Insurance

  • Most Topular Stories

  • Three things you must know about property damage

    California Personal Injury and Insurance Blog
    steinlaw
    11 Dec 2014 | 1:50 pm
    Most of my posts are about injury claims. Why? Because that is what most people do not understand. Fixing a car is, for the most part, a simple process. You bring the car to a shop of your choice, the...
  • 5 Things Not to do with Your Insurance Claim

    California Personal Injury and Insurance Blog
    steinlaw
    16 Dec 2014 | 12:40 pm
    I know sometimes I repeat myself. Why do I do this? Some things are so important and go against everything you have been told for so long that you need to hear it a few times. Some other things I...
  • Protect Your Pets This Time of Year

    Home Insurance Blog
    Shannon Ireland
    12 Dec 2014 | 8:14 am
    They greet you at the door with wagging tails, wet noses and tons of affection – they’re our fur babies. Our pets add joy to the worst of days, so follow these simple steps to keep them safe this holiday season. O Christmas tree Christmas trees present a curiosity for pets, especially if you opt for a real tree. But they also present a few hazards. First and foremost, be sure to secure your tree so that it isn’t a risk for falling and injuring your pet. If your dog or cat enjoys playing and running all throughout your home, be sure that the tree will remain stable even if they bump it.
  • Car Insurance Tips For The Occasional Driver

    WordPress Tag: Auto Insurance
    targetup2014
    27 Nov 2014 | 5:54 am
    TIP! If you’re insuring a teenager, check what it would cost to add them to a current policy, and then compare that to what their own policy would cost. The type of vehicles that are being insured will factor into the costs, but purchasing a separate policy for a teenager may be less expensive. When you own a vehicle you must insure it. It can sometimes be difficult to determine the kind of and amount of insurance you should get as part of your policy for your vehicle. With so many plans and policies available, it can be a bit intimidating trying to narrow it down to just one option.
  • Ask an Agent: What Insurance Should Accidental Landlords Get?

    Home Insurance Blog
    Mike Pesackis
    4 Dec 2014 | 10:05 am
    What’s an ‘accidental landlord’? We’re glad you asked. The short answer: It’s a byproduct of turmoil in the real estate industry. Let’s explain: About 36.5 million Americans moved in 2012, according to the U.S. Census Bureau. Before the real estate crisis, most homeowners involved in moves sold one house to help pay for the next. However, soft markets and declining values left many homes ‘underwater’ – meaning they wouldn’t sell for enough to pay off the mortgage loans on them. To counter that, some homeowners who never planned to become…
 
  • add this feed to my.Alltop

    INSURANCE - Yahoo News Search Results

  • Craig Kelbel to Retire From HCC Insurance Holdings, Inc.

    17 Dec 2014 | 1:45 pm
    HOUSTON -- HCC Insurance Holdings, Inc. today announced that Craig J. Kelbel, Executive Vice President, Accident & Health and President and Chief Executive Officer of HCC Life Insurance Company (HCC Life), ...
  • Crestbrook Insurance® Unveils Product Offering in Texas and Nevada

    17 Dec 2014 | 1:38 pm
    Crestbrook Insurance Company, an affluent market personal lines carrier from Nationwide Insurance, announces its expansion into the southwest US states of Texas and Nevada. Independent insurance agents and brokers appointed with Crestbrook are now able to offer its products and services to their affluent clients.
  • CORRECTION - Vlocity Releases Vlocity Insurance 2.0

    17 Dec 2014 | 11:17 am
    In the news release, "Vlocity Releases Vlocity Insurance 2.0," issued earlier today by Vlocity, we are advised by the company that in the first sentence of the fourth paragraph it should read ...
  • Fitch: Central America Insurance Sector Outlook Remains Stable

    17 Dec 2014 | 9:11 am
    Fitch Ratings says the Central American insurance sector's outlook remains stable for 2015. The rating outlook for Central America insurance companies is also stable for 2015; and
  • Progressive Expands in Home Insurance With Increased ARX Stake

    17 Dec 2014 | 7:13 am
    NEW YORK ( The Deal) -- Car insurance provider Progressive  announced on Tuesday that it has agreed to pay $875 million for a majority stake in home insurance provider ARX Holding, broadening the insurance company's offerings and adding a new set of prospective customers to its network. The deal, which brings Progressive's ownership in ARX to 67% from 5%, gives the Mayfield Village, Ohio-based ...
 
 
  • add this feed to my.Alltop

    California Personal Injury and Insurance Blog

  • 2 Concerns on Settling Your Personal Injury or Car Accident Case

    steinlaw
    17 Dec 2014 | 1:02 pm
    At some point, your case is going to settle. Well, maybe not. Most cases will settle. About 90% of cases settle before trial. About 95% of cases settle without the trial going forward. Some cases settle on the first day...
  • 5 Things Not to do with Your Insurance Claim

    steinlaw
    16 Dec 2014 | 12:40 pm
    I know sometimes I repeat myself. Why do I do this? Some things are so important and go against everything you have been told for so long that you need to hear it a few times. Some other things I...
  • Do NOT Meet with the Adjuster in Person

    steinlaw
    15 Dec 2014 | 12:36 pm
    A good adjuster will want to meet with you in person. Why? Because they are more persuasive in person. This has been shown time and again. As an aside, this always makes me wonder why insurance companies stop hiring field...
  • Some Rules on Giving Statements to an Adjuster

    steinlaw
    12 Dec 2014 | 12:19 pm
    After an accident, the adjuster is going to call you up and ask to take a recorded statement from you. Let me give you two simple rules when you get this request: 1. DO NOT GIVE A STATEMENT TO THE...
  • Three things you must know about property damage

    steinlaw
    11 Dec 2014 | 1:50 pm
    Most of my posts are about injury claims. Why? Because that is what most people do not understand. Fixing a car is, for the most part, a simple process. You bring the car to a shop of your choice, the...
  • add this feed to my.Alltop

    Specialty Insurance Blog

  • Regulators Recommending Cyber Risk Insurance

    Specialty Insurance Blog
    9 Dec 2014 | 7:30 am
    Cyber threats have gotten the attention of regulators, and regulators are recommending Cyber Risk Insurance as one method for reducing risk. In June of this year, Commissioner Luis Aguilar gave a speech on cyber risks (here), noting both the increasing frequency and costs of attacks. In addition, he made the following comments: The threats are a particular concern because of the widespread and severe impact that cyber-attacks could have on the integrity of the capital markets infrastructure and on public companies and investors. Ensuring the adequacy of a company’s cybersecurity measures…
  • Small Business: Hacker Target

    Specialty Insurance Blog
    11 Nov 2014 | 7:00 am
    Small businesses are targets of hackers and should be buying Cyber Risk Insurance (see prior posts here and here) along with instituting strong IT security. Small businesses may believe they can fly under the radar and avoid breaches, but the evidence would indicate otherwise (see here). HSB ran a “hacker lab” to demo a small business hacking event and steps small businesses can take to protect themselves. (see here) A key takeaway – small businesses are targets and 50% of all small and mid-sized businesses have experience a breach: In a study HSB conducted with the Ponemon Institute,…
  • 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…
  • add this feed to my.Alltop

    HomeApproved Car Insurance Blog

  • The legal confusion over perpendicular parking

    HomeApproved
    17 Dec 2014 | 10:05 am
    The legal confusion over perpendicular parking http://ow.ly/G3L9vFiled under: Entertainment, General Car, Motoring Law Tagged: perpendicular parking
  • Why is diesel now bad news?

    HomeApproved
    9 Dec 2014 | 4:35 am
    Why is diesel now bad news? http://ow.ly/FB0PQFiled under: Environmental, General Car Tagged: Diesel Cars
  • Emergency call system for all new cars

    HomeApproved
    8 Dec 2014 | 4:45 am
    Emergency call system for all new cars by 2018 http://ow.ly/FwRzsFiled under: Black Box, Breakdown Insurance, Car Safety, Connected Car Insurance, General Car, Safe Driving, Vehicle Technology Tagged: Car Safety
  • Scotland cuts drink-drive alcohol limit

    HomeApproved
    5 Dec 2014 | 12:25 am
    Scotland cuts drink-drive alcohol limit http://ow.ly/Fp0tmFiled under: Motoring Law, New Drivers, Safe Driving Tagged: drink driving, Scotland
  • Driverless cars set to be tested

    HomeApproved
    4 Dec 2014 | 12:20 am
    Driverless cars set to be tested in four English cities http://ow.ly/FkVPzFiled under: Car Reviews, Car Safety, Connected Car Insurance, Electric Vehicles, Environmental, General Car, Motoring Events, Safe Driving, Vehicle Technology Tagged: driverless cars
 
  • add this feed to my.Alltop

    Work Comp Roundup

  • Alabama Employer Gets OSHA Citation

    Kori Shafer-Stack
    17 Dec 2014 | 5:30 am
    Fines of nearly $42,000 were recently levied against one employer in Alabama.   Austal USA LLC was cited by the U.S. Department of Labor’s Occupational Safety and Health Administration for 12 safety and health violations that involved fall and other hazards following a May 2014 complaint regarding the Mobile shipbuilder’s facility. Proposed penalties total $41,500.   “The government expects that contractors, such as Austal, should not only deliver a good product, but also conduct operations in a safe manner,” said Joseph Roesler, OSHA’s area director in…
  • Physician Dispensing Associated With Unnecessary Prescribing Of Opioids

    Senior Editor
    17 Dec 2014 | 5:23 am
      Cambridge, MA, Dec. 16, 2014―A new study from the Workers Compensation Research Institute (WCRI) found evidence that physician dispensing encouraged some physicians to unnecessarily prescribe strong opioids. The study analyzed the prescribing behavior after Florida banned physician dispensing of strong opioids.     The authors of the study, The Impact of Physician Dispensing on Opioid Use, expected little change in the percentage of patients getting strong opioids—only a change from physician-dispensed to pharmacy-dispensed. Instead of finding an increase in…
  • Vietnam’s Construction Ministry Tightens Safety Measures

    Kori Shafer-Stack
    16 Dec 2014 | 5:30 am
    Officials in Vietnam are heightening their efforts to protect workers.   The Construction Ministry recently said it would suspend all works that cannot ensure safety standards for workers and the general public.   In a communique sent recently to other ministries as well as provincial and city administrations, the ministry called for immediate dissemination of the National Standard for Construction Safety developed in September.   It also asked provincial and city administrations to carry out strict inspections of safety standards in construction works, focusing on equipment,…
  • Cal/OSHA Cites Fuel Distributor Following Fatal Blast

    Kori Shafer-Stack
    12 Dec 2014 | 5:30 am
    The death of one worker and major injuries to another recently led California officials to site the employer of the pair.   Cal/OSHA cited fuel distribution company National Distribution Services Inc. (NDS) $99,345 following an investigation into an explosion at the company’s Corona facility that killed one employee and left another with severe burns.   The owner of the company has been previously cited for similar incidents.   On May 6, 2014, two employees attempted welding operations on a 9,000-gallon tanker truck containing an unknown amount of crude oil. The tank had not…
  • EEOC Speaks Out on Workers Compensation ADA Obligations

    Senior Editor
    11 Dec 2014 | 12:15 pm
    Employers Must Begin Interactive Process for Return to Work Sooner Than Thought Dated: December 4, 2014 [WorkCompRoundUp is authorized to provide this information on behalf of EEOC’s Aaron Konopasky, JD and Jennifer Christian, MD.] EEOC’s Aaron Konopasky, JD and Jennifer Christian, MD Provide Guidance on When Employers Must Start Discussion Regarding Return to Work Accommodations   This may be surprising news for some readers: In workers’ compensation, MMI should not be viewed as the trigger for ADA-related protections and obligations.   Background: A common…
  • add this feed to my.Alltop

    Colorado Health Insurance Insider

  • Connect for Health Colorado glitch shows catastrophic plans to 30-year-olds

    Louise
    9 Dec 2014 | 1:51 pm
    Yesterday, while running quotes for a client who turned 30 a few months ago, we noticed that Catastrophic plans were showing up for him in the quoting tool on Connect for Health Colorado.  Catastrophic plans are a provision of the ACA, and are an extra level of available coverage beyond the “metal” plans (Bronze, Silver, […] The post Connect for Health Colorado glitch shows catastrophic plans to 30-year-olds appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Catastrophic…
  • Apres Turkey Day Health Wonking

    Louise
    4 Dec 2014 | 11:26 am
    Hank Stern hosted the Post-Turkey Day Health Wonk Review this week at InsureBlog, and you don’t want to miss it.  There’s a great post from Roy Poses, looking at how Texas hospital leaders handled the Ebola crisis, and concluding that the interests of hospital management and public health are not always aligned. And my HealthInsurance.org […] The post Apres Turkey Day Health Wonking appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Summer Reading Program – learn…
  • Make sure to know about cost sharing reduction plan eligibility

