Insurance

  • Most Topular Stories

  • Benefits Realization for Life Insurance

    Insure Life Surpasses Your Expectations
    14 Sep 2014 | 8:09 am
    Life insurance can provide many benefits to multiple stakeholders, including the policy insured and beneficiaries.  To achieve the desired level of benefits from a life insurance plan, it is important to implement a Benefits Realization plan.  A Benefits Realization plan helps ensure that the expected benefits are known, the potential issues and risks that may impact the plan are accounted for, and the policy is proactively managed to help ensure the expected benefits are achieved.Life insurance is purchased for a variety of reasons, and the purpose varies by product type. …
  • Life Insurance Planning: Products, People, and Processes

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

    Insure Life Surpasses Your Expectations
    9 Oct 2014 | 5:55 pm
    Life insurance products are purchased for a variety of purposes since they can provide many benefits to plan stakeholders.  Below is a list of my current top ten benefits for life insurance plans (in no particular order):Death Benefits – Death benefits are cash benefits that are payable upon the insured’s death.Living Benefits – Living benefits are cash benefits that may be payable during the life of the insured.  Living benefits may include accessing cash surrender values via withdrawals, surrenders, and/or loans, the payment of long term care or disability benefits, or…
  • EF-1 tornado causes property damage in Wash.

    PCI SmartBrief
    24 Oct 2014 | 5:27 am
     -More- 
  • The Top 5 Reasons to Get Auto Insurance, According to MyRatePlan.com

    INSURANCE - Yahoo News Search Results
    25 Oct 2014 | 8:22 am
    Today, MyRatePlan, one of the top websites for comparing insurance policies from different providers, announced the top five reasons for getting auto insurance. Such coverage prevents car accidents from ...
 
 
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    Specialty Insurance Blog

  • Selling an Agency – E&O Insurance

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

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

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

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

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

  • Cost of driving licence to be cut!

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

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

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

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

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

  • British Employee Injured, Employer Suffers Fines

    Kori Shafer-Stack
    24 Oct 2014 | 5:30 am
    Injuries to a British roadworker, who suffered minor burns when a road marking vehicle caught fire and exploded in Bristol, has led to fines for his employer following a recent court hearing.   Neil Higgins from Leighton Buzzard, Bedfordshire was laying road markings with a team at Imperial Park, Hartcliffe, in June of 2013 when the explosion happened, causing him to suffer burns.   The incident was investigated by the Health and Safety Executive (HSE), which prosecuted Redland Road Marking Ltd at Bristol Magistrates Court in early October of this year.   HSE’s investigation…
  • New Jersey Employer Fined for Safety and Health Hazards

    Kori Shafer-Stack
    23 Oct 2014 | 5:30 am
    Not keeping workers safe on the job has resulted in fines for one New Jersey-based business.   Custom-order cabinetry company Choice Cabinetry LLC exposed employees to safety and health hazards, many involving methylene chloride, according to the U.S. Department of Labor’s Occupational Safety and Health Administration. Initiated as part of its Site-Specific Targeting Program for industries with high injury and illness rates, OSHA’s March 2014 inspection cited the Somerville company for 15 violations, including three willful. Proposed penalties total $136,290.  …
  • How Would An Ebola Pandemic Affect Work Comp?

    Attorney Theodore Ronca
    22 Oct 2014 | 6:30 am
    What does 1918 have to do with Ebola and work comp in 2014? Unfortunately a great deal. In 1918, the final year of World War I, the world saw a pandemic of influenza with the most deaths of any single event in world history – estimated to be 50,000,000 world wide, with 800,000+ in the United States in one year.   The pandemic came in two waves six months apart. The first was mild but the second was the killer. The virus had quickly mutated.   Work comp in NY was four years old in 1918 but the influenza event doesn’t seem to have received a single mention in the NY work comp…
  • Nova Scotia WBC Unveils 2015 Rates

    Kori Shafer-Stack
    22 Oct 2014 | 5:30 am
    Officials in Nova Scotia unveiled some good news recently regarding workers compensation rates in the Canadian province.   Demonstrating leadership in workplace safety and return to work programs can reduce the impact of workplace injury as well as the costs of workplace injury insurance, reported the Workers Compensation Board as part of its 2015 employer rate announcement.   The Workers Compensation Board notified 18,500 covered employers of their 2015 rates for workplace injury insurance. An industry’s rate is set based on claims cost experience – the ratio of injury…
  • Consequences of Failing to Report & Respond to Work Injuries

    Michael B. Stack
    21 Oct 2014 | 6:30 am
    Over the years, state and federal governments have enacted a number of safety regulations in workers’ compensation programs to provide for a safe working environment.  Even for the best employers following workplace safety guidelines, accidents do happen.  When they do, it is important to follow recognized procedures when responding to work injuries.  Failure to properly report and respond to the injury can have significant adverse consequences.     Penalties under State Workers’ Compensation Act Being aware of requirements under a state workers’ compensation are important…
 
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    Colorado Health Insurance Insider

  • Health Wonk Review – the falling leaves edition

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

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

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

    Louise
    6 Oct 2014 | 6:45 pm
    Connect for Health Colorado has been one of the most successful exchanges in the country during the first year of operation.  The exchange had enrolled nearly 146,000 people in private plans as of the end of August, and Colorado’s uninsured rate dropped by six percentage points from the end of 2013 to mid-2014. But despite […] The post Connect for Health Colorado getting more user-friendly appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Connect for Health Colorado Updates On…
  • Weekend reading from some great health wonks

    Louise
    27 Sep 2014 | 11:33 am
    Have you scrolled through the latest Health Wonk Review yet?  Billy Wynne hosted this week over at Healthcare Lighthouse, and his “Thank God It’s Recess” edition is excellent. A few articles were particularly interesting to me.  At the National Center for Policy Analysis, John R. Graham wrote about how the second open enrollment is going […] The post Weekend reading from some great health wonks appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Summer Reading…
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    Home Insurance Blog

  • Lock Down Data From Cyber Security Threats

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

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

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

    Samantha Alexander
    3 Oct 2014 | 12:30 am
    Traces of the vibrant colors to come already infiltrate the trees, pumpkin spice has invaded nearly every food and drink, and the summer heat and humidity seem to have dissipated. That can only mean one thing – it’s officially fall. That means it’s time to get your house in shape for the cooler winter months ahead. According to the Insurance Information Institute, winter storms were the second-largest cause of catastrophic losses in 2013. The III also reports that average annual winter storm losses have almost doubled since the early 1980s. Luckily, many winter-related losses…
  • Don’t Spook Your Home Insurer This Halloween

    Katherine Wood
    1 Oct 2014 | 8:29 am
    As the air begins to chill and the leaves start to fall, pumpkins and skeletons populate shop windows and our thoughts turn to Halloween. Chances are you have at least one plan for Halloween this year – Americans spend nearly $7 billion a year on the holiday, according to NPR. While that includes costumes, candy, and home decorations, some of those dollars go to tricked-out haunted houses and killer parties. Whatever your plans for Halloween, you should know about the real-life frights associated with the holiday, especially for hosts. Whether your Oct. 31gathering is family friendly or…
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    Insurance Law Hawaii

  • Damages in First Trial Establishing Liability of Tortfeasor Binding in Bad Faith Trial Against Insurer

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

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

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

    Tred Eyerly
    13 Oct 2014 | 3:01 am
       The court found there was no coverage obligations for the insured's defective product. Titanium Indus., Inc. v. Federal. Ins. Co., 2014 WL 4428324 (N.J. Super. Ct. App. Div. Sept. 10, 2014).    The insured, Titanium Industries, supplied titanium bar materials to Biomet Manufacturing Corporation. Biomet manufactured orthopedic implants and devises. The titanium was used to manufacture screws to incorporate into Biomet's products.     Biomet notified the insured of a potential defect in some of the titanium material, described as "alloy segregation," i.e., the…
  • Insurer in Bad Faith For Refusing to Commit to Appraisal

