Insurance

  • Most Topular Stories

  • Final Glance: Insurance companies

    Yahoo! Finance: Property & Casualty Insurance Industry News
    2 Sep 2014 | 3:02 pm
    [AP] - Shares of some top insurance companies were mixed at the close of trading: ACE L rose $.30 or .3 percent, to $106.63. Aflac Inc. rose $.02 or percent, to $61.26. American International Group fell $.26 ...
  • Life Insurance Planning: Products, People, and Processes

    Insure Life Surpasses Your Expectations
    10 Aug 2014 | 7:00 am
    Life insurance planning is more than simply choosing a competitively priced product. A successful life insurance plan involves the combination of products, people, and processes.  The necessary coordination of these components increases in importance as plans become more complex and additional stakeholders are involved, such as for estate planning, nonqualified benefit planning, or other advanced applications of permanent life insurance within financial plans. Products When choosing life insurance products, many agents and consumers focus solely on price.  Unfortunately,…
  • The Penn Mutual Life Insurance Company Announces Consumer Awareness Initiatives in Conjunction with September’s Life ...

    INSURANCE - Yahoo News Search Results
    2 Sep 2014 | 7:14 am
    During September’s Life Insurance Awareness Month, The Penn Mutual Life Insurance Company is dedicated to furthering its goal to educate consumers about the possibilities permanent
  • Cyber Liability Becoming More Common

    Insurance for Realtors and Real Estate Brokers
    tfirestine
    3 Sep 2013 | 4:57 am
    Although not a new issue for real estate professionals, computer related losses are starting hit main street with increasing storage of customer data. Lawmakers have taken note and the requirements (i.e. costs) of properly responding to a breach of privacy have greatly escalated in the past several years. With increased expensess and burdens placed on business, insurance companies have responded by offering cyber insurance. The coverage is new, not standardized and the terms are evolving quickly. Historically there was some coverage under standard insurance policies. Damage to your computer…
  • Warning Notice - Unlicensed Insurance Activity

    INSURANCE - Yahoo News Search Results
    2 Sep 2014 | 10:00 am
    Warning Notice - Unlicensed Insurance Activity
 
 
 
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    Work Comp Roundup

  • The Secret of Getting Ahead Is Getting Started, And Other News Tidbits

    Michael B. Stack
    2 Sep 2014 | 6:30 am
    2014 NSSTA Study on Structures In 2014, the National Structured Settlements Trade Association (NSSTA) commissioned CLM Advisors to conduct a study, where the focus was on how senior claims executives perceive the value of structured settlements and the value that structured settlement consultants bring to the table.  On Ringler Radio, host Larry Cohen and co-host, Robert Caples welcomes Taylor Smith, President of CLM Advisors, to spotlight this study, discuss the findings and explore how we can educate others on the value of structured settlements. Read more…    …
  • Employers: In New York It Now Pays To Be A Nit-Picker

    Attorney Theodore Ronca
    2 Sep 2014 | 6:30 am
    Until a decade ago, the NY comp board was all but insensate to many of the provisions of the Workers Compensation Law, a tradition which began with the 1947 changes in the law. The result was that clear provisions in the law were ignored in favor of informal “traditions”. That led to a degradation of adherence to the statute which led in turn to presentation of “close is good enough” facts and law.     Employers Receive Much Value From A Proactive Role   Employers, in turn, justifiably began to feel that their input was of little value in the outcome of claims, but that…
  • Charges Handed Out in Australian Workplace Fatality

    Kori Shafer-Stack
    2 Sep 2014 | 5:30 am
    The death of a worker in Australia has led to charges being dispersed.   Charges were handed down in relation to the July 2012 workplace fatality of Ben Catanzariti, who was killed when he was struck by a boom which collapsed at a construction site in Kingston in the ACT.   WorkSafe ACT recently concluded its investigation into the incident and the Director of Public Prosecutions accepted recommendations for charges to be laid in respect of alleged breaches of the ACT’s Work Health and Safety Act 2011, said Work Safety ACT Commissioner Mark McCabe.   Charges of reckless…
  • The Weight of Some Workers Comp Injuries

    Michael B. Stack
    29 Aug 2014 | 6:30 am
    According to a report from CDC, nearly 35 percent of Americans are considered obese.   The data goes on to show that the estimated annual medical expense due to obesity nationwide was a staggering $147 billion just six years ago. It turns out that medical costs for individuals who are obese were more than $1,400 greater than those of normal weight.   Meantime, a report from Florida-based NCCI Holdings Inc. claims that injuries suffered by obese workers often lead to substantially higher medical care and are more likely to become permanent disabilities than likewise injuries suffered…
  • Ohio Man Must Pay Back More Than $54K

    Kori Shafer-Stack
    29 Aug 2014 | 5:30 am
    Trying to cheat the workers compensation system in Ohio has led to a fine of more than $54,000 for one man.   The Orient (Pickaway County) male was ordered to pay more than $54,000 in restitution in connection with working while receiving workplace injury benefits. Craig Vance pleaded guilty July 24 in Franklin County Court of Common Pleas to one count of workers comp fraud, a fifth-degree felony.   “Thanks to an allegation reported to BWC, tens of thousands of dollars will be returned to the State Insurance Fund,” said Bureau of Workers’ Compensation (BWC)…
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    Colorado Health Insurance Insider

  • Assigning an agent/broker with Connect for Health Colorado

    Jay
    25 Aug 2014 | 7:51 am
    redirected The post Assigning an agent/broker with Connect for Health Colorado appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: What to look for when comparing Connect for Health Colorado plans Connect for Health Colorado Enrollment Update And Upcoming Deadlines Connect for Health Colorado Exceeding Enrollment Targets
  • Colorado health insurance quotes, research and support

    Louise
    19 Aug 2014 | 4:37 pm
    No cost help comparing plans, understanding subsidies, enrollment, billing, claims, etc. Get the support you need. The post Colorado health insurance quotes, research and support appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Compare Health Insurance in Colorado Bipartisan Support For Colorado Health Insurance Exchange Drying Up Colorado Group Health Insurance Law Proposed
  • Summer Reading Program – learn something new about ACA implementation and gear up for open enrollment!

    Louise
    16 Aug 2014 | 4:31 pm
    Brad Wright hosted this week’s Health Wonk Review over at Health Policy Analysis – be sure to check it out.  Two of my favorites this time around are from Health Affairs and Healthcare Lighthouse. At Health Affairs, John Kingsdale and Julie Lerche have an outstanding piece on some upheaval that could cause headaches for consumers […] The post Summer Reading Program – learn something new about ACA implementation and gear up for open enrollment! appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research…
  • Fixed Indemnity Plans – buyer beware; regulations begin soon

    Louise
    12 Aug 2014 | 5:42 pm
    In early 2013, we worked with a client shortly after he had received a sales pitch for what sounded like a very sketchy health insurance product.  We followed up on the issue, talking with an agent for the carrier in question, as well as the Colorado Division of Insurance.  At that time, full ACA implementation was still […] The post Fixed Indemnity Plans – buyer beware; regulations begin soon appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: IRS 2015 HSA Contribution…
  • Bundled payments and other risky endeavors

    Louise
    7 Aug 2014 | 4:03 pm
    Jaan Sidorov of the Disease Management Care Blog did an excellent job with the latest edition of the Cavalcade of Risk.  There’s plenty of good reading there, so don’t miss it.  I thought one of the most interesting posts was from Dr. Sidorov himself, writing about bundled payments.  He makes some really going points, explaining […] The post Bundled payments and other risky endeavors appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Colorado Delaying Medicaid Payments…
 
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    Home Insurance Blog

  • The Most Satisfied Homeowners in America

    Katherine Wood
    26 Aug 2014 | 9:03 am
    Maybe the grass looks greener on the other side, but is it really? We looked at factors designed to show homeowner satisfaction in mid-sized U.S. cities (populations ranging from 250,000-625,000). We evaluated classic favorites such as short commutes, good schools, and pleasant weather, but we also looked at other factors. The way we figure it, places where residents spend a smaller percentage of the household income on housing costs, have minimized debt, and generally high community satisfaction all come together to make a happy city. So which mid-sized cities are the happiest? The answer…
  • Shaken – Now Get Stirred

    Arthur Murray
    25 Aug 2014 | 9:14 am
    The 6.1 magnitude tremor that struck Northern California thankfully resulted in no deaths, though it did result in more than 150 injuries. But it should give a wakeup call in California – where only about 10% of homeowners have earthquake insurance, according to the California Earthquake Authority – and across the nation. That’s because homeowners in the U.S. have been sleeping on earthquake issues, even though they are not covered by standard home insurance policies. Nationally, only 7% of homeowners purchase earthquake insurance, either as an endorsement to their home insurance…
  • Keep Things Cool This Labor Day

    Eli Pacheco
    22 Aug 2014 | 8:51 am
    Workers of the world, your day is approaching. Since 1894, America has reserved the first Monday in September to recognize its labor force. The holiday once included a parade and fair. Now, it’s about a three-day weekend, a late-summer block party, or just firing up the grill one last time for the summer. Unfortunately, Labor Day isn’t always the fun and games that should be part of a holiday from work.  Guests still fall off porches. Dogs still bite neighbors. Thieves still manage to make off with flat-screen TVs while the home owner chills in a hammock on a far-away coast.
  • The Millennial’s Guide to First-Time Home Buying

    Samantha Alexander
    20 Aug 2014 | 10:56 am
    The decision to buy a home isn’t a small one and for millennials with large amounts of student debt, sometimes home buying hasn’t been an option. However, with lender flexibility growing, purchasing a home is becoming a realistic option for many millennials. Before you pore over real-estate websites looking for your dream house, you have to decide if you’re ready to buy a home. You should ask yourself a few questions: Do I have enough for a down payment? How is my credit? Do I have student loan debt to consider? How long am I planning on staying in the area? Do I feel ready for the…
  • Top 5 Flood-Safe Coastal Cities in East Coast States

    Eli Pacheco
    18 Aug 2014 | 8:10 am
    Living on the coast is a breeze – until it isn’t. The allure of a home near the seashore comes with certain dangers, not the least of which is flooding. Some cities, though, rank better than others when it comes to managing seaside flood risk. We examined midsized cities (with populations of 150,000 to 800,000) in states along the East Coast to determine which had the most optimal conditions for the high life – or at least, the dry life. (One note: All our cities are from states along the East Coast, but some of the cities actually face the Gulf of Mexico rather than the Atlantic…
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    Insurance Law Hawaii

  • Contractual Assumption of Liability Does Not Bar Coverage

    Tred Eyerly
    27 Aug 2014 | 3:01 am
       The Michigan Court of Appeals rejected the insurer's argument that coverage was barred for the insured's contractual assumption of liability of another. Travelers Prop. Cas. Co. of Am v. Peaker Serv., Inc., 2014 WL 3605680 (Mich. Ct. App. July 22, 2014).    The contractor was hired to install an "electronic over-speed system" at the University of Michigan. The hope was that the new system would prevent the steam turbines at the central power plant from turning too quickly. The parties' contract provided, Section 15.18. Supplier Damage to University Property.
  • Business Risk Exclusions Bar Coverage for Construction Defect Claims

    Tred Eyerly
    25 Aug 2014 | 3:01 am
       The homeowners' assigned claims against the general contractor's insurer were barred by business risk exclusions in the CGL policies. W. Heritage Ins. Co. v. Cannon, 2014 U.S. Dist. LEXIS 101382 (E.D. Wash. July 24, 2014).    The Cannons contracted with Cook Custom Homes to build their home. Cook never hired a soil engineer. The lot was excavated and the basement foundation was back-filled. When the Cannons moved in, they noticed cracks throughout the foundation, basement slab, ceilings and driveway. The Cannons' home was rendered uninhabitable.    The Cannons sued…
  • Duty to Defend Construction Defect Case Triggered by Complaint's Allegations

    Tred Eyerly
    20 Aug 2014 | 3:01 am
         The subcontractor's insurer could not escape contributing to defense costs of its insured when coverage was possible based upon the underlying complaint's allegations. Seneca Ins. Co. v. James River Ins. Co., 2014 U.S. Dist. LEXIS 97156 (D. Ore. July 17, 2014).    The underlying action alleged construction defects in a 60-unit complex located in Seaside, Oregon. S.D. Deacon Corp. was the general contractor and contracted with the owners association to reconstruct portions of the building, including the curtain wall. Deacon subcontracted with Superwall Design, LLP for work…
  • Reference to "Any Insured" Prevents Coverage for Diocese in Sexual Abuse Case

    Tred Eyerly
    18 Aug 2014 | 3:01 am
       An exclusion for the liability of "any insured" for assault and battery precluded coverage for the Diocese sued in a sexual abuse case. Interstate Fire & Cas. Co., Inc. v. Roman Catholic Church of the Diocese of Phoenix, 2014 U.S. App. LEXIS 14735 (9th Cir. July 30, 2014).    The Diocese settled four lawsuits for alleged sexual abuse by its priests. The Diocese filed a declaratory judgment action seeking indemnification under Interstate Fire & Casualty's excess liability policy. The policy promised to indemnify "the Assured for all sums which the Assured…
  • Water Seepage, Ensuing Mold Damage Covered by Homeowner's Policy

    Tred Eyerly
    13 Aug 2014 | 3:01 am
       The appellate court reversed the trial court's determination that the policy covered only mold damage, but not damage caused by water seepage. Henderson v. Georgia Farm Bureau Mut. Ins. Co., 2014 Ga. App. LEXIS 539 (Ga. Ct. App. July 16, 2014).     The homeowner's policy covered losses caused by constant seepage or leakage of water or the presence of condensation or moisture over a period of time. The insureds also paid for additional coverage for "ensuing mold . . . caused by or resulting from" one of the covered risks, including water seepage.    Ms. Henderson…
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    TDI News Releases

  • safegrilling

    29 Aug 2014 | 8:13 am
    08/29/14 - AUSTIN, TX – College football season is underway, which means tailgating, barbecuing, and outdoor grilling. Whether you are grilling at a tailgate party or in your back yard, always make sure you are grilling safe!
  • compconfdwc

    26 Aug 2014 | 11:51 pm
    08/27/14 - AUSTIN, TX — The Division of Workers’ Compensation (DWC) will host the Texas Workers’ Compensation Compliance Conference in 2014. The conference will be held in Austin on September 12, 2014 and repeated in Houston on October 21, 2014.
  • dwcenforceaug

    13 Aug 2014 | 9:13 am
    08/13/14 - AUSTIN - Commissioner of Workers’ Compensation Ryan Brannan recently announced final disciplinary actions taken by the Division of Workers’ Compensation (DWC).
  • frauddir

    11 Aug 2014 | 9:21 am
    08/11/14 - AUSTIN – The Texas Department of Insurance (TDI) has selected Chris Davis as the new associate commissioner of TDI’s Fraud Unit.
  • SFMO Forum

    8 Aug 2014 | 1:32 am
    08/8/14 - SAN ANTONIO, TX – The Texas Fire Marshal’s Office (SFMO) and San Antonio Fire Department are hosting the August Fire Investigation Forum. The forum topic is Complex and Fatality Scene Management. Tommy Sing and Assistant State Fire Marshal Kelly Kistner will be presenting.
 