    Louise
    2 Dec 2014 | 8:50 pm
    We’re more than two weeks into open enrollment now, and things are humming along – certainly compared with the first couple weeks of open enrollment last year.  In the first two weeks, the exchange has enrolled nearly ten thousand people, including renewals and new enrollees.  But keep in mind that the time frame is shortened […] The post Make sure to know about cost sharing reduction plan eligibility appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Colorado CHP+ and…
  • Healthblawg has a great Health Wonk Review

    Jay
    21 Nov 2014 | 7:49 pm
    Sit down with David Harlow for the Turkey Edition of the Health Wonk Review. It’s a full helping of educational and though provoking posts. The post Healthblawg has a great Health Wonk Review appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Health Wonk Review is Posted Health Wonk Review at Health Care Policy and Marketplace Review Health Wonk Review at Health Care Renewal
  • The five improvements I’d make to the ACA and its implementation

    Louise
    18 Nov 2014 | 8:44 pm
    It’s open enrollment time again, and happily, this one is certainly off to a better start than last year.  The downside is that there’s only a month between the start of open enrollment and the December 15 enrollment deadline for people who need their new coverage to be effective January 1 (this is the case […] The post The five improvements I’d make to the ACA and its implementation appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Colorado CHP+ and exchange…
 
  • add this feed to my.Alltop

    Home Insurance Blog

  • Protect Your Pets This Time of Year

    Shannon Ireland
    12 Dec 2014 | 8:14 am
    They greet you at the door with wagging tails, wet noses and tons of affection – they’re our fur babies. Our pets add joy to the worst of days, so follow these simple steps to keep them safe this holiday season. O Christmas tree Christmas trees present a curiosity for pets, especially if you opt for a real tree. But they also present a few hazards. First and foremost, be sure to secure your tree so that it isn’t a risk for falling and injuring your pet. If your dog or cat enjoys playing and running all throughout your home, be sure that the tree will remain stable even if they bump it.
  • Ask an Agent: What Insurance Should Accidental Landlords Get?

    Mike Pesackis
    4 Dec 2014 | 10:05 am
    What’s an ‘accidental landlord’? We’re glad you asked. The short answer: It’s a byproduct of turmoil in the real estate industry. Let’s explain: About 36.5 million Americans moved in 2012, according to the U.S. Census Bureau. Before the real estate crisis, most homeowners involved in moves sold one house to help pay for the next. However, soft markets and declining values left many homes ‘underwater’ – meaning they wouldn’t sell for enough to pay off the mortgage loans on them. To counter that, some homeowners who never planned to become…
  • Happy Thanksgiving, From HomeInsurance.com

    Arthur Murray
    26 Nov 2014 | 8:58 am
    We all have so much to be thankful for this holiday season. Here at the Homeowners Blog, we’re thankful for readers as we try to impart information about home insurance in an interesting, informative, and entertaining way. One other thing we’re thankful for is the end of hurricane season. The forecasters got it right when they predicted a weak hurricane season with as few as eight to 13 tropical storms and three to six hurricanes. In reality, there were eight tropical storms and six hurricanes. Things could have been much worse. We’ll also be appreciative if readers reach…
  • Buffalo-Style Storm: Don’t Wing It

    Arthur Murray
    24 Nov 2014 | 1:48 pm
    Photos from Buffalo, NY, over the past week can’t help but leave most folks worried about the threat of severe winter weather. And worried about what could happen to their houses because of it. And wondering how homeowners insurance fits into the equation. First off, in the words of Green Bay Packers quarterback Aaron Rodgers, “R-E-L-A-X.” Even in Buffalo and the rest of western New York, a 90-inch snowfall pretty much is a once-in-a-lifetime-type situation. And because the storm was one of the “lake effect” variety, meaning that it was caused by the combination…
  • How to Leave Home Safely for the Holidays

    Shannon Ireland
    18 Nov 2014 | 11:56 am
    The holidays provide an excuse – not that we should need one – to gather with loved ones or escape to paradise. Traveling can be one of the best parts of the holiday season, but it also can be one of the most stressful. Leaving your home for an extended period of time can give you feelings of anxiety, so before hitting the road or boarding the plane or train, here are a few tips for safely leaving your home for the holidays. Be prepared Yes, it’s a busy time, but set aside some time to prepare your home in anticipation of departing for your trip. Whether you’re driving or flying,…
  • add this feed to my.Alltop

    Insurance Law Hawaii

  • Failure to Comply with Contract Leaves No Additional Insured Coverage

    Tred Eyerly
    17 Dec 2014 | 2:01 am
       Indemnity obligations and additional insured coverage were at issue in Strauss Painting, Inc. v. Mt. Hawley Ins. Co., 2014 N.Y. LEXIS 3347 (N.Y. Nov. 24, 2014).    Strauss Painting, Inc. (Strauss) contracted with the Metropolitan Opera Association, Inc. (the Met) to strip and repaint the rooftop steel carriage track for the opera house's automated window-washing equipment. The contract provided that Strauss would indemnify and hold the Met harmless.  Exhibit D to the contract set forth three types of insurance that Strauss was to procure: (1) workers' compensation; (2)…
  • Bad Faith Claim for Investigation Fails

    Tred Eyerly
    15 Dec 2014 | 2:01 am
       The insurer prevailed in summary judgment, disposing of the insured's bad faith claim based upon the investigation of the loss. Nino v. State Farm Lloyds, 2014 U.S. Dist. LEXIS 163993 (S.D. Tex. Nov. 24, 2014).    The insured filed a claim with State Farm for damage resulting from a hailstorm on March 29, 2012. An independent adjuster, Charles Crump, conducted an investigation on behalf of State Farm. Crump inspected the roof, where he noted prior repair to the roof, and found no covered damage to the roof as the result of the 2012 hailstorm. Crump found minimal damage to other…
  • Continuous Injury Trigger Applied to Property Loss

    Tred Eyerly
    10 Dec 2014 | 2:01 am
       The Seventh Circuit Court of Appeals predicted that the Wisconsin appellate courts would apply the continuous injury trigger to find coverage after the policy expired for damage caused by water infiltration. Strauss v. Chubb Indem. Ins. Co., 2014 U.S. App LEXIS 21794 (7th Cir. Nov. 18, 2014).    The insureds built their home in 1994. They purchased coverage for their home from Chubb. Coverage was in place from October 1994 through October 2005. The policy stated that coverage was limited "only to occurrences that take place while this policy is in effect."…
  • Insurers Dispute Coverage for Accident On Tractor-Trailer

    Tred Eyerly
    8 Dec 2014 | 2:01 am
       Focusing on the facts surrounding the accident determined which of two insurers' policies were responsible for covering a serious injury to a worker. Nat. Am Ins. Co. v. Harleysville Lake State Ins. Co., 2014 U.S. Dist. LEXIS 160593 (S.D. Ind. Nov. 14, 2014).    Venture Logistics, Inc. offered trucking and warehouse services to its clients. Indy Powder Coatings was a customer of Venture Logistics. A Venture Logistics truck went to Indy Powder to deliver materials. Robert Harden was a forklift operator for Indy Powder and was unloading skids from the Venture Logistics…
  • Hey, This Blog is Seven Years Old!

    Tred Eyerly
    3 Dec 2014 | 2:01 am
       We hit seven years of blogging this month. We started in December 2007, 835 posts ago.     Two Damon Key blogs pre-date and continue to set the standard for this blog. Robert Thomas  has long maintained www.inversecomdemnation.com [here]. And Mark Murakami  started at www.oceanlawhawaiil.com [here] a couple of months before us.   Thanks to you readers for your support again this year. We will keep plugging away into 2015.
  • add this feed to my.Alltop

    WordPress Tag: Auto Insurance

  • How to File a Claim on Your Car Insurance Policy - IndianMoney.com

    indianmoneywealthdoctor
    28 Nov 2014 | 4:34 am
    How to File a Claim on Your Car Insurance Policy: You have just met with an accident and your car has been hit by another car while going on that joyride. You are all panicky .Your palms sweaty. You don’t know what to do. Relax. Be calm. Do not get angry and fight with the other person involved in the accident. This will only worsen the situation. If the person whose car you have hit is injured, you have to get him to the hospital as soon as possible. Call the ambulance and get him admitted to hospital. Your next priority is to make sure that your claim for damages suffered to your car does…
  • SAAQ to lower car and licence fees by 35% starting next year

    Roberto Rocha, Montreal Gazette
    27 Nov 2014 | 6:05 pm
    Here is good news in this age of austerity and rising user fees for public services: starting next year, it will cost a lot less to drive a vehicle. The Société de l’assurance automobile du Québec (SAAQ) has found itself with a $1.1 billion surplus and a falling death toll on the roads. What the SAAQ collects from licence and registration fees surpasses what it gives to accident victims, it said in a new report. So the SAAQ is giving licence holders some big breaks. A Class 5 licence holder with no demerit points, for example, will see the yearly licence fee go from $90 this…
  • How You Can Get The Best Auto Insurance Rates

    whyinsured
    27 Nov 2014 | 6:08 am
    TIP! Research the prices and options from different insurance companies. Every insurance company has their own way of calculating your risk level and premium rates. Protecting your car is not the only reason to have auto insurance. It is also a protection to you and every other car on the road. Be sure that your insurance policy covers all the things that you need it to. The advice in this article is designed to show you how to get the most coverage from your auto insurance policy for the least amount of money. TIP! To save extra money with your monthly insurance premium, drive fewer miles…
  • Tips On How To Get Great Auto Insurance

    targetup2014
    27 Nov 2014 | 5:54 am
    TIP! Research the prices and options from different insurance companies. Every company is different when it comes to how they determine your premium. 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. TIP! If you want to buy aftermarket parts or decorations for your car, ask your agent about the insurance…
  • Car Insurance Tips For The Occasional Driver

    targetup2014
    27 Nov 2014 | 5:54 am
    TIP! If you’re insuring a teenager, check what it would cost to add them to a current policy, and then compare that to what their own policy would cost. The type of vehicles that are being insured will factor into the costs, but purchasing a separate policy for a teenager may be less expensive. When you own a vehicle you must insure it. It can sometimes be difficult to determine the kind of and amount of insurance you should get as part of your policy for your vehicle. With so many plans and policies available, it can be a bit intimidating trying to narrow it down to just one option.
 
  • add this feed to my.Alltop

    Insurance RSS Feed | JD Supra Law News

  • Policy Observer - December 2014

    Orrick, Herrington & Sutcliffe LLP
    17 Dec 2014 | 1:34 pm
    Giving and Receiving: Insuring Company-Sponsored Volunteerism: This is the time of year when we are reminded of the importance of giving. Many companies not only donate generously to nonprofits and community programs, but also support the...By: Orrick, Herrington & Sutcliffe LLP
  • Successful application for security for costs

    DLA Piper
    17 Dec 2014 | 11:07 am
    In Austcorp Project Number 20 Pty Ltd v LM Investment Management Ltd [2014] FCA 1371, the Federal Court of Australia was called upon to consider various interlocutory applications requesting security for costs against the corporate plaintiffs....By: DLA Piper
  • Illinois Court Holds No E&O Coverage for Underlying TCPA Violation

    Traub Lieberman Straus & Shrewsberry LLP
    17 Dec 2014 | 7:15 am
    In Margulis v. BCS Ins. Co., 2014 Ill. App. LEXIS 826 (Ill. App. Ct. 1st Dist. 2014), the Appellate Court of Illinois, First District, had occasion to consider whether an insurer has a duty to defend an insurance agent under a professional liability...By: Traub Lieberman Straus & Shrewsberry LLP
  • Unfinished Business: Illinois General Assembly Fails to Repeal Self-Procured Insurance Tax

    McDermott Will & Emery
    16 Dec 2014 | 4:12 pm
    Despite a strong effort by a coalition of opponents, efforts to repeal the new Illinois self-procured insurance tax law in the veto session of the Illinois General Assembly were unsuccessful. As a result, the law will take effect on January 1, 2015....By: McDermott Will & Emery
  • Data Security, Cyber Liability and First-party Costs for Mid Cap and Small Companies Are Reaching Catastrophic Levels

    Wilson Elser
    16 Dec 2014 | 11:20 am
    Curiously, while the numbers on data security and cyber liability losses have grabbed headlines, the published information has not focused on the insurance perspective. NetDiligence® recently released its Cyber Claims Study 2014 (the Study), which...By: Wilson Elser
  • add this feed to my.Alltop

  • Fun holiday cocktail ideas for your party

    17 Dec 2014 | 1:26 pm
    Fun holiday cocktail ideas for your partyGettyPart of the fun in planning a holiday get together is crafting the perfect cocktail -- and making it colorful.Ideas for cocktails and snacksMore from Marlo ThomasDecorating this year on a budgetTricks to get the best prices
  • Theaters refuse to show movie over terror risk

