriers on the same three-bedroom, two-bathroom, 2,000-square-foot home in each community.  The only variable? Location. As it turns out, where you are in the U.S. can have you paying up to three times as much for coverage than the owner of a comparable house in another…
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    Insurance Law Hawaii

  • Allegations that Carrier Failed to Adequately Investigate Survive Demurrer

    Tred Eyerly
    30 Jul 2014 | 3:01 am
       The California Court of Appeal reversed the trial court's dismissal of a complaint alleging bad faith for the insurer's failure to adequately investigate the claim. Maslo v. Ameriprise Auto & Home Ins., 2014 Cal. App. LEXIS 564 (Cal. Ct. App. June 27, 2014).    The insured was injured in an auto accident caused by an uninsured motorist. The insured sought policy limits of $250,000 from the insurer. In response, the insurer demanded arbitration. The arbitrator awarded $164,120.91.   The insured sued, alleging the breach of the covenant of good faith and fair dealing. The…
  • Coverage for Construction Defect Barred by Contractual-Liability Exclusion

    Tred Eyerly
    28 Jul 2014 | 3:01 am
       Relying upon precedent from the Texas Supreme Court, the Fifth Circuit upheld the District Court's denial of coverage based upon the policy's contractual-liability exclusion. Crownover v. Mid-Continent Cas. Co., 2014 U.S. App. LEXIS 12158 (5th Cir. June. 27, 2014).     The Crownovers entered a construction contract with Arrow Development, Inc. to construct a home. Paragraph 23.1 of the contract contained a warranty-to-repair clause, which provided Arrow "would correct work . . . failing to conform to the requirements of the Contract Documents." After the work was…
  • Unrelated Claims Against Architects Amount to Two Different Claims

    Tred Eyerly
    23 Jul 2014 | 3:39 pm
       The Second Circuit found that two claims arising from the same project were unrelated, creating two separate payments by the insurer for the two separate claims. Dormitory Auth. of New York v. Continental Cas. Co., 2014 U.S. App. 12088 (2nd Cir. June 23, 2014).    In 1995, the State agency contracted with the insured architectural firm to design and oversee the construction of a new dormitory at City University of New York. Plans drawn by the architects erred in their estimate of the steel requirement. To recover losses from the resulting delay and expense, the agency sent a demand…
  • Power Point Presentation on Nautilus v. Lexington Case

    Tred Eyerly
    22 Jul 2014 | 5:48 pm
         Here is our power point from today's presentation to the Hawaii State Bar Association's Litigation and Insurance Coverage Litigation sections. We discussed "other insurance" clauses as addressed by the Hawaii Supreme Court in Nautilus Ins. Co. v. Lexington Ins. Co., 132 Haw. 283, 321 P.3d 634 (2014).
  • "Other Insurance" Clauses to Be Discussed at Hawaii Bar Association Meeting

    Tred Eyerly
    16 Jul 2014 | 8:21 pm
       On July 22, 2014, Richard Moser (Anderson Kill), Joseph Kotowski (Tom Petrus & Miller) and I (Damon Key Leong Kupchak Hastert) will make a joint presentation to the Litigation and Insurance Coverage Litigation sections of the Hawaii State Bar Association. We will discuss a recent decision issued by the Hawaii Supreme Court, Nautilus Ins. Co. v. Lexington Ins. Co., 132 Haw. 283, 321 P.3d 634 (2014). The decision addresses the impact of competing "other insurance" clauses in implicated policies and analyzes the process for sorting out which policy is primary and which is…
 
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    TDI News Releases

  • ryanbrannan

    28 Jul 2014 | 2:46 am
    07/28/14 - AUSTIN –Texas Insurance Commissioner Julia Rathgeber today issued the following statement on the appointment of Ryan Brannan as Commissioner of the Division of Workers’ Compensation.
  • appoints

    25 Jul 2014 | 8:53 am
    07/25/14 - AUSTIN – Commissioner of Insurance Julia Rathgeber has appointed a committee of health care professionals and consumers with experience in prior authorizations to advise her on the technical, operational, and practical aspects of developing the single standard prior authorization form for requesting prior authorization.....
  • tdienforce

    21 Jul 2014 | 6:57 am
    07/21/14 - AUSTIN – The Texas Department of Insurance has updated summaries of enforcement actions naming licensed insurance agents, insurance companies and other regulated entities on the agency website
  • amsafety

    7 Jul 2014 | 12:58 am
    07/7/14 - AUSTIN – Continuing the State Fire Marshal’s series of statewide meetings to reinforce best practices for ammonium nitrate (AN) storage facilities, Fire Marshal Chris Connealy will be speaking in Paris on July 14, 2014. Attendees will be county officials and first responders from Lamar and Delta counties.
  • julyselfinsure

    2 Jul 2014 | 5:20 am
    07/2/14 - AUSTIN, TX — The Division of Workers’ Compensation (DWC) approved twelve renewals of the Certificates of Authority for companies to self-insure their workers’ compensation claims for a one-year period under the DWC Self-Insurance Program. These companies collectively employ approximately 36,678 employees in Texas.
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    WordPress Tag: Auto Insurance

  • Even Rookies Can Save Like Professionals Using These Auto Insurance Tips

    targetup2014
    19 Jul 2014 | 3:25 am
    TIP! Cutting back on the miles driven a year could make your monthly insurance go down. If you drive infrequently, many insurance companies will reduce your premium. Auto insurance is large part of being a responsible vehicle owner. However, auto insurance policies seem to be written in the most confusing terms possible. This article can help you to better understand what all of those terms mean. By understanding the terms of the auto insurance world, you will be a more informed consumer. TIP! If you are thinking about buying aftermarket parts for your vehicle, speak with your insurance…
  • Tips On How To Get Cheap Car Insurance Rates

    whyinsured
    18 Jul 2014 | 3:08 pm
    TIP! Don’t just buy the first insurance policy that you see; take the time to look at everything that is available to you. Insurance companies quote you a rate depending on various factors. Learning the ins and outs of insurance coverage will help you get the right coverage at the right price. Insurance companies take many different factors into account to determine which drivers get good rates and which drivers get not-so-good rates. TIP! Before you purchase a vehicle, look into how much it will cost to insure the car. Insurance company agents can give you a list of cars which have the…
  • How You Can Take Full Advantage Of Your Auto Insurance

    workableprosper38
    18 Jul 2014 | 1:42 pm
    In the event you own an auto, you want automobile insurance. You have lots of different possibilities in relation to your insurance policy possibilities. When thinking about buying aftermarket automobile developments, measure the sum that insurance plan handles in robbery or injury. Insurance policy often will not provide insurance of these elements, only within the worth that may be included with the car’s entire benefit, which happens to be frequently not really a whole lot. Examine insurance premiums when you are automobile store shopping.Your insurance agent will tell you what…
  • INFORMED DECISIONS ON CATASTROPHE RISK for Flood. Very Important for Fort Lauderdale and Broward County!!

    homeinsuranceguru
    18 Jul 2014 | 11:39 am
    Please call L & S Insurance at 1-888-244-7400 for quotes on Home, Flood, Business & Commercial, & Life & Financial products as well. Six months after Hurricane Sandy, we surveyed homeowners in New York City who live in a flood-prone area about their flood risk perceptions and flood insurance purchases. The survey is part of a research program in conjunction with the Zurich flood resilience alliance that seeks to improve community flood resilience. The survey was completed by 1,035 people who own a home with a ground floor in a flood-prone area of New York City. All respondents…
  • The Way To Take Full Advantage Of Your Car Insurance

    undesirablejam630
    18 Jul 2014 | 9:32 am
    You need automobile insurance should you individual an auto. You have a lot of different options in relation to your insurance coverage options. When thinking about buying aftermarket vehicle additions, look at the quantity that insurance includes in robbery or damage. Insurance coverage often is not going to supply coverage for such components, only within the worth that is certainly added to the car’s entire value, that is often not a great deal. Verify insurance rates whenever you go vehicle store shopping.Your insurance agent will tell you what autos have lower rates. An automobile…
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    Insurance RSS Feed | JD Supra Law News

  • CHI Takes the Plunge into the Insurance Business

    Faegre Baker Daniels
    31 Jul 2014 | 4:33 pm
    For several years now hospital systems have been tip-toeing around the business of health insurance. They’ve been signing up for Medicare Advantage plans, taking on more and more risk, managing care and raiding health insurance companies for...By: Faegre Baker Daniels
  • Insurance Recovery Law - July 2014 #3

    Manatt, Phelps & Phillips, LLP
    31 Jul 2014 | 3:02 pm
    Washington Supreme Court Rules That It Was Error To Delay Adjudication Of Insurer’s Duty To Defend, But Should Stay Discovery As To Insurer’s Coverage Defenses - Why it matters: The Washington Supreme Court handed down two holdings that should...By: Manatt, Phelps & Phillips, LLP
  • California Insurance Coverage Cases Raising Key Issues On The Horizon

    Nossaman LLP
    31 Jul 2014 | 2:27 pm
    This year, 2014, is lining up with interesting insurance coverage cases pending across the country which may lead to far reaching decisions. In California specifically, it is apparent to us that the Hartford Insurance Company has been dominating...By: Nossaman LLP
  • New Mandatory Exclusions in Standard CGL Policies Limit Coverage for Data Breaches

    Proskauer - Insurance Recovery & Counseling
    31 Jul 2014 | 12:55 pm
    The insurance industry continues to respond to the growing threat of data breaches by directing businesses facing that risk towards new, risk-specific cyber insurance products, while attempting to restrict coverage for data breaches under standard...By: Proskauer - Insurance Recovery & Counseling
  • Los Angeles County Sues Hospital Owner for False Surgical Implant Claims to County Workers’ Compensation Program

    Akin Gump Strauss Hauer & Feld LLP
    31 Jul 2014 | 12:34 pm
    On July 18, 2014, the County of Los Angeles (“the County”) filed a lawsuit in Los Angeles Superior Court again Michael D. Drobot, Sr., his son Michael R. Drobot, Jr. and their controlled entities, Pacific Hospital of Long Beach and International...By: Akin Gump Strauss Hauer & Feld LLP
 
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  • Type of weather that's most deadly

    1 Aug 2014 | 5:41 am
    Type of weather that's most deadlyNASA Goddard Photo and Video/FlickrAt least 2,000 people a year die from extreme weather -- but hurricanes, tornadoes and heat waves aren't the top culprit.Event that can be most fatal More to see Hot air balloon hit power linesLast Enola Gay crew member dies
  • Gaza cease-fire cracks under 'flagrant' violation

    1 Aug 2014 | 5:41 am
    Gaza cease-fire cracks under 'flagrant' violationAPAfter agreeing to an unconditional halt in fighting for three days, the lull in violence was broken merely two hours later on Friday morning.Why there were 'no guarantees'More on the conflictIs Israel responsible for Gazans?'Unthinkable' future for some
  • Hollywood's 'Godfather of makeup' dies

    1 Aug 2014 | 5:41 am
    Hollywood's 'Godfather of makeup' diesAPDick Smith, the Oscar-winning makeup artist who captivated and terrified moviegoers for decades, has died at 92.Credits to his name might amaze youIn other newsKim Kardashian's very rare selfieBrangelina's very real love notes
  • Gas explosion rocks Taiwan, at least 25 killed

    1 Aug 2014 | 5:41 am
    Gas explosion rocks Taiwan, at least 25 killedAPHundreds were injured when a gas leak caused a series of explosions in Taiwan's second largest city Thursday.Devastating destruction to roads and buildingsIn other newsRuth Bader Ginsburg here to staySeaWorld, Southwest end partnership
  • This one heart attack fact could save your life

    1 Aug 2014 | 5:41 am
    This one heart attack fact could save your lifeThe time a heart attack patient arrives at the hospital can affect the patient's chance of survival.Days associated with a 13% higher risk of deathMore from Everyday HealthReduce your stroke riskWomen's heart health
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  • Type of weather that's most deadly

    1 Aug 2014 | 5:41 am
    Type of weather that's most deadlyNASA Goddard Photo and Video/FlickrAt least 2,000 people a year die from extreme weather -- but hurricanes, tornadoes and heat waves aren't the top culprit.Event that can be most fatal More to see Hot air balloon hit power linesLast Enola Gay crew member dies
  • Gaza cease-fire cracks under 'flagrant' violation

    1 Aug 2014 | 5:41 am
    Gaza cease-fire cracks under 'flagrant' violationAPAfter agreeing to an unconditional halt in fighting for three days, the lull in violence was broken merely two hours later on Friday morning.Why there were 'no guarantees'More on the conflictIs Israel responsible for Gazans?'Unthinkable' future for some
  • Hollywood's 'Godfather of makeup' dies

    1 Aug 2014 | 5:41 am
    Hollywood's 'Godfather of makeup' diesAPDick Smith, the Oscar-winning makeup artist who captivated and terrified moviegoers for decades, has died at 92.Credits to his name might amaze youIn other newsKim Kardashian's very rare selfieBrangelina's very real love notes
  • Gas explosion rocks Taiwan, at least 25 killed

    1 Aug 2014 | 5:41 am
    Gas explosion rocks Taiwan, at least 25 killedAPHundreds were injured when a gas leak caused a series of explosions in Taiwan's second largest city Thursday.Devastating destruction to roads and buildingsIn other newsRuth Bader Ginsburg here to staySeaWorld, Southwest end partnership
  • This one heart attack fact could save your life

    1 Aug 2014 | 5:41 am
    This one heart attack fact could save your lifeThe time a heart attack patient arrives at the hospital can affect the patient's chance of survival.Days associated with a 13% higher risk of deathMore from Everyday HealthReduce your stroke riskWomen's heart health
  • add this feed to my.Alltop

  • Type of weather that's most deadly

    1 Aug 2014 | 5:41 am
    Type of weather that's most deadlyNASA Goddard Photo and Video/FlickrAt least 2,000 people a year die from extreme weather -- but hurricanes, tornadoes and heat waves aren't the top culprit.Event that can be most fatal More to see Hot air balloon hit power linesLast Enola Gay crew member dies
  • Gaza cease-fire cracks under 'flagrant' violation

    1 Aug 2014 | 5:41 am
    Gaza cease-fire cracks under 'flagrant' violationAPAfter agreeing to an unconditional halt in fighting for three days, the lull in violence was broken merely two hours later on Friday morning.Why there were 'no guarantees'More on the conflictIs Israel responsible for Gazans?'Unthinkable' future for some
  • Hollywood's 'Godfather of makeup' dies

    1 Aug 2014 | 5:41 am
    Hollywood's 'Godfather of makeup' diesAPDick Smith, the Oscar-winning makeup artist who captivated and terrified moviegoers for decades, has died at 92.Credits to his name might amaze youIn other newsKim Kardashian's very rare selfieBrangelina's very real love notes
  • Gas explosion rocks Taiwan, at least 25 killed

    1 Aug 2014 | 5:41 am
    Gas explosion rocks Taiwan, at least 25 killedAPHundreds were injured when a gas leak caused a series of explosions in Taiwan's second largest city Thursday.Devastating destruction to roads and buildingsIn other newsRuth Bader Ginsburg here to staySeaWorld, Southwest end partnership
  • This one heart attack fact could save your life

    1 Aug 2014 | 5:41 am
    This one heart attack fact could save your lifeThe time a heart attack patient arrives at the hospital can affect the patient's chance of survival.Days associated with a 13% higher risk of deathMore from Everyday HealthReduce your stroke riskWomen's heart health
 
