Insurance

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  • Do You Need help for Save Money?

    A Blog to Watch | Best Watch Brands
    senomer
    8 May 2015 | 11:21 am
    More and more people are struggling to make ends late or because they do not earn / enough money to pay their fixed expenses, or they make a good living but do not pay attention their expenses and therefore are not able to save.  Need help for Save Money? Following this observation I decided to help people organize their finances to what did the end of each month they are proud to watch their accounts without overdrafts and with savings. I will help you: – create budgets for fixed expenses for contingencies, leisure, vacation so that you know where your money goes and how much you can…
  • Why Moms Need Life Insurance, Too

    SelectNews Blog
    SelectQuote
    8 May 2015 | 6:41 am
    There’s a popular belief that moms don’t need life insurance, especially if they don’t work. But given the many contributions (financial and otherwise) that most mothers make to their households, this couldn’t be more false. In honor of Mother’s Day, we’ve compiled four scenarios to demonstrate why all moms need life insurance – whether they have a full-time job, a part-time job, or no job at all. You’re a stay-at-home mom. Think stay-at-home moms don’t need life insurance? Think again. It’s been estimated that stay-at-home moms in the US…
  • June 2015 Preview: Historical Catastrophe Activity

    Property Casualty Insurance Blog
    Ted Gregory
    29 May 2015 | 4:30 am
    The Atlantic hurricane season runs from June 1 through November 30 every year. Although forecasters have predicted below-average activity for this year, we’ve already experienced the first tropical event of the season — Tropical Storm Ana — which made landfall near Myrtle Beach, South Carolina. Fortunately, the storm had minor impact and resulted in very little property damage (PCS did not designate it a catastrophe event). Historically, June has shown that it can be an active month for catastrophe events — and 2012 comes to mind. PCS designated seven events in June that year,…
  • A Common Insurance Mistake Made By Churches & Religious Organizations

    Insurance Protection Blog
    RJ Weiss
    26 May 2015 | 7:02 pm
    After service, a member drives their own vehicle to pick up  coffee to bring back to the church. There's an accident... A member volunteers to drive their minivan to take youths to a weekend camp. There's an accident... The church rents a van or bus to drive members to visit another church. There's an accident... In all three of these instances, the church may be held liable for damages.  Non-Owned & Hired Auto - Why Churches Should Have It Fortunately, there's a very inexpensive endorsement churches can add to their policy for coverage.  For coverage against accidents…
  • Pay-per-mile car insurance

    Insurance.com Articles
    28 May 2015 | 12:00 am
    Learn about pay-per-mile car insurance, low-mileage discounts, and insurance by the mile, and find out which one is best for you.
 
 
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    California Personal Injury and Insurance Blog

  • More on personal injury formulas

    steinlaw
    20 May 2015 | 12:50 pm
    Almost 10 years ago, I wrote about formulas used to settle your claim. You can read that post here. The gist of that story: there is no formula for figuring out the value of your personal injury case. 10 years...
  • Why are insurance limits important?

    steinlaw
    14 May 2015 | 11:18 am
    People talk about insurance limits all the time and most of the time no one knows what it means. Attorneys are notorious for this. "My client has a 15/30 policy." Or "The defendant only has a 30/60 policy." What are...
  • 5 Additional Ways to Find the Right Attorney For You

    steinlaw
    30 Dec 2014 | 1:30 pm
    6. WHAT CONTINUING EDUCATION DOES THE ATTORNEY TAKE? Every attorney in California is required to take continuing education. However, the types of courses and content of the courses is left to the discretion of the attorney. You want to know...
  • 5 Ways to Find the Right Attorney For You

    steinlaw
    29 Dec 2014 | 1:29 pm
    1. PRIOR RESULTS ARE NO GUARANTEE A lot of attorneys like to tell you about their other cases. However, your case is different. Each case has its own facts. Just because they got someone else millions of dollars does not...
  • 5 More Things You MUST Do After A Car Accident

    steinlaw
    27 Dec 2014 | 1:27 pm
    6. CHECK FOR WITNESSES Some people may stop, look around, and then leave. If you see these people, get their information. Talk to them. You want their name, number, address, and any other information they will give. You may need...
 
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    Specialty Insurance Blog

  • Insurance Agents/Brokers E&O – Claims from Claims

    Specialty Insurance Blog
    26 May 2015 | 7:00 am
    Insurance agents/brokers E&O (errors & omissions or professional liability) claims often result from a customer’s claim being denied by an insurer. The denial can occur for a variety of factors including late reporting and coverage. Not only is it important that the correct coverage be placed for a customer, but it is also critical that the claim be reported properly when received. One example: An agency received a copy of a lawsuit that had been served on a customer, and the lawsuit required that an answer be filed within a set short period of time. The agency sent the papers to the…
  • Employee Errors, Expectations & Cyber Risk

    Specialty Insurance Blog
    12 May 2015 | 7:00 am
    Cyber risk losses, primarily breaches, come from hackers & employee errors (or both), and both impact Cyber Risk Insurance losses. Good IT risk management is critical to protecting an organization, but one practitioner does not include unrealistic expectations of employees as a primary component of IT risk management. Employee errors account for a bit less than 50% of Cyber Risk losses, although the estimates vary depending on the criteria for defining employee errors. The typical breach involving an employee error is a lost laptop containing personal information. But employee error can also…
  • Fast Growing Insurance Agencies

    Specialty Insurance Blog
    16 Apr 2015 | 12:33 pm
    Fast growing insurance agencies have five common attributes according to Stuart Ganis in PropertyCasualty360 (see here). The traits are: Culture – focused on production Technology – implemented to leverage people and scale Sales & Marketing – process oriented Metrics – measured and shared, in the culture Change – embraced Tennant Risk Services is a fast growing specialty wholesale broker and underwriting manager with a focus on Insurance Agents/Brokers E&O. Tennant Risk Services delivers expertise, markets and exemplary services to our retail insurance agent clients in the placement…
  • Tax Refund Fraud & Cyber Risk

    Specialty Insurance Blog
    7 Apr 2015 | 7:00 am
    With tax day looming, cyber criminals have beaten the tax filing deadline by committing tax refund fraud. 2014 was a record year for breaches (see prior post), w/ breaches up 46% over 2013. And the trend continues in 2015, with Anthem, Premera and other breaches. The glut of stolen information is being used by criminals to create phony tax returns, which are then filed with the IRS and state tax authorities in order to gain refunds. Last year, 86% of taxpayers filed online, and this year nineteen states have recently reported seeing a spike in electronic tax filing fraud cases (see here &…
  • 2014 Cyber Risk Breaches – A Big Step Upwards

    Specialty Insurance Blog
    31 Mar 2015 | 7:00 am
    The 2014 Breach Level Index Report (here) shows that by all measures breaches were up significantly in 2014. Data breaches totaled 1,540, up 46% from the 1,056 in 2013. And records breached rose 78%, from ~575 million records to 1,023,108,267 records breached in 2014. The Ponemon Institute reached the same conclusion, calling 2014 the year of the mega breaches (see here). The primary source of breaches did not change much – 55% from malicious outsiders in 2014 and 57% in 2013. In second was accidental loss at 25%. But the nature of breaches shifted (see here): Many of the breaches in 2014…
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    HomeApproved Car Insurance Blog

  • New breakthrough for electric cars. The

    HomeApproved
    28 May 2015 | 9:35 am
    New breakthrough for electric cars. The ability to charge your car in just four minutes!! http://ow.ly/Nyvd9Filed under: HomeApproved
  • Why bad driving will be eliminated by 2020

    HomeApproved
    26 May 2015 | 1:45 am
    Why bad driving will be eliminated by 2020 – and car insurance costs will plummet http://ow.ly/NqvF4Filed under: Black Box, Car Safety, Connected Car Insurance, Environmental, General Car, Vehicle Technology Tagged: Car Insurance
  • Lower drink-drive limit

    HomeApproved
    19 May 2015 | 12:25 am
    Lower drink-drive limit, Police Federation says http://ow.ly/N7ItTFiled under: Motoring Law, New Drivers, Safe Driving, Young Drivers Tagged: drink driving
  • Dartford Crossing drivers charged twice

    HomeApproved
    18 May 2015 | 12:15 am
    Dartford Crossing drivers charged twice, says AA http://ow.ly/N4uYFFiled under: Entertainment, General Car, Motoring Law Tagged: dartford crossing
  • Calls to improve young driver safety

    HomeApproved
    14 May 2015 | 1:35 am
    Calls to improve young driver safety http://ow.ly/MVUmlFiled under: Car Safety, New Drivers, Safe Driving, Young Drivers Tagged: Young Drivers
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    Work Comp Roundup

  • New Jersey Employer Cited for Lack of Workplace Safety

    Kori Shafer-Stack
    29 May 2015 | 5:30 am
    One New Jersey employer has seen the consequences of not producing a safe workplace for its employees, this after the deaths of a pair of workers.   Bednar Landscape Services Inc., located at 501 Division Street in Boonton, New Jersey, was recently the center of an investigation. The company provides landscape, excavation and snow removal services throughout northern New Jersey.   The U.S. Department of Labor’s Occupational Safety and Health Administration initiated an inspection on Oct. 1, 2014, after a trench cave-in killed two workers, Oscar Portillo and SelvinZelaya, who were…
  • Pennsylvanian Sentenced for Comp Fraud

    Kori Shafer-Stack
    28 May 2015 | 5:30 am
    The odds are oftentimes not in the favor of those who try and successfully commit workers compensation fraud.   Case in point, the U.S. Attorney’s Office for the Middle District of Pennsylvania announced that Robert M. Fowler, 61, of York Springs, Pennsylvania, was sentenced recently for workers comp fraud involving $24,934.68 of benefits he was not entitled to receive.   U.S. District Court Judge William Caldwell sentenced Mr. Fowler to three months’ imprisonment to be followed by two years’ supervised release and ordered him to pay $23,792.00 in restitution. Fowler…
  • Understanding “Medical Marijuana” in Workers’ Compensation

    Michael B. Stack
    28 May 2015 | 12:26 am
    Over the last several years, more states have adopted laws that govern the use of marijuana for medicinal purposes.  While marijuana remains a Schedule I controlled substance under federal law, more states are considering it for legal use to treat work injuries.     What Do State Laws Permit   There are roughly 23 states that allow the use of marijuana for medicinal purposes.  The laws in these states vary on how they can be used.  In Minnesota, the use of this drug is limited to liquid, pill or vaporized forms.  The smoking of marijuana remains illegal.  In other states…
  • Investigating and Handling Repetitive Use Injuries

    Michael B. Stack
    27 May 2015 | 1:45 pm
    Repetitive use injuries account for a significant portion of claims in many workers’ compensation programs.  While these injuries can occur in any employee, they are becoming more prevalent in the aging American worker force.  It is important for claim management teams to investigate properly these claims to reduce the costs of claims.     A Case Study: The Anatomy of Repetitive Use Injuries   Frank Smith is a dedicated employee and has been working at the Acme Widget Company for over 20 years.  He has never missed a day of work since starting.  During a typical 8-hour…
  • Saskatchewan WCB Sees Further Drop in Overall Workplace Injury Rate

    Kori Shafer-Stack
    27 May 2015 | 5:30 am
    The Saskatchewan Workers Compensation Board (WCB) recently released its 2014 injury rates.   The data indicates a further decrease in the overall workplace injury rate despite an increase in the number of workers. In 2014, there were 402,894 Saskatchewan workers covered by WCB, over 4,000 more workers than the previous year.   The WCB’s Vice President of Prevention, Phil Germain, agrees that while more work must be done to bring our injury rates down, the progress made over the past decade is very encouraging.   “Last year, our Total injury rate in Saskatchewan was 7.80…
 
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    Colorado Health Insurance Insider

  • Health wonk reading for the Memorial Day weekend

    Louise Norris
    21 May 2015 | 5:40 pm
    Julie Ferguson did an outstanding job with this week’s Health Wonk Review, and it’s full of great articles from our favorite health wonks. A must-read is Charles Gaba’s excellent run-down on what you need to know about rate increase filings.  Gaba’s is the wizard behind ACAsignups.net, and he does an outstanding job of crunching up […] The post Health wonk reading for the Memorial Day weekend appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
  • The Luis Lang story – an update and my own thoughts

    Louise Norris
    17 May 2015 | 10:47 am
    Last week, Ann Doss Helms wrote an article for the Charlotte Observer about Luis Lang, a SC man with diabetes who will go blind if he doesn’t get eye surgery in the near future.  In a nutshell, Luis Lang is a Republican who opted to ignore the ACA’s individual mandate in 2014, and he also […] The post The Luis Lang story – an update and my own thoughts appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
  • Grumpy Cat and the Health Wonks

    Louise Norris
    7 May 2015 | 9:37 pm
    Steve Anderson hosted the Health Wonk Review this week at Medicare Resources, and it’s not to be missed.  It features Grumpy Cat, but despite the grumpy theme, you might just LOL.  And ponder something that “could turn your frown that was upside down back the way it was” One of my favorites in this edition […] The post Grumpy Cat and the Health Wonks appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
  • Health Wonkery – replacing Obamacare, covering undocumented immigrants, and much more

    Louise Norris
    23 Apr 2015 | 10:30 am
    Joe Paduda did an excellent job with the latest edition of the Health Wonk Review over at Managed Care Matters.  My favorite post in the HWR comes from Tim Jost, writing at Health Affairs.  His article, about what would replace the ACA if it were repealed, is an excellent read.  Jost digs deep into the […] The post Health Wonkery – replacing Obamacare, covering undocumented immigrants, and much more appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
  • A new job is not a qualifying event for a SEP

    Louise Norris
    22 Apr 2015 | 12:52 pm
    Now that open enrollment is over, the only way people can enroll in individual health plans is with a qualifying event.  This applies both on and off the exchange. Outside of open enrollment, individual/family health insurance is only for sale if you’ve got a special enrollment period triggered by a qualifying event. So what constitutes […] The post A new job is not a qualifying event for a SEP appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
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    Home Insurance Blog

  • Selling Your Home? Keep These 5 Tips in Mind

    Shannon Ireland
    29 May 2015 | 10:38 am
    Whether you’re expanding your family and suddenly need more space, moving to a new city or anything in between, selling a home is something most families encounter sooner or later. Putting your home on the market can be stressful, especially when you’re on a time crunch. We want to help reduce that stress, so we’ve compiled a list of tips to help make your home as desirable as possible when it’s on the market. Spruce up and depersonalize First impressions are crucial to potential buyers. When readying your home to be shown, you should focus on: Boosting curb appeal. Your home…
  • 10 Safest Florida Cities from Hurricanes

    Shannon Ireland
    28 May 2015 | 6:31 am
    Florida is no stranger to hurricanes. In fact, the state still holds the record for the second deadliest hurricane in United States history with the Okeechobee Hurricane. In September 1928, the hurricane first hit Palm Beach and the coastal residents were prepared to weather the storm. However, the hurricane – which had reached wind speeds of 125 mph – barreled on, filling Lake Okeechobee with rainwater, causing it to overflow and spill out like a tidal wave. The category 4 Okeechobee Hurricane claimed about 2,500 lives and washed away towns entirely. Of course, most hurricanes that hit…
  • Don’t Jump to Conclusions about Trampolines

    Shannon Ireland
    7 May 2015 | 6:48 am
    A trampoline can be a fun addition to any household – kids can hop on it and bounce around and flip to their hearts’ content. Though a trampoline can be a great outlet for children to let out the pent-up energy that accumulates during the school day, it also can be the reason for a trip to the emergency room. Statistics from a 2009 Consumer Product Safety Commission study show that 87,000 kids were hospitalized due to trampoline-related injuries. These injuries can range from sprains to fractures or broken bones – and even paralysis in more extreme cases. The demographic at the greatest…
  • Is It Your Move?

