Insurance

  • Most Topular Stories

  • When do you need to buy car rental insurance?

    INSURANCE - Yahoo News Search Results
    22 Aug 2014 | 9:34 am
    Relying on credit card benefits for insurance when renting a car could end up costing you if you’re unaware of these common situations that aren’t covered.
  • 8 Worst Automobile Fails of All Time

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

    PCI SmartBrief
    22 Aug 2014 | 4:45 am
    Regulations released by California's Department of Motor Vehicles will not allow for testing of self-driving vehicles without -More- 
  • Covered California officials, insurance chief clash over Prop. 45

    INSURANCE - Yahoo News Search Results
    22 Aug 2014 | 7:41 pm
    California's Obamacare exchange and the state insurance commissioner are on a collision course over Proposition 45, a popular ballot measure aimed at reining in health insurance rates.
  • [video] Goldman Sachs to Buy Back $3.15B in Mortgage Securities

    Yahoo! Finance: Property & Casualty Insurance Industry News
    22 Aug 2014 | 3:30 pm
 
 
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    Specialty Insurance Blog

  • Cyber Risk Insurance – A Necessary Coverage

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

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

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

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

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

  • Understand Your Options For Medical Cost Containment

    Michael B. Stack
    22 Aug 2014 | 6:30 am
    Whether you run a business with just a handful of employees or one that employs dozens and dozens to hundreds and hundreds, keeping your overall costs down is critical if you are to be successful.   As too many business owners have discovered over time, out of control costs lead to a variety of problems, problems that can ultimately put you out of business.   One area that you certainly can’t afford to neglect is what you are handing out in workers compensation expenses. From the smallest of injuries when a claim is turned in to sizable ones, keeping your claim costs down should…
  • British Columbia Drives Forward with Safety Efforts

    Kori Shafer-Stack
    22 Aug 2014 | 5:30 am
    Workers who find themselves on or close to roadways have an added danger to their daily work lives.   In British Columbia (Canada), tens of thousands of men and women work on or near roadways and they each have a story to tell about the dangers they face working in the “Cone Zone”.   Between 2004 and 2013, 15 workers died and another 224 were injured and missed time from work because of roadside vehicle incidents.   The Work Zone Safety Alliance, WorkSafeBC, and the Ministry of Transportation and Infrastructure are sharing some of these stories to shed light on the…
  • Happy 49th Birthday Medicare

    Michael B. Stack
    21 Aug 2014 | 6:30 am
    Medicare is a government based health insurance program that has provided coverage for countless Americans.  While everyone knows something about the program, few know how this program was created and the challenges stakeholders face to ensure the program’s solvency.     Background on Medicare   In 1965, amendments to Title XVIII of the Social Security Act were passed by Congress and later became law.  By signing this bill into law, the Medicare program was created as a promise to provide medical insurance for persons over the age of 65 years old, regardless of income. …
  • Texas DWC Hosting Comp Conference

    Kori Shafer-Stack
    21 Aug 2014 | 5:30 am
    Workers compensation education will be the talk of the town in a pair of Texas cities later this year.   The Division of Workers Compensation (DWC) will host the Texas Workers Compensation Compliance Conference in 2014.   The conference will be held in Austin and repeated in Houston and will inform employers, insurance carriers, health care providers and designated doctors about common non-compliance issues and provide education to assist them in fulfilling their role within the Texas workers comp system.   The DWC also hosts the Texas Workers Compensation Educational…
  • Correctly Calculate the Average Weekly Wage

    Michael B. Stack
    20 Aug 2014 | 6:30 am
    In any workers’ compensation claim, one of the most important issues that needs to be determined upon the onset of an investigation is the employee’s average weekly wage.  The average weekly wage serves as the basis for the determination of a number of workers’ compensation benefits entitled to an injured worker in most jurisdictions, which include Temporary Total Disability, Temporary Partial Disability, Permanent Partial Disability and Permanent Total Disability benefits.  If an average weekly wage is not accurately calculated from the onset, it can lead to a number of issues, which…
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    Colorado Health Insurance Insider

  • Colorado health insurance quotes, research and support

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

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

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

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

    Louise
    30 Jul 2014 | 11:45 am
    Job loss and short periods of unemployment are a relatively common part of life.  But with the new open enrollment rules in the individual health insurance market, it’s important that people understand exactly how the system works in order to avoid finding themselves stuck without health insurance.  Recently we’ve had several clients in this position, [...] The post Lost your job? Apply for Medicaid ASAP to have a qualifying event when you get another job appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes,…
 
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    Home Insurance Blog

  • Keep Things Cool This Labor Day

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

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

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

    Eli Pacheco
    11 Aug 2014 | 10:19 am
    New data suggests the market California once cornered on earthquake risk now extends to almost every state in the union. The research comes from the U.S. Geological Surveywhich recently amended its maps to reflect a scientific shift in earthquake prediction. Its new heat map reveals location, frequency and intensity of potential earthquakes. And it uncovered more areas of risk that previously believed. The data also points out where the last survey missed the mark for high- and low-risk regions. A comparison to information from 2008 reveals places in less danger than once feared. The USGS…
  • A Different Spin on Tornado Movies

    Eli Pacheco
    31 Jul 2014 | 1:03 pm
    In the thick of the summer storm season, Hollywood has forecast an onslaught on the movie-goers’ senses: Into the Storm. This movie, which will hit theaters Aug. 8, details a town’s battle against powerful tornadoes. It’s an epic event in which people race for cover while storm seekers delve headlong right into the vortex. Into the Storm stars Richard Armitage (of the British TV show North & South), Sarah Wayne Callies (Prison Break) and Matt Walsh (Veep). Just as in many weather/disaster flicks, Into the Storm contains moments of suspense and real-life horror of a…
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    Insurance Law Hawaii

  • Duty to Defend Construction Defect Case Triggered by Complaint's Allegations

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

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

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

    Tred Eyerly
    11 Aug 2014 | 3:01 am
       The excess insurer had a duty to defend after the primary carrier improperly refused its defense obligations.  IMG Worldwide, Inc. v. Westchester Fire Ins. Co., 2014 U.S. App. LEXIS 13703 (6th Cir. July 15, 2014).    IMG was sued for over $300,000,000 for alleged fraud, conversion, civil theft and violations of the Florida Deceptive and Unfair Trade Practice Act (FDUTPA). The lawsuit stemmed from a real estate development project. The plaintiffs had invested in the project and alleged that the developer had sold them undeveloped properties with the promise they would be developed. IMG…
  • Drowning of Two Boys Constitutes One Occurrence

    Tred Eyerly
    6 Aug 2014 | 3:01 am
       When two boys drowned at a summer camp, the issue arose as to whether there were one or two occurrences. Fellowship of Christian Athletes v. AXIS Ins. Co., 2014 U.S. App. LEXIS 13176 (8th Cir. July 11, 2014).    The two boys could not swim, and their camp permission forms indicated that they were non-swimmers. One night, the Fellowship of Christian Athletes (FCA) had a pool party. After the party, the FCA staff realized the two boys were missing. They had drowned, and their bodies were found lying side-by-side at the bottom of the deep end of the pool. The death certificate for one…
 
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    TDI News Releases

  • dwcenforceaug

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

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

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

    7 Aug 2014 | 10:02 am
    08/7/14 - AUSTIN – The State Fire Marshal’s Office (SFMO) is conducting a series of meetings with county officials and first responders across Texas to reinforce best practices for ammonium nitrate (AN) storage facilities.
  • titleagentfraud

    6 Aug 2014 | 10:06 am
    08/6/14 - AUSTIN – An investigation by the Texas Department of Insurance (TDI) Fraud Unit has helped convict a Dallas area escrow officer of felony mortgage fraud.
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    WordPress Tag: Auto Insurance

  • Mira Loma Auto Insurance Coverage & Reviews!

