Sunday, March 16, 2025

Medicare True Out-Of-Pocket Coast...

If you have one or more pricey prescriptions and are or will soon...

Supreme Court Rejects Challenge...

Save as PDF On June 17, 2021, the U.S. Supreme Court rejected a lawsuit...

Do You Know These...

If you'll soon secure your own health insurance for the first time, or...

Four Cornerstones of CH...

"Everything we're about here at CH rests on Four Cornerstones," says Joe Convertino...

Health Insurance Broker Guidance About Your 1095-A Form

Finding the right health insurance coverage requires diligent planning and the help of a good health insurance broker. After completing the paperwork during the open enrollment period, tax season soon comes around, and a Form 1095-A may appear in your inbox or mailbox.What is this document for, and how do you use it to complete your tax returns? Health Insurance Broker Reminders About Marketplace Insurance The Affordable Care Act reformed health care by establishing the minimum coverage that health insurance providers had to offer to taxpayers. The legislation created marketplaces for consumers to review plans and benefits.A health insurance broker can guide a person through the...

A Guide to Medicare Advantage and Prescription Drug...

The Medicare Annual Election Period takes place between October 15th and December 7th, this period is your annual window to shop, purchase, or renew your Medicare Advantage and prescription drug plans. Medicare coverage can be complex, so let’s break it down in a way that makes sense. We’ll go over the basics of Medicare, the options available to you, and how making the right choices can protect your health and finances. Medicare 101: The Basics of A and B First, it’s crucial to understand what Original Medicare—Parts A and B—covers. Medicare Part A is your hospital insurance, provided by the federal government, and covers inpatient hospital care, skilled nursing facilities,...

Market Value vs Replacement Cost: Essential Home Insurance Guide

When it comes to insuring your home, understanding the nuances of your policy can save you a significant amount of stress and money 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...

Featured

What You Need to Know

With the arrival of early spring, hail season is upon us, bringing the potential for costly property damage. According to recent reports, hail is...

Examples of Hazards on Construction Sites

Construction sites are a hub for activity and productivity, but they also come with risks that can threaten worker safety. Recognizing examples of hazards...

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....

Schroders Capital invested $817m+ in ILS that help reduce protection gap in 2023

During the full-year 2023, the catastrophe bond and insurance-linked securities (ILS) team at private markets focused investment manager Schroders Capital allocated over US $817...

Singapore’s Upcoming Mental Health Guidelines for Employers

Employers looking to support their staff amidst mental health challenges will be able to use a set of guidelines from the Workplace Safety and...

How Much Does Business Insurance Cost?

Working out the type of business insurance your organisation requires can seem like a minefield at first. There are many factors to consider and you may not be sure of exactly what you need to include in your insurance...

Top 2022 Health Benefits Trends for Small Sized Businesses

There is no doubt about it – the health insurance benefits your company offers will have a major impact on the type of talent you are able to attract. If you want to retain your best employees and attract...

Enjoy exclusive access to our content

Get an online subscription and you can unlock any article you come across, getting instant emails when our site updates, too.

Must know

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...

Read more

Get involved

The Virgen Family’s Real Life Disability Insurance Story

#top .av-special-heading.av-m1gw79xq-a3c653dc50f1f1b54e7d6861cc87413d{ padding-bottom:10px; } body .av-special-heading.av-m1gw79xq-a3c653dc50f1f1b54e7d6861cc87413d .av-special-heading-tag .heading-char{ font-size:25px; } .av-special-heading.av-m1gw79xq-a3c653dc50f1f1b54e7d6861cc87413d .av-subheading{ font-size:15px; } The Virgen Family’s Real Life Disability Insurance Story .av_font_icon.av-l7rpfend-5a44124eb361e4db35452f46a075db10{ color:#7bb0e7; border-color:#7bb0e7; } .av_font_icon.av-l7rpfend-5a44124eb361e4db35452f46a075db10 .av-icon-char{ font-size:40px; line-height:40px; width:40px; } Download the PDF #top .hr.hr-invisible.av-l7rphkwh-c49588703001ad7344d17778a36b459a{ height:40px; } .avia-image-container.av-l7rpb0ad-dfc1e558e52db4b0b7eaa398998eeb3c img.avia_image{ box-shadow:none; } .avia-image-container.av-l7rpb0ad-dfc1e558e52db4b0b7eaa398998eeb3c .av-image-caption-overlay-center{ color:#ffffff; } #top .av-special-heading.av-av_heading-ab2aba26b813680f65c2b71dc0c00fc6{ padding-bottom:10px; } body .av-special-heading.av-av_heading-ab2aba26b813680f65c2b71dc0c00fc6 .av-special-heading-tag .heading-char{ font-size:25px; } .av-special-heading.av-av_heading-ab2aba26b813680f65c2b71dc0c00fc6 .av-subheading{ font-size:15px; } Hello #top...

