Insurance

  • Most Topular Stories

  • A New Way to Think About Life Insurance

    Home Insurance Blog
    Arthur Murray
    13 Nov 2014 | 8:06 am
    Who needs life insurance? You almost certainly do, even if you don’t have a family. Yet. Yes, most people think of life insurance as something to leave behind after dying – something that takes care of dependent family members. They look at it, and rightfully so, as a replacement for the income that won’t be coming in to a household. But there’s another way to look at life insurance, too. Consider it as a form of home insurance. Not like traditional home insurance, which is designed to help a policyholder in case of losses from fire, wind, hail, theft and other perils. But…
  • Can All Ontario Drivers Expect Cheaper Car Insurance?

    Kanetix Finance
    26 Nov 2014 | 9:00 pm
    Many Ontario drivers can expect to see a 15% decrease the in the cost of auto insurance. Not all drivers will be treated as equals - but what about you?
  • Important Health Insurance Information for Travelers

    Go Health Insurance Blog
    GoHealth
    24 Nov 2014 | 9:16 am
    At GoHealth, we are always stressing the importance of getting coverage. You never want to find yourself in a situation where you need health insurance when you don’t have it. If you’re a regular traveler, it’s especially important for you to choose your coverage carefully. You don’t want to be thousands – or even hundreds – of miles from home and face an unexpected illness or injury without health insurance. If you do, you’ll be faced with incredibly costly medical bills with no coverage in sight.  While you are most likely to pick a health plan that fits your immediate,…
  • 0.8% hike is set for Wash. workers' comp advisory rates

    PCI SmartBrief
    26 Nov 2014 | 5:15 am
    Washington's Department of Labor and Industries cited the strong financial performance of the workers' compensation system in -More- 
  • China Life Insurance (LFC) in Focus: Stock Adds 9.3% in Session

    INSURANCE - Yahoo News Search Results
    28 Nov 2014 | 4:45 am
    China Life Insurance (LFC) was a big mover last session, with shares rising over 9% on the day.
 
 
 
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    California Personal Injury and Insurance Blog

  • Do NOT sign any papers

    steinlaw
    28 Nov 2014 | 12:15 pm
    If I had my way, I would write it this way: DO NOT SIGN ANY PAPERS! I have said this before, and I say it again: DO NOT SIGN ANY PAPERS! Seriously. This is a huge issue. Put yourself in...
  • Call the adjuster, don't take the adjuster's calls

    steinlaw
    27 Nov 2014 | 12:07 pm
    Adjusters like to call you. Why? Well, there are numerous reasons. First, when they are negotiating, they believe they have more power if they call you. There was some study done on negotiating years ago that seemed to support this...
  • Short and simple - be pleasant

    steinlaw
    26 Nov 2014 | 12:02 pm
    This may be the shortest post I will write on this blog, but here goes. The insurance adjuster is not your friend. However, the adjuster is a person and you should treat him or her that way. Even when I...
  • Do NOT talk to the other driver

    steinlaw
    25 Nov 2014 | 11:40 am
    It is everyone's instinct to want to talk to the driver of the other car. Maybe you want to apologize. Maybe you want to ask them what they were thinking when they ran a red light. Maybe you just want...
  • Go to the doctor after a car accident

    steinlaw
    24 Nov 2014 | 11:05 am
    I wish everyone would do this. When you are involved in a car accident, or any event that causes a release of adrenaline, you are not going to feel pain immediately. At least, not everyone will feel pain right away....
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    Specialty Insurance Blog

  • Small Business: Hacker Target

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

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

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

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

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

  • Age UK Car Insurance – Over 50s

    HomeApproved
    28 Nov 2014 | 2:14 pm
    Age UK Car Insurance is designed specifically for the over 50s. With no upper age limit http://ow.ly/F3mt8 #homeapprovedFiled under: Car Insurance, HomeApproved, Insurance Marketing, Senior Drivers Tagged: senior car insurance
  • 6 ways Knight Rider predicted the future

    HomeApproved
    21 Nov 2014 | 12:35 am
    6 ways Knight Rider predicted the future – hi-tech found in many cars on the road today! http://ow.ly/EE7yWFiled under: Black Box, Connected Car Insurance, Electric Vehicles, Entertainment, General Car, Vehicle Technology Tagged: vehicle technology
  • 50 years of drink-driving adverts

    HomeApproved
    17 Nov 2014 | 12:55 am
    50 years of drink-driving adverts http://ow.ly/Ent31Filed under: Car Safety, General Car, Motoring Law, New Drivers, Safe Driving, Young Drivers Tagged: drink driving
  • Is your connected car spying on you?

    HomeApproved
    7 Nov 2014 | 3:47 am
    Is your connected car spying on you? http://ow.ly/DXF9F #carinsuranceFiled under: Black Box, Connected Car Insurance, General Car, HomeApproved, Vehicle Technology Tagged: Connected Cars
  • We are not condemned to a future of congestion!

    HomeApproved
    4 Nov 2014 | 4:01 am
    We are not condemned to a future of congestion, accidents and time wasting http://ow.ly/DN0SKFiled under: Environmental, General Car, Vehicle Technology Tagged: Vehicle Congestion
 
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    Work Comp Roundup

  • Alabama Employer Cited for Workplace Safety Exposures

    Kori Shafer-Stack
    28 Nov 2014 | 5:30 am
    Not keeping workers safe on the job has cost one Alabama employer some significant money.   Wayne Farms LLC, which makes products under brand names Dutch Quality House and Platinum Harvest, has been cited by the U.S. Department of Labor’s Occupational Safety and Health Administration for exposing workers to dangerous machinery, fall and musculoskeletal disorder hazards.   OSHA issued 11 citations to the poultry processing plant in Jack, including nine serious, one repeat and one other-than serious violation. The investigation was initiated after the agency received a complaint…
  • Ohio BWC Board Backs New Rule

    Kori Shafer-Stack
    27 Nov 2014 | 5:30 am
    Things look to be changing in Ohio when it comes to workers compensation and caring for injured employees.   A new rule approved recently by the Ohio Bureau of Workers Compensation (BWC) Board of Directors allows BWC to provide care to injured workers more quickly following an injury. The first fill rule will ensure that injured workers receive necessary medications while the future of their claims is being determined.   “This new rule is significant for injured workers in Ohio, especially those who do not have health insurance or are otherwise unable to foot the bill while…
  • OSHA Imposes $1M Fine, 2 Workers Die in Mine

    Kori Shafer-Stack
    26 Nov 2014 | 5:30 am
    A fine of more than $1 million was recently delivered to a mine owner following two fatalities.   The U.S. Department of Labor’s Mine Safety and Health Administration announced that it has imposed a fine of $1,077,800 following its investigation into the deaths of two miners at Revenue Mine on Nov. 17, 2013. The underground silver ore mine, located in Ouray County, Colorado, was operated by Star Mine Operations LLC.   Around 2 p.m. on the day before the accident occurred, approximately 1,600 pounds of deteriorated explosives were detonated underground in an open air blast. Crew…
  • Ohio Man Caught on Video Faking Workplace Injury

    Kori Shafer-Stack
    25 Nov 2014 | 5:30 am
    They say the video never lies.   A Cleveland (Cuyahoga County) man was placed on probation for a year and ordered to perform 80 hours of community service for filing a false workers compensation claim against his employer.   Glenn Jones pleaded guilty and was sentenced recently in Cleveland Municipal Court on one count of workers comp fraud, a first-degree misdemeanor.   The employer’s employer’s security video reveals that Jones stomped a hole in a wooden floor the night before he said he was injured and on the following day, lowered his foot into the floor and…
  • British Employer Fined, Worker Has Ankle Crushed

    Kori Shafer-Stack
    21 Nov 2014 | 5:30 am
    A Loughborough, Great Britain employer was recently fined for safety breaches after an employee’s ankle was crushed by a woodworking machine.   The 46-year-old man, who has asked not to be named, was trying to flush lubricant through the grease unit on the machine at Advance Display Ltd when the incident happened on Jan. 28, 2013.   He had one foot on the floor and the other on a base plate of the computer-controlled machine, which puts patterns in wood placed on a large moving bed.   He asked a colleague to turn the machine on and as it had already been programmed, it…
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    Colorado Health Insurance Insider

  • Healthblawg has a great Health Wonk Review

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

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

    Louise
    10 Nov 2014 | 10:57 am
    Last Friday, the Supreme Court announced that they would hear King v. Burwell.  That case is essentially the same as Halbig v. Burwell, and the two cases have been wending their way through the court system for quite a while.  The crux of their argument is that the ACA only authorizes the government to give […] The post Subsidies safe from King v Burwell in Colorado appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Election week musings from the Health Wonks Burwell v Hobby Lobby…
  • Election week musings from the Health Wonks

    Louise
    8 Nov 2014 | 6:04 pm
    In case you missed the Health Wonk Review this week, now’s your chance to catch up on some weekend reading.  Jennifer Salopek hosted this week at Wing of Zock, and it’s an excellent round-up. It’s the election week edition of the HWR, and Joe Paduda’s post looks into the implications for healthcare reform under a […] The post Election week musings from the Health Wonks appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Ask Your Agent if This is a “Push…
  • How to calculate ACA MAGI or “household income” for subsidies

    Louise
    5 Nov 2014 | 7:34 am
    We talk a lot around here about the subsidies provided by the ACA.  In Colorado, people with household incomes up to 138% of poverty (133% plus the built-in 5% income disregard) are eligible for Medicaid.  If your household income is between 138% and 400% of poverty, you qualify for a subsidy to help cover the […] The post How to calculate ACA MAGI or “household income” for subsidies appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Premium Subsidies And Cost-Sharing…
 