    Arthur Murray
    1 May 2015 | 7:19 am
    The average American moves more than 11 times in his or her life, according to the U.S. Census Bureau. June is the biggest month for movers, the Bureau says, and with June quickly approaching, you may preparing for a move of your own. Now comes the big question: Are you ready for your move? We’re betting most of you answered a resounding ‘No’ to that question. That’s why we’re here to help with some insurance related moving tips you might not know. We’ve got the scoop for those who hire a moving company as well as for do-it-yourselfers. If you’re hiring a…
  • The Do’s and Don’ts of Buying and Selling Items Online

    Shannon Ireland
    24 Apr 2015 | 11:28 am
    When you’re moving to a new city and you’re on a budget, you may turn to online classifieds when looking for good deals on furniture and other necessities. Sites such as Craigslist can be a wonderful resource to find items you need at reduced prices, but keep in mind that not all transactions go smoothly. By now, everyone has heard a few horror stories about people using online classifieds. Some have answered ads and met with the seller only to end up robbed, and in extreme cases, murdered. Though these cases only account for a small portion of transactions, here are a few tips to keep…
 
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    Insurance Law Hawaii

  • Coverage for Injury to Insured's Employee Not Covered

    Tred Eyerly
    27 May 2015 | 3:01 am
       The employee exclusions in the employer's CGL and Umbrella policies barred coverage. Piatt v. Indiana Lumbermen's Mut. Ins. Co., 2015 Mo. LEXIS 32 (Mo. April 28, 2015).    Linda Nunley was killed while working for Missouri Hardwood Charcoal, Inc. The kiln's large steel door had been removed and was leaning upright against another kiln when it blew over and crushed Ms. Nunley. Her family filed a wrongful death suit against Junior Flowers, the company's sole owner, director, and executive officer. The complaint alleged that Flowers was negligent in ordering employees…
  • Dispute Over Exhaustion of Primary Policy

    Tred Eyerly
    20 May 2015 | 3:01 am
       In a dispute between the excess and primary carriers, the Fifth Circuit determined the primary policy was exhausted, triggering coverage under the excess policy. Amerisure Mut. Ins. Co. v. Arch Spec. Ins. Co., 2015 U.S. App. LEXIS 6627 (5th Cir. April 21, 2015).    Amerisure issued a CGL policy to Admiral Glass & Mirror Co. The policy provided excess over any coverage under a controlled insurance program policy. Arch issued an Owner Controlled Insurance Program (OCIP) policy to Endeavor Highrise, LP and to its contrators and subcontractors for bodily injury and property damage…
  • Bad Faith Claim for Inadequate Investigation Does Not Survive Summary Judgment

    Tred Eyerly
    18 May 2015 | 3:01 am
       The insured's claim for bad faith investigation regarding their hail damage claim did not survive the insurer's motion for summary judgment. Amarillo Hospitality Tenant, LLC v. Mass. Bay Ins. Co., 2015 U.S. Dist. LEXIS 56228 (N. D. Tex. April 29, 2015).    A hailstorm caused damage to the Courtyard Marriot. The day after the storm, the insured inspected the roof of the hotel and observed damage to a sign and some aluminum vent tubes. No damage to the roof itself was observed. Subsequently, leaks were found on the tenth floor of the hotel. A public adjuster concluded that the…
  • Hawaii Bill Preserves Insurance Coverage in Lava Zones

    Tred Eyerly
    13 May 2015 | 3:01 am
       The Hawaii legislature passed a bill in its recently concluded session to protect homeowners and businesses affected by lava flows from losing coverage.    The Puna district on the Big Island was severely impacted by the Pu`u O`o lava flow as it crept closer to homes, businesses, schools and populated areas. Problems were created by the imposition of a moratorium on the sale of new policies in certain areas of the Puna district.     SB 589 [here] grants relief to homeowners who have had continuous insurance in lava zone areas that are declared to be in a state of emergency. The…
  • Consolidated Case With Covered and Uncovered Allegations Triggers Duty to Defend

    Tred Eyerly
    11 May 2015 | 3:01 am
       The Illinois Court of Appeals held that the insurer had a duty to defend a consolidated case that included one complaint alleging intentional acts and another complaint alleging negligence. Farmers Auto. Ins. Ass'n v. Neumann, 2015 Il. App. 140026 (Ill. Ct. App. March 24, 2015, reh'g denied March 24, 2015).    Neumann allegedly hit Bitner with his automobile as Bitner, a police offier, was directing traffic. Bitner sued Neumann, alleging intentional assault and intentional battery. Farmers rejected Neumann's tender because the policy did not cover intentional acts.   …
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    WordPress Tag: Auto Insurance

  • Auto Insurers Again Seek Dismissal of In RE Auto Body Shop Antitrust Litigation

    National Law Forum
    8 May 2015 | 2:24 pm
    In early March, the auto insurer defendants in the In re Auto Body Shop Antitrust Litigation renewed their motions seeking the dismissal of plaintiffs’ action, this time directed at plaintiffs’ Second Amended Complaint. The insurer defendants urged the Court to dismiss the action with prejudice, maintaining that, despite three attempts, the plaintiff auto body shops have still failed to include sufficient facts to make their claim of conspiracy plausible. The action, commenced well over a year ago as A&E Auto Body v. 21st Century Centennial Insurance Co. and subsequently transformed…
  • Ways To Save With Young Drivers

    John Tessier
    8 May 2015 | 12:29 pm
    Anyone who has had a child of driving age knows all too well the significant cost surrounding their
  • Make Auto Insurance Shopping Easier With These 3 Shopping Strategies

    Schumacher Insurance Agency
    8 May 2015 | 6:30 am
    You know you need auto insurance, but you’re putting it off because you may not feel like dealing with the potential hassle, right?  Auto insurance shopping might seem like a challenging task, but it doesn’t have to be when you plan ahead and prepare for it with a few helpful tips and strategies. Source: Free Digital Photos Do some research before you start auto insurance shopping.  Find out the minimum policy requirements in your state and decide what type of coverage you’ll need.  Once you have an idea of what coverage will work best for you, you are better equipped to…
  • Strategies On How To Get Good Auto Insurance Rates

    whyinsured
    7 May 2015 | 10:39 pm
    Understanding how insurance works doesn’t have to be painful. Of course, like most other things, it just seems that way until you take some time to learn about it. TIP! When purchasing auto insurance for your teenager, consider your options. In some cases, it would be cheaper for you to get a separate plan for your child, than it would be to add him or her to your current one. When thinking of buying aftermarket car additions, check with your insurance company on how much they will cover if ever your car gets damaged or stolen. Often, your insurance company will not cover the value of…
  • Is There Value In Stacking Florida Auto Insurance Coverage?

    patamberg
    7 May 2015 | 12:42 pm
    Is there a way to protect you and your loved ones from the devastating impact of medical bills resulting from an auto accident involving an uninsured or underinsured motorist? You have two options; increase your limits or consider stacking coverage on your covered vehicles. If you have two or more vehicles on your auto policy you have the option of stacking your Florida auto coverage. Auto insurance stacking applies to combining coverage for underinsured and uninsured motorist bodily injury, if you have multiple cars. If you combine your coverage you are able to increase your limits should…
 
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  • State Won't Let Stores Open on Nov. 22

    29 May 2015 | 3:37 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    29 May 2015 | 3:37 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    29 May 2015 | 3:37 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    29 May 2015 | 3:37 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    29 May 2015 | 3:37 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    29 May 2015 | 3:37 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    29 May 2015 | 3:37 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    29 May 2015 | 3:37 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    29 May 2015 | 3:37 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    29 May 2015 | 3:37 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    29 May 2015 | 3:37 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    29 May 2015 | 3:37 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    29 May 2015 | 3:37 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    29 May 2015 | 3:37 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    29 May 2015 | 3:37 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
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  • State Won't Let Stores Open on Nov. 22

    29 May 2015 | 3:37 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    29 May 2015 | 3:37 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    29 May 2015 | 3:37 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    29 May 2015 | 3:37 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    29 May 2015 | 3:37 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    29 May 2015 | 3:37 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    29 May 2015 | 3:37 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    29 May 2015 | 3:37 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    29 May 2015 | 3:37 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    29 May 2015 | 3:37 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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    Artemis.bm - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management Blog

  • Buying closed blocks of life business remains a focus for reinsurers

    Artemis
    29 May 2015 | 8:05 am
    Large global reinsurance firms remain focused on buying up closed blocks or books of life and health insurance business, believing that by pooling the underlying assets and managing the legacy claims they can make the books perform better than those who wrote the business. It’s a business that also attracts a variety of investors and also some third-party capital, as acquiring assets from life portfolios and hoping to be able to outperform the originators can be profitable for asset managers as well as reinsurance firms. Swiss Re continues to focus on this business, particularly in the…
  • Reinsurance price pressure to persist, ROE’s to struggle: A.M. Best

    Artemis
    29 May 2015 | 6:45 am
    Pressure on reinsurance and retrocession pricing is likely to persist through the rest of 2015 and beyond, as alternative capital continues to expand within the market and market-moving loss events remain absent, according to A.M. Best. In its latest report on the global reinsurance sector A.M. Best hasn’t changed its outlook for the space, expecting pressures to continue, prices to remain pressured, terms and conditions to continue expanding and ultimately reinsurer returns on equity (ROE) to suffer. Reinsurers have been assisted by the low level of losses, positive prior year reserve…
  • XL Catlin expects $50m savings on ceded reinsurance purchases

    Artemis
    29 May 2015 | 4:35 am
    One area where reinsurance companies undergoing mergers or acquisitions (M&A) can expect to find savings and cost efficiencies, is through their ceded reinsurance purchases. Case in point, XL Catlin said yesterday it hopes to save $50m on its reinsurance costs. With cost efficiencies one of the key focuses that analysts and shareholders alike place on reinsurance mergers, XL Catlin yesterday discussed where savings are likely to be made. On the top line of the business, XL Catlin does not currently see any indication that it has lost any business by combining the two re/insurers.
  • Texas floods: Auto insurance losses alone could top $1 billion

    Artemis
    29 May 2015 | 3:19 am
    The flooding that struck the Texas and Oklahoma regions in the last week is an ongoing event, meaning that estimates of the insurance industry loss are not yet available. However some insights into the costs are emerging. Mark Hanna, a spokesperson for the Insurance Council of Texas, told A.M. Best that auto insurance losses alone are likely to exceed the $1 billion mark just from flood damage in Texas. So that is not including any residential or commercial property losses, and does not take into account Oklahoma where flooding has been prevalent as well. For the industry, a $1 billion plus…
  • New longevity assumptions won’t increase re/insurance costs: Prudential

    Artemis
    29 May 2015 | 2:22 am
    New longevity assumptions that increase the life expectancies for pension plan cohort members, which ultimately increase pension plan accounting liabilities, will not affect the cost of insurance and reinsurance capacity for longevity risk transfer, according to Prudential. In the past the calculation of accounting liabilities for pension plans has been based on outdated assumptions about longevity risks and mortality rates. However the large global insurers and reinsurers that provide capacity to back transactions providing longevity risk transfer have already been taking these into account.
 
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    Free Insurance Magazines and Downloads from alltop.tradepub.com

  • 6 Secrets for Sales Performance Success in Insurance

    13 May 2015 | 9:20 am
    As the pace of business accelerates, insurance companies continue the struggle to keep up with changes in strategy, markets and products. The sales and distribution leadership is finding it extremely difficult to prioritize and drive the desired sales behaviors using existing processes and platforms. To effectively align the behaviors of your sales force and the various sales channels with your corporate vision, new strategies need to be embodied in your incentive compensation plans.From sales managers to field reps and sales operations – everybody knows salary plays a vital role in…
  • The Business License Compliance Handbook

    9 Apr 2015 | 12:00 am
    Almost every business operating in the United States of America is required to maintain multiple business licenses,permits, and tax registrations with the government. That’s a tall order when you consider that there are 55 states andterritories, over 3,000 counties and parishes, approximately 36,000 municipalities, and over 35,000 special purposedistricts that overlay these governmental authorities. Every one of these entities has the authority to require a license,permit, or registration. They often do. Consequently, a comprehensive business license portfolio often includes 4separate…
  • Trends in Vision Benefits that Insurance Brokers Need to Know

    1 Apr 2015 | 12:20 am
    The world is constantly changing with the continuous introduction of new technology. This reality creates new expectations and demands in today's ever-evolving workforce. And technology's effects on vision can negatively impact employee productivity for your clients, which equates to dollars lost. Without offering the right vision benefits and regularly evaluating employee participation, you may be missing the most effective solution. Keep an eye on these 6 trends for your clients' vision benefits. This knowledge will help you and your clients keep up with this changing world — and…
  • What can Nordic banks learn from Barclays, HSBC and Santander's social media strategy?

