Health insurance helps provide individuals and families access to care and can make a difference between illness and health. In the U.S., there are about
327 million people, most of whom have private health insurance. If you need to join the ranks of the insured or if your health insurance coverage no longer suits your or your family's needs, it may be time to approach a health insurance broker to change your coverage.In the U.S., there is a specific window of time when you can enroll or change your healthcare coverage. This period is called the Open Enrollment Period. OEP tends to last from November to...
What is backdating health insurance? How does it work? Backdating means coverage of your benefits is made retroactively effective by your insurance provider. Wouldn't it be great if we could all purchase retroactive coverage? As a general practice, it is illegal. A health insurance carrier will only backdate insurance coverage in some scenarios. When Does Backdating Happen in Health Insurance?
Some clients wonder if there is any grey area on policy start dates. Buying coverage now for a prior illness is a wonderful prospect. But when exactly can you backdate a policy? Over the years, an independent health insurance broker sees all sorts of coverage in...
Navigating the complexities of healthcare insurance is challenging enough when everything stays the same. But when your spouse retires and you are self-employed, it...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
Here are the ten most popular news articles, week ending November 17th 2024, covering catastrophe bonds, ILS, reinsurance capital and related risk transfer topics....
The UK’s Prudential Regulation Authority (PRA) has now officially launched its consultation on reforms for the insurance special purpose vehicle (ISPV) regulatory regime, which...
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Employers have a vested interest in the overall well-being of their employees. A happy and healthy workforce increases productivity, reduces absenteeism, improves...
Here’s a final reminder to register for our Artemis Live webinar, being held this week on November 21st 2024, in which industry expert speakers will...
Medicare is a government service that helps millions of aging people access the healthcare coverage they need at a low cost. There are two types of
Medicare: Part A and Part B. Understanding Medicare regulations are complex, but it...
Healthcare is one of those necessary budget items that many people don't like to think about but have to. According to the Centers for Medicare and Medicaid Services, national health spending is expected to grow at an average rate...
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Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong...
Ceres, a non-profit that leads a national coalition of investors, environmental organisations and other public interest groups working to address global sustainability challenges, has...
With the insurance-linked securities market continuing its expansion, the secondary market is becoming more liquid, enabling ILS managers to adopt more dynamic allocation strategies while offering improved access to capital at the portfolio level, as per François Divet, Head...
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Returning to school is an exciting time, promising new lessons, growth, and fresh experiences. By ensuring your insurance coverage is up-to-date, you can better protect your child, family, property, and...
Bogle Agency Insurance offers Chubb Masterpiece Recreational Marine Insurance to NJ clients who own boats. We provide this outstanding insurance because we feel it is the best coverage for NJ boat owners. Owning a boat can provide endless pleasure...
The federal government’s ACA Marketplace is seeing more signups than ever since its creation after the Affordable Healthcare Act was passed in 2010. In this year’s open enrollment, the Marketplace could see its highest number of new signups ever....
Your agent is best positioned to advise you when they have all the facts.
Your local independent insurance agent is prepared to create a personalized coverage plan tailored to meet your and your family’s...
“The boat is safer anchored at the port, but that is not the aim of boats.”― Paulo Coelho, The Pilgrimage
Did you know that you are not required to have boat insurance to operate a vessel on the water in...
Hurricanes can be among nature’s most destructive events.
Atlantic hurricane season runs from June 1 to November 30, though storms can take place outside of those dates. Take steps to minimize damage and speed...
Make yourself visible no matter the time of day.
The pandemic, rising fuel prices and climate change concerns – along with improved battery technology and e-bike options – have combined to create a...
Last Updated on January 25, 2021 by admin
There has been much media coverage of the Supreme Court Judgement made on the 15th January 2021 regarding the FCA Test Case involving some insurers business interruption wordings. Understandably this has caused...
Last Updated on July 4, 2024 by adminBoshers Insurance is headed by Jason Jackson, who has worked in the insurance industry for 36 years. Jason is an avid history fan and enjoys travelling both abroad and within the UK....
Life insurance can be a valuable part of your business plans.
We recognize and expect changes in the economy, but the uncertainty of those changes calls us to be vigilant in our business continuation...
Last Updated on July 31, 2024 by adminDid you know that Boshers Insurance do more than provide high-quality insurance for Holiday Home owners? We also support The 2 Minute Foundation, a charity whose vision is to clean up the...
If you are able, take photos to document circumstances of the accident.
Your first instinct after a car accident may be to call for help. Do you have a plan for what comes next?...
Sharing a meal from the grill is a great way to kick off the summer this holiday weekend.
Memorial Day traditionally marks the beginning of summer: time to grill on the patio, take the...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
Richmond, VA — December 26, 2022 — The Hilb Group announced today that it has partnered with Rhode Island-based OceanPoint Insurance, building upon the company’s growing presence as a market leader in the New England region. The transaction became...
Bogle Agency Insurance offers Chubb Masterpiece Recreational Marine Insurance to NJ clients who own boats. We provide this outstanding insurance because we feel it is the best coverage for NJ boat owners. Owning a boat can provide endless pleasure...
Self-funding is an ideal way for small to midsize businesses to save on health insurance costs. Part of the self-funding puzzle is finding a TPA that will meet your needs and help you enjoy the benefits that self-funded insurance...
Highlights
PEPY refers to your per-employee-per-year cost, an important employee health benefits plan metric.
Your PEPY presents the cost per employee of your health benefits plan.
Reducing your PEPY with cost-containment strategies lowers overall health insurance costs and saves you money.
With...
What is Old National Bank?
Old National Bank, formally known as Old National Bancorp, is headquartered in Evansville, Indiana. Established in 1834 and initially...
Spring/2023
Final expense insurance, also known as burial insurance, is a type of insurance policy designed to cover the costs associated with a person’s funeral and burial expenses.
This type of insurance is typically purchased by older adults who want to...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
Cardiovascular health and wellness is one of the main focuses in modern healthcare, and for good reason. Heart disease is still the leading cause of death both in the United States and globally. Unfortunately, many cardiovascular issues go undiagnosed...
Starting out on your car driving journey can be a challenge if you’re not fully prepared. Typically, people view those aged 25 and under as young drivers. Maltese law also states that you have to be at least 21 ...
How to Address Today's Cyber Threat
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High-profile cyber attacks like the Microsoft Exchange server hack, the SolarWinds Orion software compromise and the Colonial Pipeline ransomware attack have highlighted increasing cyber risk for nearly every type of business. Furthermore,...
3 Questions You Should be Asking
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The COVID-19 pandemic has created a crisis globally and manufacturing and distribution (M&D) companies are responding to the challenge in extraordinary ways. As business models and operations shift and evolve, M&D companies...
Ian Fung, Portfolio Manager, Fixed income, discusses recent BoC and Fed interest rate moves, inflation, employment and their potential effect on upcoming rate decisions.
https://www.youtube.com/watch?v=7K3hOUncjh0
Summary:
Hi, I'm Ian Fung, and I'm a Senior Portfolio Manager at Empire Life Investments Inc.
We saw...
If there was ever a time to let necessity drive the business, it’s now. The future won’t be captivated by yesterday’s achievements, and tomorrow’s plans won’t come to fruition without an insurance business model that understands there are different...
