• Most Topular Stories

  • Study finds link between insurance type and treatment for stroke patients

    Health Insurance / Medical Insurance News From Medical News Today
    12 Sep 2014 | 2:00 am
    University of Florida researchers have found a correlation between Medicare and patient access to surgical treatment for subarachnoid hemorrhage, a type of stroke that affects as many as 30,000...
  • House approves bill defining full-time employees as those working 40 hours

    Business Insurance - Web News
    19 Sep 2014 | 1:24 pm
    For the second time this year, the House of Representatives approved legislation to ease the health care reform law’s definition of a full-time employee by changing it to those working an average of at least 40 hours per week, shielding more...
  • Corporate Forms for Insurance Agents & Brokers

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

    Dental Insurance Trends
    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 or 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…
  • Federal grants to help N.J. shore up public transit against storms

    PCI SmartBrief
    19 Sep 2014 | 5:25 am
    The Federal Transit Administration will provide about $1.3 billion in grants to assist New Jersey Transit with protections ag -More- 
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    Specialty Insurance Blog

  • Standalone Tail – A Better Insurance Solution

    Specialty Insurance Blog
    3 Sep 2014 | 7:00 am
    A Standalone Tail insurance policy can be a better solution than exercising an Extended Reporting Period (ERP) provision in a professional liability insurance policy (E&O, D&O, EPL, Cyber). Tail coverage covers claims made against an insured during the period after the original claims made policy has expired for services (for a professional) provided prior to the original policy termination date (see here). Tail coverage is critical in the sale of an operation, such as an insurance agency, and typically is required by a buyer. There is currently an active market for Standalone Tail coverage…
  • Cyber Risk Insurance – A Necessary Coverage

    Specialty Insurance Blog
    5 Aug 2014 | 7:00 am
    Cyber Risk Insurance (also called Data Breach, Privacy, Network Security insurance) is a necessary insurance coverage for all organizations and most organizations are starting to buy the coverage. As an insurance agent or broker, you should be up to speed and ensuring your customers have (the right) coverage. The confluence of hacker attacks, employee errors, increasing regulation and internet security lapses has created a heightened level of exposure for all organizations, including smaller organizations. We noted an increasing need last year in our post Cyber Risk is Booming (see here, also…
  • Healthcare & Cyber Risk Insurance

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

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

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

  • The following site is a great resource i

    11 Sep 2014 | 2:15 am
    The following site is a great resource if you need to check if a vehicle is taxed or has been declared SORN. under: HomeApproved
  • Best In-Car Driving Apps

    31 Mar 2014 | 2:56 pm
    Best In-Car Driving Apps With the use of iPhone and Android smartphones having taken off over the last 5 years, there doesn’t seem to be any aspect of our lives that they don’t reach into. What seems like only a small number of years ago we were introduced to in-car entertainment in a big way via our top of the range Blaupunkt radio and cd player. Soon to follow was the in-car satellite navigation systems led by TomTom and Garmin. It’s always surprising how quickly these brands and technologies have come into fashion and then disappeared when a newer gadget hits the…
  • 4×4 Vehicles Coming into Their Own?

    22 Mar 2014 | 7:46 am
    4×4 Vehicles Come into Their Own In the UK we have just experienced one of the wettest winter’s on record. As a nation we have been affected very severely by an exceptional run of winter storms, culminating in serious coastal damage and widespread, persistent flooding. Many home owners were evacuated from their flooded homes, and motorists had to abandon journeys because of impassable roads. Was this an extraordinary run of inclement wet weather not to be repeated for decades or is this likely to be the scenario for many periods in the near future? Recent studies have suggested…
  • Connected Car Insurance

    15 Mar 2014 | 4:15 am
    Connected Car Insurance The next 50 years will witness enormous developments in car technology. You can compare the seismic evolution about to hit the roads with the first introductions of the diesel engines into the automobile back in the 1930’s. Whilst the development of the diesel engine still continues to this day, you can be sure that the evolution of connected and even driverless car technology will be driven forward at even greater speed. This bodes the question of what the ramifications are for car insurance. Not just in the UK but across the globe. As motorists many of us…
  • Porsche 918 Spyder – A REAL Game Changer

    10 Mar 2014 | 2:23 am
    Porsche 918 Spyder – A REAL Game Changer Pure. Energy. This is how the marketing folk at Porsche simply describe the fantastical motor car that is the Porsche 918 Spyder. A brutal and mesmeric combination of distinctively Porsche hybrid fused with ultra-intelligent technology. In our opinion this car, perhaps even more so than the iconic Bugatti Veyron, moves us forward with greater confidence, and optimism into the world of future motoring. The Porsche 918 Spyder represents an entirely new look at the supercar. It perhaps, truly heralds the future of the sports car, one that…
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    Work Comp Roundup

  • Give Your Workers Comp Claims A Check-Up

    Michael B. Stack
    19 Sep 2014 | 6:30 am
    For the smart man or woman running a business, staying on top of your workers compensation claims is a critical component to success.   As all too many business owners have unfortunately discovered over time, letting your workers comp claims get out of control can lead to excessive expenses, sometimes putting the company budget in the red. In order to avoid this problem, make sure there is a physical review of each and every open and closed claim file. In doing so, this demonstrates the quality of file handling both now and in the past.   For business owners, it is important to…
  • OSHA Notes Final Rule in Serious Worker Injuries

    Kori Shafer-Stack
    19 Sep 2014 | 5:30 am
    Serious injuries in the workplace are undoubtedly going to happen, but that does not mean lessons can’t be learned from them.   The U.S. Department of Labor’s Occupational Safety and Health Administration recently announced a final rule requiring employers to notify OSHA when an employee is killed on the job or suffers a work-related hospitalization, amputation or loss of an eye.   The rule, which also updates the list of employers partially exempt from OSHA record-keeping requirements, will go into effect on Jan. 1, 2015, for workplaces under federal OSHA jurisdiction.
  • Australian Study Highlights Utilities Sector Safety

    Kori Shafer-Stack
    18 Sep 2014 | 5:30 am
    Utility workers can oftentimes face dangerous risks in their jobs, but that does not mean workplace safety is not achievable.   Results of a new study by organizational psychology firm SACS Consulting reveal that Australian workers in the utilities sector were the most motivated to ensure safety at work, and most likely to comply with OHS rules and participate in improving workplace safety.   According to Andrew Marty, managing director of SACS and Principal Researcher in the study, recent data from Safe Work Australia shows manufacturing workers make more than 16,000 serious…
  • Cavalcade of Risk #217, Top Risk Posts From The Blogosphere

    Rebecca Shafer, J.D.
    17 Sep 2014 | 6:30 am
    The WC Roundup is proud to be hosting the 217th Cavalcade of Risk.  This bi-weekly blog is a collection of risk-related posts covering topics from finance, to insurance, to health.     The Audacity of Dope Blog:  From Bob’s Cluttered Desk, Author: Bob Wilson A court in New Mexico has decided that an employer must now pay for medical marijuana for one of its injured employees. Does this represent an inevitable trend?     Commercial Auto Insurance: Time For Underwriting Profit? Blog: The Dec…
  • Completing A Subrogation Investigation

    Michael B. Stack
    17 Sep 2014 | 6:30 am
    Subrogation is a large part of the investigating and handling of insurance injury claims.  Most times a lot of carriers will sign off on subro because they feel the injury was due to operator error or a safety violation in general.   Yes machine operators or manufacturing employees in general make their fair share of errors, but there are some good guidelines to remember before you rule out subrogation:   What was the root cause of the injury? Any time a machine injures an employee, you have to make sure the machine is not touched or altered until an adjuster or field adjuster can…
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    Colorado Health Insurance Insider

  • How to avoid frustration with these 6 open enrollment tips

    4 Sep 2014 | 9:48 am
    Our guide to being prepared. The post How to avoid frustration with these 6 open enrollment tips appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: 2015 Obamacare Open Enrollment is November 15, 2014 through February 15, 2015 Connect for Health Colorado Updates On The End Of Open Enrollment for Health Insurance in 2014 Short term health insurance is your best option if you missed open enrollment
  • Assigning an agent/broker with Connect for Health Colorado

    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

    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!

    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

    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…
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    Home Insurance Blog

  • How You Can Save for a House: Learn from Christina Lavingia

    Arthur Murray
    20 Sep 2014 | 5:00 am
    To our readers: Today’s guest on HI Five Reviews, our interview series featuring five questions for specialists about topics important to home insurance customers, is Christina Lavingia. She is an editor at, which aims to match readers with the best interest rates for financial services nationwide and provides informative tips on personal finance. Her responses have been edited for brevity and clarity. What are common misconceptions about saving for a home? Lavingia: Many people think it’s impossible to save for a home, especially when renting.  What they might not…
  • Credit Repair for Homebuyers: Advice from Gerri Detweiler

    Samantha Alexander
    19 Sep 2014 | 6:00 am
    To our readers: Welcome back to HI Five Views, an interview series featuring five questions to specialists about topics important to home insurance policyholders. Today’s guest expert is Gerri Detweiler, director of consumer education for, which offers free credit scores, an analysis of factors affecting yours, and an action plan. Her responses have been edited for brevity and clarity. Most people know the common factors that affect credit, but say you’re paying your bills on time and still have a low score: What are lesser-known factors that can injure your credit…
  • How to find the Best Mortgage for You: Tips from Victoria Araj

    Samantha Alexander
    18 Sep 2014 | 6:05 am
    To our readers:This is the kickoff of HI Five Views, an interview series featuring five questions to specialists about  topics important to home insurance policyholders. Today’s guest is Victoria Araj, an expert with the Zing! blog. She writes extensively about mortgage banking and other topics. Araj will be speaking Saturday at FinCon14, a peer conference for the financial media community that started today in New Orleans. Her responses have been edited for brevity and clarity. At what stage in the home buying process should buyers first sit down with a mortgage…
  • Safe Tailgating – At Home and Away

    Katherine Wood
    17 Sep 2014 | 7:19 am
    The openings of college and pro football seasons have come and gone. You probably have a few well-established tailgating traditions for games both home and away, but don’t get too comfortable. Just as bad habits on the field can lead to poor results, failure to follow best tailgating practices can cause trouble for you and your friends. How? If you’re not careful, you could get tackled by liquor liability on game day. When you provide alcohol for others, even guests and fellow tailgaters of legal drinking age, you open yourself up to risk.  Liquor liability laws differ by state,…
  • America’s Least Dangerous States for Driving

    Katherine Wood
    8 Sep 2014 | 7:51 am
    You’ve seen the crash statistics for drivers in U.S. states and observed the “most dangerous drivers” lists. Now, it’s time to look at driving from a new perspective: yours. Driving on America’s roads involves more than just other drivers; it also includes hazards such as road conditions and motor vehicle thefts. We examined the total picture, including regulating factors such as the minimum driving age and police presence on the roads, to find the least dangerous states in which to drive. The safest U.S. states may surprise you. 1. Massachusetts: Staying Safe in…
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    Insurance Law Hawaii

  • Court Sorts Out Defense Obligations of Mutiple Carriers

    Tred Eyerly
    17 Sep 2014 | 3:01 am
       The court was faced with issues surrounding the defense obligations under numerous policies issued to a general contractor. St. Paul Fire & Marine Ins. Co. v. Lexington Ins. Co., 2014 U.S. Dist. LEXIS 113635 (D. Ariz. Aug 15, 2014).    Del Webb Home Construction, Inc. was sued by hundreds of homeowners for alleged construction defects.  Three insurers that were defending Del Webb in the underlying actions, St. Paul, Zurich and AIG, filed this suit against 13 other insurers who insured one or more subcontractors and/or Del Webb at various times, but refused to contribute or…
  • Insured Entitled to Defense After Posting Medical Records Online