  • add this feed to my.Alltop

  • Type of weather that's most deadly

    1 Aug 2014 | 5:41 am
    Type of weather that's most deadlyNASA Goddard Photo and Video/FlickrAt least 2,000 people a year die from extreme weather -- but hurricanes, tornadoes and heat waves aren't the top culprit.Event that can be most fatal More to see Hot air balloon hit power linesLast Enola Gay crew member dies
  • Gaza cease-fire cracks under 'flagrant' violation

    1 Aug 2014 | 5:41 am
    Gaza cease-fire cracks under 'flagrant' violationAPAfter agreeing to an unconditional halt in fighting for three days, the lull in violence was broken merely two hours later on Friday morning.Why there were 'no guarantees'More on the conflictIs Israel responsible for Gazans?'Unthinkable' future for some
  • Hollywood's 'Godfather of makeup' dies

    1 Aug 2014 | 5:41 am
    Hollywood's 'Godfather of makeup' diesAPDick Smith, the Oscar-winning makeup artist who captivated and terrified moviegoers for decades, has died at 92.Credits to his name might amaze youIn other newsKim Kardashian's very rare selfieBrangelina's very real love notes
  • Gas explosion rocks Taiwan, at least 25 killed

    1 Aug 2014 | 5:41 am
    Gas explosion rocks Taiwan, at least 25 killedAPHundreds were injured when a gas leak caused a series of explosions in Taiwan's second largest city Thursday.Devastating destruction to roads and buildingsIn other newsRuth Bader Ginsburg here to staySeaWorld, Southwest end partnership
  • This one heart attack fact could save your life

    1 Aug 2014 | 5:41 am
    This one heart attack fact could save your lifeThe time a heart attack patient arrives at the hospital can affect the patient's chance of survival.Days associated with a 13% higher risk of deathMore from Everyday HealthReduce your stroke riskWomen's heart health
  • add this feed to my.Alltop

  • Type of weather that's most deadly

    1 Aug 2014 | 5:41 am
    Type of weather that's most deadlyNASA Goddard Photo and Video/FlickrAt least 2,000 people a year die from extreme weather -- but hurricanes, tornadoes and heat waves aren't the top culprit.Event that can be most fatal More to see Hot air balloon hit power linesLast Enola Gay crew member dies
  • Gaza cease-fire cracks under 'flagrant' violation

    1 Aug 2014 | 5:41 am
    Gaza cease-fire cracks under 'flagrant' violationAPAfter agreeing to an unconditional halt in fighting for three days, the lull in violence was broken merely two hours later on Friday morning.Why there were 'no guarantees'More on the conflictIs Israel responsible for Gazans?'Unthinkable' future for some
  • Hollywood's 'Godfather of makeup' dies

    1 Aug 2014 | 5:41 am
    Hollywood's 'Godfather of makeup' diesAPDick Smith, the Oscar-winning makeup artist who captivated and terrified moviegoers for decades, has died at 92.Credits to his name might amaze youIn other newsKim Kardashian's very rare selfieBrangelina's very real love notes
  • Gas explosion rocks Taiwan, at least 25 killed

    1 Aug 2014 | 5:41 am
    Gas explosion rocks Taiwan, at least 25 killedAPHundreds were injured when a gas leak caused a series of explosions in Taiwan's second largest city Thursday.Devastating destruction to roads and buildingsIn other newsRuth Bader Ginsburg here to staySeaWorld, Southwest end partnership
  • This one heart attack fact could save your life

    1 Aug 2014 | 5:41 am
    This one heart attack fact could save your lifeThe time a heart attack patient arrives at the hospital can affect the patient's chance of survival.Days associated with a 13% higher risk of deathMore from Everyday HealthReduce your stroke riskWomen's heart health
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    Artemis.bm - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management Blog

  • Church of England investor enjoys reinsurance linked returns with CATCo

    Artemis
    1 Aug 2014 | 2:31 am
    The range of investors accessing the returns of the insurance and reinsurance market through investments in insurance-linked securities and reinsurance linked investment funds is growing all the time, as the popularity and awareness of the space increases. It’s interesting to see the diverse mix, from pension funds which can be global corporate pensions, to small local authority pensions, to endowments, to private family offices, to sovereign wealth funds, to hedge funds, fixed income investors and also, it transpires, the investment manager of the Church of England. CCLA Investment…
  • AXIS begins ceding business to third-party capital at AXIS Re Ventures

    Artemis
    1 Aug 2014 | 12:28 am
    Bermuda headquartered insurance and reinsurance group AXIS Capital Holdings has begun to deploy some of the capital it raised for its third-party reinsurance capital management unit, AXIS Re Ventures, in the last quarter. AXIS raised its first $50m of third-party capital in the first-quarter of 2014, after beginning operations of the AXIS Re Ventures unit on the first of the year. The $50m of initial capital commitments has grown in value slightly up to the end of Q2, with non-controlling interests at the firm representing the third-party capital now listed as $52.795m. During the firms…
  • SCOR restructures or cancels 15% of P&C reinsurance book

    Artemis
    31 Jul 2014 | 6:52 am
    French reinsurance company SCOR continued its selective approach to property catastrophe underwriting during the second-quarter of the year, restructuring or cancelling 15% of the SCOR Global P&C book as it maintained its disciplined approach. SCOR is the first of the global reinsurers to report its results for the second-quarter this year and it’s results show that a disciplined, selective approach and a willingness to forgo business which does not meet its return or risk management requirements is a solid strategy. SCOR grew its premiums across the business, as it sought out…
  • BMS Capital Advisory launches as ILS focused broker-dealer

    Artemis
    31 Jul 2014 | 5:27 am
    BMS Capital Advisory has been launched today by Minova Insurance Holdings, as the BMS insurance and reinsurance brokerage group gears up to target the insurance-linked securities (ILS) sector with its own broker-dealer and capital markets facilitator. BMS Capital Advisory, an affiliate of the U.S. reinsurance brokerage arm of BMS Group, BMS Intermediaries, now has its SEC license to act as a registered broker-dealer and is a member of both the Financial Industry Regulatory Authority (FINRA) and Securities Investor Protection Corporation (SIPC). That means its ready for business, which will…
  • Alternative life reinsurance capital is competition and opportunity: RGA CEO

    Artemis
    31 Jul 2014 | 3:15 am
    The impact of alternative reinsurance capital in the life reinsurance sector provides one of the largest traditional players with both competition and new opportunities, according to the CEO of Reinsurance Group of America. Reinsurance Group of America has around $2.9 trillion of life reinsurance in force at any one time and total assets of $39.7 billion, making it one of the largest life focused reinsurance players in the world. With alternative and third-party reinsurance capital seeking out new opportunities and some ILS managers already having a life focus, it’s no surprise to hear…
 
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    Free Insurance Magazines and Downloads from alltop.tradepub.com

  • Avoiding Penalties and Earning Tax Credits: 7 Reasons To Choose Business Health Insurance Now

    28 Jul 2014 | 12:00 am
    Business health insurance has undergone some significant changes in recent years, transforming the way companies provide health insurance for their employees. Health insurance plans provided by employers today typically fall under one of three main categories; Preferred Provider Organizations (PPOs), Health Maintenance Organizations (HMOs), and Point Of Service (POS) plans. There are several important questions to ask before choosing the right provider and this guide is designed to assist you in navigating your way through the many available options and choosing the right plan for your…
  • New Frontiers in Managing Agents and Compensation

    23 Jul 2014 | 12:00 am
    Insurance companies of all sizes and lines of business have invested heavily in policy administration and claims system transformations over the last several years.This discussion, features a panel of industry veterans, explores the benefits available to firms that take advantage of analytics technology available today.Request Free!
  • How to Streamline Your Practice with Medical Management Software

    18 Jul 2014 | 12:00 am
    The right package can help you create less work for your staff. It can also increase patient satisfaction. Practice management systems typically include useful features such as: Billing process manager Appointment scheduler Patient demographics capture Patient pre-registration Insurance eligibility check Insurance payer database Reports generation Practices that implement this technology typically see that it results in much more efficient billing, increased staff productivity, reduced operating costs and improved overall practice management. This guide is designed to assist medical practice…
  • Using Medical Billing Services To Streamline Your Practice

    16 Jun 2014 | 12:00 am
    The main reason most health care providers use medical billing services is to save money and increase the bottom line for the practice. Even after factoring in the service provider's fees, you will likely find that eliminating the time your staff spends on processing insurance claims results in direct cost savings. You can also expect to save on expenses such as salary, health care, insurance and training associated with maintaining an in-house billing staff.There are four key advantages to using a medical billing service:Cost savingsExpertiseFaster resultsIncreased collection revenueThis…
  • Retirement Advisor

    14 Mar 2014 | 11:20 am
    Retirement Advisor is at the intersection where insurance and investments meet, and it's a place where many of today's most successful advisors are taking their practices. Since 2008, it has been an emphasis in our editorial mission to focus on and champion dual-licensed advisors.Request Free!
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    InsureBlog

  • Medicaid Iceberg Ahead

    31 Jul 2014 | 7:14 pm
    One of the key provisions of Obamacare involves Medicaid expansion. But then SCOTUS through a wrench in the works making expansion optional. The result, 24 states said "no" to expansion, gumming up the works.And now this .........Just six states and the District of Columbia will use their own money in 2015 to sustain the federal Medicaid pay raise to primary care doctors, which was a key provision of the Affordable Care Act (Obamacare) intended to make sure millions of low-income people enrolling in the expanding insurance program have access to a physician.MedPage TodayWhat happens in the…
  • Anecdotal evidence piling up

    31 Jul 2014 | 12:00 pm
    David Williams, a Massachusetts-based healthcare industry consultant (and FoIB) has a very interesting new post from the Land of RomneyCare:"Obamacare caused one small businesses’s Blue Cross Blue Shield of Massachusetts premium to jump by 29 percent ... After that I heard from two other BCBS MA customers who were experiencing big premium hikes."David reached out to Blue Cross for confirmation and elucidation, and (surprisngly) they offered a helpful explication. Click on through for the unexpected twist.Original content copyright © InsureBlog
  • Too little, too late [UPDATED]

    31 Jul 2014 | 11:11 am
    Sing it, Johnny:"A nonpartisan congressional investigation has concluded that management failures by the Obama administration set the stage for the computer woes that paralyzed President Barack Obama's health care program website last fall"Which is nice, but what difference, at this point, does it make?UPDATE (HGS@7-31-14):Adding insult to injury, we now learn that the 404Care.gov site debacle cost  almost $1 Billion, and **still** needs work:"The price tag for healthcare.gov, the Obamacare website, is approaching $1 billion even as key features remain incomplete ... If the management…
  • When journalist/propogandist don't understand their subject, Is Medicare getting more efficent?

    31 Jul 2014 | 5:30 am
    Not sure if I should refer to Vox as journalism; their attempt at understanding the per-capita Part A spending is more along the lines of humor.But what's definitely clear — and what's driving this trend — is that Medicare is spending significantly less per person than they did two years ago. And this report expects that trend to continue for another two years going forward.Ms Kliff has a number of guesses of why this is, including Obamacare of course. What she misses is the most obvious one: Medicare growth usually happens when someone turns 65. And 65 year-olds have lower claims cost…
  • Liberals Must Hate Obamacare

    30 Jul 2014 | 1:00 pm
    A GOP lawsuit against the Obama administration on overstepping their constitutional authority in delaying the employer mandate in Obamacare has led to Democratic outcries and a platform to fundraise for their base. Liberals call the lawsuit frivolous and that an attempt to impeach the President will follow. They say it is a waste of money and a witch hunt designed to tear apart Obamacare. They also want GOP members of Congress to do their jobs and as the President said: "stop hating all the time."While the GOP lawsuit focuses on the employer mandate, it should be…
 
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    Workers Comp Insider

  • Health Wonk Review & More Noteworthy News

    Julie Ferguson
    17 Jul 2014 | 5:12 am
    Catch up on your Health Policy Wonkery for the summer - Jennifer Salopek has posted Health Wonk Review: Polar Vortex Edition at Wing Of Zock. It's a great edition and one of only two to be published during the abbreviated summer schedule, so get your wonk fix now! Up? Down? Sideways? What's up with health care costs? - Joe Paduda:...
  • Cavalcade of Risk

    Julie Ferguson
    14 Jul 2014 | 7:29 am
    R.J. Weiss of Weiss Insurance hosted last week's Cavalcade of Risk #212 - check it out! And while in the neighborhood,. check out his blog, too....
  • 3 Updates: Sheri Sangji lab death; Chilean miners; Tesora Plant explosion

    Julie Ferguson
    11 Jul 2014 | 8:05 am
    We've recently found interesting developments or updates on three stories that we've covered in the past: A settlement in criminal charges in the Sheri Sangji Lab death case; an in-depth feature on how the Chilean miners survived; and a four-year retrospective on the Tesoro Plant explosion that killed 7. Patrick Harran And L.A. District Attorney Reach Deal In Sheri Sangji...
  • Women of Steel

    Julie Ferguson
    27 Jun 2014 | 8:14 am
    Are there many women in construction? They represent about 9% of the industry. Dorothée Moisan offers an excellent feature on New York's Women of Steel, illustrated beautifully with photos by Jonathan Alpeyrie. Early pioneers talk about what it was like to break into the field. One little vignette from days gone by: "I remember a young woman very well,"...
  • Cavalcade of Risk #211: Lightning Round

    Julie Ferguson
    25 Jun 2014 | 6:30 am
    We're pleased to be hosting the 211th edition of Cavalcade of Risk and we give you the Lightning Round edition in honor of Lightning Safety Awareness Week. If you are struck by lightning, your odds are apparently pretty good of surviving the encounter - see the story of the Georgia man who was recently jolted out of his boots but...
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    Managed Care Matters

  • Delivery systems and workers’ comp

    Joe Paduda
    30 Jul 2014 | 4:30 am
    There’s been quite a bit of focus on alternate health care delivery methods of late, with medical homes and Accountable Care Organizations prominently noted as ways care will be improved and costs reduced.  One source indicates there are 270 ACOs currently operating with an estimated 20 million members. While the early evidence is somewhat mixed, in general the news is positive; a Pennsylvania ACO raised quality, and decreased infections and readmission rates, leading to a year over year decrease in medical costs.  Generally, ACOs involve facilities and providers agreeing to focus…
  • Adjusters are happier than we thought…

    Joe Paduda
    28 Jul 2014 | 8:29 am
    Jack’s been getting ever deeper into the world of the adjuster of late – here’s his latest post. Over the past couple weeks Joe and I developed and sent out an Adjuster Survey to get more insight into adjusters’ (and other front-line staff’s) work life. We are looking for first hand information as website reviews and other second-hand sources can be easily misinterpreted. Surprisingly, the response rate to date is an astronomical 24.4%.  We are delighted with our results, but we’re looking for more. Perhaps even more surprising adjusters’ views of their work life…
  • Friday catch-up – the work comp world