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    WordPress Tag: Auto Insurance

  • Car Insurance For Teenagers

    Aimee Delavan
    14 Aug 2014 | 11:06 am
      Do you have a teenage driver (or one on the way)? Back to school time is a great opportunity to think about car insurance savings! Having a teenage driver can be stressful. You worry, first and foremost, about their safety and then about the costs. And there are a lot of costs! Things like purchasing an additional vehicle, getting licensed, and paying a little more for insurance. Fortunately, you still have options. First you want to think about the vehicle your teen will be driving. Premiums are higher on vehicles with comprehensive and collision coverage. This pays to fix your…
  • New to Your Motorcycle: Here are 5 Tips for Beginner Riders

    Schumacher Insurance Agency
    14 Aug 2014 | 6:30 am
    You’ve always wanted a motorcycle and now that dream has finally become a reality.   While you’ve ridden with friends, this is the first time you’ve ever had your own bike and want to make sure you do everything right. These tips for motorcycle riders are great ways to ensure both your personal and financial safety. Source: Discovery Begin with a “starter” bike. Though you may be tempted now after all these years to get that bike you’ve always longed for, it’s important to remember this is a completely new experience and accidents do happen. You…
  • Protect Your Investment With The RIGHT Auto Insurance Policy

    targetup2014
    14 Aug 2014 | 1:39 am
    TIP! Before you buy a car, you should research the insurance rates on the vehicle you are considering. You can ask an insurance agent about the vehicles that have great rates. The price of insurance is based on several factors, some of which can be changed, and some which cannot. You can pay less in premiums if you agree to pay more in deductibles. The tips in this piece can prove valuable in your search for the lowest prices for car insurance. TIP! Lapses in coverage are a sure way to see an increase in premiums. Going from one carrier to another or from one policy to another, you can easily…
  • E.U. considering requiring auto insurance for riding mowers!

    Will S.
    14 Aug 2014 | 12:35 am
    Unbelievable… The European Union is considering requiring those who mow their lawns with a riding lawnmower to have automobile insurance, even if the lawnmower never leaves their property. A Slovenian man was injured after the ladder he was standing on was hit by a trailer attached to a tractor that was backing up.  That case is currently in the European court system, but regulators say it shows the need for compulsory insurance even on vehicles that aren’t operated on the roads.
  • Beginner Tips To Help You Save Like A Pro On Auto Insurance

    premierinsurancedc
    13 Aug 2014 | 11:01 pm
    Everyone who owns a car must buy auto insurance. It can be hard to find the right one, though. You have to find an insurance policy that has everything you need, and also does not cost too much. Do the research to make sure you are getting what you need at the best price. The advice in this…
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    Insurance RSS Feed | JD Supra Law News

  • News from the Health Law Gurus™

    Obermayer Rebmann Maxwell & Hippel LLP
    2 Sep 2014 | 2:05 pm
    2019 Medicare Budget Reduced by $95 Billion – The New York Times is reporting that the projected Medicare budget for 2019 is $95 billion less than the projected budget for 2019 four years ago. According to the article, “[t]he country still faces...By: Obermayer Rebmann Maxwell & Hippel LLP
  • Florida Finds No Coverage For Property Damage Caused By Neighbor’s Corpse.

    Traub Lieberman Straus & Shrewsberry LLP
    2 Sep 2014 | 1:22 pm
    On August 20, 2014, the Florida Court of Appeals refused to reconsider its decision in Rodrigo v. State Farm Florida Ins. Co., No. 4D12-3410 (Fla. App. 4th Dist. April 23, 2014), that the insured breached the policy by not submitting a sworn proof of...By: Traub Lieberman Straus & Shrewsberry LLP
  • Data protection authority approves insurance antifraud registry

    DLA Piper - IP Technology in Italy
    2 Sep 2014 | 11:25 am
    Data protection rules will be adequately protected through the registry to be set up against frauds in the insurance sector according to the Italian data protection authority....By: DLA Piper - IP Technology in Italy
  • Insurer’s “Reservation of Rights” Creates a Conflict of Interest, Entitling the Insured to Independent Defense Counsel

    Gray Plant Mooty
    2 Sep 2014 | 10:59 am
    In case that has been widely watched by Minnesota insureds and insurers alike, a federal district court ruled Tuesday that an insurer’s “reservation of rights” letter created a conflict of interest, thereby permitting the policyholder to retain...By: Gray Plant Mooty
  • NAIC Moving Forward on Regulation of XXX/AXXX Financing Transactions

    Duane Morris LLP
    2 Sep 2014 | 10:18 am
    For more than two years, the National Association of Insurance Commissioners (the "NAIC") has been addressing the use by life insurers of captive reinsurers to finance reserves for certain term life insurance or universal life insurance policies (the...By: Duane Morris LLP
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  • Chief charged with stealing from children

    2 Sep 2014 | 8:29 pm
    Chief charged with stealing from children YouTube A former Massachusetts police chief has been accused of stealing more than $51K from a children's toy fund. Callous way he spent the moneyMore in Finance Credit card with big rewards How Coca-Cola built beyond soda
  • Report: Team to give Michael Sam a chance

    2 Sep 2014 | 8:29 pm
    Report: Team to give Michael Sam a chanceAPMichael Sam, who was cut by the St. Louis Rams, may have a passageway to the NFL after all, pending a physical on Wednesday.Squad that can use defensive helpMore football coverage NFL power rankings: Week 1Who will win the MVP this year?
  • Woman who almost died from 'toxic tea' breaks silence

    2 Sep 2014 | 8:29 pm
    Woman who almost died from 'toxic tea' breaks silence TribuneA sip set her mouth on 'fire' -- and for 6 days, she hovered near death.Chemical that was mixed in sugarMore to see New Hershey's logo looks like ... Off-duty paramedic is a hero
  • Family confirms that Joan Rivers is on life support

    2 Sep 2014 | 8:29 pm
    Family confirms that Joan Rivers is on life supportGetty Melissa Rivers confirmed in a statement Tuesday that her mother is currently on life support after going into cardiac arrest last week.Reason she thanked Joan's fans In other newsUnderwood has big newsFirst pics of Jolie's wedding dress
  • ISIS militants behead another American

    2 Sep 2014 | 8:29 pm
    ISIS militants behead another American SITE Intel GroupIslamic State militants released a video showing the graphic murder of Steven Sotloff only days after his mother begged for his safety.Group reveals its next targetMore on this storyUS sends more troops to IraqGrim video released prematurely?
 
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  • Chief charged with stealing from children

    2 Sep 2014 | 8:29 pm
    Chief charged with stealing from children YouTube A former Massachusetts police chief has been accused of stealing more than $51K from a children's toy fund. Callous way he spent the moneyMore in Finance Credit card with big rewards How Coca-Cola built beyond soda
  • Report: Team to give Michael Sam a chance

    2 Sep 2014 | 8:29 pm
    Report: Team to give Michael Sam a chanceAPMichael Sam, who was cut by the St. Louis Rams, may have a passageway to the NFL after all, pending a physical on Wednesday.Squad that can use defensive helpMore football coverage NFL power rankings: Week 1Who will win the MVP this year?
  • Woman who almost died from 'toxic tea' breaks silence

    2 Sep 2014 | 8:29 pm
    Woman who almost died from 'toxic tea' breaks silence TribuneA sip set her mouth on 'fire' -- and for 6 days, she hovered near death.Chemical that was mixed in sugarMore to see New Hershey's logo looks like ... Off-duty paramedic is a hero
  • Family confirms that Joan Rivers is on life support

    2 Sep 2014 | 8:29 pm
    Family confirms that Joan Rivers is on life supportGetty Melissa Rivers confirmed in a statement Tuesday that her mother is currently on life support after going into cardiac arrest last week.Reason she thanked Joan's fans In other newsUnderwood has big newsFirst pics of Jolie's wedding dress
  • ISIS militants behead another American

    2 Sep 2014 | 8:29 pm
    ISIS militants behead another American SITE Intel GroupIslamic State militants released a video showing the graphic murder of Steven Sotloff only days after his mother begged for his safety.Group reveals its next targetMore on this storyUS sends more troops to IraqGrim video released prematurely?
  • add this feed to my.Alltop

  • Chief charged with stealing from children

    2 Sep 2014 | 8:29 pm
    Chief charged with stealing from children YouTube A former Massachusetts police chief has been accused of stealing more than $51K from a children's toy fund. Callous way he spent the moneyMore in Finance Credit card with big rewards How Coca-Cola built beyond soda
  • Report: Team to give Michael Sam a chance

    2 Sep 2014 | 8:29 pm
    Report: Team to give Michael Sam a chanceAPMichael Sam, who was cut by the St. Louis Rams, may have a passageway to the NFL after all, pending a physical on Wednesday.Squad that can use defensive helpMore football coverage NFL power rankings: Week 1Who will win the MVP this year?
  • Woman who almost died from 'toxic tea' breaks silence

    2 Sep 2014 | 8:29 pm
    Woman who almost died from 'toxic tea' breaks silence TribuneA sip set her mouth on 'fire' -- and for 6 days, she hovered near death.Chemical that was mixed in sugarMore to see New Hershey's logo looks like ... Off-duty paramedic is a hero
  • Family confirms that Joan Rivers is on life support

    2 Sep 2014 | 8:29 pm
    Family confirms that Joan Rivers is on life supportGetty Melissa Rivers confirmed in a statement Tuesday that her mother is currently on life support after going into cardiac arrest last week.Reason she thanked Joan's fans In other newsUnderwood has big newsFirst pics of Jolie's wedding dress
  • ISIS militants behead another American

    2 Sep 2014 | 8:29 pm
    ISIS militants behead another American SITE Intel GroupIslamic State militants released a video showing the graphic murder of Steven Sotloff only days after his mother begged for his safety.Group reveals its next targetMore on this storyUS sends more troops to IraqGrim video released prematurely?
  • add this feed to my.Alltop

  • Chief charged with stealing from children

    2 Sep 2014 | 8:29 pm
    Chief charged with stealing from children YouTube A former Massachusetts police chief has been accused of stealing more than $51K from a children's toy fund. Callous way he spent the moneyMore in Finance Credit card with big rewards How Coca-Cola built beyond soda
  • Report: Team to give Michael Sam a chance

    2 Sep 2014 | 8:29 pm
    Report: Team to give Michael Sam a chanceAPMichael Sam, who was cut by the St. Louis Rams, may have a passageway to the NFL after all, pending a physical on Wednesday.Squad that can use defensive helpMore football coverage NFL power rankings: Week 1Who will win the MVP this year?
  • Woman who almost died from 'toxic tea' breaks silence

    2 Sep 2014 | 8:29 pm
    Woman who almost died from 'toxic tea' breaks silence TribuneA sip set her mouth on 'fire' -- and for 6 days, she hovered near death.Chemical that was mixed in sugarMore to see New Hershey's logo looks like ... Off-duty paramedic is a hero
  • Family confirms that Joan Rivers is on life support

    2 Sep 2014 | 8:29 pm
    Family confirms that Joan Rivers is on life supportGetty Melissa Rivers confirmed in a statement Tuesday that her mother is currently on life support after going into cardiac arrest last week.Reason she thanked Joan's fans In other newsUnderwood has big newsFirst pics of Jolie's wedding dress
  • ISIS militants behead another American

    2 Sep 2014 | 8:29 pm
    ISIS militants behead another American SITE Intel GroupIslamic State militants released a video showing the graphic murder of Steven Sotloff only days after his mother begged for his safety.Group reveals its next targetMore on this storyUS sends more troops to IraqGrim video released prematurely?
 