    Tred Eyerly
    15 Sep 2014 | 3:01 am
       The insurer had a duty to defend the insured contractor's publication of medical records online, making them accessible to anyone. Travelers Indem. Co. of Am. v. Portal Heathcare Solutions, LLC, 2014 U.S. Dist. 110987 (E.D. Va. Aug. 7, 2014).    Portal specialized in safekeeping of medical records for hospitals, clinics, and other medical providers. Portal was sued in a class action suit filed in New York state court for failing to safeguard the confidential medical records of patients at Glen Falls Hospital. Two patients of Glen Falls conducted a Google search of their…
  • Eighth Circuit Rejects Retroactive Application of Construction Defect Legislation

    Tred Eyerly
    10 Sep 2014 | 3:01 am
       The Eighth Circuit refused to retroactively apply an Arkansas statute establishing coverage for faulty workmanship. J-McDaniel Const. Co., Inc. v. Mid-Continent Cas. Co., 2014 U.S. App. LEXIS 14911 (8th Cir. Aug. 4, 2014).    The homeowners sued J-McDaniel for faulty workmanship in constructing their home. The defective construction work was performed by subcontractors. Mid-Continent refused to defend or indemnify J-McDaniel.    The insured sued Mid-Continent. The district court dismissed the claim pursuant to Essex Ins. Co. v. Holder, 261 S.W. 3d 456, 460 (Ark. 2008). In Essex,…
  • Ill-fated Complaint Fails to State Claims Against Broker and FEMA

    Tred Eyerly
    8 Sep 2014 | 3:01 am
       A complaint lodged against the insureds' broker and FEMA was dismissed for failure to state a claim. Lopez v. State Farm Gen. Ins. Co., 2014 U.S. Dist. LEXIS 109803 (E.D. La. Aug. 8, 2014).    The insureds held a Standard Flood Insurance Policy (SFIP) issued by FEMA, but sold by the broker. The insureds alleged that their property was totally destroyed by Hurricane Isaac. FEMA paid the insureds $234,513.02 for damage to their dwelling and $80,566.17 for its contents, for a total of $315,079.19. This was $34,920.81 below the policy limits. The insureds sued, claiming FEMA…
  • Coverage Exists for Landlord as Additional Insured

    Tred Eyerly
    3 Sep 2014 | 3:01 am
       The Indiana Court of Appeals determined the landlord was entitled to coverage as an additional insured under the tenant's policy. Selective Ins. Co. v. Erie Ins. Exch., 2014 Ind. App. LEXIS 365 (Ind. Ct. App. July 30, 2014).    Rangeline, LLC owned a warehouse. Rangeline negotiated a lease with Hammons Storage to store insulation manufactured by Knauf Insulation. Pursuant to requirements in the lease, Hammons secured liability coverage with Erie Insurance naming Rangeline as an additional insured.     After Hammons moved insulation into the warehouse for storage, the pipes of…
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    TDI News Releases

  • wcweeklyrates

    19 Sep 2014 | 8:51 am
    09/19/14 - AUSTIN, TX — In accordance with the Texas Labor Code (TLC) §408.047, the workers’ compensation state average weekly wage is equal to 88 percent of the average weekly wage in covered employment as computed each year by the Texas Workforce Commission under TLC §207.002(c).
  • 2014star

    15 Sep 2014 | 1:40 am
    09/15/14 - AUSTIN, TX—The Division of Workers’ Compensation (DWC) recognizes the 2014 recipients of the Texas Star Award which honors peace officers, firefighters and emergency medical first responders who have been seriously injured or killed in the line of duty.
  • fataloccup2013

    11 Sep 2014 | 9:06 am
    09/11/14 - AUSTIN, TX - In 2013, there were 493 fatal occupational injuries in Texas, an eight percent decrease from 536 in 2012, according to preliminary data released today from the U.S. Department of Labor, Bureau of Labor Statistics (BLS), Census of Fatal Occupational Injuries (CFOI).
  • anmeetingsept

    5 Sep 2014 | 1:13 am
    09/5/14 - AUSTIN – The State Fire Marshal’s Office (SFMO) is conducting a series of meetings with county officials and first responders across Texas to reinforce best practices for ammonium nitrate (AN) storage facilities.
  • campusafety

    3 Sep 2014 | 5:12 am
    09/3/14 - AUSTIN- The start of a new college semester means new classes, new friends, and often a new place to live. With the fast pace of a new school year, students often forget, or don’t even consider, the potential for fire in their new surroundings.
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    WordPress Tag: Auto Insurance

  • Mercury Insurance Group

    9 Sep 2014 | 8:51 pm
    The largest insurance agency in FloridaEast Coast Insuranceprovidesexcellent customer service,For More Info
  • Flood Maps are now approved for Fort Lauderdale and Broward County.

    9 Sep 2014 | 1:25 pm
    Please call L and S Insurance at 1-888-244-7400 for Flood Insurance info and quotes on Home, Flood, Auto, Business and Commercial, Life and financial products as well. You can use the interactive map viewing tool to find out if your home or business is in a flood zone. To use the tool, follow these steps: 1. Click on the search tool below. 2. Type in the address of your property in the area at the top right, above the map titled “Find address or place”, and click on the magnifying glass to search. 3. Use the tool on the left side of the map to zoom in and locate your property. 4. Click on…
  • Expansion of Private Market Flood continues and accelerates in advance of soon to come FEMA rate increases on non-primary and commercial properties.

    9 Sep 2014 | 1:21 pm
    “Shortly after the 1st of the New Year FEMA is widely anticipated to increase flood insurancepremiums a whopping 25% and add an additional $250 surcharge for non-primary residencesand commercial properties”, says Evan Hecht, coverholder for the Lloyd’s of London PrivateMarket Flood program.   “Private Market Flood targets older pre-FIRM properties with premiums lower than FEMA and is especiallycompetitive on non-primary residences and commercial properties even before the impending FEMA rateincreases, at which time, the premium discrepancy will become even greater.” This is…
  • Want Lower Premiums? Look to Your Own Agent

    9 Sep 2014 | 5:18 am
    When searching for ways to lower insurance premiums, you don’t have to look very far. By going over your policy and goals with your agent, you can find ways to save on your current policy. Here are three ways to get lower rates on your current policy. Cut extra fees Ask if you’re paying extra for such conveniences as monthly installment fees. If you pay your premium monthly, virtually every insurance carrier will charge you an installment fee of up to $5 a month. By paying your premiums in full, or as much as possible over a couple of months, installment fees will be lower or…
  • Protect The Investment You Made In Your Car

    9 Sep 2014 | 3:47 am
    Understanding auto insurance is not always the easiest task that someone can undertake. There is a lot of information out there for you to wade through, and then decide if the information is even useful to you. Fortunately, here you will find some of the most useful auto insurance tips available anywhere. When considering auto insurance for a young driver, consider signing up for automatic payments if your provider supports them. Not only will this help to ensure that payments are on time, but your insurance provider may even provide a discount for doing so. Another option to consider is…
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  • Anthony slams Atlanta Hawks' management

    20 Sep 2014 | 9:40 pm
    Anthony slams Atlanta Hawks' managementAPKnicks' star Carmelo Anthony blasted Bruce Levenson and Danny Ferry for their roles in the ongoing race-related scandal.'Nobody would want to go there'More sports coverageU.S. hopeful of Ryder Cup upsetCardinals' Abraham done for year
  • Troopers still in hot pursuit of ambush suspect

    20 Sep 2014 | 9:40 pm
    Troopers still in hot pursuit of ambush suspectAPA shelter in place order was finally lifted as Pennsylvania police continued their search for ambush shooting suspect Eric Frein. Why FBI says he's 2nd most wantedMore newsDem hit for lewd referenceHostage's wife pleads with ISIS
  • A healthy diet may not prevent this disease

    20 Sep 2014 | 9:40 pm
    A healthy diet may not prevent this diseaseGettyA recent study found that eating 'heart-healthy' meals may not reduce your risk for this chronic illness.What women need to knowMore from Everyday HealthDoes diabetes affect your heart?Tips to pack a healthy lunch
  • Hundreds join search for missing student

    20 Sep 2014 | 9:40 pm
    Hundreds join search for missing studentGettyOne day after cops identified a 'person of interest' in the case, volunteers stepped up to help find UVA student Hannah Graham. City wrestles with new safety fearsMore newsRoberts hits campaign trail 9-year-old feared kidnapped
  • Mannings among richest NFL players

    20 Sep 2014 | 9:40 pm
    Mannings among richest NFL playersGettyPeyton and Eli Manning are neck and neck for highest paid NFL players, but there's one QB who makes more than they do.Staggering amount No. 1 is paidMore football from FanSidedNFL top 10 hybrid players Week 3 staff predictions
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  • Anthony slams Atlanta Hawks' management

    20 Sep 2014 | 9:40 pm
    Anthony slams Atlanta Hawks' managementAPKnicks' star Carmelo Anthony blasted Bruce Levenson and Danny Ferry for their roles in the ongoing race-related scandal.'Nobody would want to go there'More sports coverageU.S. hopeful of Ryder Cup upsetCardinals' Abraham done for year
  • Troopers still in hot pursuit of ambush suspect

    20 Sep 2014 | 9:40 pm
    Troopers still in hot pursuit of ambush suspectAPA shelter in place order was finally lifted as Pennsylvania police continued their search for ambush shooting suspect Eric Frein. Why FBI says he's 2nd most wantedMore newsDem hit for lewd referenceHostage's wife pleads with ISIS
  • A healthy diet may not prevent this disease

    20 Sep 2014 | 9:40 pm
    A healthy diet may not prevent this diseaseGettyA recent study found that eating 'heart-healthy' meals may not reduce your risk for this chronic illness.What women need to knowMore from Everyday HealthDoes diabetes affect your heart?Tips to pack a healthy lunch
  • Hundreds join search for missing student

    20 Sep 2014 | 9:40 pm
    Hundreds join search for missing studentGettyOne day after cops identified a 'person of interest' in the case, volunteers stepped up to help find UVA student Hannah Graham. City wrestles with new safety fearsMore newsRoberts hits campaign trail 9-year-old feared kidnapped
  • Mannings among richest NFL players

    20 Sep 2014 | 9:40 pm
    Mannings among richest NFL playersGettyPeyton and Eli Manning are neck and neck for highest paid NFL players, but there's one QB who makes more than they do.Staggering amount No. 1 is paidMore football from FanSidedNFL top 10 hybrid players Week 3 staff predictions
  • add this feed to my.Alltop

  • Anthony slams Atlanta Hawks' management

    20 Sep 2014 | 9:40 pm
    Anthony slams Atlanta Hawks' managementAPKnicks' star Carmelo Anthony blasted Bruce Levenson and Danny Ferry for their roles in the ongoing race-related scandal.'Nobody would want to go there'More sports coverageU.S. hopeful of Ryder Cup upsetCardinals' Abraham done for year
  • Troopers still in hot pursuit of ambush suspect

    20 Sep 2014 | 9:40 pm
    Troopers still in hot pursuit of ambush suspectAPA shelter in place order was finally lifted as Pennsylvania police continued their search for ambush shooting suspect Eric Frein. Why FBI says he's 2nd most wantedMore newsDem hit for lewd referenceHostage's wife pleads with ISIS
  • A healthy diet may not prevent this disease