    jackbeckingham
    7 Aug 2014 | 1:43 am
    Auto Insurance Review and Quotes Mira Loma The Jack Beckingham Insurance Agency is dedicated to help
  • Things To Consider Seriously Before Buying Motorcycle Insurance in Raleigh in NC

    mickyfoley2346
    7 Aug 2014 | 1:40 am
    If driving a car symbolizes status and pride, then driving a motorcycle symbolizes style and passion. People in their young ages always prefer driving the latest bikes that are available in a wide variety. The market of bikes and motorcycle is booming with the launch of all types of vehicles that are very good technically. However, these technically sound bikes often cause terrible situations. These situations become displeasing when the users get involved in any type of mishaps. Since the cases of such accidents are increasing almost everyday in Raleigh in NC, therefore purchase of…
  • Watch Out! Risk Ahead. Did you know? Stats on Young Drivers

    KMRD Partners
    6 Aug 2014 | 10:00 pm
    Although drivers aged 15 to 24 represent only 14% of the population, they account for 30% of total costs of motor vehicle injuries. The risk of motor vehicle crashes is higher among 16- to 19-year-olds than among any other age group. In fact, per mile driven, teen drivers are three times more likely than drivers aged 20 and older to be in a fatal crash Among male drivers between 15 and 20 years of age who were involved in fatal crashes in 2010, 39% were speeding at the time of the crash and 25% had been drinking. In 2010, the motor vehicle death rate for male drivers and passengers ages 16 to…
  • When It Comes To Auto Insurance Try These Tips

    premierinsurancedc
    6 Aug 2014 | 5:03 pm
    Insurance is full of very complicated terminology and wording that is regarded as complex. Sometimes, it can confuse the best of people. This article will help you decipher the technical terms your insurance company may use. Once you know the meaning of these terms, you will be better able to…
  • 3 Surprising Facts about Auto Insurance.

    shawnwilson
    6 Aug 2014 | 2:07 pm
    Did you know? Auto Insurance can be a confusing and frustrating thing to figure out, and it has been my experience that 99% of people really have no idea what kind of auto insurance coverage they have or even what it covers.  That is where I come in.  With this blog I hope to help consumers understand a little about what insurance does for them and why it is important.  That is why I thought I would kick off my first post with a simple, yet very revealing info graphic. If after checking out this post you want more information or would like to see if you have the right coverage.  Contact…
 
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  • J. Law and Chris Martin spotted ... again

    23 Aug 2014 | 3:42 am
    J. Law and Chris Martin spotted ... againGettyThe actress and Coldplay's frontman were reportedly seen getting cozy just months after splitting from their respective relationships.Romantic date they were seen onMore entertainment newsJenna Wolfe is pregnant againKelly Clarkson reveals post-baby bod
  • Bombing suspect seeks case dismissal

    23 Aug 2014 | 3:42 am
    Bombing suspect seeks case dismissalAPLawyers for marathon bombing suspect Dzhokhar Tsarnaev said the makeup of the state's jury pool constitutes a violation of federal law.Two groups notably underrepresentedIn other newsPossible US terror attack avoidedKerry condemns shocking photo
  • Pam Anderson won't join ice bucket trend

    23 Aug 2014 | 3:42 am
    Pam Anderson won't join ice bucket trendAPTons of celebrities have been accepting the ALS challenge, but the former 'Baywatch' star said no. Controversial reason she refuses to support ALS researchMore on the challengeMan uses a tractor for his bucket50 Cent has a twist on the trend
  • Who will win at the 2014 Emmy Awards?

    23 Aug 2014 | 3:42 am
    Who will win at the 2014 Emmy Awards?APMost expect Bryan Cranston will take home the award for Lead Actor in a Drama series -- but some entertainment gurus aren't so sure.Actor poised to upset CranstonMore entertainment news 'Girls' season 4 teaserReality star upset about being naked
  • Cop seen in CNN report suspended

    23 Aug 2014 | 3:42 am
    Cop seen in CNN report suspendedCNNThe officer, who had a tense exchange with a reporter and protesters in Mo., was put on leave after a jarring video from earlier this year surfaced.Explosive words that got him troubleDid you see these stories?Rocket explodes during test flightU.S. retailers warned of hacking
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  • J. Law and Chris Martin spotted ... again

    23 Aug 2014 | 3:42 am
    J. Law and Chris Martin spotted ... againGettyThe actress and Coldplay's frontman were reportedly seen getting cozy just months after splitting from their respective relationships.Romantic date they were seen onMore entertainment newsJenna Wolfe is pregnant againKelly Clarkson reveals post-baby bod
  • Bombing suspect seeks case dismissal

    23 Aug 2014 | 3:42 am
    Bombing suspect seeks case dismissalAPLawyers for marathon bombing suspect Dzhokhar Tsarnaev said the makeup of the state's jury pool constitutes a violation of federal law.Two groups notably underrepresentedIn other newsPossible US terror attack avoidedKerry condemns shocking photo
  • Pam Anderson won't join ice bucket trend

    23 Aug 2014 | 3:42 am
    Pam Anderson won't join ice bucket trendAPTons of celebrities have been accepting the ALS challenge, but the former 'Baywatch' star said no. Controversial reason she refuses to support ALS researchMore on the challengeMan uses a tractor for his bucket50 Cent has a twist on the trend
  • Who will win at the 2014 Emmy Awards?

    23 Aug 2014 | 3:42 am
    Who will win at the 2014 Emmy Awards?APMost expect Bryan Cranston will take home the award for Lead Actor in a Drama series -- but some entertainment gurus aren't so sure.Actor poised to upset CranstonMore entertainment news 'Girls' season 4 teaserReality star upset about being naked
  • Cop seen in CNN report suspended

    23 Aug 2014 | 3:42 am
    Cop seen in CNN report suspendedCNNThe officer, who had a tense exchange with a reporter and protesters in Mo., was put on leave after a jarring video from earlier this year surfaced.Explosive words that got him troubleDid you see these stories?Rocket explodes during test flightU.S. retailers warned of hacking
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  • J. Law and Chris Martin spotted ... again

    23 Aug 2014 | 3:42 am
    J. Law and Chris Martin spotted ... againGettyThe actress and Coldplay's frontman were reportedly seen getting cozy just months after splitting from their respective relationships.Romantic date they were seen onMore entertainment newsJenna Wolfe is pregnant againKelly Clarkson reveals post-baby bod
  • Bombing suspect seeks case dismissal

    23 Aug 2014 | 3:42 am
    Bombing suspect seeks case dismissalAPLawyers for marathon bombing suspect Dzhokhar Tsarnaev said the makeup of the state's jury pool constitutes a violation of federal law.Two groups notably underrepresentedIn other newsPossible US terror attack avoidedKerry condemns shocking photo
  • Pam Anderson won't join ice bucket trend

    23 Aug 2014 | 3:42 am
    Pam Anderson won't join ice bucket trendAPTons of celebrities have been accepting the ALS challenge, but the former 'Baywatch' star said no. Controversial reason she refuses to support ALS researchMore on the challengeMan uses a tractor for his bucket50 Cent has a twist on the trend
  • Who will win at the 2014 Emmy Awards?

    23 Aug 2014 | 3:42 am
    Who will win at the 2014 Emmy Awards?APMost expect Bryan Cranston will take home the award for Lead Actor in a Drama series -- but some entertainment gurus aren't so sure.Actor poised to upset CranstonMore entertainment news 'Girls' season 4 teaserReality star upset about being naked
  • Cop seen in CNN report suspended

    23 Aug 2014 | 3:42 am
    Cop seen in CNN report suspendedCNNThe officer, who had a tense exchange with a reporter and protesters in Mo., was put on leave after a jarring video from earlier this year surfaced.Explosive words that got him troubleDid you see these stories?Rocket explodes during test flightU.S. retailers warned of hacking
 
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  • J. Law and Chris Martin spotted ... again

    23 Aug 2014 | 3:42 am
    J. Law and Chris Martin spotted ... againGettyThe actress and Coldplay's frontman were reportedly seen getting cozy just months after splitting from their respective relationships.Romantic date they were seen onMore entertainment newsJenna Wolfe is pregnant againKelly Clarkson reveals post-baby bod
  • Bombing suspect seeks case dismissal

    23 Aug 2014 | 3:42 am
    Bombing suspect seeks case dismissalAPLawyers for marathon bombing suspect Dzhokhar Tsarnaev said the makeup of the state's jury pool constitutes a violation of federal law.Two groups notably underrepresentedIn other newsPossible US terror attack avoidedKerry condemns shocking photo
  • Pam Anderson won't join ice bucket trend

    23 Aug 2014 | 3:42 am
    Pam Anderson won't join ice bucket trendAPTons of celebrities have been accepting the ALS challenge, but the former 'Baywatch' star said no. Controversial reason she refuses to support ALS researchMore on the challengeMan uses a tractor for his bucket50 Cent has a twist on the trend
  • Who will win at the 2014 Emmy Awards?