Become part of the community

2024 ACA Subsidies and How a Health Insurance Broker Helps

The Affordable Care Act has offered a practical way for many Americans to access health care for over a decade. However, new regulations and eligibility updates can make it challenging to understand what you qualify for, which is why...

Health Coverage Demystified

Everyone should have individual health insurance. The benefits of having a policy outweigh the costs. However, it is not always clear how paying monthly premiums is a benefit, which is why you should talk to a licensed health insurance...

Parental Stressors That Can Impact Mental Health and Well-Being

Parenting is a rewarding yet demanding journey, filled with emotional highs and lows. However, certain stressors can significantly impact a parent’s mental health and well-being. From financial pressures to time constraints, understanding these challenges can help develop strategies to...

Top 2022 Health Benefits Trends for Small Sized Businesses

There is no doubt about it – the health insurance benefits your company offers will have a major impact on the type of talent you are able to attract. If you want to retain your best employees and attract...

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 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...

Glenn Insurance & Nationwide Donate $2,000 to Support Avanzar’s Mission in South Jersey

(From left to right: Michael F. Thomas, Executive Vice President, Glenn Insurance; Susan Sykes, Senior Commercial Lines Underwriter, Glenn Insurance; Tim Glenn, President, Glenn Insurance; Claudia Ratzlaff, CEO, Avanzar; Cheryl Tamasitis, Associate Vice President, Nationwide; and Ross Setlow, Territory...

The 2 Minute Foundation and Boshers Holiday Home Insurance

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...

What do the Covid tiers mean for holiday letting in England?

Last Updated on January 11, 2021 by adminNational Lockdown – Stay At HomeOn the 4th January 2021 the Government announced a third lockdown in England to control the rapid increase of coronavirus cases. The devolved administrations in Scotland, Wales...

Pandemic put spotlight on virtual home inspections

Virtual home inspections, necessary during the pandemic, remain popular because of convenience.   When you buy home insurance, the amount of coverage you purchase should be the amount that it would cost to rebuild...

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...

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...

Boshers secures funding towards #2minutebeachclean `go-to’ litter pick app

Last Updated on November 19, 2021 by adminBoshers has donated its £3,750 grant from Ecclesiastical Insurance to The 2 Minute Foundation. The funding will help achieve their aims to see a world without plastic litter and pollution and to...

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...

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...

Disability Insurance Serves a Family – Twice!

Valerie King was not a believer. When she transitioned from her medical residency to practicing as an emergency room physician, she didn’t think she needed disability insurance. “I could never envision a life without working,” she says. Her insurance...

Flood Insurance | Bogle Agency Insurance Bergen County NJ

Floods are natural disasters that can cause extensive damage to homes and properties, leaving homeowners with significant financial burdens. While standard homeowners’ insurance may cover certain perils, it often excludes floods. That’s where flood insurance comes in.Flood Facts:Widespread ImpactFloods...

What Employers Should Know About Seasonal Employment

Many organizations rely on seasonal workers to supplement their regular workforce during peak times. Your immediate thought upon reading this might be that this is about determining benefits eligibility under the Affordable Care Act (ACA). Well, that’s only part...

Using PEPY Cost As A Benchmark For Employees

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...

Specialty Car Of the Week – 1998 Convertible Corvette

img#bf_image-6710ad7753443 { width: 640px; }@media screen and (max-width: 768px) { img#bf_image-6710ad7753443 { width: 100vw; } }This week's featured customer car is a little red Corvette.  This 1998 convertible Corvette is a beautiful example of America's modern muscle car.  McElhinny Insurance Agency insures all types of...

Lake Michigan Credit Union Physician Mortgage (Updated 2024)

For medical professionals, securing a mortgage can be an arduous process due to their unique financial circumstances. Extensive education and substantial student loan...

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...

Your Guide to Understanding How Open Enrollment Years Work

Health insurance is a notoriously complicated subject in the United States. Whether you're purchasing it for the first time or switching plans, keeping track of the Open Enrollment Period is critical. Here are the answers to your top questions...

How Much Does Business Insurance Cost?

Working out the type of business insurance your organisation requires can seem like a minefield at first. There are many factors to consider and you may not be sure of exactly what you need to include in your insurance...

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...

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 explore the use of alternative capital sources by originators of insurance risk, such as managing...

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...

Top 3 Essential Tips 2024

Florida workers compensation exemption renewal is crucial for many business owners seeking to manage costs, especially in a state like Florida with its specific rules and regulations. Here’s a quick breakdown for those hurriedly seeking info:Purpose: The exemption allows...

All You Need