    1 Apr 2015 | 12:00 am
    Discover all the tips you need to maximize your current social media strategy, by downloading the article:Learn from case studies of how European banks use Twitter and get their strategies right!Tips on how to avoid common social media pitfalls and retain your customersUnderstand how to deal with complaints over social media - learn exactly what to reply next timeFind out the importance of training your team on social media to engage with your followers correctly and help maintain your brandRequest Free!
  • A Quickstart Guide: eSignatures for Insurance

    26 Jan 2015 | 12:00 am
    The Insurance industry will be transformed by technology over the next few years and those who adapt will capture the lion's share of business. Don't get left behind. This guide will show you how to use eSignatures to significantly improve your business. Download eSignatures for Insurance: A Quickstart Guide today and learn:What key features you need to be successful as you adopt eSignatures.The 7 reasons to adopt eSignatures now.How to add professional touches like branding, a logo, taglineThe difference between an Electronic Signature and a Digital Signature.What makes an eSignature…
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    InsureBlog

  • The Flip Side of Halbig/King/Burntwell

    29 May 2015 | 12:41 pm
    The goal of The ObamaTax was to extend health insurance (and thus, presumably, health care) to the minority of Americans without it. It's been an article of faith that the subsidies are what will drive that goal. The Supreme Court has yet to rule on Halbig (etc), but that hasn't stopped the chattering class from opining on what a tragedy it will be if they strike down the government's (illegal) extension of subsidies to residents of states using the 404Care.gov Exchange.But there's another side to this, one which has thus far gone unremarked: is there a potential upside to folks whose…
  • A Quarter Trillion here, A Quarter Trillion there...

    28 May 2015 | 6:27 am
    And pretty soon, you're talking real dollars:"Obamacare is set to add more than a quarter-of-a-trillion—that's trillion—dollars in extra insurance administrative costs to the U.S. health-care system"Keep in mind, these costs will be borne by insureds; that is, carriers will simply increase premiums to cover them. Remember: companies don't pay taxes or premiums.And at "a whopping 22.5 percent of the total estimated $2.76 trillion in all federal government spending for the Affordable Care Act," it's just one more example of the way that the ObamaTax continues to hurt the very folks it was…
  • Unfortunate Client Timing

    27 May 2015 | 10:20 am
    Got  a call this morning from the daughter of one of our agency's long-time clients. In addition to his auto and home, my long-since-retired colleague had written a life insurance policy for him. As the official "Life/Health guy," it fell to me to get the ball rolling on the claim, so I called the carrier's home office to get that started.The first question I always ask is "is the policy in force?" That is, is it still active and thus able to be paid out. The answer is almost always "yes," and then I start asking about beneficiaries, face amounts and the like.So I was a bit startled when…
  • Potentially Stupid Customer Tricks [UPDATED]

    27 May 2015 | 7:10 am
    [First posted @ 5-26-15. Please scroll down for Update] We first blogged on the insurance issues associated with ride-sharing services (eg Uber, Lyft) back in 2011:"Seeing a business opportunity in millions of cars that sit idle at office parking lots or on weekends, several start-up companies have introduced "peer-to-peer" car-sharing services ... Likewise, renting out your car to someone you've never met (and will probably never even see!) is a dramatic change in the nature of your insurance policy's risk."Fast forward 4 years, and despite the success of these ventures, and the…
  • Bad Moon Rising

    26 May 2015 | 6:53 pm
    I see a bad moon rising.I see trouble on the way.I fear rivers over flowing.I hear the voice of rage and ruin.Obamacare news isn't good.According to states that have released rate requests, New Mexico’s market leader Health Care Service Corp. is asking for an average premium spike of 51.6 percent; Tennessee’s top insurer BlueCross BlueShield of Tennessee wants an average spike of 36.3%; Maryland’s market leader CareFirst BlueCross BlueShield is requesting an average spike of 30.4%; and Oregon’s top insurer, Moda Health, is seeking a 25% spike. - BreitbartHow about a recount on the…
 
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    Workers Comp Insider

  • The Pre-Memorial Day Edition of Health Wonk Review

    Julie Ferguson
    21 May 2015 | 11:14 am
    We're just a few short days away from Memorial Day, a time to remember those who died while serving in the country's armed forces. It's also the tail end of National Physical Fitness and Sports Month so our prescription is to get your fill of health wonkery here today, but then kick off a little early tomorrow. Find some...
  • NCCI "State of the Line" for Work Comp

    Julie Ferguson
    20 May 2015 | 3:59 am
    At its Annual Issues symposium held last week, NCCI offered it's State of the Line, an overview of the health of the work comp industry. The press release NCCI offers a summary:Calm Now ... But Turbulence Ahead Outlook for Workers Compensation Industry. For more detail, see Chief Actuary Kathy Antonello's presentation slides (PDF) reviewing workers compensation trends, cost drivers, and...
  • The Grumpy Cat Edition of Health Wonk Review

    Julie Ferguson
    8 May 2015 | 7:27 am
    You'd think with spring in the air, everyone would be in a better mood, but apparently not. Steve Anderson found there is "a general vibe of grumpiness out there in the health policy blogosphere" and he taps into it to bring you the Grumpy Cat edition of Health Wonk Review posted at his medicareresources.org blog. Go find out what everyone...
  • The next frontier in prevention: Mental Health

    Julie Ferguson
    6 May 2015 | 7:02 am
    May is Mental Health Month and while the focus of workers comp prevention generally revolves around issues of physical safety, perhaps employers should expend more energy in promoting the mental/emotional well being of workers, as well. We just had a dramatic example of the effects of mental illness in the workplace in the horrific case of the suicidal Germanwings pilot...
  • Tomorrow is Workers Memorial Day

    Julie Ferguson
    27 Apr 2015 | 7:13 am
    April 28 is Workers Memorial Day, a day dedicated to remembering those who have suffered and died on the job and renewing the fight for safe workplaces. Here are some resources and events about tomorrow's observances. OSHA: 4,585 [U.S.] workers died on the job in 2013 Interactive Map of 2014 Worker Fatalities Death on the Job report, 2014 Workers'...
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    Managed Care Matters

  • Friday catch-up

    Joe Paduda
    29 May 2015 | 8:55 am
    Gotta love the start of summer; hope your weekend is going to be filled with fun and family. But before you go, here’s what’s been going on over the past couple of weeks. First, your morning outrage...here’s the latest from the world of “how do we suck as much profit from employers and taxpayers as possible”…thanks to a colleague at PBM Helios. Drug costs A report from AARP indicates generic drug prices, which have been falling for years, leveled off somewhat in 2013.  Couple caveats – the data is for drugs commonly used by seniors, and the data is…
  • Walking to work

    Joe Paduda
    28 May 2015 | 2:50 pm
    One of the less significant ways tech will change workers’ comp is prostheses.  Alluded to in the introductory post to this occasional series, there are myriad issues that will affect workers’ comp due to new “high mobility” prostheses (my term). Parker Hannifan is just one of the companies working on your claimant’s next prostheses; there model is the Indego. Currently in clinical trials at Shepherd, Rusk, Chicago Institute of Rehab among other elite rehab facilities, Indego has developed an exoskeleton that enables paraplegics to walk. photo Craig Hospital…
  • Adjusters, management, and priorities

    Joe Paduda
    27 May 2015 | 8:06 am
    During a conversation with an industry executive this morning I was reminded of the rather different perspectives, priorities, and incentives for adjusters and managers. Faced with a virtual pile of incoming mail, messages, bills, documents, and voice mail, adjusters are tasked with determining compensability, closing claims, resolving litigation, getting claimants treated as quickly as possible – but only for covered services, dealing with vendors, catching fraud, setting and managing reserves, taking CEUS, communicating with employers, spouses, lawyers, and judges, approving drugs…
  • The future isn’t coming; it’s here. And we are so unprepared.

    Joe Paduda
    21 May 2015 | 4:49 am
    Inspired by a stunning presentation by Accident Fund Director of Innovation Jeffrey Austin White and a terrific session at NCCI by Salim Ismail, I’m going to be posting occasionally on the future of workers’ comp.  This future is one that is rarely discussed, mostly ignored, and often pooh-poohed. I’ve been involved in comp since 1988 – some 27 years, and focused on work comp almost exclusively for 20+. There have been some changes over the last two decades, but these changes have been incremental, minor, relatively insignificant, and certainly not disruptive. The…
  • Controlling work comp medical – Swedlow and Victor weigh in

    Joe Paduda
    20 May 2015 | 3:56 am
    The capstone to an excellent NCCI AIS was provided by WCRI Exec Dir Dr. Rick Victor and his counterpart at CWCI, Alex Swedlow. Rick led off with my LEAST favorite topic – physician dispensing of drugs to work comp claimants.  The usually-very-circumspect Dr Victor said that “the evidence is pretty clear in terms of costs and likely benefits of physician dispensing.” All the evidence indicates: physician dispensing is common in big states prices are higher than for the same drugs in retail pharmacies even after reforms, prices are about 30% higher docs write scripts for…
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    Insurance Industry Blog

  • 2015 Hurricane Season Opener

    Claire
    29 May 2015 | 11:12 am
    By now you’ll have read the latest forecasts calling for a below-average Atlantic hurricane season. NOAA, Colorado State University’s Tropical Meteorology Project, North Carolina State University, WSI and London-based consortium Tropical Storm Risk all seem to concur in their respective outlooks that the 2015 hurricane season which officially begins June 1 will be well below-norm. TSR, for example, predicts Atlantic hurricane activity in 2015 will be about 65 percent below the long-term average. Should this forecast verify, TSR noted that it would imply that the active phase for Atlantic…
  • Price Optimization: What it is and what it isn’t

    Claire
    28 May 2015 | 4:30 am
    I.I.I. Florida representative Lynne McChristian sheds light on the topic of price optimization in this post which first appeared @InsuringFLA blog. Florida regulators issued a memorandum to insurers recently to eliminate the use of something called price optimization. That’s probably an unfamiliar term to most people. It’s interesting that the memo had to define what “price optimization” is in order for insurers to stop doing it. Simply, the memo from the Florida Office of Insurance Regulation was to stop a practice that few insurers are using in the first place and that may actually…
  • Litigation Trends and the Class Action Factor

    Claire
    20 May 2015 | 4:30 am
    Survey more than 800 corporate counsel representing companies across 26 countries on litigation trends and issues and you get some insightful findings. Such is the case with the recently released Norton Rose Fulbright 2015 Litigation Trends Annual Survey. For example, class action lawsuits were listed as the top issue by respondents in the United States, Canada and Australia. U.S.-based respondents also reported a more litigious business environment than their peers, with 55 percent facing more than five lawsuits filed against their companies in the previous 12 months, compared with 23…
  • NCCI Conference Roundup

    Claire
    18 May 2015 | 4:30 am
    Insurance Information Institute (I.I.I.) chief actuary James Lynch is on the road. Spring is heavy conference season. I type this from an Orlando hotel room on May 14, after day one of the Annual Issues Symposium put on by the National Council on Compensation Insurance (NCCI). Ahead are trips to Colorado, Philadelphia and Atlanta, as well as two meetings close to home, in New York. The NCCI conference is perhaps best known for president and chief executive officer Steve Klingel’s summary of the workers compensation line in a single word or phrase. This year: Calm now . . . but turbulence…
  • Dog Bite Claims, By The Numbers

    Claire
    15 May 2015 | 9:03 am
    National Dog Bite Prevention Week is coming up… Here are some numbers to consider: • Dog bites caused more than 33 percent of all homeowners insurance liability claims in 2014, costing in excess of $530 million • The average cost per claim has increased more than 67 percent from 2003 to 2014 • The number of dog-bite claims actually decreased by 4.7 percent but the average cost per claim increased 15 percent from $27,862 in 2013 to $32,072 in 2014 • California (1,867), Ohio (1,009) and New York (965) had the highest number of claims in 2014 • New York had the highest average cost…
 
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    Go Health Insurance Blog

  • If I have short-term health insurance, can I still get fined?

    GoHealth
    26 May 2015 | 11:52 pm
    Short-term health insurance provides a temporary solution to fill gaps in your health coverage. If you miss Open Enrollment, a short-term plan will fill the gap until the next Open Enrollment Period begins, so your financial security is not jeopardized if you get sick or injured. Short-term health insurance is a good choice for people who are in between coverage options, are exempt from the individual mandate to buy health insurance, or want health coverage outside of Open Enrollment. However, a short-term plan does not exclude you from facing the fine for going uninsured. In order to avoid…
  • Tips to control those springtime allergies

    GoHealth
    24 May 2015 | 11:07 pm
    Spring is finally here! And unfortunately, so are your allergies. Seasonal allergies and hay fever affect 35 million Americans, and another 20 million Americans suffer from springtime allergens due to asthma. If you have seasonal allergies, do you know if your health insurance covers allergy medications? Let’s take a look into what all that sneezing really means and how you can treat your allergy symptoms. Why do I have seasonal allergies? If you have an allergy, your immune system mistakes an otherwise harmless allergen as a bodily invasion. The immune system overreacts to the allergen by…
  • 3 fitness trackers for a healthy lifestyle

    GoHealth
    19 May 2015 | 11:23 pm
    Over the past few years, it seems the most popular fashion accessory has become a fitness tracker. With sleek and attractive designs, various brands of fitness trackers are encouraging Americans to track everything about their health, from steps to sleep patterns.  But which one is right for your health and lifestyle? We’ve outlined three different options to help you find the right fitness tracker. Fitbit Flex $99.95 Fitbit claims you can make fitness a lifestyle, simply by slipping on this attractive, thin band. It tracks your daily activity, including calories burned, steps taken, and…
  • Can my prescription deductible be separate from my medical deductible?