    Tred Eyerly
    8 Oct 2014 | 3:01 am
       The court denied State Farm's motion for summary judgment on the insured homeowners' bad faith claim for State Farm's failure to agree to an appraisal. Currie v. State Farm Fire and Cas. Co., 2014 WL 4081051 (E.D. Pa. Aug. 19, 2014).    Superstorm Sandy caused a tree to crash in the insureds' home. The loss was reported to State Farm. The State Farm adjuster verbally quoted the roof replacement at more than $100,000. State Farm eventually paid $60,000 for the roof replacement. The insureds' adjuster estimated the loss at $363,804.98.     The insureds…
 
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    WordPress Tag: Auto Insurance

  • Best Local Auto Insurance Phoenix

    drezand
    9 Oct 2014 | 12:39 pm
  • It Is Important To Be Honest With Your Insurance Company

    targetup2014
    9 Oct 2014 | 7:22 am
    TIP! Before purchasing a new vehicle, always research insurance rates. Insurance agents will be able to advise you on what type of car has low insurance rates. If you own a car, you must have insurance. You have a lot of choices when it comes to your auto insurance. Take some time to research auto insurance policies to make sure you’re getting the best deal you can. Research the prices and options from different insurance companies. Different companies use different formulas to determine your premium. By shopping around, you can really save money. TIP! Liability coverage of certain…
  • How To Get The Cheapest Car Insurance

    targetup2014
    9 Oct 2014 | 7:22 am
    TIP! It is a common belief that the rates a young driver pays for auto insurance decrease as soon as that driver turns 25 years of age. The fact is that insurance rates actually drop as soon as a driver turns eighteen if he or she is a safe driver. Shopping around for car insurance is a headache for lots of people. It isn’t difficult to find a plan that works for you, but you will have to do a little bit of reading to find a good fit. Taking the time to do the right research will help you not only save money, but find a plan that covers all of your needs. These guidelines offer valuable…
  • East Coast Insurance Lines of Business | Call us - 800-255-8941

    infoeastcoastinsgroup
    9 Oct 2014 | 12:16 am
    A one stop shop for all your insurance needs like auto, home and others in Lake Worth, FL, 33449. For more our services  please visit our site – eastcoastinsgroup.com
  • Auto Insurance Is A Commodity You Can't Live Without

    whyinsured
    8 Oct 2014 | 7:49 pm
    TIP! Look around and compare prices before choosing which insurance policy to purchase. Every company uses a complex algorithm to determine your rate, but they all take your driving record and answers to their questionnaire into account. You should stay on top of the latest news concerning car insurance. Learning a great deal about this topic will help you make sound judgments regarding your coverage. This article provides tips on how to make the best insurance decisions. Insurance news and information
 
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  • WHO: More than 10,000 cases of Ebola

    25 Oct 2014 | 10:45 am
    WHO: More than 10,000 cases of EbolaGettyAccording to the World Health Organization, more than 10,000 have been infected with the virus, and that number is climbing.Number of Ebola deathsMore on EbolaWho is Ebola-stricken doc in NYC?Woman quarantined in NJ
  • 3 deputies shot, 2 killed in California

    25 Oct 2014 | 10:45 am
    3 deputies shot, 2 killed in CaliforniaAPPolice chased 34-year-old Marcelo Marquez for hours across two counties after he shot the officers and a bystander with an AR-15-type assault rifle.Suspect captured near SacramentoIn other newsVolcano lava nears town in HawaiiGOP Rep warns of terror 'incubators'
  • This makeup trick will make your cheeks pop

    25 Oct 2014 | 10:45 am
    This makeup trick will make your cheeks popShutterstockMany celebrities use this technique, which allows you to enhance and define facial features, to look red-carpet ready.How you can get the lookMore makeover tips Fun eye makeup idea for fallHow to rock leather pants
  • Video of really annoyed dog goes viral

    25 Oct 2014 | 10:45 am
    Video of really annoyed dog goes viralNewsyA hilarious video of pup Lou being really, really irritated is making the rounds on the Internet. What's got him in such a moodMore trending stories Halloween costumes for your petRestaurant name incites protests
  • Cafeteria worker tried to stop suspect

    25 Oct 2014 | 10:45 am
    Cafeteria worker tried to stop suspect GettyNew reports indicate that a lunchroom staff member at the Wash. high school tried to stop alleged gunman Jaylen Fryberg. One killed, several woundedMore headlinesPossible motive uncoveredCastrated sex offender to be freed
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  • WHO: More than 10,000 cases of Ebola

    25 Oct 2014 | 10:45 am
    WHO: More than 10,000 cases of EbolaGettyAccording to the World Health Organization, more than 10,000 have been infected with the virus, and that number is climbing.Number of Ebola deathsMore on EbolaWho is Ebola-stricken doc in NYC?Woman quarantined in NJ
  • 3 deputies shot, 2 killed in California

    25 Oct 2014 | 10:45 am
    3 deputies shot, 2 killed in CaliforniaAPPolice chased 34-year-old Marcelo Marquez for hours across two counties after he shot the officers and a bystander with an AR-15-type assault rifle.Suspect captured near SacramentoIn other newsVolcano lava nears town in HawaiiGOP Rep warns of terror 'incubators'
  • This makeup trick will make your cheeks pop

    25 Oct 2014 | 10:45 am
    This makeup trick will make your cheeks popShutterstockMany celebrities use this technique, which allows you to enhance and define facial features, to look red-carpet ready.How you can get the lookMore makeover tips Fun eye makeup idea for fallHow to rock leather pants
  • Video of really annoyed dog goes viral

    25 Oct 2014 | 10:45 am
    Video of really annoyed dog goes viralNewsyA hilarious video of pup Lou being really, really irritated is making the rounds on the Internet. What's got him in such a moodMore trending stories Halloween costumes for your petRestaurant name incites protests
  • Cafeteria worker tried to stop suspect

    25 Oct 2014 | 10:45 am
    Cafeteria worker tried to stop suspect GettyNew reports indicate that a lunchroom staff member at the Wash. high school tried to stop alleged gunman Jaylen Fryberg. One killed, several woundedMore headlinesPossible motive uncoveredCastrated sex offender to be freed
  • add this feed to my.Alltop

  • WHO: More than 10,000 cases of Ebola

    25 Oct 2014 | 10:45 am
    WHO: More than 10,000 cases of EbolaGettyAccording to the World Health Organization, more than 10,000 have been infected with the virus, and that number is climbing.Number of Ebola deathsMore on EbolaWho is Ebola-stricken doc in NYC?Woman quarantined in NJ
  • 3 deputies shot, 2 killed in California

    25 Oct 2014 | 10:45 am
    3 deputies shot, 2 killed in CaliforniaAPPolice chased 34-year-old Marcelo Marquez for hours across two counties after he shot the officers and a bystander with an AR-15-type assault rifle.Suspect captured near SacramentoIn other newsVolcano lava nears town in HawaiiGOP Rep warns of terror 'incubators'
  • This makeup trick will make your cheeks pop

    25 Oct 2014 | 10:45 am
    This makeup trick will make your cheeks popShutterstockMany celebrities use this technique, which allows you to enhance and define facial features, to look red-carpet ready.How you can get the lookMore makeover tips Fun eye makeup idea for fallHow to rock leather pants
  • Video of really annoyed dog goes viral

    25 Oct 2014 | 10:45 am
    Video of really annoyed dog goes viralNewsyA hilarious video of pup Lou being really, really irritated is making the rounds on the Internet. What's got him in such a moodMore trending stories Halloween costumes for your petRestaurant name incites protests
  • Cafeteria worker tried to stop suspect

