Trust protects life insurance proceeds - Monroe News Star

Monroe News Star

Trust protects life insurance proceeds Monroe News Star Question: I have decided to buy a pretty large life insurance policy on myself so that if something happens to me my wife can keep raising the kids. She would have to forgo much of her career to raise our kids alone, so it wouldn't be fair for her to ...

House Dem: Renew long-term terrorism insurance - The Hill

House Dem: Renew long-term terrorism insurance The Hill But since Hensarling's committee has jurisdiction over TRIA, industry stakeholders are concerned that Hensarling will push for a short-term, six- to nine-month reauthorization unless he's able to weaken the government's role in the insurance market.

10 Ways to Avoid Being Ripped Off Buying Health Insurance

Is a health insurance check-up on your financial to-do list for 2013? Whether your employer offers you a couple different plans to choose from, or you pay out of pocket for your own policy, how do you know if you’re getting the most for your money? Health insurance expert Katherine Woodfield provides 10 tips on how to navigate the sometimes-confusing lingo, mathematic calculations and insurance coverage options to help make… Read More »

Casey Kasem -- Lawsuit Over Who Gets HUGE Life Insurance Check - TMZ.com

TMZ.com

Casey Kasem -- Lawsuit Over Who Gets HUGE Life Insurance Check TMZ.com The dogfight over Casey Kasem's estate is now going to court -- his kids are waging war with his widow over a $2 million life insurance policy. MetLife actually filed the lawsuit ... telling the judge it's stumped. Both Jean Kasem and Casey's 3 kids ...

Scamming Obamacare harder than you think

Officials announced on July 5 that insurance exchanges could relax how they verify the income of people who apply for federal financial help in the first year. But experts say the temporary change won’t necessarily make it easier to scam the system. The subsidies at issue are meant to help people who can’t afford to pay full freight for health insurance. Generally speaking, the less you make, the bigger the… Read More »

11 Secret Ways to Save on Your Homeowners Insurance - DailyFinance

DailyFinance

11 Secret Ways to Save on Your Homeowners Insurance DailyFinance Getty Images You know you need homeowners insurance, but what you may not know is how many different types of discounts that your carrier offers. According to Bankrate.com, there are at least 11 types -- and chances are, most will be a surprise to you.

Who Needs Renters Insurance?

Anurag Wahklu meant to get renters insurance. He’d talked with an agent and was waiting for more info. Then his Boston-area apartment building went up in flames, leaving Wahklu, his pregnant wife and his mother-in-law with little more than the clothes on their backs. Now, he says, “I am a strong advocate for renters insurance.” So is Joie Tamkin, who came home and interrupted a lunch-hour burglary at her Austin,… Read More »

A Second Look at Travel Insurance

I have written in the past that trip cancellation insurance is not a necessity, since most people can afford to self-insure against the risk of vacation plans gone awry. It is important, for example, that you do business with a reputable travel agency and look into a cancellation waiver. But recent policy changes by airlines may shock unaware travelers who have to cancel or change flights because of illness or… Read More »

Amy Dawson: "I love to sue insurance companies..." - Twin Cities Daily Planet

Amy Dawson: "I love to sue insurance companies..." Twin Cities Daily Planet The election of judges, and Amy Dawson is a candidate for the Hennepin County Bench Seat 61, is supposed to be about judicial philosophy, NOT political ideology. That comment, “I love to sue insurance companies” goes straight to judicial philosophy: it ...

Homeowners insurance in Florida to become more expensive

Florida is home to some of the highest homeowners insurance rates in the U.S. Next week, those rates may reach new heights thanks to the state’s Citizens Property Insurance Corp. News of rate increases coming from the state-run insurer has been circulating for some time, but now the organization’s board of directors seems to be ready to take rate hikes into serious consideration. Executives are currently schedules to meet next… Read More »

American Family Insurance ALL-USA Performances of the Week - Trinity's Sam ... - USA TODAY High School Sports

USA TODAY High School Sports

American Family Insurance ALL-USA Performances of the Week - Trinity's Sam ... USA TODAY High School Sports Robinson's efforts lead our American Family Insurance ALL-USA Performances of the Week. The rest of the top performances: Patrick Briningstool, quarterback, Chippewa Valley, Clinton Township, Mich. Junior completed all 10 of his passes for 284 yards ...