    GoHealth
    17 May 2015 | 11:15 pm
    According to the Kaiser Family Foundation, 45 percent of Marketplace Silver plans offered in 2015 had separate prescription and medical deductibles. Do you know if your plan has separate medical and prescription deductibles? More importantly, do you know what a deductible is? Let’s start with the basics. A deductible is the amount of money you must pay for covered health care services before your health insurance or plan starts contributing. This amount is bigger or smaller based on the plan you choose. Deductibles tend to be greater with a lower level metal plan (Bronze or Silver) than…
  • Special health insurance enrollment opportunities

    GoHealth
    13 May 2015 | 11:02 pm
    Outside of Open Enrollment, you can only purchase a major medical health insurance if you qualify for a Special Enrollment Period (SEP). Most SEPs are granted for Qualifying Life Events, such as getting married, having a baby, or moving to a new state.  However, there are also some complex cases that may give you the opportunity to buy health insurance outside of Open Enrollment: Exceptional circumstances: You faced a serious medical condition that prevented you from enrolling Misinformation or misrepresentation: Misinformation from a health insurance company or agent resulted in you…
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    JohnConner.com

  • Health Insurance

    John
    21 May 2015 | 7:52 pm
    Group Health .. solutions that grow right along with you … No matter what size business, we offer a full range of health insurance options for small group employers that provide affordability for you and flexibility for your employees.  Learn about our coverage options, we’ll match your business needs with high quality plans that are comprehensive and budget minded. Aetna   –   Anthem   –   Blue Shield   –   Health Net   –   Kaiser Ready for simple and affordable? Sit back and relax .. and let our solutions work for you.  As part of the largest health benefits company in…
  • Blue Shield Medicare Supplement Los Angeles

    John
    9 Mar 2015 | 3:06 pm
    Blue Shield is offering a $15 discount for all Medicare Supplement policy holders during their first year on Medicare Part B.  Los Angeles residents will find Blue Shield to be one of the most comprehensive companies for their Medicare Supplement plans, plus you will receive and additional $15 off if you are new to Medicare. Blue Shield Medicare Supplement Rates If you are new to Medicare you have six months to choose a Medicare Supplement policy of your choice.  After the initial 6 months (Initial Enrollment Period) you can still apply but any company will require you to complete the…
  • Medicare Supplement Plans in Sacramento

    John
    3 Feb 2015 | 9:49 am
    Living in and around the Sacramento area, Medicare beneficiaries have several Medicare plan choices, such as; Medicare Supplement’s which provide the best “access” to doctors and hospitals, and the best coverage options for their medical needs. Also available in Sacramento, Placer, Eldorado, Yolo and Sutter Counties are Medicare Advantage HMO plans.  These are for the person looking for a low to “no” premium plan.  The HMO will be very restrictive with who you can see, especially when needing a particular specialist.  Coverage is sound and of course the…
  • Anthem Medicare Advantage Los Angeles County 2015

    John
    6 Oct 2014 | 2:53 pm
    If you live in Los Angeles County and you have a Medicare Advantage PPO plan including the Anthem Medicare PPO, you will need to change your plan by December 31, 2014. 2015 will not offer any Medicare Advantage PPO’s in Los Angeles County, Santa Clara, San Mateo, Ventura, Alameda, Contra Costa, Sacramento and Sonoma County, along with many other. If you are looking for a Medicare Advantage PPO, click here to see what counties they are available in. If you currently have the Anthem Medicare Advantage Preferred PPO plan in Los Angeles County, you have most likely received the…
  • 2015 Blue Shield of California Medicare Advantage 65 Plus HMO

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

  • Time to get Voting for Ireland’s Modern Irish Mammy of the Year!

    Colin O'Hara
    28 May 2015 | 8:58 am
    In case you haven’t noticed, all this week we’ve been running a competition with 2fm to find Ireland’s #ModernIrishMammy of the year! Each morning on Tubridy, we have been asking you to get in touch with Ryan and nominate the mum in your life, and tell us why you think she deserves our €10,000.00 prize. modern Irish mammy We got hundreds of great nominations, and we now have our four finalists. The overall winner will be decided by a public text vote, so it’s up to you to decide who that winner is! The voting lines are open and close at 10.30 tomorrow morning. You…
  • Over half a million parents have no life insurance…

    Sarah Blake
    19 May 2015 | 6:11 am
    Half a million parents with children under 17 have no life insurance… if you think about that stat it is a little scary. To put it in perspective it’d be like every person in Cork having no life insurance. We’re all so busy with day to day demands we don’t have time to think about what might happen if we weren’t around. It’s not a nice thing to think about so maybe it’s easier not to. But the reality is that we paid over €218 million in life and specified illness claims in 2014. 36% of the specified illness cover claims and 15% of the death claims were paid to people under 50…
  • Irish Life wins Gold at the Irish Media Awards

    Karl Symes
    10 Apr 2015 | 8:11 am
    We’re thrilled that Irish Life, together with Mediaworks our media agency, has won the Gold Award for our brand advertising campaign at last night’s Irish Media Awards. There were over 30 submissions originally for the media award in the Medium to Large Campaign category. This was whittled down to a short-list of 8 which included campaigns from a range of iconic brands including Fáilte Ireland, Ryanair, Heineken and Unilever / HB Ice Cream. We’re really honoured that our campaign won ahead of such great brands and campaigns. Thanks to Mediaworks for doing such a great job with media…
  • Lifetime Community Rating Explained

    Gerard Coughlan
    30 Mar 2015 | 3:43 am
    What is Lifetime Community Rating (LCR)? The media are starting to talk about Lifetime Community Rating and between now and May 1st it will become a hot topic across the nation. LCR is a change to how health insurance plans are priced, currently community rating is the system in use. This means every consumer pays the same premium for the same health-insurance product, regardless of age, sex, health etc. Under LCR, this is changed so the price reflects the age at which you take out cover. The older you join the health insurance market, the more expensive it becomes! The good news is if you…
  • Irish Life pays out €218 million in claims in total for 2014

    Gerry Hassett
    12 Mar 2015 | 11:37 am
    Today we revealed our annual claims report having paid out over €218 million in total across our Retail and Corporate business divisions in 2014, for almost 2,500 Life Insurance and Specified Illness Cover claims. €109 million was paid out for 1,663 Life Insurance claims and a further €50.4 million for 805 Specified Illness Cover claims. The average payment was €66,023 in respect of Life Insurance claims and €62,615 for Specified Illness Cover claims although there was a wide variation in the size of claims settled. The scale of the claims paid in 2014 shows once again it is…
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    Q4intelligence

  • Invest Wisely to Drive Success and Catapult Your Business

    Kevin Trokey
    26 May 2015 | 1:00 am
    This is the third in a series of blog posts inspired by a conversation I had via webinar with Brett Rosen, VP of Mergers & Acquisition at Digital Insurance. During our conversation we discussed the “5 Surefire Ways to Catapult Your Benefits Business”. _________________________________________________________________________________ One of the most self-damning aspects of the insurance industry is that the financial reward for mediocrity has been too high. It has allowed us to succeed, often times in spite of ourselves and without a focus on growth. That’s changed. Growth is no…
  • Stay Young to Drive Success and Catapult Your Business

    Kevin Trokey
    18 May 2015 | 1:00 am
    This is the second in a series of blog posts inspired by a conversation I had via webinar with Brett Rosen, VP of Mergers & Acquisition at Digital Insurance. During our conversation we discussed the “5 Surefire Ways to Catapult Your Benefits Business”. _________________________________________________________________________________ One of the most self-damning aspects of the insurance industry is that the financial reward for mediocrity has been too high. It has allowed us to succeed, often times in spite of ourselves and without a focus on growth. That’s changed. Growth is no…
  • Bring Value and Insurance Brokers Can Have It All

    Kevin Trokey
    11 May 2015 | 9:52 am
    Want happy clients and higher income? Here’s how Break free of your carrier-focused structure and instead bring value and real impact to your clients, and you will find that you can have it all. We all know that as consumers, we want three things: fast, cheap, and good. Of course, just because you want it all doesn’t mean you can have it all. As the saying goes, you can have any two, but not all three. You can get it fast and cheap, but it won’t be good. You can get it fast and good, but it won’t be cheap. You can get it cheap and good, but it won’t be fast. Have you ever considered…
  • 11 Reasons Why the Texas Medical Board Is Wrong about Telehealth

    Q4intelligence
    27 Apr 2015 | 1:00 am
    By guest blogger Heidi Rasmussen. Editor’s note: While this article relates specifically to the decision of the Texas Medical Board, consider it a warning and possibly the beginning of a trend that could impact other states and their service providers, brokers, employers, and employees. The Texas Medical Board (TMB) has ruled to severely restrict telehealth/telemedicine in the state of TX. In short, there is a contingent of doctors who say telehealth is unsafe – they want to enact a rule to allow telephone visits ONLY after an in-person visit (even for the simplest issues). According…
  • Collaborate to Drive Success and Catapult Your Business

    Kevin Trokey
    20 Apr 2015 | 1:00 am
    One of the most self-damning aspects of the insurance industry is that the financial reward for mediocrity has been too high. It has allowed us to succeed, often times in spite of ourselves and without a focus on growth. That’s changed. Growth is no longer a luxury. There have to be growth goals, aggressive goals that come with accountability. I recently had the pleasure and opportunity to participate in a webinar conversation with Brett Rosen, VP of Mergers & Acquisition at Digital Insurance. During our conversation we discussed the “5 Surefire Ways to Catapult Your Benefits…
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    Insurance

  • Staying Safe in the Sun

    Fran Shaw
    29 May 2015 | 6:07 am
      STAYING SAFE IN THE SUN The sun appears to be getting stronger and stronger each day, which must mean summer’s arriving! Throw on some shorts, shades, and hit the beach- but don’t forget the sunscreen! Some fun in the sun could turn into a painful night if you neglect to take care of your skin. Follow the tips below and you’ll be in good hands. Ingredients matter- Make sure your sunscreen is waterproof and long lasting.  SPF 50 is the highest SPS sunscreen you can buy. Products that claim to be higher work no better than SPF 50. Shade is important –…
  • Have Some Fun in the Sun this June

    Fran Shaw
    28 May 2015 | 1:08 pm
    Local Events You’ve Gotta Make!   6/2 OUTDOOR CONCERT @ Eagleview Come out to listen to some amazing music performed by Dylan Jane, Paul Keen and Ian Foster. Bring some blankets, chairs, drinks and snacks to enjoy while you relax under the stars; can you believe this event is FREE?! The show starts at 7 O’clock at Eagleview Town Center, and trust us- you don’t want to miss this! 6/6 CHESTER COUNTY BLUES BBQ The 2015 Chester County Blues BBQ will be on Saturday, June 6th from 2:00-7:00! Blues legend Duke Robillard will be performing at Wyndsor Farm at 5:30! He’s…
  • FDAs, HRAs, and HSAs- What do all of Those Letters Mean?

    Fran Shaw
    26 May 2015 | 11:11 am
    FSAs, HRAs, and HSAs, what do all those letters mean?     FSA stands for Flexible Spending Account.  An FSA allows an employee to set aside a portion of their earnings on a pre-tax basis to pay for qualified expenses, most commonly medical expenses (medical FSA or health FSA), but often for transit or dependent daycare.  Since funds are deducted pre-tax, it provides a payroll tax savings to the participant.  Qualified medical expenses are outlined in IRS Code Section 213(d) and include copays, deductibles, prescriptions and many other medical expenses. A few…
  • Spring Clean Your Boat

    Fran Shaw
    19 May 2015 | 10:57 am
    Spring Clean Your Boat The snow is gone, the sun is shining, and you feel you can finally face Mother Nature and come out of hibernation. Spring must be here! And for all you nature-loving, dry-land fearing people out there, you know boat season is right around the corner. Whether you took proper care of your boat prior to storing it away for the winter or not, we have tips to help you set sail with ease. Clean it Wiggle it out from the garage, dig it out from the yard, or jump on that offer you saw for a used boat and get to work. Use some mild detergent and warm water to scrub the interior…
  • May – National Water Safety Month

    Fran Shaw
    13 May 2015 | 1:42 pm
    MAY National Water Safety Month!   You pack some snacks, towels, and toys to keep them occupied. You lather them up in sunscreen to protect them from those harmful rays, and you even agree to go down the slide (just once!) to make them happy. You do a lot for the people you care about- keeping them safe should be one of them. May is National Water Safety Month, so it only seems fitting to offer you some tips and tricks to keep your family safe this season. Drowning is Nondiscriminatory Many people assume children are the only ones susceptible to drowning when in fact, everyone is at…
 
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    Blog

  • N.J. State AFL-CIO, Rep. Pascrell, Union Leaders Discuss the Negative Consequences of a Fast Track Trade Deal

    29 May 2015 | 9:48 am
    New Jersey State AFL-CIO President Charles Wowkanech, U.S. Rep. Bill Pascrell Jr. (D-N.J.), UFCW Local 1262 President Harvey Whille and labor and community leaders from across northern New Jersey held a press conference on Thursday to discuss the many negative consequences for communities and working families that will result if the president’s Fast Track trade negotiating power is renewed.
  • Time to Say Goodbye

    29 May 2015 | 7:15 am
    After more than 35 years writing for union newspapers, magazines, e-newsletters, fax alerts and blogs, and even sending out a few tweets and texts lately, this is my last—as we used to call it— story. I’m retiring from the AFL-CIO after 26 years.
  • Reich: Want to Fix the Economy? Strengthen Unions

    28 May 2015 | 1:15 pm
    In the latest video in his series on how to fix the economy, former Labor Secretary Robert Reich argues that stronger unions are a critical component. Unions, Reich explains, are key to increasing stagnant wages and boosting a shrinking middle class.
  • In the States Roundup

    28 May 2015 | 10:45 am
    It’s time once again to take a look at the battles for the rights of working families in the states. Here is what the unions in the states are talking about this week. Click on any of the links to follow the state federations and central labor councils on Twitter.
  • TAA Works—Just Ask Michael Smith

    27 May 2015 | 12:40 pm
    Michael Smith worked for 13 years as a crane operator at Bethlehem Steel’s Sparrows Point, Md., plant. But in 2012 the plant—then owned by R.G. Steel—was forced to shut its doors after a series of flawed trade deals and U.S. policy decisions allowed cheap, subsidized foreign steel to flood the market. Smith was among 2,500 United Steelworkers members who lost their jobs.  
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    Car Insurance Comparison

  • How do you drive a new car home without insurance?

