Insurance

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  • How Much Does Your Insurance Company Know About You?

    INSURANCE - Yahoo News Search Results
    31 Oct 2014 | 4:00 am
    Your insurer is likely to ask a lot of questions before issuing a policy, and your answers will be checked. So what do they know, anyway?
  • Cyber Theft – Who Pays?

    Specialty Insurance Blog
    Specialty Insurance Blog
    23 Sep 2014 | 7:00 am
    A victim of a Cyber Theft lost $327,000 and is proceeding with a lawsuit against their bank. See Krebs on Security (here) for information on the breach, the mechanics the thieves used and the legal arguments that might be used in the suit. Also see here and here for additional information. It will be interesting to see the outcome, but in prior actions victims have not been successful when the cyber thieves gained access to the bank accounts using the victims stolen login credentials. This situation may be complicated by the bank’s actions. Insurance can be an effective protection against…
  • Self Service Insurance Certificates for Contractors

    Agency Eagle
    Shawn Wilmoth
    3 Oct 2014 | 8:04 pm
    If you are a business like a construction company…You sure know how frustrating having deadlines that are pushed.  Being pushed to get a certificate before a bid is due just makes it worse.AgencyEagle has a solution for your insurance company to make this process easy.  The system is our CAROL online self service system.  The insurance agent has the ability to setup your business for this service and still control the certificate.With our system Contracting and Trucking companies alike can get the kind of information they need for the next big deal and still keep in compliance with…
  • Your Fall Home Maintenance Checklist

    Home Insurance Blog
    Samantha Alexander
    3 Oct 2014 | 12:30 am
    Traces of the vibrant colors to come already infiltrate the trees, pumpkin spice has invaded nearly every food and drink, and the summer heat and humidity seem to have dissipated. That can only mean one thing – it’s officially fall. That means it’s time to get your house in shape for the cooler winter months ahead. According to the Insurance Information Institute, winter storms were the second-largest cause of catastrophic losses in 2013. The III also reports that average annual winter storm losses have almost doubled since the early 1980s. Luckily, many winter-related losses…
  • No damage is reported after magnitude-3.4 quake in Okla.

    PCI SmartBrief
    31 Oct 2014 | 5:21 am
     -More- 
 
 
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    Specialty Insurance Blog

  • Professional Liability Insurance – Reporting Claims

    Specialty Insurance Blog
    28 Oct 2014 | 7:00 am
    Reporting claims in a timely manner is critical for any professional liability insurance coverage – E&O, D&O, EPL and Cyber Risk. What constitutes a claim varies by policy and can, in some instances, be construed broadly. (See our Prior Posts: here, here, here, here, here) A recent article discusses claim reporting and failure to report. Entitled Malpractice: Failure to Report Client’s Claim at Professional Liability Matters, the article makes some excellent points on claim reporting, and then focuses on an attorney’s sometimes obligation to report a claim on behalf of a client. Key…
  • Selling an Agency – E&O Insurance

    Specialty Insurance Blog
    7 Oct 2014 | 7:00 am
    Properly structuring insurance agents/brokers E&O (errors & omissions) insurance coverage is critical when buying or selling an agency. There is no one best E&O coverage structure when an agency transaction takes place, but comprehensive tail coverage is an important consideration in the process. Rather than automatically exercising the extended reporting period (ERP) provision in the E&O policy, a Standalone Tail policy should be considered. A Standalone Tail provides flexibility in terms that is generally not available from an ERP (see our prior post on Tail coverage). Ensuring you are…
  • Cyber Theft – Who Pays?

    Specialty Insurance Blog
    23 Sep 2014 | 7:00 am
    A victim of a Cyber Theft lost $327,000 and is proceeding with a lawsuit against their bank. See Krebs on Security (here) for information on the breach, the mechanics the thieves used and the legal arguments that might be used in the suit. Also see here and here for additional information. It will be interesting to see the outcome, but in prior actions victims have not been successful when the cyber thieves gained access to the bank accounts using the victims stolen login credentials. This situation may be complicated by the bank’s actions. Insurance can be an effective protection against…
  • 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…
 
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    HomeApproved Car Insurance Blog

  • Cost of driving licence to be cut!

    HomeApproved
    25 Oct 2014 | 1:20 am
    Cost of driving licence to be cut by up to 32% http://ow.ly/DjSMj Great news for UK motorists as the findings of a recent report are scheduled to be implemented by the British Government.Filed under: General Car, Motoring Law, New Drivers, Young Drivers Tagged: driving licence
  • The car that’s powered by air?

    HomeApproved
    10 Oct 2014 | 1:35 am
    The car that’s powered by air? http://ow.ly/CxPeJ http://ow.ly/i/7aTjzFiled under: General Car, Vehicle Technology Tagged: vehicle technology
  • Toyota announces……

    HomeApproved
    6 Oct 2014 | 12:45 am
    Read on if you are a fan of the Toyota marque. Some exciting technology developments due to be rolled out next year (2015). Toyota announces that it will be putting fuel cell vehicles (FCVs) on sale in Europe next year. #futuremotoring http://ow.ly/CjtFXFiled under: Environmental, General Car, Vehicle Technology Tagged: fuel cell cars
  • New car tax means………

    HomeApproved
    1 Oct 2014 | 12:15 am
    Recent changes into the laws governing car tax and the phasing out of the traditional windscreen tax discs rumbles on! New car tax means government to get ‘double money’, says AA http://ow.ly/C8TC3Filed under: car insurance fraud, General Car, Motoring Law Tagged: tax discs
  • F.A.O. All motorists. Car Insurance NEWS!

    HomeApproved
    24 Sep 2014 | 8:05 am
    Car insurance due for renewal? F.A.O. All motorists. Important news if your next motor insurance policy is soon up for renewal? http://ow.ly/BRKw9Filed under: Car Insurance, HomeApproved Tagged: car insurance renewal
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    Work Comp Roundup

  • Comp Reduction Coming for Ohio Public Employers

    Kori Shafer-Stack
    31 Oct 2014 | 5:30 am
    Good news has arrived for many businesses in the Buckeye State.   Ohio public employers recently applauded an average 9.1 percent reduction in workers compensation rates for local governments that was approved by the Ohio Bureau of Workers Compensation (BWC) Board of Directors. The new rates covering 3,800 cities, counties, townships, villages, schools and special districts will be effective Jan. 1, 2015.   This rate reduction, combined with decreases implemented in each of the past four years, will result in a total decrease to local government rates of nearly 20 percent since…
  • Non-Traditional Schedules Can Contribute To Shift Work Disorder

    Gregg Cognac
    30 Oct 2014 | 6:30 am
    by Gregg Cognac Physician Assistant/Director of Clinical Affairs, Medcor   The human body is biologically programmed to sleep during the night and be awake and active during the day. This biological program is a 24-hour internal clock referred to as the circadian rhythm. Circadian rhythm disturbances that consistently or recurrently interrupt sleep can affect people who work non-traditional hours such as rotating, evening, or night shifts. These disturbances cause problems with normal psychological and physiological body processes and can lead to a condition called shift work disorder…
  • California DWC Regulations Delayed for One Year

    Kori Shafer-Stack
    30 Oct 2014 | 5:30 am
    California’s Division of Workers Compensation (DWC) recently adopted changes to a medical billing regulation and to the DWC Medical Billing and Payment Guide to postpone the ICD-10 compliance date for one year, to Oct. 1, 2015.   The International Classification of Diseases – 10th Revision, Clinical Modification (ICD-10-CM) and the International Classification of Diseases – 10th Revision, Procedure Coding System (ICD-10-PCS) were adopted for workers comp in February 2014, with an implementation date of Oct. 1, 2014 to coincide with the Health Insurance Portability and…
  • Work Comp Adjuster Best Practice: Trust But Verify

    Michael B. Stack
    29 Oct 2014 | 6:30 am
    This was the slogan of an old associate I had way back in the day.  I have mentioned it here in this blog many times, in many capacities.  “To trust but verify the truth” is what claims adjusting is all about.  We take the word of the injured worker, but at the same time verify on our own the “extent” of disability.  At times we are shocked.  Other times not.   Verification of a work comp claim has many tentacles of which to explore:  Verification of witness statements, of medical records, of causal relation, of wage records, of injury details, and so on.  Even further is…
  • Florida Employer Cited for Half-Dozen Safety Violations

    Kori Shafer-Stack
    29 Oct 2014 | 5:30 am
    One employer in the Sunshine State is not feeling too sunny after a recent finding from OSHA.   Jasper Contractors was cited by the U.S. Department of Labor’s Occupational Safety and Health Administration for six safety violations for exposing workers to falls and other hazards while they performed roofing work at two residential work sites in Jacksonville. The inspections were initiated in March 2014 after the agency received complaints that employees were working from roofs without fall protection. Proposed penalties total $162,000.   “Management did not take any…
 
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    Colorado Health Insurance Insider

  • All Treats No Tricks Cavalcade of Risk

    Louise
    28 Oct 2014 | 9:27 pm
    Welcome to the Halloween edition of the Cavalcade of Risk!  It’s the 220th Cav that’s been posted since the series began in 2006, and there’s always lots of good stuff to read. Technology is awesome Let’s start things off with an update on a new use for drones (they’re going to be everywhere sooner or […] The post All Treats No Tricks Cavalcade of Risk appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Cavalcade of Risk Cavalcade Of Risk – The New…
  • The skinny on Colorado health plan cancellations

    Louise
    27 Oct 2014 | 2:52 pm
    Earlier this month, Colorado Insurance Commissioner Marguerite Salazar sent a letter to Colorado’s Senate Minority Leader, detailing the upcoming policy cancellations in Colorado.  For 18,909 plan members, these policy cancellations are the result of a voluntary decision by the carriers.  For another 3,849 for SeeChange small group members, the cancellation is happening because California has […] The post The skinny on Colorado health plan cancellations appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research…
  • Health Wonk Review – the falling leaves edition

    Louise
    22 Oct 2014 | 7:54 pm
    Welcome to the Falling Leaves edition of the Health Wonk Review!  Grab your pumpkin-flavored whatever and pull up a chair – we’ve got lots of good stuff from the health wonks this week.  The election is coming – don’t forget to vote! – and so is open enrollment, so there’s lots to talk about when […] The post Health Wonk Review – the falling leaves edition appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Health Wonk Review – The…
  • Colorado’s Senate Candidates Mark Udall and Cory Gardner on Contraceptives

    Louise
    14 Oct 2014 | 10:34 am
    Mark Udall and Cory Gardner are in a tight senate race right now, and one of the issues that has come up in several ads is contraception.  Here’s what women in Colorado  need to know about the two candidates and how their positions would impact our access to contraceptives: Udall supports the ACA.  One of […] The post Colorado’s Senate Candidates Mark Udall and Cory Gardner on Contraceptives appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Contraceptive Coverage And…
  • Weekend reading from the health wonks

    Louise
    11 Oct 2014 | 9:46 pm
    In case you missed this week’s excellent Health Wonk Review, be sure to head over to Managed Care Matters for a little weekend reading.  Joe Paduda has put together a great collection of health policy articles.  Healthcare reform has been heavily partisan for the last several years (decades, really – remember the Clintons’ efforts to […] The post Weekend reading from the health wonks appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Weekend reading from some great…
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    Home Insurance Blog

  • Home Insurance and Volcanoes

    Arthur Murray
    27 Oct 2014 | 11:09 am
    Make no mistake: Most of us – most of the time – envy Hawaii residents. The words ‘island paradise’ practically were created for the state. But right now we worry about Hawaii and how some residents live in the path of a lava flow from Kilauea volcano. Lava flow from Kilauea volcano – it sounds so innocent. The reality is that molten rock as hot as 2,000 degrees Fahrenheit is bearing down – at a rate of 15 to 20 yards an hour – on the town of Pahoa. As of noon Monday, no evacuation order had been issued, but it seemed as though one was imminent. Are homes protected? The…
  • Lock Down Data From Cyber Security Threats

    Katherine Wood
    22 Oct 2014 | 12:44 pm
    Big data breaches, especially of high-profile businesses, are on the rise, according to the Identity Theft Resource Center. In the last year, eBay, Target, Neiman Marcus, JPMorgan Chase, and Home Depot all experienced  high-profile data breaches. Over the course of 2013, 614 publicly disclosed data breaches occurred, with more than 92 million personal records compromised, compared with 449 publicly disclosed breaches in 2012, according to the ITRC. The Department of Homeland Security, along with the National Cyber Security Alliance, declared October National Cyber Security Awareness Month.
  • The Smell of Success: No Smell

    Shannon Ireland
    16 Oct 2014 | 2:31 pm
    Imagine you’re searching for your dream home or apartment and you find one that meets all your criteria – beautiful wooden floors, modern fixtures, a walk-in closet, the whole shebang. But when you walk into the bedroom – where you’ll spend a third of your time in your cozy bed – you notice an awful smell. It may be the potent stench of nicotine from a former resident who enjoyed daily cigarettes, or the stale odor of pet accidents past, but either way, it puts a damper on your ideal abode. The good news: It doesn’t have to be a deal breaker. Tips and tricks If you decide to…
  • 6 Common Fall Treats that can Hurt Your Pet

    Katherine Wood
    13 Oct 2014 | 11:17 am
    Face it: Fall is all about treating yourself. It’s more than the tricks and treats at Halloween, but also treating ourselves to seconds at Thanksgiving dinner and to hot chocolate on the first crisp day of autumn. There’s no problem with treating yourself when fall rolls around, but if you have a pet, you should take certain precautions. Though you may enjoy your treats, some of them could harm your pet. According to the American Society for the Prevention of Cruelty to Animals, or the ASPCA, accidental animal poisonings have recently risen significantly. The 180,000 calls that…
  • Your Fall Home Maintenance Checklist