    25 Oct 2014 | 10:45 am
    Cafeteria worker tried to stop suspect GettyNew reports indicate that a lunchroom staff member at the Wash. high school tried to stop alleged gunman Jaylen Fryberg. One killed, several woundedMore headlinesPossible motive uncoveredCastrated sex offender to be freed
 
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  • WHO: More than 10,000 cases of Ebola

    25 Oct 2014 | 10:45 am
    WHO: More than 10,000 cases of EbolaGettyAccording to the World Health Organization, more than 10,000 have been infected with the virus, and that number is climbing.Number of Ebola deathsMore on EbolaWho is Ebola-stricken doc in NYC?Woman quarantined in NJ
  • 3 deputies shot, 2 killed in California

    25 Oct 2014 | 10:45 am
    3 deputies shot, 2 killed in CaliforniaAPPolice chased 34-year-old Marcelo Marquez for hours across two counties after he shot the officers and a bystander with an AR-15-type assault rifle.Suspect captured near SacramentoIn other newsVolcano lava nears town in HawaiiGOP Rep warns of terror 'incubators'
  • This makeup trick will make your cheeks pop

    25 Oct 2014 | 10:45 am
    This makeup trick will make your cheeks popShutterstockMany celebrities use this technique, which allows you to enhance and define facial features, to look red-carpet ready.How you can get the lookMore makeover tips Fun eye makeup idea for fallHow to rock leather pants
  • Video of really annoyed dog goes viral

    25 Oct 2014 | 10:45 am
    Video of really annoyed dog goes viralNewsyA hilarious video of pup Lou being really, really irritated is making the rounds on the Internet. What's got him in such a moodMore trending stories Halloween costumes for your petRestaurant name incites protests
  • Cafeteria worker tried to stop suspect

    25 Oct 2014 | 10:45 am
    Cafeteria worker tried to stop suspect GettyNew reports indicate that a lunchroom staff member at the Wash. high school tried to stop alleged gunman Jaylen Fryberg. One killed, several woundedMore headlinesPossible motive uncoveredCastrated sex offender to be freed
  • add this feed to my.Alltop

  • WHO: More than 10,000 cases of Ebola

    25 Oct 2014 | 10:45 am
    WHO: More than 10,000 cases of EbolaGettyAccording to the World Health Organization, more than 10,000 have been infected with the virus, and that number is climbing.Number of Ebola deathsMore on EbolaWho is Ebola-stricken doc in NYC?Woman quarantined in NJ
  • 3 deputies shot, 2 killed in California

    25 Oct 2014 | 10:45 am
    3 deputies shot, 2 killed in CaliforniaAPPolice chased 34-year-old Marcelo Marquez for hours across two counties after he shot the officers and a bystander with an AR-15-type assault rifle.Suspect captured near SacramentoIn other newsVolcano lava nears town in HawaiiGOP Rep warns of terror 'incubators'
  • This makeup trick will make your cheeks pop

    25 Oct 2014 | 10:45 am
    This makeup trick will make your cheeks popShutterstockMany celebrities use this technique, which allows you to enhance and define facial features, to look red-carpet ready.How you can get the lookMore makeover tips Fun eye makeup idea for fallHow to rock leather pants
  • Video of really annoyed dog goes viral

    25 Oct 2014 | 10:45 am
    Video of really annoyed dog goes viralNewsyA hilarious video of pup Lou being really, really irritated is making the rounds on the Internet. What's got him in such a moodMore trending stories Halloween costumes for your petRestaurant name incites protests
  • Cafeteria worker tried to stop suspect

    25 Oct 2014 | 10:45 am
    Cafeteria worker tried to stop suspect GettyNew reports indicate that a lunchroom staff member at the Wash. high school tried to stop alleged gunman Jaylen Fryberg. One killed, several woundedMore headlinesPossible motive uncoveredCastrated sex offender to be freed
  • add this feed to my.Alltop

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

  • Mt. Logan sidecar & cat bonds help Everest Re lower its cost-of-capital

    Artemis
    24 Oct 2014 | 7:52 am
    Global reinsurance firm Everest Re’s Mt. Logan Re collateralized reinsurance sidecar and the use of instruments such as catastrophe bonds and ILW’s are helping the reinsurer to reduce its cost-of-capital and position itself for growth and profitability. The Mt. Logan Re third-party investor backed, fully-collateralized, reinsurance sidecar underwriting vehicle is Everest Re’s capital markets play for managing institutional investor money within its business. By providing investors with a vehicle to access and share in the returns from reinsurance business underwritten,…
  • Insurance and reinsurance needs to do more on climate change risks

    Artemis
    24 Oct 2014 | 4:05 am
    A new climate risk report produced by Ceres reveals that an alarmingly low level of insurers and reinsurers are moving in positive ways to tackle the increasing threat of climate change risks and that more needs to be done. The publication, “Insurer Climate Risk Disclosure Survey Report & Scorecard: 2014 Findings & Recommendations,” analyses 330 (about 87% of the U.S. insurance market by direct premiums written) U.S. re/insurers’ efforts and responses at tackling the growing impact climate change is having on economies and the insurance industry. And the general feedback…
  • Caribbean CCRIF wind policies (and cat bond) not triggered by Gonzalo

    Artemis
    24 Oct 2014 | 1:06 am
    Initial model runs suggest that Caribbean Catastrophe Risk Insurance Facility (CCRIF) member countries affected by tropical storm and hurricane Gonzalo will not receive a payout, which also means the World Bank – CCRIF 2014-1 catastrophe bond will be safe. According to the CCRIF, the parametric disaster insurance pooling facility for the Caribbean region, preliminary runs of the facilities loss model indicate that none of the tropical cyclone policies for the countries affected by Gonzalo have triggered, therefore no payout is due to them. Gonzalo affected four CCRIF member countries,…
  • Amlin signs agreement taking Leadenhall Capital Partners stake to 75%

    Artemis
    23 Oct 2014 | 11:59 pm
    Amlin plc, the non-life insurance and reinsurance group, has now signed the definitive agreement to increase its existing stake in insurance-linked securities (ILS) and reinsurance-linked investments manager Leadenhall Capital Partners to 75% of the firm. An agreement in principle had been announced in July, after the two firms reached terms as to how the increase in Amlin’s existing stake in Leadenhall would be actioned. Leadenhall Capital Partners LLP, a London-based ILS manager with $1.8 billion of insurance linked assets under its management, was formed in 2008 as a joint venture…
  • ACE seeks leadership role in evolving reinsurance market: Greenberg

    Artemis
    23 Oct 2014 | 8:22 am
    Global multi-line property casualty insurance and reinsurance firm ACE Limited wants to be at the forefront, taking a leadership role, as the use of capital evolves in the changing reinsurance marketplace, Chairman and CEO Evan Greenberg said yesterday. Greenberg discussed the changing market environment, which he noted as increasingly soft, as well as the way capital can be used on both sides of the re/insurer balance sheet, during ACE’s third-quarter earnings call yesterday. Greenberg began by saying that he was pleased with the way his underwriters had responded to the difficult…
 
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    GCCapitalIdeas.com

  • Hurricane Seasons That Changed The Industry: Landmark 2005 Hurricane Season

    GC Editor
    25 Oct 2014 | 4:30 am
    Guy Carpenter & Company released Part II of the two-part Ten-Year Retrospective of the 2004 and 2005 Atlantic Hurricane Seasons. Part II focuses on the 2005 hurricane season and the cumulative... Continue reading...
  • Week’s Top Stories: October 18 — 24, 2014

    GC Editor
    24 Oct 2014 | 5:00 am
    Centralization of Reinsurance Buying: It should come as no surprise that there is a general trend among larger cedents to centralize reinsurance buying decisions and retentions and to bundle... Continue reading...
  • Historical Development of Cyber (Re)Insurance

    GC Editor
    22 Oct 2014 | 10:00 pm
    Companies are uncertain of how much coverage to acquire and whether their current policies provide them with protection. One of the roots of the uncertainty stems from the difficulty in quantifying... Continue reading...
  • Cyber Insurance

    GC Editor
    21 Oct 2014 | 10:00 pm
    Cyber insurance has grown out of recognition that cyber-crime and data privacy are among the most concerning risks facing organizations today. With the increasing severity and frequency of... Continue reading...
  • Hurricane Gonzalo — Update

    GC Editor
    21 Oct 2014 | 7:32 am
    Hurricane Gonzalo approached Bermuda late Friday as a Category 3 hurricane on the Saffir-Simpson scale, before making direct landfall as a strong Category 2. Maximum sustained winds at landfall were... Continue reading...
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    InsureBlog

  • L'Chaim - To Life!