    20 Sep 2014 | 9:40 pm
    A healthy diet may not prevent this diseaseGettyA recent study found that eating 'heart-healthy' meals may not reduce your risk for this chronic illness.What women need to knowMore from Everyday HealthDoes diabetes affect your heart?Tips to pack a healthy lunch
  • Hundreds join search for missing student

    20 Sep 2014 | 9:40 pm
    Hundreds join search for missing studentGettyOne day after cops identified a 'person of interest' in the case, volunteers stepped up to help find UVA student Hannah Graham. City wrestles with new safety fearsMore newsRoberts hits campaign trail 9-year-old feared kidnapped
  • Mannings among richest NFL players

    20 Sep 2014 | 9:40 pm
    Mannings among richest NFL playersGettyPeyton and Eli Manning are neck and neck for highest paid NFL players, but there's one QB who makes more than they do.Staggering amount No. 1 is paidMore football from FanSidedNFL top 10 hybrid players Week 3 staff predictions
  • add this feed to my.Alltop

  • Anthony slams Atlanta Hawks' management

    20 Sep 2014 | 9:40 pm
    Anthony slams Atlanta Hawks' managementAPKnicks' star Carmelo Anthony blasted Bruce Levenson and Danny Ferry for their roles in the ongoing race-related scandal.'Nobody would want to go there'More sports coverageU.S. hopeful of Ryder Cup upsetCardinals' Abraham done for year
  • Troopers still in hot pursuit of ambush suspect

    20 Sep 2014 | 9:40 pm
    Troopers still in hot pursuit of ambush suspectAPA shelter in place order was finally lifted as Pennsylvania police continued their search for ambush shooting suspect Eric Frein. Why FBI says he's 2nd most wantedMore newsDem hit for lewd referenceHostage's wife pleads with ISIS
  • A healthy diet may not prevent this disease

    20 Sep 2014 | 9:40 pm
    A healthy diet may not prevent this diseaseGettyA recent study found that eating 'heart-healthy' meals may not reduce your risk for this chronic illness.What women need to knowMore from Everyday HealthDoes diabetes affect your heart?Tips to pack a healthy lunch
  • Hundreds join search for missing student

    20 Sep 2014 | 9:40 pm
    Hundreds join search for missing studentGettyOne day after cops identified a 'person of interest' in the case, volunteers stepped up to help find UVA student Hannah Graham. City wrestles with new safety fearsMore newsRoberts hits campaign trail 9-year-old feared kidnapped
  • Mannings among richest NFL players

    20 Sep 2014 | 9:40 pm
    Mannings among richest NFL playersGettyPeyton and Eli Manning are neck and neck for highest paid NFL players, but there's one QB who makes more than they do.Staggering amount No. 1 is paidMore football from FanSidedNFL top 10 hybrid players Week 3 staff predictions
  • add this feed to my.Alltop

  • Anthony slams Atlanta Hawks' management

    20 Sep 2014 | 9:40 pm
    Anthony slams Atlanta Hawks' managementAPKnicks' star Carmelo Anthony blasted Bruce Levenson and Danny Ferry for their roles in the ongoing race-related scandal.'Nobody would want to go there'More sports coverageU.S. hopeful of Ryder Cup upsetCardinals' Abraham done for year
  • Troopers still in hot pursuit of ambush suspect

    20 Sep 2014 | 9:40 pm
    Troopers still in hot pursuit of ambush suspectAPA shelter in place order was finally lifted as Pennsylvania police continued their search for ambush shooting suspect Eric Frein. Why FBI says he's 2nd most wantedMore newsDem hit for lewd referenceHostage's wife pleads with ISIS
  • A healthy diet may not prevent this disease

    20 Sep 2014 | 9:40 pm
    A healthy diet may not prevent this diseaseGettyA recent study found that eating 'heart-healthy' meals may not reduce your risk for this chronic illness.What women need to knowMore from Everyday HealthDoes diabetes affect your heart?Tips to pack a healthy lunch
  • Hundreds join search for missing student

    20 Sep 2014 | 9:40 pm
    Hundreds join search for missing studentGettyOne day after cops identified a 'person of interest' in the case, volunteers stepped up to help find UVA student Hannah Graham. City wrestles with new safety fearsMore newsRoberts hits campaign trail 9-year-old feared kidnapped
  • Mannings among richest NFL players

    20 Sep 2014 | 9:40 pm
    Mannings among richest NFL playersGettyPeyton and Eli Manning are neck and neck for highest paid NFL players, but there's one QB who makes more than they do.Staggering amount No. 1 is paidMore football from FanSidedNFL top 10 hybrid players Week 3 staff predictions
  • add this feed to my.Alltop - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management Blog

  • UN continues push for “loss & damage” solution. Cat bonds feature

    19 Sep 2014 | 7:17 am
    The United Nations continues to move forwards, albeit slowly, its goal to address the issue of “loss and damages” from natural disasters and weather related climate risks, and catastrophe bonds, alongside other risk transfer tools, are set to feature. The UN has been working with industry and various other international organisations on recommendations to address the issue of rising disaster losses, growing impacts of weather and climate related risks and the needed initiatives, both financial and practical or physical, to increase resilience to these threats. As a result, the…
  • Despite capital on sideline, reinsurers expect payback. Should they?

    19 Sep 2014 | 5:12 am
    Traditional reinsurance players still believe that they will be able to claw back losses suffered during a given treaty year by raising prices in subsequent years, despite the widely expected readiness of more new and alternative capital sitting on the markets sidelines. The concept of payback seems like an old-fashioned one to many who believe that it is reinsurers jobs to accurately price risks up front with enough margin to allow for a level of losses in the future. Certainly prices should fluctuate after major loss events, with some upwards movement to recalculate rates to allow for new…
  • Fate of MultiCat Mexico 2012 should be known within 120 days: S&P

    19 Sep 2014 | 2:56 am
    It’s no surprise to see that rating agency Standard & Poor’s has now placed the $100m MultiCat Mexico Ltd. (Series 2012-1) Class C catastrophe bond notes on CreditWatch with negative implications as they sit at risk of loss due to hurricane Odile. S&P is the rating agency for the World Bank arranged MultiCat Mexico 2012 cat bond and as a result has to respond to any threats to the notes credit profile, such as a hurricane like Odile which may have triggered them. As we wrote in our piece yesterday it could take some time before a final assessment on whether the Class C…
  • Nephila helped Lloyd’s get comfortable with ILS capital: Bolt

    19 Sep 2014 | 12:50 am
    Tom Bolt, the Director of Performance Management at insurance and reinsurance market Lloyd’s, says that working with insurance-linked investment manager Nephila Capital has helped Lloyd’s to get comfortable with how ILS works. Third-party reinsurance capital is seen as both a friend and foe to Lloyd’s, according to Tom Bolt’s comments in an article on the Lloyd’s website. In one respect, the growing use of third-party capital and insurance-linked securities (ILS) in high level catastrophe excess of loss business in regions such as Florida is pushing Lloyd’s…
  • MultiCat Mexico 2012 cat bond payout not guaranteed yet

    18 Sep 2014 | 6:27 am
    The fate of the MultiCat Mexico Ltd. (Series 2012-1) catastrophe bond is not as clear-cut as it seems. We understand that investors must wait for confirmed data on hurricane Odile to be released by the National Hurricane Center (NHC) which can take some weeks. The calculation agreement for the MultiCat Mexico 2012 cat bond specifies that the final assessment, of whether the bond is triggered, has to be based on the data released by the NHC in its post event tropical cyclone reports using the ‘best track’ data analysis it provides, we’re told. The ‘best track’…
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  • Week’s Top Stories: September 13 — 19, 2014

    GC Editor
    19 Sep 2014 | 5:00 am
    Cyber, Terrorism and New Compensation Structures Highlighted as Critical Emerging Risks: Guy Carpenter published a new report highlighting emerging risks facing the (re)insurance sector, including... Continue reading...
  • Terrorism Reinsurance Strategies

    GC Editor
    17 Sep 2014 | 10:00 pm
    Even if the Terrorism Risk Insurance Program Reauthorization Act (TRIPRA) is renewed without wholesale changes, the recent organic growth in US nationwide workers compensation premiums as a result of... Continue reading...
  • As Cyber-Attacks Escalate, So Does Demand for Cyber-Specific Insurance

    GC Editor
    16 Sep 2014 | 10:00 pm
    Morley Speed, Managing Director, UK Cyber Solutions; Kirsten Eickstaedt, Senior Vice President, European Division and Casualty Solutions Group ; Mike Brown and Jeremy Platt, Co-Leaders of Cyber... Continue reading...
  • Hurricane Odile

    GC Editor
    16 Sep 2014 | 12:38 pm
    Hurricane Odile made a direct hit to the Southern end of the Baja Peninsula, Mexico, Sunday night, with impacts of great severity. Maximum sustained winds at landfall were 125 mph, a Category 3... Continue reading...
  • Capital Markets Growth and Innovations Continue

    GC Editor
    15 Sep 2014 | 10:00 pm
     Cory Anger, Global Head of ILS Structuring, GC Securities  Contact The influx of new capital into the (re)insurance industry constitutes the largest change to the sector’s capital structure in... Continue reading...
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  • Essential Re-Calculating

    19 Sep 2014 | 7:06 am
    Feature or bug?"A flaw in the federal calculator for certifying that insurance meets the health law’s toughest standard is leading dozens of large employers to offer plans that lack basic benefits"This problem poses several challenges:First, if your company's health plan is deemed to be ObamaTax-compliant by the calculator, then you're likely not going to be eligible for any subsidy if you opt for an Exchange-based plan instead.Another issue is that the calculator seems to be approving plans that lack hospitalization coverage, one of the the key essential health benefits (EHBs). That…
  • Of Gas Lines and Med's

    18 Sep 2014 | 7:02 am
    Those of us of a certain age recall the gasoline shortages of the early 70's. Oil prices had jumped considerably, and so the government (in its infinite wisdom and keen understanding of market forces) put in place price controls, basically telling the oil companies how much they could charge for their product.As one might expect, these companies, faced with the reality that they were going to lose money on each sale, began to limit availability of their product. This lead to the infamous "gas lines," where folks lined up to purchase their 10 gallon maximum, every other Thursday between 9:00AM…
  • Geronimo!