    23 Aug 2014 | 3:42 am
    Who will win at the 2014 Emmy Awards?APMost expect Bryan Cranston will take home the award for Lead Actor in a Drama series -- but some entertainment gurus aren't so sure.Actor poised to upset CranstonMore entertainment news 'Girls' season 4 teaserReality star upset about being naked
  • Cop seen in CNN report suspended

    23 Aug 2014 | 3:42 am
    Cop seen in CNN report suspendedCNNThe officer, who had a tense exchange with a reporter and protesters in Mo., was put on leave after a jarring video from earlier this year surfaced.Explosive words that got him troubleDid you see these stories?Rocket explodes during test flightU.S. retailers warned of hacking
  • add this feed to my.Alltop

  • J. Law and Chris Martin spotted ... again

    23 Aug 2014 | 3:42 am
    J. Law and Chris Martin spotted ... againGettyThe actress and Coldplay's frontman were reportedly seen getting cozy just months after splitting from their respective relationships.Romantic date they were seen onMore entertainment newsJenna Wolfe is pregnant againKelly Clarkson reveals post-baby bod
  • Bombing suspect seeks case dismissal

    23 Aug 2014 | 3:42 am
    Bombing suspect seeks case dismissalAPLawyers for marathon bombing suspect Dzhokhar Tsarnaev said the makeup of the state's jury pool constitutes a violation of federal law.Two groups notably underrepresentedIn other newsPossible US terror attack avoidedKerry condemns shocking photo
  • Pam Anderson won't join ice bucket trend

    23 Aug 2014 | 3:42 am
    Pam Anderson won't join ice bucket trendAPTons of celebrities have been accepting the ALS challenge, but the former 'Baywatch' star said no. Controversial reason she refuses to support ALS researchMore on the challengeMan uses a tractor for his bucket50 Cent has a twist on the trend
  • Who will win at the 2014 Emmy Awards?

    23 Aug 2014 | 3:42 am
    Who will win at the 2014 Emmy Awards?APMost expect Bryan Cranston will take home the award for Lead Actor in a Drama series -- but some entertainment gurus aren't so sure.Actor poised to upset CranstonMore entertainment news 'Girls' season 4 teaserReality star upset about being naked
  • Cop seen in CNN report suspended

    23 Aug 2014 | 3:42 am
    Cop seen in CNN report suspendedCNNThe officer, who had a tense exchange with a reporter and protesters in Mo., was put on leave after a jarring video from earlier this year surfaced.Explosive words that got him troubleDid you see these stories?Rocket explodes during test flightU.S. retailers warned of hacking
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    Artemis.bm - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management Blog

  • Hoplon II lottery jackpot-linked catastrophe bond launches

    Artemis
    22 Aug 2014 | 8:26 am
    The Hoplon II Insurance Ltd. lottery jackpot winnings catastrophe bond-type structure has now been successfully issued, securing the sponsor MyLotto24 a €50m collateralized source of insurance protection from the capital markets. The Hoplon II Insurance ILS deal launched a few weeks ago, as MyLotto24 looked to cover some of its lottery jackpot winning and tax shortfall risks using a capital markets source of insurance capital. The transaction is MyLotto24′s second trip to the capital markets for this protection, following on from the 2011 Hoplon Insurance Ltd. deal, which matures in early…
  • RMS economic exposure data shows risk transfer potential in Asia

    Artemis
    22 Aug 2014 | 5:25 am
    One of the world’s leading catastrophe risk modelling firm’s, RMS, has announced the release of a new Economic Exposure Database and Industrial Clusters Catalogs for the Philippines, South Korea, Taiwan, Thailand and Vietnam. The new database will enable insurers, reinsurers and insurance-linked securities (ILS) managers or specialists to understand and develop a much more comprehensive view of risk across Asia, which is achieved by a set of exposure databases that provide location, configuration and economic values of exposure concentrations throughout the five countries. As a whole,…
  • Delta Lloyd in EUR 12 billion index-based longevity swap with RGA Re

    Artemis
    21 Aug 2014 | 11:56 pm
    Dutch insurance, pensions and investments firm Delta Lloyd has entered into an index-based longevity swap transaction covering €12 billion of its longevity reserves with Reinsurance Group of America. It’s the first longevity risk transfer or swap transaction which is linked to an underlying mortality index that we’ve covered in some time, as the majority of deals in recent months have concentrated on an insurance/reinsurance approach to transferring longevity risk into the global reinsurance markets. The deal sees RGA providing longevity risk protection and capital benefit on…
  • Climate change could slash South Asian economy by 9% a year

    Artemis
    21 Aug 2014 | 8:17 am
    A recent report has stressed the impact that climate change and an expected increase in severity and frequency of natural disasters will have on Asia, claiming it could slash almost 9% off the South Asian economy each year. The report, titled ‘Assessing the Costs of Climate Change and Adaptation in South Asia’ was published by the Asian Development Bank (ADB), and focuses on economic predictions for six regions up to the year 2050 and an even broader scope to 2100. Between Bangladesh, Bhutan, India, Nepal, Sri Lanka and the Maldives, the groundbreaking ADB report states that each country…
  • Phoenix pension scheme in £900m longevity swap with own insurer

    Artemis
    21 Aug 2014 | 4:50 am
    The pension scheme of UK closed life and pension fund consolidator Phoenix Group, has entered into a longevity swap transaction with its own insurer Phoenix Life Limited, simultaneously reinsuring the longevity risk on a quota share basis. Aon Hewitt announced this morning that it has acted as the lead advisor to the Trustees of the PGL Pension Scheme in their longevity insurance transaction with Phoenix Life Limited. The deal, which Aon Hewitt categorise as a longevity swap, will provide the trustees with additional security for the scheme by hedging the longevity risk associated with…
 
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    GCCapitalIdeas.com

  • Week’s Top Stories: August 16 — 22, 2014

    GC Editor
    22 Aug 2014 | 5:00 am
    GC Videocast - MENA Insights: Mahomed Akoob, Managing Director, Hannover Re Takaful: In our fourth MENA Insights interview Mahomed Akoob, managing director of Hannover Re Takaful, considers the huge... Continue reading...
  • The Terrorism Reinsurance Market

    GC Editor
    20 Aug 2014 | 10:00 pm
    Despite the recent spike in terrorist-related activity, evolving capacity and the absence of a major terrorism loss for reinsurers have resulted in a softening terrorism reinsurance market in areas... Continue reading...
  • Potential Future Risks

    GC Editor
    19 Aug 2014 | 10:00 pm
    The spillover of violence from Syria to other Middle Eastern countries is a clear risk in 2014 and beyond. The conflict, and the sectarian tensions that underpin it, could destabilize a number of... Continue reading...
  • GC Videocast - MENA Insights: Mahomed Akoob, Managing Director, Hannover Re Takaful

    GC Editor
    18 Aug 2014 | 6:00 am
    In our fourth MENA Insights interview Mahomed Akoob, managing director of Hannover Re Takaful, considers the huge potential of the Takaful and Retakaful market in the region, which he thinks could... Continue reading...
  • Key Battlegrounds

    GC Editor
    17 Aug 2014 | 10:00 pm
    The next 18 months are likely to be an important period for Afghanistan and Pakistan in determining whether the impending withdrawal of US-led coalition forces from Afghanistan could be exploited by... Continue reading...
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    Free Insurance Magazines and Downloads from alltop.tradepub.com

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

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

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

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

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

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

  • Has Medical Tourism Jumped the Shark?

