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Recovery of Consequential Damages after Foreclosure RECOVERY OF CONSEQUENTIAL DAMAGES AFTER FORECLOSURE

blog article

May 23, 2019

Depending on the jurisdiction, one element of an insured’s damages in a first-party property insurance claim may include consequential damages. Consequential damages are an indirect result of a direct loss.1 Lost profit, lost rents, and lost business opportunities are examples of consequential...

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Non-Renewal or Cancellations of Commercial Insurance Policies in Puerto Rico after Hurricane Maria NON-RENEWAL OR CANCELLATIONS OF COMMERCIAL INSURANCE POLICIES IN PUERTO RICO AFTER HURRICANE MARIA

blog article

May 22, 2019

Many Policyholders in Puerto Rico are concerned about the notifications of non-renewal or cancellations they received after Hurricane Maria claims. This is a matter that affects both residential and commercial Policyholders. The process of obtaining insurance coverage from a different insurance comp...

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Some insurance tips travelers need to know SOME INSURANCE TIPS TRAVELERS NEED TO KNOW

blog article

May 22, 2019

For many, there’s nothing like travel. The opportunity to experience new places, people and cuisines keeps you packing your bags and booking tickets to places near and far. But before you head out on your next trip, you may want to consider insurance designed to protect you while on the road.D...

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Event insurance: Do I need insurance for my event? EVENT INSURANCE: DO I NEED INSURANCE FOR MY EVENT?

blog article

May 22, 2019

If you’re planning a big event and/or shindig, you’ve got a lot on your plate. There are a lot of moving pieces and a lot of things to juggle, from getting a venue to booking a caterer to sending out invitations. You might be worried that something could go horribly wrong to derail the e...

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How Do I Get Roadside Service Coverage with My Auto Policy? HOW DO I GET ROADSIDE SERVICE COVERAGE WITH MY AUTO POLICY?

blog article

May 21, 2019

Whether it’s a dead battery or other mechanical failure, a flat tire, empty gas tank or you’ve locked yourself out of your vehicle, Emergency Roadside Service Coverage from ERIE is here to help.To learn more, we sat down with Jon Bloom, vice president, Personal Auto, to help shed some li...

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Texas Hail Claims – Know Your Rights Under Chapter 541 of the Texas Insurance Code TEXAS HAIL CLAIMS – KNOW YOUR RIGHTS UNDER CHAPTER 541 OF THE TEXAS INSURANCE CODE

blog article

May 21, 2019

If your home was burglarized, would you sit back and do nothing? No. You would likely call the police or law enforcement to report the burglary, and hope they find your stolen property. If the police arrested the person who stole your property, would you let that person off without punishment, accou...

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What is temporary life insurance coverage? WHAT IS TEMPORARY LIFE INSURANCE COVERAGE?

blog article

May 16, 2019

The life insurance industry can often seem like it speaks its own language. There are terms like fluid less,proposed insured, and riders- all of which understandably can cause a bit of hesitation and head-scratching. In the life insurance purchasing process, you might come across a phrase called Tem...

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EQUIPPING INSURANCE WORKFORCES FOR AI – THE MISSING MIDDLE SKILLS EQUIPPING INSURANCE WORKFORCES FOR AI – THE MISSING MIDDLE SKILLS

blog article

May 16, 2019

The adoption of artificial intelligence (AI) technologies will transform the financial services industry and enterprises fast. Without insight into how the workforce needs to change, what skills are needed and how they could be acquired, many insurers are stalling. Accenture’s research provide...

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UCP posturing around public sector wages portends a return to perpetual crisis in health care UCP POSTURING AROUND PUBLIC SECTOR WAGES PORTENDS A RETURN TO PERPETUAL CRISIS IN HEALTH CARE

blog article

May 16, 2019

The United Conservative Party Government's transparent early manoeuvres around public sector wage negotiations and the heavy hints found in a paper by the chair of Premier Jason Kenney's "blue ribbon panel" on Alberta's finances portend a stormy period ahead in public sector la...

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Medicaid Eligibility Restrictions Will Impede Delivery System Reform MEDICAID ELIGIBILITY RESTRICTIONS WILL IMPEDE DELIVERY SYSTEM REFORM

blog article

May 16, 2019

Recently, the Department of Health and Human Services (HHS) announced new primary care payment models designed to increase the share of clinicians that accept value-based payments. This announcement builds on bipartisan support for health care delivery system reforms that reward clinicians for manag...

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How Roanoke, Virginia, Is Addressing Income Disparities And Their Impact On Health Outcomes HOW ROANOKE, VIRGINIA, IS ADDRESSING INCOME DISPARITIES AND THEIR IMPACT ON HEALTH OUTCOMES

blog article

May 15, 2019

The link between poverty and health outcomes is well recognized. Recent Health Affairs Health Policy Briefs on these trends have shown a strong connection between people’s income and their health. It is also widely known that poverty is not an equal opportunist: Minority populations generally ...

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What Illnesses Are Covered by Critical Illness Insurance? WHAT ILLNESSES ARE COVERED BY CRITICAL ILLNESS INSURANCE?

blog article

May 13, 2019

What is Critical Illness Insurance? Critical illness insurance can be taken out as a stand-alone policy or as part of a life insurance policy. Either way, it will pay out a pre-determined amount if the insured individual is diagnosed with a specified critical illness. The specific terms & condit...

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Insuring the Times of Your Life INSURING THE TIMES OF YOUR LIFE

blog article

May 13, 2019

Preston Newby was a youth minister. He and his wife, Tara, were driving with their son to visit family-excited to announce a new baby on the way. In the keeping with the kind of person Preston was, he stopped to help at the scene of an accident. That’s when he was struck by another car and kil...

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What Does Workers Comp Insurance Cover? WHAT DOES WORKERS COMP INSURANCE COVER?

blog article

May 12, 2019

Workers compensation is required in Idaho Falls, ID and will cover expenses that are related to an employee’s work-related injury or illness. It can cover immediate costs, as well as long-term costs. There is also a portion that will cover legal fees if an employee is suing your organization.1...

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How to Pick Your First Homeowners Insurance Policy HOW TO PICK YOUR FIRST HOMEOWNERS INSURANCE POLICY

blog article

May 10, 2019

Purchasing your first home can be an overwhelming process, one fraught with emotion and a seemingly endless stream of paperwork and documentation. For many people, a home is the most significant purchase of a lifetime, making it even more critical to protect this investment with a thoughtfully chose...

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What is the Purpose of Key Man Insurance? WHAT IS THE PURPOSE OF KEY MAN INSURANCE?

blog article

May 09, 2019

If you have ever asked yourself: “What is the purpose of key man insurance?”, read on to learn what this important form of business protection is all about. Key Staff. Every business, regardless of industry or size, typically has one or several key members of staff who are crucially impo...

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What Is an Excluded Driver on Your Insurance Policy WHAT IS AN EXCLUDED DRIVER ON YOUR INSURANCE POLICY

blog article

May 09, 2019

It’s important to read all of the details in your car insurance policy as soon as you receive it. One key area to look at is who has coverage on your policy. Also, notice any excluded driver. This is a person who should not be behind the wheel of your car. If they are there, your auto insuranc...

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How GEICO Became the Second Largest Auto Insurance Company in the U.S. HOW GEICO BECAME THE SECOND LARGEST AUTO INSURANCE COMPANY IN THE U.S.

blog article

May 09, 2019

One frequently asked question we often get is this: Is GEICO a good car insurance company?
The answer is primarily ‘yes’ and in this article we are going to be exploring how GEICO insurance company grew to become the second largest car insurance company in the United States. To le...

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What is Home Insurance and Why Do You Need It? WHAT IS HOME INSURANCE AND WHY DO YOU NEED IT?

blog article

May 07, 2019

Buying a home, and becoming a homeowner, has many advantages, but it comes with some responsibilities as well. Although it’s not the most exciting thing in the world, home insurance is extremely useful and it shouldn’t be skipped. In Canada, home insurance is not required by law, and wit...

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Does Living in an Area with High Accident Rates Impact Your Rates DOES LIVING IN AN AREA WITH HIGH ACCIDENT RATES IMPACT YOUR RATES

blog article

May 07, 2019

The biggest factors impacting how much you pay for auto insurance are you and your driving habits. However, other factors can impact what you pay. If you live in a high-risk area, the insurance company may raise your costs. In some situations, this is nothing you can change. Yet, there may be a few ...

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How to name a child as a life insurance beneficiary HOW TO NAME A CHILD AS A LIFE INSURANCE BENEFICIARY

blog article

May 06, 2019

When applying for life insurance online, you’ll be asked to name a beneficiary for your policy. This is an important step in the buying process because properly naming a beneficiary and providing their contact information is key to helping ensure that a life insurance payout is received in a t...

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How to name a child as a life insurance beneficiary HOW TO NAME A CHILD AS A LIFE INSURANCE BENEFICIARY

blog article

May 06, 2019

When applying for life insurance online, you’ll be asked to name a beneficiary for your policy. This is an important step in the buying process because properly naming a beneficiary and providing their contact information is key to helping ensure that a life insurance payout is received in a t...

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Whole Life Insurance: A Guaranteed Death Benefit WHOLE LIFE INSURANCE: A GUARANTEED DEATH BENEFIT

blog article

May 06, 2019

You can’t avoid death and taxes, but this product can help!
There are many reasons to purchase whole life insurance, which is why so many consumers turn their attention to this type of policy when they find themselves in the market for coverage.
While every benefit is well worth ...

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Best Pet Insurance – Comprehensive Reviews for 2019 BEST PET INSURANCE – COMPREHENSIVE REVIEWS FOR 2019

blog article

May 06, 2019

As a pet owner, you are probably willing to do almost anything to keep your pet healthy, even if it means spending money you don’t have. Rushing a sick pet down to the veterinarian’s office may be instinctive, but it can also be very expensive. With veterinary costs increasing by as much...

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Is Your House of Worship Covered by Terrorism Insurance? IS YOUR HOUSE OF WORSHIP COVERED BY TERRORISM INSURANCE?

blog article

May 03, 2019

Religious centers of all faiths are rightfully concerned as hate has become entwined with the terrible consequences of terrorism. The recent massacre at the Tree of Life synagogue in Pittsburgh, Pa, arson attacks on three historic black churches in Louisiana, and now, the rampage at the Chabad synag...

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UNDERSTANDING LIFE INSURANCE LINGO PART 1: POLICY BASICS UNDERSTANDING LIFE INSURANCE LINGO PART 1: POLICY BASICS

blog article

May 02, 2019

Life insurance represents a key corner of the financial planning space in need of more education. Nearly three in five consumers (59%) own some form of life insurance, according to LIMRA’s 2018 Insurance Barometer Study.  Yet, common questions persist, especially over the industry’s...

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What You Need to Know about Getting the Best Car Insurance Rate WHAT YOU NEED TO KNOW ABOUT GETTING THE BEST CAR INSURANCE RATE

blog article

May 01, 2019

Many things to save your car safety such as the use of outdoor waterproof car covers will increase your car look and will the pave the way to have the best car insurance price. Looking at through this article you ought to be able to get the best cost available for you and your vehicle.
Mainta...

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How your prescription history affects your life insurance rates HOW YOUR PRESCRIPTION HISTORY AFFECTS YOUR LIFE INSURANCE RATES

blog article

May 01, 2019

Thanks to the fact that we live in the 21st century instead of the 12th, prescription drugs are a part of everyone’s medical history. Whether it’s taking a temporary course of antibiotics to get over strep throat, or a regular regimen of medication to manage a lifelong condition like ast...

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What insurance does a small business need? WHAT INSURANCE DOES A SMALL BUSINESS NEED?

blog article

Apr 30, 2019

When you’ve already got loads on your plate, organising your business insurance can seem pretty daunting. But, as you’re probably aware, insurance is one of those things that you really do have to tick off your ‘to do’ list, to ensure you’re protected against unforeseen...

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What are life insurance underwriting classes, and why do they matter? WHAT ARE LIFE INSURANCE UNDERWRITING CLASSES, AND WHY DO THEY MATTER?

blog article

Apr 29, 2019

Before we begin today, a quick refresher. Life insurance provides financial protection for your loved ones in the event of your death. A life insurance policy usually pays a guaranteed amount of money (a death benefit) that can assist your family at a time they would need it most. You probably knew ...

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What are life insurance underwriting classes, and why do they matter? WHAT ARE LIFE INSURANCE UNDERWRITING CLASSES, AND WHY DO THEY MATTER?

blog article

Apr 29, 2019

Before we begin today, a quick refresher. Life insurance provides financial protection for your loved ones in the event of your death. A life insurance policy usually pays a guaranteed amount of money (a death benefit) that can assist your family at a time they would need it most.You probably knew a...

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The Differences Between Term and Whole Life Insurance THE DIFFERENCES BETWEEN TERM AND WHOLE LIFE INSURANCE

blog article

Apr 26, 2019

Buying life insurance now provides a financial safety net for your dependents later if you’re not around to take care of them. After you’re gone, your family can use the proceeds to cover funeral costs, mortgage payments, college tuition and other expenses. There are two main types of li...

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What Is Collision Coverage? WHAT IS COLLISION COVERAGE?

blog article

Apr 25, 2019

When you’re trying to save money on car insurance, declining collision coverage may seem like a good option. But you should give this decision some thought. After a wreck, collision coverage could make life easier, even if you did not cause the accident. For most drivers, the cost of collision...

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Senior Benefits in Ontario: A Complete Guide to Senior Health Benefits SENIOR BENEFITS IN ONTARIO: A COMPLETE GUIDE TO SENIOR HEALTH BENEFITS

blog article

Apr 25, 2019

Canada’s most populous province is getting grayer. Statistics Canada reported that almost 20 percent of Ontarians were over the age of 65 in 2016. That’s a number that’s projected to keep growing in the future too. Are you someone over the age of 65? Maybe you’re approaching ...

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SO YOU WANT TO BE AN ENTREPRENEUR? SO YOU WANT TO BE AN ENTREPRENEUR?

blog article

Apr 25, 2019

So you want to be an entrepreneur? You’ve got a great idea, and you want to put it into motion, so you can show the world what you can do! Being an entrepreneur and starting a business is admirable, but it comes with risks.  During the planning phase, if you haven’t talked to a trus...

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How to Find Life Insurance As A Scuba Diver HOW TO FIND LIFE INSURANCE AS A SCUBA DIVER

blog article

Apr 25, 2019

Oxygen tanks and regulators, buoyancy compensators, wearable computers to track depth and surroundings — scuba divers need a lot of expensive gear. Then, when they apply for life insurance to help protect their families from financial uncertainty, scuba divers tend to pay higher life insurance...

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Do Veterans Qualify for Discounted Auto Insurance DO VETERANS QUALIFY FOR DISCOUNTED AUTO INSURANCE

blog article

Apr 25, 2019

As a veteran, it can be very important to manage your money well. Your hard work and service to the country should stand for something. Many vets qualify for a discount on their auto insurance policy. This does not always apply, but if it applies to your situation, it is worth asking about. How can ...

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Pet Insurance Everything You Need to Know PET INSURANCE EVERYTHING YOU NEED TO KNOW

blog article

Apr 24, 2019

Your fur babies are a big part of your family. You love them; they’re among your favorite friends, and they’re always there for you. You give them love, a home, and take the very best possible care of them. And, much like when a member of your family is sick, you worry about them when th...

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How and When to File a Home Insurance Claim HOW AND WHEN TO FILE A HOME INSURANCE CLAIM

blog article

Apr 24, 2019

Insurance is there for you when you need it. It’s the umbrella, the safety net, the fail-safe. But it’s wise to consider the alternatives before actually tapping your insurance company for help: Every claim you file can raise your premium. If you file too many claims, not only can your i...

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The Best Auto Insurance Companies of 2019 THE BEST AUTO INSURANCE COMPANIES OF 2019

blog article

Apr 23, 2019

Auto insurance is there for you during some of the most stressful times of your life. Whether it’s a little fender bender that gets your blood boiling or a full-on car wreck you caused, insurance is essential. Think of it as a logical part of your financial planning. Imagine, for a second, tha...

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Does Homeowners Insurance Cover Hurricanes? DOES HOMEOWNERS INSURANCE COVER HURRICANES?

blog article

Apr 23, 2019

property owners can face serious risks when it comes to hurricanes and tropical storms. From blustering, high-speed winds to record-smashing rainfall and flooding, you have to be prepared for the worst-case scenario during severe weather. If you’re a homeowner, you definitely want to insure yo...

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How Often Should You Review Your Business Insurance Coverage? HOW OFTEN SHOULD YOU REVIEW YOUR BUSINESS INSURANCE COVERAGE?

blog article

Apr 23, 2019

Many small business owners wonder when they should review their insurance coverage. The truth is that if it has been a while since you’ve reviewed your business insurance, it might be time to make changes. A review is a great opportunity to determine whether your policy meets your current need...

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Top 10 Mistakes That Many First Time Homebuyers Make TOP 10 MISTAKES THAT MANY FIRST TIME HOMEBUYERS MAKE

blog article

Apr 23, 2019

Purchasing your first home can be scary and confusing as well as exciting. There are dozens of decisions to be made and if you are not careful you may make a mistake that you will have to live with for years.  If you are in the market for your first home, or have been in your current home for d...

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5 tips to keep your car running smoothly this spring 5 TIPS TO KEEP YOUR CAR RUNNING SMOOTHLY THIS SPRING

blog article

Apr 23, 2019

While many associate spring with a deep clean of your home, it's also a good idea to use the change in season to spring clean your vehicle. Winter can take a heavy toll on our cars, both in terms of appearance and driving capabilities. Take advantage of the warmer weather and perform these routi...

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The Push for Digital Claims Payments THE PUSH FOR DIGITAL CLAIMS PAYMENTS

blog article

Apr 23, 2019

Carriers have invested heavily in creating new digital customer experience but making claims payments often still ends in a “your check is in the mail” notification. Digital payment alternatives, first developed for industries like retail, are now finding their way into insurance. Cost s...

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Achieving digital transformation in the insurance industry ACHIEVING DIGITAL TRANSFORMATION IN THE INSURANCE INDUSTRY

blog article

Apr 23, 2019

Research has consistently shown that senior management within the insurance sector think digital transformation is critical to their business. While executives see transformation as essential, achieving success is proving to be much more difficult, with a global report recently published by Cap Gemi...

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How To Purchase A Right Home Insurance? HOW TO PURCHASE A RIGHT HOME INSURANCE?

blog article

Apr 22, 2019

Your house is while not a doubt your most precious investment. What if there’s a natural bad luck or a fireplace escape in your house, and your home is ruined?! Disasters will strike uninstructed and that’s specifically why protective your house with home insurance is incredibly necessar...

