Traffic signals and violations have a bigger impact on your car insurance premium than you think. To maintain affordable insurance rates, apart from your credit score, age, location, vehicle usage and vehicle type, you will also need to be careful on the road. Traffic Signal Colors and their Meanings A foundational understanding of the basic traffic signals is essential to ensure that you are following the necessary traffic rules and driving safely.If you are a new driver or just a driver who wants to brush up their traffic signals’ knowledge, here are some of the major signals you need to know about.Traffic LightMeaningRed LightStop immediatelyYellow...
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 elevated levels of inflation in both Canada and the US after the pandemic, and central banks began to address inflation by tightening policy stances in both Canada and the US. To address inflation, Central banks generally tighten real rates. So think of that as the overnight rate less the inflation rate. As inflation went higher, the overnight rate went higher as well to tighten policy. However, as...
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...
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Affordable housing developments are a critical component of building a strong economy, and the need for affordable housing today is urgent. According...
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Even though many academics are sounding the alarm over the housing affordability crisis in the United States, the affordability problem continues to...
The Texas Windstorm Insurance Association (TWIA) is looking at another relatively significant increase in its reinsurance purchase next year, as it projects it may...
Plenum Investments, the specialist manager of catastrophe bond and other reinsurance-linked assets, has successfully grown its Plenum CAT Bond Dynamic fund to more than...
A good health insurance broker will tell you that health insurance is an absolutely essential component for maintaining good health. Sometimes, people only think about getting treatment for something that has become an emergency scenario. However, there are so...
You may have frequently heard the words “open enrollment” as the new insurance period approaches, but you are unsure of what the term means and you are confused about which
health insurance broker could help you get the coverage...
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Benefits are an important tool for business owners, but the administration process can be tedious. Thanks to the advancements in automation, you can now...
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...
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There are many different uses for surety bonds in the Affordable Housing industry. In our surety practice, we work frequently with contractors...
You may still be working, whether by choice or as a matter of necessity when you become eligible for Medicare at age 65. Depending on your situation, you may have different options available from a health insurance broker Santa...
Speaking with Artemis, Brad Adderley, Partner at global law firm Appleby, emphasised that while 2024 may not be a record year for catastrophe bond issuance, it is not a sign of doom and gloom, as the market has already...
California state government and healthcare interests have achieved an agreement on the spending of billions of dollars generated by the Managed Care Organization tax on insurance plans. The deal is intended to underpin a major investment in healthcare in...
Benefits are an important tool for business owners, but the administration process can be tedious. Thanks to the advancements in automation, you can now use benefits management software to streamline the process. Take a look at the features of...
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...
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...
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...
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...
Be proactive about preparing for the danger of wildfires.
Even if you’ve taken precautions to make your home or business resistant to wildfire, take time each year to review your preparations.
Let’s discuss the why,...
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...
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?...
“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...
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...
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...
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...
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 can feel like a whole new ballgame. Suddenly, you’re faced with the question: Where can I...
Vacation is for fun and relaxation. Help save yourself some worry about what could be happening at home by protecting it from theft and damage while you are away. Here is a checklist we have developed to help you have...
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Traveling can be an exciting and enriching experience, but it also comes with its fair share of risks....
Highlights
Cost containment in healthcare is a significant concern for small and midsized companies.
Many SMBs are discovering the advantages of transitioning from a fully funded to a self-funded insurance plan.
Self-insured (or self-funded) insurance provides financial control, data transparency, flexible plan...
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...
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}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...
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...
Health care is notorious for being politicized, and election season turns up the heat on issues that affect the insured and the uninsured alike. While many citizens advocate for a more universal health care system, others feel strongly that...
Attracting and retaining top-tier employees can be challenging if your small business does not offer a desirable benefits package. Fortunately, you do not need to overspend your budget to provide the best options to suit your staff's needs. With...
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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...
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 million to transactions that specifically help in reducing the insurance protection gap.Schroders Capital has quantified...
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When it comes to travel, having the right insurance coverage is essential for peace of mind. While traditional...
General liability insurance construction is a must-have for any construction business. This type of insurance is essential because:It covers bodily injury to people outside your business.It protects against property damage to third parties.It includes coverage for personal and advertising...