    22 Aug 2014 | 1:40 pm
    Over the years, we've written many times about medical tourism: from folks traveling to the US for treatments to folks who found better options abroad.But this, this boggles the mind:"The number of foreigners traveling to Switzerland to commit assisted suicide doubled over a four-year period"Europeans made up the bulks of their "customers," the article didn't mention how many Yankees participated.Original content copyright © InsureBlog
  • Tax Form 1040(OY)

    22 Aug 2014 | 7:37 am
    Let's suppose that, against all odds, you've successfully navigated the 404Care.gov site and enrolled in an ObamaPlan. And let's further suppose that, against all odds again, you're deemed eligible for a subsidy.Now - and bear with me here - let's suppose even further that you're gainfully employed and need to file your taxes. Piece of cake, right?Um:"Obamacare customers won’t be able to file their tax returns next year until the government sends them a form detailing their coverage and tax credits"Well, we're all familiar with the prompt, efficient and accountable IRS, so no problem,…
  • Carefree, or Free to Care?

    22 Aug 2014 | 5:30 am
    Dr Rob Lamberts (whom we interviewed a few short years ago, when he dove into the concierge medicine pool) has a touching, sad but ultimately hopeful post on end of life care, and the compassion one can bring to the table:"Thank you, sir, for letting me into your home.  Thank you for trusting me when you didn't want to trust a doctor.  Thank you for letting me help you stay at home and live out your last days as you wanted them to be."Read the whole thing.Original content copyright © InsureBlog
  • What's Old is New: The AMA, Medicare and Value

    21 Aug 2014 | 10:27 am
    Almost four years ago, we wrote about a little known committee, nestled deep in the bowels of the American Medical Association (AMA), that exercised outsized power over how much money doctors will receive in Medicare reimbursements:"Three times a year, 29 doctors gather around a table in a hotel meeting room. Their job is an unusual one: divvying up billions of Medicare dollars"As reported at the time in the Wall Street Journal, "the influence of the secretive panel, known as the Relative Value Scale Update Committee, is enormous ... the impact of the decisions made by the doctors on the RUC…
  • Wednesday Potpourri

    20 Aug 2014 | 11:38 am
    ■ Craig Gottwals has the scoop on the latest Golden State efforts to come into line with the new group waiting period requirements:"A year and a half ago, California decided that the 90-day waiting period limit imposed by PPACA ... was too long and cut that period to 60 days via a series of confusing state laws."After driving benefits folks nuts trying to comply with conflicting federal and state requirements, the state's finally shelved their own ill-advised rule. Click on through for why this is so critical.Speaking of small groups, the news on the alleged SHOP (small group marketplace)…
 
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    Workers Comp Insider

  • Health Wonk Review - August Recess Edition

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

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

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

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

    Julie Ferguson
    14 Jul 2014 | 7:29 am
    R.J. Weiss of Weiss Insurance hosted last week's Cavalcade of Risk #212 - check it out! And while in the neighborhood,. check out his blog, too....
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    Managed Care Matters

  • Friday catch-up

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

    Joe Paduda
    21 Aug 2014 | 4:30 am
    NCCI’s just-published assessment of work comp trends has a wealth of information, much of it well worth contemplation by anyone in the industry. Here are a few takeaways that jumped out at me. Overall the current state of the market is steady – the market and rates are firm, premiums are trending up modestly, frequency is continuing its structural slow decrease, and claims cost inflation appears to be well within acceptable ranges. Employment has returned to its pre-recession level, yet the percentage unemployed remains above 6 percent.  Employment drives premium so…
  • Brad’s HWR is up and running

    Joe Paduda
    20 Aug 2014 | 4:29 am
    While Congress is on vacation (not that anyone can tell the difference…) Health Wonk Review is most definitely not.  Brad Wright keeps us up to date on what’s happening while the summer goes on. HWR is back to its twice-a-month schedule next month.  Enjoy the rest of August!
  • Monday catch-up

    Joe Paduda
    18 Aug 2014 | 5:08 am
    Had a great few days of vacation last week; completely ignored work, spent a lot of time with many old friends, and learned for the millionth time how unbelievably lucky I am to be married to Deb. Here’s a VERY brief summary of some of the happenings that happened while I was doing everything possible to ignore them. Workers’ Comp NO acquisitions were announced.  Maybe it’s because August is a big vacation month – not that the investment world ever takes vacations – but no deals were announced, or even rumored to be done last week.   Word is APAX/OneCall is…
  • Survey of Drug management in work comp – quick take

    Joe Paduda
    11 Aug 2014 | 8:40 am
    This is the eleventh (!) year I’ve been involved in surveying workers’ comp payers to get their take on pharmacy management.  Now that Yvonne Guibert (thank you Yvonne) has finished collecting the data, I’m working on the report.  It’s going to take a week or so, but I’ve pulled a couple highlights to whet your appetite. Overall, drug spend declined for most of the 25 respondents, with some seeing percentage decreases in the double-digits. In addition, total spending (across all respondents) declined as well – by about the same margin. Top problem? close…
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    Insurance Industry Blog

  • Another Named Storm?

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

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

    Claire
    13 Aug 2014 | 5:30 am
    Construction workers, farmers and landscape workers take note: insect-related deaths are most likely in your line of work. As reported by The Wall Street Journal’s The Numbers blog, a new report from the Bureau of Labor Statistics (BLS) finds that insects, arachnids, and mites were involved in 83 fatal occupational injuries from 2003 to 2010. During the course of the eight-year period, farmers and farm workers (20 fatalities), construction occupations (19 fatalities) and landscaping workers (17 fatalities) accounted for two-thirds of the deaths. Bees were responsible for 52 workplace deaths…
  • Why a Below-Normal Hurricane Forecast Doesn’t Matter

    Claire
    8 Aug 2014 | 7:38 am
    Forecasters with NOAA’s Climate Prediction Center now say the chances of a below-normal Atlantic hurricane season have increased to 70 percent, up from 50 percent in May. In its updated outlook, NOAA said overall atmospheric and oceanic conditions that are not favorable for storm development will persist through the season. Check out the revised numbers in this NOAA graphic: However, coastal residents may want to heed the words of NOAA lead forecaster Dr. Gerry Bell: Tropical storms and hurricanes can strike the U.S. during below-normal seasons, as we have already seen this year when Arthur…
  • Latest Cyber Security Breach: 1.2B Passwords Stolen

    Claire
    6 Aug 2014 | 4:46 am
    Companies large and small appear to have been targeted in what is being described as the largest known data breach to date. As first reported by The New York Times, a Russian crime ring amassed billions of stolen Internet credentials, including 1.2 billion user name and password combinations and more than 500 million email addresses. The NYT said it had a security expert not affiliated with Hold Security analyze the database of stolen credentials and confirm its authenticity. The records, discovered by security experts Hold Security, include confidential material gathered from 420,000…
 
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    Dental Insurance Trends

  • 5 Top Reasons to Shop for, Buy Individual Dental Insurance Online

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

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

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

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

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

  • Vote for GoHealth’s Clint Jones and Brandon Cruz!