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How to Check If Your Car Insurance is Valid in California HOW TO CHECK IF YOUR CAR INSURANCE IS VALID IN CALIFORNIA

blog article

Apr 22, 2019

All drivers in California are under mandatory requirement by law to have a car insurance coverage but how do you properly ascertain if a car insurance is valid before proceeding to buy the car, hire it or report to the police in the event of an accident or even before involving your car accident att...

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The Challenges Of High-Deductible Plans For Chronically Ill People THE CHALLENGES OF HIGH-DEDUCTIBLE PLANS FOR CHRONICALLY ILL PEOPLE

blog article

Apr 22, 2019

When it comes to health care, the United States is witnessing two fundamentally incompatible trend lines. High-deductible health plans (HDHPs) represent an increasing share of the health insurance Marketplace. Nearly 70 percent of mid to large employers offer HDHPs to employees and for 13 percent, a...

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Market Value Versus Replacement Cost - Homeowners Insurance MARKET VALUE VERSUS REPLACEMENT COST - HOMEOWNERS INSURANCE

blog article

Apr 19, 2019

When buying a house, you are buying both the house and the land it is built on. The market value of a home is usually based on an appraisal by a licensed professional. They start by estimating the value of the land based on the property's location and lot size. Then the appraiser will use the si...

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Is Your Golf Cart Covered? IS YOUR GOLF CART COVERED?

blog article

Apr 19, 2019

These days, you can find more golf carts on our public roads and campgrounds than on the golf course. They’ve become somewhat of a status symbol with trick paint jobs, speed modifications, chrome wheels, and leather seats. If you own a golf cart, it’s a good idea to buy golf cart insuran...

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Are ATVs, Golf Carts and Other Vehicles Covered by Homeowners Insurance? ARE ATVS, GOLF CARTS AND OTHER VEHICLES COVERED BY HOMEOWNERS INSURANCE?

blog article

Apr 19, 2019

Here is an easy test to see if your recreational vehicle is covered by your homeowners policy: Are you having fun? If so, it’s probably not covered. That isn’t always the case, but the protection provided by your homeowners policy is very limited. Property Coverage You may have property ...

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Maintain your tires for a safer, smoother ride MAINTAIN YOUR TIRES FOR A SAFER, SMOOTHER RIDE

blog article

Apr 19, 2019

Tires are a crucial part of your day-to-day travels, but they can be easily overlooked when you're inspecting your car. It's important to note, however; that there are significant benefits to checking them frequently – including better fuel economy, a safer drive, and easier handling o...

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Boat insurance and safety BOAT INSURANCE AND SAFETY

blog article

Apr 18, 2019

The size, type and value of the craft and the water in which you use it factor into what type of insurance you need and how much you will pay for insurance coverage. As with any insurance policy, make sure you understand exactly what perils are covered and what your policy limits are. Small craft ma...

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THE BEST TRAVEL MEDICAL INSURANCE FOR LONG TERM TRAVEL THE BEST TRAVEL MEDICAL INSURANCE FOR LONG TERM TRAVEL

blog article

Apr 18, 2019

Long term travel is the ultimate dream for many people. However, when you travel for a long period of time, there are some organizational issues you need to think about. One of these issues is insurance. This is not the most fun topic to think about, and we know you prefer to plan the cool activitie...

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Is the Notre-Dame Cathedral Fire Covered by Insurance? IS THE NOTRE-DAME CATHEDRAL FIRE COVERED BY INSURANCE?

blog article

Apr 18, 2019

The fire that ravaged Notre-Dame cathedral is out and plans are already underway for repairing the damages caused and rebuilding what was lost. The costs are expected to be enormous and will take years to complete. Currently, there’s 1 billion euros donated to help with the reconstruction. As ...

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THE ROLE OF CYBER INSURANCE IN CYBER RISK MANAGEMENT – NOT A STANDALONE SOLUTION, BUT PART OF A COMPREHENSIVE STRATEGY THE ROLE OF CYBER INSURANCE IN CYBER RISK MANAGEMENT – NOT A STANDALONE SOLUTION, BUT PART OF A COMPREHENSIVE STRATEGY

blog article

Apr 18, 2019

Cyber Insurance has begun to take root in recent years, and while many industries have yet to invest in a cyber insurance policy, other industries are starting to question if cyber insurance might just be the missing tool in the organization’s security toolbelt. A recent survey found that 70 p...

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Home Insurance for People with a Disability HOME INSURANCE FOR PEOPLE WITH A DISABILITY

blog article

Apr 18, 2019

When you have a home with special features and adaptions, it becomes essential to consider how this impacts your home’s value. It can also impact your home insurance needs. For those who have a loved one living with a disability or unique needs, it is important to consider the value of added f...

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Buying a term insurance plan? Don’t forget to include riders BUYING A TERM INSURANCE PLAN? DON’T FORGET TO INCLUDE RIDERS

blog article

Apr 18, 2019

Who doesn’t like something extra which provides a value-added benefit? In a term insurance plan, there are extra coverage benefits which you can opt and make your cover more comprehensive. Do you know about such extra benefits? They are called riders. If you are looking for a term insurance pl...

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4 Safe Driving Lessons for Your Teen 4 SAFE DRIVING LESSONS FOR YOUR TEEN

blog article

Apr 18, 2019

Teach your teen how to be a safe driver. If you are currently teaching your teen how to drive, then safe driving practices are the most important things that you can pass onto them.  When it comes to safe driving, it’s important that you go back to the basics, even if they seem really obv...

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VULNERABLE INSURANCE CUSTOMERS UNDER THE SPOTLIGHT VULNERABLE INSURANCE CUSTOMERS UNDER THE SPOTLIGHT

blog article

Apr 17, 2019

Insurance companies may have a bigger challenge on their hands when it comes to identifying vulnerable customers, as new research from data analytics company Consumer Intelligence reveals three quarters struggle to understand or feel overwhelmed by information provided by their insurer. In contrast,...

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How Much Renters Insurance Do I Actually Need? HOW MUCH RENTERS INSURANCE DO I ACTUALLY NEED?

blog article

Apr 17, 2019

Getting renters insurance is a smart adulting decision. It’s the best defense against things in life you have no control over – like your phone getting stolen on the subway or your apartment flooding because your neighbors left their faucet on. So, if you ever face these headaches, you&r...

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FIVE DATA POINTS EVERY AGENT SHOULD TRACK FIVE DATA POINTS EVERY AGENT SHOULD TRACK

blog article

Apr 16, 2019

Analyzing your data and metrics will help you discover critical insights your agency needs to grow. Data analytics applications will help you gather, process and analyze your data in real time for greater insights into your efforts and outcomes. Data metrics can also help your agency become a data-p...

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Why Not Plan Your Finances Wisely To Save Taxes?-MoneyMindz WHY NOT PLAN YOUR FINANCES WISELY TO SAVE TAXES?-MONEYMINDZ

blog article

Apr 16, 2019

The utterance of the word “tax” emits a negative feeling in most people. It is not only about the realms of the real world, but in the iconic Bollywood film Lagaan that was based on a fictional story dating a century back, the protagonist had a “fear of paying tax”. Well over...

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Steps To Follow While You Claim Life Insurance Benefits-MoneyMindz STEPS TO FOLLOW WHILE YOU CLAIM LIFE INSURANCE BENEFITS-MONEYMINDZ

blog article

Apr 16, 2019

A bitter truth but getting over the loss of a loved one is tough. In cases where the departed has dependents, life insurance helps tide over the financial burden they may face. Therefore, it’s important to know how to claim the insurance benefits upon the death of a loved one. So, the benefit ...

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Planning a Trip? Here’s How to Insure Your Jewelry Before You Go PLANNING A TRIP? HERE’S HOW TO INSURE YOUR JEWELRY BEFORE YOU GO

blog article

Apr 16, 2019

Remember the phenomenal Taylor-Burton diamond, the 69-carat, pear-cut diamond bought by the actors Richard Burton and Elizabeth Taylor in 1969? Well, of course, you don’t, but that’s one more reason to cherish those grandparents of yours, right? In case they can’t remember either, ...

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How to Get Instant Online Health Insurance Quotes HOW TO GET INSTANT ONLINE HEALTH INSURANCE QUOTES

blog article

Apr 16, 2019

Many folks outside of Canada think that health care in this great nation must be a breeze as it is infamously “free” to all residents of Canada. But the truth is that while much of that billion-dollar health care industry is being ponied up for by the federal government, there are some g...

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Vision Insurance Coverage in Canada: Which Regions Offer Eye Care? VISION INSURANCE COVERAGE IN CANADA: WHICH REGIONS OFFER EYE CARE?

blog article

Apr 16, 2019

The Canada Health Act provides all essential and medically necessary care through its provincial arms. But it doesn’t mandate the provision of eye care outside of emergency circumstances. Vision insurance coverage changes according to province and territory. In most cases, young people and sen...

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Is Your Auto Insurance Price on the Way Up? Here’s How to Save Money IS YOUR AUTO INSURANCE PRICE ON THE WAY UP? HERE’S HOW TO SAVE MONEY

blog article

Apr 16, 2019

From time to time, auto insurance rates will increase. Most often, this happens due to the cost of living rising. However, many people can save money by asking their insurance agent about savings options. If your prices are on the rise, take these steps to ensure you are paying the least amount nece...

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Ensuring Success in Core System Builds ENSURING SUCCESS IN CORE SYSTEM BUILDS

blog article

Apr 16, 2019

Custom core system builds still happen surprisingly often. They fell out of fashion during the competitive vendor landscape of the early 2000s, but implementation challenges and improved carrier software development expertise are generating increased interest in the custom build. Buying is often a c...

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How to Beat Amazon at Customer Experience HOW TO BEAT AMAZON AT CUSTOMER EXPERIENCE

blog article

Apr 16, 2019

Amazon just entered your market, acquiring a competitor in your product category and bringing all of their technology, customer experience and logistics capabilities to go after your customer. How will you stay competitive? Grocery stores found themselves asking that question in August of 2017 when ...

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Suggestions to Help You Stay Safe Behind the Wheel SUGGESTIONS TO HELP YOU STAY SAFE BEHIND THE WHEEL

blog article

Apr 16, 2019

Try out these spring driving safety tips. Just because the gloom and bad weather of winter have passed doesn’t mean that the road is free from hazards.  Just like winter, spring poses some very serious risks for drivers.  If you want to protect yourself and others on the road this se...

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What Affects the Cost of Home Insurance In Kenya? WHAT AFFECTS THE COST OF HOME INSURANCE IN KENYA?

blog article

Apr 16, 2019

A house is one of the prized possessions; this is why your home should be insured. When you have ticked all the sections, and you are all set to buy a home, it is imperative to calculate the total cost that will result in your home ownership. Most importantly, this comprises of home buying cost and ...

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13 ways to get your home ready for spring 13 WAYS TO GET YOUR HOME READY FOR SPRING

blog article

Apr 15, 2019

Get your air conditioner cleaned and serviced. Did you know clean coils operate more efficiently? With that and a filter change, your air conditioner will be primed to keep you cool and cut your costs. Change the batteries in your smoke detector and carbon monoxide detector. Your life-saving detecto...

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Compare Health Insurance Canada! Are You Getting the Best Coverage? COMPARE HEALTH INSURANCE CANADA! ARE YOU GETTING THE BEST COVERAGE?

blog article

Apr 15, 2019

Canada’s extraordinary health care system covers most of the population. Only a small fraction of its 37 million residents lack health insurance. Only certain recent immigrants and workers are ineligible for care. However, healthcare is not free. In addition to tax-funded universal basic care,...

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How to choose the right amount of cover for life insurance? HOW TO CHOOSE THE RIGHT AMOUNT OF COVER FOR LIFE INSURANCE?

blog article

Apr 15, 2019

If you are buying life insurance, you need to go for the right insurance amount so that you are neither under-insured nor over-insured. So, how does one arrive at the right amount of insurance cover? Here are some simple methods to help you decide. Life insurance is something one cannot do without i...

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Do I Have Mental Health Insurance Coverage? DO I HAVE MENTAL HEALTH INSURANCE COVERAGE?

blog article

Apr 15, 2019

If you purchased your health insurance plan through healthcare.gov or your local state exchange, you have an Affordable Care Act (ACA) compliant plan, which means you have mental health insurance coverage. All ACA-compliant insurance plans must include mental health insurance coverage as one of the ...

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Solar Power and Homeowners Insurance: Watts Up? SOLAR POWER AND HOMEOWNERS INSURANCE: WATTS UP?

blog article

Apr 14, 2019

Nearly a year ago, California became the first state to mandate that all new homes have solar power.1 The regulation becomes effective January 1, 2020. Under the new rules, individual homes must have rooftop solar panels or share a solar-power system with a group of homes. According to the New York ...

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Need Private Insurance in Canada? A Comparison of Private Canadian Insurers NEED PRIVATE INSURANCE IN CANADA? A COMPARISON OF PRIVATE CANADIAN INSURERS

blog article

Apr 14, 2019

That’s a question you could be asking yourself in you’re in the market for private insurance in Canada. The good news is there are a lot of options, but you’ll have to do your homework to get the best rates and the best package to suit your needs. Private Vs Public Insurance Here&r...

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Distracted Driving Month: 4 things insurers can do to help customers drive safer and reduce risk DISTRACTED DRIVING MONTH: 4 THINGS INSURERS CAN DO TO HELP CUSTOMERS DRIVE SAFER AND REDUCE RISK

blog article

Apr 14, 2019

We continue our conversation about Distracted Driving Awareness Month, what we know and what we can do to help curb risky behavior. Where we started talking about the need to study advanced driver assistance systems (ADAS) data, we now move into the reality of the distractions we face every day and ...

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What Is the Best Health Insurance? a Step-By-Step Guide on Comparing Health Insurance WHAT IS THE BEST HEALTH INSURANCE? A STEP-BY-STEP GUIDE ON COMPARING HEALTH INSURANCE

blog article

Apr 13, 2019

Premiums, copays, and health networks – oh my! Are you drowning in the land of health insurance plans? The average Canadian isn’t taught how to differentiate plan A from plan B. In fact, there are entire careers that focus on finding and explaining health insurance differences (health in...

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Everything You Need to Know About Finding Affordable Ontario Health Care EVERYTHING YOU NEED TO KNOW ABOUT FINDING AFFORDABLE ONTARIO HEALTH CARE

blog article

Apr 12, 2019

The average Canadian household spent nearly $2,000 on health care in 2017. That figure represents direct costs that Canadians are paying out of pocket. It doesn’t include insurance premiums paid for supplemental health care. Why are Canadian health care costs so high? Isn’t health care i...

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Customer Experience and the Future of Automated Claims Processing for Consumers CUSTOMER EXPERIENCE AND THE FUTURE OF AUTOMATED CLAIMS PROCESSING FOR CONSUMERS

blog article

Apr 12, 2019

As auto insurance carriers are increasingly applying automation to increase efficiencies, reduce costs and improve their competitive edge, consumers are also benefiting from increased automation – an insight we uncovered while conducting research for the 2019 Future of Claims Study. In our 201...

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How Do Self-Driving Cars Affect Auto Insurance? HOW DO SELF-DRIVING CARS AFFECT AUTO INSURANCE?

blog article

Apr 12, 2019

The race to having completely self-driving cars on the road continues, and many automakers get closer every day. On the market now, there is Tesla, whose semi-autonomous vehicles can already match traffic speeds, transition from one freeway to another, self-park and be summoned from a garage. Additi...

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Shouldn’t Your App-based Cab Ride Be Insured? SHOULDN’T YOUR APP-BASED CAB RIDE BE INSURED?

blog article

Apr 12, 2019

In case of an unfortunate accident, your life can be saved by timely medical assistance and in case of death, financial assistance can help your family recover from dependencies. This makes medical and life insurance for a passenger a marketable feature for cab aggregators in India. Of late, through...

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DON'T IGNORE THIS HIDDEN RISK: UNDERSTANDING UNDERGROUND SERVICE LINES

blog article

Apr 12, 2019

You have a gorgeous maple tree on your property. For years it's been the focal point of your yard with people often stopping to tell you how lucky you are to have such a beautiful tree on your property. Sure, you're lucky, until that one summer day when that maple tree decides to push a tree...

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New Texas Homeowners Policy Includes Flood Coverage NEW TEXAS HOMEOWNERS POLICY INCLUDES FLOOD COVERAGE

blog article

Apr 12, 2019

Texas homeowners may have a new option when it comes to flood insurance. While flood coverage is always excluded from a standard homeowners policy, the Woodlands Insurance Co. which is located in Woodlands, Texas is offering a Texas homeowners policy that includes flood insurance coverage to all hou...

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You Have So Much Worth Protecting YOU HAVE SO MUCH WORTH PROTECTING

blog article

Apr 12, 2019

Umbrella insurance is the most valuable coverage you've probably never heard of. Yet it's highly likely you need it. And it isn't just for high earners. It's for everyone, especially if you: Life is unpredictable. Consider these common scenarios. You're driving a couple of childr...

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Uncovering the Reality of Home Insurance Myths UNCOVERING THE REALITY OF HOME INSURANCE MYTHS

blog article

Apr 11, 2019

Don’t get caught up in these common home insurance myths. Managing your home insurance is difficult enough as it is; the last thing that you need is for lies to complicate things even further.  Unfortunately, there are many common home insurance myths that can trip up homeowners and leave...

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3 Ways You Can Accidentally Void Your Auto Insurance 3 WAYS YOU CAN ACCIDENTALLY VOID YOUR AUTO INSURANCE

blog article

Apr 11, 2019

Avoid making these mistakes if you want to keep your car coverage. Many drivers assume that once they secure auto insurance, they will have their coverage forever.  Unfortunately, this isn’t always the case.  There are certain things that you can do that will result in your auto insu...

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BEFORE YOU HIT THE OPEN ROAD, PROTECT THAT HOME ON WHEELS BEFORE YOU HIT THE OPEN ROAD, PROTECT THAT HOME ON WHEELS

blog article

Apr 11, 2019

Are you ready to get on the road, eat up the miles, and go wherever the wind — and your RV — take you? Your RV is your ticket to freedom. Proof that you can’t be pinned down or stuck in one spot for long. The open road is calling, but before you jump in the driver’s seat, pro...