American Family Insurance ALL-USA Performances of the Week: Robinson ... - USA TODAY High School Sports

USA TODAY High School Sports

American Family Insurance ALL-USA Performances of the Week: Robinson ... USA TODAY High School Sports Robinson's efforts lead our American Family Insurance ALL-USA Performances of the Week. The rest of the top performances: Patrick Briningstool, quarterback, Chippewa Valley, Clinton Township, Mich. Junior completed all 10 of his passes for 284 yards ...

Clark Howard: An easy way to compare insurance policies - Atlanta Journal Constitution (blog)

Clark Howard: An easy way to compare insurance policies Atlanta Journal Constitution (blog) Shopping for any kind of insurance is a pain. But what if there were a way to get rate comparisons emailed to you and no unwanted phone calls from pushy agents? Too many people don't shop for insurance of all kinds because they're afraid of having to ...

What Causes Car Insurance Rates To Rise?

Nationally, a married couple pays an average of 84 percent more for car insurance after adding a teenage driver to their policy, according to a new report. According to a release, male teenagers cause significantly higher increases than females (96 percent versus 72 percent, on average). The average increase is highest for 16-year-olds (99 percent) and diminishes a bit each year thereafter. A married couple adding a 17- year-old can… Read More »

NYC has lowest levels of employer health insurance - Crain's New York Business

NYC has lowest levels of employer health insurance Crain's New York Business Most New York state residents get health insurance from their employers. But New York City dwellers are far less likely to obtain coverage from their jobs, and more likely to be covered by Medicaid, than the rest of the state. New York City has the ...

7 Travel Insurance Tips for Your Next Vacation

The news of the cruise ship disaster off the coast of Italy was particularly noteworthy for my family. On April 1, we set sail on a seven-day Caribbean cruise. My daughter is already freaking out, and my son is not helping matters. He’s plastered pictures of the Costa Concordia all over the house. One issue the tragedy has brought into focus for us is travel insurance. My travel agent and… Read More »

Your guide to bespoke life insurance conversations - LifeHealthPro

LifeHealthPro

Your guide to bespoke life insurance conversations LifeHealthPro Despite its numerous benefits, life insurance tends to be underutilized in financial planning. According to LIMRA research, nearly 85 percent of consumers agree that most people need life insurance, but Northwestern Mutual's 2014 Planning & Progress ...

Skipping Health Insurance Enrollment – Decide Now or Face More Than $95 Penalty

Most uninsured Americans must decide this year whether to obtain a health insurance or just simply face the tax penalty. For some who still don’t know about the penalty, the amount is small at least for this year. However, their decision to skip health insurance can turn into an expensive mistake. Is it Really $95 or More? According to the senior vice president for health policy in Jackson Hewitt Tax… Read More »

Making Travel Insurance Work for You

Have the ashes from the recent Iceland volcano eruption clouded your travel plans? Granted, being stuck in an airport in Amsterdam or Dublin isn’t the worst thing in the world, especially if you’re young, cash-liquid and aren’t pressed for time getting back to the U.S. But what about the rest of Americans? Reality dictates that being grounded in London has ramifications for thousands who are due in Los Angeles the… Read More »

Alleged ring leader of vehicle insurance fraud operation arraigned in ... - The Republican - masslive.com

The Republican - masslive.com

Alleged ring leader of vehicle insurance fraud operation arraigned in ... The Republican - masslive.com NORTHAMPTON — The alleged ring leader of a New-York-based insurance fraud operation was arraigned on 29 additional counts regarding the scheme Wednesday in Hampshire Superior Court, bringing the total number of charges against her to 168.

Travel Insurance – Is It Really Needed?

You’ve remembered to pack your sunscreen, swimsuit and that novel you’ve been meaning to read for ages, so you’re all set for your summer holiday, right? Not quite. You may be forgetting the most essential item of all – your travel insurance. As the old industry adage goes, if you can’t afford travel insurance, you can’t afford to travel. Without it, your dream holiday could fast turn into a financial… Read More »

Westville council approves insurance plan - Danville Commercial News

Westville council approves insurance plan Danville Commercial News Under the village's current plan, employees' insurance is entirely paid for by the village, with employees responsible for the first $600 in deductibles and the village picking up the next $2,400. The next $2,000 in deductible is split between the ...