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

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

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

    GoHealth
    12 Aug 2014 | 11:46 am
    Never have the words ‘your health is in your hands’ been truer. As our ‘smartphones’ get even smarter, so does our capability to understand life’s various complexities on the go (cue the Run and Pee app which tells you the best times to go pee during a movie and then fills you in on what you missed during your bathroom break!). Check out this list of six free health apps that will have you on the way to a healthier lifestyle no matter how busy you may be. Drugs.com What It Does: The question might as well be what doesn’t it do! This app makes it easy to look up drug info, identify…
  • Chicago Developers Learn Grails Framework at GoHealth-Sponsored Meetup

    GoHealth
    10 Aug 2014 | 11:22 am
    Jeff Gutierrez, GoHealth Vice President of Software Architecture, welcoming developers to the Meetup event in Chicago. If there are three things to bring Chicago web developers together, it’s free food, craft beer and technology. Nearly 100 people came out for all three at a GoHealth-sponsored Meetup event through the Chicago Java Users Group. The event showed developers how to get started with Grails framework, an open source web application. The Meetup, which took place on August 7th in Chicago, was also a great networking opportunity for technology professionals. GoHealth developers…
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    IBR - News

  • The terrorism reinsurance market

    22 Aug 2014 | 5:29 am
    Despite the recent spike in terrorist-related activity, evolving capacity and the absence of a major terrorism loss for reinsurers have resulted in a softening terrorism reinsurance market in areas with less perceived risk.
  • Society Insurance deploys Cover-All Policy for workers compensation

    22 Aug 2014 | 2:21 am
    Society Insurance (Society), a multi-line commercial property and casualty (P&C) insurance company specializing in niche business, and Cover-All Technologies, announced that Society is now live with Cover-All Policy for Workers Compensation including rating, quoting, underwriting, policy lifecycle management, document generation/management, and program-based underwriting, bringing exceptional value to their policyholders and expanding agency force.
  • RGA announces Dutch Longevity transaction with Delta Lloyd

    22 Aug 2014 | 2:18 am
    Reinsurance Group of America, Incorporated (RGA) announced the completion of an agreement whereby RGA will provide longevity risk protection and capital benefit on reserves of approximately EUR 12 billion to Delta Lloyd Levensverzekering, the Dutch life insurance arm of the Delta Lloyd Group (Delta Lloyd).
  • ACE Life, AEON to provide insurance products through telemarketing

    22 Aug 2014 | 2:17 am
    ACE Group global life insurance division ACE Life has partnered with AEON Insurance Service (Thailand) to jointly provide life, personal accident and health insurance products to the PLC's customers of AEON Thana Sinsap through telemarketing in Thailand.
  • Allied World to acquire RSA’s Hong Kong and Singapore businesses for $215m

    21 Aug 2014 | 8:59 pm
    Allied World Assurance Company has signed an agreement with Royal & Sun Alliance Insurance (RSA) to acquire its Hong Kong and Singapore operations for around $215m.
 
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    JohnConner.com

  • Hong Kong Travel Medical GeoBlue and Bupa

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

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

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

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

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

  • Market Review – 2014 Week32

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

    David Haslam
    5 Aug 2014 | 6:26 am
      “In the middle of difficulty lies opportunity” – Albert Einstein The Central Bank raised its forecast for Irish GDP (gross domestic product) in 2014 to 2.5%, up 0.5%. European bond yields (which move inversely in response to the market price of a bond) fell to historical lows with the yield on Germany’s 10-year Bunds falling 2.6 basis points to 1.12 on Tuesday morning. With the exception of hyperinflation period in the early 1920s this is Germany’s lowest borrowing rate since at least 1815. As European government bond yields reach record lows, large fund managers in Tokyo…
  • Market Review – 2014 Week30

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

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

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

  • Battling Back to School Blues

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

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

    Fran Shaw
    21 Aug 2014 | 10:51 am
    Miller’s Insurance Agency truly values not only their clients, but their employees. This month we’re highlighting Mike Staffieri, who is a hardworking Personal Insurance Consultant. His optimistic personality and knack for helping others are just a couple of the many valuable traits Mike possesses. The relationship we build with our clients is of the utmost importance to us, which is why we think you’d love to learn a little more about the people who strive to take care of your needs. Can you tell me a little bit about your family? “My wife is Linda Staffieri who works…
  • An Alternative to FeedWordPress

    Fran Shaw
    27 Jul 2014 | 4:03 pm
    FeedWordPress was one of the most popular RSS feed import plugins in the past, however sadly its development has been discontinued. More and more ex-FeedWordPress users are moving over towards having their sites powered by WP RSS Aggregator and the Feed to Post add-on. Are you a current FeedWordPress user? Let us know if you have any questions about migrating to WP RSS Aggregator. Since we’re noticing more and more people make the switch we want to make it as painless a process as possible, and if we there is enough interest we could also build an export/import tool to help with the…
  • Announcing Integration with WordAi

    Fran Shaw
    21 Jul 2014 | 10:08 am
    Today we are proud to announce that we have released a new add-on which allows WP RSS Aggregator to integrate seamlessly with the WordAi service. Here’s a short video intro to WordAi: Unlike other spinners, WordAi fully understands what each word content means. It doesn’t view sentences as just a list of words, it views them as real things that interact with each other. This human like understanding allows WordAI to automatically rewrite entire sentences from scratch. This high level of rewriting ensures that Google and Copyscape can’t detect your content while still…
 
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    Blog

  • Musicians Blast NFL Pay-to-Play Scheme

    22 Aug 2014 | 10:52 am
    Normally, regardless of what the field you work in, you show up, you perform the tasks required of you, then you get paid for your work.  The National Football League (NFL) has a better idea: Show up, perform and you pay them.  At least that'’s its proposal for musicians who might play at halftime of the Lleague'’s biggest event, the Super Bowl. 
  • Training Up Down Under

    22 Aug 2014 | 5:59 am
    In 2012, the Plumbers and Pipefitters (UA) and Australia’s Plumbing Trades Employees Union (PTEU) entered into a unique affiliation agreement to combat global climate change by sharing industry best practices, particularly around alternate forms of energy generation, such as biofuels and geothermal technology. The affiliation allows for joint skills training and employment initiatives in the United States, Canada and Australia.
  • K

    21 Aug 2014 | 1:01 pm
    Despite attempts by both the ownership of the K&P Car Wash and the Association of Car Wash Owners to intimidate them, workers at the K&P Car Wash in New York voted to join the Retail, Wholesale and Department Store Union (RWDSU), an affiliate of the United Food and Commercial Workers. K&P becomes the ninth car wash to unionize since a campaign was launched in 2012.
  • Let’s Keep Walmart out of Our Classrooms, OK?

    21 Aug 2014 | 7:55 am
    Summer’s about gone, and kids and teachers are getting ready to head back to school.Back-to-school isn't the most fun time of year, but it is especially hard for teachers and students when there are billionaire families, like the Walmart-owning Waltons, gearing up to use their riches to attack public education and shift much-needed resources to for-profit corporate schools.
  • 12 Recent Victories for Workers in Raising Wages and Collective Bargaining

    20 Aug 2014 | 11:48 am
    While it certainly seems that extremists on the far right are waging an all out war on working families and their rights, workers aren't just defending themselves, they are fighting to expand their rights and are achieving some significant victories.  Here are 12 recent victories that we should celebrate while continuing to push for even more wins.
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    IFAwebnews.com | P/C insurance

  • GRBM acquires fellow NY agency

    IFAwebnews Staff
    22 Aug 2014 | 9:59 am
    GRBM Insurance, a family-owned independent insurance agency in Brewster, N.Y., has acquired Meyer Agency, based in nearby Carmel, N.Y. Terms of the deal were not disclosed. GRBM was founded by agency president Gary McCarthy in 1986, and specializes in coverage for tough and high-risk contractors. According to a statement from GRBM: “The acquisition helps round out the client base and diversify our agency to strengthen our position in the insurance marketplace. Meyer Agency brings a broad range of personal and commercial clients with a focus on the local area.” GRBM Insurance is based 75…
  • Virginia CSR named best in nation

    IFAwebnews Staff
    22 Aug 2014 | 9:08 am
    Teresa C. Sheppard, an account manager for Campbell Insurance in Brookneal, Va., was presented the 2014 National Outstanding CSR of the Year Award, according to the National Alliance for Insurance Education & Research. The Society of Certified Insurance Service Representatives (CISR) and the Society of Certified Insurance Counselors (CIC) selected Sheppard as the winner of this award from a field of 42 state winners. Teresa Sheppard Sheppard holds the CIC, CISR, AAI, ACSR, CPIW and AIS designations, and has been with the agency for more than 30 years. Campbell Insurance is based in…
  • Louisiana attorney general files suit against State Farm