    Joe Paduda
    25 Jul 2014 | 4:43 am
    WorkCompCentral’s Joey Berlin wrote up the details of a presentation on chronic pain treatment featuring Gary Franklin MD, Medical Director of Washington state fund L&I, Kathryn Mueller MD, Medical Director of Colorado’s Work Comp department, Noah Aleshire of the National Center for Injury Prevention and Control, and John Hanna PharmD, Pharmacy Director of Ohio BWC. This august panel laid out the problem and discussed the potential for solutions including cognitive behavioral therapy, exercise, tight dosing and opioid treatment guidelines, and tight formularies. Hanna’s…
  • Monday catch-up

    Joe Paduda
    21 Jul 2014 | 4:54 am
    Summer is in full swing, which means the A/C is running at full blast in Florida and Texas, while those of us in upstate NY are gloating…I know, you will be soon when we’re subzero and you’re at 70… Things are supposed to slow down somewhat – they haven’t yet. Here’s what happened last week while I was working on a couple projects last week. P&C results The P&C industry is doing well – very well. For the second straight year it will show an underwriting profit, and the combined is still almost three points below 100. Rating agency…
  • HWR’s Polar Vortex edition

    Joe Paduda
    18 Jul 2014 | 8:59 am
    Bet you’re missing that polar vortex now, eh? Well, take your browser off to Wing of Zock’s edition of Health Wonk Review, and enjoy the chill.
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    Insurance Industry Blog

  • NOAA: Nuisance Flooding Increases On All Three U.S. Coasts

    Claire
    29 Jul 2014 | 4:17 am
    A new study from NOAA reminds us that as sea levels rise, it no longer takes a strong storm or hurricane to lead to flooding. So-called “nuisance flooding” – which results in public inconveniences such as frequent road closures, overwhelmed storm drains and compromised infrastructures – has increased on all three U.S. coasts by between 300 and 925 percent since the 1960s, according to NOAA. Eight of the top 10 U.S. cities that have seen an increase in nuisance flooding are on the East Coast. Annapolis and Baltimore, Maryland, lead the list with an increase in number of flood days of…
  • Maplecroft: Global Terrorism Fatalities Up 30%

    Claire
    23 Jul 2014 | 4:40 am
    Global fatalities from acts of terrorism jumped by 30 percent in the last year even as the number of attacks decreased, according to a new interactive mapping platform from risk analytics firm Maplecroft. Some 18,668 terrorism fatalities were recorded in the 12 months prior to July 1, up 29.3 percent from an annual average of 14,433 for the previous five years. Over the same period there were some 9,471 global terrorism attacks at an average of 26 a day, down from a five-year average of 10,468. This indicates that terrorist methods have become increasingly deadly over the last year,…
  • Cyber Risks Round-Up

    Claire
    18 Jul 2014 | 7:30 am
    No industry sector is immune from cyber threats, and a round-up of recent headlines and reports underscores the increasing risk and cost businesses face. Just this week, U.S. Treasury Secretary Jacob Lew urged financial institutions and firms to redouble their efforts against cyber threats and said information-sharing and collaboration among businesses and with government is key. Speaking at a conference in New York, Secretary Lew noted that the consequences of cyber incidents are serious and our cyber defenses are not yet where they need to be: Far too many hedge funds, asset managers,…
  • Commercial Insurance Rates Adjust Downward

    Claire
    16 Jul 2014 | 5:47 am
    Commercial insurance rates in the United States slipped to plus 2 percent in June 2014 from plus 3 percent in May, according to latest analysis from online insurance exchange MarketScout. Richard Kerr, CEO of MarketScout, said: The commercial market continues to adjust downward as a result of improved underwriting results and an abundance of capacity. In the aggregate, rates are still up slightly but the trend for rate moderation continues.” By coverage class, umbrella, workers’ compensation, D&O, and EPLI all moderated from the prior month with each registering a plus 1 percent rate…
  • No Gulf or Atlantic Coast Location Safe From Storm Surge Risk

    Claire
    11 Jul 2014 | 7:18 am
    Some 6.5 million U.S. homes with a total reconstruction value of nearly $1.5 trillion are at risk of damage from hurricane-driven storm surge, and more than $986 billion of that risk is concentrated in 15 metro areas, according to an annual report by CoreLogic. The 2014 analysis by CoreLogic found that by state, Florida ranks number one for the number of homes at risk, with nearly 2.5 million homes and $490 billion in total projected reconstruction costs. At the local level the New York metropolitan area (including northern New Jersey and Long Island) contains not only the most number of…
 
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    Dental Insurance Trends

  • How Many People Received Dental Insurance through Obamacare Exchanges?

    dentalinsurance.org
    31 Jul 2014 | 5:20 am
    By Jenifer Dorsey Numerous health insurance enrollment reports and analyses have been made available since Obamacare’s 2014 open-enrollment period concluded March 31, 2014. While it seems little information is available regarding the purchase of dental insurance plans under the Affordable Care Act, some data on adult and child dental benefits is beginning to come to light. Adult dental enrollment The U.S. Department of Health and Human Services reported that 1.1 million people selected a standalone dental insurance plan through the federally facilitated marketplace (i.e., the federally…
  • ADA: More Young Adults Have Dental Insurance Due to Obamacare ‘Spillover’ Effect

    dentalinsurance.org
    22 Jul 2014 | 10:54 am
    By Jenifer Dorsey While the Affordable Care Act may not require a parent’s dental insurance plan benefits extend to dependents age 19 and older, it seems more young adults have dental insurance benefits—and are using them—since the law took effect. In the two years (2011 and 2012) following the Affordable Care Act’s passage into law, at which point the dependent coverage provision took effect, access to dental care for young adults ages 19 to 25 rose 6.9 percentage points and utilization of dental services increased 3.3 percentage points, according to a new report published in Medical…
  • How Much Does a Dental Cleaning Cost without Insurance?

    dentalinsurance.org
    18 Jul 2014 | 9:44 am
    By Jenifer Dorsey Routine dental exams and cleanings are an important part of preventive dental care. A typical preventive dental visit will include an exam and professional cleaning, as well as topical fluoride and a set of X-rays, depending on your last dental visit and personal oral care needs. These visits, along with daily brushing and flossing, play an important role in maintaining good oral health. Without dental insurance, the national average costs of common preventive services are as follows, according to the American Dental Association[1]: Periodic examination by a general dentist…
  • Can You Still Buy Individual Dental Insurance in 2014?

    dentalinsurance.org
    16 Jul 2014 | 6:21 am
    By Jenifer Dorsey I’m a self-employed individual and purchased 2014 health insurance plan through my state’s Obamacare exchange. However, I did not buy dental insurance during the open-enrollment period and now I wish I had. Is it too late? Open enrollment for 2014 individual health insurance coverage may be closed, but you can still buy dental insurance this year. You do not need a special enrollment period, and you do not need to wait until 2015 open enrollment in November. Individual dental insurance plans are available year-round. Plus, using your smartphone, tablet or computer, you…
  • What to Do When Dependent Dental Benefits Don’t Last Through Age 26

    dentalinsurance.org
    10 Jul 2014 | 7:46 am
    By Jenifer Dorsey My 22-year-old daughter just graduated college, and we learned she can no longer receive benefits through my employer’s dental insurance plan. I thought dependents had to be covered through age 26.  Under the Affordable Care Act, dental insurance plans are not held to the same provisions as health insurance plans. This applies to both the individual and group dental marketplaces. Nonetheless, that does not mean all dental insurance plans will age out dependents once they reach 19 or cease to become full-time students through age 23. Employers may opt to offer dependent…
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    Go Health Insurance Blog

  • Seven Tips to Start Your Morning off Right

    GoHealth
    30 Jul 2014 | 12:12 pm
    The blaring alarm, the knee-jerk reaction of hitting your snooze button, being able to find that perfect comfy spot within a nano-second, convincing yourself you really only need 6 minutes to get ready today and hitting snooze a second time – sound familiar? Getting up in the morning isn’t the easiest thing to do but it can set the tone for the rest of your day. Making small changes to your usual routine can have positive effects on your daily productivity, mood, and overall health. Check out this list of seven tips to start your morning off right. Stop the Snoozefest We understand the…
  • GoHealth Breaks Down Conflicting Rulings on Obamacare Subsidies

    GoHealth
    22 Jul 2014 | 2:00 pm
    Two separate federal appeals court panels made opposite rulings that could potentially impact how much millions of people pay for health insurance. Details on the Decisions States can decide whether to use the federal government’s marketplace (HealthCare.gov) to help people shop for health insurance, or create their own online insurance exchange. On Tuesday, the panel from the US Court of Appeals for the District of Columbia Circuit decided that based on the way the Affordable Care Act was written, states that use the federal exchange cannot offer tax subsidies that lower the cost of…
  • Your Roadmap to Health Coverage when Expecting a Baby

    GoHealth
    16 Jul 2014 | 1:46 pm
    With a baby on the way, many things are bound to change – your appetite (hello 2 a.m. pickle cravings), your body, and your health coverage needs. In between the food cravings and maternity jeans, you have an important decision to make to protect your family’s well being. It’s time to start shopping for the right health insurance plan. As you begin this process, here are a three things you should know: 1. Having a child gives you a special opportunity to buy health insurance The health care reform law established a designated time period during which people can shop for health coverage.
  • How to Meditate at Work Without Getting Caught

    GoHealth
    2 Jul 2014 | 2:34 pm
    Meetings, conference calls, reports, audits, and trainings – the to-do list at work never seems to get shorter. As the stress and frustration of the day escalates, it’s likely that you’re less focused and productive at work (i.e. logging onto Facebook, finding a recipe for tonight’s dinner, or reading every bit of news out there.) How many times have we told ourselves to focus only to steer off course again? Controlling our wandering mind and shifting focus back to the task at hand can often seem impossible. What if there was a technique for working with the mind that in turn helped…
  • Governor of CT Participates in GoHealth Round Table

    GoHealth
    25 Jun 2014 | 8:23 am
    GoHealth, was honored to host The 3rd Annual GoHealth Round Table on Healthcare Reform. The event gave participants an opportunity to discuss and share their experiences in the health insurance industry amid a rapidly changing regulatory landscape. Brandon Cruz, President of GoHealth; Governor Dannel Malloy, State of Connecticut; Clint Jones, CEO of GoHealth   Governor Dannel P. Malloy, State of Connecticut, gave the keynote address.  Kevin Counihan, CEO of Access Health CT, shared insights on the success of Connecticut’s health insurance exchange during the first open enrollment…
 
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    JohnConner.com

  • GeoBlue first to contract with London’s Premier Medical Clinic

    John
    30 Jul 2014 | 9:04 am
    GeoBlue a leader and innovator in serving the health care needs of world travelers, announced today, July 30, 2014 (Radnor, PA) that they are the first expat insurer to contract with London’s premier new private health facility, London Claremont Clinic (LCC).  Through this agreement GeoBlue members have cashless access to a range of specialist clinics, diagnostic tests and treatments from a team of professionals, including leaders in oncology and ophthalmology, dedicated to providing the highest standard of healthcare services to all their patients. London’s Claremont Clinic…
  • Cigna Group International Medical Plans

    John
    21 Jul 2014 | 5:27 pm
    Cigna who has been insuring world travelers and expatriates for more than 30 years, and offers several options for Employers to offer International Health insurance for their employees. You expect the best from your employees on assignment in another country.  And they expect the same from you.  Cigna offers the high-level coverage they expect .. and then some. You have employees working in another country, and you want them to have easy access to quality doctors and hospitals around the world.  Cigna Global Health is the perfect plan for you. When it comes to international health care…
  • Medicare Supplement Rates for Los Altos 94022

    John
    27 Jun 2014 | 2:23 pm
    Los Altos residents and for that matter all Santa Clara Medicare Supplement members should take a look at both Blue Shield of California along with Health Net and compare them to who they are currently with.  The other Medicare Supplement company to include is Mutual of Omaha, they have recently lowered their rates and are now considered one of the “go-to” Medicare Supplement companies in Norther California, which includes Santa Clara County and of course Los Altos. Compare the rates here You can do some of your homework right here on this site.  I post most of the competitive…
  • Medicare Supplement in 95829 Sacramento

    John
    26 Jun 2014 | 3:12 pm
    Medicare Supplement rates and benefit information within the Sacramento Zip codes are are some of the best in California.  The zip code 95829 is in the South East corner of Sacramento County, it’s a bit more rural than metro Sacramento, though the rates will be the same for most of Sacramento, Placer and El Doraco Counties. Depending on your current age you’ll want to take a look at both Blue Shield of California and Health Net.  Mutual of Omaha has become competitive again and Continental Life which is an Aetna company is also in the mix. If you currently have a Medicare…
  • Singapore and the Expat

    John
    13 Jun 2014 | 11:48 am
    Singapore offers the sixth highest pay package for expatriates with Japan being n#1 and Australia #2.  Being the fourth largest financial center and the second largest gambling market.  Singapore has the world’s highest percentage of millionaires, with one out of every six households having at least one million US dollars in disposable wealth excluding property, businesses, and luxury goods, which if included would increase the number of millionaires, as property in Singapore is among the world’s most expensive … very impressive!! The Expat or employee moving to Singapore…
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    Irish Life Blog

  • Market Review – 2014 Week30

    David Haslam
    28 Jul 2014 | 1:19 am
      “Enjoy the little things, for one day you may look back and realise they were the big things” Robert Brault Eurozone economic growth accelerated in July, according to a flash estimate of Markit’s purchasing managers’ index. The headline PMI, covering business activity across both manufacturing and services, rose from a six-month low of 52.8 in June to 54.0 in July. The latest reading matched the near-three year high seen back in April and exceeded the averages seen in the first two quarters of the year. However, France remained in the red zone again. International…
  • Market Review – 2014 Week29

    David Haslam
    21 Jul 2014 | 1:16 am
      “Time is more value than money. You can get more money, but you cannot get more time” Jim Rohn Moody’s, the ratings agency, noted that it forecasts Irish growth rates “of at least 3% for the next few years,” more than twice the European average. The Irish government said its state-run “bad bank” (NAMA) plans to unload most of the huge property loans acquired during the country’s banking crash earlier than planned, and will play a new role in helping to finance the construction of real estate. Eurozone annual inflation was 0.5% in June 2014,…
  • Market Review – 2014 Week27

    David Haslam
    7 Jul 2014 | 6:19 am
      “Success is the sum of small efforts, repeated day in and day out. – Robert Collier Irish Life Investment Managers was named Equities Manager of the Year and Passive Manager of the Year at the European Pension Awards 2014. Irish Life Investment Managers was the only Irish investment company to be recognised in this year’s awards and the only manager to win two awards in 2014 Ireland’s economy surged in the first quarter of this year on the back of rapidly rising exports as the CSO posted a GDP (Gross Domestic Product) figure of 2.7% for Q1. In a sign that the price surge in the…
  • Irish Life’s investment manager comes out top in Europe winning two European Pension Awards

    Gerard Coughlan
    2 Jul 2014 | 2:00 am
    Equities Manager of the Year and Passive Manager of the Year Colm ONeill, Eunice Dreelan, Bill Kyle, Patrick Burke and Gerry Hassett with the two awards 3rd July 2014 – Irish Life announced today that its investment manager was named Equities Manager of the Year and Passive Manager of the Year at the European Pension Awards 2014. Irish Life Investment Managers was the only Irish investment company to be recognised in this year’s awards and the only manager to win two awards in 2014. These prestigious European awards, now in their 7th year, recognise outstanding achievement in the varied…
  • Market Review – 2014 Week26

    David Haslam
    1 Jul 2014 | 6:30 am
      “When you come to a roadblock, take a detour. – Mary Kay Ash   Residential property prices at a national level, increased by 10.6% in the 12 months to May. This compares with an increase of 8.5% in April and a decrease of 1.1% recorded in the twelve months to May 2013. However, residential property prices are still 47.0% lower than their highest level in September 2007.   One year ago, Croatia joined the European Union sparking hopes that membership of the rich 28-nation bloc would transform the fortunes of the tourism-dependent economy. But as the anniversary looms, the…
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    Insurance

  • Employee Spotlight: Beth Stanley

    Fran Shaw
    17 Jul 2014 | 10:38 am
    Miller’s Insurance Agency truly values not only their clients, but their employees. This month we’re highlighting Beth Stanley, who’s a hard working Customer Service Account Manager. Her friendly personality and dedication to the company makes Miller’s a better place. The relationship we build with our clients is of the utmost importance to us, which is why we think you’d love to learn a little more about the people who strive to take care of your needs. What’s the best thing about your job? “I like to help people.” Says Beth, “I really…
  • Surviving Super Storm Season

    Fran Shaw
    17 Jul 2014 | 7:33 am
    April showers bring May flowers, but hurricane season gives your wallet a beatin’.  This holds true especially if your home or belongings are not adequately protected. With hurricane season quickly approaching, it’s vital that homeowners educate themselves about insurance and take necessary precautions in order to keep your personal items and your family safe. Insurance experts urge homeowners to review their coverage each year in preparation of hurricane season; keeping in mind it only takes one storm to devastate an entire city, state, or multiple geographical locations.
  • Is Technology Taking Over Your Family?