    17 Dec 2014 | 1:26 pm
    Theaters refuse to show movie over terror riskGetty/CTMG, Inc.The nation's five largest movie chains have decided not to show 'The Interview' after threats of terror attacks emerged this week.Chilling warning hackers madeRelated coverageSony hackers make threatsNYC premiere canceled
  • Man beats ticket with ... a measuring tape

    17 Dec 2014 | 1:26 pm
    Man beats ticket with ... a measuring tapeAlamyDavid knew he wasn't speeding, so he got down on the road with a measuring tape to prove it. Three-inch discovery near speed camera On the road Magician gets out of ticket Sinkhole swallows car in Australia
  • Senator Marco Rubio slams US effort in Cuba

    17 Dec 2014 | 1:26 pm
    Senator Marco Rubio slams US effort in Cuba GettyThe Cuban-American senator from Florida blasted moves by Obama toward normalizing relations with Cuba's government on Wednesday.Bold action he vowed in responseMore politicsMcSally defeats Barber in ArizonaTrump's harsh remarks on Bush
  • US man freed by Cuba speaks to reporters

    17 Dec 2014 | 1:26 pm
    US man freed by Cuba speaks to reportersGettyAlan Gross emerged Wednesday from five years of captivity praising the Cuban people -- and offering a lesson he said he learned.Four-word bit of wisdom he sharedRelated coverageObama heralds a new era Cuban cigars to be legalized
  • add this feed to my.Alltop

  • Fun holiday cocktail ideas for your party

    17 Dec 2014 | 1:26 pm
    Fun holiday cocktail ideas for your partyGettyPart of the fun in planning a holiday get together is crafting the perfect cocktail -- and making it colorful.Ideas for cocktails and snacksMore from Marlo ThomasDecorating this year on a budgetTricks to get the best prices
  • Theaters refuse to show movie over terror risk

    17 Dec 2014 | 1:26 pm
    Theaters refuse to show movie over terror riskGetty/CTMG, Inc.The nation's five largest movie chains have decided not to show 'The Interview' after threats of terror attacks emerged this week.Chilling warning hackers madeRelated coverageSony hackers make threatsNYC premiere canceled
  • Man beats ticket with ... a measuring tape

    17 Dec 2014 | 1:26 pm
    Man beats ticket with ... a measuring tapeAlamyDavid knew he wasn't speeding, so he got down on the road with a measuring tape to prove it. Three-inch discovery near speed camera On the road Magician gets out of ticket Sinkhole swallows car in Australia
  • Senator Marco Rubio slams US effort in Cuba

    17 Dec 2014 | 1:26 pm
    Senator Marco Rubio slams US effort in Cuba GettyThe Cuban-American senator from Florida blasted moves by Obama toward normalizing relations with Cuba's government on Wednesday.Bold action he vowed in responseMore politicsMcSally defeats Barber in ArizonaTrump's harsh remarks on Bush
  • US man freed by Cuba speaks to reporters

    17 Dec 2014 | 1:26 pm
    US man freed by Cuba speaks to reportersGettyAlan Gross emerged Wednesday from five years of captivity praising the Cuban people -- and offering a lesson he said he learned.Four-word bit of wisdom he sharedRelated coverageObama heralds a new era Cuban cigars to be legalized
 
  • add this feed to my.Alltop

  • Fun holiday cocktail ideas for your party

    17 Dec 2014 | 1:26 pm
    Fun holiday cocktail ideas for your partyGettyPart of the fun in planning a holiday get together is crafting the perfect cocktail -- and making it colorful.Ideas for cocktails and snacksMore from Marlo ThomasDecorating this year on a budgetTricks to get the best prices
  • Theaters refuse to show movie over terror risk

    17 Dec 2014 | 1:26 pm
    Theaters refuse to show movie over terror riskGetty/CTMG, Inc.The nation's five largest movie chains have decided not to show 'The Interview' after threats of terror attacks emerged this week.Chilling warning hackers madeRelated coverageSony hackers make threatsNYC premiere canceled
  • Man beats ticket with ... a measuring tape

    17 Dec 2014 | 1:26 pm
    Man beats ticket with ... a measuring tapeAlamyDavid knew he wasn't speeding, so he got down on the road with a measuring tape to prove it. Three-inch discovery near speed camera On the road Magician gets out of ticket Sinkhole swallows car in Australia
  • Senator Marco Rubio slams US effort in Cuba

    17 Dec 2014 | 1:26 pm
    Senator Marco Rubio slams US effort in Cuba GettyThe Cuban-American senator from Florida blasted moves by Obama toward normalizing relations with Cuba's government on Wednesday.Bold action he vowed in responseMore politicsMcSally defeats Barber in ArizonaTrump's harsh remarks on Bush
  • US man freed by Cuba speaks to reporters

    17 Dec 2014 | 1:26 pm
    US man freed by Cuba speaks to reportersGettyAlan Gross emerged Wednesday from five years of captivity praising the Cuban people -- and offering a lesson he said he learned.Four-word bit of wisdom he sharedRelated coverageObama heralds a new era Cuban cigars to be legalized
  • add this feed to my.Alltop

  • Fun holiday cocktail ideas for your party

    17 Dec 2014 | 1:26 pm
    Fun holiday cocktail ideas for your partyGettyPart of the fun in planning a holiday get together is crafting the perfect cocktail -- and making it colorful.Ideas for cocktails and snacksMore from Marlo ThomasDecorating this year on a budgetTricks to get the best prices
  • Theaters refuse to show movie over terror risk

    17 Dec 2014 | 1:26 pm
    Theaters refuse to show movie over terror riskGetty/CTMG, Inc.The nation's five largest movie chains have decided not to show 'The Interview' after threats of terror attacks emerged this week.Chilling warning hackers madeRelated coverageSony hackers make threatsNYC premiere canceled
  • Man beats ticket with ... a measuring tape

    17 Dec 2014 | 1:26 pm
    Man beats ticket with ... a measuring tapeAlamyDavid knew he wasn't speeding, so he got down on the road with a measuring tape to prove it. Three-inch discovery near speed camera On the road Magician gets out of ticket Sinkhole swallows car in Australia
  • Senator Marco Rubio slams US effort in Cuba

    17 Dec 2014 | 1:26 pm
    Senator Marco Rubio slams US effort in Cuba GettyThe Cuban-American senator from Florida blasted moves by Obama toward normalizing relations with Cuba's government on Wednesday.Bold action he vowed in responseMore politicsMcSally defeats Barber in ArizonaTrump's harsh remarks on Bush
  • US man freed by Cuba speaks to reporters

    17 Dec 2014 | 1:26 pm
    US man freed by Cuba speaks to reportersGettyAlan Gross emerged Wednesday from five years of captivity praising the Cuban people -- and offering a lesson he said he learned.Four-word bit of wisdom he sharedRelated coverageObama heralds a new era Cuban cigars to be legalized
  • add this feed to my.Alltop

  • Fun holiday cocktail ideas for your party

    17 Dec 2014 | 1:26 pm
    Fun holiday cocktail ideas for your partyGettyPart of the fun in planning a holiday get together is crafting the perfect cocktail -- and making it colorful.Ideas for cocktails and snacksMore from Marlo ThomasDecorating this year on a budgetTricks to get the best prices
  • Theaters refuse to show movie over terror risk

    17 Dec 2014 | 1:26 pm
    Theaters refuse to show movie over terror riskGetty/CTMG, Inc.The nation's five largest movie chains have decided not to show 'The Interview' after threats of terror attacks emerged this week.Chilling warning hackers madeRelated coverageSony hackers make threatsNYC premiere canceled
  • Man beats ticket with ... a measuring tape

    17 Dec 2014 | 1:26 pm
    Man beats ticket with ... a measuring tapeAlamyDavid knew he wasn't speeding, so he got down on the road with a measuring tape to prove it. Three-inch discovery near speed camera On the road Magician gets out of ticket Sinkhole swallows car in Australia
  • Senator Marco Rubio slams US effort in Cuba

    17 Dec 2014 | 1:26 pm
    Senator Marco Rubio slams US effort in Cuba GettyThe Cuban-American senator from Florida blasted moves by Obama toward normalizing relations with Cuba's government on Wednesday.Bold action he vowed in responseMore politicsMcSally defeats Barber in ArizonaTrump's harsh remarks on Bush
  • US man freed by Cuba speaks to reporters

    17 Dec 2014 | 1:26 pm
    US man freed by Cuba speaks to reportersGettyAlan Gross emerged Wednesday from five years of captivity praising the Cuban people -- and offering a lesson he said he learned.Four-word bit of wisdom he sharedRelated coverageObama heralds a new era Cuban cigars to be legalized
 
  • 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

  • XL Group approaches Catlin with offer to combine

    Artemis
    17 Dec 2014 | 8:53 am
    Global insurance and reinsurance firm XL Group has approached competitor Catlin Group with an offer that looks part acquisition, part merger, which if successful would see a new top 10 player appear in the global re/insurance market. Merger, acquisition or combination, these are the words that come to mind in the current insurance and reinsurance marketplace, as companies compete for market share and look for scale, diversification or just a unique and innovative angle to help them outperform the rest. With RenaissanceRe seeking to buy Platinum Holdings and Montpelier Re rumoured to be…
  • Strong secondary cat bond trading in November due to impending maturities

    Artemis
    17 Dec 2014 | 8:21 am
    The month of November saw strong trading activity in the secondary market for insurance-linked securities (ILS) and catastrophe bonds as investors looked to capitalise on yields from short-dated cat bond notes which are soon to mature. The other factors continuing to stimulate secondary cat bond trading in November were continued anticipation of the strong December’s issuance, totaling over $1.5 billion of risk capital, as well as anticipation of strong issuance through the first-half of 2015 as well as the need to adjust portfolios to take on new risk. Zurich-based ILS and catastrophe…
  • 2014 insured catastrophe & disaster losses estimated at $34B: Swiss Re

    Artemis
    17 Dec 2014 | 2:00 am
    Global insured losses from natural catastrophes and man-made disaster events are estimated to reach $34 billion in 2014 by Swiss Re’s sigma research unit, below recent annual averages, while economic losses reached $113 billion. The preliminary estimates for insurance industry losses from both natural catastrophe events and man-made disasters will ensure that the insurance and reinsurance sector remain awash with capital. At such low annual levels of loss, it is no wonder capital keeps rising and competition, particularly for catastrophe reinsurance business, is so high. According to…
  • RGA completes $300m Chesterfield embedded value life securitisation

    Artemis
    17 Dec 2014 | 12:44 am
    U.S. life reinsurer, Reinsurance Group of America Inc. (RGA), has successfully completed its life reinsurance embedded value securitisation transaction, raising $300m from the sale of the notes through issuer Chesterfield Financial Holdings LLC. The deal, which launched in November proposing the sale of a $200m tranche of notes but grew in size due to demand from investors, allows RGA to realise some of the profits which were embedded in a defined portfolio of life reinsurance business. The transaction covers a closed block of policies assumed by RGA Reinsurance Company, a wholly owned…
  • Reinsurance shares suffer, as prices soften & glut of capital bites

    Artemis
    16 Dec 2014 | 8:56 am
    Reinsurance company stocks traded well below the overall market during the third-quarter of 2014, as excess capital, the consistent flow of alternative capital and reduced reinsurance demand heaped pressure onto reinsurers, according to A.M. Best. A recent report from the rating agency titled ‘Global Re Stocks Underperform As Cat Prices Decline,’ notes that only one stock outperformed the overall market in Q3 2014, with only 10 (out of the 20 publicly traded reinsurers studied) seeing positive performance so far this year. Part of A.M. Best’s report states; “Despite the low level of…
  • add this feed to my.Alltop

    GCCapitalIdeas.com

  • Guy Carpenter Launches MetaRisk® Reserve™ 4.0

    GC Editor
    17 Dec 2014 | 1:30 am
    Guy Carpenter announced today the launch of MetaRisk Reserve 4.0TM. The latest version of this powerful reserve risk modeling tool delivers improved statistical models and an enhanced user... Continue reading...
  • Cycle Mitigation: Part I

    GC Editor
    16 Dec 2014 | 9:00 pm
    So what can be done to mitigate such cyclical effects? The first steps are to acknowledge them and to try to quantify their impact. The latter is more of a challenge than the former. Most internal... Continue reading...
  • Impact on Results

    GC Editor
    15 Dec 2014 | 9:00 pm
    To consider the impact that these cycles may have on the financial statements and solvency positions of insurers there has to be an understanding of the magnitude of any change in ultimate loss and... Continue reading...
  • Reserving Risks

    GC Editor
    14 Dec 2014 | 9:00 pm
    The previous sections suggested how “dark matter” can be lurking on an insurer’s balance sheets in the form of a casualty catastrophe or an emerging and not as yet fully understood... Continue reading...
  • Week’s Top Stories: December 6 — 12, 2014

    GC Editor
    12 Dec 2014 | 4:00 am
    Cyber-attacks and Terrorism Revealed as Top Emerging Risks for 2015, According to Annual Guy Carpenter Survey: Cyber-attacks and terrorism are ranked among the top emerging risks concerning the... Continue reading...
  • add this feed to my.Alltop

    InsureBlog

  • Another 1,000 words on the ObamaTax

    17 Dec 2014 | 7:20 am
    Original content copyright © InsureBlog
  • Chanukkah 2014/5775

    16 Dec 2014 | 9:30 am
    Tonight, we begin the 8-day long celebration of The Festival of Lights, Chanukkah. As everyone knows, this holiday commemorates the time, in ages past, that a candle with but one day's oil burned for over a week.Except, it doesn't and it didn't.The true story of Chanukkah is far more about culture and faith than Harry Potter:"The Apocrypha's texts make it clear that the battle against Hellenization was in fact a kulturkampf among the Jews themselves ... Armed Hasmonean priests and their comrades from the rural town ofModi'in attacked urban Jews, priests and laity alike, who supported Greek…
  • Nothing like a hard and fast deadline...