    IFAwebnews Staff
    20 Aug 2014 | 8:14 am
    Louisiana Attorney General Buddy Caldwell filed lawsuit against State Farm Insurance alleging the nationwide insurer has engaged in a pattern of unfair and fraudulent business practices aimed at controlling the auto repair industry and forcing unsafe repairs on vehicles without the knowledge or consent of Louisiana consumers. Attorney General Caldwell said, “State Farm has created a culture of unsafe business practices in which consumer vehicle repairs are performed with cost-savings as the primary goal rather than safety and reliability.” The suit, filed in Louisiana’s 19th Judicial…
  • Big “I” names former Cantor advisor as new director of federal government affairs

    IFAwebnews Staff
    19 Aug 2014 | 3:19 pm
    Wyatt Stewart has joined the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) Capitol Hill team as director of federal government affairs. “Wyatt brings a wealth of congressional and political experience to the Big ‘I’,” says Charles E. Symington, Jr., Big “I” senior vice president for external and government affairs. “The Big ‘I’ is pleased to welcome him to our federal government affairs team.” Stewart previously served as advisor for policy and coalitions for House Majority Leader Eric Cantor (R-Va.). He worked for Leader Cantor in…
  • InVEST awards 70 academic student scholarships in NY, Va., Calif., Ga., Ill., Mich., Texas

    IFAwebnews Staff
    19 Aug 2014 | 3:07 pm
    InVEST, the insurance industry’s classroom to career education program, has awarded $87,000 in scholarships to 70 students pursuing insurance-related degrees, breaking previous scholarship records. The program is a key incentive in attracting new talent to the insurance industry. This year’s scholarship winners represent 17 schools and hail from California, Florida, Georgia, Illinois, Michigan, New York, Texas and Virginia. “InVEST congratulates the 70 students representing 17 schools and from eight states who earned scholarships this year,” says Robert G. Slocum, CPCU, CIC, InVEST…
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    Insure Life Surpasses Your Expectations

  • Life Insurance Planning: Products, People, and Processes

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

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

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

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

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

  • How to Have Better Persistency?

    Funguy
    23 Aug 2014 | 3:19 am
    Hey guys, My questions are for all experienced producers who have improved their persistency ratios. 1)What is it that you have done differently or changed to improve your persistency situation? 2)Any advice how to minimize or prevent NSF situations? (I would appreciate your wisdom a lot on this particular topic) 3)I have heard some people say persistency is better when clients have lower premium amounts such as $ 50 & below. What is your opinion & why? 4)Is your persistency better when people have bigger face amounts such as $15,000 & more? 5)Has your persistency been better in…
  • Self Starter Looking for a Mentor...

    cartemj06
    23 Aug 2014 | 1:39 am
    I just left a career in outside sales due to the restructuring of the company. I was told to look into insurance since I like sales so much and that landed me here. I have been reading almost non-stop for two weeks about this business and I want to get started. I have people waiting to work with me when I get my feet under me. I have been interviewing with a recruiter/office manager at a captive agency that an acquaintance of mine was a previous agent with. I think that things may have changed from what she remembers(retired in '09), but I am getting the idea that I am being set up to get
  • First 3 Months in FE

    InsKid
    23 Aug 2014 | 12:15 am
    This is my first 3 FE months, May 22 to August 22. I originally thought I should do medicare supplements but changed quickly to FE. I did sell two F plans in May. FE Marketing costs ($840) $440 for 2,000 DM leads $350 for 10 TM leads $50 for 500 door hangers 25 policies sold (12,964 AP) Avg. age: 60.1 Avg. face amount: $8,588 Avg. monthly payment $42.31 3 White clients (2 female) 1 Hispanic client (female) 21 black clients (13 females) 21 are paying EFT, 2 on their DE card and 2 by direct bill. All sales were within 15 miles of my home. Any comments or suggestions?
  • How Long to Get Appointed in CA ?

    KatieS
    22 Aug 2014 | 7:12 pm
    How long does it take to get appointed selling life insurance in CA ?
  • Organization?

    BrendanFFG
    22 Aug 2014 | 6:35 pm
    If you where a P&C agent selling 35-40 policies a week, what would you do to stay organized? When I say organized I mean making sure everything is fulfilled, apps sent out/ keeping track of where each individual is in the process of the sale? We use EzLynx as a rater and outlook calenders for appointments. Currently we have multiple excel sheets that are cluttered and difficult to work through. Were a small team now, but before we grow this has to be dealt. Any advice or help from you guys is much appreciated!
 
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    bestcarinsurancecompanies.net

  • Most Expensive States For Auto Insurance in 2014

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

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

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

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

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

  • The Top 5 Driver Distractions

    19 Aug 2014 | 10:00 pm
    From French fries to four-year-olds, there's more to distracted driving than picking up that phone.
  • How To Save $25,000+ On Your Mortgage

    17 Aug 2014 | 10:00 pm
    See how you can save $25,000 plus on your mortgage. Kanetix.ca details 4 ways to pay less over the life of your mortgage. Read what they are.
  • Will Work For Belly Rubs

    12 Aug 2014 | 10:00 pm
    Take Your Dog To Work Day. A pet-friendly office requires more than just belly rubs. Learn about the benefits of pets in the workplace and tips for success.
  • Twelve Common Myths About Auto Insurance

    12 Aug 2014 | 10:00 pm
    Common myths about car insurance in Canada that could result in overpaying for car insurance coverage. Find out what the 12 car insurance myths are.
  • Ways To Avoid Distracted Driving Habits

    10 Aug 2014 | 10:00 pm
    Avoid being a distracted driving statistic; tips to help you not become a distracted driver.
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    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • Five Mistakes People Make When Buying San Diego Homeowner’s Insurance

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

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

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

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

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

  • Register Today for the ISO ClaimSearch User Meeting on September 30

    Louis Riggio
    20 Aug 2014 | 1:43 pm
    Invigorate your claims management team by attending a 2014 ISO ClaimSearch User Meeting. This series of meetings for ISO ClaimSearch members will provide the latest news and helpful user tips to improve your claims processing, analysis, and investigations. We’ve designed the sessions to help you tackle your claims processing challenges, including new and ever-changing compliance issues. You’ll learn about best practices, network with peers, and take back strategies for success. ISO ClaimSearch User Meetings are complimentary one-day events, (including lunch) in four major cities…
  • Peer-to-Peer Ridesharing: Unwanted exposure or opportunity?

    Jimmy Engstrom
    19 Aug 2014 | 6:39 am
    The past few years have seen the rise of so-called transportation network companies (TNCs) such as Uber, Lyft, and Sidecar. These companies have built technology platforms that enable passengers to request rides from drivers using their own vehicles who have registered on these networks using an app on their mobile phones. The explosive growth of TNCs (ridesharing services are already available in more than 60 major cities) can be attributed to the public’s dissatisfaction with the price, availability, and service of traditional taxis and livery vehicles. Proponents of TNCs often cite cost,…
  • Forging a New Identity Online

    Shawn Dougherty
    18 Aug 2014 | 3:45 am
    In the film The Shawshank Redemption (warning: spoiler alert), a wrongfully imprisoned accountant named Andy uses a typewriter, some postage, and a little imagination to forge a new identity. He creates the new identity to help launder the corrupt warden’s constant flow of bribes. But when Andy escapes prison, he adopts the forged identity, beginning life anew with more than $300,000. The concept, at first, seems unbelievable. How can Andy create a person out of thin air just by writing letters? I’d like to say that it’s still a very complex proposition that only people in the movies…
  • Looking forward to working with the fire service

