Monday, March 17, 2025

2024 ACA Subsidies and...

The Affordable Care Act has offered a practical way for many Americans to...

Empire Life Blog Semi-Annual...

Paul Holba, Senior Vice-President and CIO of Empire Life Investments Inc. discusses some...

California’s Mission To Prove...

With the Affordable Care Act's fate hanging in the balance, California makes a...

Understanding How Herd Immunity...

People around the world are still contracting the coronavirus, with much more concerned...

Navigating 2024: Resolutions for a Secure Future in...

As we step into 2024, it's paramount to set resolutions that prioritize financial well-being and risk management. Whether you're safeguarding your home and family or securing your business assets, here are key insurance resolutions for both personal and commercial fronts.   1. Review and Update Policies Regularly: Stay proactive by reviewing your insurance policies annually. Ensure coverage aligns with your current needs, considering changes in property value, family dynamics, or business expansion.   2. Embrace Technology for Risk Mitigation: Leverage emerging technologies such as IoT devices and smart sensors to enhance risk prevention. For personal insurance, this could mean installing smart home devices, while businesses can utilize technology for predictive maintenance and...

Comprehensive Guide to Insuring Your Bicycle and E-Bike

Bicycles are more than just a mode of transportation; they represent a significant investment for many, especially with the rise of high-end models designed for racing, long-distance rides, or daily commuting. The cost of these bicycles can range from a few hundred to several thousand dollars, making insurance coverage an important consideration. The Growing Popularity of E-Bikes The popularity of electric bikes (e-bikes) has surged, offering an eco-friendly and efficient way to travel. E-bikes, which combine traditional biking with an electric motor, provide additional speed and range, making them a favorite among commuters and recreational riders alike. However, they also come with unique insurance considerations due to their higher cost...

A Guide to Medicare Advantage and Prescription Drug Plans

The Medicare Annual Election Period takes place between October 15th and December 7th, this period is your annual window to shop, purchase, or renew...

Navigating Group Health Insurance Policies

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 financial regulator continues to promote Hong Kong for catastrophe bonds

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...

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How a Loss Control Specialist Protects Your Business

Running a small business is no small feat. With limited resources and tight margins, even a minor incident can significantly impact your bottom line....

CCRIF makes $26.7m parametric rainfall insurance payout to Panama

The CCRIF SPC (formerly known as the Caribbean Catastrophe Risk Insurance Facility) has paid the Government of Panama US $26.7 million after the countries...

How to Increase Insurance Agent Productivity by Selling Online?

Are you an insurance agent completely relying on cold-calling and physical networking only to generate more insurance leads and insurance sales? Do you...

White Mountains capitalised Bermuda collateralized reinsurer to support MGA Bamboo

Earlier this year, White Mountains committed up to $30 million in capital for a Bermuda-based collateralized reinsurance structure that provides sidecar-like support to its...

Final reminder: Capital markets structures for originators webinar, on Nov 21st

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...

The Tax Tango-Can Life Insurance be Taxed?: A Policyholder’s Guide

Ah, life insurance. A pillar of financial security, a safety net for loved ones, and… a potential tax tango? While the primary purpose of life insurance isn’t to enrich Uncle Sam, there are indeed scenarios where this financial instrument...

Are You Eligible for Medicare Once You Retire??

For many people, turning 65 means becoming eligible for Medicare. However, not everyone will qualify at 65, and there are some factors that can influence your eligibility. In addition to being the appropriate age, you must have worked and...

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FloodSmart Re cat bond modeller KatRisk gets acquired

KatRisk, the catastrophe risk modelling software provider and the third-party risk modelling agency for the NFIP’s FloodSmart Re catastrophe bonds, has been acquired by...

Tips for Staying Safe Healthy Indoors This Winter

Current events may keep you inside more than usual this winter, which means you may go a bit stir-crazy. Sackett & Associates Insurance Services...

A Retailer’s Guide to Loss Prevention

More than $112 billion was lost to retail shrinkage in a recent year, according to the National Retail Federation (NRF). Retail loss, or “shrinkage”...

Protect Your Mortgage With NJ Term Life Insurance

  Life Insurance for NJ individuals and families can be available in various forms. A good option for homeowners with a mortgage is Term Life...

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Captive Insurance for ESOP Companies

Save as PDF Chad Duke, Vice President/Risk Advisor, and Pim Jager, Vice President/Benefits Consultant, were recently featured on the ESOP Podcast discussing captive insurance and...

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How To File An Auto Insurance Claim Against Someone in Michigan

It is essential that you know how to file an auto insurance claim against someone in Michigan if you have been in a car accident. The three potential claims that you may have are for No-Fault benefits to cover...

2020 Presidential Election: Impacts on Employer-Sponsored Health Plans

Save as PDF With the major media organizations having now called the presidential election declaring former Vice President Joe Biden as the 46th President of the United States, we wanted to provide some forward-looking insights regarding the potential impacts to...

70 maintenance tips that will extend the life of your car

1-Be patient during the break-in :  You have bought your dream car and now you want to make it as long as possible in top condition. Here are a few things to keep in mind when you are removing it...