    15 Dec 2014 | 6:28 pm
    At 1:51 this afternoon, an email arrived from CoveredCA keeping enrollment open until Midnight, December 21.  I'm not really surprised, given the number of error messages I saw while trying to enroll people. URGENT! You Have Extra Time to Help Consumers Complete Enrollment for January 1st! Given the high volume of Californians interested in enrolling in health coverage, we’re pleased to announce that Covered California has decided to give our service partners additional time to help consumers get across the finish line and complete enrollment. Service partners will…
  • Blue Christmas

    15 Dec 2014 | 3:52 pm
    Most people probably aren't dreaming of a Blue Christmas but the folks on Capitol Hill included a gift to our colored health insurance company. Our Congress critters voted on a 1600 page spending bill without ever reading it.Fortunately there are others more diligent that give us some insight into what Congress did to us.Tucked away near the end of the 1,600-page spending bill is a long-awaited technical fix to the health overhaul law — one that benefits Blue Cross and Blue Shield insurers and has been in the works since the bill was passed in 2010.The backstory: Many of the nonprofit…
  • The Gift of the MAGI (and the 1%)

    15 Dec 2014 | 10:30 am
    This time of year affords us the wonderful opportunity to put aside petty differences, and to focus on what really matters:Free money.That's right, free money, as in ObamaTax subsidies for the poorest richest among us. Hark, they passed the bill so we could learn what's in it,  and boy, it's just good news all around for those with a big nest egg and no real income.What the heck are you babbling on about, Henry?Well, it's like this:As I mentioned the other day, I tend to get a number of referrals from other agents. Recently, one such referral called for an appointment, and we got…
 
  • add this feed to my.Alltop

    Workers Comp Insider

  • A Friday Eulogy

    Tom Lynch
    11 Dec 2014 | 6:41 am
    Sitting here in Massachusetts on this dreary, dour and dank day, looking out the window and watching all manner of birds at the feeders (they're really fond of the suet), I was planning on writing something about Roberto Ceniceros's excellent article, "Taking the Psych Out of Psychosocial," published this week in Risk & Insurance's Workers Comp Forum. Roberto suggests that...
  • Rhyming Risk, TRIA, SCOTUS, CA, TX, Captives, Obesity and more

    Julie Ferguson
    10 Dec 2014 | 10:14 am
    The inimitable Bob Wilson of Bob's Cluttered Desk is hosting this week's Cavalcade of Risk, and get this -- it rhymes. It's Out, It's Plentiful, and It's Free. It's the Cavalcade of Risk Number 223. This is not simply a poetic tour de force, there's some meat and potatoes in the posts, too. We remain in awe of Bob, who...
  • Health Wonk Review: Post-Turkey Day edition freshly posted at InsureBlog

    Julie Ferguson
    4 Dec 2014 | 6:21 am
    Hank Stern has posted a lively Health Wonk Review: Post-Turkey Day edition at InsureBlog - and rest assured, it's not leftovers, it's stuffed with meaty issues! This biweekly best of the health policy blogosphere is a good way to keep up with the wonkery. Hank is one of our long-term hosts. He and I were waxing nostalgic over his first...
  • Workers Compensation & the Executive Order on Immigration

    Julie Ferguson
    3 Dec 2014 | 5:28 am
    At his blog Working Immigrants, Peter Rousmaniere has been tracking various public policy, health and work issues related to the underground economy of undocumented workers since 2006. His blog is a go-to source for research, think tank studies, major reportage and more, with a heavy focus on workers' comp. His topical expertise is good reason for you to follow him...
  • Freshly posted at HealthBlawg - Health Wonk Review: The Turkey Edition

    Julie Ferguson
    20 Nov 2014 | 5:52 am
    Check out a freshly posted Health Wonk Review: The Turkey Edition at HealthBlawg. David Harlow hosts and it is chock full of good content and some fun seasonal links to boot - mosey on over to take a gander, pilgrim!...
  • add this feed to my.Alltop

    Managed Care Matters

  • Pre-Vacation catch up

    Joe Paduda
    11 Dec 2014 | 6:04 am
    Leaving tomorrow for eight days away, so today’s a quick catch-up. First up, the news that there’s been a dramatic increase in investor interest in addiction rehab. The market for services will increase to $35 billion this year, up more than 50% over the last decade. In a deal emblematic of the industry transition, Acadia will buy Bain Capital’s CRC Health for $1.2 billion; Bain purchased Acadia for $723 million eight years ago. For those of us tracking the issue of addiction, the explosion in heroin use driven in large part by prescription drugs, and the damage caused…
  • Work comp in 2015 – predictions from around the web

    Joe Paduda
    10 Dec 2014 | 6:54 am
    Before I make my annual predictions for the coming year, I decided to find out what other experts are saying and what external factors may drive the industry.  Here’s a quick summary. Work comp combined ratios will continue to improve as premiums hit an eight-year high this year; we can expect continued good news in 2015. These good times are driven by a rapidly-improving employment picture, continued decline in frequency, and relatively stable pricing. 15 states will see rate decreases next year, and most of the other states (California included) will see lower increases than in…
  • PPACA – another perspective

    Joe Paduda
    8 Dec 2014 | 5:29 am
    Let’s stipulate that the US health care “system” was and is a mess.  Our costs are about twice as high as other industrialized countries’, outcomes are not as good, and for consumers and purchasers, it is confusing as hell. The question is, is PPACA making it better? There’s no question the PPACA has a lot of flaws, several of which are being used for a series of legal challenges.  There’s a reason for that; PPACA wasn’t supposed to be the be-all and end-all bill. The legislation that was eventually passed originated in the House, and it was only…
  • York’s acquisition of MCMC is done

    Joe Paduda
    3 Dec 2014 | 2:56 pm
    There won’t be an official announcement, but word will go out to employees tomorrow – the long-pending York-MCMC deal is done. I spoke at length with a (very) senior York executive earlier today; this person did not want his/her name used, not to maintain confidentiality, but to keep the focus where the company wants it to be – on MCMC and Wellcomp and management of those organizations. MCMC will remain intact, as will Wellcomp, York’s medical management subsidiary.  Mike Lindberg will continue to run MCMC and Doug Markham stays in the top spot at Wellcomp with no…
  • Mitchell’s latest move

    Joe Paduda
    2 Dec 2014 | 8:13 am
    Is to acquire the leading auto PBM/pharmacy biller – Cogent Works and subsidiary AutoRx. The announcement, out this morning, contains the usual corporate-speak, but in this case most of it makes sense.  Cogent has both work comp and auto PBM operations, as well as a billing unit that handles WC bills for Walgreens and auto scripts for most of the retail chains and food/drugs. This puts Mitchell into the work comp and auto PBM business. While (surprisingly) the auto claims billing aspect of the deal isn’t discussed at all, this may well be the most valuable piece.  By connecting…
  • add this feed to my.Alltop

    Insurance Industry Blog

  • Winter Storms and Thunderstorms Top 2014 Most Costly Cats

    Claire
    17 Dec 2014 | 4:53 am
    Natural catastrophes and man-made disasters cost insurers $34 billion in 2014, down 24 percent from $45 billion in 2013, according to just-released Swiss Re sigma preliminary estimates. Of the $34 billion tab for insurers, some $29 billion was triggered by natural catastrophe events (compared with $37 billion in 2013), while man-made disasters generated the additional $5 billion in insured losses in 2014. Despite total losses coming in at below annual averages, the United States still accounted for three of the most costly insured catastrophe losses for the year, with two thunderstorm events…
  • IBM: Information Sharing Key to Address Cyber Threat

    Claire
    12 Dec 2014 | 9:18 am
    There’s an interesting moment in a report on the current state of cyber security leadership from International Business Machines Corp (IBM). For those who haven’t seen it yet, the report identifies growing concerns over cyber security with almost 60 percent of Chief Information Security Officers (CISOs) saying the sophistication of attackers is outstripping the sophistication of their organization’s defenses. But as security leaders and their organizations attempt to fight what many feel is a losing battle against hackers and other cyber criminals, there is growing awareness that…
  • Towers Watson Surveys Commercial Insurance Pricing

    Claire
    10 Dec 2014 | 5:16 am
    What a difference a year makes. Towers Watson’s most recent Commercial Lines Insurance Pricing Survey (CLIPS) shows that commercial insurance prices rose again by 3 percent in aggregate during the third quarter of 2014, drawing a line after five consecutive quarters of moderating price increases. The chart below compares the change in price level reported by carriers on policies underwritten during the third quarter of 2014 to those charged for the same coverage during the third quarter of 2013. Towers Watson noted: Price changes reported by carriers mark a pause in the moderation of price…
  • Sony Cyber Attack Breaks New Ground

    Claire
    5 Dec 2014 | 11:45 am
    More news keeps tumbling in the wake of the recent cyber attack at Sony Pictures Entertainment—Sony’s second major hacker attack in three years—and it’s not good. The fact that the breach has exposed employee information ranging from salaries to medical records to social security numbers to home addresses, not to mention five yet-to-be-released Sony movies, causing a major shutdown of the company’s computer systems, appears to break new ground. First up, the Wall Street Journal says the attack revealed far more personal information than previously believed, including the social…
  • In Memorium: Gordon C. Stewart 1939-2014

    Claire
    2 Dec 2014 | 6:09 pm
    I.I.I. president Dr. Robert Hartwig shares his thoughts on the passing of his predecessor Gordon Stewart: The Insurance Information Institute lost one of its own last week with the passing of its former president, Gordon Stewart, at the age of 75. Like many, I was deeply saddened to hear of his passing when his wife, Zanne, called me the day before Thanksgiving. That said, there is no question that his was a life that was very well and very fully lived. I had known Gordon since 1998 when he hired me as the Institute’s economist and was privileged to work alongside him until his retirement…
 
  • add this feed to my.Alltop

    Go Health Insurance Blog

  • I Missed the December 15 Deadline: Now What?

    GoHealth
    16 Dec 2014 | 8:23 am
    There are always distractions around the holidays that keep us from doing what needs to be done. If you lost track of time and missed the December 15 deadline to get coverage that starts January 1, you’re not alone. Although this first deadline has passed, there are a few things to know to ensure you still get the best plan possible before Open Enrollment ends. December 15 was just the first deadline – there’s still plenty of time to find the plan that’s right for you and your family. This Open Enrollment Period runs through February 15, 2015, so now is the time to browse your plan…
  • Take action now! Save money on the health insurance you have or the policy you need

    GoHealth
    9 Dec 2014 | 11:47 am
    Have health insurance? Or have you been meaning to enroll, but just have not gotten around to it yet? If the answer is yes to either of these questions, an important deadline is coming up for you. December 15 next Monday, is the final day to enroll in health insurance coverage so that you are covered beginning January 1, 2015. If you already have a health insurance policy, you will also want to take note. December 15 is the deadline to review and make any changes in your policy to be effective on January 1. By submitting current information, you could be eligible for tax subsidies, which…
  • 5 Tips for Staying Healthy on Vacation

    GoHealth
    9 Dec 2014 | 9:39 am
    With the holidays quickly approaching, many of us are already daydreaming about our upcoming vacations.  While vacation is a time to unwind, it can also be a time when we eat a bit more and exercise a bit less than we should. If you are abandoning your healthy habits while getting away from it all, you may actually be putting yourself at risk for a weakened immune system and a higher chance of getting sick. Get the most out of your trip by finding the right balance between splurging and staying healthy.  Here are 5 Tips to help you stay healthy during your upcoming holiday vacations: Build…
  • The time is now: Your health insurance deadline is almost here

    GoHealth
    8 Dec 2014 | 8:23 am
    December 15th, next Monday, is an important deadline for those of us who have a health insurance policy and those of us who need coverage.   This is the final day to enroll in health insurance or make any changes to the coverage you currently have so that it is all effective January 1st. If you already are enrolled in a health insurance policy, the December 15th deadline is your opportunity to update your information, review the plan you have and make any necessary changes so your coverage is the best fit it can be for your family. This is a win-win for you! Taking some time to look over…
  • Have You Gotten Your Flu Vaccine?