    Fran Shaw
    17 Jul 2014 | 7:15 am
    Learn How to Stay Connected Without Wi-Fi. Every parent has experienced the frustration that comes along with telling their son or daughter to put the phone down, or turn the trash TV off. People are now more in tune with the digital world than they are with reality. While our devices may make life a bit easier; posing as an alarm clock, newspaper and calculator, it has also damaged our relationships and communication skills. Is Your Smartphone Making You Stupid? Studies suggest that smartphones negatively impact our spelling and grammar capabilities, and cause feelings of discomfort when…
  • How to be the Superhero Your Family Needs

    Fran Shaw
    20 Jun 2014 | 6:55 am
    Posted on Fri, Jun 20, 2014 Parents are modern-day superheroes. Aside from the careers these mom’s and dad’s hold, they wear numerous hats on a daily basis. Housekeepers by day, chiefs by night, and taxi drivers on weekends- these superheroes can do it all. While villains such as car accidents, destructive storms, and unexpected deaths exist in this world; any good superhero knows their main duty is to protect. At Miller’s Insurance Agency, your needs are our highest priority. We partner with over 20 insurance carriers to meet your personal, commercial and life insurance…
  • 6 Local Family-Fun Events You Don’t Want To Miss This Summer

    Fran Shaw
    19 Jun 2014 | 8:17 am
    Posted on Thu, Jun 19, 2014 Good Neighbor Day- For those of you without beach plans this Fourth of July, bring your family and friends out for a daylong event in Downingtown! Register to participate in a 5K run or walk, sign your little ones up for the annual Kids-K Fun Run, take part in crafts or grab some delicious food; Good Neighbor day has it all! This event is free to enter, however all registration fees and committee’s activities benefit the ambulance and rescue squads within the Downingtown Area School District. The Celebration will take place at Kerr Park in Downingtown, and…
 
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    Blog

  • Obama Acts to Deny Federal Contracts to Labor Law Violators

    31 Jul 2014 | 12:08 pm
    President Barack Obama today signed an executive order that will make it harder for companies with a history of labor law violations such as wage and hour and workplace safety to win federal contracts. Said Obama:
  • Raise Wages for Everyone, Not Just Some

    31 Jul 2014 | 11:00 am
    "The defining challenge of our time is flat or falling wages for the vast majority of workers, which is a root cause of many of the problems facing the U.S. economy,” said the AFL-CIO Executive Council in a statement approved today at its summer meeting at the AFL-CIO headquarters in Washington, D.C.
  • Why You Should Care About the Hobby Lobby Decision

    31 Jul 2014 | 9:35 am
    By now you've probably heard all about the Hobby Lobby Supreme Court decision. We don't need to get into all the details here, but the bottom line is: This is a blow to workers' rights, especially for women. The AFL-CIO Executive Council today condemned the Hobby Lobby decision made by five male justices as "radical" and said the ruling is a "major blow in the struggle for women’s health and threatens the Affordable Care Act’s goal of ensuring that all working families have access to cost-effective preventive health care."
  • What's Really Going on with the Economy?

    31 Jul 2014 | 9:00 am
    Since the economic collapse in 2008, premature cries of “recovery and mission accomplished” have repeatedly marred understanding of how the economy continues to struggle and under-perform for all but the very richest Americans. This week, the news has been good, but that news is being used by the “usual suspects” to argue for applying the economic brakes when we still have a long way to get back to full employment.
  • Infrastructure Condition a ‘Scandal,’ Threatens U.S. Economy, says AFL-CIO Executive Council

    31 Jul 2014 | 8:30 am
    To keep the United States strong and to ensure the foundation of the economy is sound, the nation’s leaders “must begin by rebuilding the infrastructure that thrust the United States into the modern era but now is out of date and falling apart,” said the AFL-CIO Executive Council in a statement approved Wednesday at its summer meeting in Washington, D.C., at the AFL-CIO headquarters. The council said:Political gridlock has turned the United States from the nation that led every major advance in public economic development—in rail and transit, roads, sewers, utilities,…
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    IFAwebnews.com | P/C insurance

  • Solera completes acquisiton of insurance division of Pittsburgh Glass Works

    IFAwebnews Staff
    31 Jul 2014 | 8:34 am
    Solera Holdings Inc., a global provider of software and services to the automobile insurance claims processing and decision support industries, announced that it has completed the acquisition of the Insurance and Services Division of Pittsburgh Glass Works LLC, a portfolio company of funds managed by Kohlberg & Co. LLC. Operating under the brand names of LYNX Services, GTS Services and GLAXIS, the Insurance and Services Division of Pittsburgh Glass Works is a provider of claims management services; call center services; proprietary software and business management tools for glass…
  • Insurer launches online commercial sales to small businesses in NJ

    IFAwebnews Staff
    30 Jul 2014 | 11:17 am
    Online small business insurance provider AssureStart has started selling commercial plans to small businesses in New Jersey over the Internet. AssureStart sells business property and general liability insurance on the Internet to small businesses with fewer than 30 employees, which the company says is an underserved and often overlooked segment of the commercial insurance market. Greg Tacchetti According to AssureStart, small businesses across New Jersey can get coverage recommendations and a rate quote, purchase a business owner’s policy and download the policy and a certificate of…
  • NY reaches agreement over insurance, driver issues with ‘ride-sharing’ service

    IFAwebnews Staff
    30 Jul 2014 | 10:58 am
    Lyft Inc., a peer-to-peer ride-sharing company, has reached an agreement with New York Attorney General Eric Schneiderman and the state’s top insurance regulator, Benjamin Lawsky, over the company’s compliance with state licensing and insurance regulations. Lyft will operate in New York City and will suspend its current operations in Buffalo and Rochester by Aug. 1. Benjamin Lawsky Under the agreement, Lyft drivers will be licensed by the city’s Taxi and Limousine Commission (TLC) to provide for-hire service. In a statement, Lawsky and Schneiderman commented: “We are…
  • Empire expands workers’ comp plans in NY, Pa., NJ

    IFAwebnews Staff
    30 Jul 2014 | 10:45 am
    Empire Underwriters, a program manager, managing general agent and excess and surplus lines broker, is expanding its reach into New York state and surrounding states providing property/casualty agents with workers comp coverage for preferred, standard and hard-to-place accounts. Empire said it is aggressively appointing New York agents and brokers and those in the surrounding states with policyholders that operate in the states of New York, New Jersey, Pennsylvania and Connecticut. According to the firm, Empire sought to provide producers affordable workers compensation programs with an a…
  • PURE opens new underwriting hub to service Mid-Atlantic, to hire 40

    IFAwebnews Staff
    30 Jul 2014 | 10:43 am
    Privilege Underwriters Reciprocal Exchange (PURE),the policyholder-owned property/casualty insurerthat caters to high net worth individuals and families, has announced the opening of a new Mid-Atlantic underwriting hub in New Jersey. PURE expects to hire nearly 40 sales, marketing and underwriting professionals at the new 106 Allen Rd., Basking Ridge, N.J., location. The new hub will house underwriting for accounts submitted by independent brokers located in District of Columbia, Delaware, Maryland, New Jersey, Pennsylvania, West Virginia, and Virginia. PURE is based in White Plains, N.Y.
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    Insure Life Surpasses Your Expectations

  • Are you ready to commit?

    12 Jul 2014 | 12:46 pm
    The decision and process of buying life insurance should not be taken lightly.  Life insurance is a very important financial planning and risk management tool for many families and businesses.  These are often long term financial commitments that can span 50 years or more.For instance, did you know that a 40 year old who buys permanent life insurance for $100 per month may spend over $60,000 in premiums over his or her lifespan (assuming an age 90 death)?  Similarly, an age 50 year old with a $500 monthly premium may pay $240,000 in premiums.  Given these substantial…
  • Happy Father’s Day

    15 Jun 2014 | 8:15 am
    I would like to wish a Happy Father’s Day to all of the fathers.  This is my first Father’s Day as a father, and I am very blessed.  I now realize the importance of being a father to my son, and all the responsibilities that come along with it.  I have many things I plan to teach him.  Taking care of my son includes all of the day to day activities, but also planning for the future.One thing that provides me comfort is knowing that I have life insurance on my life.  It may not be as much coverage as I would like, but it is there to provide for him in case…
  • Diversification: Not Just for Your Investment Portfolio

    10 May 2014 | 11:08 am
    SMH - In the internet world, SMH is an acronym for "shaking my head".  After reading a recent article about the largest life insurance policy ever sold, I was left SMH.An unidentified technology billionaire recently purchased a life insurance policy with a face amount of $201 million.  On the one hand, I applaud the billionaire's decision to purchase life insurance for estate planning purposes. On the other hand, based on the limited information stated publicly about the case, I believe the agent who sold the policy did a disservice to the client.  To purchase one life…
  • A Life Insurance Policy Review May Reveal Shocking Revelations

    5 Apr 2014 | 6:07 am
    Permanent life insurance policies are designed based on numerous policy expense and crediting rate assumptions.  These assumptions may ultimately be too aggressive or too conservative, and periodic adjustments to policy design and assumptions may be necessary to course correct.  If policy performance is better than initially assumed, then the policyowner may be able to reduce future premiums or increase coverage levels based on the revised perspective of how policy assumptions will be realized in the future.  Alternatively, the policy may require additional premiums or other…
  • Heard From Your Life Insurance Agent Lately?

    9 Mar 2014 | 9:11 am
    Unfortunately, I am no longer surprised when a policyowner calls me about their life insurance plan and they can't remember when a policy review was last conducted.  In addition, they often tell me that they are reluctant to call the agent, because they believe that the agent will just try to sell them something new.These are significant issues that plague the life insurance industry.  In addition to selling products that are suitable to the policyowner, I believe life insurance agents have a professional and ethical responsibility to service the policy for the long term. …
 
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    Insurance Marketing HQ

  • Using Bing Webmaster Tools on Your Insurance Website

    sarnold
    14 Jul 2014 | 1:00 am
    By Shawna Arnold Recently, we discussed the importance of Google Webmaster Tools for your insurance website. This week, we’re going to get into Bing Webmaster Tools, and why you should be implementing this tool as well. Bing Webmaster Tools 101 Similar to Google Webmaster Tools, Bing Webmaster Tools is a free platform that allows you to submit your website and view its technical data. Bing Webmaster Tools presents you with the following information: Clicks to your website from search Appearance of your website in search results Crawl status of pages Crawl errors Index status of pages Top…
  • Wal-Mart and Insurance: How Can The Local Agency Compete?

    jbissaro
    7 Jul 2014 | 1:00 am
    By Jake Bissaro Owning an independent insurance agency isn’t what it used to be; you already have to compete with major carriers like Allstate and Progressive, but some recent news indicates that the competition is going to heat up even more. Walmart, already the world’s biggest retailer by a huge margin, has plans to get into the auto insurance business, through an alliance with autoinsurance.com. 200 stores already have a partnership with Metlife selling term life policies, and they want to expand their insurance interests. But this could only be the beginning as new research shows that…
  • How To Drive Traffic To Your Website

    aviau
    30 Jun 2014 | 1:00 am
    By: Allie Viau When it comes to your agency’s website, the “if you build it, they will come” optimism simply does not apply. Unless you work hard to market your site and entice online visitors, chances are you will not find the reach you are hoping for. So, how can your agency drive traffic to your website? While paid advertisements are always an option, many agents today do not realize the true value of organic, or unpaid, marketing. Inbound marketing strategies such as search engine optimization (SEO), social media, blogging, and others all work together to market in a way that is…
  • How to Write A Great Conclusion For Your Blog Posts

    jbissaro
    23 Jun 2014 | 1:00 am
    By Jake Bissaro The conclusion is one of the more under-appreciated and ignored parts of any kind of writing. A time crunch or a lack of ideas can make it difficult to go any further at the end of your blog, but you should always try to push yourself to write a more meaningful conclusion. You’ve managed to hold the audience’s attention for this long; don’t leave them off with a few lackluster, thrown together sentences. You want to give your audience something that will stick in their mind and keep them coming back to your site. The basic function of a conclusion is touch on the overall…
  • How To Get More Blog Traffic: Simple Strategies To Use

    dweedon
    16 Jun 2014 | 1:00 am
    By Deirdre Weedon There is some great news for insurance agencies who have been diligently blogging every week. Blogs influence what consumers purchase. According to Technorati’s 2013 Digital Brand Report, consumers rated blogs as the third-most influential digital resource when making purchase decisions. Retail sites were in first place and brand sites came in second. Technorati also found that blogs came in fifth as the most trustworthy source of information on the internet. Impressive, but what does it tell us? It demonstrates that through blogging, agencies have a great opportunity to…
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    Insurance Forum

  • Careplus Commissions

    axeman462
    1 Aug 2014 | 4:35 am
    has anyone got in there care plus commissions for policies effective in July yet?
  • New Agent Tips..

    Hendrix21
    31 Jul 2014 | 11:40 pm
    This thread is premised on my findings over the last year, hopefully it will help any newcomers on this thread. This may be my third post total on this forum, but I read it often and find many useful bits of knowledge to help in my career as an FE agent. If you're a new agent or considering a career in FE, it might help. I'm not a top producer but I do make a good living and have a very stable work life balance. I have a lot to learn but I'll share with you the things that I have found helpful. I'm contracted with Americo, Oxford, and 5 Star and RNA through FEX contracting. I have Sett
  • 40 Yr Old with $500/month for Investment. Best Course of Action?

    timamr
    31 Jul 2014 | 11:21 pm
    40 yr old male in FL that has no upfront money but maybe a couple grand but has the ability to invest $500/month for the next 15 years. What would be his best option(s) in your opinion, and what could he expect the outcome to be?
  • SEP Questions

    SirLurkAlot
    31 Jul 2014 | 4:15 pm
    I have a 72 y.o. male that was on a MAPD in 2012. Sometime during that year he was incarcerated and of course lost his MAPD. He was released in October 2013 and contacted me to enroll him in CIP (Nolan County TX- so options are slim). However, he had lost his Part B due to incarceration thus was unable to enroll in any MAPD. He immediately contacted Social Security to re-instate his Part B. He called me last week because his Part B became effective 7/1/14. I scoped him, met with him and submitted the application using ICEP. Application was denied. (Note this is a regular MAPD- not a du
  • Best Place to Buy Direct Mail B Leads?

    term1
    31 Jul 2014 | 3:45 pm
    is there any place to buy direct mail b leads for $5 or less?If so who sells them?
 