    Samantha Alexander
    3 Oct 2014 | 12:30 am
    Traces of the vibrant colors to come already infiltrate the trees, pumpkin spice has invaded nearly every food and drink, and the summer heat and humidity seem to have dissipated. That can only mean one thing – it’s officially fall. That means it’s time to get your house in shape for the cooler winter months ahead. According to the Insurance Information Institute, winter storms were the second-largest cause of catastrophic losses in 2013. The III also reports that average annual winter storm losses have almost doubled since the early 1980s. Luckily, many winter-related losses…
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    Insurance Law Hawaii

  • Motion to Dismiss Denied Regarding Insureds' Claim For Collapse

    Tred Eyerly
    29 Oct 2014 | 3:01 am
       The federal district court denied the insurer's motion to dismiss claims for loss due to the imminent collapse of the insureds' basement walls. Belz v. Peerless Ins. Co., 2014 WL 4364914 (D. Conn. Sept. 2, 2014).     The insureds noticed cracks throughout their basement walls. It was discovered that the condition was the result of a chemical compound used in the concrete of certain basement walls in the late 1980s and early 1990s. The insureds contended that due to the cracking, the basement walls suffered a substantial impairment to their structural integrity making it…
  • Court Agrees to Stay Coverage Matter While Underlying State Action is Pending

    Tred Eyerly
    27 Oct 2014 | 3:01 am
       The federal district court granted the insured's motion to stay the coverage action while the construction defect case was pending in state court. Auto Owners Ins. Co. v. Essex Homes Southeast, Inc., 2014 U.S. Dist. LEXIS 133120 (D. S.C., Sept. 23, 2014).        The homeowners sued Essex Homes in state court for construction defects in a home built and sold to them by Essex Homes. The suit sought damages for property damage based on negligence, breach of implied warranty, and breach of express warranties arising out of the alleged construction defects. The complaint alleged…
  • Damages in First Trial Establishing Liability of Tortfeasor Binding in Bad Faith Trial Against Insurer

    Tred Eyerly
    22 Oct 2014 | 3:01 am
       The court considered whether, in a second trial for bad faith, the insured was required to again prove her damages, instead of relying on the jury's damage determination in the first trial where the tortfeasor's liability was established. Geico Gen. Ins. Co. v. Paton, 2014 Fla. Ct. App. LEXIS 14362 (Fla. Ct. App. Sept. 17, 2014).    The insured was injured in a car accident caused by the negligence of the underinsured driver. Geico paid the insured the $10,000 policy limit under her policy. The insured's mother also had uninsured/underinsured coverage with Geico, with…
  • No Occurrence Found for Damage to Home Caused by Settling

    Tred Eyerly
    20 Oct 2014 | 3:01 am
       The Nebraska Supreme Court found the insurer properly denied coverage to the general contractor for damage to a home caused by settlement. Cizek Homes, Inc. v. Columbia Nat. Ins. Co., 2014 Neb. LEXIS 152 (Neb. Sept. 9, 2014).    The general contractor built and then sold the residence. Subsequently, the homeowners complained that the soil beneath their residence was settling and causing damage to their home. The homeowners presented a draft complaint to the general contractor, alleging that negligence and faulty workmanship had caused damage to the home.     The general contractor…
  • Insurance Coverage Litigation Section to Present at Hawaii State Bar Convention

    Tred Eyerly
    15 Oct 2014 | 3:01 am
       The Hawaii State Bar convention will be on October 24, 2014, at the Hawaiian Hilton. The Insurance Coverage Litigation Section will make a presentation from 8:30 a.m. to 11:45 a.m.     Three presentations will be made. First, Richard C. Mosher (Anderson Kill), Kathy Dang (Marsh), and Beau Monday (Hawaiian Telcom) will discuss cyber-liability claims and insurance options.   Next, David R. Harada-Stone (Tom Petrus & Miller) and I (Damon Key Leong Kupchak Hastert) will address "occurrences," i.e., deciding on and the impact of determining the number of occurrences in…
 
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    WordPress Tag: Auto Insurance

  • Are You Unsure about Uninsured Motorists Coverage?

    Pam Leis
    16 Oct 2014 | 7:40 am
    Watch our video for more on Uninsured (UM)and Underinsured Motorists (UIM) coverages. Since nearly e
  • Great Auto Insurance Advice For Any Person

    targetup2014
    15 Oct 2014 | 7:21 pm
    TIP! Believe it or not, the amount you drive can affect your insurance premium. Some car insurance companies offer lower rates for those who do not drive as much. Buying the right insurance for your car is essential to prevent financial difficulties when an accident occurs. The article below will describe how to ask the right questions from your broker or agent, what coverage to buy and how to avoid duplicate coverage. Read the article and ask the right questions from your insurance professional. A great way to reduce your insurance bill is by lowering your mileage each year. Many insurance…
  • How to determine if you're smartly insured

    kimbrellinsurance
    15 Oct 2014 | 9:00 am
    When consumers buy insurance, they are guided by a “well, you never know philosophy.” That, according to experts, is a huge mistake. Saving money can be as easy as making a phone call. “The number one way people waste money is simply not asking for all the credits that they could,” says Bill Wilson, associate vice president of education and research for the Independent Insurance Agents & Brokers of America. For instance, most insurance companies offer discounts for customers who buy more than one type of coverage. There are also deals for good drivers and for…
  • State No-Fault Insurance Agency - Florida's Local Insurance Agency since 1975

    agencythrive
    15 Oct 2014 | 8:22 am
    State No-Fault Insurance Agency pride themselves in their business and strive to be relationship specialists, providing you with the total insurance solution for all your needs.  State No-Fault Insurance Agency represents various nationwide insurance carriers, allowing them to effectively compare rates and coverage to ensure you receive the quality protection you deserve.  At State No-Fault Insurance Agency they understand that as an insurance buyer, you want the right coverage at the right price.  State No-Fault Insurance Agency pledges to always put the interest of their clients first…
  • What Percent of Drivers in the US are Uninsured?

    hoosierecon
    15 Oct 2014 | 5:57 am
    As of 2013, an estimated 14% of drivers nationally are uninsured, according to the industry-funded Insurance Research Council
 
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  • Mexican police eyed in murder of 3 US teens

    31 Oct 2014 | 2:39 pm
    Mexican police eyed in murder of 3 US teensGettyThe search for answers about siblings who were found executed during a visit to Mexico has raised suspicion against an elite security force.Why some think they were killedMore in the news43 Mexican students still missingBurkina Faso's emergency
  • Accused cop killer's writings detail attack

    31 Oct 2014 | 2:39 pm
    Accused cop killer's writings detail attack APHandwritten notes released by Pa. police Friday include cold and calculated descriptions of crimes he faces the death penalty for.Chilling words that shed new light In other newsFour killed in deadly plane crashNew info in New York beheading
  • Massive drill bit narrowly misses subway car

    31 Oct 2014 | 2:39 pm
    Massive drill bit narrowly misses subway car ASSOCIATED PRESSA construction error beneath NYC could have been disastrous, but all 1,000 riders were safely evacuated.Photo you have to see to believe Take a look Mom arrested over Facebook picSite becomes morbid attraction
  • Man may hold fate of Senate in palm of his hand

    31 Oct 2014 | 2:39 pm
    Man may hold fate of Senate in palm of his handAPSen. Angus King isn't a household name or face, but depending on Tuesday's outcome, he could decide the fate of U.S. government.Why he's such a pivotal figureMore politics headlines'Colbert Report' going off the air Christie lashed out at heckler
  • Virgin spaceship crashes in the Mojave Desert

    31 Oct 2014 | 2:39 pm
    Virgin spaceship crashes in the Mojave DesertAPCalifornia authorities confirmed that at least one person has died after Virgin Galatic SpaceShipTwo unexpectedly crashed Friday. Early images from the impact siteMore to see Embattled nation's president outLimbaugh sparks controversy
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  • Mexican police eyed in murder of 3 US teens

    31 Oct 2014 | 2:39 pm
    Mexican police eyed in murder of 3 US teensGettyThe search for answers about siblings who were found executed during a visit to Mexico has raised suspicion against an elite security force.Why some think they were killedMore in the news43 Mexican students still missingBurkina Faso's emergency
  • Accused cop killer's writings detail attack

    31 Oct 2014 | 2:39 pm
    Accused cop killer's writings detail attack APHandwritten notes released by Pa. police Friday include cold and calculated descriptions of crimes he faces the death penalty for.Chilling words that shed new light In other newsFour killed in deadly plane crashNew info in New York beheading
  • Massive drill bit narrowly misses subway car

    31 Oct 2014 | 2:39 pm
    Massive drill bit narrowly misses subway car ASSOCIATED PRESSA construction error beneath NYC could have been disastrous, but all 1,000 riders were safely evacuated.Photo you have to see to believe Take a look Mom arrested over Facebook picSite becomes morbid attraction
  • Man may hold fate of Senate in palm of his hand

    31 Oct 2014 | 2:39 pm
    Man may hold fate of Senate in palm of his handAPSen. Angus King isn't a household name or face, but depending on Tuesday's outcome, he could decide the fate of U.S. government.Why he's such a pivotal figureMore politics headlines'Colbert Report' going off the air Christie lashed out at heckler
  • Virgin spaceship crashes in the Mojave Desert

    31 Oct 2014 | 2:39 pm
    Virgin spaceship crashes in the Mojave DesertAPCalifornia authorities confirmed that at least one person has died after Virgin Galatic SpaceShipTwo unexpectedly crashed Friday. Early images from the impact siteMore to see Embattled nation's president outLimbaugh sparks controversy
  • add this feed to my.Alltop

  • Mexican police eyed in murder of 3 US teens

    31 Oct 2014 | 2:39 pm
    Mexican police eyed in murder of 3 US teensGettyThe search for answers about siblings who were found executed during a visit to Mexico has raised suspicion against an elite security force.Why some think they were killedMore in the news43 Mexican students still missingBurkina Faso's emergency
  • Accused cop killer's writings detail attack

    31 Oct 2014 | 2:39 pm
    Accused cop killer's writings detail attack APHandwritten notes released by Pa. police Friday include cold and calculated descriptions of crimes he faces the death penalty for.Chilling words that shed new light In other newsFour killed in deadly plane crashNew info in New York beheading
  • Massive drill bit narrowly misses subway car

    31 Oct 2014 | 2:39 pm
    Massive drill bit narrowly misses subway car ASSOCIATED PRESSA construction error beneath NYC could have been disastrous, but all 1,000 riders were safely evacuated.Photo you have to see to believe Take a look Mom arrested over Facebook picSite becomes morbid attraction
  • Man may hold fate of Senate in palm of his hand

    31 Oct 2014 | 2:39 pm
    Man may hold fate of Senate in palm of his handAPSen. Angus King isn't a household name or face, but depending on Tuesday's outcome, he could decide the fate of U.S. government.Why he's such a pivotal figureMore politics headlines'Colbert Report' going off the air Christie lashed out at heckler
  • Virgin spaceship crashes in the Mojave Desert

    31 Oct 2014 | 2:39 pm
    Virgin spaceship crashes in the Mojave DesertAPCalifornia authorities confirmed that at least one person has died after Virgin Galatic SpaceShipTwo unexpectedly crashed Friday. Early images from the impact siteMore to see Embattled nation's president outLimbaugh sparks controversy
 
  • add this feed to my.Alltop

  • Mexican police eyed in murder of 3 US teens

    31 Oct 2014 | 2:39 pm
    Mexican police eyed in murder of 3 US teensGettyThe search for answers about siblings who were found executed during a visit to Mexico has raised suspicion against an elite security force.Why some think they were killedMore in the news43 Mexican students still missingBurkina Faso's emergency
  • Accused cop killer's writings detail attack

    31 Oct 2014 | 2:39 pm
    Accused cop killer's writings detail attack APHandwritten notes released by Pa. police Friday include cold and calculated descriptions of crimes he faces the death penalty for.Chilling words that shed new light In other newsFour killed in deadly plane crashNew info in New York beheading
  • Massive drill bit narrowly misses subway car

    31 Oct 2014 | 2:39 pm
    Massive drill bit narrowly misses subway car ASSOCIATED PRESSA construction error beneath NYC could have been disastrous, but all 1,000 riders were safely evacuated.Photo you have to see to believe Take a look Mom arrested over Facebook picSite becomes morbid attraction
  • Man may hold fate of Senate in palm of his hand

    31 Oct 2014 | 2:39 pm
    Man may hold fate of Senate in palm of his handAPSen. Angus King isn't a household name or face, but depending on Tuesday's outcome, he could decide the fate of U.S. government.Why he's such a pivotal figureMore politics headlines'Colbert Report' going off the air Christie lashed out at heckler
  • Virgin spaceship crashes in the Mojave Desert

    31 Oct 2014 | 2:39 pm
    Virgin spaceship crashes in the Mojave DesertAPCalifornia authorities confirmed that at least one person has died after Virgin Galatic SpaceShipTwo unexpectedly crashed Friday. Early images from the impact siteMore to see Embattled nation's president outLimbaugh sparks controversy
  • add this feed to my.Alltop

  • Mexican police eyed in murder of 3 US teens

    31 Oct 2014 | 2:39 pm
    Mexican police eyed in murder of 3 US teensGettyThe search for answers about siblings who were found executed during a visit to Mexico has raised suspicion against an elite security force.Why some think they were killedMore in the news43 Mexican students still missingBurkina Faso's emergency
  • Accused cop killer's writings detail attack