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    Home Insurance Blog

  • Happy Thanksgiving, From HomeInsurance.com

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

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

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

    Arthur Murray
    13 Nov 2014 | 8:06 am
    Who needs life insurance? You almost certainly do, even if you don’t have a family. Yet. Yes, most people think of life insurance as something to leave behind after dying – something that takes care of dependent family members. They look at it, and rightfully so, as a replacement for the income that won’t be coming in to a household. But there’s another way to look at life insurance, too. Consider it as a form of home insurance. Not like traditional home insurance, which is designed to help a policyholder in case of losses from fire, wind, hail, theft and other perils. But…
  • How to Prevent Frozen Pipes in Your Home

    Samantha Alexander
    10 Nov 2014 | 10:32 am
    Want to know the perfect recipe for ruining your holiday season? No, it’s not the Grinch – its frozen pipes in your home. Why? Because frozen pipes can become burst pipes, and that can lead to expensive water damage and other headaches. Still not convinced? Water damage and freezing accounted for more than 17% of home insurance losses in 2012, according to the Insurance Information Institute. The average claim? Nearly $7,200. Sure, standard home insurance policies provide coverage for pipe bursts but that doesn’t mean you want one showing up to your big annual Christmas party. Aside…
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    Insurance Law Hawaii

  • Coverage for Additional Insured Not Limited to Vicarious Liability of Named Insured

    Tred Eyerly
    25 Nov 2014 | 2:01 am
       The insurer unsuccessfully moved for reconsideration of the court's holding that additional insured coverage was not limited to vicarious liability of the named insured. First Mercury Ins. Co. v. Shawmut Wood-Working & Supply, Inc., 2014 U.S. Dist. LEXIS 155095 (D. Conn. Oct. 31, 2014)    The additional insured endorsement provided coverage for liability for "bodily injury" caused, in whole or in part, by:(1) the insured subcontractor's acts or omissions; or (2) the acts or omissions of those acting on the insured's behalf in the performance of the…
  • On Rehearing, Fifth Circuit Finds Contractual-Liability Exclusion Does Not Apply

    Tred Eyerly
    19 Nov 2014 | 2:01 am
       On rehearing, the Fifth Circuit determined that the contractual-liability exclusion did not apply to bar coverage for damage caused by the insured contractor to the home it constructed. Crownover v. Mid-Continent Cas. Co., 2014 U.S. App. LEXIS 20727 (5th Cir. Oct. 29, 2014).The court withdrew its prior opinion, summarized here.    Arrow Development, Inc. contracted with the Crownovers to construct a home. The contract had a warranty-to-repair clause, which, in paragraph 23.1, provided that Arrow would "promptly correct work . . . failing to confirm to the requirements of the…
  • Pollution Created by Business Does Not Deprive Insured of Coverage

    Tred Eyerly
    17 Nov 2014 | 2:01 am
       The federal district court determined that coverage was properly denied under the pollution exclusion of the policies.  Headwaters Resources, Inc. v. Illinois Union Ins. Co., 2014 U.S. App. LEXIS 20060 (10th Cir. Oct. 20, 2014).    Over 400 residents of Chesapeake, Virginia, filed two lawsuits against the insured, Headwaters, alleged property damage and bodily injury due to pollution generated in connection with the development of a golf course. The complaints alleged that between 2002 and 2007, the defendants used 1.5 million tons of toxic fly ash during construction of a golf…
  • Denial of Coverage for Bulge in Wall Upheld

    Tred Eyerly
    12 Nov 2014 | 2:01 am
       The insurer properly denied coverage for a bulge in a warehouse wall that the insured claimed was caused by Hurricane Ike. Russell v. Scottsdale Ins. Co., 2014 U.S. Dist. LEXIS 143882 (S.D. Tex. Sept. 30, 2014).    Hurricane Ike displaced metal roof coverings on the insured's warehouse, causing interior water damage to several rooms. Scottsdale eventually paid $84,820.36 for the loss of the roof, less the deductible. The parties disagreed on whether a horizontal bulge on the north wall of the warehouse was also caused by the hurricane. The bulging portion of the wall was not…
  • Flood Coverage Denied Based on Failure to Submit Proof of Loss

    Tred Eyerly
    10 Nov 2014 | 2:01 am
       The court granted summary judgment to the insurer because the insureds submitted only documentation of damage by flood, not proof of loss forms required by the policy. Alexander v. Allstate Ins. Co., 2014 U.S. Dist. LEXIS 143284 (E.D. La. Oct. 8, 2014).    Hurricane Isaac caused flood damaged to the insureds' home. A claim was filed for flood damage under their Standard Flood Insurance Policy issued by Allstate. An independent adjuster estimated that building repairs would be $50,025. Allstate also prepared a contents loss estimate of $22,655 based on a personal property list…
 
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    WordPress Tag: Auto Insurance

  • BEST LOCAL INSURANCE SERVICE SAN DIEGO - BASEPOINT INSURANCE SERVICES

    bestlocalcom
    11 Nov 2014 | 1:25 pm
    BasePoint Insurance Services is an independent insurance agency providing personal insurance to the
  • Tips To Understanding The Important Details Of Auto Insurance

    targetup2014
    11 Nov 2014 | 11:28 am
    TIP! Cutting back on the miles driven a year could make your monthly insurance go down. A lot of insurance companies lower your premium when you drive less. Auto insurance is vital for all drivers. With the plethora of options, finding the right plan can be a challenge. Read on for some tips on finding auto insurance that fits your needs and your budget. Cut back on the number of miles you drive every year and you’ll cut down on the insurance bill. Premiums may be greatly reduced simply by driving less. TIP! Insurance policy coverage is strictly for the driver for whom the policy is…
  • How to Avoid Insurance Scams

    brilliantinsurance
    11 Nov 2014 | 11:16 am
    Most of us are hardworking honest people, who are building strong businesses and are productive members of our community. Unfortunately, there are a few people who try to take advantage of us and we need to be educated on what to watch for. Fraud, including insurance scams, is the second-most burdensome financial crime in the United States. Tax evasion is number one. Here are a few of the most common scams: Forced Rear-ending – Typically, the scammer will slow down or come to a stop in busy traffic, or swoop in front of the victim at an intersection or an on-ramp, causing the driver to…
  • BEST LOCAL AUTO INSURANCE PORTLAND - PEGGY ROMERO

    bestlocalcom
    11 Nov 2014 | 10:06 am
    If you’re looking for Portland car insurance, or you wish to review your current auto insuranc
  • Your Auto Limits Have Just Been Used Up… Is That Even Possible?

    tonyins2014
    10 Nov 2014 | 11:10 am
    California Auto Insurance Minimum Requirements Financial responsibility (commonly known as insurance) is required on all vehicles operated or parked on California roadways. You must carry evidence of financial responsibility in your vehicle at all times and it must be provided. These numbers represent different limits on your policy. If you have limits on your auto policy of 15/30/5, it means you have $15,000 per person, $30,000 per accident and $5,000 property damage limits. If you cause an accident, your insurance will provide payments up to those limits to the other person(s) for the…
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  • That baby's net worth may be over $1 billion

    28 Nov 2014 | 4:35 pm
    That baby's net worth may be over $1 billion AOL OriginalsJim Pallotta came from humble beginnings, but he's an investor and president of AS Roma now.How the last two years have been different More from 'Win/Win' Matt Harvey and Jim NelsonJoe Haden and Greg Selkoe
  • Judge makes decision on Ray Rice's appeal

    28 Nov 2014 | 4:35 pm
    Judge makes decision on Ray Rice's appealGettyEarlier this month, the football player appealed the NFL's decision to indefinitely suspend him after a domestic abuse video went public. Ruling that the judge issued More newsOhio State football player missingStar cricketer dead at 25
  • Report: RGIII won't be with 'Skins in '15

    28 Nov 2014 | 4:35 pm
    Report: RGIII won't be with 'Skins in '15APWashington quarterback Robert Griffin III is 'highly unlikely' to return to the team next season, according to a report.Reason for probable divorceMore gridiron newsNFC West is wide open 49ers show off 'Field of Jeans'
  • Pup devastates handler at top dog show

    28 Nov 2014 | 4:35 pm
    Pup devastates handler at top dog showGetty/VineCanine lovers who settled in to watch the 2014 National Dog Show on Thursday got a big surprise from this miniature pinscher.Move that had 'mom' in tearsMore to seeDog who took the top prizeThe NBA's biggest turkeys
  • Officials reveal the identity of Austin shooter

    28 Nov 2014 | 4:35 pm
    Officials reveal the identity of Austin shooter APA lone gunman fired more than 100 rounds in an attack that hit the Mexican consulate, courthouse, and police headquarters Friday.Mystery baffling investigators More in the newsGirl, 14, faces poisoning chargeDemocratic Party tension boils
 
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  • That baby's net worth may be over $1 billion

    28 Nov 2014 | 4:35 pm
    That baby's net worth may be over $1 billion AOL OriginalsJim Pallotta came from humble beginnings, but he's an investor and president of AS Roma now.How the last two years have been different More from 'Win/Win' Matt Harvey and Jim NelsonJoe Haden and Greg Selkoe
  • Judge makes decision on Ray Rice's appeal

    28 Nov 2014 | 4:35 pm
    Judge makes decision on Ray Rice's appealGettyEarlier this month, the football player appealed the NFL's decision to indefinitely suspend him after a domestic abuse video went public. Ruling that the judge issued More newsOhio State football player missingStar cricketer dead at 25
  • Report: RGIII won't be with 'Skins in '15

    28 Nov 2014 | 4:35 pm
    Report: RGIII won't be with 'Skins in '15APWashington quarterback Robert Griffin III is 'highly unlikely' to return to the team next season, according to a report.Reason for probable divorceMore gridiron newsNFC West is wide open 49ers show off 'Field of Jeans'
  • Pup devastates handler at top dog show

    28 Nov 2014 | 4:35 pm
    Pup devastates handler at top dog showGetty/VineCanine lovers who settled in to watch the 2014 National Dog Show on Thursday got a big surprise from this miniature pinscher.Move that had 'mom' in tearsMore to seeDog who took the top prizeThe NBA's biggest turkeys
  • Officials reveal the identity of Austin shooter