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CUSTOMER ENGAGEMENT STARTS HERE: MEASURING TRENDS IN THE INSURANCE EXPERIENCE CUSTOMER ENGAGEMENT STARTS HERE: MEASURING TRENDS IN THE INSURANCE EXPERIENCE

blog article

Apr 11, 2019

For several years now, Majesco has been discussing the most crucial question insurers have on their plates. “How easy is it for a customer to do business with an insurer?” At one time, it almost didn’t matter. Those who needed insurance accepted the hurdles and hoops of the insuran...

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What is No-Fault Medical Coverage on Home Insurance Plan WHAT IS NO-FAULT MEDICAL COVERAGE ON HOME INSURANCE PLAN

blog article

Apr 11, 2019

A person suffering an injury on your property can be a very worrisome situation. Even if you do your very best to help them, they may feel you are responsible for their losses. In some cases, you are. Your home insurance company offers financial help for this situation. There are two components of y...

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Your pet needs to buckle up too YOUR PET NEEDS TO BUCKLE UP TOO

blog article

Apr 11, 2019

The best advice is to use a harness or carrier and secure your pet in the middle of the back seat. Restraining a pet prevents them from distracting you while you're driving and helps keep them safe, before and after an accident. Loose animals and secondary accidents. A car safety harness keeps y...

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10 Spring Cleaning Tips to Prevent Insurance Claims 10 SPRING CLEANING TIPS TO PREVENT INSURANCE CLAIMS

blog article

Apr 11, 2019

Spring has sprung and your home is due for a thorough cleaning but there are a few tasks you should add to your spring-cleaning checklist to lower your risk of having an insurance claim while you’re at it. These 10 spring cleaning tips from Central Insurance Companies will improve your home an...

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Full Coverage Vs. Liability Car Insurance for Mexico FULL COVERAGE VS. LIABILITY CAR INSURANCE FOR MEXICO

blog article

Apr 11, 2019

If you’re driving to Mexico, you may want to envision pristine coastlines, epic Mayan ruins or lush rain forests along the way. What you shouldn’t have to do is worry about your car insurance coverage. To protect yourself financially and legally, get some answers and make some decisions ...

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Top 10 Best Disability Insurance Companies TOP 10 BEST DISABILITY INSURANCE COMPANIES

blog article

Apr 11, 2019

Disability coverage is one of the least understood insurances on the market. Most people think that they don’t need it because workman’s compensation covers them. They’re right, partially. Workman’s compensation could help to cover some of the costs, but what happens if you a...

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The Digital Life Insurance Application: How Carriers Are Automating the Agent Channel THE DIGITAL LIFE INSURANCE APPLICATION: HOW CARRIERS ARE AUTOMATING THE AGENT CHANNEL

blog article

Apr 11, 2019

The life insurance application process is undergoing a major digital transformation as carriers modernize and automate their customer-facing workflows. The life insurance application process has traditionally been long, complicated, and paper heavy – but carriers are embracing digital to make ...

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Group Insurance Technology: Back to the Future for Policy Admin & Billing GROUP INSURANCE TECHNOLOGY: BACK TO THE FUTURE FOR POLICY ADMIN & BILLING

blog article

Apr 11, 2019

This is the first in a series of three blogs to start a practical and real discussion about industry challenges and how technology can help. Often, we look at technology and think about the grand advances we’ve made since Otto Rohwedder sat down after a long day of slicing bread and thought, &...

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How to Get Cheap Health Insurance in 10 Easy Steps HOW TO GET CHEAP HEALTH INSURANCE IN 10 EASY STEPS

blog article

Apr 11, 2019

From 1997 to 2018, public health care insurance costs in Canada grew 3.5 times faster than food prices. What’s more, it went up 1.8 times faster than the national average income. That trend, according to experts, is going to continue this 2019. They’re estimating a staggering 6% increase...

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Vacant Property Coverage, for When You’re Between Tenants or Selling VACANT PROPERTY COVERAGE, FOR WHEN YOU’RE BETWEEN TENANTS OR SELLING

blog article

Apr 10, 2019

After more than six years, it’s still a seller’s market, values continue climbing, and property owners, whether they’re holding residential, office or industrial space, are seeing their properties snapped up in days, sometimes hours. All of that can change when the economy slows, o...

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Insurance check list for getting your motorcycle back on the road INSURANCE CHECK LIST FOR GETTING YOUR MOTORCYCLE BACK ON THE ROAD

blog article

Apr 10, 2019

If you’re a motorcycle enthusiast, once spring is here you can’t wait until the weather gets good enough to get your bike back on the road.  After sitting out the winter, you’ll be going through a check list to get your motorcycle tuned up, polished and road ready. Make sure y...

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How Spring Cleaning Can Improve the Safety of Your HOW SPRING CLEANING CAN IMPROVE THE SAFETY OF YOUR

blog article

Apr 09, 2019

Take care of these cleaning and maintenance tasks to make your property safer. Now that spring is officially here, many homeowners are getting ready to thoroughly clean and freshen up their properties.  If you are planning on doing some spring cleaning, then there are certain things that you ca...

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Health Care Coverage in Retirement HEALTH CARE COVERAGE IN RETIREMENT

blog article

Apr 09, 2019

Spring vacation season is in full swing. Are you heading anywhere fabulous? Whether you’re visiting the beach or the mountains—or anywhere in between—there are lots of things to prepare before jet-setting to your destination. Buying tickets, planning itineraries, packing bags and f...

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Chatbots and Hybrid Service Strategies at Insurers CHATBOTS AND HYBRID SERVICE STRATEGIES AT INSURERS

blog article

Apr 09, 2019

Insurers are under increasing pressure to deliver a frictionless and simple customer service experience. Conversational technology like chatbots are becoming attractive supplemental channels for insurers as a result. Chatbots offer a low-touch, 24/7 channel that frees up existing resources for more ...

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Is Your Vacation Home Adequately Protected? IS YOUR VACATION HOME ADEQUATELY PROTECTED?

blog article

Apr 09, 2019

You’ve worked hard for the life you have, including for your vacation home. Make sure it’s protected from natural disasters and unfortunate accidents with the right insurance coverage. Protecting your vacation home isn’t quite the same as protecting other property. Here’s wha...

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Home Inspection for Your Condominium Purchase HOME INSPECTION FOR YOUR CONDOMINIUM PURCHASE

blog article

Apr 08, 2019

While a Condominium (Condo) typically features construction and/or maintenance features addressed by Condominium Management, the Buyer should conduct an inspection for two main reasons. First, the interior of the Condo. This area is not the responsibility of Condo Management. A Buyer needs to be awa...

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7 questions to ask when you get home insurance 7 QUESTIONS TO ASK WHEN YOU GET HOME INSURANCE

blog article

Apr 08, 2019

When you get home insurance, it’s important to ask the right questions. But what are the right questions to ask? How can you know what questions to ask if no one ever told you? They don’t exactly teach Insurance 101 in school. To help you figure out what you should be asking the insuranc...

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The Cost of Owning a Pet THE COST OF OWNING A PET

blog article

Apr 08, 2019

Being a pet parent has its benefits, but it also has its costs, which don’t always occur to us before adopting. Consider the total cost of dog ownership or cat ownership beforehand so you can prepare and be a more awesome pet parent. Unexpected Costs. We’ve laid out some costs of owning ...

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How Does Minimum Auto Insurance Work HOW DOES MINIMUM AUTO INSURANCE WORK

blog article

Apr 08, 2019

Almost every state requires you have car insurance coverage if you want to drive legally in your state. Most states outline a minimum level of coverage you must buy by law. What your state requires as minimum limits however, may not cut the mustard should you get into an accident. A car accident can...

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In small commercial insurance, automation lags behind desired levels IN SMALL COMMERCIAL INSURANCE, AUTOMATION LAGS BEHIND DESIRED LEVELS

blog article

Apr 06, 2019

This is the second in a series of blog posts looking at how U.S. commercial insurance professionals are responding to current and emerging market trends. Automation can help commercial insurers drive efficiency. That’s especially true within small commercial insurance, where the greater volume...

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The Friday Five: distracted driving study, genetic testing for life insurance, women pay more for auto insurance THE FRIDAY FIVE: DISTRACTED DRIVING STUDY, GENETIC TESTING FOR LIFE INSURANCE, WOMEN PAY MORE FOR AUTO INSURANCE

blog article

Apr 05, 2019

Every week The Friday Five will bring you interesting news and information from around the insurance industry. This week: distracted driving study, genetic testing for life insurance, women pay more for auto insurance. Drivers just can’t put their phones away. Nearly eight in 10 consumers talk...

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How to Shop for Car Insurance HOW TO SHOP FOR CAR INSURANCE

blog article

Apr 05, 2019

Saving money on your car insurance shouldn't be complicated. Unfortunately, if you don't have everything ready when you start getting a quote, it can be time consuming. Running around to grab this bit of info or that can be frustrating. When you're shopping for car insurance coverage, yo...

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Going Paperless: How Mercury Insurance Improved the Speed of Business GOING PAPERLESS: HOW MERCURY INSURANCE IMPROVED THE SPEED OF BUSINESS

blog article

Apr 05, 2019

Insurance companies struggle to provide a great experience on two fronts – one is to customers and the second is to agents and brokers. The convergence of demographic changes, evolving customer expectations, and competitive pressures demands efficiency from both insurers as well as agencies. I...

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4 WAYS TO SAVE MONEY ON CAR INSURANCE BY DRIVING SAFE 4 WAYS TO SAVE MONEY ON CAR INSURANCE BY DRIVING SAFE

blog article

Apr 05, 2019

There’s a fundamental rule about car insurance that’s important to know: your driving record can affect your rates. Which can be a good thing…or a bad thing. You might have hoped that that speeding ticket or minor (it was a scratch on the other person’s car!) fender bender w...

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That text? It can wait. Take the pledge to stop distracted driving THAT TEXT? IT CAN WAIT. TAKE THE PLEDGE TO STOP DISTRACTED DRIVING

blog article

Apr 05, 2019

Distraction comes in many forms. In the car, it could mean taking your eyes off the road to change the radio station, taking your hands off the wheel to enjoy the first sips of morning coffee, or losing your focus because you're talking to a passenger. From eating, drinking, and personal groomin...

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What You Need to Know About Insuring Your NC or SC Coastal Home WHAT YOU NEED TO KNOW ABOUT INSURING YOUR NC OR SC COASTAL HOME

blog article

Apr 05, 2019

The coast is a beautiful place to live. It offers a unique lifestyle that no other part of the Carolinas does, but it’s also considered a high-risk area for homeowners. Homes are more susceptible to certain storm-related perils than the rest of the state — wind, hail, and floods. Even wh...

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Townhomes & Duplexes: How Much Will A Homeowners Policy Cover? TOWNHOMES & DUPLEXES: HOW MUCH WILL A HOMEOWNERS POLICY COVER?

blog article

Apr 05, 2019

If you are considering purchasing a townhome or duplex, you may be wondering if coverage under a homeowners policy would be different than coverage for a single-family dwelling. Our knowledgeable agents at Lawton Insurance Agency in Lewisburg, Pennsylvania will be happy to explain the coverage for e...

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Health Insurance Special Enrollment Period HEALTH INSURANCE SPECIAL ENROLLMENT PERIOD

blog article

Apr 05, 2019

Special Enrollment Period (SEP) – is a time outside the yearly Open Enrollment Period when you can sign up for health insurance through the Health Insurance Marketplace. People with Qualifying Life Events (QLE) can take advantage of the Special Enrollment Period. How long do you need to enroll...

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5 Reasons Why Should Buy Term Insurance Policy 5 REASONS WHY SHOULD BUY TERM INSURANCE POLICY

blog article

Apr 05, 2019

Life is uncertain and no one knows what will happen in the future. If you are the only bread earner in the family then you need to make sure that the future of your family is secured because although you can’t control the future but you can make sure that your family is financially safe in the...

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Benchmarking Your Company’s Employee Benefits Plan BENCHMARKING YOUR COMPANY’S EMPLOYEE BENEFITS PLAN

blog article

Apr 05, 2019

Enrollment in high-deductible health plans with a health savings account is on the rise and employers are increasingly dropping preferred provider organizations as an option in their health plans. Those are two of the key findings in the just-out 2019 Employee Benefits Benchmark Survey, which is des...

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FLOODING IN THE MIDWEST SHOWS IMPORTANCE OF HOMEOWNERS FLOOD INSURANCE FLOODING IN THE MIDWEST SHOWS IMPORTANCE OF HOMEOWNERS FLOOD INSURANCE

blog article

Apr 05, 2019

Late last year, PLR posted this piece to our blog, which described the damage done by Hurricane Florence and stressed the importance of Homeowners Flood Insurance. While that was only a short time ago, we’d like to, once again, stress the importance of Homeowners Flood Insurance for people liv...

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Three things insurers need to know about OFAC SDN and compliance THREE THINGS INSURERS NEED TO KNOW ABOUT OFAC SDN AND COMPLIANCE

blog article

Apr 04, 2019

As part of its enforcement efforts, the Office of Foreign Assets Control (OFAC) maintains a list of Specially Designated Nationals (SDNs). U.S. companies are prohibited from dealing with the individuals, groups and entities on the SDN list. U.S. insurers must comply with OFAC requirements. Adhering ...

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Does an LLC Need Business Insurance? DOES AN LLC NEED BUSINESS INSURANCE?

blog article

Apr 04, 2019

Owning a business has perks, but there’s definitely a certain level of liability that comes with being your own boss. That’s why many entrepreneurs opt for an LLC structure instead of a sole proprietorship. Under LLCs, your personal assets are virtually untouchable. So, in the event of a...

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Should I Get Dental Insurance? Yes! Here’s Why SHOULD I GET DENTAL INSURANCE? YES! HERE’S WHY

blog article

Apr 04, 2019

Did you know that in Canada, about 2.6 million school days are missed every year because of dental-related illnesses? In fact, tooth decay accounts for one-third of all day surgeries performed on children between the ages of 1 and 5. Around the world, 60-90% of school-aged children suffer from tooth...

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Things That Can Affect Your Boat Insurance THINGS THAT CAN AFFECT YOUR BOAT INSURANCE

blog article

Apr 04, 2019

If you own a boat, then you’ll need a separate boat insurance policy. Unfortunately, your homeowners insurance policy will not help cover your boat or any incidents you get into on a watercraft. On some rare occasions, homeowners insurance may have minimal coverage for small boats. But this co...

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Why You Need Renters Insurance Protections WHY YOU NEED RENTERS INSURANCE PROTECTIONS

blog article

Apr 04, 2019

Reasons why you should secure renters coverage. If you are renting a home or apartment, you know that your landlord is responsible for insuring the property you are renting for damages.  However, your Landlord’s property policy does not cover any of your personal belongings.  Renters...

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Common Home Insurance Myths Explained COMMON HOME INSURANCE MYTHS EXPLAINED

blog article

Apr 04, 2019

Buying into these insurance myths could leave your home vulnerable. For many homeowners, securing and managing their homeowners insurance is a tricky task.  This task is made even more difficult due to the proliferation of myths surrounding this coverage.  To ensure that your coverage is n...

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How to Insure a Leased Car Affordably HOW TO INSURE A LEASED CAR AFFORDABLY

blog article

Apr 04, 2019

Leased vehicles need full coverage. It is common for the leasing company to require comprehensive coverage on these cars. This can increase the premium costs to you. However, this type of auto insurance minimizes their risks. It also helps protect you in the case of an accident. Does that mean you h...

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The difference between personal and commercial auto insurance THE DIFFERENCE BETWEEN PERSONAL AND COMMERCIAL AUTO INSURANCE

blog article

Apr 03, 2019

For small businesses, the line between what is considered a personal vehicle and a commercial vehicle is often blurry. Sometimes small business owners and employees use their personal vehicles to transport employees, move equipment, or deliver goods. So should these multipurpose vehicles be covered ...

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The Intersection of RPA and Cognitive Computing THE INTERSECTION OF RPA AND COGNITIVE COMPUTING

blog article

Apr 03, 2019

What do robotic process automation (RPA) and artificial intelligence (AI) have in common? RPA vendors are getting billion-dollar valuations and talking more about AI, machine learning (ML), and cognitive computing. RPA is not an emerging technology per se. It’s a modern update to an existing t...

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An insurance look: 4 trucks burn at Indiana truck stop AN INSURANCE LOOK: 4 TRUCKS BURN AT INDIANA TRUCK STOP

blog article

Apr 03, 2019

No truck driver wants to consider the possibility of their rig bursting into flames. But, unfortunately, it happens. Fire can be very destructive, and it can gobble up a truck with no problem. The thought of your loyal truck on fire is a scary one. But that’s exactly what happened to four truc...

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Why Do I Need Rideshare Insurance? WHY DO I NEED RIDESHARE INSURANCE?

blog article

Apr 03, 2019

Becoming an Uber, Lyft or other type of rideshare driver has become increasingly popular within the last few years. Many people choose to be a rideshare driver to bring in some extra cash on the side, or even as their full-time job. Are you a rideshare driver? If so, it’s important to know tha...

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Car Insurance for 18 Year Olds CAR INSURANCE FOR 18 YEAR OLDS

blog article

Apr 02, 2019

Turning 18 means you are officially an adult. Now, you’re responsible for all of your own life choices and decisions. You may already be driving. You may own a car, or you are planning to purchase one. Your goal should always be to have a policy that matches your life and your needs. Now that ...

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Broker-Dealer Special Interest Group Meeting Highlights BROKER-DEALER SPECIAL INTEREST GROUP MEETING HIGHLIGHTS

blog article

Apr 02, 2019

Last week, we had the opportunity to host our first Special Interest Group meeting focused on retail broker-dealers that are subsidiary operations of life insurance companies. The session was extremely well attended, with 14 individuals representing nine broker-dealers in participation. We had a wid...

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YOU HAVE MORE OPTIONS IN THE WELLSTAR AND ANTHEM (BLUE CROSS BLUE SHIELD) BREAK-UP YOU HAVE MORE OPTIONS IN THE WELLSTAR AND ANTHEM (BLUE CROSS BLUE SHIELD) BREAK-UP

blog article

Apr 01, 2019

As a small business owner, you are often on the receiving end of bad news. Supply costs increase and you have to pay it. A service is eliminated and you scramble to replace it. Insurance companies wake up with a new idea – and you just have to swallow it. You started your business to have more...

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Life Insurance for People with Home Loans LIFE INSURANCE FOR PEOPLE WITH HOME LOANS

blog article

Apr 01, 2019

With the availability of home loans, owning a home has become easy. But, in case of an uncertainty, to not let your family members bear this burden, a term insurance plan can act as a backup. For many of us, owning a home of our own is a key financial milestone that requires years of disciplined sav...