    24 Oct 2014 | 10:53 am
    Ebola. ISIS. Enterovirus. Scary stuff, and sure to get one considering one's own mortality. Not to mention the state of one's life insurance. Life Happens, "a nonprofit organization dedicated to helping Americans take personal financial responsibility through the ownership of life insurance and related products," has a new video out covering the basics.If you already own this invaluable coverage, perhaps it's time to review it: is it enough? Are my premiums and beneficiaries up to date?If you don't own a policy, have you considered whether you need one? What do your loved ones think about…
  • Cavalcade of Risk #220: Call for submissions

    24 Oct 2014 | 7:00 am
    Louise Norris hosts next week's edition. Entries are due by Monday (the 27th).To submit your risk-related post, just click here to email it.You'll need to provide:■ Your post's url and title■ Your blog's url and name■ Your name and email■ A (brief) summary of the postPLEASE remember: ONLY posts that relate to risk (not personal finance tips and the like). And please only submit if you are willing to link back to the carnival if your submission is accepted. Original content copyright © InsureBlog
  • Apples To Oranges? Try Rotten Bananas

    23 Oct 2014 | 11:21 am
    Fourth quarter GRANDMOTHERED small employer health insurance renewals have been rolling out. Many of them here in Ohio are in the 7%-15% range with few exceptions. These aren't easy for employers to swallow. Until I show them the ACA compliant alternatives. Benefits are Apples to OrangesStrict actuarial value guidelines are causing plans to be canceled. The plans replacing them must have a more cookie cutter benefit structure. There is little to no room for creativity or innovation from the insurance companies as they are bound by these new rules. The new benefits have different copays,…
  • Saving the MVNHS©

    23 Oct 2014 | 7:31 am
    On Facebook, Doc Emer asks "What's wrong with the NHS?" and links to a story about the service's "own answer to whether it can survive as a unique system of healthcare."I suggested that the more important question is whether (and why) the MVNHS© should be saved.After almost 10 years of blogging on the Much Vaunted National Health Service©, it seems to me that the problems are endemic, and systemic. One of the biggest challenges is that, contra its supporters, the folks who run it have had no more success in reining in health care costs than any other system, the Liverpool Pathway…
  • Health Wonk Review: All the leaves are brown edition

    23 Oct 2014 | 6:11 am
    Louise Norris hosts an outstanding edition of the Health Wonk Review. What's so outstanding about it, you ask? To begin with, it's a diverse group of posts, covering the ObamaTax to Ebola, virtual wards to healing prayer.Kudos, Louise!Original content copyright © InsureBlog
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    Workers Comp Insider

  • Health Wonk Review - the falling leaves edition

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

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

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

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

    Julie Ferguson
    10 Oct 2014 | 7:34 am
    Joe Paduda has posted this week's Health Wonk Review at Managed Care Matters. In keeping with the overall mission of HWR, he says that there's "lots of health policy stuff, all right here!" While at Joe's blog, also check out his post on drug formularies . He makes the case that despite progress that payers and PBMs have made in...
 
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    Managed Care Matters

  • Friday catch-up

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

    Joe Paduda
    23 Oct 2014 | 1:19 pm
    Thanks to Louise Norris, Colorado’s leading expert on all things health insurance related, for hosting this biweek edition of Health Wonk Review. Among the submissions are several on Ebola, including a very good piece on CDC Director Dr. Thomas Frieden.  I’ve been a bit shocked at the piling-on suffered by the good doctor; everyone from Bill Maher to Mitch McConnell has had nasty things to say about him and his agency – most of which is ignorant blather. There’s also a great synopsis of a post on health reform’s human side.  Something we forget far too often.
  • Med mal’s not a factor in health care costs – more evidence

    Joe Paduda
    21 Oct 2014 | 5:10 am
    More research indicates tight restrictions protecting physicians and facilities from malpractice suits doesn’t reduce health care costs. Three states, Georgia, South Carolina, and Texas, essentially prohibit suits unless the physician intentionally orders care that s/he knows will hurt the patient.  A pretty very high standard, and one that would – one would think – allow docs to practice care with no concern about “defensive medicine.” That may indeed be the case, however it is also the case that there’s no evidence that this high standard reduces cost.
  • Are the newly insured clogging the system?

    Joe Paduda
    20 Oct 2014 | 3:25 am
    We are starting to get some insight into how 10 million (plus or minus a couple million) newly-insured people will affect the health care delivery system. For years, we’ve been speculating about the impact of coverage expansion on care – Will the new influx of folks onto the rolls of the insured increase waiting times?  Will they clog up emergency rooms, labs, doctors’ offices and surgery centers? Will it be impossible to get into a primary care facility? Briefly, tighter supply early on, less so in the future as pent-up demand eases up. Here are the details… Using…
  • Physician dispensing in work comp; two victories!

    Joe Paduda
    16 Oct 2014 | 5:22 am
    I know, you are as tired of reading about physician dispensing in work comp as I am writing about it.  At last, there’s some very good news. Quick refresher – docs dispensing drugs adds about a billion dollars in excess drug costs – plus increases disability duration by 10 percent, medical costs, and total claims costs.  Dispensing docs also prescribe more opioids to more claimants. Benefits?  None, except huge profits to dispensing docs, dispensing companies, and their owners – we’re talking about you, ABRY. (investment firm that owns dispensing…
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    Insurance Industry Blog

  • Why Insurer Climate Risk Responses May Vary

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

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

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

    Claire
    15 Oct 2014 | 7:50 am
    Some 25 years after the Loma Prieta earthquake, the San Francisco Bay area faces increased risk of a major quake, two separate studies suggest. A study published online in the Bulletin of the Seismological Society of America says that sections of the San Andreas fault system—the Hayward, Rodgers Creek and Green Valley faults—are nearing or past their average earthquake recurrence intervals. It says the faults ‘are locked and loaded’ and estimates a 70 percent chance that one of them will rupture within the next 30 years. This would trigger an earthquake of magnitude 6.7 or…
  • Drones and Insurance

    Claire
    10 Oct 2014 | 8:27 am
    Unmanned aerial vehicles (UAV), otherwise known as drones, appear to be moving closer to commercial application, and property/casualty insurers are getting involved. On the one hand, insurers are looking at ways to use this emerging technology to improve the services they provide to personal policyholders, at the same time they are assessing the potential risks of commercial drone use for the businesses they insure. The Chicago Tribune this week reported that several home and auto insurers are considering the use of UAVs, and at least one has sought permission from the Federal Aviation…
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    Go Health Insurance Blog

  • Why Automatic Re-enrollment Might Not be Your Best Bet

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

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

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

    GoHealth
    14 Oct 2014 | 9:42 am
      Open Enrollment can be confusing. Do all of the deadlines blur together? Are you unsure when you can enroll in coverage? Do you know when your 2014 coverage ends? If not, GoHealth is here to help. Find out all the important dates you need to know to make sure you and your family get the health insurance coverage you need for 2015.
  • Breast Cancer Awareness Month: More than Just a Pink Thing

    GoHealth
    7 Oct 2014 | 9:52 am
    October is Breast Cancer Awareness Month, which is an annual campaign to increase awareness of the disease. Why do we dedicate an entire month to a disease that most people are aware of already? Because one in eight women born today in the United States will get breast cancer at some point in their lifetime. This statistic is not meant to be used as a fear tactic, but rather as a catalyst to incite action. When breast cancer is detected early (localized stage), the 5-year survival rate is 98 percent. Below are some early detection plans you can put in place for yourself and your loved ones.
 