    28 Nov 2014 | 4:35 pm
    Officials reveal the identity of Austin shooter APA lone gunman fired more than 100 rounds in an attack that hit the Mexican consulate, courthouse, and police headquarters Friday.Mystery baffling investigators More in the newsGirl, 14, faces poisoning chargeDemocratic Party tension boils
  • add this feed to my.Alltop

  • That baby's net worth may be over $1 billion

    28 Nov 2014 | 4:35 pm
    That baby's net worth may be over $1 billion AOL OriginalsJim Pallotta came from humble beginnings, but he's an investor and president of AS Roma now.How the last two years have been different More from 'Win/Win' Matt Harvey and Jim NelsonJoe Haden and Greg Selkoe
  • Judge makes decision on Ray Rice's appeal

    28 Nov 2014 | 4:35 pm
    Judge makes decision on Ray Rice's appealGettyEarlier this month, the football player appealed the NFL's decision to indefinitely suspend him after a domestic abuse video went public. Ruling that the judge issued More newsOhio State football player missingStar cricketer dead at 25
  • Report: RGIII won't be with 'Skins in '15

    28 Nov 2014 | 4:35 pm
    Report: RGIII won't be with 'Skins in '15APWashington quarterback Robert Griffin III is 'highly unlikely' to return to the team next season, according to a report.Reason for probable divorceMore gridiron newsNFC West is wide open 49ers show off 'Field of Jeans'
  • Pup devastates handler at top dog show

    28 Nov 2014 | 4:35 pm
    Pup devastates handler at top dog showGetty/VineCanine lovers who settled in to watch the 2014 National Dog Show on Thursday got a big surprise from this miniature pinscher.Move that had 'mom' in tearsMore to seeDog who took the top prizeThe NBA's biggest turkeys
  • Officials reveal the identity of Austin shooter

    28 Nov 2014 | 4:35 pm
    Officials reveal the identity of Austin shooter APA lone gunman fired more than 100 rounds in an attack that hit the Mexican consulate, courthouse, and police headquarters Friday.Mystery baffling investigators More in the newsGirl, 14, faces poisoning chargeDemocratic Party tension boils
  • add this feed to my.Alltop

  • That baby's net worth may be over $1 billion

    28 Nov 2014 | 4:35 pm
    That baby's net worth may be over $1 billion AOL OriginalsJim Pallotta came from humble beginnings, but he's an investor and president of AS Roma now.How the last two years have been different More from 'Win/Win' Matt Harvey and Jim NelsonJoe Haden and Greg Selkoe
  • Judge makes decision on Ray Rice's appeal

    28 Nov 2014 | 4:35 pm
    Judge makes decision on Ray Rice's appealGettyEarlier this month, the football player appealed the NFL's decision to indefinitely suspend him after a domestic abuse video went public. Ruling that the judge issued More newsOhio State football player missingStar cricketer dead at 25
  • Report: RGIII won't be with 'Skins in '15

    28 Nov 2014 | 4:35 pm
    Report: RGIII won't be with 'Skins in '15APWashington quarterback Robert Griffin III is 'highly unlikely' to return to the team next season, according to a report.Reason for probable divorceMore gridiron newsNFC West is wide open 49ers show off 'Field of Jeans'
  • Pup devastates handler at top dog show

    28 Nov 2014 | 4:35 pm
    Pup devastates handler at top dog showGetty/VineCanine lovers who settled in to watch the 2014 National Dog Show on Thursday got a big surprise from this miniature pinscher.Move that had 'mom' in tearsMore to seeDog who took the top prizeThe NBA's biggest turkeys
  • Officials reveal the identity of Austin shooter

    28 Nov 2014 | 4:35 pm
    Officials reveal the identity of Austin shooter APA lone gunman fired more than 100 rounds in an attack that hit the Mexican consulate, courthouse, and police headquarters Friday.Mystery baffling investigators More in the newsGirl, 14, faces poisoning chargeDemocratic Party tension boils
 
  • add this feed to my.Alltop

  • That baby's net worth may be over $1 billion

    28 Nov 2014 | 4:35 pm
    That baby's net worth may be over $1 billion AOL OriginalsJim Pallotta came from humble beginnings, but he's an investor and president of AS Roma now.How the last two years have been different More from 'Win/Win' Matt Harvey and Jim NelsonJoe Haden and Greg Selkoe
  • Judge makes decision on Ray Rice's appeal

    28 Nov 2014 | 4:35 pm
    Judge makes decision on Ray Rice's appealGettyEarlier this month, the football player appealed the NFL's decision to indefinitely suspend him after a domestic abuse video went public. Ruling that the judge issued More newsOhio State football player missingStar cricketer dead at 25
  • Report: RGIII won't be with 'Skins in '15

    28 Nov 2014 | 4:35 pm
    Report: RGIII won't be with 'Skins in '15APWashington quarterback Robert Griffin III is 'highly unlikely' to return to the team next season, according to a report.Reason for probable divorceMore gridiron newsNFC West is wide open 49ers show off 'Field of Jeans'
  • Pup devastates handler at top dog show

    28 Nov 2014 | 4:35 pm
    Pup devastates handler at top dog showGetty/VineCanine lovers who settled in to watch the 2014 National Dog Show on Thursday got a big surprise from this miniature pinscher.Move that had 'mom' in tearsMore to seeDog who took the top prizeThe NBA's biggest turkeys
  • Officials reveal the identity of Austin shooter

    28 Nov 2014 | 4:35 pm
    Officials reveal the identity of Austin shooter APA lone gunman fired more than 100 rounds in an attack that hit the Mexican consulate, courthouse, and police headquarters Friday.Mystery baffling investigators More in the newsGirl, 14, faces poisoning chargeDemocratic Party tension boils
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    Artemis.bm - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management Blog

  • Blue Capital Global Reinsurance Fund adds $21.2m

    Artemis
    28 Nov 2014 | 7:23 am
    The London and Bermuda listed, reinsurance and insurance linked investment Blue Capital Global Reinsurance Fund, has successfully raised $21.2m in its latest share placement, taking its total share capital to just over $217m. The Blue Capital Global Reinsurance Fund is a listed ILS fund run by investment manager Blue Capital Management, a subsidiary of Bermudian reinsurance firm Montpelier Re. Blue Capital launched its latest share offering for the fund just over a week ago, hoping to raise some additional capital in time for the January reinsurance renewal season. The additional $21.2m…
  • Innovation a theme at recent Bermuda ILS & reinsurance events

    Artemis
    28 Nov 2014 | 6:17 am
    Executives speaking on the sidelines of the 2014 S&P PwC Bermuda Reinsurance Conference and the ILS Bermuda Convergence 2014 events earlier this month, stressed that innovation is vital to transition through the current reinsurance market challenges. Reinsurance and insurance-linked securities executives had shared views of the market’s future and the challenges that lie ahead, with both sides being clear that the need to innovate is now becoming a necessity and that sitting back hoping that you will survive the structural change that is being witnessed is not an option anymore. A…
  • Asian countries continue to develop catastrophe re/insurance markets

    Artemis
    28 Nov 2014 | 2:28 am
    Countries across Asia continue to develop, or pursue the development of, functioning catastrophe insurance and reinsurance markets, which is a positive sign for global reinsurers and the insurance-linked securities (ILS) market. Countries across Asia are some of the most natural disaster exposed in the world, but at the same time have very low insurance penetration, meaning that development of catastrophe insurance and reinsurance markets has been slow. But there are now signs that things are accelerating in the region, helped by the increasing interest of the global reinsurance players and…
  • ILS funds see slightly above average 0.61% return for October

    Artemis
    28 Nov 2014 | 12:43 am
    Insurance-linked securities (ILS), reinsurance linked investment and pure catastrophe bond funds returned an average of 0.61% for the month of October, which is slightly above the long-term average, strong performance in the currently low-rate environment. Above average performance in the ILS space is largely testament to three things. ILS fund managers continued ability to source quality and well-priced business, particularly in the collateralized reinsurance and private ILS deals space, the continued low-level of catastrophe losses, as well as catastrophe bond prices which remain largely…
  • Buffalo snow claims could hit catastrophe reinsurance treaties: A.M. Best

    Artemis
    27 Nov 2014 | 4:08 am
    The recent severe snowstorm in the Buffalo, New York state area, could cause losses at some regional property insurance writers to the extent that it hits the retention on their catastrophe reinsurance treaties, according to A.M. Best. No estimates of insured losses are currently available for the Buffalo snowstorm that hit the region just a few days ago. The snowstorm on the 20th and 21st of November was caused by polar winds blowing over the Great Lakes which are still warm and free of ice. The result can be a conveyor belt of snow that just keeps coming, as evidenced by the massive dumps…
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    GCCapitalIdeas.com

  • Week’s Top Stories: November 22 — 28, 2014

    GC Editor
    28 Nov 2014 | 4:00 am
    Modeling Terrorism: Modeling methodologies for terrorism have been continually refined and updated since the three major modeling companies - AIR Worldwide (AIR), EQECAT and Risk Management Solutions... Continue reading...
  • GC Capital Tip: Print-Friendly

    GC Editor
    26 Nov 2014 | 9:00 pm
    Take GC Capital Ideas with you on the train in the morning, or bring a copy of an article to a colleague. With the print-friendly feature, you can print articles in a format that are easy to read and... Continue reading...
  • Emerging Risk: AIR US Terrorism Model

    GC Editor
    25 Nov 2014 | 9:00 pm
    AIR implemented significant model updates in version 13 of CLASIC/2TM, released in 2011. The updates impacted hazard components such as the target and landmark database, event frequency estimates and... Continue reading...
  • Emerging Risk: Commercial Terrorism Models

    GC Editor
    24 Nov 2014 | 9:00 pm
    The catastrophe modeling companies have regularly updated their terrorism models over the years to reflect the changing threat landscape and help (re)insurers and other market participants perform... Continue reading...
  • Modeling Terrorism

    GC Editor
    23 Nov 2014 | 9:00 pm
    Modeling methodologies for terrorism have been continually refined and updated since the three major modeling companies - AIR Worldwide (AIR), EQECAT and Risk Management Solutions (RMS) - released... Continue reading...
 