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7 REASONS TO READ YOUR HOME INSURANCE POLICY ALL THE WAY THROUGH 7 REASONS TO READ YOUR HOME INSURANCE POLICY ALL THE WAY THROUGH

blog article

Apr 01, 2019

Okay, okay, we get it: insurance might not be your favorite thing in the world to think about. And it’s probably not your favorite thing to read about either. In other words, when you got your (very lengthy) home insurance policy, you kind of squinted at it and then stuffed it in a drawer some...

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Best Single Premium Plans BEST SINGLE PREMIUM PLANS

blog article

Mar 29, 2019

Life insurance plans are the best investment tool for protecting the future financial needs of your beloved family. Single premium insurance plan is a one-time investment medium that is hassle-free and offers life coverage.  Nowadays, insurance companies in India are offering various types of i...

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The ultimate guide to auto insurance coverage THE ULTIMATE GUIDE TO AUTO INSURANCE COVERAGE

blog article

Mar 29, 2019

Auto insurance might feel like a different language – one that, unfortunately, they don’t teach in schools. They just kind of expect you to figure things out, from the coverages to getting quotes to making a final choice as to what car insurance to get. We get that it can be overwhelming...

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The Problem with Price Comparison Sites THE PROBLEM WITH PRICE COMPARISON SITES

blog article

Mar 29, 2019

Let’s get one thing clear. When it comes to buying insurance, comparing prices from as many different insurance companies as possible is a good thing. When you use a price comparison website, you get quick access to lots of quotes. The problem with price comparison websites is that these costs...

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Things You must know before Paying Life Insurance Premium THINGS YOU MUST KNOW BEFORE PAYING LIFE INSURANCE PREMIUM

blog article

Mar 28, 2019

Buying a Life Insurance Policy is a smart investment and here is a complete guide to help you know everything related to paying the life insurance premium. Possessing a Life Insurance policy is one of the most important investments in times like today. Now-a-days various leading insurance companies ...

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WHEN IS FLOOD INSURANCE A NECESSITY? WHEN IS FLOOD INSURANCE A NECESSITY?

blog article

Mar 28, 2019

For those that own a home in Williamsburg, VA, making sure that you have the right type of home insurance in place is very important. Beyond a standard home insurance policy, you may also need to get flood insurance. There are several situations in which getting flood insurance will be a necessity f...

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How to Select the Right Health Plan for Your Family HOW TO SELECT THE RIGHT HEALTH PLAN FOR YOUR FAMILY

blog article

Mar 28, 2019

Here are some of the things to consider when choosing a family health insurance plan. As a parent, you want to do everything in your power to ensure the health and safety of your loved ones.  Perhaps the best thing that you can do to ensure that your kids stay healthy is by securing a good heal...

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Will Travel Insurance Cover a Cancelled Trip due to Airline Closure? WILL TRAVEL INSURANCE COVER A CANCELLED TRIP DUE TO AIRLINE CLOSURE?

blog article

Mar 28, 2019

“Passengers are advised to check available flights with other airlines,” says the suddenly defunct WOW Iceland airline that has left thousands of passengers in the lurch. Will your travel insurance protect you in the unpredictable scenario? If you were lucky enough to acquire travel cove...

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The Top 4 Mistakes Small Businesses Make With Their Insurance THE TOP 4 MISTAKES SMALL BUSINESSES MAKE WITH THEIR INSURANCE

blog article

Mar 28, 2019

You know that business insurance is essential for your small business. But too many small businesses leave it at that. It’s okay – we know that running a small business is demanding. And we know that you have what feels like a million other things to take care of that seem more important...

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How To Make A Dent In The Universe With The Lemonade Giveback HOW TO MAKE A DENT IN THE UNIVERSE WITH THE LEMONADE GIVEBACK

blog article

Mar 28, 2019

At Lemonade, we set out to create an insurance company driven by social good – and that meant no marketing fluff or philanthropic giveaways. Instead, we wanted to build a different system – one that would bring out the best in all of us, and that would have social impact embedded in its ...

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Florida Contractors Slam AOB Measures Favoring Insurance Companies FLORIDA CONTRACTORS SLAM AOB MEASURES FAVORING INSURANCE COMPANIES

blog article

Mar 28, 2019

Recently, the Restoration Association of Florida (RAF) responded to two bills moving through the Florida Legislature that could affect the assignment of benefits (AOB) process. RAF stands in opposition to the bills (SB 122 and HB 7065), saying they fail to address the needs of both homeowners and co...

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Three Tips for Choosing the Right Contractor After a Disaster THREE TIPS FOR CHOOSING THE RIGHT CONTRACTOR AFTER A DISASTER

blog article

Mar 28, 2019

When a fire, storm, or act of vandalism damages your home, you want to get it fixed as soon as possible. Home insurance may provide you with the financial means to pay for these types of repairs. However, you shouldn’t rush into choosing a contractor for the job. Doing so could cause you finan...

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Should I Invest in Commercial Umbrella Insurance? SHOULD I INVEST IN COMMERCIAL UMBRELLA INSURANCE?

blog article

Mar 28, 2019

Here’s why your small business needs an umbrella insurance policy.Should I Invest in Commercial Umbrella Insurance? As a business owner, you probably know that liability issues are among the most serious risks that you face.  While you likely have some commercial liability protections in ...

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Avoid Expensive Mistakes with Your Teen’s Auto Insurance AVOID EXPENSIVE MISTAKES WITH YOUR TEEN’S AUTO INSURANCE

blog article

Mar 28, 2019

Don’t overspend on your teen driver’s coverage. Unfortunately, insuring teen drivers is expensive due to their inexperience and reputation for being reckless.  However, there are mistakes that parents make that drive up the cost of their teen’s insurance even more.  If yo...

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Hippo Enchants New Mexico Homeowners HIPPO ENCHANTS NEW MEXICO HOMEOWNERS

blog article

Mar 28, 2019

Between extraterrestrial sightings, a hotly contested debate over chili preferences and a minor league baseball team with a name from “The Simpsons,” it’s safe to say New Mexico is unlike any other state in the nation. The Land of Enchantment’s multicultural population, deser...

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FINDING THE BUSINESS MODEL THAT FITS THE CUSTOMER OF THE FUTURE FINDING THE BUSINESS MODEL THAT FITS THE CUSTOMER OF THE FUTURE

blog article

Mar 28, 2019

Netflix was born in 1997 as a new old company. Even at its inception, Netflix founders realized that its mail order DVD business model would rapidly be obsolete. It would need to use its opening model to fund a new model if it was going to survive.[i] Internet streaming was the future. As home inter...

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Prepping Your Car for Spring PREPPING YOUR CAR FOR SPRING

blog article

Mar 28, 2019

When the snow starts to melt and the flowers begin to bloom, it’s time to prep your car for spring! Warmer weather means that (hopefully) you won’t need to defrost the car or wipe off the snow. Though the gripes of winter are fading away, you still need to make sure your car is ready to ...

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How to Get a Better Insurance Rate for your Teen Driver HOW TO GET A BETTER INSURANCE RATE FOR YOUR TEEN DRIVER

blog article

Mar 27, 2019

Let’s face it. When it comes to teen drivers, there’s a lot to be concerned about. At a higher accident rate than other age groups, insurance does get much more expensive. Traditionally, male teen drivers pay more than female teen drivers. With that said, there are smart ways to make an ...

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An insurance look: Fire damages auto body shop in Saratoga County, NY AN INSURANCE LOOK: FIRE DAMAGES AUTO BODY SHOP IN SARATOGA COUNTY, NY

blog article

Mar 27, 2019

It might seem like insurance agencies go on and on about the importance of having the right auto shop insurance and having enough coverage. And it’s true – we do. But for good reason. Auto repair shops are not without their risks, and all it takes is one disaster to turn the world upside...

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Overcoming Legacy Constraints in Med Mal Insurance OVERCOMING LEGACY CONSTRAINTS IN MED MAL INSURANCE

blog article

Mar 27, 2019

Medical malpractice insurers face a unique set of business and technology issues. The sector is seeing continued consolidation and intense competition; the top 20 insurers now control 70% of premiums according to A.M. Best. Carriers are also facing a years-long decline of direct written premium. Com...

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When Tailored Insurance for the RV Dealership Matters WHEN TAILORED INSURANCE FOR THE RV DEALERSHIP MATTERS

blog article

Mar 26, 2019

As a Recreational Vehicle (RV) dealer, you realize that your operation faces management risks, safety liability issues, and others exposures that can differ from an auto dealership. That’s why working with an insurance agency with the knowledge, experience and expertise about related business ...

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Professional Liability Insurance: Does Your Small Business Need It? PROFESSIONAL LIABILITY INSURANCE: DOES YOUR SMALL BUSINESS NEED IT?

blog article

Mar 26, 2019

What Is Professional Liability Insurance? Professional liability insurance, also called errors and omissions or professional indemnity insurance, protects service businesses from the cost of defending negligence lawsuits and other claims of service-related errors. Service professionals and business ...

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General Liability Insurance for Small Businesses: Who Needs It, Cost, and Best Providers GENERAL LIABILITY INSURANCE FOR SMALL BUSINESSES: WHO NEEDS IT, COST, AND BEST PROVIDERS

blog article

Mar 26, 2019

What Is General Liability Insurance? General liability insurance protects your company from legal claims of bodily injury, property damage, and personal injury that arise from your business operations. You can purchase general liability coverage on its own, but it’s often packaged with propert...

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Mitigating Cyber Risk with Google Cloud MITIGATING CYBER RISK WITH GOOGLE CLOUD

blog article

Mar 26, 2019

Cloud computing continues to take root across various enterprises with its promise of ease, speed, and reliability. This cutting-edge IT infrastructure has not only created spin-off industries and tech businesses but has also become the central underpinning of just about any company with a tech pres...

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What Does It Mean to Be in a No-Fault or At-Fault State? WHAT DOES IT MEAN TO BE IN A NO-FAULT OR AT-FAULT STATE?

blog article

Mar 26, 2019

Each state sets laws determining who handles paying for an accident after it occurs. When two parties collide, determining fault is not always the goal. In some states, each person’s insurance pays for the losses. How does this work? Are you in a no-fault or at-fault state? Here is a breakdown...

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4 Overlooked Ways Your Business Could Be Saving Money 4 OVERLOOKED WAYS YOUR BUSINESS COULD BE SAVING MONEY

blog article

Mar 26, 2019

As a business owner, you know you need to run a lean operation to maximize profits. When spending outpaces income, it’s common to want to make big changes. But cutting staff or reducing business hours often only hurts your bottomline. You can save money in multiple ways that you might not have...

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What is individual policy and corporate policy in health insurance? WHAT IS INDIVIDUAL POLICY AND CORPORATE POLICY IN HEALTH INSURANCE?

blog article

Mar 25, 2019

Most people are confused about the difference between individual policy and corporate policy in health insurance. For them at the end of the day it’s just insurance, so why is there two different jargons for the same product. To some extent they are right in thinking this way. The difference i...

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Know all about Backdating in Life Insurance KNOW ALL ABOUT BACKDATING IN LIFE INSURANCE

blog article

Mar 25, 2019

Backdating your life insurance policy allows you to reduce premiums, claim for maturity at an earlier date or even choose an apt payment cycle. Keep reading for more. Some of the most popular games of the console era offer the ability to turn time back. Wouldn’t it be great if you could do the...

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Eight Things Every Driver Should Know about Insurance EIGHT THINGS EVERY DRIVER SHOULD KNOW ABOUT INSURANCE

blog article

Mar 25, 2019

Carrying auto insurance for your vehicle is the law. If caught without it, you may be subject to a significant fine, a suspended license, all the financial consequences when you are involved in a collision and even jail time. PRIME Insurance brings you some other facts that you ‘auto’ kn...

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SELLING MORTGAGE INSURANCE TO YOUR ROLLING 100 SELLING MORTGAGE INSURANCE TO YOUR ROLLING 100

blog article

Mar 25, 2019

New insurance agents in the mortgage insurance business often rely on their warm market to get started. But when the close friends and family run out so do the sales and the agent becomes a part of the 92% who fail out of the industry within three years. What if we told you we had a trick that keeps...

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What does mobile home insurance cover? WHAT DOES MOBILE HOME INSURANCE COVER?

blog article

Mar 25, 2019

It’s time to get mobile home insurance – hooray! (Okay, we understand that your hooray may be less than enthusiastic. Insurance isn’t a favorite thing for a lot of people.) Anyways, you need customized insurance for mobile home – a home insurance policy might not cover the ri...

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A Parent’s Guide to the End of the School Year A PARENT’S GUIDE TO THE END OF THE SCHOOL YEAR

blog article

Mar 25, 2019

It’s that time of year – kids are starting to see the light at the end of the tunnel. The school year is going to be wrapping up soon, so how will you as a parent help your child or children to buckle down and finish the year off strong, while simultaneously planning activities for summe...

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How to Compare Home Insurance Quotes Like a Pro HOW TO COMPARE HOME INSURANCE QUOTES LIKE A PRO

blog article

Mar 24, 2019

Let’s face it: homeowners insurance is a major part of buying a new home. After all, your home will be one of the most valuable assets you’ll ever own, and your homeowners insurance policy will protect that investment. But comparing homeowners insurance quotes can sometimes feel like you...

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Is it Time for Cyber Insurance? IS IT TIME FOR CYBER INSURANCE?

blog article

Mar 23, 2019

You don’t have to go far to hear about hacker attacks on high-profile companies and organizations. Any news source you look to for information whether it’s the TV, internet or print has a headline with the buzz word cyber. What does “cyber” mean? Cyber is anything have to do ...

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It’s Fix a Leak Week: Connect with Your Policyholders to Reduce Risk of Water Damage IT’S FIX A LEAK WEEK: CONNECT WITH YOUR POLICYHOLDERS TO REDUCE RISK OF WATER DAMAGE

blog article

Mar 23, 2019

Drip. Drip. Drip. It’s more than an annoying sound. It’s the sound of more than one trillion gallons of water wasted through leaks in American households. Most homeowners’ insurance policies cover unexpected water damage due to a plumbing malfunction or broken pipe. But, do your po...

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Disrupting fire risk underwriting with a data-driven solution DISRUPTING FIRE RISK UNDERWRITING WITH A DATA-DRIVEN SOLUTION

blog article

Mar 23, 2019

A few facts to consider: fires account for 28% of non-catastrophic home insurance losses, but fewer than 3% of all homeowner claims. And when fires do happen, the average loss is more than $66,000. Unlike other types of homeowner losses, fire losses rely on a community’s fire response capabili...

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Life Insurance with Diabetes | You Have Options LIFE INSURANCE WITH DIABETES | YOU HAVE OPTIONS

blog article

Mar 23, 2019

In today’s world of “instant information”, it’s easy to have some idea of how many people in the U.S. are dealing with diabetes. According to a report released in the summer of 2017, the Centers for Disease Control and Prevention (CDC) estimate over 10% of people living in th...

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The Best Insurance for New Drivers THE BEST INSURANCE FOR NEW DRIVERS

blog article

Mar 23, 2019

Learning how to drive is an exciting time in a person’s life.  However, teens are more likely to get into accidents due to lack of experience. When you are shopping around for car insurance for new drivers, it’s important that the coverage you choose will be there for them when acci...

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The Friday Five: small commercial opportunities, scanning phones after crashes, flooding in Midwest THE FRIDAY FIVE: SMALL COMMERCIAL OPPORTUNITIES, SCANNING PHONES AFTER CRASHES, FLOODING IN MIDWEST

blog article

Mar 22, 2019

Every week The Friday Five will bring you interesting news and information from around the insurance industry. This week: small commercial opportunities, scanning phones after crashes, flooding in Midwest. Big opportunities for small commercial insurers. For today’s small commercial insurers, ...

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BRAND STRATEGY FOR INSURANCE AGENT BRAND STRATEGY FOR INSURANCE AGENT

blog article

Mar 22, 2019

It is imperative for insurance agents to have a brand strategy to separate themselves from the thousands of other insurance agents. Personal branding is the answer to this problem. Below, you’ll find branding ideas from Secure Agent Leads designed for the online world we live in today. BRANDIN...

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Can being an anti-vaxxer raise your life insurance rates? CAN BEING AN ANTI-VAXXER RAISE YOUR LIFE INSURANCE RATES?

blog article

Mar 22, 2019

Can being an anti-vaxxer raise your life insurance rates? Term life insurance is pretty simple. You buy it for a certain period of time, usually 30 years. If you pass away during that period, it pays out. If the insurer thinks your risk of dying during that time is high, you'll pay more, and vic...

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Telematics, smart home systems drive meaningful customer engagement in P&C insurance TELEMATICS, SMART HOME SYSTEMS DRIVE MEANINGFUL CUSTOMER ENGAGEMENT IN P&C INSURANCE

blog article

Mar 22, 2019

Telematics and smart home ecosystems can enhance customer experience via more frequent and meaningful engagements. Technological advancements and the superior customer experiences offered by BigTech firms are spurring insurance customers to demand digital, simplified, and personalized options. A hig...

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THE TOP 10 INSURTECH DEALS OF 2018 THE TOP 10 INSURTECH DEALS OF 2018

blog article

Mar 22, 2019

The data for insurtech investments in 2018 is in. It reveals a maturing landscape characterized by ballooning investment volume and growing geographic diversity. For years, insurtechs have been producing some of the most exciting and innovative ideas in the insurance industry, from cutting-edge uses...

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HOW TO CHOOSE A COMMERCIAL INSURANCE AGENCY HOW TO CHOOSE A COMMERCIAL INSURANCE AGENCY

blog article

Mar 22, 2019

According to the The Houston Chronicle, commercial insurance is one of the most important, and complex, investments you can make in your business. But you already know this. Some agents or agencies, who themselves may not understand the complexities of the products, may leave you with gaps in covera...

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Does Your Property Insurance Cover Water Damage? DOES YOUR PROPERTY INSURANCE COVER WATER DAMAGE?

blog article

Mar 22, 2019

It's World Water Day and Spring is officially here, and with that comes more daylight, lighter jackets and also melting snow and increased rainfall. While spring is most certainly a welcome change from the unforgivably harsh winter weather, not effectively dealing with all that water can result ...

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HR 1756 would prevent insurers from using credit scores in auto insurance HR 1756 WOULD PREVENT INSURERS FROM USING CREDIT SCORES IN AUTO INSURANCE

blog article

Mar 22, 2019

Representative Rashida Tlaib, a freshman congresswoman from Michigan, recently introduced HR 1756, a bill that’s of special interest to the insurance industry. The bill would prohibit auto insurers from using a person’s credit score or credit history as a factor in setting car insurance ...