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    JohnConner.com

  • Anthem Medicare Advantage Los Angeles County 2015

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

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

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

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

    John
    27 Aug 2014 | 2:07 pm
    Cruise & Tour Insurance  – Trip Cancellation & Interruption Insurance Best for travelers who are primarily concerned with insuring the non-refundable deposits of their trip. Learn More International Travel Insurance – Short Term Best for travelers while outside of their fixed and permanent residence for 12 months or less. This plan will pay for new illnesses new injuries based on the area where you are being treated. Learn More Student Insurance – In or Out of the U.S. Best for students who are traveling outside of their home country and engaged in full time…
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    Irish Life Blog

  • Our take on Budget 2015

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

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

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

    David Coldrick
    18 Sep 2014 | 3:40 am
    Another Gaelic football season reaches its climax this weekend. It’s a huge occasion for both sets of players, mentors and supporters. It’s no less an occasion for the match referee and his team. For anyone interested in how the referee is chosen for the biggest match of the year, the competition really starts at the quarter final stage of the championship! In recent years the All Ireland final referee has tended to be one of the quarter final referees so if you aren’t “lucky” enough to get a quarter final appointment, you pretty much know that you’re out…
  • IPhone6? How about Windows Phone 8.1?

    Gerard Coughlan
    11 Sep 2014 | 9:55 am
    With a fresh round of Apple hype about to emerge and fill up the Internet I thought that rather than fawn like a fanboy over the latest instalment of Apple bliss, I would extol the virtues of the latest version of Windows Phone 8. It may not be as trendy and it won’t gain you hordes of new friends, but it is very solid and a much cheaper alternative to Apple**. There are some excellent handsets to choose from – check out Nokia Lumia 930 or HTC 8X.  Alongside this, the features and capabilities have improved a lot with the biggest set of improvements released in July and currently…
 
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    Insurance

  • Service Spotlight: Maureen Felizzi

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

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

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

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

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

  • Flight Attendants Honored for Battle Against Workplace Sex Discrimination

    25 Oct 2014 | 6:00 am
    The Association of Flight Attendants-CWA (AFA-CWA) was honored for its “pioneering role” in fighting sex discrimination in the workplace at a ceremony this week marking the 50th anniversary of the Civil Rights Act of 1964. The Chicago event was part of a yearlong series of events by the U.S. Equal Employment Opportunity Commission celebrating the landmark civil rights law.
  • Time Magazine Attacks Teachers

    24 Oct 2014 | 11:00 am
    The cover of Time magazine's forthcoming Nov. 3 issue shows a pretty significant misunderstanding of an important issue when it attacks teachers, blaming them for the problems in America's schools. The cover is featured already on Time's website, and soon it will be in every supermarket checkout line and newsstand in the country. AFT is calling the magazine to task for the cover and has launched a petition demanding that Time apologize for the cover.
  • FairPoint Workers Receive Boost from Shuler

    24 Oct 2014 | 6:00 am
    AFL-CIO Secretary-Treasurer Liz Shuler joined striking FairPoint Communications workers Wednesday on picket lines in Portland and Brewer, Maine. She called FairPoint’s demands for massive concessions “economic inequality in action. It’s a classic case of Wall Street and the richest 1% stomping on the rest of us.”
  • AFL-CIO's Gebre Inspires Immigrant Voters in Denver

    23 Oct 2014 | 12:05 pm
    AFL-CIO Executive Vice President Tefere Gebre joined community leaders and immigrant voters in Denver on Wednesday to remind workers of the importance of voting in this year's elections. Gebre, the labor federation's first immigrant executive officer, visited Colorado as part of an action to encourage immigrant voters and workers to support working family candidates.
  • What Drives You?

    23 Oct 2014 | 10:33 am
    You’re the kind of person who votes, and this year, your voice at the polls is more crucial than ever.   What issue is driving YOU to the polls this year?  Text VOTE to 235246 for important election updates.
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    IFAwebnews.com | P/C insurance

  • Report ranks U.S. insurance companies on climate change responses

    IFAwebnews Staff
    23 Oct 2014 | 7:40 am
    A new report from Ceres ranks the nation’s 330 largest insurance companies on what they are saying and doing to respond to escalating climate risks in response to what the organization says is growing evidence that climate change is having wide-ranging global impacts that will worsen in the years ahead. The report found strong leadership among fewer than a dozen companies but generally poor responses among the vast majority. Ceres is a nonprofit organization that it says advocates for sustainability, and subsequently mobilizes buisnesses and public interest groups to build a “healthy…
  • As virus spreads, insurers exclude Ebola from new policies

    IFAwebnews Staff
    23 Oct 2014 | 7:10 am
    As fear of Ebola infections spreads to developed economies, U.S. and British insurance companies have begun writing Ebola exclusions into standard policies to cover hospitals, event organizers and other businesses vulnerable to local disruptions. As a result, new policies and renewals will become costlier for companies opting to insure business travel to West Africa or to cover the risk of losses from quarantine shutdowns at home, industry officials told Reuters. While Ebola has killed more than 4,500 people in West Africa, and other diseases such as influenza are arguably more likely to…
  • Western World CEO retires following acquisition of company

    IFAwebnews Staff
    21 Oct 2014 | 3:58 pm
    Thomas F. Mulligan, president and CEO of Franklin Lakes, N.J.-based Western World Insurance Group, will retire from the firm following its acquisition by Validus Holdings. Mulligan’s retirement will be effective Jan. 1, 2015, after 33 years of continuous service to the company. Thomas Mulligan Mulligan will continue to support the company through his participation on the Western World Board of Directors. Robert J. Livingston, the current Chief Operating and Chief Financial Officer, who has been with Western World for 37 years, will assume the role of president and CEO. On Oct. 2, 2014,…
  • First Commonwealth acquires Pennsylvania agency

    IFAwebnews Staff
    21 Oct 2014 | 3:27 pm
    First Commonwealth Insurance Agency, a subsidiary of First Commonwealth Financial Corporation, acquired Thompson/McLay Insurance Associates in Indiana, Pa. Terms were not disclosed. Thompson/McLay has been in business for 29 years and serves thousands of regional clients through home, auto, commercial and specialty insurance lines. Following the acquisition, Thompson/McLay will retain its name and operate as a division of First Commonwealth Insurance Agency. Mike McLay “We are excited to welcome Thompson/McLay and its talented team to the First Commonwealth family,” noted Michael…
  • Lawley expands metro NY footprint with acquisition of NJ agency

    IFAwebnews Staff
    21 Oct 2014 | 3:10 pm
    Lawley Insurance added to its New York City region footprint by acquiring S. Turteltaub Sons of Bayonne, N.J. Terms were not disclosed. The merger added two former Turteltaub employees into the Lawley Sachs office in Florham Park, N.J., which increased the tri-state region office to 32 employees. Christopher Ross Bringing new employees into the growing New Jersey branch office is part of the overall New York City and downstate growth plan for the independent broker, which was ranked as the 54th largest broker in the United States this year, according to Lawley Insurance. “We continue to…
 
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    Insure Life Surpasses Your Expectations

  • Top Ten Life Insurance Benefits

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

    14 Sep 2014 | 8:09 am
    Life insurance can provide many benefits to multiple stakeholders, including the policy insured and beneficiaries.  To achieve the desired level of benefits from a life insurance plan, it is important to implement a Benefits Realization plan.  A Benefits Realization plan helps ensure that the expected benefits are known, the potential issues and risks that may impact the plan are accounted for, and the policy is proactively managed to help ensure the expected benefits are achieved.Life insurance is purchased for a variety of reasons, and the purpose varies by product type. …
  • Life Insurance Planning: Products, People, and Processes

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

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

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

  • Let this Be a Lesson

    somarco
    25 Oct 2014 | 8:45 am
    [URL="http://www.tickld.com/x/the-best-phone-call-ever"]http://www.tickld.com/x/the-best-phone-call-ever[/URL]
  • New Florida Agent - Go Captive or Independent?

