When we buy a car, we usually get to interact with an insurance agent right at the dealers shop and end up buying it. Thereafter, we carry on with the same company for the ease of continuing with it. We often avoid surveying for good car insurance because it sounds tedious. It is important…

Although filing for Social Security benefits can be done via phone or the internet at www.ssa.gov, you will more than likely have to make at least one trip in to your local Social Security office. Most cities do have one or two Social Security offices, and large cities often have several.…

If you continue to subscribe to this blog in the coming weeks, months and hopefully years, you’re probably going to get tired of me writing about this issue. If you subscribed to the Big “I” Virtual University newsletter for the past 17 years, I KNOW you’re tired of hearing about this…

Last week, I read this LinkedIn post: Peer-to-Peer Insurance: A Passing Fad or an Industry Disruption? If you examined the linked article, you’ll see that it comes from a college student whose industry experience apparently consists of 3 years majoring in actuarial science. These are my... Click…

A high school student accidentally injures a teacher. The teacher sues the student for negligence and the claim is turned in under his parents’ homeowners policy. Does the policy respond? While, as always, we would need to examine the language of THAT policy, it’s safe to say that most HO... Click…

Last week I was asked for my opinion on a certificate of insurance (COI) issue. The agency permits customers to order/issue certificates of insurance through AMS and their Client Portal or, for more complex requests, through EBIX. The customers are allowed to modify the Description of…

When you buy a life insurance policy, you must designate a beneficiary to receive your death benefit. The most common primary beneficiary is typically the spouse of the insured. So the wife is usually the primary beneficiary of the husband’s life insurance policy, and vice versa. But what…

This is a guest blog from Tim Wahl, CIC, commercial marketing manager of the Gallaher Insurance Group in Mexico, Columbia. It is based on his Technical Committee article “When It Comes to Serving Clients…Do You Lead or Follow?” published by the Missouri Association of Insurance Agents in…

ISO has filed a change for its BOP, CGL, and umbrella and excess programs that, according to IRMI, “…marks a significant and historically unprecedented narrowing of coverage that has traditionally been available to general liability insureds with respect to designated premises.” This change…

Beware these common traps made with life insurance that can reduce its value to your family ... or leave you paying a bundle to the IRS. Trap: Owning too much life insurance, too long. During the years you are working and raising a family, you probably need a substantial amount of life…

Arе you in thе mаrkеt for bеttеr аutо inѕurаnсе rates? Or, perhaps уоu аrе ѕimрlу looking fоr a new аutо insurance соmраnу? Gооd to gо аutо inѕurаnсе iѕ thе solution tо уоur аutо inѕurаnсе wоrriеѕ. Nоw is the реrfесt time tо rеԛuеѕt your auto inѕurаnсе quotes from оur auto insurance company…

Most people understand that a bad driving record tends to increase your auto insurance premiums. That's one of the many reasons why it makes sense to avoid getting caught speeding or causing a car accident of any kind. But did you know that there are at least 5 other things that affect…

There are more than sixty six (66) various dimensions, sizes and types of belts that are used in the agriculture equipment industry. These various belts are used in tractors, combines, balers, snow blowers, tillers, mowers, harvesters and lawn and garden tractors. V Belts are used as fan…

Discount car insurance is usually available through most car insurance companies. The key is to make sure you ask about discounts you're eligible for. Take a look at this list of discounts for car insurance that can save you money. The first key to getting low cost car insurance is to shop... Click…

Are you searching for information related to General Auto Insurance or other information somehow related to Auto Owners INS, Pip Auto Insurance, Grinnell Insurance Agents RI, Safe Auto Insurance, An Ok Auto Insurance or Car Insurance for a Girl? If yes, this article will give you helpful... Click…

It’s hard to believe, but open enrollment is here again. What exactly is open enrollment? If you’re one of the millions of Americans participating in Obamacare (also known as the Affordable Care Act), this is when you can enroll in a plan for the first time or make changes to your... Click here to…

On July 21, 2016, the Department of Justice sued to block two mergers between four of America’s biggest health insurance companies. Anthem had proposed a $48 billion acquisition of Cigna. Aetna simultaneously moved on a $37 billion buyout of Humana. Either merger would have been the…

Whether you get your health insurance through the Affordable Care Act (ACA) or from an employer, expect to pay more for your coverage in 2017. Experts predict health insurance rates to increase next year, with insurance companies proposing increased rates of 10 percent or more for…