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    bestcarinsurancecompanies.net

  • Nitrogen in Your Tires: Save Gas, Save Money, and Drive Safer?

    22 Jul 2014 | 8:25 am
    With gas near $4 per gallon, there’s extra incentive for drivers to find ways to cut fuel costs. One of the services many tire shops offer is putting nitrogen in the tires. They tout better fuel economy, less tire wear, and more consistent air pressure but is it true? Why Nitrogen and is it Safe? Air is about 80% nitrogen and about 20% oxygen. In order to qualify as a nitrogen fill up, the air added to the tire needs to be at least 93% nitrogen. So while this does not seem like a large difference, oxygen has properties that affect tires much differently. Oxygen is a very reactive…
  • Highest Rated Auto Insurance Companies

    23 Jun 2014 | 6:35 pm
    Americans love their cars and they’re increasingly liking their auto insurance companies. J.D. Power has released its 2014 U.S. Auto Insurance Study which showed that customer satisfaction with auto insurers is at its highest level since the study began in 2000. The survey of 44,661 auto insurance customers was performed in March and April 2014. The reasons for the jump in survey scores may be attributed to lower rate increases. According to J.D. Power, rate increases averaged $86 in 2014, compared to $153 in 2013. Also, years of double-digit percentage increases advertising spending…
  • Walmart Auto Insurance

    5 May 2014 | 5:47 pm
    Walmart, wanting to be a one stop shop for it’s customer, has added auto insurance into the mix of products it offers customers. Walmart is not providing the insurance itself but has partnered with an insurance matching website to allow customers to comparison shop for auto insurance. As part of the agreement, Walmart will promote the insurance service to its customers in stores and on its website with a link to the insurance matching provider, AutoInsurance.com. Walmart receives a monthly fee from the partner, while AutoInsurance.com receives compensation from the insurers for customer…
  • What Do Driverless Cars Mean For Auto Insurance?

    24 Feb 2013 | 4:23 pm
    It seems like only yesterday that the public was being introduced to hybrids and EVs. With their typically high sticker price than purely gas powered cars, these vehicles can have higher insurance rates. Now it’s time to get ready for another technological vehicle breakthrough, known as the driverless car. Google’s concept vehicle as well as several drawing board designs by German engineers has the entire automotive community buzzing. The idea is to completely control a vehicle through the use of electronic sensors. These cars will still be able to function as a fully drivable…
  • How Traffic Increase Your Traffic Car Insurance Rates

    28 Jan 2013 | 6:39 am
    The list of factors influencing auto insurance rates is nearly endless. Statistical data gathered by research groups, the IIHS, and police agencies are put together and examined in detail by actuaries who determine the exact cause and frequency or road incidents. The result is an accurate probability model used by insurance companies to place drivers in a risk category. Everyone knows that age, gender, marital status, and type of vehicle is important in determining insurance costs. Of course, the actual driving history of the individual is paramount when it comes to the final cost of an auto…
 
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    Insurance Marketing HQ

  • Using Bing Webmaster Tools on Your Insurance Website

    sarnold
    14 Jul 2014 | 1:00 am
    By Shawna Arnold Recently, we discussed the importance of Google Webmaster Tools for your insurance website. This week, we’re going to get into Bing Webmaster Tools, and why you should be implementing this tool as well. Bing Webmaster Tools 101 Similar to Google Webmaster Tools, Bing Webmaster Tools is a free platform that allows you to submit your website and view its technical data. Bing Webmaster Tools presents you with the following information: Clicks to your website from search Appearance of your website in search results Crawl status of pages Crawl errors Index status of pages Top…
  • Wal-Mart and Insurance: How Can The Local Agency Compete?

    jbissaro
    7 Jul 2014 | 1:00 am
    By Jake Bissaro Owning an independent insurance agency isn’t what it used to be; you already have to compete with major carriers like Allstate and Progressive, but some recent news indicates that the competition is going to heat up even more. Walmart, already the world’s biggest retailer by a huge margin, has plans to get into the auto insurance business, through an alliance with autoinsurance.com. 200 stores already have a partnership with Metlife selling term life policies, and they want to expand their insurance interests. But this could only be the beginning as new research shows that…
  • How To Drive Traffic To Your Website

    aviau
    30 Jun 2014 | 1:00 am
    By: Allie Viau When it comes to your agency’s website, the “if you build it, they will come” optimism simply does not apply. Unless you work hard to market your site and entice online visitors, chances are you will not find the reach you are hoping for. So, how can your agency drive traffic to your website? While paid advertisements are always an option, many agents today do not realize the true value of organic, or unpaid, marketing. Inbound marketing strategies such as search engine optimization (SEO), social media, blogging, and others all work together to market in a way that is…
  • How to Write A Great Conclusion For Your Blog Posts

    jbissaro
    23 Jun 2014 | 1:00 am
    By Jake Bissaro The conclusion is one of the more under-appreciated and ignored parts of any kind of writing. A time crunch or a lack of ideas can make it difficult to go any further at the end of your blog, but you should always try to push yourself to write a more meaningful conclusion. You’ve managed to hold the audience’s attention for this long; don’t leave them off with a few lackluster, thrown together sentences. You want to give your audience something that will stick in their mind and keep them coming back to your site. The basic function of a conclusion is touch on the overall…
  • How To Get More Blog Traffic: Simple Strategies To Use

    dweedon
    16 Jun 2014 | 1:00 am
    By Deirdre Weedon There is some great news for insurance agencies who have been diligently blogging every week. Blogs influence what consumers purchase. According to Technorati’s 2013 Digital Brand Report, consumers rated blogs as the third-most influential digital resource when making purchase decisions. Retail sites were in first place and brand sites came in second. Technorati also found that blogs came in fifth as the most trustworthy source of information on the internet. Impressive, but what does it tell us? It demonstrates that through blogging, agencies have a great opportunity to…
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    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • The Value of an Independent Broker Like us!

    Wayne Mccormick
    16 Jul 2014 | 9:00 am
    The Importance of an Independent Broker McCormick Insurance Solutions is an independent Broker. This means we don’t work for any one specific insurance company. We have access to many markets, giving us the ability to shop your account and search the market for the best option for you. With captive insurance agents, like the big national companies, you only get the guidance of one company that sells one brand of insurance. With an independent insurance Broker, you may get as many as five choices or more. If you are an individual or business in San Diego and are looking for insurance, call…
  • San Diego Recreation Vehicle Insurance

    Wayne Mccormick
    18 Jun 2014 | 8:00 am
    Why You Need the Right Kind of Recreation Vehicle Insurance Spring is here. There is nothing better than hitting the California highway in your recreation vehicle.  Don’t forget you need the right kind of San Diego RV insurance to protect you. That is where we can help you. Many State laws including California require you to maintain liability coverage on your San Diego recreation vehicle. Here is a schedule of insurance coverage you might consider: Recreation Insurance Coverage Liability Insurance Auto Liability coverage, also known as “property damage/bodily injury”, can help cover…
  • Will Auto Insurance Cover Your Car if it is Stolen?

    Wayne Mccormick
    4 Jun 2014 | 8:00 am
    San Diego Auto Insurance and Theft Coverage Your San Diego auto insurance will provide coverage in the event your vehicle is stolen if you have the right coverage. If you bought your insurance on line in15 minutes, you might not have coverage. You will need comprehensive coverage on your policy to cover auto theft. Your liability coverage will protect you if there is third party damage. McCormick Insurance the Auto Insurance Experts We are an independent insurance agency with access to many markets, and we shop your account for the best possible combination of price, coverage and services.
  • What Kind of Insurance Do I Need For Your Custom Motorcycle?

    Wayne Mccormick
    28 May 2014 | 9:21 am
    Custom Motorcycle Insurance Many of us love to ride the California highways on our motorcycles. San Diego Motorcycle Insurance is what we do. Your bike is an extension of your personality, and that’s one reason why you customize it. We have the custom motorcycle insurance that can address the special needs of custom bike owners. We can insure most manufactures including Honda, Harley-Davidson, Yamaha, Kawasaki, BMW, Suzuki, Victory, KTM, and more. What Can Be Covered Under Custom Motorcycle Insurance? Additional Custom Parts and Equipment (ACPE)/Accessory coverage can be purchased for…
  • How To Save On Your Home Insurance

    Wayne Mccormick
    14 May 2014 | 9:16 am
    What Affects Your Home Insurance Premiums Many homeowners in San Diego and the rest of California have experienced premium increases over the past number of years. Our agency works very hard to bring our clients the best rates for your home insurance. Some of the factors that will impact your home premiums are location, age, replacement value, content value and roof conditions. One Quick Way to Save On Your Home Insurance One way to save money is to combine your San Diego home insurance and auto insurance with the same insurance company.  Often you can save over 10% by combining your home…
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    Property Casualty Insurance Blog

  • Black and White…and a Little Gray in Between

    Shawn Dougherty
    28 Jul 2014 | 9:16 am
    When I was growing up, I was mesmerized by any Western-themed television show or movie — Rawhide, The Rifleman, Maverick, The Big Valley, The Wild Wild West, Bonanza, Gunsmoke, Butch Cassidy and the Sundance Kid, John Wayne Westerns and, of course, all those spaghetti Westerns starring Clint Eastwood. I loved them all and couldn’t get enough of them. I can still remember daydreaming about what it would have been like to live back then in the Wild West. In those shows it was pretty easy to tell who were the good guys and who were the bad guys simply by the hats they wore: white for good…
  • A Look Ahead: ISO ClaimSearch Transformation

    Carlos Martins
    23 Jul 2014 | 1:55 am
    It is with great excitement that we announce our plans to transform ISO ClaimSearch into a more powerful system that will include vast improvements in results and usability. Over the years, ISO ClaimSearch has become an integral part of the claims handling process, and now it’s time to advance the system for greater ease and efficiency than ever before. One of the first steps in the systemwide upgrade is a fresh new design for the ISO ClaimSearch website.  While you can still expect the same comprehensive and critical claims information, the new site will provide a far more intuitive,…
  • Ultrasecure Smartphones and the Battle for Privacy

    Shawn Dougherty
    21 Jul 2014 | 3:08 am
    It’s been more than a year since Edward Snowden leaked classified documents and prompted new concerns about privacy in the digital world. But those concerns are not waning — especially when it comes to smartphones, which have become a target for hackers around the world. As BlackBerry, once a major manufacturer of secure smartphones, shifts its focus to software and services, a number of companies are trying to meet the growing demand and fill the void by producing ultrasecure smartphones that use both old and new technology, including: Encryption: Most ultrasecure smartphones encrypt, or…
  • Is Cost-Shifting to P&C Payers on the Horizon?

    Andy Tolsma
    16 Jul 2014 | 9:05 am
    There are numerous provisions of the Affordable Care Act (ACA), aimed at reducing the cost of America’s healthcare. According to Healthcare Finance News, the cost-saving strategies include specific reductions in reimbursements to providers of healthcare services for Medicare and Medicaid patients. For hospitals alone, these reductions will amount to some $150 billion over the next ten years. Further, beginning on January 1, 2015, reimbursements to physicians and hospitals will be tied to the quality of the care; defined by the ACA as “value-based care.” Since the Medicare/Medicaid…
  • The Value of National Guidelines for Cyber Security

    Shawn Dougherty
    14 Jul 2014 | 10:59 am
    It’s not a secret that cyber security is a significant issue facing businesses of all shapes and sizes in the United States and across the globe. President Obama has said that the “cyber threat is one of the most serious economic and national security challenges we face as a nation” and that “America’s economic prosperity in the 21st century will depend on cyber security.” As a result, the current administration charged the National Institute of Standards and Technology (NIST) with developing a framework to assist companies in better addressing the cyber threats facing them. Of…
 
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    Life Insurance Insights

  • When Feel Good Vanishes

    Mike
    31 Jul 2014 | 10:05 am
    Having discussed how the purchase of life insurance should, and usually does, produce an everlasting good feeling, I’d be less than honest if I didn’t admit that that is not always the case.  There are times when the life insurance purchaser becomes engulfed in buyer’s remorse, or at least uncertainty. “Did I buy the right policy?”  “Can I really afford this?”  “My cousin seems to have a better deal.” When this happens, before you rush to the incinerator to dispose of your policy, pause.  What has suddenly caused your self doubt?  If it’s another insurance…
  • The Feel Good Factor

    Mike
    29 Jul 2014 | 5:02 pm
    Buying a new car can make you feel good…until the new car smell wears off and you no longer bother to get it washed every week.  Moving into a new home always makes you feel good…until the newly escalated real estate taxes come due.  Partying with a bunch of your pals from college, reminiscing about the good old days , makes you feel good…until the next morning when your head feels like someone buried an axe in it.  Many of life’s experiences generate a good feeling…it’s just that many of them are short lived. There is one event that doesn’t always produce good…
  • The Best or Worst Retirement Tool

    Mike
    24 Jul 2014 | 10:52 am
    The primary purpose of life insurance is to provide a death benefit, not to build cash value.  Its main function is not to supplement retirement income.  With that said, however, life insurance policies have some advantages not offered by any other financial vehicles that can provide for a very efficient retirement resource.  They can also produce some of the worst results when improperly used. First, for the good features:  cash values can be accessed from life insurance policies during your lifetime without creating any taxable income and without having any negative tax effect on Social…
  • The Permanent Policy With No Cash Value

    Mike
    21 Jul 2014 | 5:54 pm
    Whole Life Insurance is the original type of permanent life insurance.  The premium is level, the cash value grows every year and the death benefit is guaranteed for life.  That all makes sense.  How, then is it possible for a Universal Life policy to have a level premium with a death benefit guaranteed for life, but with a cash value that is minuscule or non-existent?  That doesn’t seem to make sense. It’s all in the policy design… and it is possible… and if you are looking for the lowest level premium for a lifetime guaranteed death benefits, this class of Universal Life…
  • Who Should Buy The AARP Life Insurance Program?