    31 Oct 2014 | 2:39 pm
    Accused cop killer's writings detail attack APHandwritten notes released by Pa. police Friday include cold and calculated descriptions of crimes he faces the death penalty for.Chilling words that shed new light In other newsFour killed in deadly plane crashNew info in New York beheading
  • Massive drill bit narrowly misses subway car

    31 Oct 2014 | 2:39 pm
    Massive drill bit narrowly misses subway car ASSOCIATED PRESSA construction error beneath NYC could have been disastrous, but all 1,000 riders were safely evacuated.Photo you have to see to believe Take a look Mom arrested over Facebook picSite becomes morbid attraction
  • Man may hold fate of Senate in palm of his hand

    31 Oct 2014 | 2:39 pm
    Man may hold fate of Senate in palm of his handAPSen. Angus King isn't a household name or face, but depending on Tuesday's outcome, he could decide the fate of U.S. government.Why he's such a pivotal figureMore politics headlines'Colbert Report' going off the air Christie lashed out at heckler
  • Virgin spaceship crashes in the Mojave Desert

    31 Oct 2014 | 2:39 pm
    Virgin spaceship crashes in the Mojave DesertAPCalifornia authorities confirmed that at least one person has died after Virgin Galatic SpaceShipTwo unexpectedly crashed Friday. Early images from the impact siteMore to see Embattled nation's president outLimbaugh sparks controversy
  • add this feed to my.Alltop

    Artemis.bm - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management Blog

  • Hannover Re’s LI Re deal sees it acting as private cat bond facilitator

    Artemis
    31 Oct 2014 | 9:04 am
    The recent $10.37m LI Re (Series 2014-1) securitization of a segregated cell of reinsurance company Hannover Re’s Bermuda segregated accounts insurer Kaith Re Ltd., was a property catastrophe insurance-linked security (or catastrophe bond) it transpires. When we wrote about the LI Re deal just over a week ago, we suggested that it might be a retrocession transaction benefiting Hannover Re, where the reinsurer was using the cell and the securitization to transfer a portion of its retro vehicle to capital market investors. Given Kaith Re is the vehicle that Hannover Re has been using for…
  • Universal Insurance Holdings explores cat bonds for 2015 renewal

    Artemis
    31 Oct 2014 | 3:20 am
    Universal Insurance Holdings, Inc. (NYSE: UVE), a U.S. primary property and casualty insurer, may look to the catastrophe bond market as a way to tap additional alternative sources of ILS capital as part of its 2015 reinsurance renewal. The insurers chief operating officer Jon Springer said that tapping additional sources of alternative reinsurance capital at its next renewal in June 2015 may be attractive to Universal, as it seeks to optimise its coverage. Speaking during the Universal Insurance Holdings third-quarter earnings call, Springer said that the firm would look to find additional…
  • Find ways to use alternative reinsurance capital to cover new risks: XL’s CEO McGavick

    Artemis
    31 Oct 2014 | 1:54 am
    Insurance and reinsurance companies need to find ways to use the influx of alternative capital, from third-party investments in reinsurance and insurance linked assets, to cover new and emerging categories of risk, according to CEO of XL Group Michael McGavick. McGavick, speaking to 200 insurance professionals at the 2014 Brokerslink Global Conference recently, said that alternative reinsurance capital is nothing to fear, rather that it is something to take advantage of and to use to insurers and reinsurers benefit. This is a message that is increasingly being used by large insurers or…
  • Investors in PartnerRe’s Lorenz Re sidecar receive growing income

    Artemis
    30 Oct 2014 | 9:30 am
    Bermuda based reinsurance firm PartnerRe Ltd. has returned a larger amount of capital to investors in its fully-collateralized reinsurance sidecar vehicle Lorenz Re. PartnerRe’s Q3 report shows that almost $10m has been returned to investors this year. For the third-quarter PartnerRe reports that it returned net income of $4.92m to non-controlling interest investors. These are understood to be the third-party investors that have capital in the reinsurers Lorenz Re reinsurance sidecar, that it established in April 2013. Lorenz Re was launched by PartnerRe as a way for it to test the…
  • Arch results show Watford Re’s combined ratio improving

    Artemis
    30 Oct 2014 | 5:54 am
    The latest quarterly results from Bermuda-based insurance and reinsurance group Arch Capital show that its new venture Watford Re, the sidecar-style, third-party financed, hedge fund style reinsurer, has improved its performance in the last quarter. Watford Re’s results for its first full quarter of operation showed the costs associated with starting up the vehicle and a relatively high combined ratio. Watford Re underwrites predominantly longer-tailed lines of reinsurance business, as lot of which is casualty lines, hence a higher combined ratio is to be expected. But Arch has said…
 
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    GCCapitalIdeas.com

  • Week’s Top Stories: October 25 — 31, 2014

    GC Editor
    31 Oct 2014 | 5:00 am
    Guy Carpenter and Oliver Wyman Publish Annual Insurance Risk Benchmarks Research: Guy Carpenter and Oliver Wyman, both wholly owned subsidiaries of Marsh & McLennan Companies, released the 2014... Continue reading...
  • Affordable Care Act: Health Insurers Addressing the Need to Develop New Strategies

    GC Editor
    29 Oct 2014 | 10:00 pm
    Phillip Barker, Senior Vice President Contact It has been a little over four years since the enactment and subsequent implementation of the Patient Protection and Affordable Care Act, more widely... Continue reading...
  • Cyber Insurance Coverage: Limits

    GC Editor
    29 Oct 2014 | 10:00 pm
    Average limits purchased by companies with revenues exceeding USD1 billion rose 10 percent in 2013 to USD28.2 million from USD25.7 million in 2012. For companies of this size, financial institutions... Continue reading...
  • Guy Carpenter Publishes Flood Risks in Asia — A Detailed Study

    GC Editor
    29 Oct 2014 | 1:30 pm
    Guy Carpenter today released a new report titled Flood Risk in Asia - A Detailed Study. The report provides an in-depth study of the flood potential in Asia along with the prevention and protection... Continue reading...
  • Managing Reserve Risk

    GC Editor
    28 Oct 2014 | 10:00 pm
    Michelle Harnick, Managing Director Contact Given that the leading cause of financial impairment of insurance companies is inadequate reserves and our view that a reserve “cycle” not only... Continue reading...
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    InsureBlog

  • Halloween: P&C Claims Style

    31 Oct 2014 | 6:00 am
    [Hat Tip: FoIB Amanda A] Original content copyright © InsureBlog
  • SHOP - Not as "Easy as Buying a Plane Ticket"

    30 Oct 2014 | 10:00 am
    Ohio is one of five states with early access to the Small Business Health Options Program (SHOP). The SHOP is the only place where an employer can receive a small business tax credit and offer multiple insurance companies and plans. With early access we have the green light to quote plans and rates for 2015 right now. Yesterday was my first "experience" in the system.One of my clients believes they will receive a substantial tax credit for health insurance. Their accountant told them it would be advantageous to take it - if they qualify. Last year they dropped…
  • From Bad to Worse...

    30 Oct 2014 | 5:30 am
    The 2015 Open Enrollment begins in a couple of weeks, and carriers, agents, HHS and all the rest are busy gearing up for it.That's the good news.Sort of.Here's the reality: if you're thinking about buying on the ObamaTax Exchange, be sure your LifeLock plan is paid up:"IRS Warned about Protecting Taxpayer Information on Health Exchanges ... The IRS must do more to ensure that federal tax information submitted to the ACA exchanges is protected and prevent its unauthorized disclosure"Or else ... what? It's not like the current administration has a track record of going after its own (cf: Secret…
  • Cavalcade of Risk #220: Tricks and Treats edition

    29 Oct 2014 | 1:48 pm
    Louise Norris has a real bag of goodies for us this week, with risky posts from drones to (metaphorical) tsunamis. And not a marshmallow peanut in sight. Original content copyright © InsureBlog
  • A Holly Jolly LinkFest

    29 Oct 2014 | 11:00 am
    Our good friend Holly R sends us some interesting links:■ We've written before about how carriers have gotten, erm, imaginative in their efforts to rein in costs under the ObamaTax regime. In addition to rx limitations, another neat "trick" is to unbundle the cost of care:"The therapist worked out of a local hospital ... he was surprised when the bill for each visit contained two charges: the approximately $100 he expected to see for the therapist — and a similar fee for the room, which was not covered."Making it that much more challenging to predict the actual cost of care, and…
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    Workers Comp Insider

  • All Treats No Tricks Cavalcade of Risk

    Julie Ferguson
    30 Oct 2014 | 7:28 am
    It's the All Treats No Tricks Cavalcade of Risk this week! Louise Norris is hosting over at Colorado Health Insurance Insider. You may recall that Louise just hosted Health Wonk Review too, whew - she's in demand!...
  • Health Wonk Review - the falling leaves edition

    Julie Ferguson
    23 Oct 2014 | 5:31 am
    Louise Norris has posted the falling leaves edition of Health Wonk Review at Colorado Health Insurance Insider. It's a packed, pre-election edition covering a smorgasboard of topics, from open enrollment and the continuing saga of Obamacare to Ebola and prayer groups. Many thanks to Louise and Jay Norris for hosting. Don't know about where you are, but here in New...
  • Ebola, Workers Comp, worker safety & other insurance considerations: an A to Z industry round up

    Julie Ferguson
    22 Oct 2014 | 5:36 am
    What's the verdict on Ebola and workers' comp? We've gathered a roundup of what industry leaders are saying on this topic, as well as broader insurance issues. While Ebola and workers comp claims might be a relatively negligible issue, the larger issue of protecting workers from infectious disease is always one worth considering. Plus, there are other ways that Ebola...
  • Cavalcade of Risk #219

    Julie Ferguson
    15 Oct 2014 | 3:05 pm
    Russell Hutchinson has posted the 219th edition of Cavalcade of Risk at moneyblog. Catch up on various risk-related issues, including reports from New Zealand. Russell is our ongoing global correspondent!...
  • And The Winner Is.....

    Tom Lynch
    10 Oct 2014 | 7:46 am
    California! Again! Early this week, Oregon's Department of Consumer and Business Services published its biannual rankings of state workers' comp costs (by the way, did you know that "biannual" means both twice a year and once every two years? English is a funny language). Kudos to Jay Dotter and Mike Manley for once again separating the wheat from the chaff....
 
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    Managed Care Matters

  • Friday catch-up

    Joe Paduda
    31 Oct 2014 | 7:30 am
    Lots happening in the workers’ comp world these days – here’s what caught my attention this week. WCRI released its CompScope report, which is actually 15 separate reports covering 16 states.  I’ll be reviewing it in detail next week; for those who can’t wait you can find the summary of the news on Illinois here.  WCRI will be releasing other highlights over the next couple of weeks. The good news in IL is the change to the fee schedule has had the desired effect; costs are about 20% lower.  That’s the good news; but all is not rosy. PT continues to…
  • CorVel’s quarterly revenues up, profits down

    Joe Paduda
    30 Oct 2014 | 10:13 am
    I haven’t looked into CorVel for some time now, but a tipoff from WorkCompWire got my interest – specifically a passage that read: Revenues for the quarter ended September 30, 2014 were $124 million, a 4% increase over the $119 million in revenue in the quarter ended September 30, 2013. Earnings per share for the quarter ended September 30, 2014 were $0.37 and were $0.41 for the same quarter of the prior year. [emphases added] This was pretty much identical to CorVel’s press release.  Normally there’s a percentage given for any change over a prior period; that…
  • The GOP wins the Senate – implications for ACA

    Joe Paduda
    28 Oct 2014 | 9:37 am
    While by no means certain, it looks as if the GOP is going to gain control of the US Senate in January.  What, if any, are the implications for PPACA? There’s a good piece in today’s California Healthline digging into the issue; it cites two potential priorities for a GOP-dominated Congress.  Slowing or continuing to delay the employer mandate, and eliminating/ravamping the risk corridors seem to be the most likely approaches. However, there’s a bit of political risk in that, as many GOP backers want ACA repealed; they may see “fixes” as compromise, a very bad…
  • Friday catch-up

    Joe Paduda
    24 Oct 2014 | 4:46 am
    Here’s a quick tour of what else happened this week… First, let’s just relax about Ebola.  Yes, a physician in NYC – who treated patients in Africa – has come down with the disease.  Yes, he traveled on the subway and went bowling before he was diagnosed.  No, this doesn’t mean there’s a nascent epidemic, the City needs to go into lockdown, and residents should panic. Ebola is hard to catch – a symptomatic victim has to share bodily fluids with another person for the virus to be transmitted. You don’t get it from a bowling ball or…
  • Leaves are falling, and wonks are opining!