    17 Sep 2014 | 5:27 pm
    The 2015 Obamacare open enrollment is less than 2 months away and already some carriers have cold feet and are ready to bail.With less than 4 months of credible claim data to work with the "Blue Ox" of Minnesota is pulling the plug.PreferredOne, the insurer that sold nearly 60 percent of all private health plans on Minnesota's Obamacare exchange, on Tuesday said it would leave that marketplace. PreferredOne's plans were the lowest-cost options on that exchange, known as MNSure.PreferredOne cited the costs of doing business on MNSure as the reason for its surprising decision, saying that…
  • Exchanges, Carriers and Ch-ch-changes

    17 Sep 2014 | 12:25 pm
    Just because the Federal Exchange is a hot, hacktastic mess, there's no reason to think that those run by individual states are in such sorry shape.Right?Ummmm:"Maryland officials are planning a gradual rollout of the state's health insurance website to avoid problems"Oh? And what kind of "problems" are we talking about?Oh, those kinds of problems:"... glitches can be worked out and the system won’t be overwhelmed with requests"Yeah, one could see where that might be a problem. After all, there'll likely be tens (hundreds?) of thousands of Old Line State citizens eagerly shopping for their…
  • Cavalcade of Risk #217 is up!‏

    17 Sep 2014 | 10:30 am
    Rebecca Shafer turns in another great roundup of risky posts, from Dopey Audacity to Your Mama's WC (Worker's Comp):Do check it out!Original content copyright © InsureBlog
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    Workers Comp Insider

  • How Americans die on the job

    Julie Ferguson
    19 Sep 2014 | 7:41 am
    in her post How Americans die on the job, in 5 charts, Danielle Kurtzleben of Vox media analyzes and summarizes data from the Labor' Department's most recent preliminary Census of Fatal Occupational Injuries, 2013 The charts offer a quick look at of some of the most deadly jobs, activities and demographics. The good news is that fatalities continue trending down,...
  • Cavalcade of Risk #217

    Julie Ferguson
    17 Sep 2014 | 12:37 pm
    Cavalcade of Risk #217 is live, covering such wide-ranging topics from the Audacity of Dope to the state of the residual property market. Rebecca Shafer hosts at the WC Roundup blog - check it out!...
  • "Calling a dog's tail a leg does not make it a leg": Big court loss for FedEx

    Julie Ferguson
    15 Sep 2014 | 2:15 pm
    Over the years, we've devoted a few dozen posts to the issue of FedEx and its drivers. Here's the issue in a nutshell: FedEx thinks its Ground drivers are independent contractors and the drivers generally disagree. For the eleven years we've been blogging, this issue has been wending its way through state courts, with a win for the company here,...
  • Health Wonk Review: September 11, 2014; plus, a 9-11 remembrance

    Julie Ferguson
    11 Sep 2014 | 8:04 am
    David Williams posts the first issue of the fall season at Health Business Blog - Health Wonk Review: September 11, 2014. Topics include Obamacare, Medicare, performance measurement, power plants and more... And speaking of 9/11... Our condolences to all who lost loved ones on 9-11 -- our thoughts particularly go to the many heroic 9-11 first responders - both those...
  • 9/11 Remembrance

    Tom Lynch
    11 Sep 2014 | 8:01 am
    If you're looking for something about workers' compensation, might as well stop reading now, because this isn't about workers' compensation, although we know that 9/11 produced a slew of claims . No, this is a brief post to share my 9/11 tribute song recorded on 28 September 2011 at one of the three greatest small concert halls in American -...
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    Managed Care Matters

  • Friday catch-up

    Joe Paduda
    19 Sep 2014 | 9:26 am
    Today most of the news is about PPACA enrollment, prices, and issues related thereto. First up, paid enrollment as of mid-August was about 7.3 million via the Exchanges. That’s a pretty big number, and substantially above initial goals (and below the President’s late spring estimate). To be fair, the President’ estimate was for those that signed up, not those who paid, and as those of us who’ve been in the insurance business know all too well, there are always enrollees who don’t pay their initial premiums.  A 9 percent non-pay is pretty good, actually. Among…
  • It’s the diagnosis…

    Joe Paduda
    17 Sep 2014 | 5:25 am
    If the diagnosis isn’t right, there’s a pretty good chance the treatment won’t be right. A while back I had an interesting conversation with folks from Best Doctors about this issue, and they provided some interesting statistics about the incidence of misdiagnosis. The American Journal of Medicine reported that at least 15% of all medical cases in developed countries are misdiagnosed. Even doctors are not immune to misdiagnosis:  According to The New England Journal of Medicine, 35% of doctors have reported errors in their own care or that of a family member. A July…
  • Medicare Set-Asides and Workers’ Comp

    Joe Paduda
    16 Sep 2014 | 4:27 am
    I’m gingerly stepping into a topic I’ve mostly avoided to date – MSAs.  I avoid it because it is mind-numbingly complex, seemingly illogical in application, and served by often-contentious vendors. NCCI’s Barry Lipton et al just released an excellent synopsis of the MSA situation (opens .pdf) and summary of where things are today. The report focuses on the feds’ review process, wherein they examine payers’ proposed MSAs.  Based on an analysis of data submitted by Gould and Lamb and NCCI’s Medical Call database, a few of the Research…
  • Friday catch-up

    Joe Paduda
    12 Sep 2014 | 4:39 am
    Today’s catch-up is pretty workers’ comp-centric.  Lots going on, so here we go. The ACOG (APAX-Coventry-OneCall-Genex) conglomeration continues.  A couple of items of note; APAX is out recruiting several execs to add depth and experience to the senior management ranks.  They are looking for case management pros, and word is at least one former Coventry exec is being targeted for a return. On the Coventry network side, a well-informed source indicates a couple hospital providers in TN and GA recently renegotiated a new contract with Aetna……and with a significant…
  • Back to work edition of Health Wonk Review

    Joe Paduda
    11 Sep 2014 | 5:05 am
    is up for your reading pleasure at the Health Business Blog.  David Williams has selected the best of the last month’s posts on reform implementation, cost control, and various and sundry other topics to give you a quick take on all things health policy related.
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    Insurance Industry Blog

  • Loss Trend Factors Unearthed

    19 Sep 2014 | 7:18 am
    I.I.I. chief actuary James Lynch digs into the data in an informative piece on loss trend factors: Actuaries can be buggy about numbers, to say the least, and my article in this month’s Actuarial Review – a publication of the Casualty Actuarial Society (CAS) - looks at a couple of sources of loss trends that can act as useful benchmarks. One looks at workers compensation medical costs in 25 states. It is produced by the Workers Compensation Research Institute (WCRI), an organization I work closely with in my role as I.I.I. chief actuary. The other looks at comp loss trends plus those of…
  • Report: Companies Uncertain of How Much Cyber Coverage to Buy

    17 Sep 2014 | 4:33 am
    The recent disclosure of a major data breach at retailer Home Depot has once again put the spotlight on the increasing vulnerability of businesses to cyber threats and the need for cyber insurance. But companies are uncertain of how much insurance coverage to acquire and whether their current policies provide them with protection, according to a new report by Guy Carpenter. It speculates that one of the roots of the uncertainty stems from the difficulty in quantifying potential losses because of the dearth of historical data for actuaries and underwriters to model cyber-related losses.
  • I.I.I. Report: Actuarially Sound Rates Key To Residual Property Market

    12 Sep 2014 | 5:50 am
    Just in time for the peak of hurricane season, our updated paper on the residual property market is hot off the press. At first glance the numbers on the property insurance provided by the nation’s FAIR and Beach and Windstorm plans indicate that attempts by certain states to reduce the size of their plans appear to be paying off. As you’ll see, the exposure value of the residual property market in hurricane-exposed states has declined significantly from the peak levels seen in 2011. In fact between 2011 and 2013, total exposure to loss in the plans fell by almost 30 percent – from $885…
  • MarketScout: Soft Market Beckons

    10 Sep 2014 | 4:26 am
    While the composite rate for U.S. commercial property and casualty insurance remains positive, at plus 1 percent in August, it is closing in on flat or no increases and rate reductions are coming, according to online insurance exchange MarketScout. Richard Kerr, CEO of MarketScout commented: Insurers really don’t want to enter another era of rate declines; but in order to hold business, most of the market is being forced to moderate pricing. If this trend continues, we should see annual rate declines very soon.” The key takeaways from MarketScout’s latest analysis: – Property…
  • Insurers Making Headway On Opioid Abuse Problem

    4 Sep 2014 | 6:37 am
    I.I.I. chief actuary James Lynch brings us a grim story on drug abuse and how it affects insurers: This week Contingencies magazine published my article tracing how America’s latest drug epidemic has affected workers compensation insurance. The epidemic comes from 20 years of gradually increasing use (and abuse) of opioids, a special class of prescription drugs that mimic many of the effects of heroin. Some you may have heard of, like Vicodin or OxyContin. Prescribed legally but highly addictive, they have become the most commonly abused class of drugs in America. More people die from drug…
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    Dental Insurance Trends

  • Poll Finds Teens Could Brush Up on Flossing
    17 Sep 2014 | 6:39 am
    By Jenifer Dorsey A recent Gallup Youth Survey asked teens about their oral hygiene habits, and the findings were mixed. The majority of teens said they brushed at least twice a day and saw a dentist annually, while very few flossed regularly.   When asked, on average, how many times a day they brushed their teeth, teens age 13 through 17, 64 percent said they brushed twice a day or more.[1]   When asked, how often, if ever, they flossed between their teeth in a typical week, 13 percent said they flossed once a day or more. However, slightly more (15 percent) confessed to never…
  • Does Dental Insurance Cover Braces?
    3 Sep 2014 | 6:50 am
    On average, braces cost $5,000 to $6,000.[1] For most families, that is no small expense. Paying for braces can be a real financial strain and a source of stress for those who realize their children will eventually need orthodontic treatment to correct a bad bite. Whether or not dental insurance covers braces and other orthodontic services varies. Many dental plans do not include benefits for orthodontic services, including braces. Plans that do include benefits for braces will typically only cover a small percentage for children under 18 and not adults. Of course, every little bit helps.
  • Covered California Adds Family Dental Plans. Will All Obamacare Exchanges Sell Dental in 2015?
    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
    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 or 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
    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…
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    Go Health Insurance Blog

  • Healthy Habits to Teach Your Kids

    18 Sep 2014 | 8:52 am
    Parenting isn’t easy. According to the U.S. Department of Agriculture, the future cost to raise a child born in 2013 through the age of 18 is just over $245,000. But it doesn’t stop at financial assistance; it’s also important to be a healthy role model for your kids, because let’s face it: Justin Bieber is not the best example of how to live a young, healthy life. So here are a few healthy ways you can help influence your little ones for the better. Variety is the Spice of Life There really is no such thing as good vs. bad foods, so there’s no reason to completely cut out…
  • GoHealth Employee Spotlight: Alex Tomala

    16 Sep 2014 | 10:11 am
    At GoHealth, we like to showcase the incredible people who make our company thrive each and every day. We’d like to introduce you to GoHealth’s newest Employee Spotlight, Alex Tomala! What is your role at GoHealth? Software Engineer How long have you been here? About 4 months. What excited you about working at GoHealth? Everyone I interviewed with seemed very excited to work with new technologies, and the collaborative culture has definitely helped improve my coding ability and style already. What has been your favorite part of working at GoHealth? The people at GoHealth make…
  • Three Steps to Save More Money on Health Care

    15 Sep 2014 | 1:30 pm
    We all like to save money, and when it comes to medical expenses, costs can add up quickly. Taking an active role in your health care and medical coverage can lead to significant savings on out-of-pocket costs. Follow these three steps to keep more money in your wallet. Apply for Cost-Sharing Reductions Saving money on out-of-pocket costs starts when you enroll. Make sure you are shopping for coverage with an organization, like GoHealth, that is approved by the government to determine your eligibility for lower costs coverage, because you may qualify for Cost-Sharing Reductions. CSRs were…
  • GoHealth is Nominated for a Momentum Award!