  • add this feed to my.Alltop

  • Chief charged with stealing from children

    2 Sep 2014 | 8:29 pm
    Chief charged with stealing from children YouTube A former Massachusetts police chief has been accused of stealing more than $51K from a children's toy fund. Callous way he spent the moneyMore in Finance Credit card with big rewards How Coca-Cola built beyond soda
  • Report: Team to give Michael Sam a chance

    2 Sep 2014 | 8:29 pm
    Report: Team to give Michael Sam a chanceAPMichael Sam, who was cut by the St. Louis Rams, may have a passageway to the NFL after all, pending a physical on Wednesday.Squad that can use defensive helpMore football coverage NFL power rankings: Week 1Who will win the MVP this year?
  • Woman who almost died from 'toxic tea' breaks silence

    2 Sep 2014 | 8:29 pm
    Woman who almost died from 'toxic tea' breaks silence TribuneA sip set her mouth on 'fire' -- and for 6 days, she hovered near death.Chemical that was mixed in sugarMore to see New Hershey's logo looks like ... Off-duty paramedic is a hero
  • Family confirms that Joan Rivers is on life support

    2 Sep 2014 | 8:29 pm
    Family confirms that Joan Rivers is on life supportGetty Melissa Rivers confirmed in a statement Tuesday that her mother is currently on life support after going into cardiac arrest last week.Reason she thanked Joan's fans In other newsUnderwood has big newsFirst pics of Jolie's wedding dress
  • ISIS militants behead another American

    2 Sep 2014 | 8:29 pm
    ISIS militants behead another American SITE Intel GroupIslamic State militants released a video showing the graphic murder of Steven Sotloff only days after his mother begged for his safety.Group reveals its next targetMore on this storyUS sends more troops to IraqGrim video released prematurely?
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    Artemis.bm - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management Blog

  • A.M. Best explains its negative rating outlook for reinsurance sector

    Artemis
    2 Sep 2014 | 8:37 am
    Rating agency A.M. Best changed its outlook on the reinsurance sector to negative recently, becoming the fourth of the major rating agencies to do so. In a video published this week senior A.M. Best rating executives explained the rational behind the shift. Robert DeRose, Vice President at A.M. Best, said that the negative outlook has been an issue which was highly debated among the reinsurance team at the rating agency since April when it first put a warning out to the market that a change in rating outlook to negative was a possibility. Earnings among reinsurers have been relatively…
  • ILS managers well positioned for any SEC scrutiny on asset values

    Artemis
    2 Sep 2014 | 4:48 am
    The insurance-linked securities (ILS) and reinsurance linked investments market may be one of the better positioned for any additional scrutiny the U.S. Securities and Exchange Commission (SEC) decides to place on managers of illiquid assets. This weekend the Financial Times highlighted ILS as one of the asset classes which has seen an increasing level of scrutiny of fund managers in Europe from the U.S. regulator as it tries to respond to concerns about the valuation of illiquid assets. The FT says the additional scrutiny is a result of a new push to increase oversight of funds which conduct…
  • Tropical storm Dolly forms in Bay of Campeche, rain threat to Mexico

    Artemis
    2 Sep 2014 | 1:45 am
    The fourth named storm of the 2014 Atlantic Tropical Storm & Hurricane Season, has formed in the Bay of Campeche area of the southwest Gulf of Mexico. Tropical storm Dolly will be no threat to the U.S. but will pose a rain threat to Mexico. Update 14:15 ET: Tropical storm Dolly’s winds have increased to 50mph, but now that the storm is approaching land little further intensification is to be expected. After making landfall in Mexico Dolly’s winds will be expected to weaken quickly. The latest update from the NOAA describes the following hazards to land. Rainfall, dolly is…
  • PGA Sompo launches parametric typhoon insurance for Philippines

    Artemis
    2 Sep 2014 | 12:58 am
    PGA Sompo Japan Insurance Inc, the Philippines based subsidiary of Sompo Japan Insurance Inc., has launched a parametric typhoon insurance product designed to mitigate against agricultural damage from major storms. Initially the typhoon product, which Sompo itself considers index-insurance but which appears a more simple parametric trigger structure, will be sold to agricultural customers in the Philippines, with the banana production market in Mindanao the first target market. After initial trials with banana producers the company aims to target producers of sugar cane and other agricultural…
  • Expanding terms, competing with selves: A.M. Best on London re/insurers

    Artemis
    1 Sep 2014 | 6:43 am
    In a report on London insurance and reinsurance market conditions, A.M. Best warns that expansion of terms and conditions will adversely affect results, while firms managing third-party capital are effectively competing with their own products. The rating agency reports are coming thick and fast in the run up to Monte Carlo and the beginnings of discussions in preparation for the January 2015 reinsurance renewals. Pressure on reinsurers is mounting and no market is immune, as the over-capitalised traditional reinsurance market comes to terms with a growing alternative reinsurance capital pot…
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    GCCapitalIdeas.com

  • GC Capital Ideas Top Stories: August, 2014

    GC Editor
    1 Sep 2014 | 10:00 pm
    1. July 1 Renewals Reveal Continued Double Digit Price Decreases Across Many Lines and Geographies: Guy Carpenter reports that market pressures at July 1 renewals continued to drive price decreases... Continue reading...
  • GC Capital Tip: Use E-mail Alerts Effectively

    GC Editor
    31 Aug 2014 | 10:00 pm
    We know that different readers have different needs. So, instead of checking GC Capital Ideas every day, use our e-mail alerts to see when we’ve published an article that may interest you. Every day,... Continue reading...
  • Week’s Top Stories: August 23 — 29, 2014

    GC Editor
    29 Aug 2014 | 5:00 am
    6.0Mw Earthquake - American Canyon, California: A 6.0-magnitude earthquake was reported by the U.S. Geological Survey (USGS) about 4 miles northwest of American Canyon, California and five miles... Continue reading...
  • US Terrorism Market: TRIPRA

    GC Editor
    27 Aug 2014 | 10:00 pm
    The focus on the availability and affordability of terrorism (re)insurance coverage comes as the US House of Representatives and Senate are currently considering various changes to Terrorism Risk... Continue reading...
  • Government Pools Remain Integral Risk Management Tools

    GC Editor
    26 Aug 2014 | 10:00 pm
    Terrorism pools have been set up by governments in a number of countries to mitigate the withdrawal of (re)insurance capacity from the private market following significant terrorism events. The pools... Continue reading...
 
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    Free Insurance Magazines and Downloads from alltop.tradepub.com

  • Cloud Computing and Solvency II

    28 Aug 2014 | 12:00 am
    IBM survey shows how cloud is forming a part of insurers' Solvency II strategy.Request Free!
  • 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…
  • Retirement Advisor

    1 Jul 2014 | 12:20 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

  • Obamacare Death Panels

    2 Sep 2014 | 5:47 pm
    Original content copyright © InsureBlog
  • Arrested for Refusing Government Health Insurance

    2 Sep 2014 | 6:06 am
    Imagine this. Your child is sick and doesn't seem to be getting better. You learn of alternative treatment but it is not covered by your MANDATED government health insurance. What do you do?If you are Britt and Naghemeh King you take your child to a place where you believe their chances of getting well are better than the status quo.Even if you are breaking the law to do so, and taking your child to another country for care.The couple took their son, Ashya, out of Southampton General Hospital last week and traveled to Spain, where they planned to sell a property to pay at least $33,000 for…
  • Insuring Ferguson: Update/Correction

    29 Aug 2014 | 7:00 am
    Earlier this week, we posted on a couple interesting P&C-related items, one of which was the "civil unrest" in Ferguson, MO (there's a reason for the scare-quotes, we'll get to that directly). In that post, I reported - incorrectly - that riot-related claims would not be covered under standard commercial policies.Ted Kinney, Director of Education for the Alabama Independent Agents association, graciously emailed me with a correction:"Ferguson is probably more of a “civil commotion” than a riot.  Most standard policies do cover riot & civil commotion.  If  a covered…
  • Cavalcade of Risk #216: Call for submissions

    29 Aug 2014 | 5:30 am
    Tim Dodge makes his CavRisk hosting debut with next week's edition. Entries are due by Monday (the 1st).To submit your risk-related post, just click here to email it.You'll need to provide:■ Your post's url and title■ Your blog's url and name■ Your name and email■ A (brief) summary of the postPLEASE remember: ONLY posts that relate to risk (not personal finance tips and the like). And please only submit if you are willing to link back to the carnival if your submission is accepted.We need hosts for Fall Cav's - Please drop us a line to claim yours. It's easy, fun and a nice traffic…
  • Healthcare.gov Security Chief Was Distracted

    28 Aug 2014 | 6:45 pm
    It's no secret that the Obamacare website is not only dysfunctional, but also has major security flaws. There may be a good reason for the latter problems. The IT chief of security apparently had his, uh, hands full with other distractions.Timothy DeFoggi, who had been the lead IT specialist at the Department of Health and Human Services, was found guilty Tuesday for accessing and viewing child porn, and discussing his fantasies — which included the rape and murder of children — on message boards.[He] was found guilty of engaging in a child exploitation enterprise, conspiracy to…
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    Workers Comp Insider

  • Allstate - How Could You? Worcester?

    Tom Lynch
    27 Aug 2014 | 6:47 am
    A stake through the heart. That's what it felt like yesterday when Allstate published its 10th annual America's Best Drivers Report and awarded Worcester and Boston, two Massachusetts cities 38 miles apart, with the gold and silver medals, respectively, for most car crashes per capita in the nation. Upon learning of this dubious distinction, local television stations instantly knew that...
  • National Academy of Social Insurance Workers' Comp Report: Benefits, Coverage & Costs, 2012

    Julie Ferguson
    26 Aug 2014 | 8:29 am
    Workers' compensation benefits rose by 1.3 percent to $61.9 billion in 2012, while employer costs rose by 6.9 percent to $83.2 billion, according to a report released today by the National Academy of Social Insurance. The Academy notes that this reflects the continued economic recovery as employment and earnings rise, and that despite the uptick, program spending as a...
  • Health Wonk Review - August Recess Edition

    Julie Ferguson
    14 Aug 2014 | 11:18 am
    Are you feeling a little out of touch on your health policy wonkery over the summer? Wondering how things are progressing with ACA and other health policy issues? Catch up on your reading at Health Wonk Review: August Recess Edition. Brad Wright posts a substantive issue at Wright on Health - check it out!...
  • Research Roundup

    Julie Ferguson
    13 Aug 2014 | 5:55 am
    Summer reading! Here's a roundup of links to a variety of recent studies and reports that we find noteworthy - some that haven't received wide circulation. Mathematica: Risk Factors Associated with Disability Following Work-Related Injuries (PDF) Nan L. Maxwell and Nathan Wozny of Mathematica Policy Research have issued a study on work-related disability using a previously untapped database -- administrative...
  • Summer Reading: Risk Cavalcade & Other news of note

    Julie Ferguson
    7 Aug 2014 | 7:24 am
    Catching up on our summer reading post vacation, we have a number of pointers to noteworthy news. First we note that according to a recent RIMS survey, the total cost of risk for businesses rose 2% in 2013. To segue on that, we turn to Cavalcade of Risk - a few of our friends have hosted recent issues: See The...
 
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    Managed Care Matters

  • Aetna’s sale of Coventry – the deal is done

    Joe Paduda
    2 Sep 2014 | 4:07 am
    While it may not be closed, the deal is done. Multiple sources indicated APAX is scheduled to close the purchase of Coventry Workers’ Comp a month from now.  The long-rumored sale will close October 1 – if everything goes according to plan. Here are the details – at least as they’ve been relayed to me. The sale includes all of Coventry’s work comp services division – PPO, bill review, Pharmacy Benefit Management, DME, IME, UR, case management, peer review, and the rest. Aetna has “committed” to supporting the network for two years –…
  • Turn off the email and thank your server

    Joe Paduda
    29 Aug 2014 | 6:17 am
    Labor Day is about the laborers – those whose work keeps us fed, clothed, protected, entertained, moved, housed, healthy. It’s about taking a whole day to consider who they are, what they do, and how they are treated. That includes us – we (you and me) are pretty much white collar middle- and upper-middle class folks; well-educated, fortunately-born, and generally well off. Sure, we are “workers”, and as such we need the time off – away from work email and texts.  So put that “I’ll be back to you on Tuesday” message on the phone and…
  • Good news is bad news – Medical cost inflation’s continued decline

    Joe Paduda
    28 Aug 2014 | 6:05 am
    Perhaps the biggest news to hit this summer is the decline in medical inflation. Make no mistake, this is very, very important. Important – as in huge decreases in the federal deficit. Important – as in low-single-digit health premium increases. Important – as in placing huge pressure on health care systems, hospitals, and other providers – because low premiums for employers equals less income for providers. Here’s what the data shows. Today, CBO projects the 2019 Medicare spend will be $95 billion less than it projected four years ago.  That’s equivalent…
  • Work comp claim reporting – why no data?

    Joe Paduda
    26 Aug 2014 | 5:37 am
    There’s very little publicly-accessible data about who reports work comp claims, via what channel.  We just finished up a brief project for a client interested in comparing their data to national benchmarks, and we found precious little data on the topic. It may be out there, but it sure is hard to find… We know the sooner claims are reported the better; there’s some good research out there altho arguably the best – the Hartford study – is dated.  There is more info about the impact of delays in reporting on ultimate claim costs, which is certainly critical,…
  • Friday catch-up

    Joe Paduda
    22 Aug 2014 | 4:40 am
    The last couple weeks of the “real” summer are flashing by…things have been a little slow out there but a few items of note crossed my virtual desk this week. Workers’ comp From Insurance Thought Leadership comes a piece about M&A activity in P&C insurance claims.  While the article emphasizes the “supply chain” for auto, the author also believes work comp vendors are ripe for consolidation.  That’s a bit like calling the race after the horses have crossed the line, nonetheless author Stephen Applebaum’s views are worthy of…
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    Insurance Industry Blog

  • CA Workers Comp Earthquake Cat Bond Launched

    Claire
    2 Sep 2014 | 7:37 am
    Earthquake exposure is one of the biggest risks to workers compensation insurers, so it’s interesting to read that the California State Compensation Insurance Fund (SCIF) is once again looking to the capital markets to provide reinsurance protection for workers comp losses resulting from earthquakes. This is a repeat of the first catastrophe bond sponsored by the SCIF in 2011 – Golden State Re Ltd sized at $200 million — which is due to expire in January 2015. Artemis blog says: The unique transaction, which has not been repeated by anyone else until now, links earthquake severity…
  • Swiss Re: May Thunderstorms Most Costly Insured Nat Cat In H1 2014

    Claire
    27 Aug 2014 | 5:38 am
    Natural catastrophe events in the United States accounted for three of the five most costly insured catastrophe losses in the first half of 2014, according to just-released Swiss Re sigma estimates. In mid-May, a spate of severe storms and hail hit many parts of the U.S.  over a five-day period, generating insured losses of $2.6 billion. Harsh spring weather also triggered thunderstorms and tornadoes, some of which caused insured claims of $1.1 billion. The Polar Vortex in the U.S. in January also led to a long period of heavy snowfall and very cold temperatures in the east and southern…
  • Strong Earthquake Strikes Napa: Business Impact?

    Claire
    25 Aug 2014 | 5:43 am
    One day after a magnitude 6.0 earthquake struck the San Francisco/Napa area of California, the Northern California Seismic System (NCSS) says there is a 29 percent probability of a strong and possibly damaging aftershock in the next seven days and a small chance (5 to 10 percent probability) of an earthquake of equal or larger magnitude. The NCSS, operated by UC Berkeley and USGS, added that approximately 12 to 40 small aftershocks are expected in the same seven-day period and may be felt locally. As a rule of thumb, a magnitude 6.0 quake may have aftershocks up to 10 to 20 miles away, the…
  • Another Named Storm?