    Joe Paduda
    23 Oct 2014 | 1:19 pm
    Thanks to Louise Norris, Colorado’s leading expert on all things health insurance related, for hosting this biweek edition of Health Wonk Review. Among the submissions are several on Ebola, including a very good piece on CDC Director Dr. Thomas Frieden.  I’ve been a bit shocked at the piling-on suffered by the good doctor; everyone from Bill Maher to Mitch McConnell has had nasty things to say about him and his agency – most of which is ignorant blather. There’s also a great synopsis of a post on health reform’s human side.  Something we forget far too often.
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    Insurance Industry Blog

  • Happy Halloween – With Insurance

    Claire
    31 Oct 2014 | 5:13 am
    As you prepare to welcome a throng of Frozen Elsas and Olafs to your front door, you may not be thinking about insurance but we’re here to tell you, you’re covered. The Insurance Information Institute (I.I.I.) points out that standard homeowners and renters insurance will provide coverage for the following: • Vandalism: In the event your home or your personal possessions are damaged by neighborhood tricksters, homeowners and renters insurance policies provide coverage for vandalism and malicious mischief. You are on your own, however, when it comes to removing the toilet paper from your…
  • Higher Satisfaction With Auto Insurance Claims Process

    Claire
    28 Oct 2014 | 6:52 am
    Despite an increase in the number of more complex physical damage claims, auto insurers are doing a better job of handling these types of claims. The just-released J.D. Power 2014 U.S. Auto Claims Satisfaction Study finds that overall customer satisfaction with the auto insurance claims process has improved steadily during the past five years to 857 on a 1,000-point scale in 2014, up from 842 in 2010. What’s more, customer satisfaction with more complex claims – those in which vehicles have significant structural damage and need to be towed – has also increased. Satisfaction with total…
  • Why Insurer Climate Risk Responses May Vary

    Claire
    24 Oct 2014 | 7:19 am
    I.I.I. chief actuary Jim Lynch offers his perspective on how insurers are responding to climate change: The insurance industry got a report card this week on a test I’m not sure they knew they were taking. And the grading curve was, in my opinion, harsh. Ceres, a nonprofit group that promotes sustainable business practices, rated 330 insurers – life, health and property/casualty – on how well they are responding to climate change. Before I wade further into the topic, it is important to acknowledge that insurance companies and their managers have a range of opinions on global warming…
  • The Importance of Having a Cyber Liability Policy

    Claire
    21 Oct 2014 | 8:24 am
    As the number of companies suffering a data breach continues to grow – with U.S. retailer Staples now reported to be investigating a breach – so do the legal developments arising out of these incidents. While companies that have suffered a data breach look to their insurance policies for coverage to help mitigate some of the enormous costs, recent legal developments underscore the fact that reliance on traditional insurance policies is not enough, notes the I.I.I. white paper Cyber Risks: The Growing Threat. A post in today’s Wall Street Journal Morning Risk Report, echoes this point,…
  • NOAA: Extreme Cold and Snow Unlikely This Winter

    Claire
    17 Oct 2014 | 8:25 am
    Winter storms caused $1.9 billion in insured losses in 2013, five times higher than the $38 million in damages seen in 2012, so it’s good to read via NOAA’s U.S. Winter Outlook that a repeat of last year’s winter of record cold and snow is unlikely. In a release, NOAA’s Climate Prediction Center says: Last year’s winter was exceptionally cold and snowy across most of the United States, east of the Rockies. A repeat of this extreme pattern is unlikely this year, although the Outlook does favor below-average temperatures in the south-central and southeastern states.” While the South…
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    Go Health Insurance Blog

  • 5 Ways to Have a Healthy Halloween

    GoHealth
    30 Oct 2014 | 8:15 am
    Halloween: the night of haunted houses, freaky costumes, and yes, candy. We all know candy is not the healthiest option, especially for children. The average child eats a mind-blowing 3,500 to 7,000 calories just from candy on Halloween night. To ensure your child doesn’t become this statistic, here are a few tips to consider while trick-or-treating this Halloween. Set Clear Limits On the spooky holiday, 82 percent of parents set rules to keep their kids from going overboard on Halloween sweets and treats. Let your kids know before you head out trick-or-treating that they’re allowed…
  • 4 Ways to Prepare for Rising Health Care Costs

    GoHealth
    27 Oct 2014 | 11:32 pm
    Open Enrollment for 2015 coverage begins on November 15, and although health plan choices are increasing this year, so is the overall cost of health care. According to a report from PricewaterhouseCooper’s Health Research Institute, health care costs are expected to rise by 6.8 percent over the next year. While you might see some increases to your health care costs, there are a few ways that you can attempt to minimize them for 2015. Explore Your Plan Options While it may seem easy to passively re-enroll in coverage, it might not be the most cost-effective choice for you and your family.
  • Why Automatic Re-enrollment Might Not be Your Best Bet

    GoHealth
    20 Oct 2014 | 11:30 pm
    On November 15, the second Open Enrollment Period will begin, allowing you to enroll in health care coverage under the Affordable Care Act. If you don’t have health insurance, this is the time to sign up; if you do have coverage, it’s important to reevaluate your health care needs. If you’re one of the 7.3 million people who purchased coverage through the Marketplace last year, or you purchased coverage through your state-based marketplace or the GoHealth Marketplace, you may have the option to passively re-enroll by taking no action. Be warned though: doing so might mean missing out on…
  • Does My Health Insurance Cover Ebola?

    GoHealth
    20 Oct 2014 | 1:45 pm
    Lately, it may seem like you can’t get through the day without hearing about Ebola on the news, on Facebook, or through lunchtime gossip. The country has finally waded through the initial hysteria over the West-African disease, and we have learned that Ebola is difficult to transmit. That being said, it is still a good time to review basic health coverage to answer somewhat-serious health care questions.   What We Know If you were to contract the disease, you should know that insurance companies cannot decline coverage specifically for Ebola. Under the Affordable Care Act, health…
  • Get Ready to Enroll

    GoHealth
    15 Oct 2014 | 7:34 am
    November 15 is just a few weeks away, which means your chance to enroll in health insurance during the National Open Enrollment Period is almost here. Now is the time to explore all of your health insurance options so you can ensure you find the best, most cost-effective plan for you and for your family.
 
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    JohnConner.com

  • Anthem Medicare Advantage Los Angeles County 2015

    John
    6 Oct 2014 | 2:53 pm
    If you live in Los Angeles County and you have a Medicare Advantage PPO plan including the Anthem Medicare PPO, you will need to change plan during this open enrollment period for 2015. There are NOT any Medicare Advantage PPO’s in Los Angeles County, Santa Clara, San Mateo, Ventura, Alameda, Contra Costa, Sacramento and Sonoma County, along with many other. If you are looking for a Medicare Advantage PPO, click here to see what counties they are available in. If you currently have the Anthem Medicare Advantage Preferred PPO plan in Los Angeles County, you have most likely received the…
  • 2015 Blue Shield of California Medicare Advantage 65 Plus HMO

    John
    2 Oct 2014 | 2:58 pm
    With a 2015 Blue Shield 65 Plus HMO Medicare Advantage plan, you get a health plan with a 4-Star quality rating from CMS with no monthly premium – and that’s just the start. Available in the following Counties: Los Angeles, Orange, San Bernardino, Riverside, Contra Costa, Fresno, Santa Clara, Ventura, San Diego and Sacramento. Blue Shield 65 Plus gives you: $0 plan premium. $0 copay for X-rays and basic lab services. Low or no copay for primary care doctor visits. Prescription drug coverage included (Part D). Vision and hearing coverage. A basic health club membership –…
  • 2015 Anthem Medicare Advantage Plans in California

    John
    2 Oct 2014 | 8:48 am
    For 2015 Anthem Blue Cross is offering HMO, PPO and Duel Eligible HMO Medicare Advantage plans.   Anthem Select HMO, the Blue Cross Senior Secure I HMO, both have a $0 monthly premium.  Anthem is also offering their Medicare Advantage Preferred Standard PPO plan in 5 Counties, along with Duel Eligible’s HMO plans for people on both Medicare and MediCal. Anthem offers HMO, PPO and Duel Eligible Medicare Advantage plans California.  Click on the County for the Rate and Plan Outline … PPO Medicare Advantage … Orange  –  San Diego  –  Riverside  –…
  • 2015 Los Angeles County Medicare Advantage Plans PPO HMO

    John
    1 Oct 2014 | 7:51 am
    The 2015 Medicare Advantage year in Los Angeles County, there are only HMO plans without one PPO available to L.A. residents. If you live in Los Angeles and are looking for a Medicare Advantage PPO plan you are out of luck Anthem is offering two HMO plans for Los Angeles County in 2015.  If you need freedom of choice with doctors and hospitals you will need to look into a Medicare Supplement plan. If you currently have a Medicare Advantage PPO in Los Angeles County you will be able to switch to a Medicare Supplement of your choice .. guaranteed.  No health questions or underwriting.
  • Seven Corners Travel Insurance

    John
    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…
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    Irish Life Blog

  • Halloween in Ireland!

    Colin O'Hara
    30 Oct 2014 | 8:09 am
    We’re a strange old bunch, aren’t we? When not shunning our Mammies on Facebook, we’re off donning black bin bags and hiding jewelry in baked goods. Halloween’s around the corner, and he’s dressed in a Captain America muscle suit, so it’s time to let you all know what we’ve learned about how people in Ireland celebrate this time of year. Among other things, we found out that; – 40% of us carve our own pumpkin each year. – Over 4 in 10 of us have watched the Movie Halloween on Halloween night. Plenty more like that in our Infographic below.
  • Our take on Budget 2015

    Irish Life
    15 Oct 2014 | 4:13 am
    Budget day in recent years has been a stressful time for Irish families. So in many ways budget 2015 was a welcome relief, bringing as it did a series of tax cuts and relief measures to Irish households. The economic and fiscal backdrop to the 2015 budget is the most favourable since the beginning of the financial crisis, and contributed to the government’s decision not to adopt the €2bn budget adjustment which had been planned a year ago. This is evident in the recent GDP release for Quarter 2, which showed the economy growing 7.7% year on year. Domestic demand is now contributing…
  • We Know Irish life – And we know your social media habits!

    Colin O'Hara
    9 Oct 2014 | 4:22 am
    With over one million customers in Ireland and 75 years in the business, we know a thing or two about Irish Life. But we like to keep on top of things! So we did a little research on Ireland’s social media habits. What did we find? Well, broadly, we found out that Irish people are very careful when it comes to how their Facebook profile looks; • 1 in 5 only post things on social media that make them look exciting • Only 55% allow themselves to be tagged in images on Facebook • 37% only check-in on Facebook if they are somewhere interesting One can only wonder why… • 40% of…
  • Mechanical Picnic

    Colin O'Hara
    24 Sep 2014 | 4:46 am
    Stradbally may be synonymous with Electric Picnic in the eyes of many, but its only the second largest mass cultural event to take place in the county Laois town this year. For those in the agri community, the National Ploughing Championships are one of the highlights of the year, and a must-attend event. Europe’s largest outdoor exhibition and agricultural trade show attracts over 200,000 visitors annually. The Ploughing championships are also great fun. We know, because for the second year running we’ve donned the wellies and set up camp. You can find us in; The Duhallow tent,…
  • 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…
 
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    Insurance

  • Service Spotlight: Maureen Felizzi

    Fran Shaw
    23 Oct 2014 | 2:02 pm
    Miller’s Insurance Agency truly values not only their clients, but their employees. This month we’re highlighting Maureen Felizzi, who’s a trusted Personal Lines Producer. Her energetic personality and ability to exceed clients’ needs makes Miller’s Insurance Agency a profound place of business. 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. How did you get started working at Miller’s? “I’ve been…
  • Fire Safety Tips for Fall

    Fran Shaw
    23 Oct 2014 | 1:40 pm
    Fall is a favorite season for a lot of people. With the beautiful colors, crisp mornings, smell of bonfire and taste of hot cocoa, this comes as no surprise. The colder weather and nonstop football games temp many of us to spend a little more time inside our homes; but before you curl up next to your fireplace take a look at the safety tips we’ve compiled just for you. Is Your Furnace Serviced? Call up your heating and cooling company before that chilly autumn weather sets in. You’ll want them to make sure your furnace is in working order and to ensure that there are no leaks…
  • Top Five DIY Halloween Costume Ideas

    Fran Shaw
    23 Oct 2014 | 11:56 am
    Saving you Time and Money This Spooky Season Halloween’s just around the corner, are you prepared? If not, don’t worry just yet; Miller’s has the five greatest do-it-yourself costumes that will have the whole neighborhood talking about your creative skills. Why waste money on a costume your child will wear once when you can create one easily for free! Your only job is to add endless amounts of candy to your shopping list, we’ll take care of the rest. Bubble Bath Your son or daughter likely isn’t too fond of bath time, but they’ll love this version! Take an…
  • How Does Our Site Load This Fast?

    Fran Shaw
    7 Oct 2014 | 10:11 am
    Have you noticed how fast this site loads? Here’s a speed test I just ran: Go ahead and test it out, here are a few site speed testing services you can try: Pingdom Tools GTMetrix WebPageTest So what’s the secret sauce? Well it’s none other than SiteGround’s GoGeek hosting package. If you’ve been involved in […] The post How Does Our Site Load This Fast? appeared first on WP RSS Aggregator.
  • Introducing the free Feed Creator Service

    Fran Shaw
    30 Sep 2014 | 5:52 am
    The Feed Creator is a tool that you can use to create RSS feeds from webpages that do not provide their own feed. Couple this with WP RSS Aggregator and you will be able to import content from virtually any page on the web! Best of all it’s easy to use! All you need is […] The post Introducing the free Feed Creator Service appeared first on WP RSS Aggregator.
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    Blog

  • Join the AFL-CIO for Special Election Day Tweet Chats!