    New2014
    25 Oct 2014 | 7:51 am
    Hi Folks! I'm a brand new agent who just got licensed. I've been in sales a long time so I'm confident and experienced, but never sold insurance yet. From the research i've done i know I want to sell Final Expense, but I'm split 50 / 50 between deciding to go captive or join an insurance group and be semi independent. What would you advise? The subjects which could make me swing either way are leads & training. If I went captive their is a reputation of great leads with certain companies. If I went semi-independent and joined an insurance group then I understand i would get big
  • I Think this is the Golden Goose of Leads Possibly?

    digfesales105
    25 Oct 2014 | 6:40 am
    I've thought about this for some time and guess I will take the plunge here. We have been perfecting our leads for a few years now. Though I think we have one of the BEST leads and quality leads for the Final Expense business...I want to get some ideas from the sources. So...if you could develop the ultimate lead script for tele-marketed leads... WHAT WOULD IT BE??? I have the ability and cash flow to test multiple scripts on a whim. I don't know that I would change my household income or age range. Please remember we sell final expense so I like the people we are calling on now
  • Annuity with Long Term Care Rider

    ryeates1
    25 Oct 2014 | 5:53 am
    anyone familiar with an annuity and long term care rider policy? who sells these? and does this policy qualify for tax free withdrawals as is cited in the new regulation. this is a really interesting concept
  • State Life Fixed Indexed Annuitycare

    jmhalvo
    25 Oct 2014 | 5:44 am
    Anyone taking a look at this new product yet? Or used to do it all? Seems very promising, in that the premium is always guaranteed. It is a hybrid with options for inflation and unlimited benefit. Also, if long-term care is never needed, the principle is still there. At first glance,looks good
 
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    bestcarinsurancecompanies.net

  • CURE Auto Insurance Review

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

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

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

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

    6 Oct 2014 | 6:33 am
    Sometimes it just doesn’t make sense to take out a full policy for coverage on an automobile. This circumstance may arise if you plan to borrow a friend’s car for a few days, add someone to your insurance for a week, are visiting a particular area only for a short time, or need drive-away insurance upon purchasing a car. Lasting up to 28 days, adding on a separate short-term car insurance policy gives you temporary coverage for other drivers on your vehicle without putting added stress or expense on your main car insurance, according to the Automobile Association. Benefits…
 
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    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

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

    Wayne Mccormick
    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?

    Wayne Mccormick
    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?

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

    Wayne Mccormick
    3 Sep 2014 | 9:05 am
    Personal Insurance McCormick Insurance Solutions is committed to educating your clients on San Diego personal insurance including auto, home, boat, motorcycle and RV coverage. We know that if you are educated about your insurance needs and understand what you are purchasing, you will make an informed decision. Home and auto insurance can be confusing and unlike some advertisements for the mega firms, we take more than seven minutes to design and shop your coverage. Personal Insurance IQ Test 1. Is my $3,000 diamond ring covered under my homeowner’s policy?2. Flood insurance is not provided…
  • Keep Your San Diego Home Safe While on Vacation

    Wayne Mccormick
    27 Aug 2014 | 9:10 am
    Home Safety As you head out this summer for that Griswold family vacation, take a few moments to protect your home so it will be there upon your return. While homeowner’s insurance covers many types of losses, the following facts and safety tips might just help prevent a loss from happening.   Home Burglary facts (Source FBI, Harris Interactive Polls) 23% of burglars get in through the back door. Homes with security systems have a 30% less chance of being targets. A majority of convicted burglars say they avoid homes with alarm systems. 20% of homeowners say they leave their doors…
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    Property Casualty Insurance Blog

  • ISO ClaimSearch audits: What you need to know

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

    Sanford Brown
    22 Oct 2014 | 1:07 pm
    To minimize uncertainty, an effective risk management program has to begin with complete and accurate data. “Garbage in, garbage out” is a cliché, but overuse hasn’t diminished its relevance. You can have the best catastrophe model in the industry, but if the data is incomplete or wrong, your model will produce inaccurate results. That leads to poor underwriting and pricing information. Here’s a pretty straightforward example of how incomplete data can dramatically affect your model. An insurer had only basic information for a commercial property — a motel — in Fort Lauderdale,…
  • PCS Catastrophe Update: U.S. and Canada

    Ted Gregory
    22 Oct 2014 | 4:02 am
    So far this year, North American catastrophe activity has caused nearly $14 billion in insured losses, according to the Small Rise: PCS Q3 2014 Catastrophe Review report, the latest quarterly catastrophe update from PCS.  PCS designated 26 U.S. catastrophe events in the first nine months of 2013. Though insured losses climbed 13 percent from the first nine months of 2013, they still trailed the ten-year average. Despite unchanged year-over-year frequency in the United States for the first nine months of the year, the resulting industry-wide loss estimates are considerably different. U.S.
  • ISO Short-listed for 2014 British Legal Awards

    Tom Johansmeyer
    21 Oct 2014 | 7:30 am
    The ISO Claims Outcome Advisor team in the UK has been shortlisted for the 2014 British Legal Awards. ISO is one of seven finalists in the Supplier of the Year category. The nomination is based on the effectiveness of the innovative PICAS Plus tool, which has helped solicitors remain competitive in the wake of the Jackson Reforms. According to The Law Society, the reforms could lead to solicitor fee reductions of 15 percent to 50 percent over the next three years. The automation afforded by PICAS Plus can help solicitors reduce overheads, increase efficiency, and generate more profit per…
  • The Internet of Things — Back To The Future … All Over Again

    Shawn Dougherty
    20 Oct 2014 | 3:37 am
    When I was growing up, I was a huge fan of the Dick Tracy comic strip and television shows like The Jetsons and Star Trek. Back then, in the days of rotary dial telephones and party lines, I thought that it would be great if I could talk to someone with Dick Tracy’s wrist radio, or Captain James T. Kirk’s communicator. I dreamed of having a home like the one in The Jetsons that talked to you and anticipated your almost every need. Flash forward “eh-hem” a number of years and it seems like we’ve certainly charted a course “…to boldly go where no man has gone before.”  What was…
 
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    Life Insurance Insights

  • Leadership Part 8

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

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

    Mike
    16 Oct 2014 | 12:00 pm
    Continuing on the importance for leaders to have a Positive Attitude Feel Good About Yourself Come on!  You do have good qualities.  What are they?  Make a list.  Are you smart, caring, understanding, well educated, well connected?  Do you smile a lot?  Are you a good public speaker; capable writer?  Do you look good when you dress up?  Do you have good health?  Are you good with numbers?  A good lover?  Are you dependable; show up on time?  Are you creative?  What about your organizational skills? Work on this list and make it as long as possible.  While you’re at it, also…
  • Leadership Part 5

    Mike
    14 Oct 2014 | 12:00 pm
    Moving on in this discussion of leadership to the second trait:  Positive Attitude. Golden Retrievers are wonderful creatures.  They are great tail waggers.  It doesn’t matter how bad their day might have been.  You may have left them alone all day.  Maybe you forgot to feed them before you went out for the night.  Perhaps you just gave them hell for chewing up your new shoes.  Maybe you feel lousy, so you just didn’t say good morning to them. Positive Attitude (Or, How to Wag Your Tail) It doesn’t matter; Golden Retrievers always wag their tail at you—and—smile in a doggy…
  • Leadership Part 4

    Mike
    11 Sep 2014 | 10:00 am
    Concluding the elements that go into Presence in a leader. Succinctness Don’t you wish this was a trait that all of our leaders possessed?  Wouldn’t it be great to turn on “Meet the Press” one Sunday morning and actually have a politician answer a question with a simple “Yes” or “No” when that is all that is called for?   But that seldom happens with politicians. They go on and on and on and in the end very often don’t answer the question that was asked. Leaders in business do a much better job at being succinct than do politicians.  But many striving for leadership in…
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    SelectNews Blog

  • Can Pets Keep You Healthy?