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    Free Insurance Magazines and Downloads from alltop.tradepub.com

  • The Thriving Malware Industry: Cybercrime Made Easy

    12 Nov 2014 | 12:00 am
    In today's virtual world, the scope of organizations vulnerable to malware-driven cybercrime is quite broad. In addition to banks and credit unions that are subject to online banking fraud, financial fraud can be perpetrated on insurance companies, payment services, large e-commerce companies, airlines and many others.Request Free!
  • Cloud Computing and Solvency II

    28 Aug 2014 | 12:00 am
    IBM survey shows how cloud is forming a part of insurers' Solvency II strategy.Request Free!
  • How to Streamline Your Practice with Medical Management Software

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

    1 Jul 2014 | 12:20 am
    Retirement Advisor is at the intersection where insurance and investments meet, and it's a place where many of today's most successful advisors are taking their practices. Since 2008, it has been an emphasis in our editorial mission to focus on and champion dual-licensed advisors.Request Free!
  • Using Medical Billing Services To Streamline Your Practice

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

  • Helpful Thanksgiving ICD-10 Codes

    27 Nov 2014 | 5:30 am
    As co-blogger Kelley last mentioned a couple of months ago, the "new and improved" ICD-10 codes are on the way (maybe). And just in time, too; the folks at Health Data Management have helpfully compiled a list of handy dandy ICD-10 codes specifically geared for Thanksgiving:"Ah, the turkey is roasting and the potatoes are boiling. And Cousin Carl just chopped the end of his finger off while preparing the veggie tray."Click through for the whole list.And Happy Thanksgiving to you and yours![Hat Tip: FoIB Dr Rob]Original content copyright © InsureBlog
  • "I forgot"

    26 Nov 2014 | 10:30 am
    It's hard to beat this Steve Martin excuse:"You.. can be a millionaire.. and never pay taxes! You can be a millionaire.. and never pay taxes! You say.. "Steve.. how can I be a millionaire.. and never pay taxes?" First.. get a million dollars. Now.. you say, "Steve.. what do I say to the tax man when he comes to my door and says, 'You.. have never paid taxes'?" Two simple words. Two simple words in the English language: "I forgot!"Funny, but what does this have to do with insurance?Glad you asked.The folks at LifeHealthPro have complied a list of the 5 best excuses one might use to duck the…
  • Cavalcade of Risk #222: Gratefully risky

    26 Nov 2014 | 5:50 am
    Van Mayhall hosts the pre-Thanksgiving round-up of risk-related posts. As usual,Van does a terrific job of tying together seemingly unrelated items, providing a fantastic narrative.Thanks, Van! Original content copyright © InsureBlog
  • Sprechen sie Deutsch?

    25 Nov 2014 | 3:12 pm
    More proposed Obamacare rules to improved the customer experience.The Centers for Medicare & Medicaid Services Nov. 21 issued a massive 324-page notice of proposed rulemaking aimed at improving the consumer experience in the health insurance marketplace by increasing pricing and plan transparency and making information more accessible to consumers, among other changes.Key among the controversial proposals is the requirement that all exchanges, qualified health plan insurers, and Web-based brokers and agents provide telephonic interpreter services in at least 150 languages. That…
  • Hunh: CCC's no more

    25 Nov 2014 | 11:31 am
    Had a "d'oh!" moment when I received this in email:"[G]eneration of HIPAA Certificates of Creditable Coverage (CoCC) upon member termination will no longer be necessary because the pre-existing condition limitations are fully eliminated in 2015."Since 1997, group plans have had to issue Certificates of Creditable Coverage when a covered employee (and/or dependent) dropped off. They were essentially "hall passes" to the next group plan, so that one wasn't subject to pre-existing condition limitations.[ed: Contrary to popular belief, they were of no avail when moving from group to individual…
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    Workers Comp Insider

  • Freshly posted at HealthBlawg - Health Wonk Review: The Turkey Edition

    Julie Ferguson
    20 Nov 2014 | 5:52 am
    Check out a freshly posted Health Wonk Review: The Turkey Edition at HealthBlawg. David Harlow hosts and it is chock full of good content and some fun seasonal links to boot - mosey on over to take a gander, pilgrim!...
  • Ex Massey CEO Don Blankenship Indicted Over UBB Mining Disaster

    Julie Ferguson
    14 Nov 2014 | 6:51 am
    Keeping two sets of books has come to be the cliche for fraud and deceit. You expect it to be confined to the realm of cartoon villains, but it was one of many damning indicators reported to inspectors during a more than four-year investigation into circumstances surrounding the mining disaster that claimed 29 lives at the Massey-owned Upper Big Branch...
  • Cavalcade of Risk & Other Notable News

    Julie Ferguson
    13 Nov 2014 | 5:58 am
    Cavalcade Of Risk #221,: Birds of a Feather - Claire Wilkinson of Terms + Conditions hosts this weeks' biweekly roundup, and it's a good one! First up: Peril, and Daring, at 1 World Trade Center as Window Washers Are Trapped - Dramatic photos and reports of yesterday's rescue via the New York Times. Today's report: Workers Rescued From Dangling Scaffolding...
  • Veterans Day 2014 - Hire a Vet

    Julie Ferguson
    11 Nov 2014 | 9:05 am
    Veterans Employment Toolkit "...to help employers, managers and supervisors, human resource professionals, and employee assistance program (EAP) providers relate to and support their employees who are Veterans and members of the Reserve and National Guard. In this toolkit, you can learn about Veterans and the military, such as what Veterans bring to the workplace and what the military structure...
  • High Voltage Cable Inspection

    Julie Ferguson
    7 Nov 2014 | 6:29 am
    Here's a fascinating clip on high voltage cable inspection, which the poster says is "not a job for a hot duck." For more information on the clip, see the description under the video at YouTube. If you're thinking of this as a possible career path, see The Salary of a High Voltage Cable Inspector. But be aware that robots may...
 
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    Managed Care Matters

  • Thanks for…

    Joe Paduda
    26 Nov 2014 | 7:07 am
    I wanted to do a post on all the things work-related I’m thankful for – but there aren’t enough pixels to include them all. So, here are the top few. Most of the people in the work comp industry are committed to doing the right thing. Whether it’s getting injured workers the best care possible along with their indemnity checks, paying good docs fast and well, or helping employers lower their costs and increase productivity, the folks who do the work (mostly) do it well and diligently. I’d like to single out a few organizations, jobs, and people: Medical directors…
  • Leaving Las Vegas

    Joe Paduda
    21 Nov 2014 | 12:38 pm
    Quick takes from the blur that was NWCDC. MedRisk’s Restore presentation was sitting-room-only; the company’s new venture is a comprehensive approach to managing delayed RTW – Restore targets all factors including psychosocial issues and involves comprehensive physical therapy, opioid-withdrawal management, and delayed recovery treatment.  (yes, MedRisk is a client) Heard former Coventry CEO David Young is back in the game as CFO of a new venture with an old name – Occusystem.  No details available yet… Speaking of Coventry, stopped into their booth yesterday…
  • Size isn’t all that.

    Joe Paduda
    20 Nov 2014 | 5:51 am
    The work comp services market is bifurcating. The big are getting (much) bigger, the $100-$250 million companies morphing into giants as they merge together or are acquired by private equity backed firms. Meanwhile a whole host of new entrants are appearing – more on that in a minute. Much of this has been rather mysterious to most. A good bit of light will be shed on the big-getting-bigger phenomenon today in a session at the NWCDC. I’ll be moderating a panel of three eminent investment executives tasked with explaining the whys and hows and whats; it kicks off at 10:45.
  • Comp conference day 1

    Joe Paduda
    19 Nov 2014 | 5:38 am
    The first day is more ease-into-it than jump-in-with-both-feet. For we East Coasters that’s a good thing as we can’t keep up with the late night events after waking at 3:30… One noteworthy item and a couple observations from Tuesday. The Coventry bill review RFI is out and rumor has it – it is Bill Review only. As in no other services needed. And lots and lots and lots of requirements. And the info required in a response is voluminous. There is a rather limited pool of potential respondents; as in fewer than five. The business potential, while large, is shrinking. With…
  • Women in Work Comp

    Joe Paduda
    18 Nov 2014 | 5:46 pm
    The first Women in Work Comp Forum took place today.  As Healthcare Solutions CEO Joe Boures said: “long overdue.” The good news is there was a similar meeting held a block or two away, so we’re catching up quickly. Some are focusing on the “conflict” between these two meetings, a focus that is misplaced.  Rather, it’s a good thing – two separate sets of people motivated to bring attention to an ongoing issue/opportunity.  There were about 300+ in attendance, indicating there’s a big demand… A few observations from panelists worth…
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    Insurance Industry Blog

  • Thanksgiving Crowd Control

    Claire
    26 Nov 2014 | 6:12 am
    As holiday shopping gets underway, several major retailers are opening even earlier this year offering the prospect of deep discounts and large crowds to an ever growing number of shoppers. The National Retail Federation (NRF) notes that 140 million holiday shoppers are likely to take advantage of Thanksgiving weekend deals in stores and online. Millennials are most eager to shop, with the NRF survey showing 8 in 10 (79.6 percent) of 18-24 year olds will or may shop over the weekend, the highest of any age group. Much has been written about the risks of online shopping, but for those who…
  • Uber-money, Uber-problems (or: “So a Loose Cannon Threatens To Blow up My Business. Now What…?”)