    31 Oct 2014 | 10:15 am
    Election Day on Tuesday will be a busy day, with so much information coming in, it'll be a challenge to sift through all the details and figure out what it all means for working families. Luckily, we've got that stuff covered for you. Join us on Twitter for three Tweet chats throughout the day that will help you understand what all the results mean and get plugged into Election Day activities. 
  • Call Now So You Don’t Get Creeped Out on Election Night

    31 Oct 2014 | 9:00 am
    When Creepy the Clown elicited only screams and door slams during his first precinct walk, he knew he had to find another way to move voters to get out the vote and support working family candidates on Election Day. 
  • Gebre Hits the Streets in Colorado to Get Out the Vote

    31 Oct 2014 | 6:30 am
    Loretta Muñoz, a Denver resident, knows that this midterm election is just too important to ignore. She said:There are many issues that will be determined by this election. Like immigration reform. My husband is a naturalized citizen, and we are using our vote to tell politicians to support our community.
  • Here’s What We’re Reading: Friday News Roundup

    31 Oct 2014 | 6:00 am
    Here are some headlines from the working families’ news we're reading today (after the jump).
  • Mike Michaud, Mark Schauer Among Hundreds of Union Member Candidates Running for Office

    30 Oct 2014 | 11:00 am
    Hundreds of union members are running for elective office this year. Some are first-timers running for local office. Others are incumbents seeking re-election to the U.S. Senate. We've examined a few of these brave individuals willing to fight for working families, such as Mike Michaud (running for Maine governor), Mark Schauer (running for Michigan governor) and  Don Norcross (running for New Jersey's 1st Congressional District). Here are a few other key races where union members are running.
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    IFAwebnews.com | P/C insurance

  • Seward, Comer, Collins: Virginia personnel news

    IFAwebnews Staff
    29 Oct 2014 | 7:00 pm
    David Seward David Seward has joined regional life brokerage general agency Dixon Wells Inc. as regional sales director in its Richmond, Va., office. Seward had been the president and owner of the Seward Insurance Group, a life and health insurance agency in Richmond, and has been an agent for more than 38 years. Roger Comer Roger Comer joined MEMIC Group as senior production underwriter, serving agents in Northern Virginia and Maryland, based in the Tysons Corner, Va., office. Comer brings more than 12 years of insurance industry experience to the MEMIC team and will be responsible for…
  • Collins, Comer, Harstein: Maryland personnel news

    IFAwebnews Staff
    29 Oct 2014 | 6:45 pm
    Jim Harstein Jim Hartstein, agency manager of The Insurance Market in Salisbury, Md., was elected to a two-year term on the Greater Salisbury Committee Executive Committee. The Insurance Market has offices in Delaware and Salisbury. Roger Comer Roger Comer joined MEMIC Group as senior production underwriter, serving agents in Northern Virginia and Maryland. Comer brings more than 12 years of insurance industry experience to the MEMIC team and will be responsible for identifying areas of opportunity and growing new and renewal business. Comer was most recently the Marketing Underwriter for…
  • Potential growth in cyber insurance linked to customer education

    IFAwebnews Staff
    28 Oct 2014 | 9:17 am
    The biggest challenge in selling cyber insurance is educating businesses about the need for cyber coverage, according to a new survey conducted by Hanover Research and sponsored by ISO. ISO is a unit of Verisk Analytics. The survey of insurance professionals found that among carriers offering cyber insurance, 40% say companies don’t think they need cyber coverage and 29% believe they’re already covered under existing policies. Only 12% say the biggest challenge is that premiums are too high. These results come as the cyber insurance market continues to grow, with most insurers…
  • Top 10 market conduct issues for U.S. insurers

    IFAwebnews Staff
    28 Oct 2014 | 7:10 am
    Wolters Kluwer Financial Services has unveiled lists of the top criticisms found on U.S. property and casualty and life and health insurance market conduct actions, as recorded by state insurance regulatory agencies. This is the tenth year the company has compiled and released the data to the insurance industry, based on its annual review and analysis of results from the previous year’s state exams. Kathy Donovan Research by the company’s regulatory experts reveals the key compliance issues that continue to impact insurance companies include claims-handling, underwriting and producer…
  • Fed seeks rule requiring flood insurance escrow accounts

    IFAwebnews Staff
    25 Oct 2014 | 1:44 pm
    Proposed federal regulations would require property owners who pay for flood insurance in special hazardous areas to have their premiums automatically set aside in escrow accounts. The Federal Reserve and the Office of the Comptroller of the Treasury could ensure that homeowners who live in flood-prone areas remain current on their flood insurance policies. The banking regulators want to expand rules to ensure that federally regulated lenders are able to make sure that those borrowers who are required to have flood insurance under their lender agreements do not drop the coverage. Union Beach,…
 
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    Insure Life Surpasses Your Expectations

  • 10 critical success factors for permanent life insurance plans, Pt. 1

    30 Oct 2014 | 7:44 am
    Regardless of the complexity of a permanent life insurance plan, there are many factors that impact or contribute to its overall success. These critical success factors can be separated into the procurement phase or administration phase. The procurement phase includes all items in the sale and the implementation of the life insurance plan, including the carrier and product selection, policy design, application and underwriting process. The administration phase includes all aspects after the life insurance plan is in place. Based on lessons learned, below are 10 procurement phase critical…
  • Top Ten Life Insurance Benefits

    9 Oct 2014 | 5:55 pm
    Life insurance products are purchased for a variety of purposes since they can provide many benefits to plan stakeholders.  Below is a list of my current top ten benefits for life insurance plans (in no particular order):Death Benefits – Death benefits are cash benefits that are payable upon the insured’s death.Living Benefits – Living benefits are cash benefits that may be payable during the life of the insured.  Living benefits may include accessing cash surrender values via withdrawals, surrenders, and/or loans, the payment of long term care or disability benefits, or…
  • 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…
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    Insurance Forum

  • How Many in 30 Days?

    FLM2
    31 Oct 2014 | 2:10 pm
    Thanks to our wonderful POTUS we have only 30 days to deal with an entire book of business either renewing or being terminated. I just went through the list I have of clients that want me to help and it's already reached 200. Add to that more clients I haven't put on the list and referrals and it's even bigger. While I know it will get done the thought of dealing with upwards of 6-8 people per day for 30 days (including weekends), including a much larger number of subsidy apps, is certainly daunting. One thing I've done is started scheduling virtual meeting on the hour beginning November 15
  • New Agent Needing Advice

    new_ky_ag
    31 Oct 2014 | 12:02 pm
    I am clueless as to how the Insurance field works when it comes to captive vs independent, how commissions work, how to go about getting appointed, and the ins and outs. I recently got licensed in Kentucky for life and health. I started working for an Independent broker that focuses on . Basically I have 14 years experience in the health field and have knowledge how Insurance works from the billing aspect. I have been in direct sales for about 7 of those years. I recently had to close my business down due to loss of a large group of Ortho doctors finding out they could provide the same serv
  • High Deductible Supplements

    Insuranceman
    31 Oct 2014 | 11:29 am
    I'm looking for a supplement plan that helps covers the OOP cost for high deductibles health insurance.
  • Universal Life Cash Value

    SamIam
    31 Oct 2014 | 10:19 am
    I have a client that use to be a life agent back in the 80's. He wants a universal life that builds cash value for his daughter. I suggested IUL with North American. He is against IUL and really hates whole life. If I just do a reg UL it's really not going to build cash value anywhere close to a IUL. Any suggestions or am I wrong. His daughter is 20 by the way. He mentioned Jackson National, I called them but they haven't called me back. Any suggestions?.
  • Ancillary Product and Added Revenue Stream

    moretrax
    31 Oct 2014 | 9:16 am
    About a month ago, I happened to find a website offering telemedicine, or telehealth services. I signed up for this service for myself and I'm glad I did. I came down with a sinus infection and decided to use this service provided by HealthiestYou. After providing some information on the website about my condition, I was contacted by a licensed medical practitioner within an hour who diagnosed my condition and provided an escript for antibiotics. Sinus infection eliminated. Using this service, I did not have to go to an Urgent Care center, have a copay, and then go straight to the pharma
 
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    bestcarinsurancecompanies.net

  • How to Find the Best Car Insurance Company

    27 Oct 2014 | 10:01 am
    When shopping for car insurance, there are dozens of companies to choose from. With all the claims of saving hundreds, vanishing deductibles, and coverage to choose from, it can become really overwhelming choosing one to go with. How is it possible to choose the best car insurance company out there? Ultimately, it’s important to go with the company that best suits your budget, needs or preferences. Here are a few things to look out for: Understand Coverage The first step is to understand the types of coverage you need. Research and talk to others about what coverage is required in your…
  • CURE Auto Insurance Review

    24 Oct 2014 | 11:59 am
    New Jersey’s Citizens United Reciprocal Exchange (CURE) Auto insurance is a company in the business of providing auto insurance coverage to consumers at a fair price. The company, based in Princeton, New Jersey, has been in the business since 1990 and employs a not-for-profit business model. CURE provides automotive insurance which includes the following: bodily injury liability, property damage liability, personal injury protection, and coverage for accidents involving uninsured and underinsured motorists, as well as collision and non-collision coverage. A Different Kind of Insurance…
  • Reduce Your Insurance Costs? There’s An App For That

    16 Oct 2014 | 8:52 am
    It’s long been an established rule of the auto insurance industry: by keeping rates fairly uniform, people who drive their cars less are, on average, paying more for their insurance based on use than heavy drivers. One San Francisco-based tech company, however, is aiming to change that for good. How it Works Metromile is a new startup that’s packed a one-two technological punch to save drivers money on their insurance: installing a small GPS device that attaches to your car, the company records your actual mileage. That gets sent back to Metromile, who can charge a lower, per-mile…
  • Is Car Rental Insurance Worth the Money?

    14 Oct 2014 | 6:27 am
    You’re at the checkout counter getting ready to pull off in your rental car, and a sales rep asks if you’ll be taking the optional rental car insurance… what should you do? On one hand, adding the rental car insurance would cost you an extra $20 or more per day. However, if you should happen to get into an accident in the rental car, are you covered and are you willing to take that risk? Cost of Rental Insurance vs. Traditional Insurance Before saying yes or no to this insurance policy you should first consider all of your options. Factors that should be considered include the cost of…
  • How Much Does Mileage Affect Auto Insurance Rates?

    7 Oct 2014 | 12:46 pm
    There are several factors that impact car insurance rates—mainly, what the person is using the car for, how often the person drives, and the annual mileage. The annual mileage can be described as the amount of miles the motorist puts on the vehicle per year whether it is commuting for work, errands, business trips, or road trips. Average Mileage The average person with a car drives between 12,000 and 15,000 miles. It is the range that most car insurance companies use as a yardstick. A few companies, however, adhere to limits that are a little higher or lower than the aforementioned numbers;…
 
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    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • Do You Want to Reduce Your San Diego Home Insurance Premiums Right Now?

    MccormickInsure
    22 Oct 2014 | 9:28 am
    San Diego Home Insurance Everyone here at McCormick Insurance Solutions endeavors to find ways to keep our clients San Diego homeowners insurance as low as possible. We understand how important having the right kind of homeowner’s insurance is.  We also understand that you want your claims covered and you want outstanding customer service. Unlike some faceless internet company, we will always work more than “7 minutes” to find you the best possible combination of price, coverage and service for your insurance needs.  Here are a few things you can do right now to lower your…
  • Is Our Sharing Economy Creating News Risks For You?

    MccormickInsure
    8 Oct 2014 | 9:24 am
    San Diego Personal Liability Risk Your San Diego auto insurance and even homeowners insurance may be impacted by new technologies. We live in a digital world that now allows us to share everything from our car, bike, boat, apartment and even our home with total strangers. Smart phones, and the applications that can be added, offer many useful tools, but some of these things create new and increased liability for you. Before you decide to jump into the sharing economy consider the following: Do these sharing sites have the ability to protect your confidential information? Many times you are…
  • Does Your College Student Need Insurance?

    MccormickInsure
    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

    MccormickInsure
    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

    MccormickInsure
    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…
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    Property Casualty Insurance Blog

  • ISO ClaimSearch still qualifies as a central reporting agency for New York State

    Kate O'Kelly
    31 Oct 2014 | 4:24 am
    The New York Department of Financial Services (NYDFS) recently made changes to 11 NYCRR 62-2, also known as Regulation 96. NYDFS removed the outdated references to the Property Insurance Loss Register (PILR), the former name of ISO ClaimSearch. The new amendment updated the verbiage contained within the regulation. PILR was removed and replaced with “the central organization designated by the superintendent.” ISO ClaimSearch is still a qualified reporting service — a central organization with the current amendments to Regulation 96. ISO ClaimSearch presently reports to different…
  • Committed to keeping our data current

    Peter de Freitas
    30 Oct 2014 | 8:10 am
    The ProMetrix commercial property database of more than 3.5 million buildings is the crown jewel of Verisk Commercial Property’s services. It offers the details you need to make optimal underwriting decisions, and our ProMetrix customers know it’s an essential tool. We work diligently behind the scenes to provide insight to your decision making. Reliability, accuracy, and currency are vital. That’s why we systematically maintain and enhance the quality of our data. We add tens of thousands of newly surveyed buildings to the ProMetrix database each year. We also update properties already…
  • Changes in CSLN announced

    Kate O'Kelly
    30 Oct 2014 | 4:28 am
    The state of Alabama has announced that it has withdrawn from the Child Support Lien Network (CSLN). The decision to withdraw was based on changes in local government constraints, similar to when Oregon left the program in 2012. ISO ClaimSearch assists insurers in their reporting to state child support enforcement agencies that issue liens on insurance payments to parents who are delinquent in paying child support. The ISO ClaimSearch Child Support Enforcement Agency (CSEA) Reporting Service features two programs: the Child Support Lien Network (CSLN), which currently has participation…
  • Does Cyber across the Pond Differ from Cyber in the United States?