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

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

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

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

    SelectQuote
    3 Oct 2014 | 8:38 am
    “Happiness is not something ready-made. It comes from your own actions.” ~Dalai Lama Finding joy in everyday life is an important mission that can lead to a more satisfying, healthier life for anyone. Joy is defined as a feeling of great pleasure or happiness, and as indicated in the quote above, it doesn’t simply happen by accident. Joy is a state of mind and a mode of being that must be accessed through specific experiences and circumstances that provide some basic sensations of elation and happiness. The following list of activities can help increase the joy factor in your life –…
 
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    Shift Insurance Blog

  • 7 Things That Separate Your Insurance Agent from the Pack

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

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

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

    12 Sep 2014 | 4:07 pm
    If you're getting ready to move to California, you've probably got a million things to worry about.  We don't want to stress you out, but new car insurance needs to be right at the top of your to-do list.  But in an effort to make things as easy as possible on you, we've narrowed down all of the information you need into five easy-to-read sections: 1.  You're required to have certain kinds of car insurance If you plan on driving your car around the Golden State, you're going to need a few different types of car insurance.  Specifically, California law requires every driver…
  • 8 Questions to Ask Before You Buy a Car Insurance Policy

    2 Sep 2014 | 12:24 pm
    If you want the perfect car insurance policy, you've got to take an active role in the buying process.  Specifically, you've got to channel your inner-detective and ask your insurance agent these 8 questions: 1.  "How much coverage do I need?" Here in California, state law requires you to have at least $5,000 worth of property damage liability insurance, $15,000 worth of bodily injury liability insurance to cover the injury or death of one person in a crash, and $30,000 worth of bodily injury liability insurance to cover the injury or death of more than one person in a crash. …
 
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    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • How much does it really cost to learn to drive?

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

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

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

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

    qldb_admin
    14 Oct 2014 | 9:33 am
    Tech Savvy Teens In the not too distant past the most expensive thing you could find in a school satchel was a simple Casio calculator the size of a house brick. However, today’s teens are turning-up at the school gates with electronic gadgets that add up to an average of £130. Research by a leading insurance price comparison site has found that nearly 50% of schoolchildren take a mobile phone to school (often hand me downs from older siblings and parents) and 8% regularly take tablets to work on. Teenagers generally aren’t known for looking after their possessions (if you need proof…
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    The Esurance Blog

  • The 10 Most Stolen Cars (and How to Prevent Yours from Being One)

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

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

    Jessica Guerin
    17 Oct 2014 | 5:00 am
    Are you cool as a cucumber behind the wheel? Or do other drivers bring out the beast in you? Take our driving-style quiz and find out! The post What’s Your Driving Style? (Quiz) appeared first on The Esurance Blog.
  • The Top 3 Reasons to Download Esurance Mobile (Plus Exciting News For iPhone Users)

    Jennifer Wood
    15 Oct 2014 | 5:00 am
    Find out why Esurance Mobile is a must-have app for any policyholder. Plus check out our new and improved iPhone app! The post The Top 3 Reasons to Download Esurance Mobile (Plus Exciting News For iPhone Users) appeared first on The Esurance Blog.
  • How to Get Rid of Mice in 4 Steps (and 4 Mousey Tidbits)

    Rachael Heller
    13 Oct 2014 | 11:34 am
    Have you recently discovered that you’re sharing your home with some unwelcome visitors? Find out how to get rid of mice (and learn more mouse info than you ever needed to know) in 4 steps. The post How to Get Rid of Mice in 4 Steps (and 4 Mousey Tidbits) appeared first on The Esurance Blog.
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    Health eDeals Blog

  • Survey: Two-Thirds of Obamacare Insured Will Change Health Insurance Plans in 2015—Should You? 10 Questions to Ask Yourself During 2015 Open Enrollment

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

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

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

    13 Oct 2014 | 12:21 pm
    The common cold and flu are well known seasonal health conditions that appear around this time of year. Although they cause discomfort, the symptoms are temporary and go away in due time. Unfortunately, enterovirus, which has more recently been on parental radar, could be more severe and cause long-lasting effects and even death. Just last week, the first death from the virus was confirmed.1 On October 12, a Michigan toddler died from the virus as well.2 Because its symptoms are similar to the common cold,3 many may be lead to believe that the virus should be taken lightly. Unfortunately, in…
  • Myths More Contagious than the Ebola Virus Itself

    10 Oct 2014 | 11:00 am
    Even if you don’t consider yourself an individual who keeps up-to-date with all current events, it is almost guaranteed you have heard about the Ebola virus. Getting to know the facts, especially in a case of this magnitude, is important to putting a stop to the health rumors flying around. Ebola can only be contracted through close and direct contact with infected bodily fluids, blood and secretions.1 According to the Center for Disease Control and Prevention, the virus can stay alive on dry surfaces for several hours and when in blood, can survive for several days at room…
 
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    The Murray Group

  • JP Morgan Teaching NY Businesses a Lesson in Data Breaches & Cyber Security

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

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

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

    Ryan Murray
    17 Sep 2014 | 11:16 am
    An effective injury and illness prevention program will go a long way in creating a healthy workplace environment and reducing NY business insurance rates, specifically workers compensation. An injury and illness prevention program is a proactive process to help employers find and fix workplace hazards before workers are hurt. Whether you are a contractor, manufacturer or small retailer, all businesses should have an injury and wellness prevention program. This type of a program is not required for most businesses in NY. However, The Murray Group highly recommends that all businesses…
  • NY Homeowners Insurance and Your Child at College

    Ryan Murray
    10 Sep 2014 | 11:09 am
    You’ve just dropped your child off at college for the first time, and NY homeowners insurance is probably the last thing on your mind. You haven’t thought about protecting the expensive computer. You didn’t think about the total value of the belongings your child brought with him. You didn’t have a talk with your child about how he can safeguard his belongings. Here is why you should. Your NY homeowners policy extends to your child at college, but you must review your policy before a loss occurs. The standard homeowners policy, HO3, will provide 10% of the contents…
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    Life Insurance Quotes

  • Financial Implications of Accelerated Death Benefits

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

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

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

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

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

  • A Glimpse into the Future of Singapore Roads?