Applied Epic Management System Reviews 2024

Applied Epic® is the world’s most widely used management platform. It allows you to manage and maintain a clear picture of your entire agency across all roles, locations and lines of business, including both P&C and benefits.Our Applied...

How to Save Money on Holiday Travel

Whether you’re planning an international vacation or taking the kids to see their grandparents, here’s how to book the best possible tripby Nicole Dieker October 30, 2023  |   Money The holidays are nearly upon us, which means it might...

Enjoy the bicycle boom: 5 tips for safe riding

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...

Allstate Files Patent Application For “Insurance VR Simulator”

Virtual reality, or VR for short, may have some limited applications outside of video games and entertainment, but major US insurer Allstate Insurance Company believes there is potential in the technology for use in the insurance industry. Last week...

Tips to help control insurance costs

You can control some aspects of your insurance costs. Your independent agent can help.   Much like the price of groceries and gasoline, insurance premiums are increasing. Especially if you haven’t had a claim, you...

Government shuts the door on second home tax loophole

Last Updated on January 17, 2022 by adminGenuine small holiday letting businesses in England to be protected by closure of second home tax loopholeOwners of second homes in England who abuse a tax loophole by claiming their often-empty properties...

Helping to keep you informed – Supreme Court Judgement and FCA Test Case

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...

Help your insurance agent help you

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...

Learn about insurance so you can choose like a pro

Just as you would before any important purchase, do some research before buying insurance.   Many people research expensive purchases like homes, cars, or gadgets to make sure they get the best value for their...

Covid-19 Holiday Let Cleaning Guidance

Last Updated on April 6, 2022 by adminIn response to the Covid-19 pandemic, the hospitality and tourism industry have pulled together to produce protocols across all sectors, including specific Covid-19 Holiday Let Cleaning Guidance for self-catering properties. The Covid-19...

4 must-read retirement planning books

The post 4 must-read retirement planning books appeared first on Blog | Haven Life.

Navigating Group Health Insurance Policies

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 financial regulator continues to promote Hong Kong for catastrophe bonds

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...

Chill in the Air? Here’s How to Safely Heat Your Home and Patio

  When the weather turns chilly outside, many homeowners turn to a fireplace, space heater, wood-burning stove or patio heater to make their space a little cozier. Yet these appliances require proper installation, use and maintenance to keep you, your...

Consumer Protection Assistance is Essential in a Group Legal Plan — Legal Insurance Blog — December 14, 2023

As an employer, you are responsible for providing your employees with a comprehensive benefits package that includes healthcare, retirement plans, and even legal assistance. However, most employers need to pay more attention to the importance of consumer protection assistance...

How to Prioritize Employees’ Healthcare Needs with Self-Funding

Highlights  Small to midsize companies are focusing on new employer healthcare priorities, including affordability, behavioral health access, and inclusive benefits for their employees. Employers are taking steps to offer low or no copays for health insurance plans and increase mental health...

Survivorship Life Insurance: Joint Coverage for Couples Seeking Wealth Transfer Efficiency

“This post may contain affiliate links, if you click a link we may earn a commission if you purchase from that merchant.” Survivorship life insurance, also known as second-to-die life insurance, is a type of policy that covers two individuals,...

How to Insure Your Side Business

A side business is a great way to make extra money or pursue your passion before building it into a full-time career. If you are considering starting a side business or are already successful in an endeavor, it is...

Accident & Health Insurance – Do You Need One Or Both?

Home » Accident & Health Insurance – Do You Need One Or Both? It’s hard to know what you’re going to need in this life to mitigate the risk (like accident and health insurance) and know that no matter what...

Navigating Group Health Insurance Policies

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 financial regulator continues to promote Hong Kong for catastrophe bonds

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...

ACA Marketplace Rising and Other Plans Losing Members

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....

How Does Cyber Insurance Work?

Cyber attack threat exposure is growing in strength. According to The World Economic Forum, there is growing inequality between those organisations that have robust cyber defences and those that don’t, particularly small and medium enterprises.  This study also found that...

MS Amlin and HSZ Group target growth in 5th link up on 2025 Phoenix sidecar

International insurer and reinsurer MS Amlin has now launched the capital raise for the 2025 edition of its Phoenix reinsurance sidecar, and with the vehicle’s performance consistently beating expectations, investor interest is high, according to William Ho, CEO of...

IRS Issues Guidance on American Rescue Plan’s COBRA Subsidy

Save as PDF On May 18, 2021, the IRS issued Notice 2021-31, a guidance document on the American Rescue Plan Act (ARPA) subsidy for continuation health coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). The Notice discusses...

Contractors All Risk Insurance Cost: Top Insights 2024

Contractors all risk insurance cost is a crucial factor for any construction business in Florida. This coverage protects against unexpected events on a construction site, reducing the financial burden of unfortunate incidents. Key aspects of contractors all risk insurance...

Commercial Property Insurance: Your Ultimate 2024 Guide

If you’re a small business owner looking for commercial property insurance, here’s what you need to know at a glance:Protection: Safeguards your business’s physical assets, like buildings and equipment, against risks such as fire, theft, and natural disasters.Importance: Without...

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