    GoHealth
    5 Dec 2014 | 1:26 pm
    This year, National Influenza Vaccination Week (NIVW) takes place from December 7-13.  The Centers for Disease Control and Prevention (CDC) established NIVW to highlight the importance of influenza vaccinations throughout the holiday season and beyond. Seasonal influenza, or “the flu,” causes approximately 150,000 hospital admissions and 24,000 deaths annually in the United States.  Flu vaccinations can reduce the number of flu-related illnesses, doctors’ visits, hospitalizations, and deaths each year. This year’s flu season is expected to be deadlier than usual due to higher…
  • add this feed to my.Alltop

    Irish Life Blog

  • Eircom Spider Awards 2014

    Stephen Hayden
    21 Nov 2014 | 7:30 am
    Yesterday (Thurs 20th) we had the opportunity to shake the dust off our tuxedo and stir on down to the convention centre to see if we had done enough hard work to win an Eircom Spider award. We hadn’t. Doh! We were up for an award in the category of ‘Web Analytics & Optimisation’. In fairness we’ve done a lot of great work in this area and while we didn’t win the award we take solace in knowing that it’s the taking part that matters… as everyone says when they lose. Over the last year we’ve spent a lot of time and energy working on improving…
  • 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,…
 
  • add this feed to my.Alltop

    Insurance

  • Winter Wellness

    Fran Shaw
    8 Dec 2014 | 8:37 am
      Winter: a beautiful season filled with white fluffy snow, blissful holidays, and tons of germs. Subzero temps and lack of sun combine to create a recipe for illness. To make matters worse, exercise takes a back seat because our warm, cozy bed is much more tempting than a cold, stationary bike. Learn how to beat the winter blues this season by staying healthy. Wash up! Part of the reason people are so susceptible to illness in the winter is because the cold weather forces us to stay within close quarters, breathing in germs from those around us. It’s extremely important to wash…
  • Surviving Black Friday Without a Body Guard

    Fran Shaw
    21 Nov 2014 | 7:17 am
    Shoppers praise Black Friday because of the sales, deals, and bargains they capsize on. Criminals praise Black Friday because the chaotic atmosphere makes for easy shoplifting and pickpocketing. Learn how to safely shop without a body guard this season by following the tips below. Don’t Carry More Than You Can Hold Just because you can’t beat the sales doesn’t mean you need to buy everything! Make a list of the things you want to purchase before heading out so you’ll be less likely to make impulse decisions. Carrying an excess of products also makes it extremely easy…
  • 10 Basic Safety Awareness Tips That Could Save Your Life

    Fran Shaw
    21 Nov 2014 | 7:16 am
      Would you consider yourself a safe person? Sure you look both ways before crossing the street and double-check that you turned the oven off, but do you consciously consider your safety? Well if not, no need to think too hard or look any further! We’ve compiled ten simple safety awareness tips you can easily implement that could save your life.  
  • Becoming the Best You: How to Make This Year Yours

    Fran Shaw
    20 Nov 2014 | 6:26 am
      Every January we seem to make a resolution to work out more, read a book, or start a hobby. Why is it that we create a start-date months in advance and inhibit our own success? There’s nothing stopping you from picking up a book, buying a new pair of running shoes, or learning how to scrapbook today. Waiting until the New Year does nothing but postpone you becoming the best version of yourself. Whether your goal is to lose weight, become more social, or better manage your money- we have a fool-proof way of obtaining your goals BEFORE 2015.
  • How to Supercharge Your Content Marketing Strategy with RSS

    Fran Shaw
    18 Nov 2014 | 7:56 am
    Content Marketing is one of those ever-changing fields of study that is constantly evolving with the demands of the masses. Historically speaking, the very first form of mass content dispersal was made possible with the printing press. Large, human operated mechanical machines printed the very first ‘copy’. Today, reaching out to a nation is reduced […] The post How to Supercharge Your Content Marketing Strategy with RSS appeared first on WP RSS Aggregator.
  • add this feed to my.Alltop

    Blog

  • 7 Reasons Right to Work Is Wrong for Warren County, Ky. (and Everywhere Else)

    17 Dec 2014 | 8:05 am
    In Warren County, Ky., a fiscal court has given preliminary approval to a local "right to work" for less ordinance. The measure is worded as to prevent any worker covered by the National Labor Relations Act from being required to join or pay dues to a union as a condition of employment. Since it is already illegal in the United States to require workers to join unions, the real focus of the measure is to weaken workers in negotiations with employers for decent wages and benefits. Instead of passing illegal ordinances that are a big waste of time and resources for the county,…
  • Despite Projections, Little Improvement in Retirement Security Picture Since 2010

    16 Dec 2014 | 10:05 am
    Every three years, the Center for Retirement Research at Boston College issues the National Retirement Risk Index, taking a look at the percentage of America's households that are at risk of seeing a decline in quality of life after retirement. In the recently released report for 2013, 52% of households were at risk, a marginal improvement from the 2010 rate of 53%. The result is surprising, considering the rise in the stock market over those three years and the beginning of a rebound in housing prices, two factors that are key in influencing the overall retirement security picture.
  • 10 Ways to Reduce Greenhouse Gas Emissions and Create Jobs in New York City

    16 Dec 2014 | 8:00 am
    A new report, Climate Works for All: A Platform for Reducing Emissions, Protecting Our Communities and Creating Good Jobs for New Yorkers, details 10 proposals that would help New York City Mayor Bill de Blasio achieve his goal to reduce the city's greenhouse gas emissions 80% by the year 2050. In addition to achieving the desired emission reductions, if the city follows these proposals, it would not only make the city more resilient, but it also would create 40,000 jobs a year. The report was produced by the Alliance for a Greater New York, New York City Environmental Justice Alliance,…
  • A Novel Idea—Let's Expand Social Security: Winners and Losers of the Week

    15 Dec 2014 | 12:50 pm
    In our regular weekly feature, we'll be taking a look at the winners and losers of the week in the struggle for the rights of working families. The winners will be the persons or organizations that go above and beyond to expand or protect the rights of working families, while the losers will be whoever went above and beyond to limit or deny those rights.
  • NLRB Rules Employees Can Use Work Email for Organizing

    15 Dec 2014 | 7:00 am
    Workers were given a potentially significant tool when the National Labor Relations Board (NLRB) ruled that employees can use work email accounts in union organizing activities, as long as they do it on their own time. The decision reversed a 2007 decision. Workers also are allowed to use work email to discuss wage and other workplace issues. The three Democrats on the board voted yes on the ruling, while the two Republicans abstained.
  • add this feed to my.Alltop

    Car Insurance Comparison

  • Auto Insurance Comparison

    try89it0078
    9 Dec 2014 | 9:49 am
    Ever wonder what the difference is between Allstate and State Farm, if Esurance has local agents, what kind of insurance the General Auto Insurance Company offers and if GEICO is as reliable as its need to infiltrate our lives with the funniest car insurance commercials around. The auto insurance industry has many different car insurance providers and sometimes the simple task of choosing the right car insurance company can be difficult. Well thankfully the internet has changed our lives forever where drivers can compare car insurance companies with just a few clicks. From customer reviews to…
  • Auto Insurance 101

    try89it0078
    7 Dec 2014 | 9:30 am
    Auto insurance is mandatory by most state laws and having the right coverage can provide substantial financial protection in the event of an accident however what type of car insurance do you need and how much is car insurance per month? There are hundreds of car insurance companies and policy options such as choosing which deductible, what discounts to expect, how much coverage to buy and not to mention which company to use. The best place to start is to learn about the details of auto insurance as most of the coverage available is formed around a base of knowledge any driver should know.
  • How much is car insurance for a Chevrolet Equinox?

    try89it0078
    5 Dec 2014 | 5:25 pm
    If you’re looking to buy a fuel-efficient crossover, you’re probably considering the Chevrolet Equinox, which gets 32 miles per gallon on the highway. When buying a new car, truck or SUV, though, potential owners have lots of questions about the vehicle’s cost of ownership. Smart buyers research the vehicle’s maintenance costs and potential resale value before buying, but one factor that many consumers forget to consider when calculating the cost of ownership is the cost of car insurance. Entering your ZIP code in the box will give you FREE personalized information…
  • Best Company for Auto Insurance

    try89it0078
    3 Dec 2014 | 4:49 pm
    When shopping for auto insurance its natural to ask who is the best car insurance company however the answer will be different depending on a number of factors. On one hand you have the car insurance companies who dominate national market share such as GEICO, Allstate, State Farm and Nationwide but on the other hand you have many highly rated companies who have smaller footprints or offer specialized types of coverage. There really is no single best company for every driver. Enter your ZIP code into the FREE comparison tool above to start your search for car insurance! How to find the best…
  • Car Insurance for Hybrids

    try89it0078
    1 Dec 2014 | 4:46 pm
    Hybrid cars have finally grown up and year after year there is tremendous growth in the Hybrid car market. Although most Hybrid cars are still relatively more expensive than comparable vehicles consumers are opting for the Green life more than ever before. Be sure to enter in your ZIP code above to start your FREE comparison search instantly! How much is car insurance for a Hybrid Car? The best way to get lower car insurance rates is to take advantage of car insurance discounts and for hybrid car owners many car insurance companies look at only one thing to provide a discount of up to 10% or…
 
  • add this feed to my.Alltop

    IFAwebnews.com | P/C insurance

  • Martin hired as managing director in NY for Beecher Carlson

    IFAwebnews Staff
    17 Dec 2014 | 7:55 am
    Beecher Carlson Insurance Services, a specialized large account insurance brokerage in Atlanta, has hired Allyson Martin as managing director for the firm’s New York office. Martin most recently served as senior vice president at Aon Risk Services. Martin will be responsible for supporting global and domestic clients, with a focus on real estate and private equity risk, according to the firm. She reports to executive managing director Greg Myers. Martin has held several leadership positions, including Real Estate Practice Leader, at several large account brokerage firms. Prior to that,…
  • Meeker Sharkey announces merger with Hurley agency in NJ

    IFAwebnews Staff
    17 Dec 2014 | 7:29 am
    Meeker Sharkey Associates, an insurance agency based in Cranford, N.J., announced it has merged with James F. Hurley Insurance Agency of Bedminster, N.J. Terms were not disclosed. By combining the resources of the two agencies, Meeker Sharkey and Hurley Insurance will broaden their combined client base, strengthen their combined knowledge base with a deeper team of talented individuals, and provide a wider array of carrier representation, according to a statement from Meeker Sharkey. Tom Sharkey Jr. “In an increasingly competitive insurance marketplace, our agencies are a good match to…
  • USI acquires program business from NJ’s Askin, Weber & Reed

    IFAwebnews Staff
    17 Dec 2014 | 7:06 am
    USI Insurance Services has acquired an insurance program business from Askin, Weber & Reed (AWR), based in Freehold, N.J. Terms of the transaction were not disclosed. AWR has been involved as the insurance administrator of the New Jersey Society of Certified Public Accountants (NJSCPA) since the early 1950s, according to the firm’s website. USI Affinity, a division of USI, will be the insurance member benefits broker and administrator for NJSCPA, providing life, disability, long term care, accidental death & dismemberment, and business overhead expense insurance to cover the…
  • Gallagher acquires NJ agency O’Gorman & Young

    IFAwebnews Staff
    17 Dec 2014 | 7:00 am
    Arthur J. Gallagher has acquired O’Gorman & Young, Inc., based in Chatham, N.J., including its affiliate G. R. Murray Insurance, in Princeton, N.J. Terms of the transaction were not disclosed. Ernest “Jay” Lawton Founded in 1894, O’Gorman & Young (OGY) is a retail insurance broker providing commercial property/casualty, employee benefits, risk management consulting and personal lines insurance services to clients throughout the Eastern United States. OGY specializes in insurance services for public and private schools, contractors, municipalities, lawyers and…
  • UPC to acquire Family Security for $9 million

    IFAwebnews Staff
    17 Dec 2014 | 6:02 am
    United Insurance Holdings Corp. (UPC Insurance) said it plans to acquire Family Security Holdings  for $9 million. United Property & Casualty Insurance Co., the primary operating subsidiary of UPC Insurance, writes and services P/C insurance in Florida, Massachusetts, New Jersey, North Carolina, Rhode Island, South Carolina and Texas and is licensed to write in Connecticut, Delaware, Georgia, Louisiana, Maryland, Mississippi, New Hampshire and Virginia. Family Security Holdings is an insurance holding company with two wholly owned subsidiaries, Family Security Insurance Co., a…
  • add this feed to my.Alltop