On a Yahoo Group I belong to, someone posted about a startup called Bought by Many where prospective insureds can be grouped to buy insurance, including some forms not yet available. He thought it was a very intriguing way to identify enough demand to perhaps open up new coverages not…

The Chrysler Pacifica has been named the 2017 North American Utility of the Year. The prestigious award is given each year by an independent group of about 60 automotive journalists from the U.S. and Canada. This is the only the second time a minivan has ever received an award from the…

The Chrysler Pacifica has been named the 2017 North American Utility of the Year. The prestigious award is given each year by an independent group of about 60 automotive journalists from the U.S. and Canada. This is the only the second time a minivan has ever received an award from the…

We’d all like to save a little bit on our auto insurance rates. Some savings, however, come with an interesting trade-off. Certain things like safety devices, driver training, and even some memberships can get you auto insurance discounts. What if you could exchange some vital data about your…

Have you ever been late for an appointment where speeding seemed like a good idea? Or, perhaps you’re one of those drivers who has a lead foot and routinely tries to break the sound barrier on the road. Regardless of which group you fall into, if you’re not driving at a safe speed and receive a…

Last December I heard about personal lines commission reductions from two carriers from agents who were concerned and inquiring about what they could do to combat this. So, I ran this issue by some experts and this and the next post are two of those responses. Note that these guest posts…

Last December I heard about personal lines commission reductions from two carriers from agents who were concerned and inquiring about what they could do to combat this. So, I ran this issue by some experts and this and the previous post are two of those responses. Note that these guest posts are…

I participate in a Yahoo! Group called “RiskList.” This email discussion group consists of insurance and risk management professionals from around the world and is an excellent source of information about technical, real world insurance and risk management issues. Today, a thread morphed into a…

I participate in a Yahoo! Group called “RiskList.” This email discussion group consists of insurance and risk management professionals from around the world and is an excellent source of information about technical, real world insurance and risk management issues. Today, one of the participants…

Gas prices are at an eight-year low, but American drivers have not lost their zeal for more fuel-efficient vehicles. According to a recent Consumer Reports survey, over half of all American drivers expect that their next car will have better fuel economy. But for the average car buyer, deciding…

Leasing has spread beyond luxury brands and their affluent buyers to deals involving family sedans and crossovers, compacts, and even pickups. That reflects a mutual enthusiasm among car shoppers looking to lower monthly payments and carmakers, who often subsidize the cost of leases to prop…

As you’ve been told over and over, once your bundle of joy arrives, there will be some crying in the middle of the night. But try to keep the sobbing to a minimum. You might wake up the baby. That’s right. New parents have reasons to bawl as much as the baby. The U.S. Department... Click here to…

Don’t waste money. If you’re like many parents, you may just grin and bear it while forking over a hundred or more dollars for the latest, greatest toys. However, your money could be put to better use by saving for your kids’ college education, saving for retirement, or paying off debt.…

If your homeowners and auto coverage aren’t through the same company, check to see if you’ll score a lower premium by coupling your coverage to a single insurer. (ISTOCKPHOTO) With a new year comes a fresh start. If you’ve known that your insurance needs aren’t met... Click here to read the…

No one knows what will happen in the new year, but with a new president promising to bring different economic policies it may pay to prepare for the worst as well as the better. Even if the economy flourishes, your employer could make changes or give you a boss who doesn’t like you. So... Click…

It isn’t difficult to feel as if your finances are falling apart this time of year. You may have overspent on holiday gifts, and this is a period of reflection and goal-setting for many of you. Yet you may find that your renewed desire to save and make more money in the new year is... Click here…

Dave Du Val, chief customer advocacy officer at TaxAudit.com in Sacramento, California, jokes that trying to understand tax code is like playing a game of Sudoku. Depending on what laws are passed and how they are changed, the codes can fit into a variety of different places, he... Click here to…

At a town hall meeting last week, Jeff Jeans, a Republican small business owner who had worked on the campaigns of Ronald Reagan and George H.W. Bush, shared his personal story with Speaker Paul Ryan. Jeans had opposed the Affordable Care Act, now commonly called “Obamacare,” until... Click here to…

The House voted Friday to move forward on a measure that would repeal portions of President Barack Obama’s health care law, the Affordable Care Act. The vote is not on a bill but is instead a critical first step that unlocks the path for writing specifics of a reconciliation measure that... Click…

If you are purchasing or selling a home, a mortgage broker may suggest that you get a CLUE. That’s not an insult; rather, it’s a reference to a report from the Comprehensive Loss Underwriting Exchange, otherwise known as CLUE. What is the CLUE Insurance Report? The CLUE report is... Click here to…