Category Archives: Finance Guide

A lot of beneficiaries look for help from a medicare supplement broker to get their supplemental insurance. It can be difficult to understand Medicare for someone who is new to the program. For someone who is not familiar with Medicare, the sheer number of options can seem overwhelming. However, agents who are trained in these products […]

I was prepared for the moment when the rooster slapped me in the back with the financial crisis. I knew exactly what I was doing, and what I needed to do to continue making money. Because I had trading as a back up, it was easy. Anywhere, anytime. This is what generates over half my monthly income. So […]

Is telemarketing still a viable source of insurance agency marketing leads? Does there exist an elasticity between appointment efficacy, volume, target market and commission opportunities? It all depends on the approach, methodology, target market, and tools. Although telemarketing still has its benefits, agencies are still able to achieve impressive results. However, these campaigns should be called appointment-setting campaigns […]

Small businesses must comply with state and insurer rules when it comes to health insurance requirements, but whether or not this obligation applies depends upon factors like employee count. Employers that offer group health insurance cannot deny coverage or charge higher premiums based on preexisting conditions, providing employers with an important tool for recruiting and […]

General liability or business liability insurance provides essential protection from these costs and may even be required by contracts or commercial lease agreements. Business owner’s policies (BOPs), which typically encompass commercial property insurance and business interruption coverage, tend to group together policies with similar risk characteristics into one policy bundle. Cost Cost of general liability […]

Independent agents can be an invaluable source for understanding the complexities of insurance. They will ask all the pertinent questions to assess your needs, then tailor carrier and coverage recommendations specifically tailored towards you. They live and work in your community, making them uniquely qualified to assist with local insurance requirements and shopping your policy […]

As family dynamics shift, some individuals are considering covering parents on their health insurance policy; whether this option is possible depends on state regulations. Medical plans typically only permit dependents who are legally or financially dependent to be added, although elderly parents can also be added. California offers several private policies which provide this service. […]

An insulin supply can cost as much as $105 without insurance, but you could potentially save money through patient assistance programs and discounts. Insulin manufacturers are cutting their prices due to public pressure, new competition from new players and changes in law that affect drug rebates. Insulin producers also seek to avoid paying billions in […]

If the at-fault driver only carries limited insurance or none at all, a claim should still be submitted with their own company; however, many organizations exploit policyholders by employing various strategies to deny or reduce any compensation awarded. If an insurance provider acted in bad faith by denying or underpaying valid claims, those injured by […]

Insurance adjusters work on behalf of for-profit insurance companies and may use delay tactics and lowball offers to wear you down. Stay calm and polite to increase your chances of a fair settlement. Do not sign a blanket medical release and make no recorded statements – this gives them the chance to use any discrepancies […]