    12 Sep 2014 | 9:00 am
    GoHealth is excited to be nominated for a 2014 Momentum Award! The Seventh Annual Momentum Awards Dinner, which will take place on October 9, 2014 at the Radisson Blu Hotel in Chicago, is hosted to showcase the six nominees, and then once the winner is announced, to celebrate the top company that significantly contributes to the city’s economy. GoHealth has been recognized as a semi-finalist that develops Web-based sales and online insurance marketing tools for the health insurance industry. The winner will be crowned by the hosts at the awards dinner. The Momentum Awards Dinner is produced…
  • Chicago UX Book Club Hosted by GoHealth

    12 Sep 2014 | 8:14 am
    On Wednesday, August 27, GoHealth welcomed Chicago UX Book Club, a group of user experience enthusiasts that enjoy gathering monthly to discuss books dedicated to the field.  For August, the group discussed author Sam Ladner’s book, Practical Ethnography: A Guide to Doing Ethnography in the Private Sector. Book club members meet at the GoHealth offices. Those in attendance benefited from an intimate discussion on how ethnography can be incorporated in the private sector to better solve consumer problems, as well as the challenges that researchers can face in the process. The group members…
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  • Seven Corners Travel Insurance

    27 Aug 2014 | 2:07 pm
    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 Out of the U.S. Best for students who are traveling outside of their home country and engaged in full time…
  • Seven Corners Liaison Travel Medical Plans

    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

    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

    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

    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

  • All Ireland Football Final – a Refs View

    David Coldrick
    18 Sep 2014 | 3:40 am
    Another Gaelic football season reaches its climax this weekend. It’s a huge occasion for both sets of players, mentors and supporters. It’s no less an occasion for the match referee and his team. For anyone interested in how the referee is chosen for the biggest match of the year, the competition really starts at the quarter final stage of the championship! In recent years the All Ireland final referee has tended to be one of the quarter final referees so if you aren’t “lucky” enough to get a quarter final appointment, you pretty much know that you’re out…
  • IPhone6? How about Windows Phone 8.1?

    Gerard Coughlan
    11 Sep 2014 | 9:55 am
    With a fresh round of Apple hype about to emerge and fill up the Internet I thought that rather than fawn like a fanboy over the latest instalment of Apple bliss, I would extol the virtues of the latest version of Windows Phone 8. It may not be as trendy and it won’t gain you hordes of new friends, but it is very solid and a much cheaper alternative to Apple**. There are some excellent handsets to choose from – check out Nokia Lumia 930 or HTC 8X.  Alongside this, the features and capabilities have improved a lot with the biggest set of improvements released in July and currently…
  • 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…
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  • 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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  • Hassle-Free Car Buying for Union Families

    20 Sep 2014 | 6:00 am
    When you need a new car, truck or SUV and every dollar counts, it's time to use the Union Plus Auto Buying Service through TrueCar, our program partner.Get upfront pricing in three minutes online from dealers right in your area.
  • Election Day Is Nov. 4. Are You Ready?

    19 Sep 2014 | 9:00 am
    Election Day is quickly approaching—it's Nov. 4 this year, and we face a pretty big choice between a Congress that continues to obstruct any national progress and has already signaled they want to shut the government down again and one that will actually try to help working people, create jobs and grow economic opportunity for all, not just the wealthy and corporations. Make sure you have what you need on Election Day and visit 
  • Here’s What We’re Reading: Friday News Roundup

    19 Sep 2014 | 6:25 am
    Here are some headlines from the working families’ news we're reading today (after the jump).
  • U.S. Government Takes Historic Action to Enforce Labor Rules in Trade Agreement with Guatemala

    18 Sep 2014 | 12:00 pm
    Today, for the first time ever, the U.S. government announced that it will begin the formal consultations that are used to resolve trade disputes in the area of labor rights enforcement. The United States Trade Representative (USTR) announced that it will finally move forward to arbitration in the long-running dispute with the government of Guatemala regarding whether or not Guatemala is meeting the labor commitments of the Dominican Republic-Central American Free Trade Agreement (DR-CAFTA or CAFTA). In announcing the decision, the USTR stated that the goal is to…
  • Workers Make OSHA Complaint About Unsafe Scott Walker Ad

    18 Sep 2014 | 9:00 am
    In Wisconsin Gov. Scott Walker’s latest ad, he is seen standing in a big hole. What some people might not realize is the unsafe example Walker is setting for workers in this field. Jeff Kaminski, president of the United Steelworkers (USW) Local 2006, representing workers at investor-owned utilities in the state, made an official complaint with the Occupational Safety and Health Administration and called for the commercial to be pulled from the air. Says Kaminski:
  • add this feed to my.Alltop | P/C insurance

  • Anthony Kim might cash in $10 million insurance policy if he doesn’t return to PGA Tour

    IFAwebnews Staff
    19 Sep 2014 | 7:20 am
    Anthony Kim hasn’t played on the PGA Tour since 2012, and he has 10 million reasons to never come back. The former Ryder Cup sensation and up-and-coming Tour player has a reported insurance policy that will pay him at least $10 million — tax-free — if he’s unable to return to the Tour due to a career-ending injury. The revelation was made in a Sports Illustrated profile on the 29-year-old that tries to explain where he’s been and why he’s — apparently — not coming back to the sport. Kim was known for his elaborate belt buckles as much as his aggressive, fearless play. Sports…
  • Calif.’s Gov. Brown signs compromise bill to close insurance gaps, calls for greater oversight of ridsharing industry

    IFAwebnews Staff
    19 Sep 2014 | 7:12 am
    California Gov. Jerry Brown signed a compromise bill that closes insurance gaps and calls for greater oversight of California’s burgeoning ridsharing industry. On the same day, Uber, the industry’s largest firm, announced major hiring plans focused on military service members. Just weeks ago, ride service firms decried the bill as ‘the end of ridesharing in California,’ citing what they called an exorbitant $1 million policy they’d have to carry for their drivers when riders were not in the car. Negotiations at the Capitol this summer, however, significantly lowered the insurance…
  • Integro hires middle-market specialists in NY

    IFAwebnews Staff
    17 Sep 2014 | 8:33 am
    International insurance brokerage and risk management firm Integro Insurance Brokers announced the bolstering of its middle market presence with the addition of two experienced brokers: Anne Webb, a Managing Principal, and Keren von Schmidt, a Principal, who will be based in the New York Office. Webb joins Integro from Wells Fargo Insurance Services where she had been a senior sales executive in business development. Her experience covers a broad spectrum of industries across the Middle Market and Risk Management segments, including manufacturing, technology, cultural institutions,…
  • Detroit, New York most expensive for auto insurance; Charlotte, Cleveland, Pittsburgh cheapest

    IFAwebnews Staff
    17 Sep 2014 | 8:26 am
    Detroit has the most expensive car insurance and Charlotte has the cheapest, according to a new report from Bankrate Insurance subsidiary The study examined average premiums in the 25 largest U.S. metropolitan areas. Laura Adams In the Detroit metro area, drivers pay a whopping 165% more than the national average for car insurance. The next most expensive metros are New York City (36% more than the national average), Miami (+34%) and Los Angeles (+25%). “One of the main reasons why car insurance is so expensive in the Detroit area is because Michigan is the only…
  • New risks and stronger economic growth will drive liability claims costs: Swiss Re

    IFAwebnews Staff
    17 Sep 2014 | 7:34 am
    Liability claims have been lower-than-expected in recent years, boosting insurers’ profitability despite declining liability prices, according to Swiss Re’s latest sigma study “Liability claims trends: emerging risks and rebounding drivers”. The weak economic growth environment has been a key reason for benign claims, according to Swiss Re. However, new risks and stronger economic growth will increase claims severity and generate more demand for liability insurance. New risks emerging A number of technological, social, and regulatory changes will drive liability claims…
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    Insure Life Surpasses Your Expectations

  • Benefits Realization for Life Insurance

    14 Sep 2014 | 8:09 am
    Life insurance can provide many benefits to multiple stakeholders, including the policy insured and beneficiaries.  To achieve the desired level of benefits from a life insurance plan, it is important to implement a Benefits Realization plan.  A Benefits Realization plan helps ensure that the expected benefits are known, the potential issues and risks that may impact the plan are accounted for, and the policy is proactively managed to help ensure the expected benefits are achieved.Life insurance is purchased for a variety of reasons, and the purpose varies by product type. …
  • 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…
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    Insurance Forum

  • Commissions ?

    20 Sep 2014 | 7:39 pm
    Please help me understand this. If I use XXX Insurance marketing and they get me contracted with XXX Carrier and they say my commission is 115% lets say I sell a plan to Mr XXX and he will be paying $90 a month What would I get out of this? How does my upline XXX Insurance marketing make money on the deal? The reason I ask is I'm still undecided what FMO I'm going with. I think I would be better off If someone was holding my hand, which is why I was looking for an actual brick & mortar FMO in my local area. Anyway I found this so called company not so far from me. I spoke with the mana
  • What's the Latest with NAA?

    20 Sep 2014 | 5:12 pm
    So I got a call from a buddy of mine from my NAA days and he filled me in on some major changes over there. Many of you probably already know this but earlier this year NAA had a major shake up internally and some of the top guys split and started their own gig called FFL. He said it was something about a house of cards tore thing. Anyone else got any details on this?
  • Im in Oregon N Looking to Start a P&c Agency. N Looking for Advice/ Ins Management Company

    20 Sep 2014 | 2:41 pm
    Well I have worked as a CSR for 5 yrs 2 with amfa n 3 with farmers. I basically ran both offices when I was there n now I'm thinking of starting my own agency. My license expired 2yrs ago because I got pregnant n quite to do the mommy thing. Hubby has an office in a great location n he does outside sales. I basically have all the basics but don't know where to start. Besides getting license again which is what I'm working on now.
  • Hot Sports Opinion on FMO's/IMO's

    20 Sep 2014 | 10:01 am
    First, let me start with a fact and not an opinion...I am an experienced agent and FMO's bring absolutely no value to my business whatsoever. It is infuriating to me that I am not able to get directly contracted with carriers to get maximum payout. Why should some jackass get an override on my business? So here is the opinion...carriers should allow any agent with 10+ years experience the ability to contract directly and start at max comp. If you are an FMO/IMO please don't respond with the value added garbage you bring to the table...product knowledge, marketing, leads, trips...that is
  • Insurance Claim Offer

    20 Sep 2014 | 9:57 am
    When my claim was first submitted the Insurance Company offered me verbally to pay half of damages. I was told this was the maximum that they would pay, so I felt I had no option but to agree to their unfair and unrealistic offer. Otherwise I figured they would deny paying anything. I never felt their offer was fair, but was tricked into accepting it by being told that was all they would pay. (It would take too long to mention all details) There has not been any written agreement to this offer, only verbal. At this point it is only an offer. My questions are, can I still dispute this off
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    The Insurance.

  • ประกันภัยรถยนต์ กับความคุ้มค่าที่คุณจะได้มา

    18 Sep 2014 | 11:56 pm
    ก่อนที่เราจะเลือกสินค้าบริการอะไรซักอย่างให้กับตัวเราเอง เราคงต้องคิดถึงการได้มาซึ่งสิ่งที่คุ้มค่าที่สุด ก็ไม่ต่างอะไรกับ…
  • ประกันรถยนต์ ทำไมต้องเริ่มทำก่อนที่จะสาย

    14 Sep 2014 | 11:34 pm
    สำหรับครอบครัวในปัจจุบันนั้น การมีรถยนต์อย่างน้อยบ้านละ1คัน กลายเป็นเรื่องแล้ว แต่ในทางตรงกันข้าม ความเสี่ยงและปัญหาบนท้องถนนในเมืองไทยกลับเพิ่งขึ้นอีกหลายเท่าตัว จากหลายสาเหตุไม่ว่าจะเป็น…
  • ซื้อประกันภัยรถยนต์ จากบริษัทดังมันดีกว่ายังไง

    10 Sep 2014 | 10:32 pm
    เมื่อเราเลือก ซื้อ เราต้องการซื้อความคุ้มครอง ความอุ่นใจเมื่อนำรถสุดรักออกมาใช้ขับขี่ในชีวิตประจำวัน อุตส่าห์เก็บหอมรอมริบ เลือดตาแทบกระเด็นทำงานหาเงินมาซื้อรถคันงามๆมาใช้งาน (เพราะจำเป็นหรอก)…
  • ประกันชั้น 1 ความคุ้มครองและการเคลม

    5 Sep 2014 | 1:43 am
    มีหลายประเภทด้วยกัน ประกันรถยนต์ชั้น 1 หรือ ประกันชั้น 1 กำหนดให้มีความคุ้มครองครอบคลุมมากที่สุดในทุกประเภท โดยคุณจะได้รับความคุ้มครองเป็นค่าสินไหมสำหรับค่าเสียหายต่อรถยนต์คันเอาประกัน…
  • ประกันภัยราคาถูก หาได้ง่ายๆ ใกล้ๆ คุณ

    14 Apr 2014 | 4:08 am
    7 วิธีง่ายๆ ในการได้ มาฝากกัน    1 1: 20% 2: 2 30% 3: 3 40% 4: 4 50% * 2 ปรับเปลี่ยนรูปแบบความคุ้มครอง: หากคุณซื้อความคุ้มครองมากเกิน หรือคิดว่าความคุ้มครองรับผิดชอบบางส่วนนั้นไม่มีความจำเป็น…
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  • Most Popular Auto Insurance Discounts

    16 Sep 2014 | 9:26 am
    There is no way around paying your monthly insurance premiums, but if you know the right questions to ask—you may be able to save a significant amount of money. Here’s ten auto insurance discounts you want to know about. #1. Bundle Discounts If you purchase your auto, life, home, renters, boat, or motorcycle insurance coverage from the same insurance provider—you are likely to receive a bundle discount. Even if you only require 2 types of insurance, or insure more than one car the bundle discount often applies. Check with your insurer and prospective insurers to see what bundle…
  • Do You Need Insurance on a Seasonal Car?