    Claire
    20 Aug 2014 | 5:47 am
    Forecasters’ Twitter feeds are alight this morning as to the potential development of two systems in the tropical Atlantic. Here’s the latest graphic of where they’re located, courtesy of the National Hurricane Center (NHC):                 The NHC gives the first disturbance currently located several hundred miles east of the southern Windward Islands a 50 percent chance of tropical cyclone formation in the next five days. The second disturbance, a tropical wave located 1,000 miles east of the Lesser Antilles, has a low (20 percent) chance of…
  • To Lie Or Not To Lie

    Claire
    15 Aug 2014 | 5:39 am
    Have you ever wondered how far people will go to stretch the truth in order to save a few bucks? Research out of the United Kingdom by global insurer Zurich sheds light on this behavior. In a poll of 2,000 adults in the UK, one-in-five (20 percent) admit to lying to their insurance company, despite a separate 82 percent knowing that wrong information registered on an insurance form can render the policy invalid. Why do people lie to their insurer? The reasons are varied: • 29.3 percent lie because they are unsure of the correct information or didn’t understand the process to begin with;…
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    Dental Insurance Trends

  • Covered California Adds Family Dental Plans. Will All Obamacare Exchanges Sell Dental in 2015?

    dentalinsurance.org
    26 Aug 2014 | 11:03 am
    By Jenifer Dorsey Families who buy 2015 health insurance coverage from the Covered California exchange will have access to dental plans officials announced this month.[1] These family dental plans will include coverage for adults as well as pediatric dental benefits. The Sacramento Business Journal reported Aug. 22, 2014, that the optional standalone family dental coverage, including HMO and PPO plans, will not be available when 2015 open enrollment begins Nov. 15, but they will be added in early 2015—at this time open enrollment is scheduled to end Feb. 15, 2015. At this time, not all…
  • 5 Top Reasons to Shop for, Buy Individual Dental Insurance Online

    dentalinsurance.org
    18 Aug 2014 | 2:39 pm
    By Jenifer Dorsey About 60 percent of Americans have dental insurance, and 99 percent of those dental insurance benefits are obtained through an employer or a group such as AARP, according to the National Association of Dental Plans.[1] So where do you buy individual and family dental insurance if you are among the nearly 127 million individuals without coverage? One option is online through websites such as dentalinsurance.org or ehealthinsurance.com. Shopping for and buying dental insurance online can be a fast, hassle-free way to get the dental benefits you and your family need. Here are…
  • Remember Dental Exams, Cleanings in Back-to-School Prep

    dentalinsurance.org
    13 Aug 2014 | 12:12 pm
    By Jenifer Dorsey  Late summer can be a busy time for families with children. Adding one more thing to the back-to-school checklist may seem unpleasant, but the preparatory mindset that comes with this time of year is why it might be the best time to schedule a routine dental exam and cleaning. Staying on top of preventive oral care helps keep teeth and gums healthy, so adults and children alike can avoid missed work and school days due to tooth pain and dental procedures. Tooth decay is the single most common childhood disease in the United States. It impacts kids in the U.S. more than any…
  • 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…
 
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    Go Health Insurance Blog

  • Curbing Health Care Costs Requires Active Participation From Patients

    GoHealth
    27 Aug 2014 | 7:09 am
    Michael Mahoney, SVP Consumer Marketing at GoHealth by Michael Mahoney, SVP Consumer Marketing at GoHealth Rising deductibles and narrow networks will incentivize consumers to take a more active role in deciding how their out of pocket health care dollars are spent – or not spent – during the course of treatment. Asking questions before, during, and after treatment and taking an active role in your health care are two ways to drive down unexpected medical expenses. Physicians may suggest health screenings, procedures, or prescriptions for a variety of reasons and it’s…
  • Health Insurance Redefined for Former NFL Players

    GoHealth
    25 Aug 2014 | 3:00 am
    The National Football League is a 100 percent injury business. Not a single player leaves the NFL uninjured.  Back problems, concussive issues, joint and grip troubles plague our former players. While the average career in the NFL is less than 4 years, injuries stemming from the NFL often have long-term debilitating effects. Depending on when they played, some NFL Retirees can obtain a few years of health coverage through the NFL immediately after leaving the game. If today’s players complete three seasons in the league, they can receive five years of health insurance when they retire. The…
  • Vote for GoHealth’s Clint Jones and Brandon Cruz!

    GoHealth
    18 Aug 2014 | 9:36 am
    GoHealth Co-founder and CEO, Clint Jones GoHealth Co-founder and President, Brandon Cruz Do you have two minutes to spare? Then GoHealth needs your help! GoHealth’s very own Co-founder and CEO, Clint Jones, and Co-founder and President, Brandon Cruz, are finalists for the Illinois Technology Association’s 2014 ITA CityLIGHTS CEO of the Year award! The awards will be held on Thursday, September 18 at Morgan Manufacturing in Chicago and are expected to attract more than 600 people from 400 organizations. This is where you come in: GoHealth, Jones, and Cruz need your help to ensure a win at…
  • Your Healthcare Roadmap to Eternal Marital Bliss

    GoHealth
    18 Aug 2014 | 9:28 am
    Planning for a wedding can be an overwhelming time flooded with difficult choices – traditional or destination, steak or fish, roses or tulips, and the tormenting debate of where to go for your honeymoon. As you plan for your big day, keep in mind the major life changes that are about to come your way – including your finances and health. A majority of couples named finances as their main source of marital stress, yet according to the Vitals Blog, only 51 percent of couples discussed their finances before getting married. With healthcare costs as a sizable portion of your expenses, it is…
  • Men’s Health: Staying Well after Age 50

    GoHealth
    12 Aug 2014 | 12:41 pm
    In the United States, the average life expectancy of a woman is about 81 years while men are expected to live on average until age 76. While there are many reasons why this may be the case, here’s one to consider – proactive disease prevention. Compared to women, men make only half as many preventive care visits to the doctor and are significantly more likely to suffer from things like heart disease, stroke and diabetes. Preventive visits are critical once you hit the age 50. Check out this list of five key tests that health experts recommend for men after age 50.   The…
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    JohnConner.com

  • Seven Corners Travel Insurance

    John
    27 Aug 2014 | 2:07 pm
    Seven Corners offers the industry’s most comprehensive trip cancellation insurance and international travelers insurance plans. Cruise/Tour Insurance  - Trip Cancellation / Interruption Insurance Best for travelers who are primarily concerned with insuring the non-refundable deposits of their trip. Learn More International Travel Insurance – Short Term Best for travelers while outside of their fixed and permanent residence for 12 months or less. This plan will pay for new illnesses new injuries based on the area where you are being treated. Learn More Student Insurance – In or…
  • Seven Corners Liaison Travel Medical Plans

    John
    27 Aug 2014 | 11:44 am
    If you are traveling outside of your home country, you need one of the Liaison Travel Medical plans from Seven Corners.  Did you know that your health insurance at home does not always follow you when you travel abroad?  No matter where you go, the Seven Corners Liaison policy is there with comprehensive medical coverage, an extensive network of providers, and 24 hour travel assistance.  Make sure you receive the same level of care abroad that you have at home, and let us take the worry out of your travel.  Your home country is the country where you have your true, fixed and permanent…
  • Hong Kong Travel Medical GeoBlue and Bupa

    John
    19 Aug 2014 | 10:09 am
    Hong Kong expats and travelers with GeoBlue travel medical coverage will have access to the largest global provider network being created through the partnership with Bupa.  The combined network will include over 11,500 hospitals around the world, allowing GeoBlue customers better access to healthcare when they need it.  wherever they are. GeoBlue International Medical Quote Along with our new partner, Bupa, we are working on several initiatives to bring enhanced services and products to the international group health insurance market in the U.S. Why GeoBlue is different 24/7/365 phone, web…
  • F1 Visa International Student Medical Insurance

    John
    5 Aug 2014 | 3:40 pm
    International F1 Visa Students studying in the U.S.  American Students studying abroad, or International students attending school anywhere worldwide.  If studying and living away from your home country, you will need a comprehensive International Medical Insurance plan to cover their medical costs while away. Be careful … most U.S. schools and universities will want you to enroll in their school sponsored health insurance programs.  Most of these plans and programs will require the student to go to the school medical clinic for most of their health care except for emergencies.  A…
  • 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…
 
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    Irish Life Blog

  • Market Review – 2014 Week32

    David Haslam
    11 Aug 2014 | 3:34 am
      “Obstacles are those frightening things that become visible when we take our eyes off our goals” – Henry Ford   Prices on average, as measured by the CPI (consumer price index), were 0.3% higher in July compared with July 2013. The most notable changes in the year were increases in Education (+4.5%), Alcoholic Beverages & Tobacco (+3.7%), Miscellaneous Goods & Services (+2.8%) and Restaurants & Hotels (+2.5%). There were decreases in Communications (-5.1%), Clothing & Footwear (-3.6%), Furnishings, Household Equipment & Routine Household Maintenance…
  • Market Review – 2014 Week31

    David Haslam
    5 Aug 2014 | 6:26 am
      “In the middle of difficulty lies opportunity” – Albert Einstein The Central Bank raised its forecast for Irish GDP (gross domestic product) in 2014 to 2.5%, up 0.5%. European bond yields (which move inversely in response to the market price of a bond) fell to historical lows with the yield on Germany’s 10-year Bunds falling 2.6 basis points to 1.12 on Tuesday morning. With the exception of hyperinflation period in the early 1920s this is Germany’s lowest borrowing rate since at least 1815. As European government bond yields reach record lows, large fund managers in Tokyo…
  • 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…
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    Insurance

  • Please check out: “If Your System Was Attacked By ‘Backoff’ Malware, Would Your Insurance Cover A Data Breach Involving Credit Card Numbers?”

    Scott Godes
    29 Aug 2014 | 7:57 pm
    I wrote a post that discusses the disclosure of so-called “Backoff” malware by the Department of Homeland Security. I also discuss and how insurance might apply to retailers and card processors facing a data privacy incident (or a data breach) with allegedly exposed credit cards, debit cards, and payment cards in general as a result of a Backoff malware attack.
  • Physicians Look to the Captive Solution Once Again!

    Mike Schroeder
    26 Aug 2014 | 12:02 pm
    Physicians Look to the Captive Solution Once Again! By: Michael A. Schroeder As published in Captive Review magazine: Long History Physicians have long been a leading innovator in the captive marketplace. In part out of necessity, many physicians turned to the captive market in the eighties and early 2000s for a viable alternative to the standard medical malpractice market. Price, control, coverage and, in some cases, availability encouraged physicians to form captives that flourished through aggressive practice and claim management strategies. Today, many of these captive trailblazing…
  • Battling Back to School Blues

    Fran Shaw
    21 Aug 2014 | 11:27 am
    School is just around the corner, and with that comes bedtime tantrums, early morning outbursts, and homework frustrations. Thankfully, once you get your little one up and at em’ you have a few hours to do as you please. In an effort to make your future mornings as relaxing as those afternoons, we’ve put together a few tricks you should start implementing now! Bedtime Routine By now your child has gotten used to long summer days and staying up past their bedtimes. You can’t blame them for throwing a fit when you try to send them off to bed two hours earlier the day before…
  • Boating Tips Every Sailor Should Know

    Fran Shaw
    21 Aug 2014 | 10:53 am
    With everyone running toward the beach to enjoy the last days of Summer, the crowds, noise and sweltering sun make it almost impossible to read a book in silence, let alone relax. Only boat owners can fully appreciate the quietness and calmness of the water as they sail away from life’s distractions. It’s important to take care of your boat and avoid any unforeseen mishaps that could cost you a fortune. The advice and tips below will ensure that you avoid traveling in ‘muddy water.’ Protecting Your Boat 
  • Employee Spotlight: Mike Stafferi

    Fran Shaw
    21 Aug 2014 | 10:51 am
    Miller’s Insurance Agency truly values not only their clients, but their employees. This month we’re highlighting Mike Staffieri, who is a hardworking Personal Insurance Consultant. His optimistic personality and knack for helping others are just a couple of the many valuable traits Mike possesses. 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. Can you tell me a little bit about your family? “My wife is Linda Staffieri who works…
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    Blog

  • On Labor Day, Leaders Rally Supporters for Challenges Ahead

    2 Sep 2014 | 12:30 pm
    On Labor Day, leaders from across the movement for the rights of working families spoke about both the history of the labor movement and the challenges we face in the current hostile environment created by extreme interests that place profits over people. From rallies across the country to online essays, the message was clear: Working families aren't taking the attacks on their rights lightly and they will not only fight back, they will win.
  • Burger King's Latest Whopper, Tax Inversion: Winners and Losers of the Week

    2 Sep 2014 | 11:00 am
    In our regular weekly feature, we'll be taking a look at the winners and losers of the week in the struggle for the rights of working families. The winners will be the persons or organizations that go above and beyond to expand or protect the rights of working families, while the losers will be whoever went above and beyond to limit or deny those rights.
  • Mexican Union Leader Napoleón Gómez Urrutia Wins Historic Legal Appeal

    2 Sep 2014 | 10:00 am
    The federal judiciary of Mexico extended protection late last week to the embattled leader of the National Union of Mine, Metal, Steel and Allied Workers (Los Mineros), Napoleón Gómez Urrutia. In what will go down as a historic victory for the Mexican labor movement, the three judges of the circuit court unanimously declared the arrest warrants against Gómez unconstitutional, siding with Gómez’s legal defense team that the charges were without merit and politically motivated. This ruling will allow Gómez to return to Mexico in absolute freedom, as the Mexican government must now…
  • Honor Labor Every Day, Not Just on Labor Day

    2 Sep 2014 | 9:00 am
    It’s been a long time since companies honored workers with more than just lip service once a year on Labor Day. Decades, actually. Since the late 1970s, wages of workers have not even kept pace with inflation. Meanwhile, CEO pay has soared. But because companies do not disclose a vital piece of information—the pay gap between their CEO and their typical worker—investors and the public cannot gauge which companies are investing in their workers and which are not.
  • The Grass Isn’t Greener