    Ashley Jimeno
    26 May 2015 | 5:45 pm
    Driving your new car home from the dealership without insurance is a potential financial disaster that could bring your financial life to a halt. Here’s why. Once you drive off the lot, your car already loses thousands of dollars of its value. For instance, a 27,000 dollar vehicle with zero miles on it loses more than 2,500 dollars in value the instant you drive it away from the dealership. Within five years time, you will have lost 18,000 dollars, or 60 percent of its value. Beyond that you are further risking more money when you drive without insurance off the lot. This part could…
  • Auto Insurance Comparison

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

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

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

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

  • IIABNJ assists veterans in receiving NJ insurance license

    IFAwebnews Staff
    28 May 2015 | 8:46 am
    The Independent Insurance Agents and Brokers of New Jersey (IIABNJ) announced the launch of a new U.S. Veterans Pre-Licensing Program designed to support the men and women of our armed forces and assist them in finding post-military careers. IIABNJ’s U.S. Veterans Pre-Licensing Program includes an online Property/Casualty Pre-Licensing Course, the New Jersey State Licensing Exam, the Initial Insurance License, a Pre-Employment Assessment Test, and access to a robust Career Center, all free of charge. “John F. Kennedy said ‘As we express our gratitude, we must never forget that the…
  • Defensive and strategic deals boost insurance mergers and acquisitions: Study

    IFAwebnews Staff
    28 May 2015 | 7:57 am
    Merger and acquisition (M&A) activity in the insurance industry is rising although the number of deals still remains well below levels seen before the financial crisis, according to Swiss Re’s latest sigma study, “M&A in insurance: start of a new wave?” After declining sharply in 2009, overall M&A activity in the insurance sector remained relatively subdued in the ensuing years, according to Swiss Re’s report. In recent months activity has picked up again, while the pipeline of future deals has also increased: total M&A announcements in the second half…
  • Keystone adds Missouri agencies

    IFAwebnews Staff
    27 May 2015 | 9:11 am
    Keystone Insurers Group welcomed Springfield, Mo.-based agency Barker Phillips Jackson (BPJ) as its second franchise partner in the state. The announcement was made by Barker Phillips Jackson President Tom Montileone and Keystone Vice President of Sales and Marketing Elizabeth Schenk. “BPJ’s partnership with Keystone Insurers Group allows us to offer the same premier markets, products, services and programs as large global agencies, but to do so on a local service platform,” Montileone said. “Keystone provides resources to its partners that are second to none in the industry. Our…
  • P/C insurers continue profitability but with deteriorating results

    IFAwebnews Staff
    27 May 2015 | 8:56 am
    Private U.S. property/casualty insurers’ net income after taxes fell to $55.5 billion in 2014 from $63.4 billion in 2013 (-7.9%), with insurers’ overall profitability as measured by their rate of return on average policyholders’ surplus dropping to 8.4% from 10.2%, according to ISO and the Property Casualty Insurers Association of America (PCI). ISO is a Verisk Analytics business. Insurers’ combined ratio deteriorated from 96.2% in 2013 to 97.0% in 2014. Net written premium growth slowed slightly from 4.4% in 2013 to 4.1% in 2014. Policyholders’ surplus increased…
  • NFP acquires Maryland’s Horenberg Insurance Services.

    IFAwebnews Staff
    26 May 2015 | 10:10 am
    NFP, the New York-based insurance broker, has acquired Horenberg Insurance Services in Burtonsville, Md. Terms of the transaction were not released. Glenn Horenberg Founded in 1971, Horenberg Horenberg Insurance Services offers a broad range of property & casualty insurance and employee benefits programs. Horenberg President Glenn Horenberg, who has more than 35 years of industry experience, is now managing director of NFP Property & Casualty, where he will report to Terrence Scali, CEO of NFP Property & Casualty. Robert Horenberg and Janet Horenberg, each with 30-plus years of…
 
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    Insurance Forum

  • Dedicated Training Programs … Powered by AHIP

    Charley Parker
    29 May 2015 | 2:59 pm
    AHIP’s convenient online programs are designed specifically to support your unique training needs as a health insurance agent or broker, as well as meet CMS reporting verification requirements. Courses include: [LIST][*]Marketing Medicare Advantage + Fraud, Waste and Abuse — 2016 edition coming soon! Sign up to be notified at http://bit.ly/1SHtpKP [*]Agents & Brokers Federal Marketplace Training — 2016 edition coming soon! Sign up to be notified at http://bit.ly/1SHtpKP [*]HIPAA-Except
  • Dedicated Training Programs … Powered by AHIP

    Charley Parker
    29 May 2015 | 2:58 pm
    AHIP’s convenient online programs are designed specifically to support your unique training needs as a health insurance agent or broker, as well as meet CMS reporting verification requirements. Courses include: [LIST][*]Marketing Medicare Advantage + Fraud, Waste and Abuse — 2016 edition coming soon! Sign up to be notified at http://bit.ly/1SHtpKP [*]Agents & Brokers Federal Marketplace Training — 2016 edition coming soon! Sign up to be notified at http://bit.ly/1SHtpKP [*]HIPAA-Except
  • Anyone Use a Good Route Planner?

    skydog
    29 May 2015 | 2:50 pm
    anyone use a route planner with success? I so, which one? The one I use sucks...
  • Standard Life and Casualty

    Rather_Be_Golfing
    29 May 2015 | 2:39 pm
    Anybody write for these guys and have any positive or negative feed back? Thanks!
  • Final Expense Payment Cycle

    insuremeplz
    29 May 2015 | 2:25 pm
    Hello, I'm not new to insurance but I am possibly looking into switch into final expense. One big question mark is how long it takes to start seeing cash flow when I first start up. Can someone give me an idea of how long it takes from day one for business to transact? From sending my first batch of mail, to writing the policy, to getting through underwriting, to seeing my advance post to my account. Is it over a month? Two months? Thanks.
 
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    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • A New Way to Buy San Diego Insurance

    MccormickInsure
    13 May 2015 | 9:55 am
    San Diego Personal Insurance Congratulations! You got past the title and are now embarking on a new way to look at the San Diego insurance buying process. Over the next few months we would like to offer you an alternative way to think about insurance that will change your purchasing experience. We will start with a few basic truths that we believe in. We will share these truths in greater detail over the next few articles. Insurance is a service not a commodity. You can never get the right personal insurance for you needs online in 7 minutes. There is more to insurance than a policy.
  • Summer Means It Is Time To Get The Toys Out

    MccormickInsure
    6 May 2015 | 9:55 am
    How To Save Money On Your San Diego Toy Insurance When it comes to San Diego RV, motorcycle, or boat insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals. There are few joys greater in life than being able to escape the daily grind. Regardless of whether you are relaxing on your boat at the lake, traveling through the California coast, camping with friends and family or enjoying the open road on the bike of your dreams; you need to take the proper steps to protect what you have worked so hard to enjoy. We know and…
  • San Diego Auto Insurance–Facts and Fiction

    MccormickInsure
    15 Apr 2015 | 9:06 am
    San Diego Auto Insurance At times, purchasing car or auto insurance in San Diego can be confusing. You are inundated with advertisements that say, “The application process takes just 5 minutes”, “Just click here to get the lowest price”, or “You don’t need an agent, you have a computer to help you”.  We believe that San Diego auto insurance should be a purchase in which you put thought and consideration into, because you are buying a product and service to protect yourself, your auto and your family. Auto Insurance Facts We wanted to clear up some of the car insurance…
  • Now Is The Time To Think About Your San Diego Personal Insurance

    MccormickInsure
    8 Apr 2015 | 9:03 am
    San Diego Personal Insurance Planning Finding the right San Diego auto insurance is not always an easy task. Don’t believe the TV ads; it does take longer than ten minutes to get insurance.  But finding the right personal insurance for you does not have to be overly difficult. Let us do all the heavy lifting. There are a number of items you may want to consider when reviewing your San Diego personal insurance needs. Personal Insurance Let Us Shop for the Lowest Price Available You get what you pay for, and we compare not only price, but policy features as well.  Not all auto insurance…
  • San Diego Motorcycle Safety Tips

    MccormickInsure
    18 Mar 2015 | 7:41 am
    Motorcycle Safety & Insurance Let’s face it; there is nothing better than cruising down the open road on your motorcycle. But to be safe on the streets, you need to not only practice good motorcycle safety, but be a defense driver too. A motorcycle rider not wearing a helmet is 55% more likely to have a fatal head injury. Most motorcycle accidents could have been prevented. San Diego Motorcycle insurance should be an important part of your planning. Our insurance policies cover all kinds of motorcycles from sport bikes, cruisers, standard, touring bikes, custom motorcycles, scooters and…
 
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    Property Casualty Insurance Blog

  • June 2015 Preview: Historical Catastrophe Activity

    Ted Gregory
    29 May 2015 | 4:30 am
    The Atlantic hurricane season runs from June 1 through November 30 every year. Although forecasters have predicted below-average activity for this year, we’ve already experienced the first tropical event of the season — Tropical Storm Ana — which made landfall near Myrtle Beach, South Carolina. Fortunately, the storm had minor impact and resulted in very little property damage (PCS did not designate it a catastrophe event). Historically, June has shown that it can be an active month for catastrophe events — and 2012 comes to mind. PCS designated seven events in June that year,…
  • ISO Claims Partners Supports 2015 CLM Medical Legal Summit

    Robert Lewis
    26 May 2015 | 5:38 am
    ISO Claims Partners is an avid supporter of providing education to claims professionals and attorneys as they handle the complexities of managing claims and litigation surrounding Medicare compliance. As part of our ongoing involvement and support of industry educational initiatives, ISO Claims Partners will sponsor the 2015 CLM Medical Legal Summit, which will be held on June 3, 2015, in Chicago, Illinois. The Claims and Litigation Management Alliance (CLM) promotes and furthers the highest standards of claims and litigation management and brings together thought leaders in both industries.
  • California might be the next state to participate in child support matching

    Kate O'Kelly
    22 May 2015 | 5:26 am
    On February 26, 2015, Bill SB 585 was introduced into the California state legislature. If it passes, insurers and self-insureds will need to ensure that they’re in compliance with the law, which requires them to participate in a data match program to match claims against the state’s file of delinquent obligors of child support payments. On March 27, 2015, seven trade organizations collectively released correspondence to the state advising that they will oppose the bill if it is not amended. With the support of industry trade associations, ISO has provided feedback to the state of…
  • Get the latest compliance news at an ISO ClaimSearch® User Meeting

    Louis Riggio
    22 May 2015 | 5:04 am
    Are you in touch with what’s currently happening in the compliance world? Compliance regulations are constantly changing, and new rules and requirements are regularly being implemented. User Meetings are a great place to hear about industry regulations covering a wide range of topics involving auto claims, child support, and fire marshals, among many others. Join one of our upcoming ISO ClaimSearch User Meetings to get an update on the latest compliance information you need. June 9, 2015 Register Now >> National Insurance Crime Bureau 1111 E. Touhy Avenue, Suite 400 Des Plaines, IL…
  • Section 111: Navigating the Forest, Seeing the Trees

    Daniel Lindner
    19 May 2015 | 7:10 am
    Last month, I introduced a new Section 111 Medicare reporting series. We began with purposes and processes to demystify Section 111 at a high level. At its core, Section 111 represents a way for Medicare to collect claim information on Medicare beneficiaries. The questions now revolve around what type of information is required to be reported and when must it be reported. Medicare determines the form and manner of reporting. Now Medicare’s User Guide has grown to several hundred pages of instructions, making the policies a dense forest of regulations. Although Medicare isn’t always clear…
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    WRIN.tv

  • Insurers should put Social Media into their DNA…Connect and Engage with customers

    Kenneth Simon
    28 May 2015 | 5:13 pm
    At the 2015 European Insurance Forum, WRIN.tv asked Arjen de Boer, the Founder of ITDS Business Consultants for his take on technology trends affecting insurers and for his advice on the industry’s use of social media. According to Mr. de Boer, the decline in insurance penetration these days is due, in part, to the economic [...] The post Insurers should put Social Media into their DNA…Connect and Engage with customers appeared first on WRIN.tv.
  • A.M. Best optimistic about Medical Professional Liability market

    Kenneth Simon
    28 May 2015 | 8:56 am
    In highlights from its First Monday series, A.M. Best’s Senior Financial Analyst Dan Teclaw discusses the profitable Medical Professional Liability (MPL) market. According to A.M. Best, 2014 was the ninth straight year of underwriting profit, significant rate increases and tougher underwriting. Mr. Teclaw sees medical professional liability premiums coming down due to competition, and the [...] The post A.M. Best optimistic about Medical Professional Liability market appeared first on WRIN.tv.
  • OECD BEPS will have big impact on taxes for multinational (re)insurers.