    9 Sep 2014 | 6:43 am
    If you own a convertible, classic car, motorcycle, or other vehicle that is unused for lengthy periods—you may be wondering if you need to maintain year-round insurance. The information below will help you to understand your options, as well as the risks associated with maintaining coverage only during your primary driving season. Consider The Risks Of A Parked Vehicle Although your car or motorcycle will be parked during the off-season, there are still a number of incidents that can occur—which would require coverage. This includes a tree falling on your car, theft, vandalism, or fire.
  • How to Save Hundreds on Your Teen’s Auto Insurance

    3 Sep 2014 | 11:13 am
    It is an exciting time when a teenager obtains their driver’s license and starts driving. The ability to drive provides your teen with more responsibility, and can free up some of your time as a parent when it comes to driving them to and from their school, extracurricular and social activities. That being said, you may be stressed out about the additional monthly expense of your teen’s driving—but the tips below can help you to save hundreds per year on your teen’s auto insurance. Tip #1 Shop Around Even if you have been with the same auto insurance company for years, they…
  • 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…
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    Kanetix Finance

  • First Time Home Buyer, 8 First Time Home Expenses

    18 Sep 2014 | 10:00 pm
    8 first time home expenses, new home owners may not know to expect in the first year of home ownership. See what the first home expenses are.
  • In Search Of The Cheapest Flights

    16 Sep 2014 | 10:00 pm
    13 travel tips to help you in your search for the cheapest flights; from last minute flights to when is best to take flight, these tips will help you in your quest to find a cheap flight.
  • 15 Canadian Snowbird Travel Tips

    15 Sep 2014 | 10:00 pm
    Snowbird travel tips to help you get ready to escape the wrath of Canadian winters; from border wait times to travel insurance, car and home insurance needs, this handy top 15 snowbird travel tips is a timesaver.
  • Least Popular Cars In Canada

    9 Sep 2014 | 10:00 pm
    Top 10 least popular cars in Canada based on car insurance quotes at; these aren't necessarily the worst cars ever, just the least popular ones: luxury car brands and more. Find out which cars are listed.
  • Could Tech Help Prevent Fatigue While Driving?

    7 Sep 2014 | 10:00 pm
    Driver fatigue plays a role in 20 per cent of fatal collisions in the country. Here's how innovative technology is helping drivers remain alert on the road.
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    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • Does Your College Student Need Insurance?

    Wayne Mccormick
    17 Sep 2014 | 10:00 am
    Special Insurance for College Bound Students Your college student is heading off to college; you worry about many things including their safety. We want to help you provide a safe experience for your college student. One of the most important things your student will need at school is something that doesn’t have to be packed at all – the right San Diego personal insurance or auto insurance coverage. Is Your Student Renting a Home or Apartment? If your child is renting a home or apartment with others, you may want to consider a renters policy. The concern is that roommates can create…
  • Test Your Personal Insurance IQ

    Wayne Mccormick
    3 Sep 2014 | 9:05 am
    Personal Insurance McCormick Insurance Solutions is committed to educating your clients on San Diego personal insurance including auto, home, boat, motorcycle and RV coverage. We know that if you are educated about your insurance needs and understand what you are purchasing, you will make an informed decision. Home and auto insurance can be confusing and unlike some advertisements for the mega firms, we take more than seven minutes to design and shop your coverage. Personal Insurance IQ Test 1. Is my $3,000 diamond ring covered under my homeowner’s policy?2. Flood insurance is not provided…
  • 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…
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    Property Casualty Insurance Blog

  • Personal and commercial insurance agents can’t ignore data and analytics forever

    Steve Di Peri
    18 Sep 2014 | 6:25 am
    As an agent handling personal and small commercial lines, perhaps you’re reluctant to invest in advanced data and analytics. More than likely, you’ve done well without those tools. But you could be doing a lot better. Data and analytics can help your agency identify new markets and target potential customers within those markets — and that drives producer efficiency while providing an opportunity to write business with higher profit margins. But don’t take it from me. A 2013 McKinsey & Company report on the future of the independent agent distribution channel predicts a…
  • Seismic changes in commercial real estate transactions

    Narendra Srivatsa
    17 Sep 2014 | 12:09 pm
    So many things come together at Verisk. That thought occurred to me as I read Ralph Dorio’s blog post (Hard lessons from the Napa, California, earthquake) about the AIR Worldwide ALERT™ regarding the recent earthquake. The Alert prompted him to write about the ISO Community Hazard Mitigation Building Code Effectiveness Grading Schedule (BCEGS) program, which evaluates building codes and code enforcement throughout the United States. The BCEGS grading system encourages communities to adopt better codes and code enforcement, which can help prevent damage due to earthquakes, wind, and other…
  • Not quite the anniversary you had in mind

    Zack Schmiesing
    17 Sep 2014 | 7:47 am
    Marking a 25th anniversary in the rolling hills of Northern California wine country sounds appealing — unless you commemorate that event with a 6.0-plus magnitude earthquake. On August 24, one hit north of San Pablo Bay in the Napa Valley region, eerily close in timing to the 25th anniversary of the 6.9 magnitude Loma Prieta earthquake that shook San Francisco during the 1989 World Series. Commercial real estate professionals and property insurers quickly recalled the devastation from that quake: $1.8 billion in inflation-adjusted insured damage. The Loma Prieta quake was followed five…
  • Water For People

    Anthony Zampella
    16 Sep 2014 | 1:25 pm
    This past August, I had the rare opportunity to combine work, fitness, and charitable support — not a bad trifecta. It happened when I attended the 2014 Tri-Association Conference held in Ocean City, Maryland. This is a joint conference of the Chesapeake section of the American Water Works Association (AWWA), the Chesapeake Water Environment Association (CWEA), and the Water and Waste Operators Association of Maryland, Delaware and District of Columbia (WWOA). In addition to representing ISO at the conference, I participated in a 5K run to support Water For People. Water For People is an…
  • Medical Identity Theft Becoming Lucrative Cyber Crime

    Shawn Dougherty
    15 Sep 2014 | 7:03 am
    The big data breaches in the news today often focus on the theft of personally identifiable information (PII), such as names, addresses, and credit card numbers. But it’s another kind of confidential data, protected health information (PHI), including medical records and health insurance numbers, that’s quickly becoming the target of choice for cyber criminals. Just think about what health insurance pays for today. Doctor visits, prescription drugs, surgeries, and medical devices are the basics and can quickly add up as part of medical identity fraud. Those hackers that don’t want to…
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    Life Insurance Insights

  • Leadership Part 4

    11 Sep 2014 | 10:00 am
    Concluding the elements that go into Presence in a leader. Succinctness Don’t you wish this was a trait that all of our leaders possessed?  Wouldn’t it be great to turn on “Meet the Press” one Sunday morning and actually have a politician answer a question with a simple “Yes” or “No” when that is all that is called for?   But that seldom happens with politicians. They go on and on and on and in the end very often don’t answer the question that was asked. Leaders in business do a much better job at being succinct than do politicians.  But many striving for leadership in…
  • Leadership Part 3

    9 Sep 2014 | 10:00 am
    Continuing with the elements of Presence found in a leader. Eye Contact This hardly seems like a topic that requires comment.  When you meet someone, when you’re talking to them, look them in the eye.  Simple enough.  But that’s not always what happens. A few years ago I was conducting a class at a local high school on how to present yourself in a job interview.  This wasn’t your everyday high school.  It was an Alternative High School that catered to young people who had special challenges in keeping to a regular school schedule.  Gangs often had a major influence on their lives.
  • Leadership Part 2

    4 Sep 2014 | 10:00 am
    In my last entry I discussed Presence as one of the elements of leadership.  Now, I’ll cover the elements of Presence. Vision Leaders are often visionaries.  They think outside of the box.  A discussion with a visionary will take you on a journey to unknown places.  Visionaries are dreamers so their concepts are not always practical.  With those around them going in another direction, they often conjure up visions in their minds that change the direction of events.  Without visionaries we would live in a very predictable, dull place and there would be far fewer home runs.  Just being…
  • Leadership

    2 Sep 2014 | 10:08 am
    During my life I have held several leadership rolls.  I have also had the privilege of working with and for many leaders.  Some of them have been very effective; some less so. My observations in the following several entries come from the leaders I have known and what I have learned from my own experiences as a leader. Who wants to be a leader? There are probably times when you will want to lead…when you will want others to follow you.  If you don’t use leadership to get them to follow, about all that’s left are threats, intimidation and bribes.  These tactics are not substitutes…
  • Social Security Planning Tips

    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…
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    SelectNews Blog

  • Do Married People Live Longer?