Lloyd's, Specialty Insurance Advisors Offer Ebola Coverage for First Responders - Insurance Journal

Lloyd's, Specialty Insurance Advisors Offer Ebola Coverage for First Responders Insurance Journal Lloyd's of London is offering Ebola coverage for first responders through its U.S. distributor, Specialty Insurance Advisors, as an added benefit to its pre-existing Needle Stick and Workplace Violence coverage. The cover will protect healthcare and ...

Rule change would allow insurance companies to keep unclaimed money - KOCO Oklahoma City

Rule change would allow insurance companies to keep unclaimed money KOCO Oklahoma City Officials say they'll be looking at a study that claims some life insurance companies are trying to create loopholes in the law to avoid paying out unclaimed life insurance policies to the unclaimed property program. A local woman is expected to show ...

Scamming Obamacare harder than you think

Officials announced on July 5 that insurance exchanges could relax how they verify the income of people who apply for federal financial help in the first year. But experts say the temporary change won’t necessarily make it easier to scam the system. The subsidies at issue are meant to help people who can’t afford to pay full freight for health insurance. Generally speaking, the less you make, the bigger the… Read More »

AAA Study: Cost of Owning a Car is Rising

If you own your car outright, you might not think it costs you that much to own it, but AAA’s 2013 Your Driving Costs study shows that costs range from nearly $7,000 to more than $11,000 for the average American, depending on the kind of car driven. What’s more, the cost of owning a car is rising, which means it’s costing you more money to drive your car year after… Read More »

A Second Look at Travel Insurance

I have written in the past that trip cancellation insurance is not a necessity, since most people can afford to self-insure against the risk of vacation plans gone awry. It is important, for example, that you do business with a reputable travel agency and look into a cancellation waiver. But recent policy changes by airlines may shock unaware travelers who have to cancel or change flights because of illness or… Read More »

Program reaching goal of ensuring future of insurance - St. Augustine Record

Program reaching goal of ensuring future of insurance St. Augustine Record “The idea is that they will see the job opportunities in the insurance industry, whether it be on the agency or whether it be on the company side, and have a fulfilling, well-paid, full benefits career,” said Baker, who's a leader in the effort in St ...

Homeowners insurance in Florida to become more expensive

Florida is home to some of the highest homeowners insurance rates in the U.S. Next week, those rates may reach new heights thanks to the state’s Citizens Property Insurance Corp. News of rate increases coming from the state-run insurer has been circulating for some time, but now the organization’s board of directors seems to be ready to take rate hikes into serious consideration. Executives are currently schedules to meet next… Read More »

Harrisburg taxi companies suspended after insurance company liquidates - The Patriot-News - PennLive.com

Harrisburg taxi companies suspended after insurance company liquidates The Patriot-News - PennLive.com In this June 15, 2009 file photo taxi cabs are seen at Tegel Airport in Berlin. A court has issued an injunction barring ridesharing service Uber from operating in Germany, the latest shot in a fight with the country's taxi drivers. Frankfurt state ...

Gates: 'Huge mistake' for Congress to end terrorism insurance program - The Hill

Gates: 'Huge mistake' for Congress to end terrorism insurance program The Hill Gates said it would be a “huge mistake” for lawmakers not to renew the Terrorism Risk Insurance program, which was enacted after the September 11, 2001 terrorist attacks to provide a federal backstop for the cost of insurance payouts after a large ...

9 Secrets of Home Insurance Claims

You’re at a disadvantage when you have major house damage or a total loss of your home. You face a home insurance claim process that could easily stretch out for more than a year, require reams of paperwork and leave you exhausted. Unless you’ve already run the gantlet of a major home insurance claim, you don’t know what to expect. We asked Ron Reitz, the president of Quality Claims Management… Read More »

Life Insurance and Annuity Scams: Don't Be The Next Victim - Fox Business

Fox Business

Life Insurance and Annuity Scams: Don't Be The Next Victim Fox Business Annuity insurance is another area that's rife with scams. Quiggle says one fraud called “twisting” occurs when an agent convinces an elderly client to invest in pricey annuities that they have to hold on to for ten to 15 years or pay a severe penalty ...

