Wildfire smoke presents significant health hazards due to the deterioration of air quality. People do not have to be in a high-risk health category to be affected by unhealthy levels of particulate matter and other compounds generated by fires. A health insurance broker Santa Rosa understands the impacts that fires in Northern California have on an individual’s well-being. Here are some important questions to consider about wildfires and some important steps to help you stay safe.How Does Wildfire Smoke Impact Air Quality?Wildfire smoke is usually a mixture of many different and dangerous substances, which make it toxic to breathe. The spread of fires means they burn through a...
Disability insurance may not be a topic that comes to mind often, but it plays a vital role in safeguarding your financial security. Unexpected health challenges or accidents can happen to anyone, causing a significant impact on your ability to work and earn an income. Bogle Agency Insurance based in Bergen County, NJ has the expertise necessary to help you find the correct Disability Insurance! Understanding Disability Insurance And How It Can Offer Financial ProtectionDisability insurance is a type of insurance designed to provide financial protection if you are unable to work due to a disability. This disability could be the result of an illness, injury, or...
The Medicare Annual Election Period takes place between October 15th and December 7th, this period is your annual window to shop, purchase, or renew...
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...
Uncovering the strategic benefits of a unique approach to risk financing
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As Affordable Housing organizations face their annual insurance renewals, many have been...
Are you an insurance agent completely relying on cold-calling and physical networking only to generate more insurance leads and insurance sales? Do you...
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With very few exceptions, nearly every individual and family in the U.S. is facing higher-than-normal increases to their auto insurance premiums. According...
High blood pressure can put you at risk for a range of health problems, the most serious of which include heart attack or stroke. There are medications that can lower blood pressure, but these can also cause unwanted side...
Health insurance can be a confusing topic, especially when you are self-employed. If you are self-employed and considering hiring employees, it can become even more confusing. As a business owner, you have to follow the guidelines of the Affordable...
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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...
More than $112 billion was lost to retail shrinkage in a recent year, according to the National Retail Federation (NRF). Retail loss, or “shrinkage”...
It starts with a few innocent raindrops on the glass.At first, you might not even bother to turn on the windshield wipers. But judging from the dark skies and rolling thunder, you know it’s just the beginning.
Before long, your...
US primary insurer Allstate has reported that its pre-tax catastrophe losses for the third-quarter of 2024 reached $1.7 billion, with $630 million of that total due to hurricane Helene.It follows $2.1 billion of reported pre-tax catastrophe losses for the...
Most Americans become eligible for Medicare at age 65. Before enrolling, you should begin planning for Medicare expenses. To do this, you must
understand how Medicare works and what your costs will be. 1. Medicare Has Four Parts
Medicare...
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In 2012, Scott Benefit Services formed a group health captive, the Heritage Group Health Plan, with several independently-owned Senior Living community employers representing approximately 2,500 total employees.
Senior Living industry employees have some of the highest rates of...
You don’t need to be a millionaire to leave a meaningful legacy to your loved ones. Here, how to begin thinking of your legacy, and how to begin building it now, in both monetary and value-based waysby Anna Davies...
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...
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...
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...
How to handle common money fights before they ruin your relationshipby Nicole Dieker October 28, 2023 | Money
If you and your partner fight about money, you’re not alone. And if most of your money squabbles are about financial...
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...
“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...
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...
Last Updated on July 2, 2024 by adminA review into the effect of short-term holiday lets aims at improving the holiday letting market for those living in popular tourism destinations.Call for evidence aims to understand impact of increase in...
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...
Your Yard’s Health. The more the leaves pile up and begin to break down, the more difficult they’ll be to clear away. If it snows before you’ve had a chance to rid your yard of them, they’re likely to...
As a college student, we know there’s a lot on your mind as the school year approaches. From meeting new friends and gaining independence to writing research papers and eating (sometimes questionable) food in the dining hall, the last...
September is National Yoga Awareness Month. Starting yoga can feel intimidating, but remember it's a journey, not a destination. Find a comfortable space at home or a welcoming local studio to practice regularly. Many online resources and beginner classes...
Market sentiment now indicates that rate cuts will not occur until the third quarter of 2024. Despite signs of strength, the direction of the economy and the likelihood of a recession remain uncertain. Relations between the U.S. and China...
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...
What is Old National Bank?
Old National Bank, formally known as Old National Bancorp, is headquartered in Evansville, Indiana. Established in 1834 and initially...
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...
The start of fall brings a lot of welcome things: a new school year, cooler temps and changing leaves.
You may not notice it right away, but your daily commute is affected by the shorter days and changing weather, too....
More than $112 billion was lost to retail shrinkage in a recent year, according to the National Retail Federation (NRF). Retail loss, or “shrinkage” as it is commonly called, is a severe problem in the United States. A retailer...
Singapore has recently launched the 2024 campaign, aimed at empowering individuals to take charge of their financial futures. The initiative offers accessible and actionable tips on saving, budgeting, healthcare costs, and retirement planning to Singaporeans.
On October 1, 2024, Singapore’s...
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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...
Employers with insured group health plans may soon receive a medical loss ratio (MLR) rebate from their health insurance issuers. Issuers who did not meet the applicable MLR percentage for the last calendar year must provide rebates to plan...
June is Men's Health Month, a time to focus on the well-being of men and promote healthy habits. It's concerning that inactive men are sixty percent more likely to suffer from depression than those who exercise regularly. Men have...