    2 Sep 2014 | 7:00 am
    News last month showed that the Eurozone countries had a bad second quarter of economic growth. For the three-month period that ended in June, the Eurozone economies grew at 0.0%. Germany, the largest economy in that group, shrank by 0.2%, and Italy, the third largest, fell back into recession. While initially there was much celebration that Germany’s work-sharing schemes prevented the massive job losses experienced in the United States, Germany’s tepid fiscal response, and weak accommodation by the European Central Bank to the global downturn of 2008, have meant Europe…
 
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    IFAwebnews.com | P/C insurance

  • U.S. risk council to discuss oversight of nonbank firms, including insurers

    IFAwebnews Staff
    1 Sep 2014 | 9:30 am
    The U.S. systemic risk council will meet on Sept. 4 to discuss naming nonbank financial firms for tougher regulatory oversight, the U.S. Treasury Department said on Thursday. The Financial Stability Oversight Council (FSOC) appears close to deciding whether it believes insurer Metlife Inc is “systemically” risky, or so big its hypothetical failure could destabilize global financial markets. The council has already given this designation to insurers Prudential Financial Inc and American International Group Inc, and General Electric Co’s financial services unit. The tag means…
  • AIG’s Benmosche sped his departure as CEO with year to live

    IFAwebnews Staff
    1 Sep 2014 | 9:18 am
    Robert Benmosche, who stepped down last weekend after five years as American International Group Inc.’s chief executive officer, said he learned in May that he had nine months to a year to live. Benmosche, 70, said in an interview that he moved up his exit, which had been slated for early 2015, as his health deteriorated. The CEO, who was diagnosed with cancer in 2010, said he wants to enjoy the time he has left after outliving earlier prognoses and repaying the insurer’s $182.3 billion U.S. bailout. Benmosche turned over the CEO post to Peter Hancock, who led the property-casualty unit…
  • State Insurance Regulators Discuss Ridesharing, Agent Licensing

    IFAwebnews Staff
    1 Sep 2014 | 9:11 am
    The National Association of Insurance Commissioners (NAIC) concluded its Summer National Meeting last week, with ridesharing receiving significant attention during the meeting. The rapid growth of ridesharing companies or transportation network companies such as Lyft, UberX and Sidecar has caused many states and municipalities to examine these new marketplace players and consider how they should be regulated. Insurance regulators, like many within the private sector, are concerned about the insurance coverage implications and potential gaps in coverage related to ridesharing. The NAIC formed…
  • Employers seek regular communication and value-added services from brokers

    IFAwebnews Staff
    29 Aug 2014 | 7:57 am
    There is a disconnect between what brokers are providing clients and what clients are looking for from their broker, according to the Zywave 2014 Broker Services Survey. As new challenges arise for businesses, their key leaders are looking towards their broker to be a trusted adviser to their business. From benefit statements to legislative updates to employee communications, employers are still demanding these “extra” services from their insurance broker more and more each year. “Over the years, we’ve noticed this trend, the trend that employers are looking for their…
  • Texas man pleads guilty to destroying $1 million Bugatti car for insurance money

    IFAwebnews Staff
    29 Aug 2014 | 7:30 am
    A Texas car dealer has pleaded guilty to federal wire fraud charges for deliberately wrecking his rare, $1 million Bugatti automobile in order to collect more than $2 million in insurance money. Andy Lee House, 39, faces up to 20 years in federal prison for destroying his Bugatti Veyron, an Italian supercar capable of reaching 250 mph and powered by a W16 cylinder engine, the equivalent two narrow-angle V8 engines. House purchased a 2006 Bugatti Veyron for $1 million and had it insured for $2.2 million. On Nov. 11, 2009, House drove the vehicle into the Gulf Bay near La Marque, Texas, and…
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    Insure Life Surpasses Your Expectations

  • Life Insurance Planning: Products, People, and Processes

    10 Aug 2014 | 7:00 am
    Life insurance planning is more than simply choosing a competitively priced product. A successful life insurance plan involves the combination of products, people, and processes.  The necessary coordination of these components increases in importance as plans become more complex and additional stakeholders are involved, such as for estate planning, nonqualified benefit planning, or other advanced applications of permanent life insurance within financial plans. Products When choosing life insurance products, many agents and consumers focus solely on price.  Unfortunately,…
  • 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…
 
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    Insurance Forum

  • SIMA Leads

    agentjhc
    2 Sep 2014 | 8:26 pm
    Anyone using SIMA leads? Any feedback?
  • AgentCubed Vs Norvax Head to Head

    starproducer
    2 Sep 2014 | 7:36 pm
    Agent Cubed has many features similar to Norvax. It looks like it has many more features than Norvax. Hard to say which is better. have to get more info on pricing though. any thoughts?
  • Have We Forgotten?

    WinoBlues
    2 Sep 2014 | 6:17 pm
  • Tax Money to Withold

    winchester49
    2 Sep 2014 | 6:05 pm
    To all agents who buys Direct Mail Leads on a weekly basis and write anywhere from 2-5k a week, what percentage of your income should be held back to pay your federal, state and city(if yours has a tax.) I know you can write off your leads, mileage, office space, phones and incidental expenses but if you can give what your net tax percentage is, it would be very helpful. Thank you
  • New Website Need to Drive Traffic

    gipper1234
    2 Sep 2014 | 5:50 pm
    Hello friends- I have a small budget for marketing and looking for the most effect way to drive traffic to my website for life insurance and retirement plans. your input will be well appreciated. Thank you all in advance:)
 
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    bestcarinsurancecompanies.net

  • Most Expensive States For Auto Insurance in 2014

    11 Aug 2014 | 6:39 am
    Auto insurance is something we all need, but some people pay three times as much as others. Based on the state you are in, your auto insurance premiums could be significantly higher. Why do some states have higher car insurance rates from others? Here are some things you need to know about auto insurance, and which states in 2014 have the most expensive auto insurance policies. 1. Michigan The state with the most expensive auto insurance policy in 2014 is Michigan. The annual premium in Michigan is $2,551. Michigan has had among the highest auto insurance rates in the country for years. Why…
  • What Insurance is Available When a Child is Left in a Car?

    8 Aug 2014 | 3:56 pm
    Dozens of children die or are seriously injured each year as a result of being left in a hot car. Nationwide campaigns are focused on “where’s my baby” to encourage parents and others to always look inside their car before locking and leaving the car. While this tragedy occurs too often, does auto insurance cover this tragic event? Read on to find out. Know Your Coverage The rules pertaining to car insurance policies can be vague for many motorists. Do you know what your auto insurance policy covers? Having a child can alter your car insurance policy. While most people know about teen…
  • Will You Need Motorized Wheelchair Insurance?

    5 Aug 2014 | 6:35 pm
    There’s a hot debate is underway in Michigan, the outcome of which stands to effect the insurance industry around the nation. The debate is centered around a claim that a paralyzed man who was hit by an SUV while crossing the street in his electric motor scooter should be denied damages, because he did not have an insurance policy similar that required for motor vehicles. Here is a closer look at the debate. Insurance Is Not Required Not only is motor scooter or motorized wheelchair insurance not required in any state, but neither is a driver’s license—as with motor vehicles. On…
  • 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…
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    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • Keep Your San Diego Home Safe While on Vacation

    Wayne Mccormick
    27 Aug 2014 | 9:10 am
    Home Safety As you head out this summer for that Griswold family vacation, take a few moments to protect your home so it will be there upon your return. While homeowner’s insurance covers many types of losses, the following facts and safety tips might just help prevent a loss from happening.   Home Burglary facts (Source FBI, Harris Interactive Polls) 23% of burglars get in through the back door. Homes with security systems have a 30% less chance of being targets. A majority of convicted burglars say they avoid homes with alarm systems. 20% of homeowners say they leave their doors…
  • Five Mistakes People Make When Buying San Diego Homeowner’s Insurance

    Wayne Mccormick
    13 Aug 2014 | 9:05 am
    Buying San Diego Homeowner’s Insurance With all the options you have these days, buying the right kind of San Diego homeowner’s insurance can be confusing. Some advertisements want us to believe that purchasing homeowner’s insurance should only take 7 minutes! Making purchases too quickly can cause mistakes.  Taking time to consider your options can save you money and future headaches. We found at least five mistakes people sometimes make when purchasing San Diego homeowners insurance. Not having the right value for your personal property Most people under value their personal…
  • Does Your San Diego Homeowners Insurance Cover This?

    Wayne Mccormick
    6 Aug 2014 | 9:00 am
    Homeowners Insurance Homeowners insurance plays an important role in society. It protects your most important financial asset, your San Diego home. When most people think of damage to their home, they tend to think of fire or theft. Well, there are many other kinds of accidents that can cause damage to your San Diego home that are covered under most homeowner’s insurance policies. Remember each homeowner’s insurance policy is different, and if you bought your San Diego homeowners insurance on line you may not have proper coverage.  Claims will be paid based on your individual…
  • 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…
 
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    Property Casualty Insurance Blog

  • “Eggs, Milk, Bread…And While You’re at It, Pick Up Some PII”

    Shawn Dougherty
    1 Sep 2014 | 3:23 am
    How many of you or your spouses have a supermarket check-cashing card? And how many of you now take advantage of ordering your groceries online and paying with your credit card? Living in the New York metropolitan area and striving to get the best possible prices on groceries for our family (which includes a bottomless-pit teenage boy who makes it his daily challenge to eat us out of house and home), my wife and I have check-cashing cards and order groceries online from no less than three different supermarkets. Recently, another supermarket chain, SuperValu, reported that its computer…
  • First-Half 2014 U.S. Catastrophe Overview

    Joe Louwagie
    29 Aug 2014 | 10:49 am
    First-half catastrophe losses reached their lowest level since 2010 in the first half of 2014. Property Claim Services (PCS), a division of Verisk Analytics, revealed that U.S. catastrophe losses fell just shy of $10 billion, with $6.5 billion coming in the second quarter, according to preliminary survey and resurvey activity completed on June 30. Some of the events were subject to resurveys at the time PCS published its report, Continued Calm: PCS Q2 2014 Catastrophe Review, which means the estimates for the periods are subject to change. In fact, by the end of June, two recent events…
  • The Effect of Saving Seconds at FNOL

    Louis Riggio
    28 Aug 2014 | 1:14 pm
    Last year, ISO ClaimSearch members submitted 69,000,000 claims ― more than 264,000 claims a day. If you could use data from ISO ClaimSearch and other sources to cut first notice of loss (FNOL) processing by a mere 30 seconds, the U.S. property/casualty industry would save more than 36 work hours every day. That translates to 1,197 full-time employee production days per year. And that’s just the immediate savings. Pairing faster FNOL handling with optimized routing New claims tools could cut claim lifecycles further, as the adjusters with the right skill sets would receive appropriate…
  • ISO ClaimSearch – A New Vision

    Carlos Martins
    28 Aug 2014 | 8:01 am
    We’re excited to announce a major initiative to transform ISO ClaimSearch. Today we’re looking to the future with a new vision to improve the system’s functionality, interface, graphics, and more. The new ISO ClaimSearch will include integrated services that will completely revolutionize the user experience. The enhanced system will deliver vital data intelligence to help managers analyze operations and allow staff to make better decisions through the entire life of a claim. Single Sign-On One of the first initiatives will allow users to access the ISO ClaimSearch portal through a…
  • ISO Portal Opens Up New Level of Detail to E&S, Reinsurance Markets

    Joe Palmer
    27 Aug 2014 | 9:16 am
    It’s not surprising that excess and surplus (E&S) underwriters have traditionally been forced to rely on experience and judgment to price insurance policies. After all, the non-admitted market is about as varied as you will find anywhere in the insurance world. But fortunately, there are tools today that can handle the challenge and help underwriters make difficult pricing decisions. One of those tools is the ISO portal, which opens up a new level of granularity to E&S and reinsurance pricing. I recently recorded a short demo of the portal that shows how you can use it to analyze…
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    World Risk and Insurance News

  • Momentum continues to build for Insurance M&A, according to Deloitte.

    1 Sep 2014 | 10:00 pm
    The number of mergers and acquisitions in the insurance industry fell in 2013 compared to 2012. Here, WRIN.tv speaks with Boris Lukan. Principal in Deloitte’s U.S. Property & Casualty Insurance Consulting practice, about deal activity and the future of M&A in insurance  Read more...
  • Monday Morning Headlines: September 2, 2014.

    31 Aug 2014 | 10:00 pm
    Monday Morning Headlines: Top writers of California earthquake risk; US P&C industry posts best Q2 statutory underwriting results in several years; Fitch sees consolidation among reinsurers;  Citizens Property Ins. Co. targets 'stunning' rate decreases for 2015; Berkshire Hathaway boosted E&S premiums 65% YOY in Q2.   Read more...
  • WRIN.tv Week in Review: August 25-29, 2014.

    28 Aug 2014 | 10:00 pm
     Q2'14 P&C underwriting results; NAIC adopts new monitoring framework for life insurers' captive transactions;  Earthquake coverage; Ironshore; ACORD Tech Talk: The Internet of Things.  Mid-season Hurricane Report; Insurers are expected to increase investments in BA securities; and more.   Read more...
  • Without a meaningful increase in interest rates, insurers are expected to increase investments in BA securities.

    26 Aug 2014 | 10:00 pm
    In a recent report on investment allocations, A.M. Best looked at increased investment by U.S. insurers in non-traditional asset classes. In this edition of First Monday, analysts say low interest rates make schedule BA securities more attractive, even though they can be more volatile.    Read more...
  • ACORD Tech Talk: The Internet of Things – Part 1.