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What Insurance for the Sport Fishing Boat? WHAT INSURANCE FOR THE SPORT FISHING BOAT?

blog article

Mar 21, 2019

The sport fishing boat industry is focused on renting associated sea vessels to parties who wish to partake in the deep sea fishing experience. Game catches focus on species, such as tuna, marlin, swordfish, sharks and others. Like the commercial watercraft, sport fishing boats require property and ...

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HOW TRANSPORTATION INNOVATION IS TRANSFORMING INSURANCE HOW TRANSPORTATION INNOVATION IS TRANSFORMING INSURANCE

blog article

Mar 21, 2019

Dockless scooters. Bike sharing. Self-flying taxis. The way we move is changing—with big implications for insurance. Lines are blurring right now in the world of transportation on a scale note seen since the days of Henry Ford and the Model T. Services like Uber and Lyft offer transport-as-an-...

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How to care for your aging parents on a budget HOW TO CARE FOR YOUR AGING PARENTS ON A BUDGET

blog article

Mar 21, 2019

How to care for your aging parents on a budget. People are living longer than ever, thanks to modern medicine and advances in technology. By 2050, one-fifth of the U.S. population will be 65 and older, up from 12% in 2000, according to U.S. Census Bureau. Children born of older parents are faced wit...

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Emerging Tech Is Changing Loss Control from Periodic Inspections to Real-Time Prevention EMERGING TECH IS CHANGING LOSS CONTROL FROM PERIODIC INSPECTIONS TO REAL-TIME PREVENTION

blog article

Mar 21, 2019

Every insurer has some form of loss control or risk engineering function to help customers prevent losses and create a safer environment for their employees. Traditionally, these functions have been staffed with trained engineers who physically inspect properties and worksites to deliver risk contro...

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What’s a Home Inventory, and Why Do I Need One? WHAT’S A HOME INVENTORY, AND WHY DO I NEED ONE?

blog article

Mar 21, 2019

What if you were asked to make a list of everything inside your home from memory? Chances are, you’d end up forgetting a thing or two right? Well, if you ever have to file a homeowner’s insurance claim after a fire or major disaster, you could be asked to do just that. That’s why y...

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Will Business Insurance Cover Inventory Loss After a Storm? WILL BUSINESS INSURANCE COVER INVENTORY LOSS AFTER A STORM?

blog article

Mar 21, 2019

When a storm comes through any community, it can cause damage to property in a matter of minutes. Many times, the damage comes in the form of structural losses, such as the roof blowing off the property. Other times, it creates risks that go further, such as leaks that can cause you to lose the inve...

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CUSTOMERS ARE READY FOR AN INSURANCE MAKEOVER CUSTOMERS ARE READY FOR AN INSURANCE MAKEOVER

blog article

Mar 21, 2019

Everyone knows Toms Shoes – and you likely have a pair or more in your household.  I know we do!  Toms Shoes began in 2006 with a simple model. For every pair of Toms that was purchased, a pair would be given to someone in an area of poverty, most often in third-world communities. Wi...

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Spring Showers and Flooding Concerns SPRING SHOWERS AND FLOODING CONCERNS

blog article

Mar 21, 2019

We’ve said it before, and we’ll say it again. Anywhere it can rain, it can flood. You don’t have to live near a large body of water to be in danger of a flood disaster. Now that the weather is warming up, spring showers are on the way. Protect yourself from future flooding now. Her...

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Massachusetts Motorcycle Insurance MASSACHUSETTS MOTORCYCLE INSURANCE

blog article

Mar 20, 2019

With the cold weather starting to clear out, it’s almost time to get your motorcycle out of the garage. If you ride a motorcycle in the state of Massachusetts, then you legally need to get motorcycle insurance. If you already have car insurance, that’s not enough. You will need a separat...

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High winds in Amarillo, Texas toppled semi-trucks HIGH WINDS IN AMARILLO, TEXAS TOPPLED SEMI-TRUCKS

blog article

Mar 20, 2019

Last week, Oklahoma and Texas experienced some extreme weather – to put it mildly. There were high winds reaching sustained speeds of 67 miles per hour, and the highest wind gust clocked 84 miles per hour. The wind in Texas was so strong that it ripped trees from the ground, downed powerlines,...

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Grow your marketing consultant business beyond your ZIP code GROW YOUR MARKETING CONSULTANT BUSINESS BEYOND YOUR ZIP CODE

blog article

Mar 19, 2019

Expanding your marketing consultant business with clients outside your area can lead to lucrative new opportunities. In the digital age, it’s much easier to work beyond your ZIP code, but it does involve unique challenges. These tips can help you grow your consultant business by connecting wit...

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Meeting Market Demand with Standalone New Business and Underwriting Systems MEETING MARKET DEMAND WITH STANDALONE NEW BUSINESS AND UNDERWRITING SYSTEMS

blog article

Mar 19, 2019

Maintaining and improving market position for life insurers is becoming increasingly difficult in the face of persistently low interest rates and competition with (and for) distribution channels. What’s more, insurers are finding themselves having to accommodate generational shifts, an increas...

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See Vision Insurance more clearly SEE VISION INSURANCE MORE CLEARLY

blog article

Mar 19, 2019

It is commonly said that the eyes are the window to the soul. While the jury is out on whether or not that is true, it is a fact that your eyes can be a window to your health. Having regular eye exams and getting the right corrective eye wear is an important part of a person’s overall well bei...

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Why you should get disability insurance and life insurance WHY YOU SHOULD GET DISABILITY INSURANCE AND LIFE INSURANCE

blog article

Mar 19, 2019

It’s not something anyone likes to think about, but life-altering illnesses and injuries happen every day. We wouldn’t be able to get out of bed in the morning if we fixated on all the ways we could hurt ourselves: car accidents, bike accidents, tripping and falling during a run, slippin...

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BOOST THE ‘HEALTH’ OF YOUR INVESTMENT PORTFOLIO WITH THE RIGHT HEALTH INSURANCE PLAN BOOST THE ‘HEALTH’ OF YOUR INVESTMENT PORTFOLIO WITH THE RIGHT HEALTH INSURANCE PLAN

blog article

Mar 19, 2019

As we step into the new fiscal, most of us commence our annual tax planning regime. But how many of us really consider ‘Health Insurance’ as an important aspect of a personal investment portfolio? Even those who do, usually end up buying it just to save tax. This is not how health insura...

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Postal Life Insurance for Handicapped Person POSTAL LIFE INSURANCE FOR HANDICAPPED PERSON

blog article

Mar 19, 2019

Postal life insurance offers some amazing schemes and plans for physically handicapped people to choose from. Here are the details and benefits of the plans. Not a great deal of people might be aware of the fact that postal life insurance is one of the oldest insurers in the country. In fact, PLI ca...

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Your Auto Insurance May Cover Damage Caused by Birds YOUR AUTO INSURANCE MAY COVER DAMAGE CAUSED BY BIRDS

blog article

Mar 19, 2019

A bird may seem like a small, simple animal. However, it can cause damage to your assets including your car. If you have bird-related damage to your car, your auto insurance policy may cover it. Whether you have coverage depends on many factors. Among them is what type of coverage you have. Take a c...

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How Much House Can You Truely Afford HOW MUCH HOUSE CAN YOU TRUELY AFFORD

blog article

Mar 19, 2019

If you are in the market for a new home and have been preapproved for a big, fat mortgage you may want to step back and calculate what you can actually afford to cover on a monthly basis. There can often be a disconnect between what a homebuyer is approved for by their mortgage lender and what they ...

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Life Insurance for Housewives LIFE INSURANCE FOR HOUSEWIVES

blog article

Mar 18, 2019

The work done by housewives is always undervalued and thus, taking life insurance for them is considered a waste. Read on to know why life insurance is a must for housewives. Life Insurance is always meant to provide stability to a family on the loss of the bread earner of the family. It is very imp...

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How a Tailored Insurance Plan can protect the Security Guard HOW A TAILORED INSURANCE PLAN CAN PROTECT THE SECURITY GUARD

blog article

Mar 18, 2019

News sources cited the story of a Los Angeles, CA synagogue security guard and a suspicious-looking woman. After repeated warnings to stop filming the house of worship and leave the area, the security officer fired a warning shot to the ground, but injured the self-proclaimed activist in the foot. I...

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Sole proprietorship vs. LLC: What you need to know SOLE PROPRIETORSHIP VS. LLC: WHAT YOU NEED TO KNOW

blog article

Mar 18, 2019

How you classify your business is a decision that could affect your exposure to risk and how you pay taxes. The differences can be subtle, but it’s important to know the benefits of sole proprietorship versus a limited liability company before you start your business. What’s the differen...

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What to Know About Your MA Car Insurance Policy WHAT TO KNOW ABOUT YOUR MA CAR INSURANCE POLICY

blog article

Mar 18, 2019

Auto insurance is a key piece of your insurance portfolio. Thankfully with the help of the expert agents at Vargas and Vargas Insurance Agency, getting the right car insurance for your needs is easy. Call us at 617-298-0655 and ask for a free insurance quote – after you answer a few simple que...

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Annuities Promise Income Streams ANNUITIES PROMISE INCOME STREAMS

blog article

Mar 18, 2019

From the broadest perspective, an annuity works like a lot of other financial planning tools: You give up money now in exchange for more financial stability in the future. But annuities also have some significant differences — both strengths and weaknesses — when compared to other financ...

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10 tips if you’re renting out your home 10 TIPS IF YOU’RE RENTING OUT YOUR HOME

blog article

Mar 18, 2019

If you’re going to be away from home for a while, you might be considering renting out your house so you can earn some extra cash. You may as well let your house earn its keep, right? It’s not like you’re going to be using it anyway. Renting your home, though it may seem like a gre...

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WHY IS CONDO HOMEOWNERS INSURANCE SO IMPORTANT? WHY IS CONDO HOMEOWNERS INSURANCE SO IMPORTANT?

blog article

Mar 15, 2019

A condo homeowners insurance is an insurance policy that offers insurance for condo properties such as Transit City Condos from certain types of damages and it helps the condo homeowners to stay at peace. Also known as H06 insurance policy or walls-in coverage, a condo homeowner’s policy offer...

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Is Auto Insurance Tax Deductible? It Depends IS AUTO INSURANCE TAX DEDUCTIBLE? IT DEPENDS

blog article

Mar 15, 2019

Tax deductions are a way to lower your taxable income, so you can decrease the amount of taxes that you owe the government. Thinking about the different IRS-approved deductions as you prepare your tax returns may lead you to wonder: Is auto insurance tax deductible? The answer depends on how you use...

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HOW LEAD CONVERSION IMPROVES WHEN TEXTING HOW LEAD CONVERSION IMPROVES WHEN TEXTING

blog article

Mar 15, 2019

Maybe it should. Texting is the most widely used communication service in the world and 99% of texts are opened and read by the recipient. Marketers would kill for an open rate of 50% let alone 99%. But get this: Insurance leads that are sent three or more texts after first contact are 328% more lik...

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5 Tips for Buying Mortgage Protection Insurance 5 TIPS FOR BUYING MORTGAGE PROTECTION INSURANCE

blog article

Mar 15, 2019

With all the options available, finding the best mortgage protection insurance coverage can seem like quite a challenge. You might be wondering how much coverage you need, when you should buy it, how much it costs and how long you need your policy to last. We are here to help you make the best decis...

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The Data Marketplace: Emerging Platforms for Buying and Selling Data THE DATA MARKETPLACE: EMERGING PLATFORMS FOR BUYING AND SELLING DATA

blog article

Mar 15, 2019

Insurers have long leveraged third-party data providers to enhance and augment their data; more than 30 such vendors, both established and emerging, are covered in Novarica’s recent report External Data in Insurance: Overview and Prominent Providers. But a new category of data vendor is emergi...

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GARAGE SECURITY: JUST AS IMPORTANT AS HOME SECURITY GARAGE SECURITY: JUST AS IMPORTANT AS HOME SECURITY

blog article

Mar 15, 2019

You might think of your attached or detached garage as a storage place or junk room. But, think about the items you have inside the structure? Do you really want to lose them? Do you want to lose your car? If a thief were to gain access to the garage, then they could still cause you to lose a lot of...

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SEVEN THINGS YOU NEVER THOUGHT ABOUT WHEN BUYING A CAR (BUT WISH YOU HAD) SEVEN THINGS YOU NEVER THOUGHT ABOUT WHEN BUYING A CAR (BUT WISH YOU HAD)

blog article

Mar 15, 2019

Heated seats? Rust-proofing? And how about fabric protector for that next feast on the go? So many choices when buying a car! To those, we'd like to add a few not-so-obvious considerations to help you enjoy your new car even more when you drive it off the lot: Check insurance rates. Think both n...

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What Can I Do If My Car Is Stolen? WHAT CAN I DO IF MY CAR IS STOLEN?

blog article

Mar 15, 2019

Having your car stolen is a traumatic experience. You step out the door, and your car is simply gone – not there where you left it. Unfortunately, it happens every day to vehicle owners all over the U.S. The following is a checklist to prepare you in case that unhappy event ever happens to you...

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What is the multi-car discount? WHAT IS THE MULTI-CAR DISCOUNT?

blog article

Mar 15, 2019

If you’re like a lot of people, you’ll take any opportunity to save on car insurance. Which is perfectly sensible – car insurance can be pricey! Any opportunity to save money on your auto insurance is definitely worth considering. Since choosing the cheapest car insurance might not...

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How to Help Deter Burglars from Your Home HOW TO HELP DETER BURGLARS FROM YOUR HOME

blog article

Mar 15, 2019

Burglaries can happen at any time. While you may already lock your doors and windows while you’re away from home, or arrange for a neighbor to pick up your mail while you’re on vacation, keep these tips in mind to help protect yourself, your family and home year round. Upgrade Your Locks...

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5 Features to Consider before Finalizing a Health Insurance Plan 5 FEATURES TO CONSIDER BEFORE FINALIZING A HEALTH INSURANCE PLAN

blog article

Mar 15, 2019

A health insurance policy should be bought after thorough research and detailed study. It should not be purchased in a hurry; else you will miss some of the important features in the policy that would actually be the important ones. You must look at all the factors carefully before buying the health...

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Car Insurance Coverage: Full Tort vs Limited Tort CAR INSURANCE COVERAGE: FULL TORT VS LIMITED TORT

blog article

Mar 15, 2019

When you’re shopping around for car insurance, you may come across something called tort. You can opt for full tort or limited tort…but is there a difference? Oh there is!  The tort option in your car insurance can help you to recover out-of-pocket medical and certain other expense...

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D&O Insurance Pricing Trends 2019 D&O INSURANCE PRICING TRENDS 2019

blog article

Mar 14, 2019

D&O insurance pricing has flown under the radar for several years, with decreasing premiums and increasing market capacity.  But if industry expert projections hold, those days may be coming to an end. In the past, D&O insurance may have been purchased as an afterthought for some compan...

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BASIC VEHICLE SAFETY CHECKLIST FOR TEENS BASIC VEHICLE SAFETY CHECKLIST FOR TEENS

blog article

Mar 14, 2019

Does your teen's automotive know-how begin and end with pumping gas? You can boost their skills, confidence and safety when you teach them these six basics for taking care of a car. FLUID LEVELS.  Check and, if needed, top off oil, transmission, brake, power steering, radiator and windshiel...

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A LOOK AT THE TYPICALTEEN-DRIVER CRASH A LOOK AT THE TYPICALTEEN-DRIVER CRASH

blog article

Mar 14, 2019

Did you know that teen crashes tend to be different than crashes for most other drivers? They're more frequent, too. Teens have the highest crash risk of any age group per mile traveled. The list below shows risk factors observed in fatal crashes among 16-year-olds. And there's no denying it...

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HOW TO CUT INSURANCE COSTS FOR TEENS HOW TO CUT INSURANCE COSTS FOR TEENS

blog article

Mar 14, 2019

If you're about to add a teen driver to your policy, you're probably thinking not only about your teen's safety, but also what that means to your family budget. And your concern is justified! In every state, across every insurance company, rates for teens are considerably higher than for...

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CHOOSING A SAFE AND AFFORDABLE FIRST CAR CHOOSING A SAFE AND AFFORDABLE FIRST CAR

blog article

Mar 14, 2019

Did you know that what your teen drives also affects how they drive? Of all the worry-less things you can do before sending your teen out on the road, choosing the safest car possible may be the single most important. After all, even if your good advice is temporarily forgotten, the car (and its saf...

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A PARENT-TEEN DRIVING AGREEMENT YOU BOTH CAN LIVE WITH A PARENT-TEEN DRIVING AGREEMENT YOU BOTH CAN LIVE WITH

blog article

Mar 14, 2019

Washington and Oregon's graduated licensing laws set passenger and curfew restrictions on beginning teen drivers. But you don't have to stop there. Many parents apply their own house rules in addition to state laws. Some even create a signed parent-teen driving agreement. Search online and y...

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TOP 10 MISTAKES YOUNG DRIVERS MAKE TOP 10 MISTAKES YOUNG DRIVERS MAKE

blog article

Mar 14, 2019

It's a worrisome fact parents can't escape: Teen drivers are more accident-prone than anyone else on the road. Their inexperience, developing maturity and distractibility work against them. Fortunately, you can improve your teens' odds of safely navigating their risky first years when yo...

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WAITING UNTIL 18 TO DRIVE? DELAYED LICENSING FACTS WAITING UNTIL 18 TO DRIVE? DELAYED LICENSING FACTS

blog article

Mar 14, 2019

As a parent, you try to balance helping your child gain independence with waiting to introduce new responsibilities until they're ready. But did you know that when it comes to driving, waiting may not be the safest strategy? Statistics from the Washington State Department of Licensing show that ...

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FIND A DRIVER FIND A DRIVER'S ED PROGRAM THAT REALLY WORKS

blog article

Mar 14, 2019

Few parenting milestones can match that heart-in-throat moment when you watch for the first time as your teen driver backs out of the driveway – solo. But there is a way to worry less: Make sure your child has the benefit of driver's education training. Studies show that teens who take dri...

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Homeowner headaches: Protecting your basement from water damage HOMEOWNER HEADACHES: PROTECTING YOUR BASEMENT FROM WATER DAMAGE

blog article

Mar 14, 2019

Melting snow, rain showers, and warmer weather, oh my! The signs of spring are a welcome sight... until all that extra water winds up in your basement. Basements are especially prone to water damage and it's estimated that 98% of basements in the U.S. will suffer from some type of water damage d...

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Will Home Insurance Cover Insulation and Mold Damage from a Leaking Roof? WILL HOME INSURANCE COVER INSULATION AND MOLD DAMAGE FROM A LEAKING ROOF?

blog article

Mar 14, 2019

A small leak is all it takes. Within a short amount of time, the insulation in a roof can develop mold. The interior of the roof may have structural deficiencies as a result. When a situation like this occurs, it becomes essential to find a solution. Home insurance may not cover this type of damage....

