Category Archives: Finance Guide

Are you a member of the Homeowners Association (HOA)? Do you know what D&O insurance is and whether your HOA needs it? Directors and Officers (D&O) insurance is designed to protect board members, property managers, and other individuals in positions of authority within an organization from legal action. In this blog post, we will explore […]

According to the NOAA 2020 was a record year for natural catastrophes. September saw the end of the annual 21-name hurricane list. The remainder of hurricanes were renamed using the Greek alphabet for the second consecutive year. A few hours or a few days of preparation can make a difference to the extent of damage to your […]

Home insurance providers frequently require an in- and/or outdoor home inspection as part of the application process, in order to identify any issues which might affect coverage or rates. Travelers is one of the largest home insurers in the US, renowned for its wide variety of discounts and excellent customer service. What Is Covered? Before […]

Homeowners insurance rates vary significantly by state, city and ZIP code as well as depending on how much dwelling coverage you purchase and other factors like your claims history. Selecting a higher homeowners insurance deductible can lower your rates, but ensure you have enough savings set aside to cover its payment in case of a […]

Association health plans allow groups and individuals from similar occupations or geographic regions to join together. Plans can either be fully insured through a broker, or self-funded by the association itself. Federal and state regulations place stringent rules on small group plans. These must adhere to ERISA and Affordable Care Act guidelines for small group […]

Insurance agents may receive their compensation either directly from a flat fee payment, or commissions included with your premium payments. Some companies even provide bonuses to top brokers. The Affordable Care Act established quality bonus payments to encourage Medicare Advantage plans to compete for enrollees based on their quality rating, and we estimate these payments […]

Our plans are tailored to address what matters, from quality coverage to caring support. Find one that’s just right for you. New Yorkers can access multiple health insurance options, from free or low-cost public plans like Medicaid and Child Health Plus to coverage through employers or the Marketplace. Get Covered in NYC The Affordable Care […]

Uninsured motorist coverage protects you from having to cover injuries or vehicle damage from drivers who lack insurance, keeping costs out-of-pocket as far as possible. Required in some states and offered as an optional add-on in many policies. Who is covered depends on household members’ ages and driving records as well as factors related to […]

Insurance agents have had very limited exposure to reinsurance and little education about it. Agents are only made aware of reinsurance by an underwriter from the insurance company. This tells them that we cannot write this type of business because of our insurance company’s treaty insurance agreements. Over the years, reinsurers have been the traditional risk-taking […]

It can be frustrating to figure out Medicare. It is amazing how much mail a consumer gets after turning 65. There are many people claiming to have the best plan for you. You only have one window to enroll in a plan. Not understanding the details can lead to costly mistakes down the road. It is important to find […]