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

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

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

    Paul Cypert
    24 Sep 2014 | 1:57 am
    9UBCFJ5WDZF8Owning a Furry Friend Could Save Your Life By Paul Cypert Turns out having a pet gives you more than just something cute to post on social media.  Long-time pet owners share the joys of animal companionship with a zeal usually seen in religious converts. The responsibilities, interactions, joys and silliness add an extra richness to their daily lives they can’t help sharing. Turns out their enthusiasm may have been justified. Studies show the benefits of owning a pet exceed what we previously knew. Maybe you bought a puppy to add some cuteness to your life or teach a bit of…
  • 7 Surprising Truths About the Health Benefits of Travel

    Claire Vorster
    19 Sep 2014 | 12:13 am
    9UBCFJ5WDZF87 Surprising Truths About the Health Benefits of Travel By Claire Vorster “Not all those who wander are lost,” said J.R.R Tolkien, author of the epic Lord of the Rings series – a man who clearly knew about the joy of other places.  And it seems Singaporeans agree as we are travelling abroad in ever increasing numbers. In 2012 we made over million trips abroad, that’s an increase of almost four percent from 2011 and a massive 85 percent leap from 2001. So why should we invest our hard earned cash in going somewhere else? And are there real benefits to prioritizing new…
 
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    autoinsuresavings.org

  • 5 Hidden Costs of Buying A New Car

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

    Shaun Fyffe
    3 Oct 2014 | 5:38 am
    You spend a lot of time in your car. In fact, if you’re like most people, your car is your home away from home. But are you getting the most out of it? Finding a simple trick or hack to make life in your car easier can pay huge dividends, in terms of both time and money saved. Below are a few such hacks that can make your 2nd home feel less like a box and more like a palace. The Most Powerful Tool You’ll Ever Have in Your Car There’s one thing that can make the biggest difference in terms of your overall driving experience, and it’s something you’re probably not getting the most out…
  • Ford and Hyundai to Unveil New Hybrids to Compete with the 2016 Prius

    Jordan Perch
    10 Sep 2014 | 9:17 am
    Toyota has managed to maintain leadership in the global hybrid market for over a decade now, thanks to the best price/performance ratio, with cumulative global sales getting close to the 4 million mark, but it seems that it won’t be able to rest on its laurels for much longer, with a few car makers developing hybrid vehicles that could fight the Prius in the future. Ford C-Max Hybrid on display at the entrance to Ford’s Wayne Stamping & Assembly plant. For use creativecommons.org licenses by 3.0 Ford and Hyundai have emerged as the most serious potential rivals to Toyota in…
  • Road Trips Turn Out to Be More Expensive Than People Think

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

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

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

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

    Jim Holm
    4 Sep 2014 | 12:43 pm
    My daughter played multiple youth sports growing up and eventually played soccer for Coe College. It was a wonderful experience for her, which has taught her a great deal she can call upon her entire life. She is a math teacher in a middle school just outside of Madison WI and has already started coaching.I’m […]
  • Mazda, Google, Or You? Who Will Decide If You Will Continue to Drive a Car?

    Jim Holm
    24 Jun 2014 | 10:31 am
    “After a lifetime of driving, repairing and studying automobiles, I have come to an unavoidable conclusion – we are the weakest link in a car. As car components go, human beings are deeply substandard – we have imperfect perception, we are ruled by emotion, and we vary wildly in quality.” Peter Cheney, award winning Canadian […]
  • Farmers Insurance Sues Over Climate Change

    Jim Holm
    30 May 2014 | 7:35 am
    “What the heck???!!!” You’ve probably heard the news that Farmers Insurance filed a suit against about 200 Chicago-area municipalities. The suit contends that those municipal governments knew the risk posed by climate change and should have been better prepared. Farmers Insurance is seeking damages for losses caused to their insureds’ homes by the surge of […]
  • Ethics and Insurance

    Jim Holm
    6 May 2014 | 3:09 am
    I started my career in 1970 in a management trainee program for the Continental Insurance Company of New York. The two-year course included classroom instruction in the Chicago office from the corporation’s top management in the various departments. As I recall, even though the course went into great detail with subject matter that ranged from […]
 
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    Agency Eagle

  • Self Service Insurance Certificates for Contractors

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

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

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

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

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

  • “Others equal all the colours of the painter” – the changing brilliance of opal

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

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

    Sara Jaspan
    3 Sep 2014 | 2:40 am
    September is national Hearing Awareness Month. Why raise awareness? Hearing loss is a major public health issue affecting over ten million people in the UK – that’s one in six of the population. This figure is predicted to rise 14.5 million over the next 20 years. Common causes Age is the biggest single cause. Beginning from around 30 years old, most people develop significant hearing problems by the time they reach 80. Presbycusis (as it is medically termed) affects more than 70 per cent of over 70 year olds, and 40 per cent of over 50 year olds. Noise induced hearing loss is another…
  • Can you tell your emeralds from your peridots?

    Sara Jaspan
    29 Aug 2014 | 2:23 am
    First coined by the ancient Egyptians as the ‘gem of the sun’, peridot’s gold-tinted citrus hue has long-since been celebrated across many cultures as a symbol of vitality, renewal and even Mother Nature herself. A case of mistaken identity Yet despite being one of the few gems to come in only one colour, the August birthstone has endured a history of misidentification, being commonly confused with its equally-green May look-alike: emerald. Many historians now believe that Cleopatra’s famous emerald collection was in fact peridot, while for centuries the fabulous 200-carat peridot…
  • Cycling Safety

    Bob Andrews
    28 Aug 2014 | 4:01 am
    Cycling Safety. – The Basics. If you are going to take to the roads on your Pedal Cycle, it’s essential to first of all ensure your bicycle is fit to be used on the road and that both brakes and lighting comply with any legal requirements (Please refer to our previous article) We also suggest that you read the “Highway Code” and not just the sections that relate to bicycles. Although it is not the law, we feel it is sensible to have some form of bicycle insurance in force and if you contact our office we will be pleased to help you with this. Bicycle insurance can help to…
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    Enhanced Insurance

  • Electronic Proof of Insurance: Real or Fake?

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

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

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

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

    Jim Holm
    24 Sep 2014 | 7:34 am
    The sad story of Adrian Peterson has left many in Minnesota saying “Uffda!” Peterson was one of the NFL’s star players. He was the MVP in 2012, overcoming adversity after tearing his ACL in the last game of the previous season. He ran for 2097 yards, just nine short of the all-time season record. His amazing running style featured an apparent desire to run through a defensive back rather than elude him. Many, including Peterson, predicted that eventually he would break Emmitt Smith’s career rushing record and become the best running back in the history of football. Now, because of…
 
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    Montgomery & Associates

  • Keeping You—and Your Stuff—Safe When Traveling

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

    MAadmin
    30 Sep 2014 | 3:33 pm
        Have you ever questioned the logic of life insurance? Perhaps your thoughts run something like this: “I pay every month for a service that I can’t see or touch, so why am I doing this?” Of course you know that life insurance isn’t about you—it’s about your family. Even those without any “successors” can benefit other things like charities with their life insurance policies. Following are three life insurance myths exposed—to show you just how valuable life insurance can be.   #1: I Have So Many Assets that Life Insurance Is a Waste Hey, maybe you’re a…
  • You Only Live Once—So Why Get Insurance?

    MAadmin
    16 Sep 2014 | 3:33 pm
        YOLO. If you haven’t heard about it by now, allow this post to enlighten you: You Only Live Once. This modern “philosophy” is gaining sway especially among the younger generations, but what does it mean for all of us when it comes to insurance? The concept of YOLO lends itself to a devaluing of consequences. When someone calls “YOLO!” at a daredevil event like a skateboarding competition, it usually means someone is about to do something stupid (like put their life at risk). Since “YOLO so the consequences don’t matter” is the impression society has, YOLO becomes…
  • Are You a Prepper—a Fall Prepper, That Is?

    MAadmin
    2 Sep 2014 | 10:02 am
        Whether or not you realize it, you’re on a seasonal schedule of home maintenance here in the southern US. We’ve got all four seasons, which means we can’t leave our stuff in the same condition year round. Your home is your biggest investment, and that means you should go beyond insuring it to keeping it in good shape. Right now, we are all gearing up for the new school year and for fall. What does fall mean for your yard? We’re glad you asked.   Closing Up the Pool Backyard pools are a tried and true way to beat the summer heat in Tennessee, so many of us have…
  • To Be Local, Or to Be Commercial? That Is the Question

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

  • Convenient Guidance You Can Use to Improve Disaster Protection Arrangement

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

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

    Eric C.
    15 Sep 2014 | 1:00 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - . Life Insurance Explained The subject of life insurance is for the most part not one that is usually talked about. Despite the fact that this is genuine, it is additionally genuine that you ought... Life Insurance Explained Eric C.
  • You simply Look at and Get Ease Protection Cites for Vehicles

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

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

  • Define term life insurance

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

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

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

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

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