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Knowing When to File a Homeowners Insurance Claim KNOWING WHEN TO FILE A HOMEOWNERS INSURANCE CLAIM

blog article

Mar 14, 2019

When is the right time to call your home insurance company? While most homeowners understand that they need to file a claim when their home sustains major damage, you may be reluctant to access your coverage otherwise.  However, there are certain situations in which you should call your home in...

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How to Store Your Outdoor Gear During the Offseason HOW TO STORE YOUR OUTDOOR GEAR DURING THE OFFSEASON

blog article

Mar 14, 2019

Whether it’s camping, biking, kayaking or skiing, there’s nothing quite like spending time outdoors. Getting outside can be a great way to disconnect from the stresses of everyday life, allowing you to clear your head while enjoying the added benefits of sunshine, fresh air and exercise....

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Condo, Home, or Renters Insurance? CONDO, HOME, OR RENTERS INSURANCE?

blog article

Mar 14, 2019

What insurance do you need to protect your home? Your living situation can affect your insurance. Living in a house, condo, or apartment requires different types of insurance coverage. When choosing coverage for your home, make sure that it is designed to help protect you and your belongings. Here i...

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How to Find a Lost Life Insurance Policy HOW TO FIND A LOST LIFE INSURANCE POLICY

blog article

Mar 14, 2019

It’s estimated that $1 billion in benefits from forgotten and lost life insurance policies are sitting unclaimed in America, says Consumer Reports. Could you be among the estimated 1 in 600 people who may be the beneficiary of an unclaimed life insurance policy? If so, there are ways to find o...

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Finding the Best Life Insurance Using Five Simple Questions FINDING THE BEST LIFE INSURANCE USING FIVE SIMPLE QUESTIONS

blog article

Mar 14, 2019

How do you buy life insurance? A question this simple deserves a simple answer. But in reality, the wide variety of life insurance coverage options available in the marketplace confuses many shoppers, and they lose track of the coverage they really need. Shoppers forget to ask: Why do I need insuran...

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5 risks that auto repair shops face 5 RISKS THAT AUTO REPAIR SHOPS FACE

blog article

Mar 13, 2019

If you have an auto body shop or an auto repair shop, there are plenty of risks that you need to be aware of. Knowing about the risks you face is the first step to managing those risks and preventing them from threatening your business’s financial well-being. It’s not that we’re tr...

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How to Help Your Car Recover from Winter HOW TO HELP YOUR CAR RECOVER FROM WINTER

blog article

Mar 13, 2019

Your car has battled snow, ice, salt and potholes for months on end. Now that winter’s in the rear-view mirror, certain aspects of your car need a little more TLC than others. SPRING CAR MAINTENANCE: 8 THINGS TO CHECK. Tires: In the snow belt, now is the time to swap your snow tires for your a...

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Can You Get Life Insurance After a Heart Attack CAN YOU GET LIFE INSURANCE AFTER A HEART ATTACK

blog article

Mar 13, 2019

Having a heart attack typically makes a consumer more conscious of their mortality and the responsibilities they have toward their dependents. Unfortunately, at the same time going through a heart attack can create challenges when it comes to finding a good life insurance policy. Nevertheless, it...

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5 Brilliant Ideas for your Bonus Room 5 BRILLIANT IDEAS FOR YOUR BONUS ROOM

blog article

Mar 12, 2019

Maybe your tax refund is burning a hole in your pocket. Or maybe your son or daughter finally fled the nest and the empty room is driving you crazy. Whatever your motivation, there are lots of reasons to personalize some extra space in your home. Even better? Consumer Reports estimates that adding a...

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Tips for managing risks and threats to your tech startup TIPS FOR MANAGING RISKS AND THREATS TO YOUR TECH STARTUP

blog article

Mar 12, 2019

As the owner of a tech startup, you sometimes have to take risks if you want to be successful. How an entrepreneur manages risks can determine whether a business succeeds or fails. Here are several typical risks faced by startup businesses in the tech industry and tips to mitigate them: Running out ...

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Estate planning and keeping a farm in the family ESTATE PLANNING AND KEEPING A FARM IN THE FAMILY

blog article

Mar 12, 2019

A farm is like any other business ― and not like any other business ― when it comes time to pass it on after an owner’s retirement or death. First and foremost, the largest asset, by and large, is land. While there is typically a ready market for real estate, many in the farming business are r...

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YOUR GUIDE TO WHAT’S NEW IN HEALTHCARE FOR 2019 YOUR GUIDE TO WHAT’S NEW IN HEALTHCARE FOR 2019

blog article

Mar 12, 2019

It’s time! Although there was speculation as to whether the Affordable Care Act (ACA) would make it through to 2019, it looks like it’s hanging on for at least one more year. This means it is time once again for another rundown of “what’s new, what’s the same, and what ...

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Things to keep in mind while selecting a health insurance policy THINGS TO KEEP IN MIND WHILE SELECTING A HEALTH INSURANCE POLICY

blog article

Mar 12, 2019

Health without any doubts is the most significant aspect of our lives with Good Health being the key to not just a happy but prosperous life. While most of us focus on living healthy and adopting a better lifestyle as a way to maintain good health, we overlook how despite our best efforts there are ...

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What Type of Business Insurance Coverage Does a Grocer Need? WHAT TYPE OF BUSINESS INSURANCE COVERAGE DOES A GROCER NEED?

blog article

Mar 12, 2019

One of the fastest growing small business sectors is the independent grocer. Gone are the days when only the large retailers could capture a customer base. Today’s consumer is after not just affordable products, but also specialization. Small town grocers offer this. However, these are high-ri...

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Coverage and Benefits of Two Wheeler Insurance Online COVERAGE AND BENEFITS OF TWO WHEELER INSURANCE ONLINE

blog article

Mar 12, 2019

Riding a bike is not only exciting but also risky especially on crowded roads in India. A bike insurance policy with liability coverage is mandatory in India so you have to avail bike insurance online plans to stay safe from liabilities to third parties. There are ample of two-wheeler insurance prov...

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National Travel Insurance Policy – All the Ways Protection during Your Travel NATIONAL TRAVEL INSURANCE POLICY – ALL THE WAYS PROTECTION DURING YOUR TRAVEL

blog article

Mar 12, 2019

National Travel Insurance plans are chiefly designed for those who travel overseas for holiday trip, business trip and for education. It offers protection against expected mishaps during a foreign trip. Unforeseen situations like passport or baggage loss may ruin your trip. Resort to National Insura...

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8 Life Events That Can Cause Your Auto Insurance Rate To Drop 8 LIFE EVENTS THAT CAN CAUSE YOUR AUTO INSURANCE RATE TO DROP

blog article

Mar 12, 2019

Most people dread getting older every year, but there are upsides. One is being considered a more experienced driver by your Car Insurance company. If you received your driver’s license as a teen, you or your parents probably experienced high insurance rates. As a young driver, you have less d...

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How to Help Your Home Recover from Winter HOW TO HELP YOUR HOME RECOVER FROM WINTER

blog article

Mar 12, 2019

There’s a sense of deep pride that comes with being a homeowner. But with that satisfaction comes its share of weekend home improvement projects and upkeep, too. Winter is usually rough on your home. Once snow, ice, wind and freezing temperatures calm down, spring is a good time to check how y...

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How to Register a Car in PA and How Much Does It Cost? HOW TO REGISTER A CAR IN PA AND HOW MUCH DOES IT COST?

blog article

Mar 12, 2019

First of all congrats! Buying your first brand new car or used car that’s new to you is a major milestone. As you prepare to embark on that first exciting step, you start learning about a whole lot of other things that you need to do as part of the process. Proof of insurance? Getting license ...

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Is Health Insurance Optional If your Employer Offers it? IS HEALTH INSURANCE OPTIONAL IF YOUR EMPLOYER OFFERS IT?

blog article

Mar 11, 2019

Health insurance is required by law to help protect individuals and to make sure they can get the help they need when they go to the hospital or the doctor. That being said, employers are not required to offer health insurance in certain instances and employees may not be required to take it. For th...

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APPOINTMENT-SETTING TIPS FOR SELLING INSURANCE APPOINTMENT-SETTING TIPS FOR SELLING INSURANCE

blog article

Mar 11, 2019

One of the most difficult parts about selling insurance is setting the appointment. In fact, the number one reason insurance agents fail is because they do not see enough people per week. What can you do to fix that? Stop making these mistakes during the appointment-setting process: WEAK INTRO. Secu...

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What is supplemental life insurance? WHAT IS SUPPLEMENTAL LIFE INSURANCE?

blog article

Mar 11, 2019

Supplemental life insurance is coverage you can purchase from your employer in addition to the group life insurance they already offer. It’s usually paid for out of your paycheck, like group life insurance. While group life insurance is part of your benefits package from your employer and ther...

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What You Should Know About Life Insurance for Diabetics WHAT YOU SHOULD KNOW ABOUT LIFE INSURANCE FOR DIABETICS

blog article

Mar 11, 2019

Applying for life insurance with a pre-existing medical condition can be intimidating. You may be aware that a pre-existing health condition may impact your premium amount and even your eligibility in some cases. However, if you are one of the millions of Americans who have diabetes, you understanda...

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Is There Such a Thing as Too Much Auto Insurance Coverage? IS THERE SUCH A THING AS TOO MUCH AUTO INSURANCE COVERAGE?

blog article

Mar 11, 2019

Many people in Little Falls, MN, and surrounding areas approach auto insurance by considering the minimum required amounts of coverage. At Hanneken Insurance Agency Inc. we want you to know why you should consider the opposite approach. Minimums get you on the road, but having more insurance is far ...

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How to insure your engagement ring HOW TO INSURE YOUR ENGAGEMENT RING

blog article

Mar 11, 2019

If you just got engaged, congratulations! It’s a very exciting time. You’ve got a wedding to plan, guests to invite, a venue to choose, and about a million other things to do. But already you’re worried that something might happen to the ring – the sparkly, gorgeous, beautifu...

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HOW INSURANCE COMPANIES UNDERPAY HURRICANE INSURANCE CLAIMS HOW INSURANCE COMPANIES UNDERPAY HURRICANE INSURANCE CLAIMS

blog article

Mar 11, 2019

Most homeowners are diligent about paying the premiums on their property insurance so that they are covered in the event of a loss from a natural disaster.  So, you’re hopeful that your insurance company will honor your policy and pay for the damages you’ve claimed.  Unfortunat...

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10 things you need to know about car insurance 10 THINGS YOU NEED TO KNOW ABOUT CAR INSURANCE

blog article

Mar 08, 2019

When it comes to handling anything car insurance related, you might be tempted to back away slowly with no sudden movements – car insurance follows the same logic as snakes, right? It’s an understandable reaction. Auto insurance can get, well, complicated, and there are plenty of things ...

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The New Risks: Are Insurers Prepared to Respond? THE NEW RISKS: ARE INSURERS PREPARED TO RESPOND?

blog article

Mar 08, 2019

Business model disruption is just a new risk or two away. In today’s new market dynamic risk is a two-way street for insurers.  Some new risks may afford them the opportunity to step in and provide coverage to another market. Other risks might shake the foundations of insurance and force ...

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Don DON'T LOSE SIGHT OF YOUR EYE SAFETY PRACTICES IN THE WORKPLACE

blog article

Mar 08, 2019

Our eyes are our windows to the world. It's a common, yet incredibly true phrase that we are all familiar with. Our eyes are remarkable and wonderful organs in our bodies. Through them, we experience and interpret the events around us, earn our livings, pursue leisure activities, and enrich our ...

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Don’t hide your pre-existing illnesses when buying health insurance DON’T HIDE YOUR PRE-EXISTING ILLNESSES WHEN BUYING HEALTH INSURANCE

blog article

Mar 08, 2019

One of the most common mistakes which most of you commit when buying a health insurance plan is not disclosing or lying about your medical condition when filling up the proposal form. You believe that disclosing your existing medical complications would either result in the rejection of the policy o...

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Cheapest Car Insurance in PA CHEAPEST CAR INSURANCE IN PA

blog article

Mar 08, 2019

Ever see a cheap car insurance rate in Pennsylvania and think, “Is this for real?” Here we take a look at what cheap auto insurance really means, which is “affordable”. Easy on the wallet, but still getting the “right” auto insurance for you and your vehicle. Chea...

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Is it Possible to File a Claim for Auto Insurance for Whiplash? IS IT POSSIBLE TO FILE A CLAIM FOR AUTO INSURANCE FOR WHIPLASH?

blog article

Mar 07, 2019

Whiplash is a painful, debilitating condition that occurs as a result of rapid back and forth movement of the head. A rear-ending car crash is a common instance in which whiplash occurs. If it happens to you, you may begin to feel pain a day or so after. What should you do if you develop this condit...

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Tips for Prepping Your Home for Spring TIPS FOR PREPPING YOUR HOME FOR SPRING

blog article

Mar 07, 2019

How to get your home ready for the change in seasons. With the first day of spring rapidly approaching, there are certain steps that homeowners should take to get their property ready.  Not sure what you should do to prep your home for this spring?  Here are some of the suggestions you sho...

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HOW TO SELL MEDICARE INSURANCE OVER THE PHONE HOW TO SELL MEDICARE INSURANCE OVER THE PHONE

blog article

Mar 07, 2019

Most insurance agents think selling Medicare over the phone is going to be easy until they start getting rejected. Then, the doubt sets in and they aren’t motivated to pick up the phone and eventually become one of the 92% of insurance agents who fail in the first three years of business. Our ...

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Significance of Health Insurance in Our Everyday Life SIGNIFICANCE OF HEALTH INSURANCE IN OUR EVERYDAY LIFE

blog article

Mar 07, 2019

In life, nothing is guaranteed. Therefore, you must not take your good and sound health of yours for granted. We are only human and that is why we can’t see what future is holding for us. You can’t predict any misfortune that could hamper your health. Nowadays, in the middle of unhealthy...

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How to Assess Insurance for Your Small Business HOW TO ASSESS INSURANCE FOR YOUR SMALL BUSINESS

blog article

Mar 07, 2019

Small businesses need insurance just as much as any large corporation would. Accidents and unexpected events happen, even if you don’t expect it. When these incidents occur, insurance is there to help protect your business financially. And because every business is unique, your insurance cover...

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HOW SELF-DISCIPLINE BOOSTS INSURANCE SALES HOW SELF-DISCIPLINE BOOSTS INSURANCE SALES

blog article

Mar 07, 2019

In the insurance sales world, it is imperative that agents are self-starters and keep their foot on the gas. Going 100 percent every day is not easy, however, and sometimes the drive just isn’t there some days. Cody Askins, Owner of Secure Agent Leads, has three rules he uses to help with his ...

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Situations Where You Should File a Home Insurance Claim SITUATIONS WHERE YOU SHOULD FILE A HOME INSURANCE CLAIM

blog article

Mar 07, 2019

Contact your home insurance agency immediately if you find yourself in these situations. While you know that you should call your home insurance provider if your home sustains major damage, you might not know when to contact your insurer otherwise.  Here are some of the other scenarios in which...

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Protect Your Investment with the Right Rental Property Insurance Coverage PROTECT YOUR INVESTMENT WITH THE RIGHT RENTAL PROPERTY INSURANCE COVERAGE

blog article

Mar 07, 2019

Rental property insurance, often known as landlord insurance, may not be required by law, but it’s a smart way to protect your property and the investments you’ve made as a landlord. Consider it a good business decision. Here’s what you need to know about insuring your rental prope...

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Why You Need a Smart Home Security System WHY YOU NEED A SMART HOME SECURITY SYSTEM

blog article

Mar 07, 2019

The benefits of smart home security systems. If you want to protect your home, your belongings, and your loved ones, then investing in a home security system is a great way to accomplish these goals.  Today, smart home security systems are capable of doing more than alerting you during a break-...

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Insurance Industry Stats That Will Blow Your Mind INSURANCE INDUSTRY STATS THAT WILL BLOW YOUR MIND

blog article

Mar 07, 2019

Everyone knows the insurance industry is huge. However, you may not know how big it actually is. Here are some facts and figures from the Insurance Information Institute that are real eye-openers. Premiums. Premiums for the insurance industry in the United States totaled a whopping $1.2 trillion in ...

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4 flatbed truck insurance coverages to consider 4 FLATBED TRUCK INSURANCE COVERAGES TO CONSIDER

blog article

Mar 06, 2019

If you have flatbed trucks, you spend a lot of hours on the road – and let’s face it, the road isn’t always the safest workplace. Whether you’ve got a couple of trucks or you manage a fleet, it’s important to make sure that your trucks are protected by the right flatbed...

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ELSS vs ULIP: Which Is A Better Tax Saving Investment For 2019-20? ELSS VS ULIP: WHICH IS A BETTER TAX SAVING INVESTMENT FOR 2019-20?

blog article

Mar 06, 2019

Income tax can not only reduce your take-home salary, it can also put a dent in your investment returns. That is why you need to consider a well-thought out investment plan that can boost your earnings and help you attain your investment objectives. Equity Linked Savings Schemes (ELSS) and Unit Link...

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How To Minimize Your 2018-19 Taxes by March HOW TO MINIMIZE YOUR 2018-19 TAXES BY MARCH

blog article

Mar 06, 2019

With the financial year coming to a close, tax planning and saving is a primary concern for all. In this article, we will cover some last-minute tax saving tips that can help you save big before the end of the financial year. As another financial year comes to a close, it’s a period when many ...

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Thousands of Homeowners in Florida Have Drop Coverage THOUSANDS OF HOMEOWNERS IN FLORIDA HAVE DROP COVERAGE

blog article

Mar 06, 2019

Homeowners that have a mortgage on their home are required to carry homeowners insurance in order to protect the invest their mortgage lender has made in their home but once that mortgage is paid off, homeowners are free to dump their insurance. Unfortunately, thousands of people in Florida have mad...

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Know your health plan’s exclusions KNOW YOUR HEALTH PLAN’S EXCLUSIONS

blog article

Mar 06, 2019

Health insurance plans provide a comprehensive scope of coverage. You not only get coverage for hospitalization related expenses but also for expenses which are incurred before and after hospitalization as well. Moreover, day care treatments, domiciliary treatments, organ donor expenses, AYUSH treat...

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Why use an online life insurance cost calculator? WHY USE AN ONLINE LIFE INSURANCE COST CALCULATOR?

blog article

Mar 06, 2019

Calculators: They’re great. Whether you were using them to type juvenile messages in elementary school or playing games on your fancy graphing calculator in calculus class, they’ve always helped you… well, goof off. (We’ll also assume they also helped you add, subtract and c...