    Kenneth Simon
    27 May 2015 | 5:25 pm
    The Organization for Economic Co-operation and Development (OECD) published its Base Erosion Profit Sharing (BEPS) action plan in July 2013 to address perceived flaws in international tax rules. The Plan was endorsed by G20 with implementation to be completed by the end of 2015.   WRIN.tv spoke with John O’Leary, a Tax Partner in Financial Services [...] The post OECD BEPS will have big impact on taxes for multinational (re)insurers. appeared first on WRIN.tv.
  • Regulators and insurance industry would both benefit from global regulatory standards

    Kenneth Simon
    27 May 2015 | 10:23 am
    Darren Maher, a Partner and Head of Corporate Insurance at Matheson, spoke with WRIN.tv at the 2015 European Insurance Forum in Dublin about the movement toward global insurance regulation. The talk of creating a global regulatory regime started in the immediate aftermath of the most recent financial crisis. Mr. Maher says the industry and regulators [...] The post Regulators and insurance industry would both benefit from global regulatory standards appeared first on WRIN.tv.
  • “Model Bust” could change market… but reinsurance risks can’t be modeled

    Kenneth Simon
    26 May 2015 | 6:23 pm
    At the 2015 European Insurance Forum, WRIN.tv spoke with Charles Goldie, Deputy CEO of the Global Non-Life operations at Partner Re, about major issues affecting reinsurance today, and where he sees opportunities for growth. Mergers and acquisitions are among the top issues affecting the reinsurance industry today, Mr. Goldie says, due to the amount of [...] The post “Model Bust” could change market… but reinsurance risks can’t be modeled appeared first on WRIN.tv.
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    SelectNews Blog

  • Five Tips For Funding Your Children’s College Education

    SelectQuote
    21 May 2015 | 7:29 am
    Whether you’ll be footing the bill in eight years or 18 years from now, here are five tips for funding your children’s college education. Depending on how old your kids are, that first college tuition bill may seem like a long way off. But given how much tuition prices increase on an annual basis, you’ll need to have well over $100,000 in the bank just to send one child to a four-year public college within the next 18 years – to say nothing of a private institution. If you have more than one child, then you can double, triple, or quadruple that number. And if grad school…
  • Last-Minute Travel Apps

    SelectQuote
    14 May 2015 | 10:03 am
    With June just around the corner, vacation season is upon us. Haven’t started planning yours yet? Don’t panic. Thanks to the multitude of travel apps out there, last-minute vacation planning is easier – and cheaper – than ever. Whatever your destination, these free apps will help get you there – and help you get the most out of your time off – without putting a dent in your wallet. FOR YOUR FLIGHT One of the newest air travel apps to hit the iOS App Store, Hopper continuously analyzes billions of flight prices and tells you when to book in order to save up…
  • Why Moms Need Life Insurance, Too

    SelectQuote
    8 May 2015 | 6:41 am
    There’s a popular belief that moms don’t need life insurance, especially if they don’t work. But given the many contributions (financial and otherwise) that most mothers make to their households, this couldn’t be more false. In honor of Mother’s Day, we’ve compiled four scenarios to demonstrate why all moms need life insurance – whether they have a full-time job, a part-time job, or no job at all. You’re a stay-at-home mom. Think stay-at-home moms don’t need life insurance? Think again. It’s been estimated that stay-at-home moms in the US…
  • Adult Education: Five Reasons Why You Should Never Stop Learning

    SelectQuote
    30 Apr 2015 | 6:44 am
    After spending the first 20 plus years of our lives in a classroom, the idea of going back to school as an adult can hold very little appeal – especially for those of us with demanding jobs and families to support. Contrary to what you may believe, however, continuing your education can be beneficial not only to your career, but to your mental health and family life. And given the explosion of online courses and educational technology in recent years, learning has never been easier or more accessible. Here are five great reasons to continue your education no matter how old you are.
  • Life Insurance Defined: 12 Terms You Need To Know

    SelectQuote
    23 Apr 2015 | 6:33 am
    Shopping for life insurance can be tricky. Knowing how much you need, how long you need it, and how much you should be paying is virtually impossible without a basic understanding of certain key terms. The following 12 definitions will help you make an informed decision about what kind of life insurance policy to buy for your particular needs. Life Insurance Quote: An estimate of how much you’ll have to pay for a particular life insurance policy. Most quotes come in the form of a monthly cost, but they can also represent an annual rate. Since different insurance providers charge…
 
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    Shift Insurance Blog

  • How to Minimize the Cost of a New Driver

    6 May 2015 | 10:22 am
    Young drivers are expensive to insure. Such drivers, particularly teenagers, frequently cause traffic accidents because of their lack of experience and because, due to their youth, they tend to be distracted, risky drivers. If your household is about to add a new driver, make sure that he or she understands that, besides endangering themselves and others, poor driving habits can result in higher premiums or a canceled policy. Here are some methods to help minimize the cost of a new driver: Have your child complete a driver training class. The class’ cost is easily offset by lower…
  • Breaking Down California's Good Driver Discount

    14 Apr 2015 | 11:03 am
    These days, most car insurance companies offer a variety of discounts to keep their rates competitive.  Having everything from good grades to an electric car can save you a little bit of money every month. But here in California, there is one discount that reigns supreme -- the Good Driver Discount. What is it? Back in 1988, California residents voted Proposition 103 into law.  Among other insurance-related regulations, Proposition 103 also created the Good Driver Discount -- which requires car insurance companies to give qualifying policyholders a 20% discount. How do you qualify…
  • 6 Things That Will Determine Your Commercial Auto Insurance Premiums

    23 Mar 2015 | 11:58 am
    Commercial auto insurance works a little bit differently from its personal counterpart.  After all, when you drive for work, you probably spend more time in the car, head to places you wouldn't go in your personal time, and you may even drive vehicles that you wouldn't drive in your off-time -- like cargo vans, delivery trucks, etc.  And, when you drive a commercial vehicle, you're putting the entire company at risk of a lawsuit if something goes wrong. Bottom line -- there are different risks involved with driving a commercial vehicle.  And when you're talking about insurance,…
  • Direct vs. Agents vs. Independent Agents vs. Brokers -- Where Should You Buy Car Insurance?

    12 Mar 2015 | 11:15 am
    At last count, nearly 39 million people called California home, and if any of them want to hit the road, they're required to buy car insurance.  That's why you see so many buying options out there! But which way is the RIGHT way to buy car insurance?  What type of professional should you buy it from, and who's going to give you the best deal? In order to answer those questions, you need to understand that there are four ways to buy car insurance in California -- directly from the carrier, through an agent, through an independent agent, and through a broker. Here are the pros and…
  • Coverage For Your Business Use Vehicles

    3 Mar 2015 | 11:46 am
    Many businesses are exposed to the financial consequences of their ownership, use or maintenance of vehicles used in their operations. Most coverage needs can be handled by a business auto policy (BAP) or similar form which cover operations such as: ·        Product or food delivery ·        Transporting business products to wholesalers or retailers ·        Retail product delivery to consumers…
 
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    The trading forex

  • Citi keeps top spot in FX trading as European banks slump -poll

    admin
    29 May 2015 | 11:23 am
    Citi keeps top spot in FX trading as European banks slump -poll Citigroup kept its top spot as the leading foreign exchange trading bank with a market share of 16.1 percent, up from 16 percent a year ago, according to the Euromoney FX Survey 2015. Deutsche Bank and Barclays remained in second and third spots, but … Read more on Reuters Forex trading banks to face rigging probe Secretive online chatrooms, foreign exchange traders pretending to be customers and secret backroom deals done to push the rand up or down: this seems to have been the modus operandi of traders at some of the…
  • New FileMaker 14 Platform speeds business solution development for iPad …

    admin
    29 May 2015 | 12:15 am
    New FileMaker 14 Platform speeds business solution development for iPad … “FileMaker 14 is the culmination of 30 years of helping customers exploit the latest platforms – from Mac and Windows then through iOS devices and mobile web browsers today – meeting users' rising expectations for data accessibility, simplicity and … Read more on Geekzone Kodak unveils InSite Prepress Portal System 7 kodakinsitrportal7a-in The latest version of InSite is built on HTML5 and eliminates bottlenecks while extending its automation, security and performance capabilities. By removing the…
  • Investor Cemaskan Pemilu Presiden

    admin
    28 May 2015 | 11:18 am
    Investor Cemaskan Pemilu Presiden Maybank Kim Eng, perusahaan broker terbesar Asia Tenggara dari segi nilai, mengatakan sebagian besar dari 80 nasabah kelembagaan dari Singapura, Kuala Lumpur, dan Hong Kong yang mereka temui pada awal Juni menunjukkan ketertarikan kuat … Read more on The Wall Street Journal Indonesia
  • Lastest Forex Basics News

    admin
    28 May 2015 | 12:12 am
    Understanding The Basics Of Mitigation Banking Mitigation banking is a system of credits and debits devised to ensure that ecological loss, especially to wetlands and streams resulting from various development works, is compensated for by the preservation and restoration of wetlands, natural … Read more on Investopedia Forex Breakout Basics Article Summary: Trend traders enjoy the luxury of first identifying market direction prior to executing a trading strategy. Once found traders can employ a breakout strategy for entries. As we discussed in an earlier edition of Trend of the Day,…
  • Pakistan broker and exchange become latest to integrate MetaTrader 5 platform

    admin
    27 May 2015 | 11:11 am
    Pakistan broker and exchange become latest to integrate MetaTrader 5 platform Enrichers, a member broker of PMEX, is a leading multi-commodity brokerage house that is committed to achieve financial excellence by educating traders about risk management. The company is one of the largest market participants and is rated as a top … Read more on LeapRate Australia's central bank decides not to regulate Bitcoin The Reserve Bank of Australia has issued a comprehensive statement which concludes that after having taken an interest in digital currencies and monitoring developments in…
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    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • Identity theft rises by more than 30%

    qldb_admin
    29 May 2015 | 9:49 am
    Identity theft is a growing problem that everybody needs to take much more seriously. A recent report by a leading fraud prevention agency has revealed the number of victims of identity theft rose by nearly a third in the first quarter of 2015. If the trend continues it’s estimated that more than 128,000 Britons will have their identity stolen by the end of the year.Identity theft involves the illegal use of personal information in order to impersonate another for financial gain. The consequences of identity theft can be catastrophic and unwitting victims can be left traumatised and held…
  • Motorway Breakdown Advice

    qldb_admin
    26 May 2015 | 9:43 am
    Breaking down on the motorway can be dangerous and the number one priority is to make sure that everyone stays safe. Keep calm and take the following steps until help has arrived: If you suspect that your vehicle is developing a fault leave the motorway at the next exit or service station. If it’s too late and you need to stop in a hurry pull over on to the left hand side of the hard shoulder. Turn your wheels to the left and switch on your hazard warning lights. Leave your vehicle using the left side passenger doors and stay well back behind the crash barrier. Don’t be tempted to return…
  • City Break Travel Insurance Explained

    qldb_admin
    21 May 2015 | 9:52 am
    With Sterling soaring against the Euro and budget airlines crisscrossing the continent; it’s hardly surprising that city breaks have become more popular than beach breaks.  What’s much more surprising is the fact that nearly half of those jetting off for the weekend aren’t insured. Research has revealed that nearly 50% of ‘city breakers’ don’t have any travel insurance and 30% said that insurance hadn’t even crossed their mind. The report makes for worrying reading; especially if you consider that approximately 10% of British travellers have been victims of crime abroad. You…
  • April Insurance News Round-up

    qldb_admin
    5 May 2015 | 2:52 am
    Don’t get stung by travel jabs If you’re planning a round the world trip, or a summer sojourn to somewhere exotic, you may need vaccinations before jetting off. The NHS has reported that nearly a quarter of holidaymakers fail to get inoculated before travelling abroad and insurers are warning that their policies may not pay out if they fall ill. The solution is simple: visit your GP eight weeks before you travel and they will provide advice, treatment and prophylaxis. If you are in a hurry you may get a speedier service at a Travel Clinic, but you’ll have to pay for the privilege. And…
  • Distracted drivers have a close shave on the way to work

    qldb_admin
    1 May 2015 | 2:46 am
    A survey has revealed that commuters cocooned in their cars are getting up to all sorts of strange things as part of their morning routine. The report found that commuters happily admitted to brushing their hair, putting on make-up and even shaving behind the wheel. Driver distraction costs lives and, despite the government’s best efforts, more motorists are using mobile devices to make calls and send messages. Anyone caught using a smartphone behind the wheel can expect a fixed £100 fine and three penalty points, but what about other causes of driver distraction? Worryingly over half of…
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    Esurance Blog

  • Beyond San Andreas: 5 Scariest Fault Lines in the U.S.

    Omar Khan
    29 May 2015 | 9:50 am
    This weekend, Hollywood will debut its latest disaster epic, San Andreas. These 5 zones are just as scary as the San Andreas Fault — if not more so! The post Beyond San Andreas: 5 Scariest Fault Lines in the U.S. appeared first on Esurance Blog.
  • How Hurricanes Get Named [Quiz]

    Meghan Kane
    27 May 2015 | 9:05 am
    Will a hurricane be named after you soon? Test your knowledge with our quiz about hurricane names. The post How Hurricanes Get Named [Quiz] appeared first on Esurance Blog.
  • Traveling with Your Dog: 5 Accessories for the Jet-Setting Pet

    Emily Patz
    25 May 2015 | 5:00 am
    With the recent rise in dog-friendly establishments, car rides with your pet are no longer reserved for trips to the vet. Find out how you can prep your car when traveling with your dog so it’s fit for your precious cargo! The post Traveling with Your Dog: 5 Accessories for the Jet-Setting Pet appeared first on Esurance Blog.
  • 5 Most Dangerous Car Pranks

    Meghan Kane
    20 May 2015 | 9:47 am
    Hilarious pranks are all in good fun, right? When your car’s involved, you might not be laughing. Just in case you’re pranked, here’s what to do. The post 5 Most Dangerous Car Pranks appeared first on Esurance Blog.
  • 3 Cool Types of Home-Security Tech

    Rachael Heller
    18 May 2015 | 10:12 am
    We hear about smart products and technologies all the time. But what does high-tech home security look like? The post 3 Cool Types of Home-Security Tech appeared first on Esurance Blog.
 
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    The Murray Group

  • ‘Tis the Season for Motorcycles

    Bridget Murray
    8 May 2015 | 8:59 am
    Purchasing adequate limits on your NY motorcycle insurance policy is as important as purchasing enough limits on your NY home insurance policy. Now that the sun has come out in upstate NY, many people have started riding their motorcycles, but it is critical to remember that motorcycles can be extremely dangerous. NY motorcycle insurance is critial, but so is general safety! In fact, motorcyclists are 30 times more likely to die in a crash than people in a car, according to the Insurance Institute for Highway Safety (as reported by Consumer Reports). So not only is NY motorcycle insurance…
  • Are You On the Board of a Non-Profit Organization?