    25 Aug 2014 | 10:00 pm
    In this edition of ACORD Tech Talk, Pete Teresi, VP of Standards and Technology from Acord, discusses “The Internet of Things  Read more...
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    InsureDirect.com » Straight Talk On Insurance

  • How to Get Accurate NJ Car Insurance Quotes

    admin
    20 Aug 2014 | 9:43 am
    A few years ago, if you wanted to get NJ car insurance quotes, you’d have to wait for a few days. But technology has changed all that. Now, insurance companies can give you a quote in a matter of minutes. Meaning, you have more time to compare policies and get the best deal in a short span of time. When shopping for competitively priced auto insurance, the key is getting accurate NJ car insurance quotes. Follow our tips and get more accurate quotes. Getting Accurate NJ Car Insurance Quotes Review your driving record A recent moving violation or a speeding ticket can make a big difference on…
  • The Hazards of Choosing NJ Cheapest Car Insurance

    admin
    19 Aug 2014 | 9:58 am
    When it comes to car insurance, NJ cheapest car insurance isn’t always the best the option. If you are looking to cut costs on your auto insurance, one important thing you have to keep in mind is to proceed with caution. When shopping for car insurance, you should never base your decision on the price alone. Rather, choose the one that comes with a good price and great service. You may have gotten the NJ cheapest car insurance, but you may end up spending more down the road. Listed below are some of the hazards of NJ cheapest car insurance. Read on and we’ll tell you more about it. Should…
  • Things You Can Do To Lower Your Pennsylvania Car Insurance Rates

    admin
    17 Aug 2014 | 11:46 am
    While most of us cringe at the idea of buying something we hope we’ll never use in the future, buying a car insurance is inevitable. It may be difficult to save money on auto insurance, but there are a lot of things you can do to lower your Pennsylvania car insurance rates. Pennsylvania Car Insurance rates are not likely to lessen anytime soon, but you can do something to reduce the sting. Check out the tips below and see how you can: Save on Your Pennsylvania Car Insurance Combine policies with one carrier If you have inquired about insuring all your vehicles on a single policy, you might…
  • Tips to Save on NJ Auto Insurance

    admin
    16 Aug 2014 | 2:39 pm
    Most state requires car owners to have some amount of NJ auto insurance. But if you are trying to cut down your expenses, it does not necessarily mean that you have to dismiss the idea of getting a car insurance at a good price. We’ll show you how to shop wisely to get the best coverage for the cheapest rate. In this article, we’ll give a few tips on how to save money on NJ auto insurance that will help keep you safe and your finances protected. Saving Money on New Jersey Auto Insurance Get multiple quotes Prices vary from one insurance company to another. So, before you decide on an…
  • How to Handle Your Affordable Ohio Auto Insurance Claims

    admin
    15 Aug 2014 | 2:47 pm
    If you have been involved in a car crash, you’ll be asked to file a claim with your affordable Ohio auto insurance company. It is important to follow a series of steps in order to ensure that your interests and legal rights are fully protected. This article will explain what you should do in the wake of an automotive collision or mishap. The following information will guide you through the claims settlement process. Handling Your Affordable Ohio Auto Insurance Claims Immediately after the accident In the unfortunate event that you are involved in an auto accident, the first thing you have…
 
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    Life Insurance Insights

  • Social Security Planning Tips

    Mike
    28 Aug 2014 | 10:00 am
    The Bridge When you are about to retire there are several choices that face you.  If you are about to retire at age 62 you may not want to take Social Security retirement benefits at that time due to the early retirement reduction in benefits. You might also not want to leave the workforce until the full retirement age (FRA) of age 66, but then delay the beginning of Social Security benefits until age 70 to maximize the delayed retirement credits.  In either case you will need to provide bridge income as you await for the Social Security benefit to kick in.  Some might suggest using an…
  • Reflections

    Mike
    26 Aug 2014 | 10:00 am
    Time flies when you’re having fun, they say.  What I barrel of fun I’ve had!  Rounding the corner last May, I’m on my way to 80 big ones above the grass.  Strange as it seems, I don’t feel that old…but how should I know how that feels, never having been there before? Sure, there have been some changes.  Since I stopped showing up in coat and tie at the office every day at 8:00AM, I’ve had much more time to go to the movies…and my wife and I do love the movies.  We’ve also spent more of our travel time on cruises…enjoying long times at sea between ports for reading,…
  • More Life Insurance Uses for Foreign Internationals

    Mike
    21 Aug 2014 | 10:00 am
    In my last entry I discussed special estate tax needs of Foreign Nationals and how life insurance can be an effective answer.  Aside from estate tax liability, there are also some other uses of life insurance issued by U.S. insurers that are attractive to foreign nationals. International investors often look for safe, secure U.S. based assets in which to deposit funds.  American life insurance policies may be an effective choice.  The low pricing, stability and long term guarantees offered by U.S. carriers are typically not available off shore.  If the investors primary goal is the…
  • Special Estate Needs of Foreign Nationals

    Mike
    19 Aug 2014 | 10:00 am
    Non-resident aliens who own U.S. real estate. Non-resident aliens who directly own certain U. S. assets are exposed to U.S. estate tax liability and only $60,000 may be exempt from this tax, not the $5,000,000+ exemption normally allowed for U.S. citizens.  Here’s an example: Pedro Sanchez is not a U.S. citizen and is a resident of the Dominican Republic.  On his last trip to Miami he purchased a $4,000,000 condominium in South Beach which he visits three times a year.  By buying this property and owning it outright, Pedro created a U.S. taxable estate and as a Non-Resident Alien he is…
  • The Flexibility of Universal Life

    Mike
    14 Aug 2014 | 5:17 pm
    My previous entry dealt with how Universal Life (UL) could be structured to resemble a 20 year term policy.  This is just one of the flexibility features of Universal Life.  There might also be some flexibility in amount of death benefit, but here I’ll deal just with premium flexibility and access to cash value in Universal Life policies. Universal Life policies have no stated premium.  There may be a premium that you pay on a regular basis, but that is the planned premium, not the stated premium.  If you skip a planned premium, it does not mean that the policy will lapse.  The cost of…
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    SelectNews Blog

  • Payment Due On

    SelectQuote
    28 Aug 2014 | 10:00 am
    If you’re afraid to open your mail or inbox for fear of the bills inside, you’re not alone. The cost of living is going up, and that means more, pricier bills. As your costs climb, you might be tempted to cancel or reduce coverage on your insurance products for a little extra cash each month. Although this tactic could give you a bit of immediate relief, it’s a poor financial decision. Not only are your insurance expenses some of your lowest when compared with your other bills, but cutting down on insurance now could mean big bills in the near future. How Do My Insurance Costs Stack Up?
  • Simple Tips To Add Years

    SelectQuote
    21 Aug 2014 | 10:00 am
    No, the secret to a long and happy life isn’t the latest prescription drug on the market or your great-aunt Ruth’s chicken soup. Surprisingly enough, the secret to a long life isn’t a secret at all. If you take care of your physical and mental health throughout your years, you’re likely to have more of them. But caring for your health is a lot easier said than done. Living a healthy lifestyle takes willpower and time that many people just don’t have. Fortunately, there’s a simpler way. A few small daily lifestyle changes can go a long way to helping you have a healthier life today…
  • The Truth About Insurance Bundling

    SelectQuote
    14 Aug 2014 | 10:00 am
    Insurance bundling isn’t just cramming all of your insurance paperwork into one big manila envelope – it really refers to buying more than one insurance policy from the same provider. Insurance companies claim that bundling can save you hundreds of dollars and hours of time. After all, most people need multiple types of insurance, and buying it all in one place certainly seems like less of a headache. In general, bundling can give you access to exclusive discounts and save you time, but it’s not always the least expensive choice. Types of Insurance You Need From pet insurance to…
  • Beneficiaries

    SelectQuote
    7 Aug 2014 | 10:00 am
    Let’s face it – most people don’t like to spend more time than necessary thinking about life insurance, so when you filled out your application, you probably listed your spouse or closest relative as beneficiary, signed the forms, and hurried to the office or beach. But while your spouse or closest relatives are logical choices for beneficiaries, they might not be the only people affected if something happens to you. By choosing, adding, and changing beneficiaries based on your life circumstances, you’ll have peace of mind knowing that your wishes will be fulfilled after you pass.
  • 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…
 
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    Shift Insurance Blog

  • 8 Questions to Ask Before You Buy a Car Insurance Policy

    2 Sep 2014 | 12:24 pm
    If you want the perfect car insurance policy, you've got to take an active role in the buying process.  Specifically, you've got to channel your inner-detective and ask your insurance agent these 8 questions: 1.  "How much coverage do I need?" Here in California, state law requires you to have at least $5,000 worth of property damage liability insurance, $15,000 worth of bodily injury liability insurance to cover the injury or death of one person in a crash, and $30,000 worth of bodily injury liability insurance to cover the injury or death of more than one person in a crash. …
  • Everything You Need to Know About California's Good Driver Discount

    20 Aug 2014 | 10:00 am
    If you think you're paying a lot for car insurance here in California, you're not mistaken.  Unfortunately, a recent study shows that California's auto insurance rates are some of the highest in the country.  On average, they're actually over 50% higher than the rates in neighboring states Oregon and Nevada! Fortunately, though, it IS possible to give your wallet some relief.  All you need to do is tap into the power of California's Good Driver Discount! No matter which car insurance company you get a policy from, you can take advantage of this discount.  That's because…
  • Uh Oh! You Were At Fault in a Crash… Now What?!

    11 Aug 2014 | 12:11 pm
    No matter how careful you try to be out on the road, everyone makes mistakes.  So, how do you navigate the insurance claim process after you've caused an accident? First, your insurance company will have to determine if you're truly at fault.  California is a "comparative fault" state, which is really just a fancy way of saying that car accidents aren't all or nothing.  If the other driver did something that contributed to the crash -- like, for example, he didn't have his lights on at night, and you hit him when you ran a red light -- your insurance company may decide that…
  • 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…
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    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • Accidental Damage Insurance FAQ

    qldb_admin
    2 Sep 2014 | 8:47 am
    Accidental Damage Insurance does exactly what it says on the tin; it provides cover for household possessions that are damaged ‘unexpectedly’ and ‘non-deliberately’.  It’s typically sold as an extension to standard Home Insurance and provides an affordable way to make sure your prized possessions are completely covered. Mechanical Failure Gadgets and electronic gizmos are great; until they stop working. If an accident is involved you can make a claim, but if your Tech simply gives up the ghost; you won’t be covered. Wear & Tear Unfortunately it’s something that happens to…
  • Can Electric Vans Deliver the Goods?

    qldb_admin
    27 Aug 2014 | 3:01 am
    The arguments for and against electric vehicles are well-rehearsed, but thanks to advances in technology and generous government grants; perhaps now it’s time for ‘white van man’ to go green. Reducing your carbon footprint is good for your business profile and great for the environment, but how would switching to an electric van affect your bottom line? Would any green-goodwill and fuel savings be swallowed-up by hours spent at charging points and limited range? Looking after the planet is a moral responsibility, but it can also pay dividends for your business. Electric vans can help…
  • Why Contents Insurance is Essential for Low Income Homes

    qldb_admin
    21 Aug 2014 | 9:23 am
    As the economy begins to recover slowly families across the country are still facing tough economic times. Tightening the household purse strings means getting the most out of your finances and that means looking after your assets. The government has recognised how important it is for homeowners and tenants living on low incomes to have access to Contents Insurance and recently held an All Party Parliamentary Group to discuss ways of helping the most financially vulnerable. An estimated one in five households don’t have any Contents Insurance, and it won’t surprise you to learn that a…
  • Guide to getting the right travel insurance

    qldb_admin
    15 Aug 2014 | 3:19 am
    If you’re jetting-off to the Mediterranean for some summer sun it’s important to know that you’re completely covered. Admittedly travel insurance documentation doesn’t make for great holiday reading and the ‘small print’ might as well be written in ancient Greek. So to help you find the right cover we’ve written plain English guide to Travel Insurance: Medical & Repatriation Medical cover is the backbone of all travel insurance policies and pays for treatment if you fall-ill or are injured abroad. It’s essential cover for all destinations including Europe. In fact, a…
  • Buy to Let Insurance Blunders

    qldb_admin
    8 Aug 2014 | 4:09 am
    As a landlord it is important to protect your investment and that means making sure that your buy-to-let property is completely covered. However, insurance can be a complicated business and even seasoned property investors make expensive mistakes. Avoid the following property insurance pitfalls for complete peace of mind: Get the right product Buy to let insurance is a specialist product and needs a specialist provider. Not only will you get access to the best deals, and expert help finding the right policy, but you’ll get great customer service when it comes to making a claim. It goes…
 
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    Insurance for Realtors and Real Estate Brokers

  • Real Estate Firm Settles Trademark Lawsuit

    jschildt
    7 Aug 2014 | 7:14 am
    In March of 2013, a lawsuit was filed against Ohio-based real estate firm Dotloop for using the word “loop” in its name.  This lawsuit has recently been settled and the terms are confidential.  Dotloop began its company in 2008 under the name “MLS Contracts”, but later decided to change its name to “Dotloop” in 2009 and filed a trademark for the name in 2011. This action got the attention of California-based real estate firm LoopNet which filed the lawsuit in 2013 after disputing the trademark attempt with the Patent and Trademark Office.  The lawsuit alleged that Dotloop…
  • New York Realtors Investigated by FAA

    tfirestine
    2 Jul 2014 | 8:06 am
    Recent reports cite several New York real estate brokerages such as Brown Harris Stevens and Halstead Property receiving subpoenas from the FAA (Federal Aviation Administration) over the use of drone photography for real estate listings. The inquiry shows the risks of being the first adopters of new technology. Even though the firms subcontracted the photography work out they are still facing significant legal bills. Any use of drones should be discussed with a lawyer familiar with local, state and federal statutes. Many laws are still evolving and the guidance available is patchy at best.
  • Broker Sued for Selling her own House

    jschildt
    11 Jun 2014 | 6:27 am
    A Gretna, Louisiana Realtor is being sued after pulling out of a sales contract for her own property.  Kimberly Wright Burbank offered her property for sale and entered into an agreement to sell to an interested party.  She later pulled out of this first contract and entered a second contract that was more lucrative.  The lawsuit is based around the understanding of whether the contract was in force or if was still an “offer” when Ms. Burbank pulled out. The plaintiff, Jason Shackelford, alleged that the contract was executed and they were negotiating a few minor points.
  • Trademark Infringement, Walk-Through Theft

    jschildt
    14 Oct 2013 | 4:53 am
    Online Back Officer Provider Dotloop Sued for Trademark Infringement Cincinnati based Dotloop, an online real estate transaction software provider, has been used for trademark infringement by San Francisco based LoopNet. LoopNet provides an online marketplace for commercial real estate. Dotloop says that trademarks and names incorporating the term “Loop” are not the exclusive of LoopNet. This suit follows one by the California Association of Realtors over the use of their proprietary forms in Dotloop’s software suite. Over 50 Realtor associations have licensed their forms to be used…
  • Cyber Liability Becoming More Common

    tfirestine
    3 Sep 2013 | 4:57 am
    Although not a new issue for real estate professionals, computer related losses are starting hit main street with increasing storage of customer data. Lawmakers have taken note and the requirements (i.e. costs) of properly responding to a breach of privacy have greatly escalated in the past several years. With increased expensess and burdens placed on business, insurance companies have responded by offering cyber insurance. The coverage is new, not standardized and the terms are evolving quickly. Historically there was some coverage under standard insurance policies. Damage to your computer…
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    The Esurance Blog