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Planning key to successful home renovation PLANNING KEY TO SUCCESSFUL HOME RENOVATION

blog article

Mar 05, 2019

DO IT YOURSELF OR HIRE IT OUT?
One of the first questions you may consider is whether to do the work yourself or hire a contractor. The internet is full of videos showing step by step how to complete almost any task. If you have the skills, you might get just what you want by doing it yoursel...

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SHOULD AGENTS BUY INSURANCE LEADS? SHOULD AGENTS BUY INSURANCE LEADS?

blog article

Mar 05, 2019

Agents without insurance leads are unemployed. But should they be buying their leads or should they be trying to figure out lead generation by themselves? There is no one-size-fits-all answer to this question. Buying leads. For most insurance agents, buying insurance leads is part of their weekly ro...

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5 Tax Season Tips to Help Save Money and Time 5 TAX SEASON TIPS TO HELP SAVE MONEY AND TIME

blog article

Mar 05, 2019

It’s tax time! Filing taxes can be hectic and stressful. Between gathering the information you need for the tax return, capturing transactions and meeting deadlines, it can take a toll on your emotional and mental state. Not to mention, worrying about the amount of money you have to pay in tax...

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Buy Affordable Life Insurance with Sleep Apnea BUY AFFORDABLE LIFE INSURANCE WITH SLEEP APNEA

blog article

Mar 05, 2019

Ask around and you’ll likely find that many people take sleep apnea lightly. This is likely because most people are unaware of the effects of sleep apnea. Most think of sleep apnea as the cause of loud snoring and shortness of breath during the night. Unfortunately, sleep apnea can lead to a l...

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9 hazards hiding in your small business 9 HAZARDS HIDING IN YOUR SMALL BUSINESS

blog article

Mar 05, 2019

You work hard to build your business, create an inviting workplace and foster a fantastic culture, but it’s also your job to make sure your workplace is safe for employees. Of course, you maintain appropriate insurance coverage. You check the smoke detectors regularly, keep an up-to-date first...

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Why You Must Go for Bajaj Allianz Health Insurance? WHY YOU MUST GO FOR BAJAJ ALLIANZ HEALTH INSURANCE?

blog article

Mar 04, 2019

Health is undeniably the most precious asset you can have throughout your lifetime. Therefore, securing your health should be your very first priority. Given that health-related contingencies can occur without your knowing, health must be secured in the best way possible. The finest yet the best way...

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How Your Good Habits Can Earn You No-Cost Life Insurance (Starting at $10k-25k) with the Avibra App HOW YOUR GOOD HABITS CAN EARN YOU NO-COST LIFE INSURANCE (STARTING AT $10K-25K) WITH THE AVIBRA APP

blog article

Mar 04, 2019

Have you ever wished for more than closed circles, little check marks or ‘good job!’ messages whenever you stick to a good habit? Now, that morning jog and green juice you picked up from the shop around the corner is benefiting you in more ways than one. Life insurance is often thought o...

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Is Life Insurance for Fit People Less Expensive IS LIFE INSURANCE FOR FIT PEOPLE LESS EXPENSIVE

blog article

Mar 04, 2019

Thinking about your mortality can be stressful on many levels, and one of the more common stressors relates to what life will be like for your loved ones after you pass. The emotional impact of your death can be difficult for your loved ones to bear, and their grief can be compounded by financial st...

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8 workplace safety tips for employers 8 WORKPLACE SAFETY TIPS FOR EMPLOYERS

blog article

Mar 04, 2019

Developing a culture of safety at your business is important. In addition to protecting your employees and customers, workplace safety can also save you money. The fewer workers’ compensation claims that are brought against your business, the lower your rates will be. These eight tips can help...

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Can you sell your life insurance policy? CAN YOU SELL YOUR LIFE INSURANCE POLICY?

blog article

Mar 04, 2019

Older Americans looking to stretch their financial reserves through their golden years might find help from a surprising resource — their own deaths. Or more specifically, the sale of life insurance policies to investors hoping to profit from bets on when original policyholders die. Life insur...

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What happens if my garage burns down with my car in it? WHAT HAPPENS IF MY GARAGE BURNS DOWN WITH MY CAR IN IT?

blog article

Mar 04, 2019

When a fire breaks out, it’s not exactly going to ask where it should go or what it should and should not eat. But what if your car is in your garage when the fire starts and it consumes your beloved, four-wheeled friend? How does that work? Would your home insurance cover it? We’ll expl...

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The Average Cost of Taxi Insurance (Updated for 2019) THE AVERAGE COST OF TAXI INSURANCE (UPDATED FOR 2019)

blog article

Mar 04, 2019

The Average Cost of Taxi Insurance: What to Expect. Any taxi driver knows that it’s not just the money that you earn from fares that is important. The cash you spend on your annual outgoings, like taxi insurance, can also have a big impact on whether you can afford to take the family away on h...

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8 Tips for First Time Life Insurance Buyers 8 TIPS FOR FIRST TIME LIFE INSURANCE BUYERS

blog article

Mar 04, 2019

Maybe you just got married. Or had your first child. Or started a business. Whatever the life event is, you are now buying life insurance for the first time. And that might intimidate and confuse you a little. Help ease your mind by reading the following advice for anyone who is buying life insuranc...

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What is Renters Insurance and Why Do I Need It WHAT IS RENTERS INSURANCE AND WHY DO I NEED IT

blog article

Mar 04, 2019

If you’re looking to rent an apartment, make sure looking into renters insurance is at the top of your list. Yes, your landlord has an insurance policy, but more often than not, that policy won’t cover your belongings should there be a theft or fire. Here are six things to consider when ...

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7 pro tips for getting car insurance coverage 7 PRO TIPS FOR GETTING CAR INSURANCE COVERAGE

blog article

Mar 01, 2019

If you’re getting car insurance, you’re probably wondering what the best way to go about that is. What do you need to know about car insurance? What are some of the tips and tricks you need to know? Auto insurance might seem like a complicated thing, so to help you when you’re gett...

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A Complete Guide How Motor Insurance Works? A COMPLETE GUIDE HOW MOTOR INSURANCE WORKS?

blog article

Mar 01, 2019

When things go wrong while you are driving, motor insurance will be a lifesaver. It protects the driver from the financial loss that can occur during an unfortunate accident. Based on the coverage purchased, this can also extend to third party damage. Car insurance is essential and required by law t...

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Public Provident Fund: Why is It the Best Option to Save Tax? PUBLIC PROVIDENT FUND: WHY IS IT THE BEST OPTION TO SAVE TAX?

blog article

Mar 01, 2019

Public Provident Fund, popularly known as PPF is a popular scheme among the financial advisor and investors because of its flexible nature. The tax benefits PPF offers makes it a highly lucrative plan for both small and big investors. The Public Provident Fund plan was introduced in 1968 by the Mini...

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This Is Why You Should Buy a Child Insurance Plan THIS IS WHY YOU SHOULD BUY A CHILD INSURANCE PLAN

blog article

Mar 01, 2019

A combination of investment and insurance for a long term and secure future of the children comes under the definition of "children’s insurance plan". Being a responsible guardian it not only is the responsibility of the parent to look after the kid when they are starting but at the ...

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Save Tax with Life Insurance and Pension Benefits SAVE TAX WITH LIFE INSURANCE AND PENSION BENEFITS

blog article

Mar 01, 2019

Many people in today’s era don’t feel the need and interest to invest and think about the benefits that arises if one invests and gets a life insurance plan. Subscribing to life insurance plan makes sure that if any kind of mishaps take place or if any of the family members come across a...

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How does a life insurance beneficiary file a claim? HOW DOES A LIFE INSURANCE BENEFICIARY FILE A CLAIM?

blog article

Mar 01, 2019

The death of a loved one is, of course, a stressful time. Not only are you grieving, you might also be bearing a heavy load of practical and logistical work related to funeral planning, bureaucracy (like getting a death certificate) and so on. One area where we hope we can make life easier: Filing a...

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5 THINGS ABOUT DEAL BOARD (CRM TOOL) TO BOOST YOUR AGENCY IN 2019 5 THINGS ABOUT DEAL BOARD (CRM TOOL) TO BOOST YOUR AGENCY IN 2019

blog article

Mar 01, 2019

For any agent, keeping track of customers, clients, prospects, and a thousand other things is not an easy task. It demands hard work and undivided attention just to keep things moving. But utilizing CRM (Customer Resource Management) tools built by InsuredMine helps agents get things under control. ...

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Term versus whole life insurance: Which is best for you? TERM VERSUS WHOLE LIFE INSURANCE: WHICH IS BEST FOR YOU?

blog article

Feb 28, 2019

When it comes to shopping for life insurance the decision on whether to get a term or whole life policy is the end-all debate. Term life insurance advocates say it’s the better option because of its affordable pricing and ample coverage. Others insist permanent life insurance is the way to go ...

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You cannot afford to NOT have a Term Insurance Plan YOU CANNOT AFFORD TO NOT HAVE A TERM INSURANCE PLAN

blog article

Feb 28, 2019

If there’s one thing common in everybody’s life, it’s the sheer unpredictability that it comes with. It surrounds everything, from your personal space to your financial space and more. While living on the edge might be something you’d hashtag with your photos on Instagram, th...

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5 Year Term Life Insurance 5 YEAR TERM LIFE INSURANCE

blog article

Feb 28, 2019

Because of it's low premium costs the 5 year term life insurance policy is one of the easiest policies to understand. It maintains a guaranteed level premium for 5 years. With many companies, if you don't convert this policy, you will have no more insurance after the 5 year period has passed...

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7 Simple Ways to Save Money on Car Insurance Quotes 7 SIMPLE WAYS TO SAVE MONEY ON CAR INSURANCE QUOTES

blog article

Feb 28, 2019

Modern life has no shortage of ongoing costs looking to sap your bank account, so you need to look for ways to save money wherever you can. One of the most frustrating is the cost of car insurance — something that you’re legally required to pay (no matter the safety of your driving), but...

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Do I Actually Need Homeowners Insurance? DO I ACTUALLY NEED HOMEOWNERS INSURANCE?

blog article

Feb 28, 2019

Asking if homeowners insurance is required is sort of like asking whether applying sunscreen is required. Turns out, homeowners insurance isn’t required by law. But just like buying sunscreen, it may help you avoid a helluva lot of trouble in the long term. Whether you’re thinking of buy...

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Why You Should Choose A Insurance Broker? WHY YOU SHOULD CHOOSE A INSURANCE BROKER?

blog article

Feb 28, 2019

Like in many other countries, in India as well, the concept of insurance brokers have been introduced by the Insurance Regulatory & Development Authority of India (IRDAI) through the Insurance Brokers Regulation 2002 which was amended in 2013. Functions and code of conduct of an insurance broker...

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From Successful Traditional Leader to Next Generation Leader in the Future of Insurance FROM SUCCESSFUL TRADITIONAL LEADER TO NEXT GENERATION LEADER IN THE FUTURE OF INSURANCE

blog article

Feb 28, 2019

This insightful quote is just as true for insurers as it is for any company that has been a successful leader in its market.  It is a time of disruption and change – technological revolution, fast-changing customer needs and expectations, and shifts to an on-demand, sharing, Gig and platf...

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Insurance for Rideshare Drivers INSURANCE FOR RIDESHARE DRIVERS

blog article

Feb 28, 2019

Driving for Uber or Lyft is a popular, and growing, profession. While there are benefits to driving with these companies, it’s important to make sure that you are protected on the job. Lyft and Uber have some supplemental coverage for its drivers. However, if you want to be fully protected, yo...

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North Carolina Homeowners Could See Insurance Rate Increases NORTH CAROLINA HOMEOWNERS COULD SEE INSURANCE RATE INCREASES

blog article

Feb 28, 2019

The North Carolina Rate Bureau (NCRB) recently proposed a homeowners insurance rate increase that local officials across the state are claiming is unfair, especially in coastal areas.  The NCRB filed a rate increase request on December 20ththat proposes a statewide 17.4 percent rate increase fo...

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Affordable Life Insurance for Seniors over 65 AFFORDABLE LIFE INSURANCE FOR SENIORS OVER 65

blog article

Feb 28, 2019

When seniors over 65 are shopping for life insurance, there are typically two reasons they need coverage at this point in their life: they have life insurance now but would like to add additional coverage or they had life insurance and had to give it up and need to replace it. Whatever your reason i...

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Does Home Insurance Cover Mold Damage? DOES HOME INSURANCE COVER MOLD DAMAGE?

blog article

Feb 28, 2019

What does homeowners insurance cover when it comes to mold? Unfortunately, mold is a common issue that many homeowners face.  To make matter worse, mold growth can create unsafe living conditions and result in serious damage to your home. Luckily, many homeowners insurance policies offer covera...

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How Dogs Can Affect Your Insurance HOW DOGS CAN AFFECT YOUR INSURANCE

blog article

Feb 27, 2019

In some states, owning a dog can affect your homeowners insurance policy. Although you may love your dog, it can sometimes make it harder to get homeowners insurance coverage. There are some insurance companies who may deny you coverage due to your dog’s breed. Certain breeds are deemed &ldquo...

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5 ways to avoid general liability insurance claims at your auto repair shop 5 WAYS TO AVOID GENERAL LIABILITY INSURANCE CLAIMS AT YOUR AUTO REPAIR SHOP

blog article

Feb 27, 2019

If you have an auto repair shop or an auto body shop, you’re in the line of fire of plenty of risks every day. Sure, your auto repair shop insurance can help you out of a tight spot if you have a general liability claim, but it’s probably a better idea to just avoid that claim in the fir...

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8 types of insurance you can’t go without 8 TYPES OF INSURANCE YOU CAN’T GO WITHOUT

blog article

Feb 27, 2019

Insurance can be confusing. The fear of being under-insured or over-insured looms as you make decisions about everything from whether to opt in to your company’s dental plan to how much coverage to carry on your jewelry. It’s highly unlikely that you would need to purchase every type of ...

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Is Life Insurance Different for Occasional Smokers IS LIFE INSURANCE DIFFERENT FOR OCCASIONAL SMOKERS

blog article

Feb 27, 2019

As you prepare to purchase a new life insurance policy, you may be concerned about how your smoking habit could impact your rates. If you are like many smokers, you may only smoke occasionally, such as on the weekends. Because other people who have a pack-a-day habit understandably smoke much more t...

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Buying home insurance: how to customize your coverage BUYING HOME INSURANCE: HOW TO CUSTOMIZE YOUR COVERAGE

blog article

Feb 27, 2019

When you’re shopping for home insurance, your licensed insurance broker will walk you through the process and help you understand the ins and outs of the coverage available to you. But before you have that conversation, we’ve got five tips to help you make sure you get the right coverage...

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How to Get Car Insurance with a Suspended License HOW TO GET CAR INSURANCE WITH A SUSPENDED LICENSE

blog article

Feb 26, 2019

If you own a vehicle, you should have auto insurance on it. This is true even if you have a suspended license. In all situations, if you do not have an active license, you should not drive. That does not mean you have to sell your cars, though. Instead, you need to maintain proper insurance coverage...

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Advantages of third party two wheeler insurance ADVANTAGES OF THIRD PARTY TWO WHEELER INSURANCE

blog article

Feb 26, 2019

Two-wheeler insurance is a must and mandatory for every bike owner in the country. This helps in safeguarding and protecting the owner of the vehicle from road accidents and other such perils associated with motor vehicles. Being involved in a bike related incident can mean that you may have to spen...

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High child care costs put strain on American families in every state HIGH CHILD CARE COSTS PUT STRAIN ON AMERICAN FAMILIES IN EVERY STATE

blog article

Feb 26, 2019

With rising prices for housing and goods, a larger number of single-parent households and increased female participation in the workforce, the number of young families with stay-at-home parents is far below that of previous generations. Unlike in decades past, today, 73 percent of families with chil...

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Are Life Insurance Premiums Tax Deductible? ARE LIFE INSURANCE PREMIUMS TAX DEDUCTIBLE?

blog article

Feb 26, 2019

Contrary to popular belief there are very few situations where life insurance premiums are tax deductible. While premiums on long-term investment vehicles like an HSA or IRA  are deductible, life insurance is a different story. It pays off, in the long run, to understand whether you qualify for...

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Your Family Emergency Plan YOUR FAMILY EMERGENCY PLAN

blog article

Feb 26, 2019

You have all the provisions necessary in case of an unseen emergency – but are you and your family truly prepared? Even if you have an emergency kit, you still need to create and implement a family exit plan so that you and your loved ones can safely evacuate in the event of a fire, flood, or ...

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Choosing the best health insurance for parents CHOOSING THE BEST HEALTH INSURANCE FOR PARENTS

blog article

Feb 26, 2019

Choosing the Best Health Insurance for Parents. After a life dedicated to a career or caring for the family, during your golden years, you deserve to be indulged.  Your life should be all about pursuing a more relaxed daily routine with enjoyable hobbies and rejuvenating vacations from time to ...

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This Is How Much Renters Insurance Actually Costs THIS IS HOW MUCH RENTERS INSURANCE ACTUALLY COSTS

blog article

Feb 26, 2019

Before you dive into how much renters insurance costs, are you wondering if you even need it? Yes. Yes, you do. (Your mom was right on that one!) Turns out, renters insurance protects you against a bunch of all too common situations, like your laptop getting swiped from your bag, your apartment catc...

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How is a Health Insurance different from a Mediclaim Policy? HOW IS A HEALTH INSURANCE DIFFERENT FROM A MEDICLAIM POLICY?

blog article

Feb 26, 2019

Difference between Health Insurance and Mediclaim Policy. Even before one can zero-down on a Health Insurance provider that they feel is best for them, it is suggested that an individual first understands the difference between a Health Insurance Policy & a Mediclaim Policy since they are very d...

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What Insurance Do I Need for My Company Car? WHAT INSURANCE DO I NEED FOR MY COMPANY CAR?

blog article

Feb 26, 2019

Auto Insurance policies are not all the same, and for good reason. You may be tempted to insure your company car under your personal Auto Insurance policy. Depending on your use, you may be able to do that, but you shouldn’t ignore Business Auto Insurance. Doing so can put you at a significant...

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When to Skip the Additional Rental Car Insurance WHEN TO SKIP THE ADDITIONAL RENTAL CAR INSURANCE

blog article

Feb 26, 2019

We’ve all been there. You’re standing at the car rental counter, ready to get on your way, and you’re inundated with all the risk and reasons why you should buy rental car insurance. The sweet deal you got for the rental disappears as you’re looking at $50 more per day to ren...

