Search Results for: insurance

Every business venture has a cost. Selling insurance is no exception. It is not easy to be successful in insurance selling. It is possible to feel pain when you stretch yourself. In order to achieve the success you desire, you may have to make sacrifices. Success is not easy for insurance agents. Their success depends on their efforts. They recognize that […]

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 […]

Cancer insurance provides lump sum payments that may help cover some of the associated expenses of cancer diagnosis and treatment, though factors like your finances, health status and type of cancer could affect whether it makes financial sense to buy such coverage. Cancer insurance may overlap with existing health coverage, rendering it unnecessary or even […]

An annuity is an insurance contract that guarantees regular income payments over an agreed upon time or lifetime, typically tax-deferred growth and protection against market losses. There are different kinds of annuities such as fixed annuities and indexed annuities regulated by state insurance commissioners; while indexed annuities fall under SEC oversight. Rate of return Fixed […]