    Claire
    20 Nov 2014 | 12:26 pm
    Reputational risk is among the most challenging to insure, says I.I.I.’s VP of Communications Loretta Worters in this timely tale of Uber shenanigans: There’s no such thing as bad publicity, the old saying goes. But the publicity ridesharing company Uber is getting lately may not just harm its image, but can hurt its bottom line. And for a business valued by some at north of $50 billion, that’s a world of hurt! The latest trouble for the beleaguered rideshare titan started earlier this week when SVP of Business Emil Michael was reported by BuzzFeed to have said that the company…
  • Fitbit Data Measures More Than Just Fitness

    Claire
    17 Nov 2014 | 5:18 am
    If you know someone who leads an active lifestyle, you may already know what a Fitbit is. For everyone else, a Fitbit is a wearable device that tracks steps, calories, distance and even sleep. Now it appears data from wearable devices may be admissible in court. Forbes.com reports that a law firm in Calgary is working on the first known personal injury case that will use activity data from a Fitbit to help show the effects of an accident on their client. According to the report, the young woman in question, who used to be a personal trainer, was injured in an accident four years ago. While…
  • Cavalcade of Risk #221: Birds of a Feather

    Claire
    12 Nov 2014 | 6:15 am
    As Congress meets in its “lame duck” session, we’re delighted to host Cavalcade of Risk #221, bringing you a flock of posts from around the insurance and risk-related blogosphere. In our opener, Rubber, Road and Lyft: Insurance Crisis? Hank Stern of InsureBlog takes another look at the important topic of ride-sharing. Now that Lyft’s had its first fatality, he considers the insurance issues the service (and its drivers and customers) will face. CVS Caremark is slapping an extra co-pay on members who fill their prescriptions at stores where tobacco is sold (i.e., CVS’ competitors).
  • Report: Drones Potential Game-Changer for Insurers

    Claire
    7 Nov 2014 | 6:18 am
    Despite regulatory challenges, privacy concerns and a lack of capabilities that could stall their widespread use, drones could have a significant impact on the property/casualty industry. A recent report from IT firm Cognizant suggests that commercial and personal lines insurers that cover property risks are likely to be early adopters of drone technology. Hat tip to Claims Journal which reports on this story here. For example, a property adjuster or risk engineer could use a drone to capture details of a location or building, and obtain useful insights during claims processing or risk…
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    Go Health Insurance Blog

  • 5 Tips to Avoid Overeating on Thanksgiving

    GoHealth
    25 Nov 2014 | 11:22 pm
    When your pants are bursting after your second (or even third) helping of turkey and mashed potatoes, have you ever found yourself thinking, woefully, “Why did I eat so much?” With Thanksgiving right around the corner, we are all looking forward to the special foods that have become synonymous with the holidays. However, there are ways to enjoy the feast without also adding on the holiday pounds. Here are five tips to help you avoid overeating this Thanksgiving, while still enjoying all of the foods you love.   1. Take a seat. It may sound simple, but sitting down with your…
  • Important Health Insurance Information for Travelers

    GoHealth
    24 Nov 2014 | 9:16 am
    At GoHealth, we are always stressing the importance of getting coverage. You never want to find yourself in a situation where you need health insurance when you don’t have it. If you’re a regular traveler, it’s especially important for you to choose your coverage carefully. You don’t want to be thousands – or even hundreds – of miles from home and face an unexpected illness or injury without health insurance. If you do, you’ll be faced with incredibly costly medical bills with no coverage in sight.  While you are most likely to pick a health plan that fits your immediate,…
  • 4 Reasons Gen Xers and Millennials Need Health Insurance Now

    GoHealth
    20 Nov 2014 | 11:28 pm
    Much of the Affordable Care Act’s success arguably depends on young people participating in the health insurance conversation. Last year, 7.3 million people enrolled in coverage through exchanges, but only 24 percent of all overall submissions were by individuals ages 18 to 34. These young people might assume there’s no reason to need health insurance quite yet. However, it’s always important to plan for the future. We came up with four important reasons why Gen Xers and Millennials shouldn’t wait to enroll in coverage until they need it; instead, they should start taking…
  • GoHealth Answers the Top 6 Enrollment Questions

    GoHealth
    19 Nov 2014 | 2:15 pm
    Now that Open Enrollment has started, we know that you might have some questions. Found a plan, but not sure if you’re eligible for a tax subsidy? Have a pre-existing condition and afraid you won’t get covered? Not sure when your payment is due? Trust us: You’re not alone in wondering about these details. In an effort to help minimize your confusion, we’ve answered a few of the most-asked questions from GoHealth consumers. 1. When will my coverage become active? Your coverage will only become active once you pay your first premium. The date your coverage actually takes effect can…
  • GoHealth is Open for 2015 Open Enrollment!

    GoHealth
    18 Nov 2014 | 6:59 am
    GoHealth is officially open for business to those looking for a 2015 health plan! Now is the time to browse thousands of plans to find the one that meets your needs and fits your budget. It’s important to make sure your personal information is updated so that you receive an accurate tax subsidy estimate. Our licensed insurance advisors can help you find out if you qualify for financial assistance, and then they can apply your subsidy directly to the plan of your choice. If you’re ready to enroll, you can visit us online to complete the process – there’s no need to go anywhere…
 
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    Irish Life Blog

  • Eircom Spider Awards 2014

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

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

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

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

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

  • Surviving Black Friday Without a Body Guard

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

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

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

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

    Fran Shaw
    23 Oct 2014 | 2:02 pm
    Miller’s Insurance Agency truly values not only their clients, but their employees. This month we’re highlighting Maureen Felizzi, who’s a trusted Personal Lines Producer. Her energetic personality and ability to exceed clients’ needs makes Miller’s Insurance Agency a profound place of business. The relationship we build with our clients is of the utmost importance to us, which is why we think you’d love to learn a little more about the people who strive to take care of your needs. How did you get started working at Miller’s? “I’ve been…
 
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    Blog

  • Take Action Today--Stand With Walmart Workers!

    28 Nov 2014 | 4:00 am
    Today is Black Friday, and Walmart workers and their supporters across the country are calling on the mega-retailer to put an end to retaliation against workers who speak out for better pay and working conditions. There are several ways you can show your solidarity today and help Walmart workers get their fair share of the billions in profits the Walton family earns every year from the hard work of their employees.
  • Make a Black Friday Call to Support Walmart Workers

    26 Nov 2014 | 7:15 am
    You've definitely seen the local news stories where crowds of people swarm outside stores, fighting for the best Black Friday deals. But on this Black Friday, people are at Walmart stores across the country to fight for something else—a fair deal for Walmart workers. 
  • Support Walmart Workers

    26 Nov 2014 | 6:45 am
    Walmart. On one hand we have the Walton family—Walmart’s owners. With almost $150 billion in wealth, they are the richest family in the nation. On the other hand, we have Walmart workers, most of whom work for less than $25,000 a year. Most are women. And this Thanksgiving, more than 1 million of them have to go to work instead of spending the full day with their families. The following day—Black Friday—thousands of Walmart workers and community allies will be striking and protesting all over the country, calling on Walmart to end retaliation for workers who speak out for better…
  • Is FairPoint Offering Strikebreakers $300,000 a Year?

    26 Nov 2014 | 6:15 am
    Nearly 2,000 members of the Electrical Workers (IBEW) and Communications Workers of America (CWA) have been on strike against FairPoint Communications since Oct. 17. Now some suspect the company may be offering replacement workers more than $300,000 a year to perform the same jobs the striking workers did for less than a third of that.
  • Rhode Island Labor Movement Fought to Keep Workers at Home, Not Work on Thanksgiving

    26 Nov 2014 | 5:00 am
    By now you have seen the flood of ads. This Thanksgiving America's largest retailers are in a race to see who can open first, open earliest, or stay open latest to offer "door buster" deals on cheap TVs made in China.This is a race with no winners and only losers—the hard working men and women of some of America's most recognizable, successful, and profitable companies.
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    IFAwebnews.com | P/C insurance

  • Prime Risk appoints McKenna SVP based in New York

    IFAwebnews Staff
    13 Nov 2014 | 7:21 am
    Prime Risk Partners, an Atlanta-based national insurance distribution firm that was formed earlier this year, has hired Matthew McKenna as senior vice president. McKenna is based in Buffalo, N.Y. McKenna previously served as senior vice president, director at First Niagara Risk Management Specialty Markets. He has also worked at Macquarie Capital and Credit Suisse First Boston. Matthew McKenna The move is part of the new company’s strategy of “building a superior national insurance distribution platform through selective acquisitions, strategic new hires, and thoughtful operations,”…
  • Creedon approved as next CEO for Utica Mutual

    IFAwebnews Staff
    13 Nov 2014 | 7:00 am
    Utica Mutual Insurance Company announced that the firm’s board of directors has approved the nomination of Richard Creedon as the insurer’s next CEO when current CEO J. Douglas Robinson retires in February 2016. Utica Mutual is based in New Hartford, N.Y. Richard Creedon Creedon is currently the company’s president and chief operating officerRobinson and Creedon will work together for a seamless transition for agent-customers, policyholders and employees, and there will be no disruption to any business during this change, the company said. Creedon joined Utica in 1998 as assistant vice…
  • XL taps Nadeau as new COO for North America P&C business

    IFAwebnews Staff
    13 Nov 2014 | 5:48 am
    XL Group’s North America Property & Casualty (NAPC) insurance business based in New York has promoted Donna Nadeau to the position of chief operating officer, reporting to Joe Tocco, NAPC’s CEO. Nadeau previously served as NAPC’s chief actuary. Commenting on Nadeau’s appointment, Tocco said: “In the last few years, Donna dramatically changed how our actuaries work with our business leaders and underwriters and helped deliver data analytics and monitoring tools that help us manage profitability and grow wisely. Her incredible analytic skills, knowledge of our…
  • Jeanne Heisler receives IIABNJ’s first Lifetime Achievement Award