American Family Insurance ALL-USA Performances of the Week: Robinson ... - USA TODAY High School Sports

USA TODAY High School Sports

American Family Insurance ALL-USA Performances of the Week: Robinson ... USA TODAY High School Sports Robinson's efforts lead our American Family Insurance ALL-USA Performances of the Week. The rest of the top performances: Patrick Briningstool, quarterback, Chippewa Valley, Clinton Township, Mich. Junior completed all 10 of his passes for 284 yards ...

Low cost or free health insurance coverage available for kids - WJXT Jacksonville

Low cost or free health insurance coverage available for kids WJXT Jacksonville 000 OF LOCAL CHILDREN HERE IN DUVAL COUNTY QUALIFY FOR HEALTH INSURANCE BUT THEY'RE NOT SIGNING UP AND. THEN ARE, PARENTS DON'T REALIZE THEIR KIDS ARE ELIGIBLE OR DON'T KNOW WHO TO CALL TO ENROLL THEM.

When insurance isn't enough, FSA's have got you covered - U-T San Diego

When insurance isn't enough, FSA's have got you covered U-T San Diego In essence, an FSA is a special account that allows employees to put nontaxable money into an account that can be used for certain health care expenses that aren't covered by medical insurance plans, said Michelle Vroom, a senior public relations ...

Pasco may need new fire station to avoid insurance hike - Mid Columbia Tri City Herald

Pasco may need new fire station to avoid insurance hike Mid Columbia Tri City Herald Pasco residents could see their homeowners insurance rates rise if fire department improvements aren't made soon. A preliminary rating from the Washington Survey and Rating Bureau gave Pasco a risk rating of 6, which is lower than its current 5 rating ...

7 Travel Insurance Tips for Your Next Vacation

The news of the cruise ship disaster off the coast of Italy was particularly noteworthy for my family. On April 1, we set sail on a seven-day Caribbean cruise. My daughter is already freaking out, and my son is not helping matters. He’s plastered pictures of the Costa Concordia all over the house. One issue the tragedy has brought into focus for us is travel insurance. My travel agent and… Read More »

Boston Councilor Urges People to Acquire Renters Insurance - NerdWallet (blog)

NerdWallet (blog)

Boston Councilor Urges People to Acquire Renters Insurance NerdWallet (blog) The problem is serious enough that City Councilor Sal LaMattina is asking area apartment dwellers to take out renters insurance for their own protection. Of the numerous incidents, some of the worst include an eight-alarm blaze in April that left three ...

Making Travel Insurance Work for You

Have the ashes from the recent Iceland volcano eruption clouded your travel plans? Granted, being stuck in an airport in Amsterdam or Dublin isn’t the worst thing in the world, especially if you’re young, cash-liquid and aren’t pressed for time getting back to the U.S. But what about the rest of Americans? Reality dictates that being grounded in London has ramifications for thousands who are due in Los Angeles the… Read More »

White House Opens Health-Insurance Portal to Small Businesses in Five States - Wall Street Journal

White House Opens Health-Insurance Portal to Small Businesses in Five States Wall Street Journal Companies in those states that have fewer than 50 full-time workers can start using the site now to buy insurance for workers for 2015. The test is part of a soft launch before the small business exchange rolls out for most of the rest of the country ...

Travel Insurance – Is It Really Needed?

You’ve remembered to pack your sunscreen, swimsuit and that novel you’ve been meaning to read for ages, so you’re all set for your summer holiday, right? Not quite. You may be forgetting the most essential item of all – your travel insurance. As the old industry adage goes, if you can’t afford travel insurance, you can’t afford to travel. Without it, your dream holiday could fast turn into a financial… Read More »

Delaware Regulator Says Federal Overseers Should Keep Mits Off MetLife - Wall Street Journal (blog)

Wall Street Journal (blog)

Delaware Regulator Says Federal Overseers Should Keep Mits Off MetLife Wall Street Journal (blog) WASHINGTON – Delaware's state insurance regulator is urging top U.S. financial regulators to avoid subjecting MetLife Inc. to additional regulation, the second state official to protest federal efforts to designate the New York insurer as “systemically ...