    Mike
    15 Jul 2014 | 7:03 pm
    My AARP magazine arrived recently containing a full page ad with the heading:  DO YOU HAVE ENOUGH LIFE INSURANCE?  Well, I actually do have enough, but since the subject interests me, I read on.  It’s a special program only for AARP members offered by New York Life Insurance Company—one of the oldest most financially sound insurance companies in the world.  The ad went on to point out why you might be interested…to provide extra coverage…added security for the people you love.  I can’t argue with that.  This is what life insurance is all about. The program is term insurance…
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    SelectNews Blog

  • Like Father, Like Son

    SelectQuote
    30 Jul 2014 | 5:05 pm
    It’s no secret that today’s parents are ambitious about keeping their kids healthy. If you have children, you’ve probably spent at least a few hours researching the safest car seats, best doctors, and healthiest school lunch options. In fact, you might have a file on your computer detailing the best (and safest) colleges – even if your child hasn’t reached her first birthday! While it’s certainly important to make healthy and safe choices for your children, there’s another variable affecting their health that you might be overlooking – your health. Children tend to follow the…
  • Making Time for Family Fun

    SelectQuote
    24 Jul 2014 | 10:18 am
    Late July and early August are when the “summertime blues” seem to set in: kids are getting bored, parents are tired of having them underfoot constantly, and the heat just seems to make everybody cranky. Want to bring some fun back? Try these easy ideas to shake things up: Nighttime Play When the sun goes down so does the temperature, making after-dark activities all the more enjoyable. Start a game of twilight tag, play hide-and-seek in the yard, or toss a ball around. Take a break from the kitchen or the barbecue with a sunset picnic. Most any physical activity will be more comfortable…
  • A Quick Guide to Purchasing Term Life Insurance

    SelectQuote
    17 Jul 2014 | 6:33 pm
    Protecting your financial future is just a few steps away. If you’ve been avoiding getting a life insurance policy because you think the process is too complicated, think again! All you need is a little bit of time and some follow through to put a policy in place. Term life insurance is one of the simplest and easiest ways to make sure your loved ones have the money they need to survive comfortably if something happens to you—and if you are young and healthy, it’s probably the cheapest protection around, too. Don’t leave your finances in the hands of fate: instead, follow these simple…
  • Financial Security in the Golden Years

    SelectQuote
    10 Jul 2014 | 5:23 pm
    Yes, life insurance is important…even after you retire. Most people understand that term life insurance is an important piece of your overall financial picture when you and your children are young. But did you realize that retirees need to be insured, too? Assessing your insurance policy needs with an upcoming retirement in mind is an important step in maintaining financial security. As you enter your golden years, consider the facts about life insurance after you retire. Previous financial problems = less secure retirement If you’ve experienced major financial difficulties earlier in…
  • Killer Facts and Odds of Dying [Infographic]

    SelectQuote
    8 Jul 2014 | 10:34 am
    Everyone has their phobias, most of which are motivated by a fear of death. Fear of flying, fear of spiders, and fear of sharks are some of the most common ones that people tend to have. But if you knew that you were more likely to be killed by a donkey than die in a plane crash, you might be a bit more at ease the next time you prepare for takeoff. SelectQuote’s Killer Facts and Odds of Dying infographic reveals some shocking statistics about death that are sure to raise your eyebrows. As you can see, most of the ways that people are afraid to die are the least likely to happen –…
 
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    Shift Insurance Blog

  • Not At Fault? Here's How the Insurance Claim Process Will Work

    30 Jul 2014 | 12:24 pm
    It's just your luck.  You were sitting at a red light, minding your own business, when another driver rear-ended you.  Or, maybe you were sitting inside your favorite Italian restaurant when someone side-swiped your car while it was sitting in the parking lot. Neither of these things are your fault, but what are you actually supposed to DO about them?  You can file a claim through the other person's insurance company! California's car insurance industry follows a fault-based system.  Or, in other words, whoever is considered to be at fault for the accident is responsible…
  • Uninsured and Underinsured Motorist Coverage -- How Do They Affect Your Car Insurance?

    24 Jul 2014 | 11:53 am
    The state of California has laws in place that require you to carry liability car insurance coverage.  If you're smart, though, you'll go beyond those requirements and opt for both uninsured and underinsured motorist coverage! Why? In order to answer that question, we need to talk about what these types of coverage actually do… Uninsured motorist coverage (often called "UM Coverage" in the insurance world) comes into play if you get into an accident with someone who doesn't have any insurance.  Think the odds of that happening are low?  Think again!  According to…
  • What Is an SR-22? And, More Importantly, How Does It Affect You?

    15 Jul 2014 | 5:20 pm
    If you've got a DUI conviction, a bunch of speeding tickets, or a suspended driver's license under your belt, you've likely heard the term "SR-22" before.  But what exactly is it?  Where do you go to get it?  And, most importantly, how does it affect your ability to head out on the open road?  Unfortunately, you'll sometimes hear an SR-22 referred to as "SR-22 Insurance".  That nickname is a little misleading, though, because an SR-22 isn't a type of insurance.  Instead, it's a document that you get from your insurance company that verifies that you have met all…
  • Excluded Drivers -- How Do They Affect Your Car Insurance?

    8 Jul 2014 | 3:28 pm
    Let's say your roommate's car is in the shop, and he desperately needs to run to the grocery store to pick up a few items.  Being the good friend that you are, you toss him the keys to your car, and tell him to run whatever errands he needs.  Something like this is no big deal, right?  If anything goes wrong while your friend is behind the wheel, your insurance will take care of it, right? Not necessarily! When you first sign up for a policy, virtually every car insurance company on the planet will ask you who in your household is going to drive your car.  If there are…
  • Tickets, Accidents & Other Driving Violations -- How Do They Affect Your Insurance?

    11 Jun 2014 | 12:07 pm
    If you live in California, you're going to pay a pretty penny for your car insurance.  In fact, recent figures show that in San Luis Obispo County -- where Californians, on average, pay the least for car insurance -- drivers are still spending over $1,000 on their policies each year.  In Los Angeles -- which is home to the state's highest average car insurance rates -- drivers are spending nearly $1,600 every year. Think your wallet is screaming for mercy now?  Just imagine what could happen if you got a ticket, got into an accident, or committed some other kind of traffic…
 
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    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • Looking After Your Dog in Warm Weather

    qldb_admin
    1 Aug 2014 | 1:51 am
    The warm summer months provide plenty of opportunities to spend time outdoors with your four legged friends. However, just like human beings pets can suffer in the heat; and the consequences can be serious. Injury claims for dogs peak at the height of summer and the cost of medical treatment is getting increasingly expensive. Pet insurance provides a sensible financial safeguard, but there are a number of practical steps you can take to make sure that your pet stays fit and healthy: Keeping Cool Dogs are particularly susceptible to dehydration and heatstroke which can be fatal. At home make…
  • Speeding fines could increase by an eye-watering 400%

    qldb_admin
    28 Jul 2014 | 3:11 am
    If you thought speeding fines were already steep, brace yourself because they could soon get a lot steeper. Under new proposals the maximum fine for speeding on the motorway could be quadrupled from £2,500 to a staggering £10,000. And that means putting your foot on the gas could put a serious hole in your wallet. The plans are part of a package aimed at giving magistrates greater powers to deal with offences that impact daily life. Other proposals affecting motorists include raising maximum speeding fines on roads from £1,000 to £4,000, and a substantial increase in fines for using…
  • Top Ten Car Insurance Myths and Misconceptions

    qldb_admin
    21 Jul 2014 | 2:16 am
    Cancellation Costs Don’t expect to get a full refund if you cancel your car insurance. Just like any other financial product you’ll have to cover set-up costs and cancellation fees (similar to early redemption charges with a mortgage or cancellation costs on a mobile phone contract) and pay for any time you have been on cover. How much you’ll have to pay depends on your provider and how long you have had the policy. Vehicle Value If the worst happens, and you need to make a claim for total loss, your insurer will payout your car’s current market value. Insurers use independent guides…
  • Cheaper Car Insurance… and that’s a Fact!

    qldb_admin
    17 Jul 2014 | 2:14 am
    The American author Mark Twain once famously said “facts are stubborn things, but statistics are pliable”, and with so much evidence of falling car insurance premiums; the statistics have now become fact. The latest report by a leading price comparison website shows that premiums have fallen by 15% in the past 12 months, and that’s just the beginning of the good news. The average car insurance premium is £99 cheaper than the same time last year (falling from £678 to £579) and is now at a five year low. Surprisingly women have seen the biggest drop in premiums (17%) despite concerns…
  • FREE Brother labelling machine for tradesmen taking out Public, or Products Liability Insurance!

    qldb_admin
    15 Jul 2014 | 9:07 am
    At Quoteline Direct we understand that you need the right tools for the job, and that’s why we are giving away a Brother labelling machine to qualifying tradesmen* who purchase (or renew) a Chaucer Liability Insurance in the next three months.We have teamed-up with Chaucer Insurance and Brother  to give away a free Brother P-touch E100 labelling machine to tradesmen taking-out (or renewing) a Chaucer Public Liability or Products Liability Insurance by 08/10/2014. To get your hands on this toolbox essential just call: 0161 874 7979 and a consultant will talk you through the offer! Whether…
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    The Esurance Blog

  • Rent or Buy: 5 Questions to Ask Yourself

    Scott Wilson
    1 Aug 2014 | 5:00 am
    The dream of buying a home has become a bit more complicated in recent years. If you’re deciding whether to rent or buy, take these 5 factors into consideration. The post Rent or Buy: 5 Questions to Ask Yourself appeared first on The Esurance Blog.
  • 10 Essential Things to Do Before Leaving for Vacation

    Anne Le Tran
    30 Jul 2014 | 10:01 am
    Have big travel plans this summer? Before you lock the door and say bon voyage, make sure you do these 10 essential things. The post 10 Essential Things to Do Before Leaving for Vacation appeared first on The Esurance Blog.
  • Must-Read Safety Tips for Wildfire Season

    Ellen Hall
    25 Jul 2014 | 5:00 am
    Wildfire season is here — and it’s a biggie. Here’s how to make your home wildfire safe, and what to do if a fire hits your area. The post Must-Read Safety Tips for Wildfire Season appeared first on The Esurance Blog.
  • Esurance Commercial: Carol (Video)

    Heidi Wallis
    23 Jul 2014 | 11:43 am
    In the new Esurance commercial, we introduce homeowners insurance and Carol raises the roof (literally). But that’s not how it works, Carol. The post Esurance Commercial: Carol (Video) appeared first on The Esurance Blog.
  • Summer Driving: Your Glove Box Survival Kit

    Sarah Evans
    21 Jul 2014 | 5:00 am
    Don’t get caught unprepared on the road this summer. Stock your glove box with these 10 items and you’ll be ready for anything summer driving can bring! The post Summer Driving: Your Glove Box Survival Kit appeared first on The Esurance Blog.
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    Healthedeals.com Blog on Health Insurance

  • Court Ruling Leaves Consumers Asking, ‘Can I Still Get an Obamacare Subsidy in 2015?’

    29 Jul 2014 | 5:55 am
    Conflicting federal appeals court rulings on July 22, 2014, left many Americans concerned about the fate of Obamacare health insurance subsidies one way or another. One court struck down the subsidies (i.e., premium tax credits and cost-sharing subsidies) for states participating in the federally facilitated health insurance exchange while the other upheld them. An appeal by the Obama administration is underway. In the meantime, there is much speculation about what might happen to the health insurance marketplace and premiums if consumers in the 36 states participating in the federal exchange…
  • New Surveys: America’s Uninsured Rate Keeps Dropping in 2014

    24 Jul 2014 | 8:30 am
    As 2014 progresses, the number of uninsured Americans has continued to decline. Poll and survey results from Gallup and the Commonwealth Fund released this month reflect significant declines in the United States uninsured population since Obamacare health insurance exchanges opened for enrollment and ACA-compliant health insurance plans began taking effect. On July 10, 2014, Gallup reported that the uninsured rate in the U.S. fell 2.2 percentage points to 13.4 percent in the second quarter, calling it “the lowest quarterly average recorded since Gallup and Healthways began tracking the…
  • Appeals Courts Deliver Conflicting Rulings on Obamacare Subsidies, Could You Lose Yours?

    24 Jul 2014 | 6:55 am
    Two federal appeals courts on July 22, 2014, delivered conflicting rulings on health insurance subsidies under the Affordable Care Act. One decision could threaten Obamacare subsidies for people in the 36 states that defaulted to a federally facilitated health insurance exchange. At the heart of the battle: what is being called a “wording glitch.”1 It is written in the Affordable Care Act that subsidies are available to those who purchase health insurance on exchanges “established by the State.”2 Some believe this means subsidies were not meant for states that chose to…
  • Help for the Newly Insured—Clearing Up 5 Misconceptions About Obamacare Health Insurance Plan Premiums and Deductibles

    22 Jul 2014 | 9:50 am
    We are halfway through 2014, which means some Americans have been covered by Obamacare plans for six months now. Nonetheless, it is not smooth sailing for all. Many have encountered confusion over how their new health insurance plans work. Of the more than 8 million people who purchased health insurance through the state-based and federally facilitated health insurance exchanges, 57 percent had been uninsured prior to obtaining coverage.1 2 While we neither know what percentage of these individuals never had health insurance, nor do we know the level of health insurance literacy the…
  • Update: Individual Health Insurance Landscape in Oregon

    18 Jul 2014 | 10:35 am
    In Oregon, the individual health insurance landscape continues to change. The state elected to run its own health insurance exchange for 2014, Obamcare’s first open-enrollment period. While Cover Oregon started out as promising and earned national recognition for its catchy multimedia marketing campaign Long Live Oregonians, the state-based exchange soon got labeled a disaster due to persistent website issues made enrollment difficult.1 Cover Oregon may be, as written on Kaiser Health News, “widely regarded as the worst-functioning state exchange,” but come 2015 open…
 
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    The Murray Group

  • TMG Supports Team RWB and Veterans at Local Race

    Bridget Murray
    24 Jul 2014 | 12:23 pm
    On July 4th, 2014, we had the pleasure of joining the Albany chapter of Team RWB at the Firecracker 4 Road Race in Saratoga Springs, NY. Team RWB’s mission is to enrich the lives of America’s veterans by connecting them to their communities through physical and social activity. The Murray Group is proud to support America’s veterans and Team RWB’s mission. The Firecracker 4 Road Race is a must-attend event for anyone that enjoys running or just old fashioned American spirit. There are vendors, tents and a band playing rock’n’roll to get the runners fired up for…
  • The Murray Group Manifesto – James H Murray III

    Ryan Hanley
    13 May 2014 | 12:48 pm
    “It has always been all about the clients.” ~ Jim Murray Jim Murray, President and Founder of The Murray Group Insurance Services, Inc., has been providing quality insurance products and services to individuals and families of the Albany / Capital District for over 40 years. We sat down and created this video as an homage to the clients he has served over that time. Jim says everyday, “Our brand is family,” and he treats all clients as if they are family. Listen to Jim deliver The Murray Group Manifesto or read it below: To view this video on YouTube, click here.
  • Does an Auto Insurance Umbrella Policy Exist? [Video]

    Ryan Hanley
    5 May 2014 | 4:42 pm
    Are you looking for an auto insurance umbrella policy? Unfortunately, such a thing does not exist. Auto insurance and umbrella insurance are two completely separate insurance policies. However, when building a quality personal insurance program, auto insurance and umbrella insurance are two necessary policies to purchase. Umbrella insurance is a liability only insurance policy which provides insurance in excess of your underlying insurance coverages (such as auto insurance, home insurance, boat insurance, etc). You have heard someone use the term, “Auto insurance umbrella policy,”…
  • How Do I Handle a Premium Increase on My Auto Insurance?

    Ryan Hanley
    29 Apr 2014 | 8:28 am
    No one likes to see a premium increase on auto insurance. Unfortunately, as with any product or service we purchase in our life, the cost of auto insurance can go up and down.  In this week’s The Murray Group Mailbag, we address a question sent to us via Facebook asking: “How do I handle a premium increase on my auto insurance?” The best way to deal with an auto insurance premium increase isn’t necessarily a tactic but a decision on which company or agent to work with. When you work with a direct online insurance company, you are essentially your own agent. If…
  • What are the New York State Requirements for Car Insurance?