    Shawn Dougherty
    27 Oct 2014 | 6:59 am
    Earlier this month, I had the pleasure of attending the HB Litigation NetDiligence Cyber Risk & Privacy Liability Forum in Santa Monica. In addition to enjoying the wonderful California fall weather, I had the opportunity to listen to many experts talk about various timely cyber-related issues. One of the most interesting sessions I attended was “Cyber Risk – The London Perspective” with panelists Graeme Newman (marketing director at CFC Underwriting Ltd.), Chris Cotterell (CEO at Safeonline LLP), and Robert Parisi (senior vice president at the FINPRO unit of Marsh). Besides the…
  • ISO ClaimSearch audits: What you need to know

    Kate O'Kelly
    24 Oct 2014 | 6:15 am
    ISO ClaimSearch randomly audits customers to assure compliance with numerous protocols. Our audits — conducted on-site or online depending on company size — help verify the accuracy and legitimacy of records entered into the system, ensure privacy and procedural compliance, verify that user access authorization is accurate and up to date, and confirm that your company is in compliance with the ISO Privacy & Security Policies and participation agreements. Are you ready for an audit? Take a look at the elements of ISO ClaimSearch audits to make sure you’re prepared: Claim Inquiry…
 
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    Life Insurance Insights

  • Leadership Part 10

    Mike
    30 Oct 2014 | 8:00 am
    Delegation is important, but there are advantages for a leader to get personally involved. Make Yourself Available—Be Helpful If people are to follow you, they must have access.  No, don’t hover, but do let them in.  With this said it is also important to respect a chain of command and to realize that time is a non-renewable asset. So there will be occasions when you must restrict access. Following the chain of command need not preclude a leader from speaking with a person down the organizational chart.  In fact, leaders who allow—even encourage—easy access often learn much that is…
  • Leadership Part 9

    Mike
    28 Oct 2014 | 8:00 am
    Why don’t leaders delegate and what are the consequences? Failure to Delegate Leaders who fail to delegate usually do so for one of the following reasons: They are afraid that if they don’t do it themselves, it won’t be done right. They are afraid of being shown up. The people to whom they can delegate are truly incapable, incompetent or unqualified. If you want to be a leader and have difficulty delegating, it’s time for some self evaluation.  Which of these rationales are you using?  It could be a combination of these factors.  Let’s take a look at each of these points: I’m…
  • Leadership Part 8

    Mike
    23 Oct 2014 | 8:00 am
    The third trait of Leadership is People skills. People Skills The first element of people skills is to select the right people to help you toward your goals.  Select the brightest, most capable people you can find.  Select people who will challenge you.  Find those who want your job.  Don’t be afraid that your subordinates will look better then you.  Others will measure you by how good your subordinates look, so if they look good, you will look good.  If they really are so darn good that they could take over your job, that’s alright because they probably won’t stop at your job. …
  • Leadership Part 7

    Mike
    21 Oct 2014 | 8:00 am
    More on the aspects of Positive Attitude required of leaders. Maintaining a Positive Image Making decisions is part of a leader’s responsibility.  Som e will be popular; others will not be.  When those tough decisions need to be made it must not affect your positive attitude.  The leader must move forward in a totally positive manner.  To do this they must research all facets surrounding the matter and then proceed with a passionate, positive approach that spurs on their followers. Leaders must stay the course believing that their plan will work.  They must not waiver.  They must…
  • Leadership Part 6

    Mike
    16 Oct 2014 | 12:00 pm
    Continuing on the importance for leaders to have a Positive Attitude Feel Good About Yourself Come on!  You do have good qualities.  What are they?  Make a list.  Are you smart, caring, understanding, well educated, well connected?  Do you smile a lot?  Are you a good public speaker; capable writer?  Do you look good when you dress up?  Do you have good health?  Are you good with numbers?  A good lover?  Are you dependable; show up on time?  Are you creative?  What about your organizational skills? Work on this list and make it as long as possible.  While you’re at it, also…
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    SelectNews Blog

  • 10 Efficiency Tips for Busy Parents

    SelectQuote
    30 Oct 2014 | 8:00 am
    Managing a home and a family can be very rewarding experiences with the right amount of attention. Life may seem chaotic at times with work, school, clubs, sports, washing, maintenance, cleaning, bill paying, gardening, dentist appointments, visits to the vet, and more. Any parent reading this will relate to that list and mentally add a few more items of their own. Running a more efficient household requires a parent to handle multitasking with ease. However, reaching that desirable state takes diligence and a commitment to routine. Following the 10 steps below will help any busy parent to…
  • Can Pets Keep You Healthy?

    SelectQuote
    23 Oct 2014 | 11:00 am
    Pet owners have long known a simple truth – pets provide a calming and soothing experience that can deliver a wide spectrum of real health benefits. A day in the life of a pet owner seems normal, but the pet-specific activities that owners experience daily provide a sense of comfort and friendship that others don’t see. These activities, among many others, are great for the average pet owner and can collectively contribute to a greater sense of health and well-being. The following are some of the key health benefits that pet owners enjoy: Simple exercise: Yes, dogs really do need to…
  • The Connection Between Weight & Health

    SelectQuote
    16 Oct 2014 | 11:00 am
    Though being overweight will likely always be considered an additional health risk factor, the notion that overweight individuals are “doomed” is quite incorrect. “Active obese individuals actually have lower morbidity and mortality than normal weight individuals who are sedentary … the health risks of obesity are largely controlled if a person is physically active and physically fit.” -The President’s Council on Physical Fitness and Sports Sure, we all know that being overweight is less healthy than carrying an “appropriate” amount of weight on our frames. We also…
  • Stop Stressing Now: 5 Healthy Habits to Reduce Anxiety

    SelectQuote
    10 Oct 2014 | 5:25 am
    By managing your stress, you can have a healthier life. Stress is more than an inconvenience – in fact, studies have shown that those who experience high levels of stress may be at increased risk of being diagnosed with a serious illnesses or disease. We’ll take a look at several ways to help you better manage the stress and anxiety that is so commonplace these days. First, what can possibly contribute to high levels of stress in individuals today? Can it be the increased time spent in gridlocked traffic when compared to twenty years ago? Or, can the increase in working hours that most…
  • Life Is Short [Infographic]

    SelectQuote
    8 Oct 2014 | 11:14 am
    As we hit life’s milestones, we often reflect upon our past years and what we want to do in the future. Did you have goals? Did you accomplish them? Are you making the most of the life that you live? It is important to keep track of your time because we all know far too well how quickly it passes. Here are some of the most time-consuming ways people spend their lives. How are you going to spend yours? Post this on your site (Embed Code): The post Life Is Short [Infographic] appeared first on SelectNews Blog.
 
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    Shift Insurance Blog

  • 7 Things That Separate Your Insurance Agent from the Pack

    23 Oct 2014 | 10:35 am
      The internet can be a goldmine for seeing reviews and getting other information about a potential car insurance agent's customer service skills.  Still, though, if you want to work with the very best, you've got to do a little bit of homework. So, how do you find an agent that’s ahead of the pack? Easy!  Just look for these 7 things: 1.  Variety If you’re dealing with a “captive” agent, it means that he can only sell you a policy from one insurance company.  If you want to see what other insurance companies have to offer, you’ll have to…
  • How Can You Resolve Your Insurance Claim as Quickly as Possible?

    15 Oct 2014 | 1:58 pm
    So far, it's just like any other day… You're on your way to work, listening to the latest hit from Pharrell -- when, all of a sudden, you hear squealing brakes and crunching metal.  The jolt is a big one, and that's when you realize YOU were just involved in an accident!  Luckily, you seem to be OK, but your car isn't.  You've got to get it fixed as soon as possible, which means you've got to get your insurance claim taken care of as soon as possible. But how exactly do you do that? Your accident may have taken place in a split second, but unfortunately, it can take much…
  • Using Your Personal Car for Work -- How Will It Affect Your Insurance?

    22 Sep 2014 | 10:00 am
    It seems like no big deal.  You decide to take a part-time job delivering pizzas, and you've got to use your own car to do it.  You've got car insurance that exceeds California's legal liability minimums, so everything should be fine, right?  What's the worst that can happen? If you get into an accident, your insurance company can deny your claim altogether -- leaving you on the hook financially for any damage and injuries that occurred! Using your personal car for work is a tricky situation.  Even if you don't use it all the time, big problems can arise if you get into an…
  • 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. …
 
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    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • Making a claim if you are hit by an uninsured driver

    qldb_admin
    27 Oct 2014 | 10:36 am
    If you are involved in an accident with an uninsured driver things can quickly get complicated. As there is no third party to claim against you can be left seriously out of pocket, but there are steps you can take to help recoup your costs. Every year uninsured drivers cause 130 deaths and more than 26,000 injuries. Driving without insurance is illegal and offenders can be issued with a fixed penalty of £300 and receive six penalty points on their license. If the case goes to court the maximum fine can climb to £5,000. Despite the potentially harsh penalties it’s estimated that there are…
  • How much does it really cost to learn to drive?

    qldb_admin
    23 Oct 2014 | 9:14 am
    Learning to drive is an invaluable lifelong skill, but passing your test doesn’t come cheap. Parents may want to look away as we add-up the real cost of learning to drive. Provisional Driving Licence Before you even sit behind the wheel the expenses start adding-up. The first thing you need is a provisional driving licence which you can apply for shortly before your 16th birthday although you’ll have to wait another year before you can drive a car. You can apply for a provisional licence online or via the Post Office. Cost: £50.00 Driving Lessons It’s impossible to say how many driving…
  • Safety on Bonfire Night

    qldb_admin
    20 Oct 2014 | 7:13 am
    Bonfire Night has been celebrated across the country ever since Guy Fawkes’ botched attempt to blow up the House of Lords way back in 1605. In fact, it was illegal not to celebrate November the 5th until as recently as 1959! Today’s celebrations are all about family fun and Bonfire Night provides the perfect excuse to dress-up warm, get your teeth stuck into a toffee apple and enjoy the fireworks.  However, it’s important to remember that fireworks can be dangerous and every year 1000 people are injured on Bonfire Night. The following steps are designed to make sure that your party…
  • After 93 Years it’s Bye-Bye to the Paper Tax Disc

    qldb_admin
    17 Oct 2014 | 9:59 am
    On 1st October the country finally waved goodbye to the paper tax disc which first appeared on windscreens way back in 1921. The Driver and Vehicle Licensing Authority (DVLA) decided it was the end of the road for the paper disc and estimates that the new ‘digital tax disc’ could save the taxpayer £10 million a year in administration costs. At renewal you will no longer get a paper tax disc, but your details will be stored electronically at the DVLA. Roadside enforcement cameras will use Automatic Number Plate Recognition technology to identify tax dodgers who will receive an £80.00…
  • How to keep your child safe around dogs

    qldb_admin
    14 Oct 2014 | 11:08 pm
    Dog attacks on children are never far from the headlines and sadly the number of hospital admissions keeps on rising. Every year more than 200,000 people are bitten in the UK costing the NHS an estimated £3 million in treatment. We look at what steps can be taken to make sure children are safe around dogs, and hopefully prevent every parent’s worst nightmare. Dog owners should brush-up on basic canine psychology to help them understand how their pet may behave around children. Dogs are pack animals driven by instincts and if they believe they are higher up the pecking order than a child…
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    Insurance for Realtors and Real Estate Brokers

  • Realtors Sued over Surveys and Flood Plains

    jschildt
    28 Oct 2014 | 6:58 am
    In the news this past month came a pair of lawsuits with concerning implications for the real estate industry.  Real estate firms should note of the dynamics of each suit and take stock of their own internal risk management guidelines and insurance. The first case takes place in Pinellas County, Florida.  A Realtor was sued three years after acting as the buyer’s agent on a large waterfront home.  The home had a first floor that was finished with a number of bonus rooms including a game room and work out room.  However, the county sent a letter – addressed to the prior owners –…
  • Thirty Percent of House Disappears after Purchase

    jschildt
    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

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

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

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

  • 7 Seriously Creepy Haunted Roads

    Ellen Hall
    31 Oct 2014 | 5:00 am
    Old houses and deserted castles aren’t the only places where spirits lurk. See what awaits you on America’s most haunted roads. The post 7 Seriously Creepy Haunted Roads appeared first on The Esurance Blog.
  • Top 5 Spooky Signs of a Haunted House

    Anne Le Tran
    29 Oct 2014 | 5:00 am
    Haunted houses aren’t just for Halloween. In fact, you could be living in one. Here are the signs of a haunted house. The post Top 5 Spooky Signs of a Haunted House appeared first on The Esurance Blog.
  • 4 Ways to Make Your Halloween Haunt Safe for Trick-or-Treaters

    Emily Patz
    27 Oct 2014 | 1:16 pm
    Transforming your yard into a Halloween haunt is a great way to keep the holiday spirit alive once you’re past the acceptable age of trick-or-treating. Follow these 4 tips to ensure your frightful front yard display is a spooky (and safe!) success. The post 4 Ways to Make Your Halloween Haunt Safe for Trick-or-Treaters appeared first on The Esurance Blog.
  • The 10 Most Stolen Cars (and How to Prevent Yours from Being One)

    Emily Patz
    24 Oct 2014 | 5:00 am
    The FBI estimates that vehicle theft occurs every 42.8 seconds. And, according to the National Insurance Crime Bureau, the cars at risk are more common than you might think. The post The 10 Most Stolen Cars (and How to Prevent Yours from Being One) appeared first on The Esurance Blog.
  • What Makes a Car a Lemon?

    Anne Le Tran
    22 Oct 2014 | 1:51 pm
    If your new-to-you car turns out to be a lemon, you don’t have to make lemonade. Instead, you could take advantage of your state’s lemon law. Here’s how. The post What Makes a Car a Lemon? appeared first on The Esurance Blog.
 