    Tom Weber
    15 Aug 2014 | 7:49 am
    When I was hired as a firefighter by the City of Sunrise, Florida Fire Department in 1977, I never thought my career would lead me here — National Director of Community Hazard Mitigation Services for ISO/Verisk Analytics. I am honored, and I’d like to introduce myself to you. My path to National Director was filled with excitement, challenges, opportunities, and horrific situations — as faced by all firefighters. Many of my opportunities were mentor driven, for which I am grateful, and there were many challenges to overcome. Both experiences strengthened my desire to succeed, a desire…
  • Verisk Commercial Property Consulting gives you an edge

    Anthony Recanatini
    15 Aug 2014 | 7:13 am
    To achieve your return-on-investment (ROI) goals, meet your operational and underwriting objectives, and overcome the market challenges of today and tomorrow, you need an edge. Verisk Commercial Property Consulting was designed to give you that advantage. As principal consultant, I want to introduce you to our service, acquaint you with the benefits we offer, and invite you to attend our web seminar on August 21. Consulting is staffed by experts who understand the intricacies and challenges of the insurance industry. Personally, I have extensive experience in insurance, consulting services,…
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    InsureDirect.com » Straight Talk On Insurance

  • Tips in Getting the Cheapest Ohio Car Insurance Quotes Online

    admin
    16 Aug 2014 | 3:11 pm
    Living in the digital world, it is easy for us to get access to all the information we require online, including the cheapest Ohio car insurance quotes available. Now more than ever, car owners have the luxury of shopping for car insurance while in the comfort of their homes since everything they need is available online. Aside from making the task a lot easier, people can easily compare quotes for possible savings. Listed below are a few tips that you should keep in mind when searching for the cheapest Ohio car insurance quotes online. Identifying Cheapest Ohio Car Insurance Quotes Online…
  • Tips to Save on NJ Auto Insurance

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

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

    admin
    11 Aug 2014 | 12:59 pm
    Have you ever wondered which place is better: South Jersey, or Philadelphia? While there is always an ongoing debate between couples seeking the ‘best’ place to live, as well as residents from far across the country moving to our region for a new job, the verdict is in, and here are a few reasons one might consider South Jersey a better place to live versus Philadelphia. While Philly has its history, rich culture, strong sports following and city life, South Jersey has its beaches, wide open roads, beautiful suburbs and the most densely populated state in the country which begs…
  • Factors That Affect NJ Car Insurance Rates

    admin
    10 Aug 2014 | 3:01 pm
    Legally, car owners are required to carry a certain amount of minimum insurance. However, the sky-high NJ car insurance rates put a hole on your household budget and force you to rethink your insurance strategy. In this article, we’ll give you a rundown on some of the factors that most insurance companies use to set NJ car insurance rates. Knowing what affects your rate is beneficial as it will help you make an informed decision and keep the costs down. So What Affects NJ Car Insurance Rates? Age and gender In most cases, young men usually incur higher NJ car insurance rates as compared to…
 
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    Life Insurance Insights

  • More Life Insurance Uses for Foreign Internationals

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

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

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

    Mike
    12 Aug 2014 | 10:30 am
    I previously discussed how converting term insurance works.  It’s when you decide you no longer want term insurance and you exchange your term policy for a permanent policy without having to provide any current personal information to the insurance company.  The new permanent policy is issued in the same underwriting class as the term based on premiums for your then attained age. Here’s an interesting scenario where a man purchased a $1,000,000 20 year term policy when he was age 32.  At the time he was a Preferred risk.  He is now age 52 and his 20 year term policy is coming to the…
  • Help Yourself to the Best Premiums

    Mike
    7 Aug 2014 | 10:23 am
    There are many factors that go into what you will be charged for life insurance.  There is really only one of those factors that is totally out of your control:  family history.  If your father died of a heart attack at the age of 55 there’s nothing you can do about that, and that would disqualify you as being eligible for the Preferred-plus premiums with all companies.  But even with this totally uncontrollable factor if you are age 65 when you are applying for insurance, have never used tobacco, have no other cardio vascular risk factors and your father was a 2+ pack per day smoker,…
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    SelectNews Blog

  • Simple Tips To Add Years

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

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

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

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

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

  • Everything You Need to Know About California's Good Driver Discount

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

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

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

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

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

  • Why Contents Insurance is Essential for Low Income Homes

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

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

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

    qldb_admin
    7 Aug 2014 | 3:29 am
    The Highs and Lows of Travel Insurance New figures from the Association of British Insurers reveal that 4,300 travel insurance claims were made every week last year. More claims were made for medical treatment than for cancellation or loss of personal possessions, with average payouts totalling £930. Despite the fact that average premiums cost just £32; nearly 20% of holidaymakers risk travelling without insurance. Government Cracks the Whip on Fraudulent Claims In a bid to crack-down on bogus whiplash insurance claims the government has announced a cap on medical report fees. The UK has…
  • Looking After Your Dog in Warm Weather

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

  • Real Estate Firm Settles Trademark Lawsuit

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

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

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

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

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

  • Tennis in Times Square to #RallyForACause

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

    Heidi Wallis
    19 Aug 2014 | 5:00 am
    The new Esurance commercial introduces Shirlee, who’s crushin’ it. Literally. The post Esurance Commercial: Shirlee (Video) appeared first on The Esurance Blog.
  • Esurance Homeowners Insurance is Ready to Rock and Roll in Ohio

    Ellen Hall
    18 Aug 2014 | 5:00 am
    Ohio homeowners, here’s yet another reason to love living in the Buckeye State — now you can protect your castle with our first-rate coverage! The post Esurance Homeowners Insurance is Ready to Rock and Roll in Ohio appeared first on The Esurance Blog.
  • 4 Things You Need To Know Right Now About Hurricanes

    Ellen Hall
    15 Aug 2014 | 5:00 am
    The 2014 hurricane season is predicted to be a slow one. Here’s why you need to be prepared anyway. The post 4 Things You Need To Know Right Now About Hurricanes appeared first on The Esurance Blog.
  • The Shocking Truth About ATV Crashes

    Rachael Heller
    14 Aug 2014 | 9:44 am
    Hundreds of riders die in ATV crashes every year. Find out how to stay safe on your next ATV adventure. The post The Shocking Truth About ATV Crashes appeared first on The Esurance Blog.
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    Healthedeals.com Blog on Health Insurance

  • Can I Buy Health Insurance From the SHOP Exchange if I am Self-Employed?

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

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

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

    13 Aug 2014 | 7:40 am
    Employers ditching their group policies and forcing employees to shop the state-based and federally facilitated exchanges, has been a big concern with the Obamacare rollout, especially in low-wage jobs where people are most likely to be eligible for subsidies. And, indeed, it has been happening. Some employers have even paid employees to shop for health insurance on their own. The legality of this practice depends on whether or not an employer gives employees pre-tax or taxable funds to buy health insurance. ProhibitedThe IRS prohibits employers from giving (or reimbursing) employees pre-tax…
  • 3 Alternatives to Buying Health Insurance from Obamacare Exchanges

    7 Aug 2014 | 6:55 am
    Under the Affordable Care Act, the health insurance plans that qualify as minimum essential coverage may be purchased on the state-based and federally facilitated exchanges, which the government calls the Health Insurance Marketplace. But did you know you can shop elsewhere? Minimum essential health insurance that fulfills Obamacare requirements may also be purchased away from the health insurance exchanges. Here are three alternative options for those looking to avoid HealthCare.gov or their state’s exchange when 2015 open enrollment begins Nov. 15, 2014. 1. Agents and brokers…
 
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    The Murray Group

  • Small Business Risk Management Is Good, But Is It Necessary?