    Ryan Hanley
    24 Apr 2014 | 8:49 am
    Trying to understand the New York State requirements for car insurance? We get this question often. Here are the basic requirements you should definitely understand: 1) Car insurance is mandatory in New York State if you plan on registering the car in New York. New York State requires a minimum: 2)  At-fault liability limit of $25,000 per person, $50,000 per accident. 3) Personal Injury Protection limit of $50,000. 4) Uninsured/Underinsured liability limit of $25,000 per person, $50,000 per accident. Watch this short video for the entire explanation: If you want to watch this video on…
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    Insurance Marketing Blog

  • YouTube Video Marketing Ideas for Insurance Agents – Part 2

    John F. Carroll
    1 Aug 2014 | 5:34 am
    This episode of Insurance Marketing is the second of a two part episode about ideas for video marketing for insurance agents, I’m going to share 17 more ideas to use video marketing in your agency. Click Here to Subscribe via iTunes Listen to this episode to find out: How to easily create a year-in-review slideshow video. A simple trick to make it easy to create safety videos. How to embrace your local community using video. How to leverage your multi-lingual capabilities using video. How video can improve your customer satisfaction with claims and improve your loss ratio. How to…
  • 14 Baby Steps to Insurance Agency Greatness

    John F. Carroll
    22 Jul 2014 | 7:22 am
    Baby steps. If you’ve seen “What About Bob?” you know what I’m talking about. It might be just a movie, but I still think Dr. Leo Marvin was on to something. Baby steps are important for anyone trying to make a change, including insurance agents like you. I’ve seen a lot of agents attempt major improvements in their agency only to fall flat. You and your staff are creatures of habit and when new habits require too much change from current ones – it won’t last. I give out a LOT of ideas to help agents be more successful, but I know a…
  • YouTube Marketing Ideas for Insurance Agents – Part 1

    John F. Carroll
    18 Jul 2014 | 6:31 am
    This episode of Insurance Marketing is the first of a two part episode about ideas for video marketing for insurance agents, I’m going to share 15 ideas to leverage video in your marketing. Click Here to Subscribe via iTunes Listen to this episode to find out: The biggest excuse agents use to avoid using video and why it’s 100% wrong. The demographic trick with your client testimonials that helps sell the agency better. The easy trick to make your testimonials sell better for your agency. Great tip using video to make your quotes stand out. Several ways you can use video…
  • 9 Insurance Agent Social Media Tips That Are Total Bull Sh*t

    John F. Carroll
    8 Jul 2014 | 8:40 am
    There’s no shortage of “experts” with social media marketing advice for insurance agents. Too bad most of it is bull sh*t. And since I see this BS every day I figured it be a good idea to point it out so you don’t step in it. There’s a lot of reasons for all the bad advice out there, but it’s mostly based on a few bull sh*t assumptions: Bull Sh*t Assumption #1 - If it works for Red Bull and Justin Beiber it’ll work for you. Bull Sh*t Assumption #2 – Everything you read on Hubspot and Mashable is applicable to local insurance agents.
  • 25 Tips for Training Young or Inexperienced Insurance Agents

    John F. Carroll
    24 Jun 2014 | 10:31 am
    Where were you on Y2K? I’m not sure where I was (which I’m sure is related to whatever I was drinking) but that’s not important. I bring it up because that 22 year-old “kid” you just hired at your agency was asleep in bed. He was in 3rd grade! He grew up in a different world with different parents instilling different values and expectations. And if you want to get the most out of him, you need to understand how. One of the most popular articles I’ve written on this blog is this one: 21 Insurance Sales Tips for Young or Inexperienced Insurance…
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    directasia.com

  • South West Australia – Your Insider’s Guide

    Claire Vorster
    30 Jul 2014 | 9:23 pm
    9UBCFJ5WDZF8South West Australia – Your Insider’s Guide By Claire Vorster South West Australia was rightly chosen by Lonely Planet as one of the world’s Top 10 Regions in 2010. With boutique food and wine, towering forests, impressive wildlife and world class surfing, the South West offers immensely varied travel experiences. It’s definitely worth a trip, so here are DirectAsia.com’s insider tips to help you plan. The Margaret River Wine Region Covers the area between Cape Naturaliste, Cape Leeuwin and east to Busselton, containing a cluster of towns, each with a distinct…
  • What if You’re Asked to Settle an Accident Off the Record

    Paul Cypert
    29 Jul 2014 | 11:11 pm
    9UBCFJ5WDZF8What if You’re Asked to Settle an Accident Off the Record By Paul Cypert If you drive long enough you’ll probably be involved in an accident. Sad, but true.  Some say 1 in 72 will have an accident every year. Others say you have a 30% chance of having a serious accident in your lifetime. The current serious accident rate in Singapore is .83% (a little less than 1 in 100 cars will have a major accident each year), with regular smaller accidents more likely. And with the cost of driving in Singapore so high, accidents are also expensive. It’s not like any of the repair parts…
  • Selamat Hari Raya Aidilfitri

    Paul Cypert
    25 Jul 2014 | 2:13 am
    9UBCFJ5WDZF8Selamat Hari Raya Aidilfitri By Paul Cypert This coming Monday marks the “Day of Celebration” for Muslims in Singapore. Traditionally this is a time for family, reflection and forgiveness. How will you be celebrating this Monday? From everyone at DirectAsia.com we would like to wish everyone a great celebration! Selamat Hari Raya Puasa! If anyone would like to read more about the holiday, the reasons behind, etc please have a read through these links: Singapore Public Holidays  Your Singapore  Central Singapore (with some info on the foods) 
  • Singapore to KL in 2.5 hrs: Are You Excited About the HSR?

    Craig Hindmarsh
    23 Jul 2014 | 11:13 pm
    9UBCFJ5WDZF8Singapore to KL in 2.5 hrs: Are You Excited About the HSR? By Craig Hindmarsh Proposed stops have been revealed for the planned High Speed Rail (HSR) link between Kuala Lumpur and Singapore. Are you excited about being able to ride over and enjoy KL’s restaurants and shopping opportunities after a short 2.5 hour journey? Or do you think the much-discussed project has been over-hyped? 251 Million by 2060? While some may think that a seriously optimistic consultant has been playing fast and loose with their graph plotting machine, others believe the huge passenger number…
  • Singapore Cars are Expensive, So What Else Could You Buy

    Paul Cypert
    23 Jul 2014 | 12:54 am
    9UBCFJ5WDZF8Singapore Cars are Expensive, So What Else Could You Buy By Paul CypertWhat would you buy a car or a condo? Ok, I’m sorry; today’s post is going to hurt a little to read. We all know cars are crazy expensive in Singapore, but when an Aston Martin almost took off my knee caps the other day speeding to get to the next red light I started thinking about just how silly it was to have that car. Don’t get me wrong. If I was living anywhere but a jam packed island and had the funds I’d gladly take the new Bond car for a few months. Mostly so I could enjoy the open throated growl…
 
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    A National Agents Alliance Future

  • More Job Opportunities, Unemployment Rates Down

    nationalagentsalliancefuture
    10 Jul 2014 | 7:19 am
    According to the Bureau of Labor Statistics, there were 288,000 jobs added in the US in June, 2014. This is an improvement over the 224,000 jobs that were added in May. Overall, employment has greatly improved through the first half of 2014 with a total of 1.4 million more jobs in the U.S. from January to June. The unemployment rate is now only 6.1% due to more jobs added and more people entering the workforce. President Obama is pleased with the job increase, but says that there is still room for improvement. He would like decrease long-term unemployment and raise the federal minimum wage to…
  • National Agents Alliance and World Cancer Day: How can you help?

    nationalagentsalliancefuture
    4 Feb 2014 | 9:55 am
    Approximately one in every three women and one in two men will be diagnosed with cancer during their lifetimes and almost 8 million people worldwide die from the disease each year. Today, February 4, 2014 is World Cancer Day. People all over the world are honoring those who have battled cancer and fighting for a cure, and National Agents Alliance is joining them. Many people have been affected in some way by the disease and want to help – but how? There are many ways that you can provide hope to people around the world who have been affected by cancer; we’ve created a list of simple…
  • Eric Thomas Inspires The Alliance at NatCon14

    nationalagentsalliancefuture
    13 Jan 2014 | 11:43 am
    Eric Thomas walked on to The Alliance stage at NatCon14 in Charlotte, North Carolina, with his t-shirt reading, “when you wanna SUCCEED as bad as you wanna BREATHE.” Agents had been impatiently waiting to hear ET, “the hip hop preacher” speak to the Alliance since he was announced as the convention’s keynote speaker in early December. Leading up to NatCon, several agents were tweeting about reading ET’s books and asking us when they could see him on stage at the convention. The hip hop preacher is used to motivating audiences around the world, and this time…
  • How to Make This Year BIGGER and Better than the Last

    nationalagentsalliancefuture
    31 Dec 2013 | 11:23 am
    As you may have heard, 2013 was a BIG year for the Alliance. In the past year, we’ve grown stronger and more successful than ever before and we’re going to make 2014 even more EPIC. But in order to gain success as a team, we have to grow stronger as individuals. Below we’ve listed some steps you can take to achieve new heights in 2014. Reward yourself for your achievements. You’ve made some strides that are worth celebrating, so make a list of all of the goals and achievements you reached in 2013. Celebrate your wins and take note of what you learned from your mistakes and what…
  • Agents Double Previous Income at National Agents Alliance

    nationalagentsalliancefuture
    20 Nov 2013 | 10:38 am
    If you’re thinking about joining the Alliance, or if you’d like to recruit more agents, we are giving you even more proof that our sales and lead systems work. You’ve probably seen the many testimonies we have on our Profiles of Success page on naaleads.com, but today we’d like to share a testimony that’s a little different than the others. Andrew Richardson sold insurance before he came to National Agents Alliance; see his story below. “My name is Andrew Richardson. I joined NAA a little under three months ago. I responded to an ad on Craigslist and got plugged into a hotspot in…
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    Insurance Quotes Online

  • How Much Life Insurance Do You Need?

    Michael Guerin
    17 Jul 2014 | 11:02 am
    There are really only a couple of reasons to get life insurance. If you have a family with young kids (like I do) you want to ensure that your children and surviving spouse can maintain their current lifestyle should something terrible happen to either spouse. In this case both my wife and I have life […]
  • Why You Should Have a Roth IRA Account

    Michael Guerin
    28 Jun 2014 | 2:06 pm
    Given all the news regarding the banking industry, Wall Street and the big bonus scandal, I want to start off this article by stating that my opinions regarding Roth IRAs are completely unbiased. And personal. I am NOT in the investment field (thank goodness). And whether or not you take my advice or not is […]
  • Why Buy Renters Insurance?

    Carey Taylor Noble
    12 Jun 2014 | 6:31 am
    A friend Sally just recently moved into a renovated loft apartment building that is primarily inhabited by artists and students. It’s a lively, wonderful environment but she soon realized also potentially full of hazards. Sally qualified for an artist-in-residence apartment because her income is low, but she inherited fine art from her parents and some […]
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    Insurance Protection Blog

  • 2014 Data Breach Statistics

    RJ Weiss
    30 Jul 2014 | 2:35 pm
    For nine years, IBM has sponsored an annual Cost of Data Breach Study. I referenced the study in blog posts on the definition of cyber liability and cyber liability claim scenarios. But there's more good data breach statistics contained inside the study for business owners. Today, I wanted to give you a 10,000 foot overview on the current trends occurring in data breaches. If you want to dive in more, you can download the report for free (registration required). The United States had the 2nd highest cost of data breach among the 10 countries participating. On average, a data breach cost a…
  • Home Insurance: Sewage Backup Insurance 101

    RJ Weiss
    23 Jul 2014 | 3:38 pm
    If water comes into your home through surface water, that's considered a flood claim. Flooding, as discussed before, is not covered under standard home insurance. To have coverage for flood, you must buy a separate policy. But what if there's no surface water and water still comes in your home? Specifically, what if the water comes up through your drain via a backup of a sewer or drain. That's where sewage back up, also known as sewer backup or water backup coverage comes in. Sewer back up is coverage for damages that occur when there's no surface water or flooding. What's important is...
  • Cyber Liability Claim Scenarios

    RJ Weiss
    16 Jul 2014 | 3:13 pm
    If an employee were to get hurt on the job, you'd file a workers compensation claim. If a client slips and falls on your premises, you'd file a claim under general liability. You get in a wreck with a company vehicle, that's auto insurance. Your site gets hacked into and the hacker steels your clients credit card data, that's cyber liability. But what is exactly covered? For general liability, auto insurance, workers compensation...it's pretty straightforward to your coverage. For cyber, it's not as easy. The first thing you need to know about cyber insurance is there is no clear definition…
  • Cavalcade of Risk #212: Cyber Liability and Other Trends in Risk

    RJ Weiss
    9 Jul 2014 | 2:30 pm
    I'm honored this week to host the #212 Cavalcade of Risk. The Cavalcade of Risk is a long running roundup of top blog posts about risk. For anyone wanting to stay up to date on trends in risk, insurance, and risk management, it's highly recommend. As a property and casualty guy, I spend 95% of my time focused on P/C insurance. In my world, the trend has been cyber liability. Thanks to eBay, Target, and now Congress getting involved.......cyber liability insurance is on a lot of business owners minds lately. Just take a look at the number of news headlines regarding cyber liability since 2005.
  • What Every Parent Ought To Know About Life Insurance

    RJ Weiss
    5 Jun 2014 | 1:00 pm
    Client: “Wait. That’s nothing. And that’s what it cost per year, right...not per month?" Me: “Yep. That’s all it costs per year.” The above is a typical conversation I have when discussing life insurance. Most likely with an expectant or new parent who is going through the buying process for the first time.  In 2013 Insurance Barometer Study concluded: “People with no life insurance overestimate its cost by three times. And even those who have coverage, overestimate its cost by two times.“ There are many misconceptions about life insurance…
 
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    autoinsuresavings.org

  • Top 10 Classic Cars to Restore

    Shaun Fyffe
    28 Jul 2014 | 5:29 pm
    There’s nothing quite like a classic car. Whether you’re a classic car enthusiast, or an entrepreneur eager to bring back the golden age of vehicles, you’ve probably seriously considered restoring at the very least a car or two. As enjoyable as restoring classic cars is, it certainly comes with a price. If you’re working on a budget, or perhaps looking to flip a newly restored car for outstanding profit, then there are select group of cars that are recommended over the others. These classic automobiles will turn heads and, more importantly, quench your appetite for roaring engines and…
  • Yamaha YFZ 450R and Suzuki King Quad 750AXi – The Best All-Terrain Vehicles in the Market

    Jordan Perch
    27 Jun 2014 | 5:46 am
    On top of making great motorcycles, Japanese manufacturers Yamaha and Suzuki have made quite a name for themselves in the all-terrain vehicle segment. They have been building such vehicles for a long time, managing to become some of the most significant players in a market that has been largely dominated by Japanese companies. While Toyota and Nissan are focusing on their “green” cars, and Honda exploring innovative solutions, these two giants are determined to keep their strong position in this niche. About two decades ago, Suzuki was the first company to introduce a four-wheel…
  • 8 Worst Automobile Fails of All Time

    Shaun Fyffe
    23 Jun 2014 | 6:33 pm
    Designing a car is no easy task. After it’s all said and done, thousands of eyeballs have checked every aspect of the vehicle to make sure everything is absolutely perfect. So how is it possible that there have been so many atrocious cars unleashed on the public? There have been eyesores, lemons, rust buckets, and worst of all – death traps. Below, we’ve put together our list of the 8 biggest automobile fails of all time. Let’s start with #8… #8. The Amphicar Amphicar under the Creative Commons. Author dontworry You like cars, right? And boats…who doesn’t like boats? Wouldn’t…
  • How to Give Your Car the Love It Deserves

    Adrienne Erin
    18 Jun 2014 | 3:48 pm
    Considering the substantial amount of time on spends in their car (about 600 hours per year), it’s not too surprising that 4 in 10 Americans claim their car has a unique personality. Even if you just perceive your car as a machine lacking personality, there are several reasons why you should give your car the love it deserves – namely that your safety is dependent on its maintenance, and that – in some cases – your car can be an extension of your own personality and habits. Give Love to your Car! Photo Credit: Thomas R. Stegelmann (Creative Commons). So, how can you give your car…
  • 5 Best New Cars For 2014

    Erin Warbrook
    4 Jun 2014 | 9:53 am
    Buying a new car can be a challenging task, especially when your budget is restricted. When it comes to deciding which car you should be driving this year, we have compiled the top 5 cars of 2014 here for you to take into consideration. Ford Focus Ford Focus has gone through a total overhaul in 2014. The oversized grille that used to be seen at the front bumper is now gone, so are the rounded-shaped headlights and the number of dashboard buttons. These are replaced by a much sleeker and less complicated design. Cabin quality has also improved now as better materials are used. 2014 Ford Focus…
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    NoExam.com » BlogNoExam.com

  • Should You Do CrossFit?