    IFAwebnews Staff
    12 Nov 2014 | 11:12 am
    IIABNJ’s first Lifetime Achievement Award was presented to Jeanne Heisler, former president of the Ronan Agency in Brick, N.J., during the association’s recent Annual Business Meeting. The award was presented by IIABNJ Chairman-elect Frank A. Jones, of Mints Insurance. Jeanne Heisler According to the Independent Insurance Agents and Brokers of New Jersey (IIABNJ) Heisler’s career is highlighted by many extraordinary accomplishments, including: sitting on multiple industry and regulatory boards, earning four professional designations, serving a combined 16 years on carrier agent…
  • Hudson Group acquires underwriting unit from Surety Partners America, Northeast

    IFAwebnews Staff
    10 Nov 2014 | 8:59 am
    Hudson Insurance Group announced that it has acquired the underwriting operations from Surety Partners of America, Northeast, which is based in Surety Partners’ headquarters in Chester, N.J. Terms were not disclosed. As part of this transaction, Michael Blount and James Balzan are now employees of New York City-based Hudson Surety, which operates under the leadership of Michael Cifone. “This acquisition demonstrates our commitment to the surety industry and sharpens our focus in the Northeast,” said Christopher Gallagher, president and CEO of Hudson. “We are pleased to expand our…
 
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    Insurance Forum

  • Happy Black Friday to All my Friendly Agents

    stankup1
    28 Nov 2014 | 3:49 pm
    Hope you had a great shopping day even the guys who actually called me names and I had to report them.
  • Need Out from my IMO - but How?

    luvfe
    28 Nov 2014 | 2:26 pm
    I am in the south. I have been at this 13 months. I am good. I write on average 13k per month. My IMO takes almost all my renewals and they claim to have profit sharing instead. My profit sharing last year was around $500. I should have had around $10 in renewals. This is just plain stupid. A couple of questions I have........ 1. I write for Columbian, five star, Kemper, Settlers, Trinity, NGL, and Forestors. Most of these companies I have been advanced commissions. Do I need to pay the advances back to the companies before I am allowed to leave me IMO? 2. According to my contract I c
  • Subsidy Midyear After Not Asking for One?

    SeniorGurl
    28 Nov 2014 | 2:06 pm
    If someone is enrolled in a plan on the exchange and is not asking for an initial subsidy, can they go back in at some point in the year and ask for one if their income is not what they thought it would be? Thanks in advance! :)
  • AOR Med Supp?

    emptyeternity
    28 Nov 2014 | 12:34 pm
    Dumb question, can you aor a supp and get paid on it?
  • Having a WP Site Built...need Ideas

    Ebell
    28 Nov 2014 | 11:10 am
    I'm having a WordPress site built for providing information blog posts and also serves as lead capture. I'm not interested in providing instant quotes for people as majority of my business are IULs which require face to face meeting to explain. Would love to see some minimalistic style website to give to my designer so he has a better idea of what I'm trying to achieve. Any url suggestions? Thanks!
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    The Insurance.

  • การเลือกประกันรถยนต์ทำไมถึงมีความสำคัญ

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

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

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

    Carlo
    12 Nov 2014 | 1:07 am
    ปฏิเสธไมได้ว่ามนุษย์ชาติบนโลกนี้ย่อมเกิดมาพร้อมกับสิ่งสำคัญมาก ๆ อย่างหนึ่งนั่นก็คือ การเกิด การแก่ การเจ็บ และการตาย และยังเป็นสิ่งที่ไม่สามารถที่จะหลีกเลี่ยง…
  • เอกสารแนบท้าย ประกันรถยนต์ สำคัญขนาดไหน ?

    Carlo
    6 Nov 2014 | 2:20 am
    ปัจุจบันเมื่อใครก็ตามที่เลือกซื้อรถยนต์ก็จำเป็นอย่างยิ่งที่จะต้องเลือกที่จะทำ หรือ ที่รถยนต์แทบทุกคันจำเป็นอย่างยิ่งที่จะต้องมี เพราะไม่เช่นนั้นอาจจะผิดกฏหมายตามกระบวนมาตราต่างๆ ที่ทางหน่วยงานได้ระบุไว้…
 
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    bestcarinsurancecompanies.net

  • 5 Common Gaps in Car Insurance Coverage

    12 Nov 2014 | 5:54 am
    Do you know what your auto insurance policy covers? You may think you’re getting enough coverage for your auto insurance, but you may be leaving out coverage that could leave you vulnerable later on. Even it you think you have ‘full coverage’, it’s important to understand your policy and speak with an insurance professional to avoid costly gaps in coverage. Take a look at these five common gaps in car insurance coverage. 1. No Collision or Comprehensive. Often considered optional, collision and comprehensive should be part of your overall policy because they cover…
  • Are Mandated Fees For Not Having Auto Insurance Coming Next?

    3 Nov 2014 | 5:23 am
    There are over 30 million uninsured drivers currently in the United States. Due to accidents caused involving uninsured drivers, the White House is moving to solve the problems caused by uninsured drivers. Accidents due to uninsured drivers are costing $2.6 billion in total uninsured motorist claims, and there are a number of solutions being proposed in the legislative branch to resolve them. The Harder Approach: Penalizing Uninsured Drivers In Missouri, as well as other states, moves are being made to insure that innocent uninsured drivers cannot sue in court if they are injured. This means…
  • How to Find the Best Car Insurance Company

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

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

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

  • Book Review: The Global Directors and Officers Handbook by Granof & Nicholls

    Marc Lanzkowsky
    14 Nov 2014 | 11:58 am
    In today's ever expanding global marketpalce, the need for executives to be aware of potential liability exposure is greater than ever. To assist in understanding that exposure, we review the the Global Directors and Officer Handbook, published the ABA (get your copy here) and Edited by Perry Granof and Henry Nichols.
  • 15 Excuses For Not Changing And 5 Reasons To Change The Way We Make Change

    Marc Lanzkowsky
    1 Apr 2014 | 1:55 pm
    Change is hard for everyone and how and when to change has been debated and discussed in companies since the first company was formed. What is never debated are some of the excuses used for not changing. People are generally resistant to change and despite the need to move forward people generally prefer to live with what they have. Taking a strategic approach to the issues around change itself shuold help to alleviate some of the resistence. In this post we look at changing the way we change.
  • Part 3 on Leadership: Challenges and Assistance in Leading Change

    Marc Lanzkowsky
    25 Mar 2014 | 7:26 am
    In Leadership: The Change Process In Claims Requires A Different Approach, I put forth the position that changing a claims organization needs a new brand of leadership skill that does not usually exist in the traditional claims organization. In Part 2 on Leadership: Developing a Strategic Transformation Team, I addressed how to break from existing management process to achieve effective strategic results. In the final installment, I discuss how challenges around leading change make it beneficial to bring in strategic support to help achieve the desired success.
  • Part 2 on Leadership: Developing a Strategic Transformation Team

    Marc Lanzkowsky
    17 Mar 2014 | 7:40 am
    Breaking from the linear approach to management is the key to leading Strategic Transformation. A standard organization will have a head of claims and then a variety of department heads to manage each line of business. Depending on the company there may be additional senior managers to handle various operational aspects of the group, which may include support staff, call center, technology and data analytics. Under this method, projects get initiated and managed within the same linear organizational framework. The result of this approach is a development process built in a silo that limits…
  • Leadership: The Change Process In Claims Requires A Different Approach

    Marc Lanzkowsky
    10 Mar 2014 | 8:14 am
    Successful organizations are always changing and adopting to improve their operations, lower costs and increase efficiencies. Claims departments are no different and have been under pressure to transform their operations and live by the mantra of doing more with less. Good claims organizations continuously evolve and adapt to ensure they add value to the overall business. Regardless, changing to meet the challenges of the marketplace is often fraught with problems and difficulties. Many initiatives fail to get off the ground or fail in the implementation process. Change can be very successful…
 
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    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • Five Uncommon Claims That Most San Diego Homeowners Face

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

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

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

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

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

  • CMS Releases New Policy Regarding Hydrocodone & Other Controlled Substances

    Mark Popolizio
    24 Nov 2014 | 12:10 pm
    The Centers for Medicare and Medicaid Services (CMS) has announced a new policy starting January 1, 2015 regarding hydrocodone combination products and other controlled substances in relation to WCMSA proposals. As part of this new policy, CMS will require a minimum number of healthcare provider visits per year in situations where the claimant’s prescription regimen includes hydrocodone combination products or other controlled substances. CMS’ notice announcing this new policy can be obtainedhere. This new policy can be outlined as follows: Background This policy change comes in direct…
  • CMS to Hold NGHP Section 111 Town Hall Call on December 10, 2014

    Mark Popolizio
    24 Nov 2014 | 10:20 am
      CMS will be holding a NGHP Section 111 Town Hall teleconference on December 10, 2014 from 1:00 to 3:00 p.m. ET.   A copy of CMS’ notice and call-in instructions can be obtained here. The following outlines information related to this matter: Agenda The following topics will be addressed as part of this call: Reporting Partial SSNs for Section 111 purposes. Response File Naming Convention Change. Multi-factor authentication related to Medicare Secondary Payer. CMS’ notice contains a link where the public can submit questions prior to this Town Hall. Background In preparation for…
  • Learning from Cyber History

    Shawn Dougherty
    24 Nov 2014 | 4:45 am
    I graduated from college with a degree in history. During my freshman year, one of my favorite professors stated something that remains with me to this day. He said there are two types of people in this world: There are those who believe history is linear, it doesn’t repeat itself, and things happen for a reason. Then there are those who believe history is circular and that people who don’t learn from the past are doomed to repeat it. Regarding the “history is circular” position, in my opinion, no one knows that better than those who work in insurance and risk management. The problem…
  • A Milestone for ISO ClaimSearch: 1 Billion Claims