AAA Study: Cost of Owning a Car is Rising

If you own your car outright, you might not think it costs you that much to own it, but AAA’s 2013 Your Driving Costs study shows that costs range from nearly $7,000 to more than $11,000 for the average American, depending on the kind of car driven. What’s more, the cost of owning a car is rising, which means it’s costing you more money to drive your car year after… Read More »

A Second Look at Travel Insurance

I have written in the past that trip cancellation insurance is not a necessity, since most people can afford to self-insure against the risk of vacation plans gone awry. It is important, for example, that you do business with a reputable travel agency and look into a cancellation waiver. But recent policy changes by airlines may shock unaware travelers who have to cancel or change flights because of illness or… Read More »

Voices: Bruce Elfenbein, on Long-Term Care Insurance Alternatives - Wall Street Journal

Wall Street Journal

Voices: Bruce Elfenbein, on Long-Term Care Insurance Alternatives Wall Street Journal One potential solution we've seen from insurance carriers over the past few years are so-called hybrid policies, comprising a life-insurance policy or annuity that includes a long-term care component. For example, if a client qualifies for the carrier ...

9 Secrets of Home Insurance Claims

You’re at a disadvantage when you have major house damage or a total loss of your home. You face a home insurance claim process that could easily stretch out for more than a year, require reams of paperwork and leave you exhausted. Unless you’ve already run the gantlet of a major home insurance claim, you don’t know what to expect. We asked Ron Reitz, the president of Quality Claims Management… Read More »

New Rule Addresses Lenders' Flood Insurance Escrowing, Mandate Exemptions - Insurance Journal

New Rule Addresses Lenders' Flood Insurance Escrowing, Mandate Exemptions Insurance Journal Finally, the proposal would eliminate the requirement to purchase flood insurance for a structure that is a part of a residential property located in a special flood hazard area if that structure is detached from the primary residential structure and ...

From Life Insurance Agents To Wealth Managers - Forbes

From Life Insurance Agents To Wealth Managers Forbes There was a time when life insurance agents provided life insurance, investment advisors provided money management, accountants did tax work, attorneys did legal work and so on and so forth. But, for certain types of wealthy clients, that time has passed.

Tips to Choosing the Best Travel Insurance Plan

While planning a vacation, you use words like unwinding, adventure, fun and entertainment, and not accident, illness and medical emergency. So, you usually don’t bother to buy a travel insurance plan unless it is mandatory. Even though you don’t make a claim every time you buy travel insurance, it is unwise to go out without one. Medical costs in most foreign countries are high. Even consulting a doctor can burn… Read More »

How Alabama insurance agents are profiting in new Obamacare economy - The Huntsville Times - al.com

The Huntsville Times - al.com

How Alabama insurance agents are profiting in new Obamacare economy The Huntsville Times - al.com More than 8 million Americans selected health insurance plans through the exchanges last year. The Congressional Budget Office estimates that between 24-25 million Americans are expected to obtain coverage through the exchanges starting in 2017.

State Insurance Department to hold hearing amid review of Highmark's ... - Scranton Times-Tribune

State Insurance Department to hold hearing amid review of Highmark's ... Scranton Times-Tribune As state regulators mull Highmark Inc.'s proposal to acquire Blue Cross of Northeastern Pennsylvania, residents will have a platform to voice support or concern about the proposed agreement. The state Insurance Department will hold a public ...

7 Travel Insurance Tips for Your Next Vacation

The news of the cruise ship disaster off the coast of Italy was particularly noteworthy for my family. On April 1, we set sail on a seven-day Caribbean cruise. My daughter is already freaking out, and my son is not helping matters. He’s plastered pictures of the Costa Concordia all over the house. One issue the tragedy has brought into focus for us is travel insurance. My travel agent and… Read More »

Potential spread of Ebola virus raises insurance coverage concerns - Business Insurance

Potential spread of Ebola virus raises insurance coverage concerns Business Insurance The possible spread of the Ebola virus in the United States is raising coverage concerns under commercial insurance ranging from general liability to the business interruption protection of property policies. Potential problems — such as whether an ...