    Ryan Murray
    9 Apr 2015 | 10:31 am
    Now that the weather is finally taking a turn in upstate NY, many people are getting active again. If you are like myself, you may be thinking about doing volunteer work, like park clean-up, or even joining a non-profit board. Your employer may even encourage you a non-profit board member, or you may feel compelled to join your neighborhood homeowners association. But did you know that joining a non-profit board can be risky? Here are some staggering statistics provided by a non-profit publication: NY directors & officers insurance will protect you as a board member.   About 1 in 100…
  • March Madness Could Mean Mayhem For Your Business

    Ryan Murray
    17 Mar 2015 | 8:17 am
    If you live in Albany, you’re sure to know that the University at Albany men’s and women’s basketball teams will be playing in the NCAA tournament. Even if you’re not a UAlbany fan and you follow the Buffalo Bulls who are making it to the tourney for the first time, you’ve got Bracketology on the brain. And so do your employees. While it is one of the most exciting times of the year, it is a drain to your business and a NY liability exposure. The numbers are staggering, in fact. According to the law firm Challenger, Gray and Christmas, American companies will…
  • Did He Put a Ring On It?

    Ryan Murray
    10 Mar 2015 | 1:08 pm
    NY jewelry insurance is limited on a homeowners policy. Were you lucky enough to be the recipient of a gorgeous piece of jewelry for Valentine’s Day? You’ve had enough time to thank that special someone for the extra-special holiday gift, but you probably have forgotten to speak with your personal risk advisor to make sure you have enough NY jewelry insurance. Homeowners insurance provides very broad coverage for many of the belongings that you own, but you need to read the fine print to find the section on jewelry coverage. Most policies place a specific limit of $1,500 or…
  • Drugs in the Workplace & NY Business Insurance

    Ryan Murray
    17 Feb 2015 | 7:25 am
    What you don’t know can hurt your business. Companies across the country are unknowingly exposing themselves to serious risks and liabilities associated with substance abuse. So, what is substance abuse, how does it impact your organization and what can you do about it? Substance abuse in the workplace means the use of illegal drugs, the misuse of illegally used drugs (prescriptions & over the counter) and the use of alcohol that negatively impacts the workplace. A staggering number of employed individuals have a substance abuse problem – 1 in every 6, according to Christine…
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    Insurance Quotes Online

  • Do You Need Watercraft Insurance?

    Carey Taylor Noble
    18 May 2015 | 6:12 am
    Almost anything can be insured if you are willing to pay enough. I have a friend who bought a tugboat last year that had sat on the bottom of the ocean for ten years. The Wendy B is about 70 years old and in fact sunk twice, so it has spent about a quarter of […]
  • Motorcycle Safety Facts

    Carey Taylor Noble
    6 May 2015 | 12:10 pm
    Some sobering statistics The Insurance Institute reports that in 2013 over 4,668 riders and passengers were killed in collisions. What’s more, riders and passengers were 26x more likely to die than drivers of automobiles and other vehicles. And according to the National Highway Traffic Safety Administration (NHTSA) motorcycles are by their nature, far less crashworthy […]
  • What is Business Interruption Insurance?

    Michael Guerin
    1 May 2015 | 8:01 am
    In this video you’ll learn how this type if business insurance works and why getting this coverage is important for you. For example, should your retail business or restaurant get closed for a week or so because of storm damage, this type of coverage will pay for lost revenues due to the shut down. What’s […]
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    Insurance Protection Blog

  • A Common Insurance Mistake Made By Churches & Religious Organizations

    RJ Weiss
    26 May 2015 | 7:02 pm
    After service, a member drives their own vehicle to pick up  coffee to bring back to the church. There's an accident... A member volunteers to drive their minivan to take youths to a weekend camp. There's an accident... The church rents a van or bus to drive members to visit another church. There's an accident... In all three of these instances, the church may be held liable for damages.  Non-Owned & Hired Auto - Why Churches Should Have It Fortunately, there's a very inexpensive endorsement churches can add to their policy for coverage.  For coverage against accidents…
  • Moving? Here’s A Checklist To Keep Your Finances Organized For Illinois Residents

    RJ Weiss
    1 Apr 2015 | 1:19 pm
    While moving is exciting, it’s also stressful. Very stressful. There’s always more to do. More to pack. There’s more junk laying around than you thought. There’s another phone call to make. Another estimate to get. It’s important throughout all this chaos, to stay as organized as possible. There are dozens of small, but very important tasks to take care of. Forgetting one can be costly. I learned when moving within Chicago, that PeoplesGas needs A LOT of time to simply turn on your gas. Calling a week ahead wasn’t enough. When juggling multiple projects,…
  • The New, Faster Way of Saving Money On Home Insurance

    RJ Weiss
    5 Dec 2014 | 3:44 pm
    In 2011, the average home insurance premium rose by 7.6%! In 2012, the average premium rose by 5%. In 2013, it increased by 5.1%*. To put this in perspective, a homeowner paying $1,000 at the beginning of 2011, is now paying $1,187. A difference of $187 a month. Equal to a new car payment or a nice dinner or two out with the family. Most homeowners have simply absorbed this increase into their monthly budget. Partly because shopping your home insurance is time consuming. The approach many use to shop their home insurance is calling around to a couple of local agents, completing applications…
  • 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.  …
 
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    autoinsuresavings.org

  • Affordable Insurance Made Easy: A Life-Long Expense to Help You Save?

    Shaun Fyffe
    8 May 2015 | 5:13 am
    Buying car insurance can seem like one of the great paradoxes of life: you have to spend a bunch of money on something you pray you’ll never use. You still have to have it, though – but that doesn’t mean that you have to pay through the nose for it. Since you’re going to be paying an insurance bill for the rest of your life, you might as well save some money on it, right? Below are a few tips to help keep your insurance costs down, so that you can use more of your money on something fun (like a new car, perhaps?). Short-Term Tips Some money-saving tricks only really pay off over the…
  • Consumer Report: Best Cars for Keeping Your Family Safe 2015

    Brooke Chaplan
    11 Apr 2015 | 6:54 pm
    Decades of research and development in automobile manufacturing and recent innovations in safety engineering have made new vehicles safer than ever. As the technology advances the National Highway Traffic Safety Administration (NHTSA) continues to raise safety standards for the cars they test. Below are four of The Insurance Institute for Highway Safety’s top picks for the safest family cars available in 2015 2014 Audi A4/S4 Audi A4 2014 NEW Sporty tech-savvy Sedan. Image credit: AllCars youtube. Audi’s 2014 luxury A4 sedan and its performance-oriented sister model the S4 have…
  • Car Care Tips Interview with Luke Ellery

    Kirsty Tanner
    27 Mar 2015 | 9:55 am
    Luke Ellery is the first Australian to win an official Road to Indy race and currently runs the driver training and mentoring side of the team at Ellery Motorsport. Luke was kind enough to have a chat with me on all things cars and shares his expert tips on car maintenance with us below. Luke Ellery is Ellery Motorsports Racing Director. What is your dream car? Porsche 917 in Gulf colors What was the first car you ever owned? 1962 Austin Healey Sprite What is your most memorable driving experience? Winning at Sebring, Florida, in a USF2000 car When you’re driving how do you minimize wear…
  • Are You Making These Major Mistakes When Choosing Auto Insurance?

    Anica Oaks
    13 Mar 2015 | 8:48 am
    Because auto insurance is a requirement in most states, virtually everyone will purchase coverage throughout their life. While buying auto insurance is common, many people who buy coverage without doing their homework make major mistakes when they choose a plan. Making a mistake when you buy car insurance can end up costing you a small fortune. Here are four mistakes you should be sure you are avoiding the next time you go shopping for a policy. Choosing Higher Deductibles Than You Can Afford If you have full coverage on your vehicle, it is tempting to select the highest deductible available…
  • The Cheapest Cars to Insure in 2015 with the Best Gas Mileage

    Shaun Fyffe
    16 Feb 2015 | 12:11 pm
    Owning a car can be an expensive proposition. Just finding enough money to drive it off the lot can be daunting, but that’s only half the financial battle. You also have to worry about gas, maintenance – and insurance. Of the three, gas and insurance can eat through your finances faster than you ever thought possible. That’s why, when you’re looking for a new (or new to you) vehicle, it’s important to factor both of these things into the equation. This guide will help you discover which modern cars are the cheapest to insure, while also getting great mileage. The combination of the…
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    NoExam.com » BlogNoExam.com

  • Medical Conditions and Medications That Affect Your Life Insurance Application

    Jon Fritz
    7 May 2015 | 8:05 am
    As with any type of insurance, life insurance revolves around the concept of risk. Whether a life insurer will cover someone and how much they will charge for that coverage depends on the applicant’s mortality risk. An individual’s mortality risk refers to the statistical likelihood that he/she will die prematurely. When a policyholder dies prematurely, […] The post Medical Conditions and Medications That Affect Your Life Insurance Application appeared first on NoExam.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.
 
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    Assetsure

  • The Hatton Gardens raid

    Sara Jaspan
    29 May 2015 | 8:58 am
    Ever since Easter weekend, the nation’s attention has been firmly fixed on the drama of the Hatton Gardens raid. There have been several headline grabbing developments as the story has unfolded; yet no one will have felt these as keenly as the victims themselves. Implications for those affected Many of those affected are small business owners who had been storing their goods at the safety deposit box facility, uninsured; believing their jewellery was protected against the risk of theft. Unfortunately the recent incident has highlighted the fact that no security precaution is ever completely…
  • The Regent

    Sara Jaspan
    27 May 2015 | 5:29 am
    Though the 140 carat Regent diamond, today, sits serenely on display in the Denon wing of the Louvre in Paris, its journey there has been as full of twists and turns as many of the world’s other most famous diamonds. Ocean crossings The gem originated from the Kollur Mine in India, where, so the story goes, it was discovered in 1698 by a slave who smuggled the diamond (weighing 426 carats in the rough) out of the country by concealing it within the bandages of a self-inflicted wound. He was later murdered and the stone stolen by an English sea captain who had initially promised safe passage…
  • The Blue Hope diamond

    Sara Jaspan
    30 Apr 2015 | 4:55 am
    The story of the Blue Hope diamond has been a source of fascination for centuries. Indeed, the intense blue stone (around the size and shape of a walnut) is today described as the most famous diamond in the world. Why? For its curse. An eye for an eye Legend has it that the diamond was plucked from the eye of a statue of the Hindu goddess, Sita, by the French merchant traveller Jean Baptiste Tavernier while travelling in India in the seventeenth century. A curse was placed upon the stone in revenge, bringing bad luck or death to all who touched it. Nothing but superstition? The curse has…
  • Do you heart the heart?

    Sara Jaspan
    15 Apr 2015 | 2:47 am
    Millions of hearts were stolen by one story this Valentine’s Day when Lady Gaga’s long-term boyfriend, actor Taylor Kinney, proposed with a highly bespoke diamond ring. The news first broke after the pop singer posted a ‘relfie’ (ring-selfie) on the online photo-sharing site, Instagram; which quickly garnered over 482,000 likes. As with any new engagement, all eyes were of course on the ring. Unusually for Gaga, however, on this occasion she was to be out-staged as Kinney succeeded in finding a design just as unique as his fashion-extraordinaire bride-to-be. Rekindling the heart…
  • The Sancy

    Sara Jaspan
    1 Apr 2015 | 2:31 am
    We continue our exploration of the world’s most famous diamonds this month with a look at the Sancy. Though one of the world’s largest white diamonds, the stone has had quite a colourful history, prompting one historian to dub it “the Sancy Blood Diamond”. Here delve into its history to find out why the Sancy has become so infamous. The stone The stone itself is unquestionably beautiful. It is a wonderfully-cut, 55.23 carat diamond, with a soft, pale yellow hue that is almost unnoticeable if you aren’t looking for it (although in photographs the hue can be quite prominent). It is…
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    Enhanced Insurance

  • Funny Pet Names

    Clarence Holm
    26 May 2015 | 8:10 am
    As the father of four energetic girls, there are certain duties that fall under my paternal jurisdiction. Some tasks are very pleasant, like teaching them how to ride a bike and some are not so wonderful, like parallel parking instruction. Somewhere between the “first two step with your daughter at her wedding dance” and following up on “Just wait till your father gets home!” comes final approval of pet’s name. As the unofficial head of household, who is specifically assigned those chores no one else desires to do; pet name approval is one of the thankless tasks a father must…
  • Does Homeowners Insurance Cover Mold Losses?

    Jenna Christianson
    19 May 2015 | 7:48 am
    You’ve probably seen it happen on one of those home improvement shows. A young couple buys a home and begins renovations to make it their own style. They open a hole in the wall, start to pull down the sheet rock, and then the TV host yells, “Stop!” The music gets more intense and the new homeowners gasp in shock. There, in the inside of the wall, is a black speckled surface that smells like mildew or must. It’s mold. There aren’t too many issues that will stop construction immediately, but asbestos, extensive termite damage, and mold are certainly some of them. According to the…
  • Electronic Signature Validity

    mgarrett
    12 May 2015 | 7:31 am
    In the past fifteen years, the authenticity of promissory notes, checks, credit cards and online payment signatures have dwindled down to an electronic configuration of symbols. Over time, the financial and personal information once submitted on paper, transferred to digital files. The storage of personal information on servers accessible via cyberspace is scary and seemingly vulnerable. Oak Island Once in a while there is new television series that captures my attention that leaves me eager for the next episode. While looking over my husband’s shoulder, his channel surfing stopped on the…
  • Should I Buy My Renter’s Insurance Online?