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    Health eDeals Blog

  • Have a Happy and Safe Halloween

    31 Oct 2014 | 9:30 am
    It is projected that 67.4% of Americans are buying costumes this year, with each person also spending over $77 dollars on candy, according to the National Retail Federation.1 Kids look forward to Halloween as much if not more than any other holiday in the United States. What’s not to love?  Candy, staying out late with friends, candy, scary costumes and candy. Halloween is just around the corner, which means parents, doctors, and dentists are cringing at the high probability for sugar overload and the havoc it can wreak on behavior, teeth, and health. Add the potential for injury…
  • Are You Covered? – Essential Health Benefits May Vary by State

    29 Oct 2014 | 12:07 pm
    Did you know that only 51% of states consider hearing aids to be an essential health benefit (EHB)?1 This may seem substantial in terms of coverage countywide, but what if you are included in the 49% that doesn’t have coverage? According to a new report from the Robert Wood Johnson Foundation, your health insurance coverage varies significantly by state under the Affordable Care Act (ACA).2 The ACA requires each state to set 10 EHBs in the following broad service categories:3 Ambulatory  Emergency Hospitalization Maternity and newborn care Mental health/substance use Prescription…
  • Survey: Two-Thirds of Obamacare Insured Will Change Health Insurance Plans in 2015—Should You? 10 Questions to Ask Yourself During 2015 Open Enrollment

    23 Oct 2014 | 11:00 am
    Most Americans plan to switch health insurance plans for the new year. A survey conduct by Radius Global Market Research found that while only 20 percent of insured households said they were not satisfied with their current health insurance coverage, two-thirds said indicated they will change plans in 2015.1 The top reasons they listed for shopping around during the next open-enrollment period? Lower costs—More than half expected their health insurance premiums to increase in the next six months.2 Improved access to doctors and care—More than one-third had to switch primary care…
  • Setting the Record Straight on E-Cigs

    21 Oct 2014 | 1:10 pm
    October 22, 2014 is lung health day. It is imperative to your health to remember why a day is dedicated to protecting your lungs. According to the Center for Disease Control and Prevention, “lung cancer is the leading cause of cancer death and the second most common cancer among both men and women in the United States.”1 One of the leading causes of lung cancer is cigarettes, with 90% of lung cancer arising from tobacco use.2 Being aware of these unforgiving consequences has given smokers a reason to find a new, less deadly of device: electronic cigarettes. So here’s the…
  • Recognizing and Treating Urinary Tract Infections

    15 Oct 2014 | 11:00 am
    During this time of year, many people become sick due to infections and outbreaks flying around, which is why October 19th kicks off Infection Prevention Week. One of the most common bacterial infections in women is a urinary tract infection (UTI). It begins in the urethra and travels to the bladder causing a bladder infection. In more severe cases, if not treated, it can infect your kidneys. Women have a 1 in 2 chance of developing a UTI, and a 1 in 5 chance of experiencing a second UTI.1 Many don’t realize that men can develop UTIs as well, and although only about 12% of men…
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    The Murray Group

  • How Could Ebola Affect NY Business Insurance?

    Ryan Murray
    29 Oct 2014 | 5:31 am
    As fears of an Ebola pandemic sweeps across the United States, many in the NY business insurance industry have been trying to figure out the impact that Ebola could have on the insurance industry itself. With only a few isolated Ebola cases in the US, it is too early to tell how it may affect insurance coverage and pricing. However, there is no doubt that many different types of NY business insurance coverages could come into play, such as business interruption insurance, workers’ compensation, life insurance and the obvious, health care. According to AIR Worldwide, it is believed that…
  • JP Morgan Teaching NY Businesses a Lesson in Data Breaches & Cyber Security

    Ryan Murray
    15 Oct 2014 | 6:44 am
    In July, JP Morgan announced that hackers had compromised user contact information for 76 million households and seven million small businesses. That information included name, address, phone number, email address and internal JPMorgan information, the bank said in the disclosure. You may have not been affected personally, but your NY business can take away important lessons from this. We have discussed cyber security risks before, but these events bring an important point to the forefront – if a Fortune 500 company like JP Morgan can be affected by cyber and data breach threats…
  • Does NY Homeowners Insurance Cover Hired Help?

    Ryan Murray
    1 Oct 2014 | 6:33 am
    Hiring a contractor to replace your roof, seal your driveway, remodel your kitchen or cut down some trees can be a bigger decision than you realize. The Murray Group wants to provide you with some tips on choosing a contractor so that you get the best quality work you can and there are no additional, unanticipated costs due to uncovered claims. Make sure your NY contractor provides you with proof of general liability and workers compensation insurance. Unfortunately, many home owners find out after a loss that it can be costly to hire uninsured contractors, like a roofer or carpenter. It is…
  • Safety Committees As Part of Risk Management

    Ryan Murray
    24 Sep 2014 | 7:42 am
    Regardless of the size of your business, NY business insurance is just one small part of a risk management program. We have previously discussed the importance of an injury and illness prevention program. Now we will dig deeper to look at the significance of safety committees to the prevention programs. Your employees will appreciate a safety committee and so will your bottom line. Make a safety committee an integral part of the culture at your NY business. Your employees will appreciate it, and your bottom line will benefit as well. A safety committee is a group of employees from the same…
  • 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…
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    Insurance Marketing Blog

  • 19 Reasons to Contact Your New Insurance Clients

    John F. Carroll
    28 Oct 2014 | 10:49 am
    This article is going to disappoint three insurance agents. That’s because three different agents in the past three weeks asked me for an email template to follow-up with new customers. And I’m not going to do it. I was actually going to when I realized I couldn’t make one email (or phone script, letter, etc.) that fit every agency’s unique needs. I also realized there are A LOT of reasons to follow-up with new insurance customers and one email isn’t going to do it. Not even close. So I put together a bunch of reasons you should/could follow-up with new…
  • Easiest Way to Get More Insurance Agency Facebook Post Views

    John F. Carroll
    23 Sep 2014 | 8:13 am
    Want to reach more people on Facebook? Of course you do, who doesn’t? I’m going to share a free tactic that’s so easy, so simple, and so obvious I can’t believe every agency on earth isn’t already doing it! Yet based on my observations, I think the majority of insurance agents on Facebook aren’t. It’s as easy as pushing a button. Literally. Ready for the tip? Here it is: Get your staff to click “like”, comment on, share, and engage with your agency’s Facebook posts using their personal Facebook accounts. I told you it was…
  • 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…
 
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    Life Insurance Quotes

  • Financial Implications of Accelerated Death Benefits

    Marlene Brown
    22 Oct 2014 | 4:48 pm
    An accelerated death benefit is a benefit that is attached to your life insurance policy, which enables you to receive a cash advance against your death benefit in the case that you are diagnosed with a serious illness. Many people that decide to get an accelerated death benefit only have a few months or years to live and so use the money that they receive in order to pay for treatments and other expenses to do with handling an illness. Picking a life insurance policy that comes with an accelerated death benefit will allow a policyholder to afford the expenses of their daily lives in order to…
  • Is an Annual Flu Shot Necessary for Healthy Individuals?

    Marlene Brown
    23 Oct 2013 | 11:06 pm
    As flu season fast approaches, it seems that everywhere you look, you are reminded that it’s time to get your annual flu shot. Getting a flu shot is one of the easiest things to do—all it takes is a trip to your local pharmacy or grocery store. Even businesses are starting to offer them right in the office. However, not everyone agrees that you need to receive a flu shot every year if you’re a healthy individual. After weighing the pros and cons of receiving a marginal level of protection, you may decide to skip the trip to the clinic for a flu shot this year, or you may decide that…
  • 6 Hidden Benefits of Regular Exercise that Will Slow Down Aging

    Marlene Brown
    20 Oct 2013 | 10:40 pm
    Becoming older is an inevitable reality. As much as you may want to avoid getting old, your body will age no matter what you do. From the day that you are born your body is constantly changing. Everyday thousands of your cells die off and new cells replace them in order for your body to stay strong and healthy. As you age however, your body’s ability to replace cells starts to diminish. The good news is that you can slow this process down by taking care of your body and exercising. Exercising has many anti-aging hidden benefits, and is considered by many experts to be the fountain of youth.
  • The Connection Between Life Insurance and Optimism

    Marlene Brown
    15 Oct 2013 | 10:01 pm
    Recently, some studies have been conducted to see if people with life insurance policies were innately different than those without. The results, according to the companies in charge of the studies, were quite unexpected. If you have been considering buying yourself life insurance, you may want to find out what connections insurance has to overall optimism before buying your policy so you know what type of other perks you can expect after the policy is in place. The Research Study Greenwald & Associates recently conducted a study to see what attitudes adults felt when it came to life…
  • 5 Ways to Prevent Foodborne Illnesses

    Marlene Brown
    14 Oct 2013 | 2:57 pm
    Keeping you and your family safe from foodborne illnesses is a lot easier than most people believe. It involves taking a few extra steps to prevent anyone from getting sick. Making sure you have the right tools on hand is one of the most important steps when it comes to keeping your food safe for everyone to eat. Here are some simple ways to keep everyone healthy and happy after eating your cooking. Disinfect Your Surfaces When it comes to spreading bacteria around, the surfaces you prepare your food at is the first line of defense. If you make sure to disinfect the surfaces you use after…
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    directasia.com

  • Launch of Drive to Zero Accidents Campaign Event

    Paul Cypert
    30 Oct 2014 | 12:18 am
    9UBCFJ5WDZF8Launch of Drive to Zero Accidents Campaign Event By Paul Cypert Last night, Wednesday the 29th October, 2014 we were proud to launch the new Drive to Zero Accidents Campaign. A collaboration between DirectAsia.com, the Singapore Police Force and Singapore Road Safety Council.  The event was held underneath the city’s biggest zero – the Singapore Flyer. Guests were treated to stunning views of the city skyline and a sneak preview of the new TV commercial. Guests were welcomed by Ms Low Yen Ling, Parliamentary Secretary, Ministry of Social and Family Development & Ministry…
  • Understanding DirectAsia.com’s Workshop Options

    Paul Cypert
    28 Oct 2014 | 12:26 am
    9UBCFJ5WDZF8Understanding DirectAsia.com’s Workshop Options By Paul Cypert At DirectAsia.com we love giving you choice and control. That’s one of the benefits of buying directly from us online. You control what you buy or don’t.  We let you customise and craft your policy at almost every stage of the process, but one area of particular interest to many buyers is the choice of Workshops/Garages. We give you a choice between ours or yours. Whatever’s most convenient for you. Choice One: Our Workshops This is the easier, cheaper solution and also the one usually selected by most.
  • A Glimpse into the Future of Singapore Roads?

    Paul Cypert
    20 Oct 2014 | 11:53 pm
    9UBCFJ5WDZF8A Glimpse into the Future of Singapore Roads? By Paul CypertOk, so the car we’re talking about doesn’t look anything like this Electric cars. Driverless cars. Cars that fly.  Everyone has a different vision of what the future of transportation looks like. Sadly the driving cars everyone’s imagined since the 50’s are still far from possible. But the other two futures of cars seem to be happening sooner rather than later. Charge Cars Electric cars seem like an obvious advancement that should have happened years earlier. In Singapore they make great sense. The only…
  • 5 Car Insurance Truths You Might Not Know

    Claire Vorster
    1 Oct 2014 | 11:36 pm
    9UBCFJ5WDZF85 Car Insurance Truths You Might Not Know By Claire Vorster Driving without valid insurance is never a good idea, and you don’t have to look far to find a number of bizarre stories to back this up.  Take the recent tale of the sales manager who test-drove premium cars. Seemed like the dream job until he crashed the eye wateringly expensive Lamborghini he was driving and fled the scene. He later confessed that he did not even have a valid driving licence or insurance. Needless to say he got a hefty fine, plus a ban from driving anywhere for 2 ½ years. All this to say that if…
  • 5 Easy Changes for a Longer Life

    Claire Vorster
    1 Oct 2014 | 1:15 am
    9UBCFJ5WDZF85 Easy Changes for a Longer Life By Claire Vorster A long, rewarding and healthy life, it’s what motivates us to get the most out of every day. And while many of us are aware of the worst life crushing behaviors – smoking, drinking too much alcohol and not exercising – what about the little things we can do, starting today, to get maximum results?  DirectAsia.com has discovered that making a few simple changes to your lifestyle can help you live longer. Here’s the top five. 1. Food – Leave A Little If you want to live longer, leaving a little bit of food on…
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    autoinsuresavings.org

  • 5 Hidden Costs of Buying A New Car

    Erin Warbrook
    20 Oct 2014 | 6:39 am
    The cost of buying and owning your dream car involves more than simply the purchase price and a big rebate. When calculating how much you can afford to spend on your new car, it is important to consider other hidden charges such as the ones listed below. 1. Fuel economy When purchasing a vehicle, don’t forget the hidden costs! Photo courtesy of SILive.com. Nowadays, it is hard predict the stability of fuel prices because they keep on fluctuating at different times of the year. They rise and fall, sometimes by surprisingly considerable amounts. With this in mind, you should make sure…
  • Life Hacks for Cars

    Shaun Fyffe
    3 Oct 2014 | 5:38 am
    You spend a lot of time in your car. In fact, if you’re like most people, your car is your home away from home. But are you getting the most out of it? Finding a simple trick or hack to make life in your car easier can pay huge dividends, in terms of both time and money saved. Below are a few such hacks that can make your 2nd home feel less like a box and more like a palace. The Most Powerful Tool You’ll Ever Have in Your Car There’s one thing that can make the biggest difference in terms of your overall driving experience, and it’s something you’re probably not getting the most out…
  • 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 creativecommons.org 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…
 
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    Jim on Insurance

  • People respect insurance agents, but do they trust them?