    Jonathan Holloway
    7 Jul 2014 | 12:15 pm
    CrossFit is the latest craze to sweep the United States. In fact, the reach of the intense exercise program expands globally. There is even a popular, televised event called the CrossFit Games for top athletes to compete. You have probably heard of CrossFit before, both the good and the bad, but until you know more […] The post Should You Do CrossFit? appeared first on NoExam.com.
  • Counteracting the Effects Of Sitting All Day

    Jonathan Holloway
    30 Jun 2014 | 2:43 pm
    In an ideal world, your body would engage in mild to moderate activity from sun-up to sundown. This activity would be punctuated by bursts of vigorous, heart-pounding exercise that burned calories and kept you fit and trim. You wouldn’t be confined to a desk or locked in your car for hours at a time, and […] The post Counteracting the Effects Of Sitting All Day appeared first on NoExam.com.
  • The Hidden Benefits of Biking

    Jonathan Holloway
    23 Jun 2014 | 1:39 pm
    Recent reports show that more Americans bike to work now than ever before. If you feel like you see more cyclists on the road, that’s probably because the number of people who bike to work has jumped by about 60 percent in less than two decades. That doesn’t even include the people who bike for […] The post The Hidden Benefits of Biking appeared first on NoExam.com.
  • Polyphasic Sleep Schedule – The How, Benefits, Adapting, and Overcoming Obstacles.

    Jon Fritz
    6 Apr 2014 | 7:20 pm
    People use many tips and tricks to improve their sleep, but altering the sleep cycle itself is one of the most radical. You can attempt to adapt to many sleep cycles. Of these, the polyphasic sleep cycle is possibly the most challenging. Those who successfully adapt to polyphasic sleep, however, claim that the benefits are […] The post Polyphasic Sleep Schedule – The How, Benefits, Adapting, and Overcoming Obstacles. appeared first on NoExam.com.
  • Financial Tips To Keep You On Track This Year

    Jon Fritz
    12 Mar 2014 | 11:15 am
    You might dream of winning the lottery, getting the sort of once-in-a-lifetime stock tip that will make you a millionaire, or discovering a long-lost, wealthy uncle who left you a fortune in his will, but be honest—that’s not likely to happen, is it? However, that’s not to say that you can’t build up a stellar […] The post Financial Tips To Keep You On Track This Year appeared first on NoExam.com.
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    Bankrate.com » Insurance

  • Few are buying ‘Wal-Mart life’

    Jay MacDonald
    31 Jul 2014 | 12:00 pm
    Despite the power of Wal-Mart and the charm of Peanuts, life insurance remains a tough sell to the middle class.
  • Insured for a 2nd ‘Sharknado’?

    Crissinda Ponder
    29 Jul 2014 | 11:02 am
    Would you be covered if swirls of flying fish damaged your home in the city?
  • Study: Obamacare tops 10 million

    Jay MacDonald
    28 Jul 2014 | 10:05 am
    Harvard study says federal estimate of 8 million adults insured under Obamacare was too low.
  • Why Obamacare will survive

    Jay MacDonald
    25 Jul 2014 | 3:05 am
    Health care subsidies under the Affordable Care Act should easily withstand a court challenge based on word choice.
  • Court chaos on Obamacare

    Crissinda Ponder
    22 Jul 2014 | 9:58 am
    Courts have issued conflicting rulings on the insurance subsidies at the heart of the Affordable Care Act.
 
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    Assetsure

  • How to make a splash with… rubies

    Sara Jaspan
    17 Jul 2014 | 7:51 am
    One of the most celebrated ruby necklaces of our time was given to a beautiful young woman one morning as she lay by the poolside of the iconic Villa Fiorentina, on the Côte d’Azur.When her third husband, the American theatre and film producer, Mike Todd, clasped the stunning Cartier diamond and ruby set around Elizabeth Taylor’s neck, it was the gem’s fiery red colour that stole her breath away…A day of perfect love Taylor later recalled: “Since there was no mirror around, I had to look into the water – the jewellery was so glorious, rippling red on blue like a painting. I…
  • Summer love will have to wait; the footy’s on!

    Sara Jaspan
    25 Jun 2014 | 7:19 am
    Jewellers are braced for the blow to their sales that comes once every four years – namely, the World Cup.Retailers across the UK are gearing themselves up for the start of summer – BBQs, Hawaiian shirts, and factor 50 are all at the ready. A great many businesses are also preparing for the added boost that only comes around every four years, but invariably leaves off-licences, supermarkets, TV shops and bookmakers laughing all the way to the bank and then home again; the World Cup. Figures suggest that football fans will spend as much as £56 extra each on beer, food and TVs for the…
  • A new pearl of wisdom for the fashion world; the Kate effect strikes again

    Sara Jaspan
    23 Jun 2014 | 2:30 am
    It may not come as much of a surprise to any dedicated follower of fashion, but Kate Middleton’s penchant for pearls is rekindling our love of the precious stone in all its forms.Kate Middleton is unarguably a force to be reckoned with when it comes to setting trends. These trends are not confined to wedding preferences, but include bags, hairstyles, and now, it seems, jewellery preferences.After spending years at the back of many a jewellery box, ignored as an outdated accessory more suited to the style of Margaret Thatcher than A-list celebrities, the pearl is making a comeback, thanks in…
  • Bicycle Locks

    Bob Andrews
    19 Jun 2014 | 4:26 am
    Bicycle locks cannot only keep your bike secure – but they are also typically mandatory as part of your bicycle insurance. And with the theft of bicycles on the rise – in 2013, over 462,000 were reported as stolen – it has never been so important to keep your bike as safe and sound as you can. There are a number of things you can do, such as where you leave and store your bike etc, that may help deter thieves. The most important place to start, however, is when locking up your bike.Chain With a chain you can weave it in and out of the frame as well as the wheels, making it is easy to…
  • The different types of hearing aids

    Bob Andrews
    18 Jun 2014 | 8:40 am
    The different types of hearing aidsAccording to latest figures, there are around 4 million people in the UK with hearing loss who don’t wear a hearing aid, but who could benefit from wearing one. Often, people think there is a stigma attached to wearing a hearing aid, or that it will look unsightly, so would rather try and manage without.Hearing aids have come on leaps and bounds in recent years, however, and are a lot smaller and more compact than they were before. In fact, there are even celebs who wear them, but you would never know due to them being so inconspicuous (just search Google…
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    Enhanced Insurance

  • Life Insurance For Seniors

    Nicoli Holm
    30 Jul 2014 | 9:03 am
    If you search for life insurance for seniors or just “life insurance” and include qualifiers that include words like “senior”, “over 65”, “mature”, “elder” or “retired”, you will likely be given multiple selections for cheap burial insurance. I don’t know about you, but when I’m considering a life insurance purchase the last thing on my mind is “How am I going to pay for a mortician?” Personally when I die, I’m requesting an inexpensive cremation with scattered ashes. If I were intending to buy life insurance, it’s going to be to improve my…
  • Have Uber and Lyft Used Insurance to Their Advantage?

    Jim Holm
    29 Jul 2014 | 8:10 am
    For almost a year I’ve watched the TNC industry (Transportation Network Companies like Uber and Lyft) grow from start-ups to financial behemoths. As a father of four (the youngest of them graduated from college a year ago) I’m struck by how similar the evolution of the TNC industry has been to the development of a child. As much as I dislike many regulators and their blatant political actions, “but for” those regulators it is highly unlikely that these companies would have eaten their vegetables. They seem, in many respects, to want a steady diet of cake and candy. From almost the…
  • Are You Covered in the Event of a Natural Catastrophe?

    Jenna Christianson
    29 Jul 2014 | 6:43 am
    Imagine you just bought your first home. You and your family love the location, your new neighbors, the school district, and the nearby amenities. Your first summer living in your house is spent building memories. You and your children created a garden in the backyard and your spouse helped you paint some of the bedrooms. What was once a dream of yours has become a reality. Unfortunately, that dream did not last long. Heavy autumn rains have saturated the soil. What was once a sleepy community in the hills has turned into a muddy, flooded disaster zone. There is even the potential for a…
  • How Much Does Life Insurance Cost?

    Clarence Holm
    28 Jul 2014 | 6:17 am
    You reached this page because you’ve entered a search regarding “how much does life insurance cost”. Our website does not provide instant life insurance quotes, if you want a quote the agent listed on the upper right hand side of this page that is close to your location and can help you. If you are looking for information about life insurance cost read on— Many years ago, I brought home a young puppy that was from a large litter that was at my friend’s house. I remember trying to convince my father that we should keep it because it was “free and all we had to do is…
  • How Much Does Health Insurance Cost?

    Clarence Holm
    26 Jul 2014 | 8:07 am
    A Lot! Or so we’ve been informed by every news story we’ve read and by each politician who is looking to gain votes at election time. If we paid attention to half of the news being broadcast lately, either through radio, television of even the print media, you would have to think that not only is the price of health insurance going up. The industry itself appears to be on the verge of collapse. It seems the (as Chicken Little was quoted as saying) “the sky is falling!” for health care. While the thought of the sky falling is not very reassuring, there are as many other reasons to be…
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    Montgomery & Associates

  • A Boy Can Do All That?

    MAadmin
    23 Jul 2014 | 8:22 pm
        Well, not a real boy. The name of an ocean temperature anomaly, El Niño, Spanish for “the boy,” is famous for its dramatic effect on weather throughout the western hemisphere. But how does it affect us? While El Niño and its counterpart La Niña (“the girl”) are irregular and hard to predict, one or the other is sure to occur every three to five years. And with one gearing up as you read (due this year) —El Niño—it’s good to be prepared for changing weather.   So what is El Niño? The National Ocean Service tells us that El Niño and La Niña are changes in…
  • DIY Insurance: Safes and Protecting Your Own Assets

    MAadmin
    3 Jul 2014 | 2:25 pm
        Do you own a lot of valuable personal items? If you do, you know the value of a good quality safe. If you don’t, you should still have a safe on hand. That may sound silly—what do you have to protect? You’d be surprised. Safes are handy for keeping things like diamonds and guns away from thieves and foolish family members, sure. But they’re also useful in preserving your most important documents, anything from birth certificates to emergency cash. A safe really should be a given for every household and here’s why:   Theft Even if you live in the safest of…
  • Safe Sailing: Insuring Your Boat

    MAadmin
    20 Jun 2014 | 2:21 pm
        There’s nothing quite like jumping on a boat and sailing across the water—sun on your face, wind blowing your hair back. You can forget your worries on the water like you can’t anywhere else. But while you’re floating into oblivion on your boat, who is making sure that you’ll be reimbursed if you hit a hidden log? Or another boat? Boat insurance is key not only in protecting your property, but yourself.   Why should I insure my boat? Boat insurance is like car insurance, and you want it for the same reasons—liability and repairs. Boating insurance is not…
  • Affordable Care and You

    MAadmin
    4 Jun 2014 | 10:41 am
        As the Affordable Care Act, or Obamacare, gets closer and closer to fulfillment across the US, health insurance companies are making small changes to get ahead of the big ones mandated in the next few years. But what do these changes mean for the average employed American? For most of us who get our health insurance coverage through work, it doesn’t mean a drastic change. But for those who don’t have insurance, or who work part-time, the changes will be noticeable. How the Affordable Care Act Is Affecting Health Insurance Obamacare is complicated to understand because there…
  • Why Your Future Depends on a Financial Plan

    MAadmin
    12 May 2014 | 1:00 pm
        Like so many of us, the phrase “financial planning” might produce a yawn and make you want to close this window. But there are some pretty good reasons why you should keep reading, and why financial planning should make your mouth water instead of widen. Financial planning isn’t just for executives anymore. You can take advantage of financial planning for any household, whether or not you have excess cash flow or a surprise inheritance. Financial planning can put your money on the right path.   What is financial planning? Simply put, financial planning means that you…
 
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    INSURANCE EDITOR | DAILY INSURANCE TIPS

  • Tips for Health Insurance that Getting the Most Out Of Your Money!

    Eric C.
    23 Jul 2014 | 2:05 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Tips for Health Insurance | Getting the Most Out Of Your Health Insurance Money! Tips for Health Insurance | Health insurance is an absolute necessity has in the occasion you have a genuine medicinal... Tips for Health Insurance that Getting the Most Out Of Your Money! Eric C.
  • Effective Contributing For Youngsters

    Eric C.
    13 Jul 2014 | 7:42 am
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Effective Contributing For Youngsters When you’re junior, you need cash and you need it quick. You need your freedom and are sustained up of driving your 15 year-old utilized auto, riding your bicycle or... Effective Contributing For Youngsters Eric C.
  • Is My Health Insurance Arrangement a good fit for me?

    Eric C.
    10 Jul 2014 | 1:38 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Is My Health Insurance Arrangement a good fit for me? There are a plenty of distinctive approaches to get health insurance from a plenty of organizations. Exploration and more research is the best approach... Is My Health Insurance Arrangement a good fit for me? Eric C.
  • What is a Deductible?

    Eric C.
    6 Jul 2014 | 11:17 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . What is a Deductible? In the event that you are new to the universe of insurance arrangements, a term that you will frequently see being utilized by individuals and companies is “deductible”.   Basically,... What is a Deductible? Eric C.
  • Step by step instructions to make a Claim on Home Insurance

    Eric C.
    6 Jul 2014 | 10:46 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Step by step instructions to make a Claim on Home Insurance Owning a house accompanies a few difficulties. In the middle of guaranteeing that everything runs as it ought to, figuring out how to... Step by step instructions to make a Claim on Home Insurance Eric C.
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