    Jonathan Farris
    5 May 2015 | 8:04 am
    The insurance market continues to change each and every day, but the pace of automation has lagged other industries. Over the past few years more headway has been made to allow shoppers to purchase their insurance directly through companies’ online portals. These websites might be for a single insurance company or an insurance aggregator’s site that takes your data, receives quotes from several sources and then provides you with the lowest price or most appropriate quote. I searched Google for “renters insurance quote” and it came back with 6,570,000 hits. Yikes! How will you…
  • Events Insurance for Organizations

    Clarence Holm
    28 Apr 2015 | 7:15 am
    Last year a business in my hometown decided to sponsor a street dance to raise funds for a local charity. The business (a local bar) decided to barricade a main city street and erect a tent. Advance tickets were sold and in addition booths were constructed so food and drink could be sold. The one-day event was expected to make well over $25,000 in profits. Before the first ticket was sold, the organization was notified that a special event policy would be required by the city to protect its interests. Not only that, the charity asked to make sure they were listed on the policy to protect them…
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    A Blog to Watch | Best Watch Brands

  • Do You Need help for Save Money?

    senomer
    8 May 2015 | 11:21 am
    More and more people are struggling to make ends late or because they do not earn / enough money to pay their fixed expenses, or they make a good living but do not pay attention their expenses and therefore are not able to save.  Need help for Save Money? Following this observation I decided to help people organize their finances to what did the end of each month they are proud to watch their accounts without overdrafts and with savings. I will help you: – create budgets for fixed expenses for contingencies, leisure, vacation so that you know where your money goes and how much you can…
  • How to make a Budget | Money Saving Tips

    senomer
    9 Mar 2015 | 12:15 pm
    How to make a Budget – 5 steps, private funds can give you the results as you wants What is the funds? The dictionary defines it because the estimated earnings and expenditure of a gaggle of time. Large corporations have budgets. Small enterprise funds. The household ought to have a funds. If you discover that pay examine to pay verify of your life, it’s possible you’ll have to create a budget. I have no idea the place to begin? Here are the final steps for get the reply of how you can make a funds. Five Steps to create a Good Budget Record correct listing of all earnings and…
  • Bank Secrecy Act and Privacy Regulations

    senomer
    25 Feb 2015 | 12:53 pm
    Bank Secrecy Act In the Caribbean is the primary bank secrecy laws within the Bahamas till 1964 by the Swiss has been “effectively-identified banking paradise” – world-famend “non-public bank.” Government of the Cayman Islands, the Bahamas, adopted by the Bank Secrecy Act, laws with nearly the identical after one 12 months. Grow into the Cayman Islands offshore banking heart earlier than pushing down initially by their secrecy legal guidelines. Today, the entire tax haven secrecy or confidentiality laws. One exception is Bermuda, by no means formally adopted secrecy legal guidelines…
  • Save Money through Property Inspection

    senomer
    24 Feb 2015 | 1:15 pm
    Property Inspection You have spent your life savings in your dream house, and now it is about to be handed over, you need to ensure that the property does not have any construction defects. You will want to rent an apartment and want to ensure that no security problems, so you will not have any losses in the future. This will save you the only thing in both cases is the thoroughness of the examination. This article will guide you about the new and old properties, what common flaw needs to be done to ensure that the new tenant and the landlord does not give the family and the roof leaking and…
  • Money Saving Tips – How to Budget and Save Money

    senomer
    24 Feb 2015 | 9:29 am
    How to Budget and Save Money Are you really serious budget and savings, or you know you need to do is not to use the stuff? How do you budget and save money line begins with tips money. budget means knowing what is coming (income) and what is happening in the (cost), and make sure you can in your life meaning. First of all, you need to find out where your money is spent and how to do this, you need to start a simple bookkeeping system. your first money-saving tip is to spend a few dollars a notebook and pen in the package. Yes, that’s right, money savings. carry your laptop with you at…
 
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    Law360: Insurance

  • 8th Circ. Keeps Utility's $32M Reservoir Failure Suit In NY

    29 May 2015 | 11:45 am
    The Eighth Circuit on Friday said a $32 million fight between an Ameren Corp. utility and insurer Energy Insurance Mutual Ltd. over coverage for a catastrophic reservoir wall collapse should be tried in New York federal court, upholding a district court's decision.
  • Deals Rumor Mill: Humana, TCV, Intel

    29 May 2015 | 10:46 am
    The health care sector might see more consolidation as insurer Humana Inc. considers selling itself after being approached by competitors for a possible takeover, while Intel Corp. is nearing a deal to swallow chip-making rival Altera Corp.
  • UPMC Must Honor Highmark Medicare Contracts, Judge Rules

    29 May 2015 | 10:25 am
    A Pennsylvania judge on Friday said that the University of Pittsburgh Medical Center has to continue to honor Medicare Advantage contracts with rival Highmark Inc. under the terms of a state-brokered agreement aimed at protecting senior citizens from the ongoing feud between the two entities.
  • Americold Asks High Court To Set Trust Citizenship Standards

    29 May 2015 | 10:12 am
    Americold Logistics LLC has asked the U.S. Supreme Court to weigh in on its insurance dispute with ConAgra Foods Inc. and others in order to set a standard for establishing a trust’s citizenship, claiming that lower courts are in “disarray” over the issue.
  • 4 In-House Preferences For Better Outside Counsel

    29 May 2015 | 9:44 am
    The best outside counsel change their optics to think like the client. For these lawyers, client service is not just about top-notch legal work — it is about making life easier for the entire in-house team. In the words of litigation counsel at medical device company Zimmer Inc. and outside counsel at Faegre Baker Daniels LLP, here are four ways outside counsel can better serve clients.
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    SimplyWorkComp

  • New ladder safety poster and materials available

    Simply Work Comp
    21 May 2015 | 1:04 pm
    SFM launched its newest fall-prevention campaign — “Gravity kills” and “Falls are a pain” — on its website recently. A new poster, table tent, paycheck stuffer and email attachment are available for free download at sfmic.com. SFM policyholders can also order copies of the poster and table tent free of charge. Skip, SFM’s safety hero, is on a crusade to prevent slips, trips and falls — including falls from heights. You can help remind employees that falls from heights can cause serious injuries and even death. Most often, you can easily prevent falls from heights…
  • New hospital respiratory protection program toolkit released

    Simply Work Comp
    21 May 2015 | 6:31 am
    The Occupational Safety and Health Administration and the National Institute for Occupational Safety and Health released a new resource to help hospitals protect their employees from transmissible diseases — the Hospital Respiratory Protection Program Toolkit. The toolkit covers respirator use, hazard assessment, development of a hospital respiratory protection program and other related topics. As a supplement to the toolkit, The Joint Commission developed a report titled Implementing Hospital Respiratory Protection Programs: Strategies from the Field. The report identifies common…
  • Work-related concussions on the rise, use these tips to prevent them

    Simply Work Comp
    19 May 2015 | 5:30 am
    Concussions increasingly make today’s news headlines, especially in athletes playing high-impact sports like hockey or football. But concussions don’t only happen on the field or in an arena — they are being reported more often in the workplace, too. And they can be complex and costly to treat. Concussions on the rise From 2012 to 2014, SFM saw a 48 percent increase in concussions that caused injured employees to lose time from work. At SFM, nearly 79 percent of reported concussions have been related to slips, trips and falls, strikes to the head, or motor vehicle accidents. Common…
  • Minnesota’s new medical marijuana law, and what it means for workers’ comp

    Simply Work Comp
    7 May 2015 | 2:59 pm
    by Kathy Bray Minnesota’s medical cannabis/medical marijuana law was signed into law by Gov. Mark Dayton in May of 2014. Whether the law has significant implications for workers’ compensation could hinge on whether patients with intractable pain can use medical marijuana to treat their condition. The Minnesota Commissioner of Health is evaluating the addition of intractable pain as a qualifying medical condition. Background on the medical marijuana law Source: Minnesota Department of Health Medical marijuana from registered manufacturers will be available beginning July 1, 2015, for…
  • Preventing falls: 22 hazards to watch out for

    Simply Work Comp
    22 Apr 2015 | 5:30 am
    Unfortunately, falling is easy. Anyone can do it, no matter what type of job or industry they are in. According to the U.S. Bureau of Labor Statistics, 22 percent of all workers’ compensation injuries were due to slips, trips or falls on the job. You can slip and lose your balance, you can trip over objects left in your path, or you can simply fall from an elevated height. That’s why it is so important to spot unsafe conditions that may lead to slips and falls in order to prevent them. Watch out for these hazards to avoid a fall: Wet or greasy floors Dry floors with wood dust or powder…
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    Coomes Insurance & Financial Services

  • Life Insurance with Guaranteed Income Protection

    Scott Coomes
    28 May 2015 | 11:56 am
    Is there another way to pay a beneficiary (ies) other than a lump sum?  The answer is YES! Consider a unique alternative benefit payout offered by a few top life insurance companies. Traditional life insurance death benefits are generally paid as a lump sum to the beneficiary (ies). Just because something has been done a certain way for a long time doesn’t mean there may not be another way…and perhaps a better way depending on the circumstances. There’s been any number of studies on what happens when a person receives a sudden financial windfall…in this case a lump sum…
  • Term Life Insurance with Living Benefits

    Scott Coomes
    14 May 2015 | 9:44 am
    Term life insurance is one of the cornerstone insurance plans for financially protecting your loved ones or your business. When you’re looking for risk protection for a finite period of time, term insurance is the answer. It’s inexpensive, easy to purchase, and simple to maintain. The catch is, of course, there is no benefit to your family or your business unless you die. And while that’s simply the nature of life insurance, it’s not exactly the most desirable trade off. But what if term life policies offered benefits while you were still living? Double your benefits. Now there are a…
  • Life Insurance without a Medical Exam

    Andrew Coomes
    7 May 2015 | 10:01 am
    Don’t like Needles or Medical Exams?  Consider Life Insurance with No Medical Exam Generally when someone thinks of purchasing life insurance, they also think of the necessity (some may say “hassle”) of having to do a insurance company medical exam where the carrier requests blood and urine samples.  For those who don’t like either (or both) of these requirements,  there is an alternative. Often you can buy life insurance without having to do any medical exam…this is typically referred to as “no medical” or “non-medical” exam life insurance. Many life insurance…
  • Term Life Insurance Conversion

    Scott Coomes
    31 Mar 2015 | 10:11 am
    Don’t Forget about the Conversion Privilege in your Term Life Insurance! One of the valuable benefits of having a term life insurance policy is the conversion privilege.  “Conversion” means the ability to exchange part, or all, of the policy’s face amount for a permanent life insurance plan being offered by the same insurance company as the one that offered you the term insurance. If you qualify for such a conversion based on the provisions of the policy, the exchange to the permanent policy is done without any additional underwriting by the company regardless of your current health.
  • Welcome to Coomes Insurance & Financial Services, LLC

    Scott Coomes
    30 Mar 2015 | 11:17 am
    I am excited to announce the launch of Coomes Insurance & Financial Services, LLC (aka, “CIFS”), an agency dedicated to helping people protect their family and business dreams through planning and risk protection solutions. CIFS was established to address two primary risks that everyone faces:  premature loss of life and outliving one’s resources due to unexpected and costly long term care expenses. Our philosophy is simple…earn trust first.  Drawing on our 35 years’ of experience in the financial services/insurance industry, we’ll work together with our clients to…
 
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    Agency Nation - Insurance Marketing, Sales and Automation

  • 11 Lies a Bad SEO Company Will Tell You

    Nyssa Lieder
    28 May 2015 | 7:00 am
    They take your money, promise the world and leave you with nothing. Who are they? A bad SEO company. An SEO company that gives credible, hard-working SEO’s a bad name. Agencies need to be careful who they turn their website over to, if they decide to hire a third-party. I’ve heard stories from small business owners that are so tragic, they bring tears to my eyes: “My website got blacklisted from Google and I had to start from scratch.” Or even worse, “I gave them every last penny I had and, when I stopped working with them, my site fell off page one and my business went with it.”…
  • Social Media is a Chamber of Commerce Event on Steroids – Interview with Rick Dinger

    Ryan Hanley
    27 May 2015 | 6:00 am
    Join us as Rick Dinger, National Director from California for the Independent Insurance Agents and Brokers of America, sits down to explain why social media is a chamber of commerce event on steroids. This conversation with Rick Dinger is part of our Insurance Expert Interview Series. As you’ll hear Rick explain, social media has played an enormously important role scaling the relationships Rick has made in the physical world. Additionally, Rick’s talks about his service to both the state and national association and why getting involved in the association is so important to the…
  • Build Client Loyalty and Gain More Referrals Using the One Thing That Sets You Apart

    Amy Sanders
    26 May 2015 | 5:51 am
    Setting yourself apart from the competition is not an easy task. When everyone offers the same end product, what can you do to not only retain your clients, but also attract new ones? What sets your agency apart from the one down the street? Your Secret Weapon The answer is you. You are the one thing the competition does not have. Your ability to connect and build rapport with your clients will not only ensure loyalty, but will also get you more referrals. The way to do this is to focus our attention on the prospect. What is important to them and what do they need from us? We need to become…
  • Price Comparison in the U.S. Insurance Space: Apocalypse or Opportunity?

    Jason Hulott
    22 May 2015 | 5:31 am
    In the US, there has been a new development in the online insurance space, namely price comparison sites – Google Compare being clearly the largest and most vocal in this arena. There is also Ccompare.com, and I would imagine a few more by the end of the year. With this has come the backlash from the broker marketplace, and more and more brokers feel that their territory is being eroded. And at first look, they could be right. But let me let you all in on a secret. Insurance price comparison did not start its life in the US in 2014. It started in the UK, in 1997. The UK price comparison…
  • How to Leverage Health Insurance in a Property/Casualty Agency – Interview with Bob Fee

    Ryan Hanley
    21 May 2015 | 10:29 am
    Are you leveraging health insurance in your property/casualty insurance agency? Join us as Bob Fee, National Director for the Independent Insurance Agents and Brokers of America, explains how property/casualty insurance agencies can leverage health insurance to grow their business. Bob Fee is also the president and COO of Fee Insurance, an independent agency in Kansas. Our chat today with Bob Fee is another fantastic episode of our Insurance Industry Interview Series. Watch the video interview or read the transcript below: Interview Transcript: Marty: Marty Agather here at the 2015…
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