    Jim Holm
    8 Oct 2014 | 9:26 am
    A Gallup poll in 2012 indicated only 15% of those responding stated they rated the honesty and ethical standards of insurance salespeople as either “very high” or “high”. In comparison, 82% rated nurses as either “very high” or “high”. To give you perspective here are some other professions and the percentage of people who rated […]
  • 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 […]
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    Agency Eagle

  • Self Service Insurance Certificates for Contractors

    Shawn Wilmoth
    3 Oct 2014 | 8:04 pm
    If you are a business like a construction company…You sure know how frustrating having deadlines that are pushed.  Being pushed to get a certificate before a bid is due just makes it worse.AgencyEagle has a solution for your insurance company to make this process easy.  The system is our CAROL online self service system.  The insurance agent has the ability to setup your business for this service and still control the certificate.With our system Contracting and Trucking companies alike can get the kind of information they need for the next big deal and still keep in compliance with…
  • Corporate spam filters that work – Human Spam Rules

    Shawn Wilmoth
    27 Sep 2014 | 7:22 am
     Why Real, Live Super Heroes in an Automated World Matter: Human Spam Filters Did you really think Milk is worse than smoking? – At the time of this writing the above this was a very common spam that was making it through most spam filters.We’ve all opened our virtual mailboxes to find ridiculously, and not so ridiculously, titled emails from those who would –at best—waste our time, and –at worst—take financial or other advantage of our supposed naivety. Spam is not only annoying, but there are times it can be dangerous, especially for users who aren’t necessarily…
  • How Much Does an Insurance Agency Website Cost and What’s Included?

    Kevin Davenport
    24 May 2014 | 4:04 am
    Alright, so you’ve decided that your new– or even your established– insurance agency can benefit from a professionally crafted website.  Maybe you have a website that was great a few years ago, but is now a little outdated and not creating the customer response it once was.  Maybe you’re a brand new insurance agency and you need a great site to help build your new business.  Either way, the prospect of choosing a website designer can be daunting—and so can the cost. If you’re like most insurance agents we’ve worked with—whether or not you’re asking—you’re…
  • How to Use Social Media to Get More Referrals

    Shawn Wilmoth
    24 May 2014 | 3:09 am
    Social Media is an important part of many companies marketing strategies, and if you’re not correctly implementing social media into your insurance agency’s business, you are missing out on a great device that will drive more referrals. More than 50% of small to medium-sized businesses use social media to get referrals and generate new customers through their social media presences, and if you aren’t on the list… you should be. Social media allows you get more referrals by engaging with your customers. It gives you a chance to interact with those who may well become clients of…
  • Why You Should Use Hashtags in Your Direct Response Ads

    Kevin Davenport
    15 May 2014 | 1:51 am
    I realized when writing the title of this article that there would be quite a few of you out there who would be confused from the get-go.  You’ve been running an insurance agency, not a social media outlet, and –while you’re all about getting your business to grow by using the latest and greatest technology—there’s a good chance you have very little, if any, idea (1) what  a direct response ad is, and (2) what a hashtag is.  (If you’re the parent of a teenager, you may know something about hashtags, though, and I’m going to explain why you’re kids are using a brilliant…
 
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    Assetsure

  • Watch out….Men’s jewellery is on the rise.

    Sara Jaspan
    27 Oct 2014 | 6:12 am
    A man’s jewellery is often confined to a watch, wedding ring, and, for the more intrepid, perhaps a striking cufflink on special occasions. However, there is evidence to suggest that men are increasingly indulging in high-quality pieces of jewellery, and many now place far greater importance on the quality of their collection when compared with their counterparts a century ago. Understated class is the objective, and most men utilise just a handful of pieces to achieve this. The timeless timepiece Relying on one piece to complete a look means that, whatever you choose, it has to be…
  • “Others equal all the colours of the painter” – the changing brilliance of opal

    Sara Jaspan
    15 Oct 2014 | 8:51 am
    While most gemstones can be identified by their colour, fine opals are characterised by their fluid, kaleidoscopic brilliance. The transient nature of an opal’s hue is partly the reason why the gemstone has attracted so much mythology throughout history. Given that almost 95% of the world’s opals are mined in Australia, it is unsurprising that the Aborigines found a place for the opal in their folklore. Tribes from the Andamooka region hold that their creator arrived on Earth on a giant rainbow. Once the rainbow made contact with the Earth, the rock at its foot glistened with every…
  • Sumptuous sapphire

    Sara Jaspan
    30 Sep 2014 | 6:40 am
    Mythical appeal Long ago, a gift of sapphire was a vow of loyalty and honesty. Over the ages, the stone has garnered a host of further attributes, being said to bring its wearers spiritual harmony and happiness, clear and sound judgment, the ability to detect truthfulness and loyalty, and even the power to see into the future. 8f0d69f035 Ancient mythology is littered with sapphires; Helen of Troy in particular is believed to have possessed a brilliant star sapphire, which according to Greek writers partly explained her legendary allure. Sapphire jewellery was also a popular choice among the…
  • 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…
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    Enhanced Insurance

  • Buyer’s Remorse Law

    Jenna Christianson
    29 Oct 2014 | 6:41 am
      You’re a financially responsible individual. You know you’re ready to purchase a new vehicle and have done your research. You’ve looked on the websites of nearby dealerships and have searched for the best deals. Once you’ve selected your car of choice, you make a trip out to the dealer to take a test drive or two. You and your significant other have had long and serious discussions about whether this car is right for your lifestyle and if you can afford it. The decision has been made; the next day, you go back to the dealership to make the deal. Yet, something doesn’t feel…
  • Electronic Proof of Insurance: Real or Fake?

    Jenna Christianson
    21 Oct 2014 | 7:01 am
    You’ve probably seen the commercials.  Using a digital insurance ID card at the DMV or when you are pulled over by the police? Is that really legal? Are you allowed to have a copy of your insurance policy on your phone rather than in paper form? For decades, insurance companies have provided you with a small rectangular card, meant to be carried in your car, in case you are in an accident or get pulled over by the police. So, the question becomes, is an electronic proof of insurance a real or fake means to prove that you have updated insurance coverage? The answer is: it depends. Depending…
  • When Is The Best Time To Buy A New Car?

    Nolan Ezell
    14 Oct 2014 | 7:36 am
    No matter how great your car is or how long you’ve had it, nearly every driver reaches a point where it’s time to start looking for something new. In 2013 alone consumers in the United States purchased more than 15 million new automobiles, meaning almost 5 percent of the population either replaced or supplemented their existing vehicles with new ones. With so many sales, and the constant demand in the US for transportation, it can sometimes be tough to locate the best value you can on a new vehicle. Automobile retailers are often loathe to give too great of a discount on models,…
  • Did You Know Veterans Get Discount Auto Insurance?

    Clarence Holm
    7 Oct 2014 | 8:02 am
    Are you or a family member a military veteran? Did you know that some Veterans get discount auto insurance? Some companies offer a discount for current or former members of the armed services. After serving your country it’s good to know that some auto insurance companies reward veterans with a discount available to them and in some cases members of their family. The availability of a discount as well as the particular pricing varies from state to state and company to company, but a local independent insurance agent can help you find the benefits you’ve earned. You may qualify for these…
  • 5 Cars with Great Lumbar Support

    Clarence Holm
    29 Sep 2014 | 12:55 pm
    When you buy a car today, you are buying a product that designed for a wide range of customers. The problem is what works for one person won’t work for another. This is especially true about car seats. Trying to put a number on which is the highest quality of back and lumbar support is a fool’s mission. I would have to have your exact dimensions and weight to even begin the discussion. Throw in a person’s individual preferences like soft or firm, leather or cloth and you have an infinite number of possibilities and opinions. The answer to which cars are the best would be to visit a…
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    Montgomery & Associates

  • Are People Afraid to Buy Insurance?

    MAadmin
    28 Oct 2014 | 1:12 pm
        Whether you invest in insurance or not, you probably know someone who turns their nose up at all forms of it. And while it is human nature to clutch our wallets when asked to buy something that we can’t see or touch, it’s also a dangerous practice. Why? It’s really quite simple. Insurance—life, car, boat, motorcycle, home—keeps not only you and your family safe from financial ruin, it provides peace of mind in the mean time. Afraid you’ll never cash in on it? Well, it’s good not to have to use it—that means disaster didn’t strike! But you were ready anyway.
  • Welcome

    admin
    27 Oct 2014 | 3:00 am
    Montgomery & Associates is a Brentwood based insurance agency helping individuals and businesses with a wide variety of specific insurance needs. We represent numerous top rated insurance carriers and provide a diversity of insurance products from auto and home insurance, business insurance, and life insurance. What makes us different is our approach to insurance, finding the risks that will affect you, your business or your entity and developing unique plans of action to cover those risks. We continually strive to create a comprehensive insurance plan that will meet our client’s needs…
  • Bundle Up!

    admin
    27 Oct 2014 | 1:00 am
    Purchasing your home and auto insurance from the same carrier is potentially a very lucrative decision. It is not uncommon for insurers to offer multi-policy discounts. The discounts offered to Customers who bundle two or more types of coverage, can save up to 35%! Such generous discounts can substantially reduce your overall insurance expenses. The post Bundle Up! appeared first on Montgomery & Associates.
  • Our Clients Speak

    admin
    26 Oct 2014 | 11:00 pm
    We at Montgomery & Associates have the best clients around… The post Our Clients Speak appeared first on Montgomery & Associates.
  • Keeping You—and Your Stuff—Safe When Traveling

    MAadmin
    22 Oct 2014 | 1:06 pm
        Have you ever bought an international plane ticket online and noticed a little checkbox marked “travel insurance”? Did you uncheck that box to save money? You missed out on one of the best ways to keep yourself and your luggage safe. Travel insurance can seem like a needless luxury when you’re trying to save money on travel costs, but it in fact saves you more money in the long run. How many times have you lost your luggage transferring flights in another country? Or wondered how you were going to get home if the country you were visiting staged a coup? Travel insurance…
 
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    INSURANCE EDITOR | DAILY INSURANCE TIPS

  • Convenient Guidance You Can Use to Improve Disaster Protection Arrangement

    Eric C.
    20 Oct 2014 | 1:12 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Convenient Guidance You Can Use to Improve Disaster Protection Arrangement For the love of your family getting life coverage is critical. Life coverage is fundamental, in light of the fact that it permits you... Convenient Guidance You Can Use to Improve Disaster Protection Arrangement Eric C.
  • Do School Understudies Need Leaseholders Protection?

    Eric C.
    29 Sep 2014 | 2:03 am
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Do School Understudies Need Leaseholders Protection? When I went off to school, the exact opposite thing my guardians or I considered being leaseholder’s protection. At the same time from that point forward, I’ve taken... Do School Understudies Need Leaseholders Protection? Eric C.
  • 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.
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    Flow Insurance

  • Define term life insurance

    John
    13 Oct 2014 | 2:25 pm
    Looking to define term life insurance, we’ve got your answerIn it’s most basic form, term life insurance is a life insurance policy (like a contract) that lasts for a certain number of years, called a term. You agree to pay x amount of money per month, for so many years, and you will get a certain amount of coverage in return. With term life insurance, all the variables are agreed upon before you pay for anything, and don’t change over the life of the policy. The only way the policy stops are if you decide to discontinue the policy or otherwise stop paying for the premiums.
  • Instant online life insurance quote

    John
    11 Oct 2014 | 2:23 pm
    Looking for an instant online life insurance quote?Look no further, because we have one right here (click here). If you want to know more about instant online life insurance quotes, keep reading, there’s important information ahead.What you need to know about instant online life insurance quotes Finding life insurance quotes online is  easy these days. You can apply online at almost any major life insurance retailer and can get a list of quotes for life insurance companies, near instantly. Sometimes It can take a while before you get the quote that you were looking for. This is because…
  • Is life insurance premium tax deductible?

    John
    9 Oct 2014 | 2:21 pm
    Many people want to know if their life insurance premium is tax deductibleThe answer is, it depends on what kind of life insurance you have, and if you own a company or not. In general, the IRS doesn’t allow life insurance premiums to be tax deductible. But, there are some cases (well one (1) major case in which they can be deductible). If you own a company, and insurance your employees with life insurance policies, than those premiums can be considered tax deductible. But, don’t get ahead of yourself, if you are self-employed, your company can not declare your life insurance…
  • Child whole life insurance

    John
    7 Oct 2014 | 2:18 pm
    Is it worth it buying whole life insurance for your child?This is a question that’s always on a lot of people’s minds. For many people, whole life insurance might be worth it, whereas term life insurance is not. This is because if you want whole life insurance for your child, like many other people, you probably aren’t planning on using it for actual life insurance and more for the other benefits, such as planning for college education, giving them a sizable life insurance policy when they’re older, or anything else they might need a lump sum of money for. The first…
  • Universal life insurance definition

    John
    5 Oct 2014 | 2:16 pm
    Looking for a definition for universal life insurance? Here it isIn its simplest form, universal life insurance is a form of permanent life insurance that offers flexible premiums and death benefits. Its similar to whole life insurance in that it lasts as long as you are paying the premiums, but is different in that if you pay a premium that’s greater than the cost of insurance, the excess typically goes toward a savings account that accrues interest. That’s a complicated definition, so let’s break it down a bit more. Permanent life insurance is a kind of life insurance that…
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