Author Archives: Admin

Insurance Continuing Education – Information on Annuity Benefits

ANNUITY (PERIOD) CERTAIN An Annuity Certain is a designation that specifies the number and amount of benefits paid. This option guarantees that an insurance company will only pay a certain amount on an annuity. An annuity includes a Death Benefit, which allows payment to the beneficiary to be made upon the death of the annuitant. This benefit […]

Insurance Appraisal Clause – Resolving an Impasse in Your Claim

What if you and your adjuster/insurance agency are still at a deadlock over the value of your property after all that you have done? Now it’s time to invoke your insurance policy’s Appraisal Clause. The Appraisal Clause can be found in all insurance policies. It was created to provide a process for disputing amounts to be settled […]

Agency Succession Planning – Options and Opportunities

These situations are often fraught with difficulties. The owner must “unlock” the agency’s liquidity so that he or she can retire and not create excessive financial leverage for his/her successors. The agency owner must choose between protecting the legacy of the family business and transferring ownership to avoid creating an excessive financial burden. The agency owner […]

Hard Times in America – Preserving Insurance and Assets

Almost everyone is aware of the difficult economic times we are currently in. It’s going to get worse before it gets better. We offer advice, direction, and points of guidance to the public to help individuals, families, small businesses, and their employees to keep the coverages they have and/or obtain the coverages that are most appropriate […]