    Insure Life Surpasses Your Expectations

  • 10 critical success factors for permanent life insurance plans, Pt. 2

    30 Nov 2014 | 6:00 pm
    Part 1 reviewed ten critical success factors for permanent life insurance plans during the Procurement Phase.  The Procurement Phase includes all items in the sale and implementation of the life insurance plan, including carrier and product selection, policy design, and application and underwriting process.  Similarly, Part II identifies ten critical success factors for the Administration Phase, which includes all aspects after the life insurance plan is in place.Based on lessons learned, below are ten Administration Phase critical success factors for permanent life insurance plans…
  • 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,…
 
  • add this feed to my.Alltop

    Insurance Forum

  • CRM Recommendations?

    jlenyl
    17 Dec 2014 | 1:38 pm
    Real Estate Agents that I know have commented on some of the CRM software they are using to keep in touch with clients. What do you recommend? I am looking for something where I can set up email blasts that go out at scheduled intervals to lists that I create. Thank you!
  • Looking for New IMO for IBX and Amerihealth in PA

    solo2013
    17 Dec 2014 | 1:37 pm
    I am not satisfied with my current IMO and I want to switch to different IMO. I need a new IMO for Independence Blue Cross PA and Amerihealth NJ. If i can, i want to get released from current IMO asap.
  • Kids with Asthma

    stankup1
    17 Dec 2014 | 1:12 pm
    What would be. good company to consider writing with for age 6 child with Asthma and has been in a hospital within the last year more than once. Thanks
  • 65 Female Breast Cancer

    JimmyUt
    17 Dec 2014 | 1:00 pm
    I have a 65 year old female who is on a term plan now (100k, $185 monthly) that she is renewing annually because of her health history, even though the initial term is up. She has NO conversion rights. She had breast cancer in both 2000 and 2007 with it metastisizing the 2nd time and her losing half her lung. I have been told by the underwriter at Pinney that her chances are slim and none in getting term coverage which is what she wants. I can sell her simplified issue whole life and get her around 50k for a similar premium, but I thought I would throw it out there and get your thoughts? She…
  • Commissions for Low Performance MA Plans

    midwestbroker
    17 Dec 2014 | 1:00 pm
    I saw Humana is now giving agents the opportunity to earn commission on low performance (read that as fewer than 3 stars for 3 consecutive years). Are they the only ones doing this? I am surprised Medicare is allowing a commission on this. These are the instructions they gave out to contracted Humana agents: 1. Execute a Paper or MAPA Scope of Appointment and submit/upload to Humana, preferably 48 hours prior to the appointment. Make every effort to ensure the Scope of Appointment is legible and complete with all necessary information. 2. Confirm the beneficiary received the Notice
  • add this feed to my.Alltop

    The Insurance.

  • ปัญหาที่พบบ่อยกับการต่อประกันรถยนต์

    Carlo
    4 Dec 2014 | 3:06 am
    ใน การทำประกันรถยนต์ ไม่ว่าจะเป็นการทำประกันประเภทไหนๆ ส่วนใหญ่แล้วกรมธรรม์จะมีอายุ 1 ปี หลังจากนั้นต้องทำ ซึ่งเราควรจะเริ่มศึกษาข้อมูลการต่อประกันก่อนที่ประกันที่ทำอยู่จะหมดอายุประมาณ 1-2 เดือน…
  • การเลือกประกันรถยนต์ทำไมถึงมีความสำคัญ

    Carlo
    21 Nov 2014 | 1:04 am
    สมัยนี้เลือกซื้อและเลือกหาได้ค่อนข้างง่ายพอสมควรเพราะมีบริษัทประกันต่างๆ มากมายในประเทศไทยอย่างเช่น หรือแม้แต่ประกันภัยที่อยู่ติดกับทางธนาคารต่าง ๆ มากมายไม่ว่าจะเป็น กสิกรประกันภัย…
  • เมื่อไหร่ที่เราควรจะเลือกใช้ประกันชีวิต

    Carlo
    19 Nov 2014 | 11:07 pm
    แม้ว่า ธุรกิจประกันชีวิต ในประเทสไทยยังไมได้ประสบผลสำเร็จมากเท่าไหร่นักด้วยเหตุผลหลาย ๆ ประการด้วยกันไม่ว่าจะเป็นเรื่องของ ราคาประกันชีวิต ที่ในแต่ละปีอาจจะต้องชำระค่าใช้จ่ายที่ค่อนข้างสูงพอสมควร…
  • ประกันชีวิต กับเรื่องที่อาจจะไม่เคยทราบมาก่อน

    Carlo
    14 Nov 2014 | 1:18 am
    ปฏิเสธได้ไม่ยากว่าในไทยความนิยมของ จะไมได้บูมเท่าต่างประเทศเพราะด้วยเหตุผลหลาย ๆ ประการซึ่งหลาย ๆ คนต่างทราบกันเป็นอย่างดีว่ามันหมายถึงอะไร รวมทั้งหลาย ๆ คนถึงขั้นตั้งคำถามว่า…
  • ประกันชีวิต ทำไปทำไมและทำไปเพื่ออะไร

    Carlo
    12 Nov 2014 | 1:07 am
    ปฏิเสธไมได้ว่ามนุษย์ชาติบนโลกนี้ย่อมเกิดมาพร้อมกับสิ่งสำคัญมาก ๆ อย่างหนึ่งนั่นก็คือ การเกิด การแก่ การเจ็บ และการตาย และยังเป็นสิ่งที่ไม่สามารถที่จะหลีกเลี่ยง…
 
  • add this feed to my.Alltop

    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • Why Buy Auto Insurance From A Trusted Advisor?

    MccormickInsure
    17 Dec 2014 | 9:12 am
    Online Auto Insurance Pitfalls We all have seen the commercials that state, “10 minutes is all it takes to buy San Diego auto insurance”. But let’s get real. Are we to believe that it takes less time to buy something as important as auto insurance, than it does to get your car cleaned at the car wash or fill your gas tank? Sorry, we don’t buy that at all, and neither should you. San Diego Auto Insurance Fine Print Before you buy San Diego auto insurance online you had better read the fine print, as there are a number of exclusions and conditions that may limit coverage. Online auto…
  • How To San Diego Buy Homeowners Insurance

    MccormickInsure
    10 Dec 2014 | 9:09 am
    San Diego Home Owners Insurance One of the most important financial decisions you will make is insuring your San Diego home. This important decision can’t be done on the internet in 7 minutes, because your home can go up in flames in less than 10 minutes and you might be left with a large un-insured loss. Having the right San Diego home insurance gives you peace of mind. Buying San Diego Homeowners Insurance–The Right Way Use an independent agent. We will search the market for the best coverage value for you. Do you know that some insurers don’t like older homes, while others do? Do…
  • Five Uncommon Claims That Most San Diego Homeowners Face

    MccormickInsure
    19 Nov 2014 | 9:55 am
    Homeowner’s insurance You buy homeowner’s insurance in San Diego or California to protect your most important asset.  Or, if you are a renter, you buy San Diego renter’s insurance to cover your personal property and legal liability. Whatever the case, there are many risks to which you are exposed. Some risks are obvious such as fire and theft, while others are not. We wanted to provide you with some of the not so common claims that can arise out of home ownership or renting. Homeowner’s and Renter’s Risks Dog Bite Claims – San Diego homeowner’s and renter’s insurance policies…
  • Top Ten Reason Why Your San Diego Auto Insurance Premium Increases

    MccormickInsure
    5 Nov 2014 | 9:51 am
    San Diego Auto Insurance There are many reasons why your San Diego auto insurance premiums go up. Some of the reasons are known by everyone.  For example, tickets and accidents are the most common reason your auto insurance premiums go up. In 2013 more than one-third of U.S. consumers say their insurance costs grew in 2013. 62 percent of consumers say they’re paying more, simply because their insurance company is charging more. Here are some of the lesser known reasons why auto insurance premiums increase: Reasons Why Your Auto Premiums Increase You bought an expensive sports car You…
  • 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…
  • add this feed to my.Alltop

    Property Casualty Insurance Blog

  • Section 111 Update & Summary CMS Holds Section 111 Town Hall Call

    Martin Cassavoy
    17 Dec 2014 | 9:43 am
    The Centers for Medicare & Medicaid Services (CMS) held a Section 111 Town Hall Teleconference on Wednesday, December 10, 2014. This Town Hall teleconference addressed several policy and technical issues related to a number of recent Alerts and other updates released by CMS. The following summarizes the issues CMS discussed on this call: Recent Alerts John Albert from CMS and Jeremy Farquhar from the Benefits Coordination & Recovery Contractor (BCRC) discussed CMS’ recent Alerts regarding the agency’s plans to allow RREs to use the last five digits of a claimant’s Social…
  • Medicare Advantage Update Court Rejects Humana’s Request for Class Certification

    Mark Popolizio
    17 Dec 2014 | 8:39 am
    In the case In re Avandia, MDL No. 1871, 2014 WL 6684343 (E.D. Pennsylvania, Nov. 24, 2014),[i] the United States District Court denied Humana’s request for class certification regarding those Medicare Advantage (MA) plans with unresolved lien recovery claims. In rejecting this request, the court found that Humana failed to meet the various requirements and criteria for class certification under Rule 23 of the Federal Rules of Civil Procedure. This interesting new case can be broken down as follows: Background To help better assess the court’s ruling, some historical background is in…
  • Building Effective Communication Strategies: How ISO’s Portal Technology Can Improve Your Claims Processes

    Michael Rivers
    16 Dec 2014 | 8:57 am
    Earlier this year, ISO released a white paper entitled Good Communication Impacts More Than Just Claims (click here).  This paper examined the various processes and tools utilized by many claims departments to help adjusters complete thorough and consistent claims investigations, and the important overall role this plays as part of claim handling. Recently, the author attended a conference where many of these same issues were discussed, as part of the general conference sessions and as part of individual conversations with fellow attendees.  As these issues will continue to surface, it may…
  • When It Comes to Cybersecurity, All Bets Are Off

    Shawn Dougherty
    15 Dec 2014 | 11:08 am
    In February, a major cyber attack erased hard drives and shut down computers at two popular Las Vegas casinos, The Venetian and The Palazzo. But according to a report in Bloomberg Businessweek the hackers weren’t looking to steal the casinos’ money. Rather, they wanted to punish the company — specifically its CEO, Sheldon Adelson. The suspects were believed to be Iranian, according to the report, and targeted Adelson because of a speech he gave last year at a New York City college in which he described how he would handle Iran’s nuclear program.  Instead of traditional negotiations,…
  • FLASH 2014: Revelations around resilience

    Zack Schmiesing
    12 Dec 2014 | 11:10 am
    Recently, ISO Community Mitigation manager Ralph Dorio and I attended the 2014 FLASH Annual Conference in Orlando, Florida. FLASH, the Federal Alliance for Safe Homes, is one of the country’s leading nonprofit consumer advocates for strengthening homes and safeguarding families from natural and man-made disasters. The organization focuses on innovation, integrity, and collaboration, and ISO is a partner member. This year, the theme for the conference was “Resilience Revolution.” It’s difficult to find another event where the insurance industry, government entities like the Federal…
 
  • add this feed to my.Alltop

    Life Insurance Insights

  • The Final Process

    Mike
    11 Dec 2014 | 6:53 am
    When I started selling life insurance almost 54 years ago the toughest part of the job was finding people who would grant me an interview.  I thought I had an important message to share, but people just weren’t interested in talking about their death.  Although some life insurance policies provide living benefits, the big payoff is when you die and who wants to talk about that.  This takes me back to my very first blog that refers to a Woody Allen movie quote of how the worst thing in life is being stuck in an elevator with a life insurance agent. And yet…we all die. And…there is…
  • Should You Ever Hold An Annuity In Your IRA?

    Mike
    9 Dec 2014 | 9:20 am
    There are two basic types of annuities:  Immediate Annuities and Deferred Annuities. An Immediate Annuity is used to distribute assets and it has the unique feature of guaranteeing income for life. This guarantee can be over the lifetime of an individual or the joint lifetime of a couple.  Using this contract to distribute income at retirement not only guarantees a competitive yield for life, it also assures the retiree that minimum annual distributions will be met avoiding any penalties. The disadvantages of immediate annuities are that there is usually no flexibility—once income…
  • The Greatest Debt Reduction Tools

    Mike
    4 Dec 2014 | 7:05 am
    Most of us carry a certain amount of debt. It might be as major as the mortgage on your home or only the monthly balance on credit cards. It’s how we live in America…and as long as it is properly managed, debt can be a good thing. It allows us to purchase homes that could never be afforded if a single payment were required. It provides instant cash when it is needed for timely purchases that make sense even if funds are not immediately available and liquidation of other assets is not advisable. Debt can assist when needed to cover the cost of unexpected emergencies.   The key to…
  • Will Your Life Insurance Proceeds Get To The Right Person?