  • Insure Yourself Against These 5 Lazy, Hazy, Crazy Summer Mishaps

    Mollie Clark
    29 Aug 2014 | 11:45 am
    With Labor Day weekend approaching, many of us are enjoying our last summer hurrahs. Check out how to avoid these 5 end-of-summer mishaps. The post Insure Yourself Against These 5 Lazy, Hazy, Crazy Summer Mishaps appeared first on The Esurance Blog.
  • Thunderstorm Survival 101: 6 Things You Must Know

    Anne Le Tran
    27 Aug 2014 | 5:00 am
    The latest bout of summer storms are pelting much of the U.S. Before the next thunderstorm strikes, learn how to weather it with this survival guide. The post Thunderstorm Survival 101: 6 Things You Must Know appeared first on The Esurance Blog.
  • US Open Dictionary: A Complete Guide to Tennis Terms

    Alex Glenn
    25 Aug 2014 | 5:00 am
    Don’t let confusing tennis terms derail your US Open enjoyment. Learn the lingo like a pro. The post US Open Dictionary: A Complete Guide to Tennis Terms appeared first on The Esurance Blog.
  • Tennis in Times Square to #RallyForACause

    Jennifer Wood
    21 Aug 2014 | 1:07 pm
    Tennis, Times Square, and Tweets! Tweet #RallyForACause to help us raise money for innovative cancer research through The V Foundation. The post Tennis in Times Square to #RallyForACause appeared first on The Esurance Blog.
  • Esurance Commercial: Shirlee (Video)

    Heidi Wallis
    19 Aug 2014 | 5:00 am
    The new Esurance commercial introduces Shirlee, who’s crushin’ it. Literally. The post Esurance Commercial: Shirlee (Video) appeared first on The Esurance Blog.
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    Healthedeals.com Blog on Health Insurance

  • Update: Individual Health Insurance Landscape in California

    28 Aug 2014 | 5:45 am
    When Obamacare’s open-enrollment period began Oct. 1, 2013, California launched Covered California, its state-based health insurance exchange. The Golden State also expanded its Medicaid program in 2014.California’s Obamacare exchange recently gained national recognition when officials announced the expansion of its dental insurance options. Those who enroll in 2015 health insurance coverage through the Covered California exchange may also buy family dental insurance plans that offer dental coverage for adults. Furthermore, all individual health insurance plans offered by Covered…
  • 5 Top Healthcare and Medical Blogs

    28 Aug 2014 | 5:40 am
    To say there is a lot of information about health care and medicine on the Internet would be to state the obvious, which would be to use cliché. But it’s true. What is worth reading beyond the headlines depends on what you are looking to gain. Do you want cut-and-dry medical news, a closer examination of Obamacare topics, unique stories that will leave you feeling entertained and a bit wiser? While this list just scratches the surface and sticks to the mainstream, for the most part, here is a look at five health care and medical blogs worth checking out. Each summary offers a…
  • Can I Buy Health Insurance From the SHOP Exchange if I am Self-Employed?

    20 Aug 2014 | 7:55 am
    Obamacare’s state-based and federally facilitated health insurance exchanges serve more than individuals and families. They also serve small businesses and the self-employed. Employers with 50 or fewer employees may offer their employees exchange-based group health insurance coverage through SHOP marketplace or their state-based small business health insurance marketplace. SHOP, which stands for Small Business Health Options Program, serves small businesses in states that opted into the federally facilitated health insurance exchange, healthcare.gov. Small businesses in states that run…
  • States Whose Uninsured Populations Dropped Most in 2014 Have Something in Common

    18 Aug 2014 | 12:55 pm
    It would seem a state-based health insurance exchange and Medicaid expansion were the secret to Obamacare enrollment success in many states. Gallup poll findings released Aug. 5, 2014, showed the 10 states reporting the largest reduction in uninsured rates opted to both run their own health insurance exchange and expand Medicaid in 2014. The top 10 and their change in uninsured (percentage points) were as follows1: 1.    Arkansas           -10.1 2.   …
  • It’s Time to Get Vaccinated—August is National Immunization Awareness Month

    14 Aug 2014 | 10:10 am
    August is National Immunization Awareness Month. As a new school year nears—or gets underway, depending on where you live—it’s a good time to take your kids to the doctor for a well-child visit and to receive their recommended childhood immunizations. Likewise, the CDC reminds us that college students need to stay on top of their immunizations before moving into the dorms1; colleges and universities require vaccination records before students begin their studies. And while this national health observation may coincide with back to school preparations, it’s good to…
 
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    The Murray Group

  • NY Business Insurance is Just One Part of Risk Management

    Ryan Murray
    27 Aug 2014 | 6:03 am
    Many NY small business owners think that NY business insurance is the only way to manage their risks to loss. This is a misconception that independent insurance agents need to do a better job of correcting. The truth is that NY business insurance is just one of four risk management techniques, and there are other techniques that must be considered. Whether you are a contractor or retailer, NY business insurance is just one part of a risk management program. Wikipedia defines risk management as, “ the identification, assessment, and prioritization of risksfollowed by coordinated and…
  • Small Business Risk Management Is Good, But Is It Necessary?

    Ryan Murray
    20 Aug 2014 | 6:23 am
    Yes. Small business risk management is critical to establishing a business that will endure. I can’t emphasize this enough. Ask any small business or middle market business owner if he or she can afford to go out of business and lose income for any stretch of time. I’m sure that the overwhelming responses will be “no”. Small business owners have spent years trying to establish their businesses. Many have invested their own money. And all rely on the success of that business to pay the bills at home. This is quite different from a Fortune 500 company. Take Macy’s,…
  • Does Your Financial Advisor Talk to You About Home Insurance?

    Ryan Murray
    14 Aug 2014 | 10:18 am
    If your financial advisor does not talk to you about NY home insurance, he or she should be. You have probably saved your hard-earned money over several years and have invested that money into mutual funds, stocks and other money markets that your financial advisor has recommended, and you’ve watched the investments go up in recent years as the market has changed.  Maybe you have chosen to invest in two-family homes instead and have seen home values rise. Did you ever stop to think about how you can protect those assets? Did your financial advisor or your current insurance agent…
  • 7 Reasons Your Albany Home Insurance Premium Is Higher Than It Should Be

    Ryan Murray
    7 Aug 2014 | 8:25 am
    You pay your Albany home insurance premium every month, or your bank pays the premium annually out of your escrow account. Many people question if they have competitive home insurance premiums every time they write those checks. Before you call another company like Geico or ask your independent agent to shop the policy, you should review your own policy first for savings opportunities. I’m an insurance agent. I understand the importance of home insurance. I have had several clients who have experienced house fires. Some of these fires are small but some destroy entire homes. Regardless…
  • 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…
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    Insurance Marketing Blog

  • How to Get Hired as an Insurance Agent: 12 Insider Secrets

    John F. Carroll
    26 Aug 2014 | 7:49 am
    So you want to get hired as an insurance agent? I can help. I’ve been working with insurance agents for years. Thousands of agents from every corner of the globe and I understand how they think. Understanding what motivates a hiring insurance agent along with his or her fears makes it easy to make the right impression and get the job. Forget about the crap you read over on Careerbuilder. This is what you need to know. Follow my 12 insider secrets and you’re going to own the interview, impress the hiring agent, and get the job. Just promise me you’re going to work…
  • 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.
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    directasia.com

  • And the Winner is

    Paul Cypert
    28 Aug 2014 | 8:45 pm
    9UBCFJ5WDZF8And the Winner is By Paul Cypert Yesterday we held the official draw for our Take Up the Challenge & Stand to Win $8,888 promotion. There were a number of standard entries as well as those who qualified for 8 total chances to win. The winning entry was one of those with the enhanced chance to win! Congratulations to Mr. Siew Kok Mun who has won $8,888 dollars! Not only did he win our challenge, but he was also able to enjoy our Best Price Guarantee for some additional earnings. We’ll hand the prize over next week and post up the details here. Thanks to everyone who…
  • Singapore Needs More Sleep

    Paul Cypert
    26 Aug 2014 | 2:32 am
    9UBCFJ5WDZF8Singapore Needs More Sleep By Paul Cypert Singapore topped another list! But hold off the celebrations for now. The new list topping we’ve managed? Cities that don’t get enough sleep! Trailing only Tokyo, Seoul and Dubai, we’re fourth in the world with an average night’s rest of only 6 hours and 32 minutes. That’s short of the 7-9 hours recommended by most experts. And since this is an average, that means a large percentage of our population is well below even that paltry 6 1/2 hours. But sleep’s overrated! Actually, no it’s not. You need it. The effects of not…
  • Will my modified car still be insured?

    Cheryl Tay
    24 Aug 2014 | 8:28 pm
    9UBCFJ5WDZF8Will my modified car still be insured? By Cheryl Tay You love your vehicle, you want to individualise it and upgrade its performance or aesthetics with aftermarket parts. For example, you want to change your exhaust system for a sexier exhaust note, you want a spoiler and a body kit for a more aggressive look or you want bigger brake kits for better stopping power.  There is nothing wrong with wanting to customise your car and make it different from the rest, but at the same time, the more you customise it, the more you want to protect your car. Thus, what happens to your…
  • Potentially Good News for Singapore Drivers

    Paul Cypert
    20 Aug 2014 | 1:11 am
    9UBCFJ5WDZF8Potentially Good News for Singapore Drivers By Paul Cypert While nothing is confirmed yet, good news is rumbling out on the horizon for car drivers in Singapore.  We all love to moan about the upward climb of COE prices. Records recently have hit as high as S$80,000 on top of the already inflated car prices we pay out. Thankfully in the last few months that trend has been inching downward. Nothing great, but at least not climbing up over 80K again. But recent rumours are stirring that COE prices could, and let’s be sure to emphasize that nothing is definitive here, lower soon.
  • Extend Your Life, Slow Down and Read a Book

    Paul Cypert
    19 Aug 2014 | 12:14 am
    9UBCFJ5WDZF8Extend Your Life, Slow Down and Read a Book By Paul Cypert Sometimes Singapore moves too quickly.  Life here exists on rails. The momentum pushing you forward in a constant cycle. Rush to work, then back to your home…if you’re lucky stop to enjoy your hobby along the way when you can. The pace of life and digital onslaught edges out the little things. The old ways. Not many here will encourage taking moments for ourselves. To calm, rest, or exercise our brains a bit. Well, Brian Lim has. Mr Brian set up a simple little box in front of his house. Drive by quickly and you might…
 
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    InsureDirect.com

  • How to Get Accurate NJ Car Insurance Quotes

    admin
    20 Aug 2014 | 9:43 am
    A few years ago, if you wanted to get NJ car insurance quotes, you’d have to wait for a few days. But technology has changed all that. Now, insurance companies can give you a quote in a matter of minutes. Meaning, you have more time to compare policies and get the best deal in a short span of time. When shopping for competitively priced auto insurance, the key is getting accurate NJ car insurance quotes. Follow our tips and get more accurate quotes. Getting Accurate NJ Car Insurance Quotes Review your driving record A recent moving violation or a speeding ticket can make a big difference on…
  • The Hazards of Choosing NJ Cheapest Car Insurance

    admin
    19 Aug 2014 | 9:58 am
    When it comes to car insurance, NJ cheapest car insurance isn’t always the best the option. If you are looking to cut costs on your auto insurance, one important thing you have to keep in mind is to proceed with caution. When shopping for car insurance, you should never base your decision on the price alone. Rather, choose the one that comes with a good price and great service. You may have gotten the NJ cheapest car insurance, but you may end up spending more down the road. Listed below are some of the hazards of NJ cheapest car insurance. Read on and we’ll tell you more about it. Should…
  • Things You Can Do To Lower Your Pennsylvania Car Insurance Rates

    admin
    17 Aug 2014 | 11:46 am
    While most of us cringe at the idea of buying something we hope we’ll never use in the future, buying a car insurance is inevitable. It may be difficult to save money on auto insurance, but there are a lot of things you can do to lower your Pennsylvania car insurance rates. Pennsylvania Car Insurance rates are not likely to lessen anytime soon, but you can do something to reduce the sting. Check out the tips below and see how you can: Save on Your Pennsylvania Car Insurance Combine policies with one carrier If you have inquired about insuring all your vehicles on a single policy, you might…
  • Tips to Save on NJ Auto Insurance

    admin
    16 Aug 2014 | 2:39 pm
    Most state requires car owners to have some amount of NJ auto insurance. But if you are trying to cut down your expenses, it does not necessarily mean that you have to dismiss the idea of getting a car insurance at a good price. We’ll show you how to shop wisely to get the best coverage for the cheapest rate. In this article, we’ll give a few tips on how to save money on NJ auto insurance that will help keep you safe and your finances protected. Saving Money on New Jersey Auto Insurance Get multiple quotes Prices vary from one insurance company to another. So, before you decide on an…
  • How to Handle Your Affordable Ohio Auto Insurance Claims

    admin
    15 Aug 2014 | 2:47 pm
    If you have been involved in a car crash, you’ll be asked to file a claim with your affordable Ohio auto insurance company. It is important to follow a series of steps in order to ensure that your interests and legal rights are fully protected. This article will explain what you should do in the wake of an automotive collision or mishap. The following information will guide you through the claims settlement process. Handling Your Affordable Ohio Auto Insurance Claims Immediately after the accident In the unfortunate event that you are involved in an auto accident, the first thing you have…
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    Insurance Panda

  • How To Get A Car Insurance Quote Without Using Your SSN Or Other Personal Info

    InsurancePanda.com
    28 Aug 2014 | 12:28 pm
    The idea of shopping for car insurance online seems easy. However, when you start the process you may not think so. In fact, many drivers find that shopping for car insurance online is extremely frustrating. It is time consuming and at times difficult to compare prices. One of the biggest complaints about shopping around for… Continue reading →The post How To Get A Car Insurance Quote Without Using Your SSN Or Other Personal Info appeared first on Insurance Panda.
  • One Day Auto Insurance Explained

    InsurancePanda.com
    25 Aug 2014 | 2:39 pm
    If you do not have a car, one of the challenges that you may face when you either rent a car or borrow one from a friend is whether or not you need an insurance policy. Most of the time the thought of insurance gets lost in the shuffle. However, this is not a great… Continue reading →The post One Day Auto Insurance Explained appeared first on Insurance Panda.
  • Auto Insurance For The Elderly

    InsurancePanda.com
    8 Aug 2014 | 11:58 am
    How to Get Cheap Auto Insurance for Elderly Drivers People are currently living longer than those in the past generations. In fact, the census for the United States predicts that by the year 2030 the number of people that are over 70 years of age will increase from the current 29.7 million in 2012 to… Continue reading →The post Auto Insurance For The Elderly appeared first on Insurance Panda.
  • Get an Auto Insurance Quote with No Credit Check

    InsurancePanda.com
    6 Aug 2014 | 10:04 am
    When you are applying for auto insurance, most companies are going to run a credit check as a way to evaluate the risk of insuring an individual. It is possible to locate an insurance company that offers car insurance without a credit check. Obtaining car insurance can be a bit difficult if your driving record… Continue reading →The post Get an Auto Insurance Quote with No Credit Check appeared first on Insurance Panda.
  • Is Minimum Coverage Auto Insurance Enough For You?

