Category Archives: Finance Guide

The Principles Based Valuation (PBV), has received a lot of support from the industry. Instead of using prescribed methods, assumptions and tables to calculate statutory reserves, they will be calculated based on actuarial judgement in accordance with best practice standards. Before reserves are officially released, it is crucial that such reserves be peer reviewed by another professional […]

Flooding is one the most devastating natural disasters of the year. This makes flood insurance essential for homeowners in the United States. Flood zones can be found in every part of the country, from beachfront condos to landlocked subdivisions. According to an environmental research letter study, nearly 41 million Americans live within flood zones. Many people living in […]

New Jersey drivers must have a minimum level of car insurance. This means that driving without insurance is illegal in New Jersey. Drivers caught driving without insurance will be punished severely. It doesn’t matter if you live in New Jersey, or if you are moving to the Garden State. You need to be familiar with the New […]

Encompass Insurance is a specialist in home and auto insurance. The carrier was founded in 1897 and was acquired by Allstate in 1999, thereby becoming the insurance company you know today. Encompass homeowners and auto insurance is offered through 2600 agents across the country. Encompass auto insurance is available to anyone who lives in any of the following states: Alaska, Hawaii, Massachusetts. […]

Though it is not something you want to think about, the possibility of losing or being stolen from your favourite piece of jewelry is not one that you should ignore. Many victims of theft or loss find it difficult and frustrating to claim on their insurance. Insurance companies are known for their extraordinary ability to “wriggle” with […]

Talking to your insurer and documenting everything will help you manage and recover from serious storm damage. Many homeowners are still reeling from the devastating winter storms that ravaged the country. Millions have been left without power in Texas, Oklahoma, Louisiana, and other states due to severe weather. This has caused billions of dollars worth […]

Michigan law requires that every vehicle owner must have at least a minimum of one year’s car insurance. It is illegal to drive without insurance in Michigan and can lead to serious consequences. It doesn’t matter if you are an existing Michigan resident or if you plan to move there in the future, it is crucial that […]

Electric Insurance, a Massachusetts-based company, was established in 1966 to offer insurance to General Electric employees. It began offering its services and products to all customers later. Electric Insurance is available in all 50 states as well as Puerto Rico. It offers a variety of insurance options and coverage options. There are also special perks for employees at General […]

You will need E andO and D andO and Tech and Privacy Breach E andO insurance if you are a private, government, or public entity. E and O insurance, also known as Errors & Omissions insurance, covers both the service you provide and the representations your employees make to customers. D and O (also known as Directors […]

It is human nature to believe that there will never be any harm, or even close to it. Sometimes things can go wrong. Unexpected events can happen at any moment. It’s important to have insurance. This includes professional liability insurance, business insurance, and liability insurance. The old saying is “Hope for good, but be prepared for the worst.” […]