    Mike
    2 Dec 2014 | 1:24 pm
    Recently I read about a situation where an insured died and their life insurance proceeds did not go to the person who was the intended beneficiary.  It’s a situation where the insured obtained a life insurance policy through his employer’s group plan.  Let’s call him Stan.  In 1991 Stan, a divorcee, named his son as the beneficiary.  Ten years later the insured was married to Susan. In November, 2010 Stan filled out and signed (but never submitted) a beneficiary designation form naming Susan as the policy’s sole beneficiary.  In January, 2011 Stan was diagnosed with a life…
  • Leadership Part 18

    Mike
    27 Nov 2014 | 5:00 am
    The final in this series on Leadership THE PRICE OF LEADERSHIP The commitment to be a leader carries a price.  The more visible the leader…the greater that price.  When people look upon you as their leader you have created an obligation to fulfill their needs.  You have set standards that they expect to be maintained.  If you suddenly abdicate the roll of leader, they may flounder unless you can find a substitute to fill the void. They also look to you to set standards of behavior.  Leaders are expected to be honest…to have principals…to tell the truth.  A leader cannot lead by…
 
  • add this feed to my.Alltop

    Shift Insurance Blog

  • How Do You REALLY Drive Safely in the Rain?

    5 Dec 2014 | 1:39 pm
    Look on Google for some tips about driving safely in the rain, and you'll find the same ol' advice lurking in every corner of the web -- like slowing down and keeping a larger distance between you and the car in front of you.  Those tips are a good start, but they're certainly not ALL you need to do when Mother Nature makes the roads wet and slippery! Here in Southern California, it's common to get nearly three feet of rainfall every single year.  And, according to the California Highway Patrol, the number of car accidents goes up a whopping 203% when it starts to rain!  If you…
  • You Were Just in an Accident… Now What?!

    25 Nov 2014 | 12:07 pm
    No matter how careful you are out on the road, there's always a chance you could be in an accident.  But what do you do if it actually happens? 1.  Stop Whether you hit another car (either empty or occupied), a person, or someone's property, California law requires you to stop and exchange information with the other people involved.  Even if the damage doesn't look serious, you're still required to stop.  If you don't, you can be charged with a hit and run -- meaning that you can end up in jail by the time all is said and done! California law also requires you to call the…
  • The 10 Best Cars for New Parents

    10 Nov 2014 | 2:05 pm
    If you're getting ready to welcome your bundle of joy, you've probably got a million things on your mind.  You've got to get the nursery ready, figure out how to fold and unfold the stroller, and get a car seat. But what are you going to put that car seat IN? We've done the research, and we think that these 10 vehicles are the best for new parents: 1.  The Mazda 3 Yes, this is a sedan, but it's a roomy sedan!  The backseat is big enough for two car seats just in case you feel like expanding your family again soon.  And because it's a sedan, the fuel efficiency is better…
  • Commercial Auto Symbols -- How Do They Affect Your Coverage?

    2 Nov 2014 | 3:08 pm
    No matter what kind of car insurance policy you buy, you need to take a close look at the fine print so that you know exactly what kind of coverage you have.  But if you have a commercial auto policy, the fine print is going to be a little different than what you'll see on a personal policy.  Specifically, you'll see little numbers called symbols. So, what are they?  And, more importantly, how do they affect your coverage? Commercial auto policies can vary widely, but the symbols show up in the declarations page -- on page one of the Business Auto Coverage Form, next to each…
  • 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…
  • add this feed to my.Alltop

    The trading forex

  • Forex Traders Lifestyle: Trading Excess in the City ITV Documentary

    admin
    17 Dec 2014 | 10:08 am
    http://www.learncurrencytradingonline.com. Video Rating: 0 / 5 http://www.learncurrencytradingonline.com if you want to learn how to trade Forex this video tutorial is a complete introduction on how to achieve success fo… Video Rating: 0 / 5
  • Lastest Swiss Forex Brokers News

    admin
    16 Dec 2014 | 11:17 pm
    Dutch Financial Watchdog Warns about Ftradition, a Suspected Seychelles … The Netherlands Authority for the Financial Markets (AFM) has issued a warning today against the unlicensed broker, Ftradition Ltd. The name of the company also sounds a bit like the Swiss broker, Financière Tradition, but Ftradition does not claim to … Read more on Forex Magnates Swiss Franc Rate Today: CHF Falls vs Pound, Euro and Dollar as SNB Sees … NB: the forex rates mentioned above, revised as of 16th Dec 2014, are inter-bank prices that will require a margin from your bank. Foreign exchange…
  • How to Cope with Losing in the Market

    admin
    15 Dec 2014 | 11:11 pm
    How to Cope with Losing in the Market Face it, who can deny that unmistakable feeling of euphoria when they make a killing from the market? Compare that to the stomach-churning pain of when you get it wrong then lose money, and you have a wide range of emotions. The gulf between pleasure … Read more on FX Empire All you need to know for the Swiss gold referendum First to the basics and what the initiative actually is. The Swiss People's Party wants to “Save Swiss Gold” to give more credibility to the SNB's monetary policy and the Swiss Franc. … Remember, this…
  • Trading For Dummies

    admin
    15 Dec 2014 | 10:08 am
    Trading For Dummies Make informed trading decisions regardless of the market’s conditionSavvy traders can make money in both up and down markets. Trading For Dummies is for investors at all levels who are looking for a clear guide to successfully trading stocks in any type of market. It is also for investors who have experience trading and who are looking for new, proven methods to enhance the profitability of their investments.This no-nonsense guide presents a proven system for analyzing stocks, trends, and indica List Price: $ 26.99 Price: $ 14.59 Trading Spaces Behind the Scenes:…
  • Lastest Daily Forex News News

    admin
    14 Dec 2014 | 11:15 pm
    Daily forex volumes on Thomson Reuters platforms dip in Nov LONDON, Dec 11 (Reuters) – Foreign exchange volumes on currency platforms run by Thomson Reuters rose by 16 percent year-on-year to $ 347 billion in November, slowed from a 20 percent rise a month earlier by a broadly calmer tone in major currency … Read more on Yahoo Finance UK Asian Equities Higher on US Lead Want to learn more about trading the news? Learn from the pros at FX Academy for free. Sign up now! By: DailyForex.com. Asian stocks advanced, following U.S. stocks higher on better-than-estimated retail sales…
  • add this feed to my.Alltop

    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • Getting Car and Van Insurance with a Criminal Record

    qldb_admin
    17 Dec 2014 | 6:20 am
    If you are one of the nine million people in the country with a criminal conviction you’ll know just how hard it can be finding affordable car insurance. A quick search online tells you that the majority of providers aren’t interested and those that are charge sky high premiums for the privilege. At Quoteline Direct we are often asked why ex-offenders have to pay more for their car insurance, and the simple answer is that they don’t; they just need to know where to look. Calculating insurance costs is all about calculating ‘risk’ and if you don’t pose a greater risk; you…
  • Nearly Half a Million Landlords are Underinsured

    qldb_admin
    15 Dec 2014 | 3:44 am
    Research has found that nearly a quarter of landlords have inappropriate or insufficient insurance. The findings are thought to be due to a boom in the number of ‘part time’ landlords, who are letting properties to earn a second income, but don’t yet know the ropes. One of the first rules of business is to protect your assets and as a landlord that means making sure that your property is completely covered. However, it seems that a significant proportion of newbie landlords are leaving themselves financially exposed and aren’t aware of their legal responsibilities. Some landlords had…
  • Getting your Car ready for Winter

    qldb_admin
    11 Dec 2014 | 2:25 am
    As the mercury drops below zero it’s time to prepare your car for the worst that the British winter can throw at it, and here’s how it’s done:  Check your Battery Batteries don’t work well in the cold and during the winter months they are on overtime. Headlights and heating can quickly drain a battery so it’s hardly surprising that they are the single biggest cause of roadside callouts over winter. Batteries have an average lifespan of five years; so it might be time to think about replacing yours before winter sets in. It’s also a good idea to make sure you have a set of jump…
  • One Third of Skiers and Snowboarders don’t have Travel Insurance

    qldb_admin
    8 Dec 2014 | 3:53 am
    Recent government figures show that 30% of holidaymakers jetting-off on a skiing or snowboarding holiday don’t have any travel insurance. Perhaps more worrying is that 30% of those who were insured didn’t know if their policy covered winter sports. Considering the obvious risks associated with hitting the slopes it pays to make sure that you are completely covered. Winter sports insurance is a remarkably straightforward product, but there are a few common misconceptions: I’m already covered by my European Health Insurance Card The EHIC allows cardholders to access state medical care in…
  • How To Prevent Frozen and Burst Pipes

    qldb_admin
    28 Nov 2014 | 7:02 am
    It’s difficult to think of a more depressing way to end the festive season than returning home to find that your pipes have burst and there’s water pouring through your ceiling. Having the right Home Insurance will help soften the financial blow, but prevention is much better than seeking a payout. The Association of British Insurers says its members pay out £2.5million every day on claims caused by ‘escaped water’ with the average claim costing an eye-watering £7,000. If homeowners are away burst pipes can go unnoticed for days; causing untold destruction which can take months to…
 
  • add this feed to my.Alltop

    Insurance for Realtors and Real Estate Brokers

  • How Does Legalized Marijuana Impact Realtors?

    jschildt
    8 Dec 2014 | 6:06 am
    As the public perception of marijuana changes, so are the laws – and at a quick pace in recent years.  Many states are allowing medicinal and/or recreational use of marijuana within their boundaries.  Some of those states are also allowing a limited number of marijuana plants to be grown for personal use.  With many of these state being among the largest and most populated in the nation, roughly half of all Realtors live in a state with some marijuana usage allowed.  These developments impact real estate agents in many diverse ways. Management Concerns As many real estate agents also…
  • 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.
  • add this feed to my.Alltop

    The Esurance Blog

  • Preparing for Severe Storms: Dos and Don’ts

    Ellen Hall
    17 Dec 2014 | 5:00 am
    ’Tis the season for winter storms. Do you know how to protect your home against heavy rain and floods? The post Preparing for Severe Storms: Dos and Don’ts appeared first on The Esurance Blog.
  • 4 Hidden Hazards Lurking in Your Kitchen This Holiday Season

    Anne Le Tran
    15 Dec 2014 | 5:00 am
    Cooking up a storm this holiday season? Watch out for these kitchen hazards lurking in seemingly safe places. The post 4 Hidden Hazards Lurking in Your Kitchen This Holiday Season appeared first on The Esurance Blog.
  • 5 Trees to Avoid Planting in Your Yard

    Jiordan Castle
    12 Dec 2014 | 1:22 pm
    Certain types of trees can take a toll on your lawn, existing plants, and even your driveway or walkway. The post 5 Trees to Avoid Planting in Your Yard appeared first on The Esurance Blog.
  • Don’t Let Depreciation Defeat You: 4 Smart Tips for Buying a Car

    Ian Civgin
    10 Dec 2014 | 10:18 am
    Buying a new car can be difficult. When factoring in all the costs, we sometimes forget the most important one — depreciation. Use these 4 tips to avoid buying a car that loses its value faster than a brick falls. The post Don’t Let Depreciation Defeat You: 4 Smart Tips for Buying a Car appeared first on The Esurance Blog.
  • Travel Ready: Driving Home for the Holidays

    Emily Patz
    8 Dec 2014 | 11:03 am
    Check out these 5 car essentials to get you home for the holidays safely and suppress any Grinch-like tendencies along the way. The post Travel Ready: Driving Home for the Holidays appeared first on The Esurance Blog.
  • add this feed to my.Alltop

    Health eDeals Blog

  • November is Alzheimer’s Awareness Month

    25 Nov 2014 | 11:16 am
    According to the Alzheimer’s Association, there are more than 5 million Americans live with the disease.  In fact, Alzheimer’s disease is listed as the 6th leading cause of death on America. For the nearly 1,300 Americans who will be diagnosed today, the support of friends, family, and medical professionals is paramount. Alzheimer’s is called the most expensive condition in the nation and without the 15.5 million friends and family providing unpaid care, the cost could easily skyrocket.1 Alzheimer’s disease is a type of dementia which causes memory problems, as…
  • Think you know STM? Think Again.