    Carlos Martins
    21 Nov 2014 | 4:21 am
    More data promotes better decision making for claims adjusters. And soon, the ISO ClaimSearch database will hold 1 billion claims available to all ISO ClaimSearch users. We launched the ISO ClaimSearch database in 1999 by integrating three separate industrywide databases for property, casualty, and auto claims. Combining the three databases created a huge benefit for insurers, who previously had to conduct time-consuming and limited searches across single lines of business. Over the years, ISO ClaimSearch has helped investigators conduct more thorough searches across all lines of business to…
  • New ISO ClaimSearch Login Screen Coming December 5

    Carlos Martins
    20 Nov 2014 | 7:40 am
    It’s an exciting time at ISO ClaimSearch as we work diligently to transform your user experience. We’ll roll out one of the first changes on December 5, 2014, when we launch the newly designed login screen. New feature: The option to log in with your e-mail! On December 5, all existing user names and passwords will be active for the site. However, as an added convenience to our users, you’ll now also be able to log in with the e-mail that’s associated with your ISO ClaimSearch registration. More login page features We’re pleased to announce that now you’ll have to agree to our…
 
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    Life Insurance Insights

  • Leadership Part 18

    Mike
    27 Nov 2014 | 5:00 am
    The final in this series on Leadership THE PRICE OF LEADERSHIP The commitment to be a leader carries a price.  The more visible the leader…the greater that price.  When people look upon you as their leader you have created an obligation to fulfill their needs.  You have set standards that they expect to be maintained.  If you suddenly abdicate the roll of leader, they may flounder unless you can find a substitute to fill the void. They also look to you to set standards of behavior.  Leaders are expected to be honest…to have principals…to tell the truth.  A leader cannot lead by…
  • Leadership Part 17

    Mike
    25 Nov 2014 | 5:00 am
    The final element of Focus in a leader is Passion and Dedication Passion/Dedication Most of the great leaders of history are passionate about their quest.  But passion is not necessarily present in every leader in every undertaking.  Dedication is absolutely essential if a leader is to succeed.  But Passion and dedication are not always synonymous. Colin Powell is a proven leader.  His military life presents the picture of an individual who worked his way to the very top, admired by friends and foes.  He looks like a leader.  He acts like a leader.   He is well informed and…
  • Leadership Part 16

    Mike
    20 Nov 2014 | 7:00 am
    Continuing with the importance of decisiveness and risk taking as part of the leader’s Focus. Decisiveness Leaders make decisions.   Decisions should be made with adequate forethought and research, but not at the expense of being prolonged.  Indecisiveness is not a trait of a leader.   Make a call and go with it!  Once a decision has been made a leader does not exhibit any second thoughts to their followers.   Discussions with closest advisors are also not only acceptable, but advisable.  But once a decision has been announced, to the rest of the world that must be a clear…
  • Leadership Part 15

    Mike
    18 Nov 2014 | 7:00 am
    A leader takes charge of the big picture. The Big Picture Becoming sidetracked with minutiae distracts from focus on the goal.  Consider the conductor of a symphony orchestra who has before him the music of Beethoven and 95 talented musicians ready to play it.  The conductor has heard this same composition played by other orchestras a dozen times before, but he knows what he wants from this piece that will take it above and beyond previous interpretations.  He will have only one performance date and a few rehearsals leading up to this performance.  During this time he must communicate his…
  • Leadership Part 14

    Mike
    13 Nov 2014 | 7:00 am
    Continuing on to the last important trait of a leader—Focus. Focus Focus is defined as “the concentration of attention or energy on something.”  In order to focus you must know what that “something” is.  That requires that you know where you have been; where you are now and where you want to go. If you’re in doubt about your objectives, give it some more thought before proceeding.  Your answer can be broad or pinpointed.  The President of the United States must address the needs of the most powerful nation on earth.  If you are concerned only with leading your minor children…
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    Insurance.com Articles

  • Ace your life insurance medical exam

    26 Nov 2014 | 2:21 am
    When applying for a life insurance policy, you may be asked to take a medical exam. Here's how to ace it.
  • Do you qualify for a health insurance subsidy?

    25 Nov 2014 | 8:08 am
    Here are 2015 family income guidelines for subsidized health insurance plans under the Affordable Care Act.
  • 7 reasons to use a dashboard camera

    25 Nov 2014 | 7:16 am
    A dash cam car insurance discount doesn’t yet exist, but recording your drive may still help keep your car insurance rates down.
  • Sitemap

    22 Nov 2014 | 5:31 pm
    This site map is a listing of important pages on Insurance.com. It's not exhaustive, but it does include our most popular sections. You can try our site search if you still can't find what you need.
  • Can my holiday guests drive my cars?

    21 Nov 2014 | 7:14 am
    Most car insurance policies will cover any driver given permission to get behind the wheel. But some won't.
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    Shift Insurance Blog

  • You Were Just in an Accident… Now What?!

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

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

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

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

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

  • Oil below $70 sending more FX trading volumes to CFDs during November

    admin
    28 Nov 2014 | 10:08 am
    Oil below sending more FX trading volumes to CFDs during November LeapRate Exclusive… LeapRate has learned, in discussions with various retail forex brokers in different locations around the globe, that November FX trading volumes will be somewhat lower than the record / near-record volumes reported by many in the … Read more on LeapRate SET closes down 5.91 to 1593.91 Thai stocks fell 0.4% on Friday as the plunge in world oil prices pushed down energy shares which account for about 20% of local market capitalisation. The Stock Exchange of Thailand Index declined 5.91 ……
  • A Candlestick Pattern for FX Reversals

    admin
    27 Nov 2014 | 11:21 pm
    A Candlestick Pattern for FX Reversals Interpreting candle patterns is an important technical trading skill to master for any day trader. While these patterns may seem foreign at first, their recognition can confirm values of support and resistance, and even give traders confirmation of the … Read more on DailyFX Forex Trading Fallacies: What you should know Whether you are a seasoned trader or a newbie, you cannot really be absolutely convinced of the fact that you are totally free of the innumerable myths or fallacies which the world of forex is brimming with. A Trader's Fallacy…
  • Oil Steadies as Market Doubts OPEC Cut

    admin
    27 Nov 2014 | 10:13 am
    Oil Steadies as Market Doubts OPEC Cut The increasingly bearish view on prices is prompting more traders to start shorting the market, brokers said. On Tuesday, U.S. WTI futures open interest rose despite a fall in prices, likely a sign new shorts were entering positions in the market just … Read more on Fox Business SE Asia Stocks -Philippine stocks retreat; oil shares lead regional decline Selling hit energy-related stocks across exchanges, with brokers citing the OPEC meeting on Thursday as a market focus. . Brent crude fell to a four-year low under $ 76.30 a barrel on Thursday as it…
  • Guest Editorial: Stop spending! Running an effective FX digital campaign

    admin
    26 Nov 2014 | 11:13 pm
    Guest Editorial: Stop spending! Running an effective FX digital campaign The vital matter of acquiring and maintaining retail clients is one of the largest resource and financial costs in the Forex industry. In this week's LeapRate Guest Editorial, Mordecai Holtz, Co-CEO and Founder of Blue Thread Marketing, a boutique … Read more on LeapRate New Gulf News.com Guide Gulf News was one of the first newspapers in the Middle East to go online. It started as a basic text-driven and staff-only content website, with a single home page picture, covering Emirates, Gulf, World, Business,…
  • Forex Trading Tips: Top Tips For Successful Forex Trading (Forex Trading Success Book 1)

    admin
    26 Nov 2014 | 10:12 am
    Forex Trading Tips: Top Tips For Successful Forex Trading (Forex Trading Success Book 1) Successful Forex Traders Don’t Become Successful By Accident Successful traders follow a tested and proven set of rules which help them trade effectively. This Forex book contains many time-tested Forex trading tips/rules/guidelines gathered from numerous successful traders from all over the world. One of the most effective ways to become successful in any endeavor is to “model” yourself after those who are already successful. The tips/rules/guidelines will not o Price: Related Forex Tips Products
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    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • How To Prevent Frozen and Burst Pipes

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

    qldb_admin
    27 Nov 2014 | 8:16 am
    A report by a leading insurer has found that 60% of Small and Medium-sized Enterprises (SME) don’t have Business Interruption insurance and 10% don’t have any insurance at all. Small businesses are the backbone of the country’s economy and in these tough financial times it’s important to protect your bottom line. And that means making sure that your business is completely covered. The report revealed that an estimated 2.9 million businesses didn’t have Business Interruption Insurance or didn’t know if it was included in their existing insurance. And considering that the survey…
  • Insurance Stories Hitting the Headlines

    qldb_admin
    21 Nov 2014 | 2:00 am
    It’s been another busy month in the insurance world with ‘good news’ for homeowners and ‘bad news’ for car drivers. Pet owners will soon be able to track their four-legged friends (and cut insurance premiums) with a GPS collar and we report on an incredibly short-sighted failed attempt at fraud. Insurance providers refuse cover for Range Rovers In the first half of the year nearly 300 luxury Range Rovers were stolen in the capital. The Evoque and Sports models are particularly tempting targets for thieves due to a simple security flaw that allows criminals to bypass the 4×4’s…
  • Top Five Short Haul Winter Sun Destinations

    qldb_admin
    19 Nov 2014 | 8:16 am
    As the nights draw in and the temperature drops it’s easy to forget that the sun in still shining over the Mediterranean. If you are thinking of escaping the cold British winter and working on your tan we have hand-picked five of the best short haul breaks. Sardinia   What to Expect Sardinia’s Emerald Coast is the envy of the Mediterranean boasting beaches straight out of a holiday brochure. Think talcum powder sands and crystal clear waters with rocky headlands sheltering pristine coves. The coastline is dotted with sleepy fishing villages and medieval fortresses while further inland…
  • Why it makes sense to renew your car insurance early

    qldb_admin
    13 Nov 2014 | 2:19 am
    It’s one of the insurance industry’s best kept secrets, but you can seriously cut the cost of your car insurance by arranging cover before your renewal date is due. Leave everything to the last minute and you’ll pay a premium, but spend a little time planning ahead and you could make big savings; it’s really that simple. Benjamin Franklin once said “Don’t put off until tomorrow what you can do today” and as one of the Founding Fathers of the United States he certainly knew how to get things done. It’s a sage piece of advice and one that could save you nearly £300 on your…
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    The Esurance Blog