    InsurancePanda.com
    26 May 2014 | 10:37 am
    Minimum coverage auto insurance is defined as the minimum amount of personal injury, property protection, bodily injury, and property damage liability coverage that is required by your state.  As you may or may not already know, each state has a minimum requirement for liability coverage for insured drivers as a way to protect victims in… Continue reading →The post Is Minimum Coverage Auto Insurance Enough For You? appeared first on Insurance Panda.
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    Insurance Protection Blog

  • High Net Worth Homeowners' Insurance Mistakes - Six To Avoid

    RJ Weiss
    20 Aug 2014 | 8:24 pm
    When it comes to high net worth homeowners insurance, it can get complicated.   But...it doesn’t have to be.   High net worth homeowners tend to make these six self imposed mistakes, that make their situation more difficult to insure.   Fortunately, by avoiding these mistakes, a high net worth individual could also save a substantial amount money.   Here are the six most common...   1.     Lack of Organization - You have acquired your assets over time, so it’s not uncommon to insure these assets in different ways. Your cars, for…
  • Online Password Management Best Practices and Tips

    RJ Weiss
    14 Aug 2014 | 3:44 pm
    If you played 20 questions with members of your closest friends and family, would they be able to guess a password to an online account of yours?   If you answered yes or even maybe, I have some bad news for you, you’re at risk.     As more and more private information comes online, more and more hackers are trying to steal your information.   On August 5th, CNET reported on a potential data breach of 1.2 billion username and password combinations. While information is still leaking about the potential breach, the fact is, breaches are becoming more common.  …
  • Townhome Insurance Coverage 101

    RJ Weiss
    6 Aug 2014 | 3:17 pm
    If you're looking to insure your townhome, the first thing you need to find out is what the master policy covers. The master policy is the policy owned by your townhome association. Most townhome associations have one, and if yours does, ask for a copy. When reviewing the master policy, find out what exactly what the townhome association does and doesn't cover. Most master policies provide coverage only for the exterior of your unit. In addition, coverage for common areas such as parks, pools, club houses, etc... As the owner of a townhome, in most cases, you own only the inside of the unit…
  • 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...
 
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    NoExam.com » BlogNoExam.com

  • The Importance of Hobbies

    Jonathan Holloway
    19 Aug 2014 | 10:46 am
    What are the keys to health and happiness? For most people, the list would include a healthy diet, regular exercise, a good night’s sleep, and loved ones with whom to share their lives. Hobbies, unfortunately, rarely make the list of priorities for a healthy lifestyle. Studies have shown that time spent pursuing hobbies and personal […] The post The Importance of Hobbies appeared first on NoExam.com.
  • 8 Easy Ways to Beat Stress

    Jonathan Holloway
    4 Aug 2014 | 9:10 am
    Stress is as old as man; however, it wasn’t until the 1950s that the medical community identified stress as a biological condition with profound health implications. Today, 54 percent of Americans are concerned about their daily levels of stress. Fortunately, decades of research led to a better understanding of what causes stress and how to […] The post 8 Easy Ways to Beat Stress appeared first on NoExam.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.
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    Assetsure

  • Can you tell your emeralds from your peridots?

    Sara Jaspan
    29 Aug 2014 | 2:23 am
    First coined by the ancient Egyptians as the ‘gem of the sun’, peridot’s gold-tinted citrus hue has long-since been celebrated across many cultures as a symbol of vitality, renewal and even Mother Nature herself. A case of mistaken identity Yet despite being one of the few gems to come in only one colour, the August birthstone has endured a history of misidentification, being commonly confused with its equally-green May look-alike: emerald. Many historians now believe that Cleopatra’s famous emerald collection was in fact peridot, while for centuries the fabulous 200-carat peridot…
  • Cycling Safety

    Bob Andrews
    28 Aug 2014 | 4:01 am
    Cycling Safety. – The Basics. If you are going to take to the roads on your Pedal Cycle, it’s essential to first of all ensure your bicycle is fit to be used on the road and that both brakes and lighting comply with any legal requirements (Please refer to our previous article) We also suggest that you read the “Highway Code” and not just the sections that relate to bicycles. Although it is not the law, we feel it is sensible to have some form of bicycle insurance in force and if you contact our office we will be pleased to help you with this. Bicycle insurance can help to…
  • Cyclists and the Law

    Bob Andrews
    21 Aug 2014 | 3:50 am
    Cycle Insurance and the law One of the questions, we are often asked is, “Do pedal cyclists need third party liability Insurance if  they are going to use their cycle on a public highway”. In short, the answer is no; however that said, just because a type of insurance isn’t compulsory, that doesn’t mean it’s not a good idea. If you are using your cycle on a public highway, having public liability insurance can help you in the event of claims made by other road users or pedestrians for injury or damages to property. If you are proved liable for either, you could face a large…
  • How well can we hear ?

    Bob Andrews
    8 Aug 2014 | 7:08 am
    We all take our hearing for granted and as we get older many of us start to notice that perhaps we are not hearing as well as we used to. Thankfully loss of hearing can quite easily be compensated for by the use of a hearing aid device. Hearing is a sense that normally in most people diminishes with age; babies can hear the highest frequencies of all and it is gradually all down hill from this point. In our prime, a healthy human ear (in a child or young adult) can hear sounds from 50 Hz up to 20Khz. Most human voices rarely exceed 5khz. We are not able to hear all of these pitches at the…
  • 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…
 
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    Enhanced Insurance

  • High Risk Life Insurance for Your Hobby

    Jenna Christianson
    2 Sep 2014 | 8:00 am
    In today’s world, there are a variety of activities that people can experience at a relatively low cost. In the metropolitan area where I live, I can jump at an indoor trampoline park, race a go-cart, canoe, cross-country ski, bike, or go on any number of different adventures. To an insurance company, these are fairly tame activities. The likelihood of a major accident or death is very low. So, participating will not affect your life insurance rates in any way. Your premiums will not increase just because you go for a bike ride every once in a while. What does make a difference to an…
  • Uber, Lyft, and AIRbnb Are Innovative, but Are They Good for Society?

    Jim Holm
    29 Aug 2014 | 11:10 am
    When I first heard about AIRbnb, Uber, and Lyft I thought the “sharing economy” was one of the worst ideas I had ever encountered. I’ve been involved in gauging risk in the insurance industry for five decades and have some expertise on innovative stupidity. For the last year or so I’ve watched huge amounts of venture capital pour into these entities and have had to reassess my opinion. Bottom line, with the Federal Trade Commission reporting that 7% of all U.S. citizens over sixteen were victims of identity theft in 2012, why would you turn over your personal security to anyone…
  • Long Term Care Insurance for People with Disabilities

    Jenna Christianson
    26 Aug 2014 | 8:10 am
    When someone says “long-term care insurance” (LTC), most people think of the elderly, nursing homes, and retirement plans. However, some people under the age of 65 often find themselves in need. A disability can strike at any age. Sometimes, it may be so debilitating that you need additional care. My grandmother was only 55 when she began showing signs of Alzheimer’s Disease. Unfortunately, it progressed quickly and within two years, she was deceased. During that difficult period, it became more and more difficult for my grandfather to help her with daily activities, like bathing and…
  • Are Uber and Lyft Innovators, or Scofflaws?

    Jim Holm
    21 Aug 2014 | 7:28 am
    Over the past few months I’ve followed the rise of Uber, Lyft, and other new “sharing economies” with interest. I’ve written several blogs on the topic and helped my home city of Minneapolis create a city regulation to regulate the TNCs (transportation network companies). I’ve watched with amazement the incredible manipulation of words, orchestrated by the TNCs, such as twisting the meaning of the term “ride-sharing” to include the normal activities of a taxi. Now the TNCs have crossed a line. They’ve couched their arguments along the lines of insurance requirements being…
  • Is Landscaping Covered by Home Insurance?

    Jenna Christianson
    19 Aug 2014 | 10:28 am
    Last summer, Minnesota saw some pretty intense storms. During a five-day period in June, high winds, hail, rain, and severe flooding damaged homes and property in eighteen counties. The destruction was so great, that Governor Dayton called an emergency legislative session to pass a relief bill to help begin the recovery process. One of those hit by the heavy storms was my sister’s home. She and her husband had spent Memorial Day planting new shrubbery and perennial flowers in their backyard. They had lived in their home less than a year and were looking forward to making it their own.
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    Montgomery & Associates

  • Are You a Prepper—a Fall Prepper, That Is?

    MAadmin
    2 Sep 2014 | 10:02 am
        Whether or not you realize it, you’re on a seasonal schedule of home maintenance here in the southern US. We’ve got all four seasons, which means we can’t leave our stuff in the same condition year round. Your home is your biggest investment, and that means you should go beyond insuring it to keeping it in good shape. Right now, we are all gearing up for the new school year and for fall. What does fall mean for your yard? We’re glad you asked.   Closing Up the Pool Backyard pools are a tried and true way to beat the summer heat in Tennessee, so many of us have…
  • To Be Local, Or to Be Commercial? That Is the Question

    MAadmin
    19 Aug 2014 | 9:51 am
        Are you overwhelmed by the many options for finding insurance these days? You see commercials for big insurance companies with funny punch lines, and you see commercials for your local insurance agency with equally promising services. How do you pick one? Knowing the pros and cons of each type of company will help you decide what’s best for your lifestyle and pocketbook.   Commercial Insurance Companies When you think of a ”big box,” conglomerate insurance corporation, you are probably thinking of these car insurance companies—the ones who offer cut rate discounts…
  • Bundle Up: The Pros and Cons of Insurance Bundling

    MAadmin
    4 Aug 2014 | 8:34 pm
        There are so many different kinds of insurance out there now to protect every asset you can think of—home, car, boat, life, health.  There’s even insurance to protect you from things—floods, theft, loss. But you don’t have to be overwhelmed by all the options. Most insurance companies today offer something called bundling: the option to pay for coverage of all assets in one monthly payment. And usually this payment is lower because you did it all with one company. While the price may be lower, but that’s not the only thing that happens when you bundle. Why You Should…
  • 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…
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    Flow Insurance

  • How to search for life insurance policies

    John
    2 Sep 2014 | 12:49 pm
    How to search for life insurance policies without all the headachesMany people know they need some form of life insurance after awhile, but they don’t  know how to go looking for their  policy. Perhaps someone at your job told you need to buy life insurance, or a friend or family member, but they didn’t go into much detail. This article will tell you how to search for life insurance policies, and will give you the basics so you can start off in your search for life insurance with full confidence that you’ll find a  policy that meets your needs.The basic kinds of life…
  • Whole life insurance rate quote

    John
    31 Aug 2014 | 12:43 pm
    Looking for a whole life insurance rate quote? Here’s how to get the best quoteThere are a few different ways for you to get a whole life insurance rate quote. Normally, we just tell people to apply at a few different places and get the cheapest quote. But, that’s for term life insurance. Term life insurance is pretty simple, but whole life insurance is not. The difference between whole life insurance quotes and term life insurance quotes is that the value of a whole life insurance policy can change over time. This means you will need to look at more than just the premium…
  • How to bridge your health and life insurance policies

    John
    29 Aug 2014 | 12:39 pm
    Many people want to know if they can bridge their health and life insurance plans together. The answer for most people is no, but there are ways that you can do something similar or combine two plans to get better benefits.The easiest way to bridge health and life insuranceIf you  want to bridge your health and life insurance plans, the easiest way to do so is to find a life and health insurance plan through the same company. This can be trickier than it seems though. Many companies who offer life insurance don’t offer health insurance and vice versa. A good place to start would be…
  • Looking for affordable cost insurance life low quote term insurance?

    John
    27 Aug 2014 | 12:35 pm
    Finding affordable insurance can be difficultThe older you get, the more insurance people want to sell you and often you have no idea where to look for affordable insurance. There are a few things that you can do in order to make sure you can find low-cost life insurance that has a low quote. If you’re looking for low-cost life insurance, the first thing you need to do is figure out what kind of life insurance you are looking for. In this case, 9 out of ten times, you will want term life insurance.What is term life insuranceTerm life insurance is the most affordable kind of life…
  • What’s this about companies taking life insurance policies out on employees?

    John
    25 Aug 2014 | 12:29 pm
    If you haven’t heard already, many companies are  taking out life insurance policies on their  employees, sometimes against their will. What’s the cause of this? You’ll find out when reading this article.Sometimes these policies are called dead peasant policies because of all the employees they’re taken out on. Typically, you would think the policies would just be used to cover crucial persons or VIPS of the  company. What would happen for instance if the CEO of a major company were to die accidentally of a drug overdose or horrible accident. The company might need…
 
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