Discrimination Against People With Low Socio-Economic Status Evident In Some Family Physicians’ Offices

Family physicians’ offices appear to discriminate against people of low socio-economic status, even when there is no economic incentive to do so under Canada’s system of publicly-funded universal health insurance, new research has shown. At the same time, these offices appear to give preference to people with chronic health conditions, according to the research led by Dr. Stephen Hwang of St. Michael’s Hospital. In his study, published in the Canadian… Read More »

Travel Insurance – Is It Really Needed?

You’ve remembered to pack your sunscreen, swimsuit and that novel you’ve been meaning to read for ages, so you’re all set for your summer holiday, right? Not quite. You may be forgetting the most essential item of all – your travel insurance. As the old industry adage goes, if you can’t afford travel insurance, you can’t afford to travel. Without it, your dream holiday could fast turn into a financial… Read More »

Insurance mistakes people make at every age - Washington Post

Insurance mistakes people make at every age Washington Post No one likes to read the fine print on an insurance policy, but it's important to check in sometimes to see if you're insurance set-up is right for you. It can be the thing that keeps you afloat in case there's a devastating event in your life. Below ...

AAA Study: Cost of Owning a Car is Rising

If you own your car outright, you might not think it costs you that much to own it, but AAA’s 2013 Your Driving Costs study shows that costs range from nearly $7,000 to more than $11,000 for the average American, depending on the kind of car driven. What’s more, the cost of owning a car is rising, which means it’s costing you more money to drive your car year after… Read More »

Medicare: Seniors Saved $3.7 Billion on Medicine

NEW YORK — More than 5.2 million Medicare beneficiaries have saved a total of $3.7 billion on their prescription drugs since the health care reform law went into effect, the Centers for Medicare & Medicaid Services said Monday. The Affordable Care Act — also known as health care reform — which passed in 2010 mandated financial relief for seniors who fall into Medicare’s so-called “donut hole.” The Supreme Court is… Read More »

Keeping Millions Of American Women And Their Families Healthy

Women’s issues play a major role in the health of the nation and should be a key consideration for policymakers as they design and set up the new insurance exchanges, according to a report co-authored by policy experts at the George Washington University School of Public Health and Health Services (SPHHS). The report offers a checklist for the state-based health insurance exchanges, one that will help ensure that women, children… Read More »

How Long Do I Need Life Insurance?

I know there are lots of calculators out there that determine how much life insurance a person needs, but if your intent is not to transfer wealth to the next generation, but only to cover needs in the case of an unexpected death, up until what age do you need term coverage? It probably varies based on your needs, but are there any guidelines? When do I need to sunset… Read More »

Alabama insurance exchange gets more competition - WIAT 42

WIAT 42

Alabama insurance exchange gets more competition WIAT 42 More than 7 million people signed up for coverage through the overhaul's public insurance exchanges after the first annual open enrollment window started last fall. Open enrollment returns starting Nov. 15, and experts say it brings with it the perfect ...

9 Secrets of Home Insurance Claims

You’re at a disadvantage when you have major house damage or a total loss of your home. You face a home insurance claim process that could easily stretch out for more than a year, require reams of paperwork and leave you exhausted. Unless you’ve already run the gantlet of a major home insurance claim, you don’t know what to expect. We asked Ron Reitz, the president of Quality Claims Management… Read More »

Life insurance policy lingo explained - Cincinnati.com

Life insurance policy lingo explained Cincinnati.com A life-insurance policy is a complex legal document. It contains terms and conditions required by state regulators and designed to protect the insured. Other terms and conditions are included to protect the insurance company from misinterpretation and ...

Tips to Choosing the Best Travel Insurance Plan

While planning a vacation, you use words like unwinding, adventure, fun and entertainment, and not accident, illness and medical emergency. So, you usually don’t bother to buy a travel insurance plan unless it is mandatory. Even though you don’t make a claim every time you buy travel insurance, it is unwise to go out without one. Medical costs in most foreign countries are high. Even consulting a doctor can burn… Read More »

How Alabama insurance agents are profiting in new Obamacare economy - The Huntsville Times - al.com

The Huntsville Times - al.com

How Alabama insurance agents are profiting in new Obamacare economy The Huntsville Times - al.com More than 8 million Americans selected health insurance plans through the exchanges last year. The Congressional Budget Office estimates that between 24-25 million Americans are expected to obtain coverage through the exchanges starting in 2017.