  • 3 Common Thanksgiving Fails and How to Avoid Them (VINE)

    Rachael Heller
    27 Nov 2014 | 5:00 am
    Thanksgiving’s about gratitude, not catastrophe. Use this guide to ensure a peaceful day of thanks. The post 3 Common Thanksgiving Fails and How to Avoid Them (VINE) appeared first on The Esurance Blog.
  • Car Horn Etiquette: The Dos and Don’ts of Honking Your Horn

    Jennifer Wood
    26 Nov 2014 | 5:00 am
    The hectic holiday travel season’s here. In order to keep the roads safer (and quieter), here’s a quick refresher of how and when to use your car horn. The post Car Horn Etiquette: The Dos and Don’ts of Honking Your Horn appeared first on The Esurance Blog.
  • Thanksgiving Day Driving: This One Simple Tip Could Keep You Alive

    Ian Civgin
    25 Nov 2014 | 10:20 am
    Ninety-one percent of Americans will travel by car this Thanksgiving. Buckling your seat belt before leaving is the easiest way to protect your giblets in case of an accident. The post Thanksgiving Day Driving: This One Simple Tip Could Keep You Alive appeared first on The Esurance Blog.
  • The Car of Tomorrow: You Have to See It to Believe It

    Jessica Guerin
    24 Nov 2014 | 5:00 am
    Esurance and West Coast Customs teamed up with fans to create the ultimate car of tomorrow. And now for the big reveal …. The post The Car of Tomorrow: You Have to See It to Believe It appeared first on The Esurance Blog.
  • How Much Do You Know About Thanksgiving? (Quiz)

    Ian Civgin
    21 Nov 2014 | 5:00 am
    We love to celebrate Thanksgiving, but do you know how it all started? Was pumpkin pie served at the first Thanksgiving? Find out these answers and more. The post How Much Do You Know About Thanksgiving? (Quiz) appeared first on The Esurance Blog.
 
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    Health eDeals Blog

  • November is Alzheimer’s Awareness Month

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

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

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

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

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

  • NY Risk Management Tips – Snow Plowing

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

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

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

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

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

  • 26 Ways to Get More Sales From Insurance Producers

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

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

    John F. Carroll
    23 Sep 2014 | 8:13 am
    Want to reach more people on Facebook? Of course you do, who doesn’t? I’m going to share a free tactic that’s so easy, so simple, and so obvious I can’t believe every agency on earth isn’t already doing it! Yet based on my observations, I think the majority of insurance agents on Facebook aren’t. It’s as easy as pushing a button. Literally. Ready for the tip? Here it is: Get your staff to click “like”, comment on, share, and engage with your agency’s Facebook posts using their personal Facebook accounts. I told you it was…
  • How to Get Hired as an Insurance Agent: 12 Insider Secrets

    John F. Carroll
    26 Aug 2014 | 7:49 am
    So you want to get hired as an insurance agent? I can help. I’ve been working with insurance agents for years. Thousands of agents from every corner of the globe and I understand how they think. Understanding what motivates a hiring insurance agent along with his or her fears makes it easy to make the right impression and get the job. Forget about the crap you read over on Careerbuilder. This is what you need to know. Follow my 12 insider secrets and you’re going to own the interview, impress the hiring agent, and get the job. Just promise me you’re going to work…
  • YouTube Video Marketing Ideas for Insurance Agents – Part 2

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

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

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

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

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

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

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

  • Where to Buy Motorcycle Gear in Singapore

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

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

    Rachelle Lee
    14 Nov 2014 | 1:24 am
    9UBCFJ5WDZF8Come Visit us at our Road Show By Rachelle Lee Come visit the DirectAsia.com Road Show this Saturday and Sunday (November 15th & 16th) for fun for the whole family. Zachary’s road safety truck will be brimming with ice cream at Changi City Point this weekend! Free Goodies! Get a free, 5-minute quote and stand a chance to win goodies like: movie tickets coffee tumblers plush toys cash cards $20 vouchers  Where? Changi City Point driveway, facing EXPO MRT station When? Saturday 15 Nov & Sunday 16 Nov, 11am to 7pm See you there!
  • Does Travel Insurance Cover Protest or Riots

    Paul Cypert
    9 Nov 2014 | 6:42 pm
    9UBCFJ5WDZF8Does Travel Insurance Cover Protest or Riots By Paul Cypertimage by Flickr user Sonotoki, link at the bottom We had a great question come through on the blog last week.  “I would like to know more about travel insurance with regard to the protest in Hong Kong, thanks Aik” This is understandably on the minds of Singaporeans lately with prolonged protests in Hong Kong and the recently finished ones in Thailand. Thankfully our region usually stays passive these days, but there have been times in the past when the peaceful protests quickly elevated into violence. Advance Notice…
  • Thoughts from the Author of this Year’s Safer Roads Campaign

    Rachelle Lee
    6 Nov 2014 | 6:57 pm
    9UBCFJ5WDZF8Thoughts from the Author of this Year’s Safer Roads Campaign By Rachelle LeeIt’s easy to be hopeful on a beautiful day like today. Where thoughts dark and gripping are distant; Where everyone we care about is happy and healthy; Where everything is as it can be. Claims are a part of what we do. I remember going into the office, feeling sunny like today then to be told how blood was found inside a car of a recent accident. I closed my eyes and felt the sorrow, the anguish of the family. This was the second time this year that I had encountered news of a fatality… I…
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    autoinsuresavings.org

  • The Impact of Texting While Driving on Your Car Insurance (And 5 Apps to Help You Stop)

    Shaun Fyffe
    16 Nov 2014 | 3:56 pm
    Texting while driving is dangerous. You already know this, whether through common sense or because you’ve been repeatedly warned by the advertisements and public service announcements that are all over the place these days. Here’s the thing, though: texting while driving (TWD) is also really convenient, especially since it seems like you’re always on the go, and there’s always someone else who needs something from you right this instant. That’s why you keep doing it, despite the risks. There’s another risk you may not have considered, however. TWD can also wreak havoc on your car…
  • Hyundai and Kia Get Record Fines Over False Fuel-Economy Claims

    Jordan Perch
    14 Nov 2014 | 5:32 pm
    In 2012, the Environmental Protection Agency (EPA) started investigating Kia’s and Hyundai’s widely publicized claims about the superior fuel economy of their vehicles compared to the competitors, after receiving numerous complaints from a consumer advocacy group and customers about discrepancies between the advertised fuel economy and real-world performances. The agency found that the difference in mileage ratings for some of Kia’s models was as much as 6 miles per gallon, whereas discrepancies in Hyundai’s models fuel economy were between 1 and 2 miles per gallon.
  • Beijing Stepping Up Efforts for a Faster Adoption of Electric Vehicles

    Jordan Perch
    1 Nov 2014 | 10:34 am
    It’s not a secret that China has many environmental problems, and air pollution is arguably the biggest of them. As part of China’s efforts to improve air quality, authorities in the world’s most populous country are trying to take gasoline-powered China is increasing electric vehicle production. Photo by SmokingPermitted via Flickr/CreativeCommons. cars off the road – as they are one of the leading contributors to air pollution – and replace them with low emission vehicles, primarily electric and plug-in hybrid cars. But, like in the U.S., the lack of charging…
  • 5 Hidden Costs of Buying A New Car

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

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

  • Seek mistletoe; avoid a Christmas ‘hug’

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

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

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

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

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

  • How to Haggle for a Used Car

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

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

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

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

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

  • Request a Quote

    admin
    4 Nov 2014 | 12:00 am
    Getting a quote has never been easier. We’re here to answer all questions and get you a quote, click here to reach an agent The post Request a Quote appeared first on Montgomery & Associates.
  • Are People Afraid to Buy Insurance?

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

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

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

    admin
    26 Oct 2014 | 11:00 pm
    We at Montgomery & Associates have the best clients around… The post Our Clients Speak appeared first on Montgomery & Associates.
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  • Car Insurance Types | GAP Insurance

    Eric C.
    21 Nov 2014 | 12:10 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Car Insurance Types | GAP Insurance Consider your insurance will completely cover if your car is written off in an accident? Don’t count on it. It is more probable that they will pay for... Car Insurance Types | GAP Insurance Eric C.
  • Car Insurance No Down Payment | Insurance Quote Importance

    Eric C.
    21 Nov 2014 | 11:56 am
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Car Insurance No Down Payment | Insurance Quote Importance In different parts of the world, millions of people rely on their vehicles. This is to take them to work, to school, to the grocery... Car Insurance No Down Payment | Insurance Quote Importance Eric C.
  • Shrewd Moves Understudies Can Make Over Winter Break

    Eric C.
    18 Nov 2014 | 10:13 am
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Shrewd Moves Understudies Can Make Over Winter Break It’s onerous to consider how briskly the autumn semester has passed by, however winter break is quickly approaching for a lot of faculty college students. And... Shrewd Moves Understudies Can Make Over Winter Break Eric C.
  • 5 Money Saving Strategies for Winter

    Eric C.
    18 Nov 2014 | 6:11 am
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . 5 Money Saving Strategies for Winter A couple of days back, we got our first measurable snowfall of the year, presenting to us a two-inch cover of snow that secured the world in white.... 5 Money Saving Strategies for Winter Eric C.
  • 10 Shabby Family unit Staples That Twofold as Cleaning Supplies

    Eric C.
    18 Nov 2014 | 4:12 am
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . 10 Shabby Family unit Staples That Twofold as Cleaning Supplies   The last time I set out for some looking for cleaning supplies, there were such a large number of things to browse I... 10 Shabby Family unit Staples That Twofold as Cleaning Supplies Eric C.
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