    17 Nov 2014 | 12:06 pm
    There are just under two months left before Obamacare plans take effect, and your clients who are currently uncovered might need to bridge the gap. Did you know IHC’s Short Term Medical (STM) plans don’t have to be sold in month-long increments?i STM plans can be sold in any increment from 30 days to 180, and even up to 364 in some states.i If your clients need coverage for 36 days, they don’t have to buy two months’ coverage. They only have to pay for the precise number of days, saving them money. For more information about STM , contact your IHC Representative.
  • Reducing Your Risk of Type 2 Diabetes

    5 Nov 2014 | 12:46 pm
    According to the American Diabetes Association, nearly 30 million children and adults in the United States have diabetes.1 As an organization pledged to eradicate diabetes and all of its burdens, the Association has tapped the month of November to be Diabetes Awareness month. With 86 million Americans at risk for developing type 2 diabetes, the cause is anything but insignificant.2 One of the main facets of the Diabetes Awareness campaign focuses on healthy eating. The Association’s initiative is “designed to inspire people to live a more active and healthier lifestyle, empowering…
  • What if I Need Health Insurance Now? This Temporary, Economical Option Can Provide Benefits Until Jan. 1

    3 Nov 2014 | 12:35 pm
    As open enrollment nears, we hear a lot about when we can buy 2015 health insurance coverage. What about those who need health insurance sooner? Aging out of a parent’s plan, moving to a new state and losing job-based coverage are just some of the reasons you might find yourself uninsured. It may be tempting go without health insurance. It is just a couple of months, right? While it may seem unlikely you will need the benefits, going without health insurance can be risky for your finances. Are you prepared to pay for medical care related to accidents and unexpected illnesses out of…
  • 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…
 
  • add this feed to my.Alltop

    The Murray Group

  • TMG Announces New Program Called TMG Cares

    Ryan Murray
    11 Dec 2014 | 6:29 am
    At The Murray Group, we genuinely care about our partners, our employees and the community that we are a part of. Without these three stakeholders, we could not exist today. We are excited to announce that The Murray Group has created a new program called TMG Cares, which supports our stakeholders. With TMG Cares, we as an agency donate our time and resources to particular non-profit organizations within our community as well as to our partners. We also give our team an allotment of hours per year to donate their time to non-profit organizations of their choice. The TMG team will donate…
  • NY Risk Management Tips – Snow Plowing

    Ryan Murray
    26 Nov 2014 | 5:56 am
    Today is the first day of potentially many snowy days in Albany, NY, so we want to share important NY risk management tips on snow plowing for NY contractors. These tips will reduce your chances of a loss, which means it will improve your bottomline. Many NY contractors plow snow during the winter for additional income or to keep their employees working. The following tips from The Main Street America Group can help reduce claims arising from snow plowing operations: Follow these NY risk mangaement tips to reduce snow plowing losses. Keep logs which keep track of… Temperature,…
  • Winter Preparation Advice for NY Homeowners

    Ryan Murray
    12 Nov 2014 | 7:08 am
    Local meteorologists are forecasting an artic chill that will affect NY homeowners and the Capital Region over the next few days. This is a daunting reminder that winter is coming, and The Murray Group wants to provide our partners with some reminders about winter preparation. NY homeowners should begin preparing for winter. The Insurance Information Institute has provided the following comprehensive list of tips for NY homeowners who want to prepare their home for the winter: Outside Your Home Clean out gutters. Remove leaves, sticks and other debris from gutters, so melting snow and ice can…
  • 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…
  • add this feed to my.Alltop

    Insurance Marketing Blog

  • Local SEO For Insurance Agents: Read This First!

    John F. Carroll
    9 Dec 2014 | 10:51 am
    Forget everything you think you know about SEO. It’s probably not helping. SEO is complicated. The rules change daily. It’s highly technical. And there’s so much information out there it’s hard to tell what really works. The biggest mistake I see agents making is that they hear a few random tips about a specific part of local SEO and think they “get it”. They don’t. It’s good to know tactics, but only after you understand how they fit into the big picture becuase otherwise you’ll create an online footprint for your agency that misses…
  • 26 Ways to Get More Sales From Insurance Producers

    John F. Carroll
    18 Nov 2014 | 8:21 am
    Want more sales from your producers? Stupid question, huh? Getting the most from your salespeople is one of the biggest roles of an agency owner but it’s also one of the most difficult. I’ve worked with hundreds of agents across the US, and the ability to draw the most from their producers is a quality I’ve seen in the most successful agents. And it’s always missing in the agents who fail. I thought you might benefit from a few ideas to get your producers producing and your agency growing. So here it is, 26 ways to get more out of your current insurance…
  • 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…
  • add this feed to my.Alltop

    Life Insurance Quotes

  • What You Should Know About the Living Benefits Life Insurance Rider

    Marlene Brown
    24 Nov 2014 | 6:32 pm
    When you purchase a life insurance policy, you can include living benefit riders, also known as accelerated benefit riders. There are different types of benefit riders available, but you are allowed to choose more than one for your policy. Some of the options include critical illness, chronic illness, and nursing home care and child protection. Before going into details, we’ll first look into an overview of what living benefits life insurance riders are and whether they are right for you. What Are Living Benefits Life Insurance Riders? One way to look at benefits riders is like viatical…
  • 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…
 
  • add this feed to my.Alltop

    directasia.com

  • December Comprehensive Car Insurance Promotion

    Paul Cypert
    8 Dec 2014 | 12:37 am
    9UBCFJ5WDZF8December Comprehensive Car Insurance Promotion By Paul Cypert Starting today (8th) until the 31st of December we’re running a special offer on our comprehensive car insurance.  If you’re a new customer and buy comprehensive cover before the end of the month you get a free S$100 NETS CashCard. Read more about the promotion here. Best Price Guaranteed Our comprehensive policies are saving safe Singaporean drivers up to 25% on their car insurance. If you can find a better deal on your car insurance we’ll pay you up to 2 times the difference…and you’ll still get the…
  • The Future is Now – Self-Driving Cars Closer than Ever

    Claire Vorster
    5 Dec 2014 | 10:42 pm
    9UBCFJ5WDZF8The Future is Now – Self-Driving Cars Closer than Ever By Claire Vorster “I knew the dog was possessive about the car but I would not have asked her to drive it if I had thought there was any risk.” GenuineCar Insurance Claim Letting your dog drive the car is not the best idea, but what if your car could drive itself? We can almost hear your finger nails digging into whatever you happen to be sitting on. Really? Autonomous driving? When you think about the many things cars do now, from keeping us safe and comfortable to telling us when we are about to hit…
  • 8 Bad Habits to Avoid on the Roads

    Cheryl Tay
    3 Dec 2014 | 7:33 pm
    9UBCFJ5WDZF88 Bad Habits to Avoid on the Roads By Cheryl Tay We all have our pet peeves when it comes to driving, whether it’s the guy in front of you driving too slowly or the one behind you following too closely. I don’t know why but I’ve been experiencing more frustrations on the roads lately, no thanks to inconsiderate and reckless drivers.  Here are the eight things we really shouldn’t be doing on the roads: 1. Cutting abruptly in front of others when changing lanes without signaling There’s nothing more annoying than having this driver suddenly barge into your lane without a…
  • Where to Buy Motorcycle Gear in Singapore

    Paul Cypert
    25 Nov 2014 | 1:08 am
    9UBCFJ5WDZF8Where to Buy Motorcycle Gear in Singapore By Paul Cypert Reader Shailesh recently asked us in our comments where to get good motorcycle clothing in Singapore? It’s a great question and one with many answers! Singapore is a great home for motorcyclists in Asia. With over 100K active riders there are shops catering to every style and segment of rider out there. Cruisers, sport bike riders and even vintage bike guys all have shops they can visit to get clothes that reflect their particular riding lifestyle as well as proper riding gear. This list is far from exhaustive, but will…
  • Digital Cameras Keeping an Eye on Singapore Drivers

    Paul Cypert
    18 Nov 2014 | 12:44 am
    9UBCFJ5WDZF8Digital Cameras Keeping an Eye on Singapore Drivers By Paul Cypert Singapore Traffic Police recently installed and launched 20 new digital cameras at major locations along expressways and main arterial roads. The new cameras are aimed specifically at catching speeding drivers in the act.  And they’re quite effective. The new digital cameras are a major step up from the old, film-based traffic cams. The new cameras give traffic police increased resolution, ability to take more pictures and will remain live 24 hours a day. Digital eyes on Singapore drivers These new road cameras…
  • add this feed to my.Alltop

    Assetsure

  • Turquoise: how to beat those winter blues

    Sara Jaspan
    15 Dec 2014 | 7:51 am
    Gemstone of the peoples Turquoise is one of the world’s most ancient and internationally celebrated gems, often referred to as the ‘gemstone of the peoples’. This is in no small part thanks to the stone’s striking sky-blue colour, which holds an almost universal appeal among men and women alike. Indeed, turquoise was recently named Pantone’s Colour of the Year, and is considered both warming, cooling, calming and invigorating in equal measures. A long history of adoration Archaeological discoveries show that the Ancient Egyptians first began mining the stone in the First Dynasty,…
  • Seek mistletoe; avoid a Christmas ‘hug’

    Sara Jaspan
    25 Nov 2014 | 7:14 am
    Christmas is always an expensive time of year. It’s when many of us like to indulge our loved ones with special gifts, and take great pleasure in the social traditions and festivities connected to the season. So it’s also when you’re more likely to feel the squeeze. Just make sure it’s not in the arms of a pseudo friendly ‘hugger mugger’. A hugger… what? The nickname ‘hugger mugger’ was first coined by Scotland Yard to refer to the growing number of criminals targeting people on nights out (particularly the worse for wear). They pretend to befriend their victims, often with…
  • Orange Topaz, a stone of autumnal brilliance

    Sara Jaspan
    13 Nov 2014 | 4:58 am
    Autumn is magical. Think only of the glowing reds, amber yellows and rusty oranges of fallen leaves and you’ll know why. Indeed, the bright November birthstone, Orange Topaz (or ‘rare Topaz’), reflects the season’s brilliance perfectly, making it an excellent choice of jewel for this time of year. Not just for autumn Yet neither is topaz a stone to fall in-and-out of fashion, as seasons change or as centuries pass. It has been celebrated and used in jewellery for around 2,000 years; beginning with the ancient Egyptians who believed the stone received its golden hue from the sun-god,…
  • 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…
 
  • add this feed to my.Alltop

    Enhanced Insurance

  • Distracted Devices Huge Problem That Needs Industry Attention

    Jim Holm
    2 Dec 2014 | 4:34 pm
    In the interest of serving customers and maximizing profits, insurance companies often support public safety campaigns. I can remember two things vividly from when I was six years old: 1.) The Giants won the 1954 World Series, featuring Willie Mays’ famous back to the infield catch and 2.) I became a Hartford Junior Fire Marshal. To earn that hallowed plastic, red helmet I had to complete a home fire safety survey, with my parents’ assistance. Distracted driving is a national crisis. This June the National Highway Traffic Safety Administration issued a report which stated that distracted…
  • How to Haggle for a Used Car

    Jenna Christianson
    11 Nov 2014 | 7:35 am
    We’ve all been there. You have finally found the car that you’d like to purchase. Unfortunately, the process of buying a car is not the same as any other item. When you enter a retail store, you’re not expected to negotiate the price of shoes, groceries, or home cleaning products. You’re expected to haggle, or negotiate the price of a car with the salesman. Many people shy away from purchasing a car simply because they are afraid or unaware of how to haggle. They don’t want to make a mistake in the negotiation process and end up having to spend more than they wanted to. So,…
  • 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,…
  • add this feed to my.Alltop

    INSURANCE EDITOR | DAILY INSURANCE TIPS

  • 5 Tips for Modest Fun in the Snow

    Eric C.
    5 Dec 2014 | 12:41 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . 5 Tips for Modest Fun in the Snow On the off chance that you’re gotten inside by the snowstorm hitting the Upper Midwest, or predicting long frigid days this winter, you’ll oblige some financing... 5 Tips for Modest Fun in the Snow Eric C.
  • Inventive Approaches to Give Cash for the Holidays

    Eric C.
    5 Dec 2014 | 12:27 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Inventive Approaches to Give Cash for the Holidays What’s the best blessing for any event? It would need to meet these prerequisites:   Nobody ever returns or regifts it.   It never lapses, gets... Inventive Approaches to Give Cash for the Holidays Eric C.
  • New Jersey Car Insurance | What Do You Have To Think About It?

    Eric C.
    3 Dec 2014 | 1:35 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . New Jersey Car Insurance | What Do You Have To Think About It? At the point when obtaining New Jersey car insurance there are numerous choices you will need to make. You have to... New Jersey Car Insurance | What Do You Have To Think About It? Eric C.
  • Manual for Help You Get the Best Online Insurance

    Eric C.
    3 Dec 2014 | 1:09 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Manual for Help You Get the Best Online Insurance Online insurance is quickly assuming control over the world, supplanting the old customary measures which in the past appeared to be the right path for... Manual for Help You Get the Best Online Insurance Eric C.
  • Life Insurance for Smokers | Why smokers pay more for life insurance?

    Eric C.
    1 Dec 2014 | 12:33 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Life Insurance for Smokers   In case you’re a smoker whose purchasing life insurance, you ought to be mindful of the insurance decides and criteria that apply to you.   Life Insurance organizations began... Life Insurance for Smokers | Why smokers pay more for life insurance? Eric C.
Log in