    18 Sep 2014 | 10:00 am
    While ultimately the answer is “yes” – what are the contributing factors that lead to a longer life for married couples? Marriage can provide many physical and mental benefits over a lifetime in the right circumstances. Simply getting married doesn’t instantly add an extra 15 or 20 years of life to one’s biological countdown timer. Saying “I do” doesn’t immediately reduce one’s risk of heart attack, stroke, cancer, or other serious illnesses. And, wearing that shiny new ring doesn’t automatically mean you can eat more and not gain weight. So, knowing that marriage…
  • Creatively Pushing Buttons

    11 Sep 2014 | 9:00 am
    You’ve seen it play out at least a dozen times – you’re waiting at the doctor’s office or in the checkout line with a parent who’s battling a bored child. The child starts whining, asking for candy or pop, making annoying noises, or getting into areas that are off-limits. Suddenly, the parent hands over a cell phone or tablet, and the previously energetic child because a zombie tapping the screen. There’s no denying that electronic devices can give parents a much-needed break, but that break comes at a cost. Our culture’s reliance on technology has negatively affected both…
  • Retirement 101

    4 Sep 2014 | 10:00 am
    You’ve worked hard all your life, and retirement’s the time to cash in, to fill your days with vacations, relaxation, grandkids, friends, and fun. But if you don’t have enough money to fund the kind of retirement that you’re envisioning, you could find yourself working just to make ends meet. Whether you’re 25 or 65, taking the time to calculate and plan how much you will need for a comfortable retirement can ensure you make the most out of those golden years. Calculate How Much You’ll Need According to the Department of Labor, you’ll probably need between 70 and 90 percent of…
  • Payment Due On

    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

    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…
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    Shift Insurance Blog

  • Moving to California? Here's What You Need to Know About Car Insurance

    12 Sep 2014 | 4:07 pm
    If you're getting ready to move to California, you've probably got a million things to worry about.  We don't want to stress you out, but new car insurance needs to be right at the top of your to-do list.  But in an effort to make things as easy as possible on you, we've narrowed down all of the information you need into five easy-to-read sections: 1.  You're required to have certain kinds of car insurance If you plan on driving your car around the Golden State, you're going to need a few different types of car insurance.  Specifically, California law requires every driver…
  • 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…
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    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • Interesting Insurance Stories Hitting the Headlines

    15 Sep 2014 | 6:18 am
    Despite the fact the summer is the slowest season for news we’ve got some great stories; from the dangers of driving when pregnant to the dangers of telling little white lies. Study Shows How Pregnancy Can Affect Your Driving Pregnant women already have enough on their plates getting to grips with what they can and can’t do while expecting, and a new study has just added ‘driving’ to the banned list. The survey looked at car crash data from 500,000 Canadian mothers for a period of four years before birth and one year after birth. The data revealed that crashes rose by 42% during the…
  • Why Switching Home Insurance Has Never Been Easier

    11 Sep 2014 | 8:50 am
    At Quoteline Direct we have long bemoaned the fact that some mortgage lenders charge their customers to switch home insurance providers. Surely anyone who’s been given a mortgage has already been judged financially responsible by their bank or building society; so why can’t they choose their own home insurance provider without being penalised? The good news is that at Quoteline Direct we make it easy to switch to a better home insurance deal by guaranteeing savings of at least 10% on your premium, and hopefully a whole lot more. It’s difficult to think of any good reasons for the fees;…
  • What is the EHIC and why do I still need Travel Insurance?

    5 Sep 2014 | 8:24 am
    The European Health Insurance Card (EHIC) allows UK residents to access free or reduced medical care in European Economic Area countries. Terms vary from country to country, but most provide treatment for chronic medical conditions, accidents and illness. The EHIC is designed to provide emergency healthcare for people who fall ill abroad, meaning ‘health tourists’ will be out of luck and any ‘non essential’ treatment will have to wait until you get home. Which countries are covered? The EHIC provides cover across the European Economic Area, which comprises the 28 countries of the…
  • Accidental Damage Insurance FAQ

    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?

    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…
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    Insurance for Realtors and Real Estate Brokers

  • Thirty Percent of House Disappears after Purchase

    4 Sep 2014 | 6:38 am
    Chinese Millionaire Hiroshi Horiike just lost 5,566 square feet from his California Tuscan-style mansion.  After looking at more than 80 estates, Horiike settled on a 4 bedroom Malibu home with a reported 15,000 square feet of living space.  However, after purchasing the home, he discovered that the actual living area was only 9,434 square feet.  The 15,000 sq. ft. was confirmed by the seller’s brochure as well as his agent representing him on the purchase. Horiike paid cash for the $12.5M home, making an appraisal unnecessary.  He also did not order a measurement when he had the…
  • Real Estate Firm Settles Trademark Lawsuit

    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

    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

    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

    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…
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    The Esurance Blog

  • Families, Foodies, and Football Fans Rejoice: Esurance Homeowners Insurance Is Now in Nebraska

    Ellen Hall
    19 Sep 2014 | 10:36 am
    Affordable housing, innovative food, and Huskers football are all great reasons to live in Nebraska. Here’s one more: Esurance homeowners coverage! The post Families, Foodies, and Football Fans Rejoice: Esurance Homeowners Insurance Is Now in Nebraska appeared first on The Esurance Blog.
  • Real Estate Trends: Why Are America’s Homebuyers Flocking to Smaller Cities?

    Ellen Hall
    17 Sep 2014 | 5:00 am
    Would you move cross-country for a more affordable house? If you said yes, you’re not alone. Find out about the latest real estate trend. The post Real Estate Trends: Why Are America’s Homebuyers Flocking to Smaller Cities? appeared first on The Esurance Blog.
  • 7 Must-Read Tips for Earthquake Preparedness

    Ellen Hall
    15 Sep 2014 | 11:06 am
    An earthquake can strike at any time. Here are 7 important ways to get ready for the next one. The post 7 Must-Read Tips for Earthquake Preparedness appeared first on The Esurance Blog.
  • 3 Things You Can Do Today to Save on Car Insurance

    Rachael Heller
    12 Sep 2014 | 9:18 am
    It’s a delicate balance between safety and economy. Check out these 3 steps for saving money on car insurance while adding some balance to your world. The post 3 Things You Can Do Today to Save on Car Insurance appeared first on The Esurance Blog.
  • The Safest Cars for Teens

    Rachael Heller
    10 Sep 2014 | 5:00 am
    Buying your teen their first car is an exciting, albeit nerve-racking, step toward independence. Learn about the safest cars for teens and make the most informed purchase possible. The post The Safest Cars for Teens appeared first on The Esurance Blog.
  • add this feed to my.Alltop Blog on Health Insurance

  • Seasonal In-FLU-enza: What you need to know

    17 Sep 2014 | 4:05 pm
    Temperatures are changing as the seasons change in more ways than one. Chilly weather means flu season with one of its common symptoms being a high fever.  Flu season is unpredictable, with severity, timing, and length of season being just a few of its unreliable factors. With this being said, you can never be too prepared. Vaccinations, as well as washing your hands and practicing other preventative techniques are important in order to keep you and everyone around healthy! When is the appropriate time of year to get vaccinated?Vaccines are available as early as October, and continue…
  • 3 Reasons You Might Rethink Health Insurance Auto Renewal for 2015

    17 Sep 2014 | 12:55 pm
    Health insurance plans purchased through the 36 federally facilitated health insurance exchanges will automatically renew for 2015, as will income-based premium tax credits and cost-sharing subsidies, federal officials announced June 26, 2014.1 This decision may be intended to make the application and enrollment process easier on consumers and come 2015 open enrollment, but it is not the wisest move for all. You can still shop for and enroll in different coverage, even if your health insurance plan is set to automatically renew. As a matter of fact, in a press release…
  • What if I Prefer My Non-Compliant Health Insurance Plan?

    16 Sep 2014 | 6:20 am
    President Obama promised that people who liked their health insurance plans could keep their health insurance plans. However, when the state-based and federally facilitated health insurance exchanges opened Oct. 1, 2013, Americans began to realize this might not truly be the case. When plan cancelation notices began to appear, many were frustrated to learn they would have to buy new ACA-compliant health insurance coverage for 2014. In response, the Obama administration allowed an exemption in 2014 for those who wanted to keep their current health insurance plans—compliant or not. …
  • The Start of the School Year: the Perfect Time for a Dental Check-Up

    11 Sep 2014 | 8:40 am
    With school back in full swing, it is a great time to set up teeth cleanings for children. Children should be visiting the dentist for a routine check-up every six months, starting after the first tooth comes in, according to The American Academy of Pediatric Dentistry (AAPA).1 Routine check-ups prevent tooth decay, which is the single most common childhood disease in the United States, according to The Center for Disease Control and Prevention.2 Making sure to stay on top of these visits is essential to preparing your child for their future to ensure good hygiene habits. Educating your…
  • Eradicating Childhood Cancer – September is Childhood Cancer Awareness Month

    9 Sep 2014 | 6:40 am
    Summer is coming to an end, which means not only has school started for children, it also means Childhood Cancer Awareness month has arrived. According to the American Childhood Cancer Organization, “each year in the U.S. there are approximately 13,400 children between the ages of birth and 19 years of age who are diagnosed with cancer.”1 This startling statistic is hard to swallow, but why not think of it as a time to rededicate to raising awareness and kicking childhood cancer to the curb? One of the great benefits of The Affordable Care Act, (ACA) commonly known as Obamacare,…
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    The Murray Group

  • An Injury and Illness Prevention Program and NY Business Insurance

    Ryan Murray
    17 Sep 2014 | 11:16 am
    An effective injury and illness prevention program will go a long way in creating a healthy workplace environment and reducing NY business insurance rates, specifically workers compensation. An injury and illness prevention program is a proactive process to help employers find and fix workplace hazards before workers are hurt. Whether you are a contractor, manufacturer or small retailer, all businesses should have an injury and wellness prevention program. This type of a program is not required for most businesses in NY. However, The Murray Group highly recommends that all businesses…
  • NY Homeowners Insurance and Your Child at College

    Ryan Murray
    10 Sep 2014 | 11:09 am
    You’ve just dropped your child off at college for the first time, and NY homeowners insurance is probably the last thing on your mind. You haven’t thought about protecting the expensive computer. You didn’t think about the total value of the belongings your child brought with him. You didn’t have a talk with your child about how he can safeguard his belongings. Here is why you should. Your NY homeowners policy extends to your child at college, but you must review your policy before a loss occurs. The standard homeowners policy, HO3, will provide 10% of the contents…
  • Small Business Risk Management Education Is Important To You

    Ryan Murray
    3 Sep 2014 | 11:21 am
    We are inundated with TV commercials with a lizard and billboards promising 15% savings on insurance. With that, the importance of small business risk management education has fallen by the wayside. We can blame it on companies like Geico or State Farm. We can blame the economic downturn that we all faced in the past years. As a trusted risk adviser, we must resist the temptation to follow the trend. We have discussed in other posts why risk management is important to the small or large business. We have suggested that the business owner examine some of the risks and exposures the business…
  • 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,…
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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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  • 7 Surprising Truths About the Health Benefits of Travel

    Claire Vorster
    19 Sep 2014 | 12:13 am
    9UBCFJ5WDZF87 Surprising Truths About the Health Benefits of Travel By Claire Vorster “Not all those who wander are lost,” said J.R.R Tolkien, author of the epic Lord of the Rings series – a man who clearly knew about the joy of other places.  And it seems Singaporeans agree as we are travelling abroad in ever increasing numbers. In 2012 we made over million trips abroad, that’s an increase of almost four percent from 2011 and a massive 85 percent leap from 2001. So why should we invest our hard earned cash in going somewhere else? And are there real benefits to prioritizing new…
  • Tips to Help You Save on Car Running Costs

    Claire Vorster
    18 Sep 2014 | 12:38 am
    9UBCFJ5WDZF8Tips to Help You Save on Car Running Costs By Claire Vorster Owning a car in Singapore is guaranteed to make you feel that you should save money somewhere else (to balance the universe). Rather than allowing your dream car to slowly suck the life out of your bank account, here are 6 easy tips from to help you save money on running costs and maintenance Enjoy the Grand Prix, Don’t Drive Like You Are In It Aggressive driving – speeding, rapid acceleration and constant braking – gobbles gas. According to the experts at, measured driving,…
  • Signal When You Turn or Face Fees

    Paul Cypert
    16 Sep 2014 | 2:01 am
    9UBCFJ5WDZF8Signal When You Turn or Face Fees By Paul Cypert Letting others know you intend to turn seems like common courtesy. In many countries this is considered an basic fundamental to be observed at all times. So you think it would be widely practiced in safety obsessed Singapore.   But according to a report from the Straits Times, many drivers report “that they did not know they could be fined” for turning without signalling. I guess they’re basing that lack of knowledge based on observation – no one seems overly bothered with using their turn signals across the island. Let us…
  • From February Further Restrictions on Driving with Mobile Devices