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How do you know if you need to update your life insurance policy? HOW DO YOU KNOW IF YOU NEED TO UPDATE YOUR LIFE INSURANCE POLICY?

blog article

Feb 25, 2019

No matter how you feel about tax season, it’s a great time to check off some money to-do’s while you are focused on your finances. There’s the usual stuff you might think about like beefing up your emergency fund and paying off any nagging debt. This is also a great time to check i...

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What is an HO-5 home insurance policy? WHAT IS AN HO-5 HOME INSURANCE POLICY?

blog article

Feb 25, 2019

If you’re looking for home insurance, you might have discovered that there are quite a few different types of policy out there. The HO-3 home insurance policy is your standard, typical policy – it’s the most common one in the United States. However, there’s another type of po...

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3 Reasons This Insurance Coverage May be a Big Ripoff 3 REASONS THIS INSURANCE COVERAGE MAY BE A BIG RIPOFF

blog article

Feb 24, 2019

Having the proper insurance coverage is important to protect against financial loss. There are several types of policies you should absolutely buy, including auto insurance, health insurance, and homeowners or renters insurance. But if you're someone with a four-legged loved one, what about pet ...

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Rental Car Insurance Pitfalls RENTAL CAR INSURANCE PITFALLS

blog article

Feb 23, 2019

Renting a car comes with a slew of paperwork and regulation. It can be intimidating to see pages of legal terms and agreements. The more you familiarize yourself with the ins and outs of renting a car, the easier it is to comprehend. These are some of the common pitfalls to watch out for when rentin...

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7 Real-Life Strategies for Spring Cleaning Your Finances 7 REAL-LIFE STRATEGIES FOR SPRING CLEANING YOUR FINANCES

blog article

Feb 22, 2019

Spring is almost here, and with the warmer weather comes a much-needed invitation to do a little spring cleaning inspired by the famed organizer, Marie Kondo. While we can’t help you organize your closets or decide if your old photographs spark joy, we do have a few helpful tips for cleaning u...

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What are Some Common Misconceptions about Zero Depreciation? WHAT ARE SOME COMMON MISCONCEPTIONS ABOUT ZERO DEPRECIATION?

blog article

Feb 22, 2019

All your mechanical assets suffer wear and tear with time. This damage caused by the continuous use of the assets leads to a decrease in the value of your assets. Same is the case with your car and two-wheeler. As the monetary value of your car/two-wheeler reduces over a period of time, it affects y...

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HOW TO CHOOSE AN AUTO INSURANCE AGENCY HOW TO CHOOSE AN AUTO INSURANCE AGENCY

blog article

Feb 21, 2019

Choosing the right auto insurance can be hard. The product can be confusing, there seem to be unlimited options, and there are so many decisions to make. However, choosing the right insurance agency should not be hard.  Unlike insurance companies, independent insurance agencies can offer custom...

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Will Home Insurance Replace a Home If Destroyed? WILL HOME INSURANCE REPLACE A HOME IF DESTROYED?

blog article

Feb 21, 2019

Will home insurance replace a home if destroyed? This is a common question many people ask. Most people believe that, if they lose their home, having home insurance means the insurer rebuilds the property. That is not always the case. In many situations, this depends on what happens, the type of ins...

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THREE INSURANCE INNOVATIONS TO WATCH RIGHT NOW THREE INSURANCE INNOVATIONS TO WATCH RIGHT NOW

blog article

Feb 21, 2019

Every year, insurers impress judges and their industry peers with their inventive ideas at the Efma-Accenture Innovation in Insurance Awards. Three organizations have already earned monthly innovation awards, demonstrating customer-centric approaches to building technology solutions for the digital ...

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What You Should Know About Life Insurance for People With Depression WHAT YOU SHOULD KNOW ABOUT LIFE INSURANCE FOR PEOPLE WITH DEPRESSION

blog article

Feb 21, 2019

Up until recently, mental health conditions were rarely talked about and grossly misunderstood. While there continue to be some confusion, false assumptions and stigmas related to mental illness, these are fading away. In fact, many celebrities are even talking openly about their personal struggles ...

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5 Ways You Can Transform Your Insurance Business with Data Analytics 5 WAYS YOU CAN TRANSFORM YOUR INSURANCE BUSINESS WITH DATA ANALYTICS

blog article

Feb 21, 2019

Data forms the bedrock of the U.S. insurance industry, which accounts for almost 2.7% of the domestic gross domestic product, according to the Insurance Information Institute. Over the years, companies like yours have collected, stored and analyzed massive data sets to price different types of risks...

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3 health insurance myths that can raise your rates 3 HEALTH INSURANCE MYTHS THAT CAN RAISE YOUR RATES

blog article

Feb 21, 2019

The cost of health insurance is a major concern for the majority of Americans, according to a recent Gallup poll. Health care costs are a complex issue. Many factors contribute to the costs of care and insurance: the price of goods and services, prescription drug pricing, administrative overhead and...

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Why You Should Microchip Your Pets WHY YOU SHOULD MICROCHIP YOUR PETS

blog article

Feb 21, 2019

Protect your pets with this extra layer of security. As a responsible pet owner, you want to do everything in your power to keep your pets safe.  This is why all pet owners should equip their pets with the proper ID tags.  Additionally, owners are encouraged to have their pets microchipped...

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INSURANCE AT THE INTERSECTIONS OF PROTECTION AND PREVENTION INSURANCE AT THE INTERSECTIONS OF PROTECTION AND PREVENTION

blog article

Feb 21, 2019

Two years ago, this week, UPS tested a hybrid delivery system in Tampa, Florida, where a drone made a delivery from a truck equipped with a helipad. UPS claimed that using drones could save them $50 million each year. UPS is just one of several companies (Dominos, Amazon, Google) that would like to ...

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Can A Home Renovation Affect My Insurance? CAN A HOME RENOVATION AFFECT MY INSURANCE?

blog article

Feb 20, 2019

Your roof needs to be replaced. The kids have been begging for a pool and you've finally succumbed to their incessant requests. You've decided to remodel your outdated bathroom and kitchen. Any change to the structure or use of the property will, more often than not, change your policy. Howe...

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Car hauler insurance: 10 things you should know CAR HAULER INSURANCE: 10 THINGS YOU SHOULD KNOW

blog article

Feb 20, 2019

If you have car carriers, it’s important to get the right car hauler insurance to protect your business. But it might seem like a very complicated can of worms. To help you out with making heads or tails of auto hauler insurance, we’ve put together a list of 10 things that it’s imp...

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How to save income tax in 2019? HOW TO SAVE INCOME TAX IN 2019?

blog article

Feb 20, 2019

The tax saving season is in full swing as the financial year closes on 31st March 2019 and you want to explore all possible avenues to save as much tax as possible. While the new Interim Budget 2019 has made some very good changes, these changes would be applicable from the next financial year (1st ...

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Are Life Insurance Premiums Deductible As A Business Expense? ARE LIFE INSURANCE PREMIUMS DEDUCTIBLE AS A BUSINESS EXPENSE?

blog article

Feb 20, 2019

It is a common misconception that running a business entitles owners to deductible life insurance premiums. But that’s not always true. Unlike the strict rules for individuals, it’s true that businesses have a bit more leniency with tax-deductible life insurance premiums. But only in ver...

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Mutual Fund Performances and the New Tax MUTUAL FUND PERFORMANCES AND THE NEW TAX

blog article

Feb 20, 2019

To invest in the right mutual fund schemes, investors need to first be aware of the best-performing funds in the market. Knowledge of past and current performance is essential as it gives one an understanding of each fund’s quality and strategy. It has often been observed that when individuals...

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Why Do People Living in Metro Areas Pay More for Auto Insurance? WHY DO PEOPLE LIVING IN METRO AREAS PAY MORE FOR AUTO INSURANCE?

blog article

Feb 19, 2019

Where you live matters when it comes to auto insurance costs. This is not the only thing that matters when it comes to securing coverage. However, those living in metro areas tend to pay more because risks are higher. If you move, you need to let your car insurance agent know. Moving out to a rural ...

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DEVELOP A SYSTEM FOR SELLING INSURANCE DEVELOP A SYSTEM FOR SELLING INSURANCE

blog article

Feb 19, 2019

In order to be a successful insurance agent, every agent should have a system for selling insurance. Here at Secure Agent Leads, Cody has his system simplified and titled: Triple S: Set, Sit and Sell. This means every insurance agent should set 15 appointments from their leads, sit with 10 people, a...

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Do I need to pay taxes on a life insurance payout? DO I NEED TO PAY TAXES ON A LIFE INSURANCE PAYOUT?

blog article

Feb 19, 2019

Life insurance policies name a designated beneficiary or beneficiaries to receive a payout, or death benefit, in the case of the policyholder’s death. The beneficiary will then file a claim with the life insurance company to receive their payout when the insured dies (here's how that works...

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ORGANIZATIONAL DNA HOLDS NEW, UNTAPPED OPPORTUNITIES FOR INSURERS ORGANIZATIONAL DNA HOLDS NEW, UNTAPPED OPPORTUNITIES FOR INSURERS

blog article

Feb 19, 2019

As one of the oldest, most established and data-rich industries, the insurance industry has a wealth of internal data at its fingertips. It is accepted practice to use external data to help understand customers and make strategic decisions. However, if not prioritized at a strategic level, internal ...

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Understanding Your Charlotte Homeowners Insurance Policy UNDERSTANDING YOUR CHARLOTTE HOMEOWNERS INSURANCE POLICY

blog article

Feb 19, 2019

Every home in North Carolina needs a homeowners insurance policy. When you’re buying a home with a lender, it might seem like just another box to check to get to the closing table. But if you don’t know what’s in your policy or what it covers, you can get a nasty surprise the first...

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Customer Buying Behavior For Insurance Agencies CUSTOMER BUYING BEHAVIOR FOR INSURANCE AGENCIES

blog article

Feb 18, 2019

In a time in which customers demand a personalized digital experience, understanding customer behavior is key to capture leads more effectively. But gathering information about your prospects and establishing their whereabouts is easier said than done. The marketing funnel and the customer journey a...

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6 things insurance agents want you to know about home insurance 6 THINGS INSURANCE AGENTS WANT YOU TO KNOW ABOUT HOME INSURANCE

blog article

Feb 18, 2019

Home insurance is a bit of a beast. Getting a homeowners insurance policy might seem really daunting. To help you with either getting home insurance or just making heads or tails of a few of the finer points, we’ve put together this list of six things insurance agents want people to know about...

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Do I Need Cyber Insurance for My Business? DO I NEED CYBER INSURANCE FOR MY BUSINESS?

blog article

Feb 18, 2019

Believe it or not, many organizations still believe that a cyber breach won’t happen to them. Regardless of all the media coverage and statistics, they believe they’re not at risk. But the majority of cyber experts believe that no matter the size or type of business you have, you’l...

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What You’re Missing Out On If You’ve Never Re-Shopped For Insurance WHAT YOU’RE MISSING OUT ON IF YOU’VE NEVER RE-SHOPPED FOR INSURANCE

blog article

Feb 17, 2019

If you’ve never done it before, you might not even be aware of what insurance re-shopping is. Bargaining for breaks in fees and prices is a thing of the past for many consumers. They’re used to paying the exact dollar amount on the tag, no more and no less. While this can save time and e...

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10 facts you should know about flood insurance 10 FACTS YOU SHOULD KNOW ABOUT FLOOD INSURANCE

blog article

Feb 15, 2019

If you’re considering getting flood insurance for your home, you might have a few questions. (And even if you do already have flood insurance…you still might have some questions!) We’ve got ten things that you should know about flood insurance, which can protect your home from wha...

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What’s the Next Big Thing in the Insurance Sector in 2019? WHAT’S THE NEXT BIG THING IN THE INSURANCE SECTOR IN 2019?

blog article

Feb 15, 2019

The global insurance market is undergoing a transformation to “digital-first” business models, which are unlocking potential opportunities for the insurers to survive in the competitive market. Insurers are saying goodbye to the traditional operating practices and welcoming the innovativ...

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Life Insurance: The Missing Piece in Your Financial Plan LIFE INSURANCE: THE MISSING PIECE IN YOUR FINANCIAL PLAN

blog article

Feb 15, 2019

You’re doing all of the things that signal you have your financial life together: you’re paying down debt, you have a monthly budget, and you’re putting money away for your golden years. But even though you’re doing all of the right things today, do you know if you’re c...

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Is underinsured motorist coverage worth it? IS UNDERINSURED MOTORIST COVERAGE WORTH IT?

blog article

Feb 15, 2019

ince car insurance can be expensive, many drivers only buy the minimum coverage required by state laws. Just enough coverage to drive legally.

This means that drivers are underinsured. If they cause an accident, their minimum coverage will not be enough to pay the medical expenses and...

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5 Signs it 5 SIGNS IT'S TIME TO REDESIGN YOUR INSURANCE AGENCY WEBSITE

blog article

Feb 15, 2019

As a successful independent insurance agent, you're constantly asking yourself what you can do to attract new customers to your agency. The answer to this question obviously contains many different components, but when it comes to reaching out to your core market online, the most important tool ...

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MOST DESIRABLE FEATURES FOR SILVER-ECONOMY INSURANCE MOST DESIRABLE FEATURES FOR SILVER-ECONOMY INSURANCE

blog article

Feb 15, 2019

Better medicines and healthier lifestyles means longer lives. The growing segment of the elderly is putting huge pressure on social, health and government systems. Responses are coming from all directions, with clear guidelines emerging in terms of what the elderly want and need. How are insurers re...

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Long Term Care Rider vs Chronic Illness Rider [Which is Best for Me?] LONG TERM CARE RIDER VS CHRONIC ILLNESS RIDER [WHICH IS BEST FOR ME?]

blog article

Feb 15, 2019

In the following article we will break down the differences between a Long-Term Care Rider vs Chronic Illness Rider. The differences are subtle, yet important to understand so you can formulate the right plan for you from among the best long-term care insurance companies. We will also address the co...

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Top 9 Pet Insurance Misconceptions TOP 9 PET INSURANCE MISCONCEPTIONS

blog article

Feb 15, 2019

Pet insurance is increasing in popularity in the United States as pet owners begin to see a trend of rising costs along with improved veterinary care. Many pet owners are being introduced to the pet insurance industry through brochures in their veterinarian’s office or by word of mouth. Despit...

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Prevent Damage From Icicles PREVENT DAMAGE FROM ICICLES

blog article

Feb 15, 2019

Icicles, though a pretty sight, can be dangerous in the winter. They can indicate an ice dam, or cause problems for your gutters. If you begin to see icicles forming on your home, then you can take action. Ice Dams. Icicles can indicate formation of an ice dam on your roof. An ice dam is when the he...

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Why 6 Month Car Insurance Policies Work in Your Favor WHY 6 MONTH CAR INSURANCE POLICIES WORK IN YOUR FAVOR

blog article

Feb 15, 2019

One way to ensure you get the best car insurance rate is to have a 6 month car insurance policy. Why you ask? Well, here are 5 solid reasons we think you may want to consider it: Tickets and violations go away . If you’ve had a moving violation like a speeding ticket or at fault accident, thos...

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Should You Insure Your Home Over Market Value? SHOULD YOU INSURE YOUR HOME OVER MARKET VALUE?

blog article

Feb 14, 2019

Do you know how much home insurance coverage you have? Did you simply sign a contract with an insurer without knowing the details? This could cost you later. Many people select insurance based on the price they paid when buying the home. This is a mistake. Nearly all homes require insurance above ma...

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Understanding Your Personal Liability Insurance UNDERSTANDING YOUR PERSONAL LIABILITY INSURANCE

blog article

Feb 14, 2019

Here’s what you need to know about the personal liability coverage included in your homeowners insurance. Your homeowners insurance can be broken down into four major coverages: property, personal property, loss of use, and personal liability.  Because personal liability claims are among ...

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What is High Value health Insurance & How Much Coverage Do I Need? WHAT IS HIGH VALUE HEALTH INSURANCE & HOW MUCH COVERAGE DO I NEED?

blog article

Feb 14, 2019

In a World full of uncertainties one has to plan for the unplanned events like the medical emergencies, hospitalizations. People have become more aware of the health insurance and mediclaim insurance policies which is an encouraging sign. Recent Trend in the health insurance policy reveal that healt...

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AVOID THESE COSTLY AUTO INSURANCE MISTAKES AVOID THESE COSTLY AUTO INSURANCE MISTAKES

blog article

Feb 14, 2019

No one wants to pay more for their auto insurance than they have to.  Unfortunately, when it comes to your auto insurance, certain missteps will end up costing you significantly.  If you don’t want your car insurance to break the bank, then here are some of the costly mistakes that y...

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Does Renters Insurance Cover Theft? DOES RENTERS INSURANCE COVER THEFT?

blog article

Feb 14, 2019

Have you ever had something snatched from you? Say, your phone, laptop, or even a piece of jewelry? Unfortunately, at some point, nearly everyone will go through that very unfortunate situation. n 2017 alone, there were 7,694,086 property theft cases (according to Statista)  – that’...

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How Much Renters Insurance Do I Need? HOW MUCH RENTERS INSURANCE DO I NEED?

blog article

Feb 13, 2019

According to a study by Pew research, approximately 36.6% of people rent their homes. With rental rates on the rise, getting renters insurance might be a good idea. While having renters’ insurance is not required if you rent your home, it can make a difference if an accident or natural disaste...

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How to Pick the Best Small Business Health Insurance HOW TO PICK THE BEST SMALL BUSINESS HEALTH INSURANCE

blog article

Feb 12, 2019

How to Pick Small Business Health Insurance. Determine your budget and the premium percentage you’d like to cover. Gather information about your business and employees. If you’re self-employed, consider an individual plan or (in some states) a group plan of one. Get plan options using a ...

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Life insurance protects, offers peace of mind LIFE INSURANCE PROTECTS, OFFERS PEACE OF MIND

blog article

Feb 12, 2019

Did you know most Americans (78 percent) agree that preparing financially for life’s unknowns is a way to show that you care? In fact, a little closer look at the data finds almost 2 in 3 (65 percent) think that having life insurance is key to taking care of their family financially. These are...

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ULTIMATE GUIDE TO SMALL COMMERCIAL INSURANCE ULTIMATE GUIDE TO SMALL COMMERCIAL INSURANCE

blog article

Feb 12, 2019

Small commercial insurance is a highly desirable market, and one that is going through a digital transformation. In order to win big in small commercial, carriers need to create winning digital experiences, significantly improve the efficiency of core operations and create category killers by launch...

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