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

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

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

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

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

  • YouTube Video Marketing Ideas for Insurance Agents – Part 2

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

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

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

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

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

  • Potentially Good News for Singapore Drivers

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

    Paul Cypert
    19 Aug 2014 | 12:14 am
    9UBCFJ5WDZF8Extend Your Life, Slow Down and Read a Book By Paul Cypert Sometimes Singapore moves too quickly.  Life here exists on rails. The momentum pushing you forward in a constant cycle. Rush to work, then back to your home…if you’re lucky stop to enjoy your hobby along the way when you can. The pace of life and digital onslaught edges out the little things. The old ways. Not many here will encourage taking moments for ourselves. To calm, rest, or exercise our brains a bit. Well, Brian Lim has. Mr Brian set up a simple little box in front of his house. Drive by quickly and you might…
  • South West Australia – Gourmet Guide (Pt 1)

    Claire Vorster
    15 Aug 2014 | 12:30 am
    9UBCFJ5WDZF8South West Australia – Gourmet Guide (Pt 1) By Claire Vorster South West Australia seems to have been lovingly designed for people who appreciate good food and wine. Spanning Bunbury, Margaret River, Pemberton, Denmark and Albany, the region offers a delicious selection of one-of-a-kind experiences for foodies who like to savour their travels. If you are looking for a place to start, DirectAsia.com has done the legwork for you, looking for places with character, that make you feel at home and help you gain a genuine feel for the region as an invited guest rather than a…
  • How to Choose Where to Travel Next?

    Paul Cypert
    14 Aug 2014 | 12:49 am
    9UBCFJ5WDZF8How to Choose Where to Travel Next? By Paul Cypert Living in Singapore places you on the doorstep to many places the rest of the world only dreams of being able to visit. Krabi, Bali, Fiji, Australia, HK and more are shorter flights than visiting the next town over in Texas. If anything the amount of excellent choices is almost overwhelming. How do you decide where to go next? You have your bucket list of places to visit before you die. Places that for whatever reason you just haven’t visited yet. Each time you try to pick one another seems more appealing or there’s a family…
  • Driving in School Zones – Not the Time for Selfish Driving

    Paul Cypert
    12 Aug 2014 | 10:14 pm
    9UBCFJ5WDZF8Driving in School Zones – Not the Time for Selfish Driving By Paul Cypert Singapore. Come on now.  We take great pride in our school systems. Each year our schools gain the world’s attention with their stellar test results. Our kids study hard, go for tutoring and commit themselves fully to their educations just to try to get into the advanced secondaries. And how do we reward them? By driving selfishly through school zones. A Bad 6 Months The Traffic Police released results to the Straits Times…and it’s grim. We drive selfishly when it comes time to pass through school…
 
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    InsureDirect.com

  • How to Get Accurate NJ Car Insurance Quotes

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

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

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

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

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

  • Auto Insurance For The Elderly

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

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

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

    InsurancePanda.com
    7 Mar 2014 | 12:52 pm
    Before we get into the topic of “how to switch to a new auto insurance provider”, you should first ask yourself – Why switch to a new auto insurance provider? People move their car insurance coverage to another insurance company for many different reasons. Some of these include: Problems with service and support with your current… Continue reading →The post How To Switch To A New Auto Insurance Provider appeared first on Insurance Panda.
  • Car Insurance Deductibles Explained

    InsurancePanda.com
    2 Mar 2014 | 12:47 pm
    Most of us have seen the auto insurance commercial with the poor young woman who is desperately trying to find someone who might be able to help her understand what a “deductible” is, and which one she should choose for her auto insurance policy. Understanding how insurance deductibles work, and which one is right for… Continue reading →The post Car Insurance Deductibles Explained appeared first on Insurance Panda.
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    Insurance Protection Blog

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

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

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

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

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

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

  • Road Trips Turn Out to Be More Expensive Than People Think

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

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

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

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

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

  • The Importance of Hobbies

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

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

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

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

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

  • Cyclists and the Law

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

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

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

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

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

  • Are Uber and Lyft Innovators, or Scofflaws?

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

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

    Jenna Christianson
    12 Aug 2014 | 8:09 am
    Life insurance is a big deal. It is the best way to ensure that your family is financially protected after you are gone. The persons you name as your beneficiaries are given a sum of money by the insurance company based on the details outlined in your policy. Of course, this is contingent upon your payment of a premium, either monthly or as a lump sum. If you don’t pay, neither will your insurance policy once you die. There are many different types of life insurance policies to choose between, depending upon the amount you want to leave to your beneficiaries, the length of coverage, cash…
  • Fourteen Property and Casualty Insurance Company Influencers

    Jim Holm
    6 Aug 2014 | 8:15 am
    The property and casualty industry is vast and prevented by competitive urges and law from working in concert. Yet, it is an industry that spends a great deal of time watching one another. Since a large share of the industry requires filings of rates and forms with regulators there is a high level of transparency.  There are a few people who are shaping our industry and are the property and casualty insurance company influencers. Shaping is the process of incremental movement toward an approximation of an ultimate goal. It is hard work and often frustrating because of the immense inertia in…
  • Do I Need Car Insurance or Home Insurance for my RV?

    Jenna Christianson
    5 Aug 2014 | 7:27 am
    There’s nothing like the freedom of being able to stop whatever you are doing, hop in your RV, and go on an adventure. Being on the open road, exploring new states, and meeting new friends are just part of the fun when you own an RV. Of course, it’s not all fun and games. Driving an RV takes practice, and when you’re behind the wheel of such a large vehicle, things can sometimes go wrong. Last month, a man and his wife made the long journey from Florida to Ohio in their RV. Dean and Lucille had traversed the country for years and were very experienced drivers. Even so, a mislabeled…
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    Montgomery & Associates

  • To Be Local, Or to Be Commercial? That Is the Question

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

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

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

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

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

  • You simply Look at and Get Ease Protection Cites for Vehicles

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

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

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

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

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

  • What is an affordable term life insurance rate?

    John
    21 Aug 2014 | 12:21 pm
    How to figure out how much term life insurance is right for youWhen many people first start out looking for life insurance, they immediately gravitate toward term life insurance and for good reason. Term life insurance is a great choice for new life insurance buyers because it’s  the cheapest form of life insurance, and the policies are very simple. You pay x amount per month for so much coverage that lasts the length of the policy, called the term. Term life insurance was the original way life insurance was sold, but lately there have been other forms of life insurance such as whole…
  • Best affordable term life insurance online

    John
    19 Aug 2014 | 12:16 pm
    Looking for the best affordable term life insurance rate online, then you’re in the right spot.After reading this article, you’ll know exactly what term life insurance is, where you should look for it online, if you should look for it online or offline, and how to avoid some common scams. So, let’s get started Just what is term life insurance?Term life insurance is one of the cheapest forms of life insurance available today. It’s called term life insurance because you buy coverage for a set period (called a term). It’s popular because it’s cheap and easy to…
  • What you need to know about long-term nuring home insurance costs

    John
    17 Aug 2014 | 12:15 pm
    Many people don’t know that nursing homes are expensive. When their loved ones get older they start to realize that, it can be very expensive to stay there all the time. Even spending time in an assisted living community can cost a lot of money. What many people don’t understand is that long term nursing home insurance can cost a ton of money too, if you don’t prepare properly for the expenses. The issue with long term nursing home insuranceWhen you’re an insurance company, what you  want to do is insure people that won’t cost you a lot of money. You’re…
  • Whole life insurance versus variable life insurance

    John
    15 Aug 2014 | 12:06 pm
    What you need to know about written whole life insurance versus variable life insurance (the difference could save your life)When many people start looking for life insurance, they can’t figure out the differences between the various types and kinds of life insurance. What this post will do is let you know the differences between whole life insurance and variable life insurance.What is whole life insurance?To keep it simple, whole life insurance is insurance that lasts your entire life. It’s different from other types of insurance in that it  lasts your whole life. As long as you are…
  • Life insurance for small businesses

    John
    13 Aug 2014 | 11:57 am
    Looking for life insurance for your small business?Owning a small business can be tough enough without having to consider all the different things that come along with it. If you own a small business, then finding life insurance can be a little difficult depending on what you need. There are hundreds of options available if you are an employee, but when it comes to business, you may not have very many policy optionsWhat you should do if you are a small businessWhen people run a small business they don’t realize that insurance companies offer, two different types of insurance depend on what…
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