    Paul Cypert
    10 Sep 2014 | 2:04 am
    9UBCFJ5WDZF8From February Further Restrictions on Driving with Mobile Devices By Paul Cypert Drive with a mobile device? From February, 2015 you’ll no longer be able to hold, operate or read any type of mobile device while driving.  This seems like common sense, but apparently the old law only covered calling or text messaging. The new law will close off that technicality and cover activity of any kind –surfing, browsing social networks or any other function that requires you to hold a mobile device. That’s great news for safe drivers as those activities are easily more dangerous than…
  • 5 Common Distractions in the Car We Should Stop

    Cheryl Tay
    8 Sep 2014 | 7:33 pm
    9UBCFJ5WDZF85 Common Distractions in the Car We Should Stop By Cheryl Tay Strictly defined, a car is a transportation machine you operate to get you from one place to another. However, it has gone beyond that and with the amount of time we spend driving around in our cars, it has become some sort of house of wheels for some of us. We have our meals in the car, change clothes in the car, apply makeup in the car or even catch a quick snooze between meetings. However innocent you think these may be, they are actually dangerous distractions that might cause harm to you and other motorists. What…
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    Insurance Panda

  • How To Get Cheap Auto Insurance Rates For Students
    10 Sep 2014 | 9:48 am
    Everyone knows that drivers who are very young can pay a lot higher premiums. More experienced drivers get into less accidents as a general rule. Younger people are more at risk for accidents and, because of that, pose a higher risk to their insurance companies. The good news is that if you are a young… Continue reading →The post How To Get Cheap Auto Insurance Rates For Students appeared first on Insurance Panda.
  • How To Get Auto Insurance Discounts Through Taking Driving Classes
    4 Sep 2014 | 9:08 am
    Is it true? Can you really get auto insurance discounts just by taking easy defensive driving classes? Yes, it really is. Auto insurance discounts are often given to drivers who take concrete actions to improve their safe driving behaviors and driving skills, since you will probably file fewer claims if you are a safe driver.… Continue reading →The post How To Get Auto Insurance Discounts Through Taking Driving Classes appeared first on Insurance Panda.
  • How To Get A Car Insurance Quote Without Using Your SSN Or Other Personal Info
    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
    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
    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.
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  • Ford and Hyundai to Unveil New Hybrids to Compete with the 2016 Prius

    Jordan Perch
    10 Sep 2014 | 9:17 am
    Toyota has managed to maintain leadership in the global hybrid market for over a decade now, thanks to the best price/performance ratio, with cumulative global sales getting close to the 4 million mark, but it seems that it won’t be able to rest on its laurels for much longer, with a few car makers developing hybrid vehicles that could fight the Prius in the future. Ford C-Max Hybrid on display at the entrance to Ford’s Wayne Stamping & Assembly plant. For use licenses by 3.0 Ford and Hyundai have emerged as the most serious potential rivals to Toyota in…
  • Road Trips Turn Out to Be More Expensive Than People Think

    Jordan Perch
    4 Aug 2014 | 6:27 am
    Taking a road trip is generally regarded as a cheap vacation option, as it can save you a lot of money on airline tickets and fees, but there are many expenses involved that can make it a bit pricey, such as food, gas, and lodging, so people often end up spending more than expected. With restaurants, hotels, toll fees, fuel, and entertainment, road trips may cost up to $2,000 – $3,000, which makes traveling by car more expensive than flying, but very few consumers are aware of this fact. A survey that was recently conducted by RetailMeNot, the online coupon service, showed that most…
  • Top 10 Classic Cars to Restore

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

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

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

  • Are Youth Sports A Lightning Rod for Legal Action?

    Jim Holm
    4 Sep 2014 | 12:43 pm
    My daughter played multiple youth sports growing up and eventually played soccer for Coe College. It was a wonderful experience for her, which has taught her a great deal she can call upon her entire life. She is a math teacher in a middle school just outside of Madison WI and has already started coaching.I’m […]
  • Mazda, Google, Or You? Who Will Decide If You Will Continue to Drive a Car?

    Jim Holm
    24 Jun 2014 | 10:31 am
    “After a lifetime of driving, repairing and studying automobiles, I have come to an unavoidable conclusion – we are the weakest link in a car. As car components go, human beings are deeply substandard – we have imperfect perception, we are ruled by emotion, and we vary wildly in quality.” Peter Cheney, award winning Canadian […]
  • Farmers Insurance Sues Over Climate Change

    Jim Holm
    30 May 2014 | 7:35 am
    “What the heck???!!!” You’ve probably heard the news that Farmers Insurance filed a suit against about 200 Chicago-area municipalities. The suit contends that those municipal governments knew the risk posed by climate change and should have been better prepared. Farmers Insurance is seeking damages for losses caused to their insureds’ homes by the surge of […]
  • Ethics and Insurance

    Jim Holm
    6 May 2014 | 3:09 am
    I started my career in 1970 in a management trainee program for the Continental Insurance Company of New York. The two-year course included classroom instruction in the Chicago office from the corporation’s top management in the various departments. As I recall, even though the course went into great detail with subject matter that ranged from […]
  • The Federal Insurance Office (FIO)

    Jim Holm
    17 Apr 2014 | 11:20 am
    Word came out of Washington this week that the Federal Insurance Office (FIO) is looking to establish the government’s definition of “affordability” of private passenger auto insurance. The Dodd-Frank Law gave the government authority to bark up this tree. When I hear “government” and “insurance” in the same sentence my warning bells go off. I […]
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  • Have you heard…?

    Sara Jaspan
    3 Sep 2014 | 2:40 am
    September is national Hearing Awareness Month. Why raise awareness? Hearing loss is a major public health issue affecting over ten million people in the UK – that’s one in six of the population. This figure is predicted to rise 14.5 million over the next 20 years. Common causes Age is the biggest single cause. Beginning from around 30 years old, most people develop significant hearing problems by the time they reach 80. Presbycusis (as it is medically termed) affects more than 70 per cent of over 70 year olds, and 40 per cent of over 50 year olds. Noise induced hearing loss is another…
  • 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…
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    Enhanced Insurance

  • Is There an Insurance Cost Advantage Working from Home?

    Jim Holm
    16 Sep 2014 | 8:28 am
    More parents are looking toward “stay at home” jobs. The economic calculation should include a consideration of the possible savings on your auto insurance if you have a stay at home job. In August of 2013 published a list of fifteen surprising “work from home” jobs. They included:      Bilingual Senior Technical Advisor (Customer Service)      CEO / Executive Director      Community Gardens Director      Company Chef      County Transportation Planner      Director of Global Advertising      Director of Strategic Accounts…
  • How will driverless technology impact my auto insurance premiums?

    Jim Holm
    15 Sep 2014 | 12:44 pm
    Agence France-Presse/Getty Images Google’s driverless car is getting a lot of press. Other auto and truck manufacturers are less vocal about their advancements, but they’re happening quickly. United States manufacturer Peterbilt demonstrated its autonomous tractor a few days ago while German truck maker Daimler introduced its version in July. Everyone is wondering what will happen to insurance premiums with a driverless car. Technological growth seems to increase exponentially over time. The major stumbling block going forward seems to be political and the steamroller that has been shown…
  • Average Term Life Insurance Rates

    Clarence Holm
    9 Sep 2014 | 8:01 am
    “Why should anyone aspire to be a common man, an average man? Do you realize what it means to be average? That means you’re the best of the lousiest and the lousiest of the best. Now if we demand more and more for producing less and less, while the have-not nations encourage and inspire, and indeed require hard work and maximum effort – if we deify the common men while they encourage and reward the uncommon ones – Well, the end result of such a lopsided race as that is too obvious to require elaboration.” - Paul Harvey “I just need an average term life policy, something to…
  • Best Used Cars Under $5000

    Nolan Ezell
    5 Sep 2014 | 8:27 am
    For many Americans some form of automobile is more than just a luxury: it is a necessary part of their daily arsenal of accessories. According to the US Census Bureau, the average American has to face an almost half-hour commute one way to get to their place of work or back home every day, and will spend on average nearly 40 hours stuck in traffic per year. People in San Francisco spent a reported 83 hours sitting in traffic not moving in 2013. Combining that time with trips to the grocery store, recreation, and other obligations, and it becomes obvious that for most Americans their…
  • 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…
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    Montgomery & Associates

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

    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

    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

    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?

    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

    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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  • Life Insurance Explained

    Eric C.
    15 Sep 2014 | 1:00 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Life Insurance Explained The subject of life insurance is for the most part not one that is usually talked about. Despite the fact that this is genuine, it is additionally genuine that you ought... Life Insurance Explained Eric C.
  • You simply Look at and Get Ease Protection Cites for Vehicles

    Eric C.
    4 Aug 2014 | 9:22 am
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . You simply Look at and Get Ease Protection Cites for Vehicles How about we say you would like the least valued accident coverage rates you will discover. That is possible in innumerable methods. You... You simply Look at and Get Ease Protection Cites for Vehicles Eric C.
  • Tips for Health Insurance that Getting the Most Out Of Your Money!

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

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

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

  • What’s the difference between term life insurance and universal life insurance?

    20 Sep 2014 | 1:52 pm
    Many people ask this question all the time. It’S not that frequent, but maybe it should be. Many people just know about whole life insurance and term life insurance. Universal life insurance is the sort of similar to whole life insurance but more flexible. In this article, we’ll go over term life insurance and universal life insurance and then explain the differences between both of them. What is term life insurance?Term life insurance is life insurance that you buy for a set amount of time. If a person dies while they are covered, then you will most likely be paid a death benefit…
  • Life insurance quote with dental insurance supplement

    18 Sep 2014 | 1:45 pm
    Looking for a life insurance quote that also includes dental insurance supplement, we’ll show you how to get oneMany people want more from their life insurance plans as soon as they figure out that you can use life insurance for more than making sure your loved ones have something to live on when they’re dead. If you didn’t know, you can also use your life insurance policies to help provide secondary incomes, pay off homes, and wipe out debts after loved ones are gone. But, what most people didn’t know is that you can also get life insurance plans that come with other…
  • Level term life insurance quote

    16 Sep 2014 | 1:42 pm
    Why look for a  level term life insurance quote?Many people know that term life insurance is the easiest kind of life insurance you can buy and that it’s the most simple. But they also don’t know that there are multiple kinds of term life insurance. The first kind is called annual renewable term. This form of life insurance has a term that’s extremely short, only one year. But, typically you are guaranteed to be able to renew it a number of years in a row. You see this type of policy being bought by older people who might not need a large policy, or who need one, but…
  • Term life insurance quote comparison

    14 Sep 2014 | 1:39 pm
    Want to know how to compare term life insurance quotes? This article will teach you howMany people don’t know how to compare term life insurance quotes, and they look for websites to do it for them. The good news is, term life insurance quotes aren’t complicated, and you can learn yourself how to compare quotes in under a half an hour. The bad news is that, for other kinds of life insurance, comparing one policy to another can be a major pain. This is doubly true if you’re looking at different types of life insurance, or have policies where one plan is combined with another,…
  • Looking to afford a term life insurance policy?

    12 Sep 2014 | 1:36 pm
    You’re in the right spot. First of all, congratulations for picking the right type of life insurance to purchase. Many people try to buy life insurance and end up buying too much or spending too much money. If you want a life insurance policy, but don’t have a lot of money, or don’t want to spend a lot of money on life insurance, then looking for a term life insurance policy is the best thing you can do. Term life insurance is the original form of life insurance. When life insurance was first existing, term life insurance was all you could buy. You either bought term life…
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