Sunday, March 16, 2025

What You Need to...

As some of you may have heard, Sublimity Insurance, a well-loved Oregon-based insurance...

How Named Storms Affect...

When a hurricane is on the way, you have to act fast. While you’re...

Important Things To Remember...

Picking the right health coverage makes a difference in your family's physical and...

Updated Guidance on Expiration...

Save as PDF On Friday of last week, we notified you that certain benefit...

How Wildfire Smoke Affects Air Quality and Health

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...

Understanding Disability Insurance NJ

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...

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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Captive Insurance for the Affordable Housing Industry

Uncovering the strategic benefits of a unique approach to risk financing Save as PDF As Affordable Housing organizations face their annual insurance renewals, many have been...

ILS investor entry an important milestone in cyber risk market: Moody’s

The emergence of an insurance-linked securities (ILS) market for cyber risk is seen as a critical component for the future expansion of that line...

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...

Why Are Personal Auto Insurance Rates Increasing?

Save as PDF 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...

How Automatic Water Shut-off Systems Can Help Homeowners Avoid Costly Water Damage

Save as PDF Water damage, one of the leading and most costly causes of property damage in the U.S., is also one of the easiest...

5 Natural Ways To Lower Your Blood Pressure

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...

Do I Have To Provide My Employees With Health Insurance if...

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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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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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...

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How Should I Drive in Heavy Rain?

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...

Allstate reports $1.7bn Q3 catastrophe losses, $630m from hurricane Helene

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...

6 Things You Must Know

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...

Addressing Employee Health Risk in Senior Living Provider Populations

Save as PDF 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...

How to leave a legacy

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...

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...

Get ‘hurricane ready’ before storms threaten home or business

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...

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...

5 Common Money Squabbles for Married Couples, and How to Address Them

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...

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...

New Jersey Doesn’t Require Boat Insurance. Get it Anyway.

“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...

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...

4 must-read retirement planning books

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

Government launches review into short-term tourist accommodation

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...

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...

A 14-Point Checklist to Prepare Your Home for Fall

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...

Renters Insurance: The Important Things College Students Need to Know

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

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...

Empire Life Blog 2024 Semi-annual Market Outlook: U.S. equities

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...

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...

Old National Bank Physician Mortgage

  What is Old National Bank? Old National Bank, formally known as Old National Bancorp, is headquartered in Evansville, Indiana. Established in 1834 and initially...

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...

Top 4 Fall Driving Hazards (And How to Handle Them)

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....

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” as it is commonly called, is a severe problem in the United States. A retailer...

New Financial and Retirement Planning Campaign Launches in Singapore

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...

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...

It’s That Time of Year Again – Do You Know How to Be Compliant in Handling Your MLR Rebate?

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

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...

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