Life insurance myths How’s this for a sales pitch? “We need to talk about your death.” Yet, that’s precisely the elephant in the (dead center of) the room that we delicately avoid when we consider buying life insurance. “They call it life insurance, but it’s really death insurance. After all, you’ll never live to collect,”...
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P/C Insurance Pricing Still Competitive, Says MarketScout
The average price of insurance for all U.S. businesses remained the same in April 2015 as it was in April 2014, according to the latest analysis from online insurance exchange MarketScout. MarketScout CEO Richard Kerr noted that the market remained flat with a zero percent increase in April 2015, down from a 1.5 percent increase...
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Cyber Losses vs. Property Losses
The financial impact of cyber exposures is close to exceeding those of traditional property, yet companies are reluctant to purchase cyber insurance coverage. These are the striking findings of a new Ponemon Institute survey sponsored by Aon. Companies surveyed estimate that the value of the largest loss (probable maximum loss) that could result from theft...
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How to choose replacement tires
When replacing your car’s tires, price shouldn’t be the first consideration; at least, that’s the opinion of many tire experts. Other factors, such as safety, grip and ride quality, should top the reasons-to-buy list. Most of us don’t think much about our tires until one goes flat or they become so worn that we...
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Keep Workers Cool As The Heat Turns Up
As the weather starts to turn warmer, extra effort should be made to keep employees safe and healthy. As too many businesses have discovered over the years, heat-related injuries and ultimately fatalities are more commonplace than one realizes. According to information from OSHA, workers dealing with heat conditions are best suited when they: Drink water...
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How To Insure A $120 Million Horse
The Kentucky Derby is upon us and insurers are more than just spectators at this major sporting event. Bloodstock and equestrian insurance is big business with underwriters who specialize in offering tailored protection for high value animals. Consider the staggering values at stake. A BloombergBusiness article by Mason Levinson tells the tale of American thoroughbred...
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The Everything-PPACA edition of Health Wonk Review
The ongoing rollout of the Affordable Care Act is the primary subject of this edition of Health Wonk Review – but there’s much more from the best of the health policy blogosphere – all summarized here for your reading pleasure! PPACA rollout Brad Flansbaum has written a thoughtful and compelling perspective on the impact of...
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Time to Consider Product Recall Insurance?
The decision by Texas-based Blue Bell Creameries to recall all of its products after two samples of its ice cream tested positive for listeria is a timely reminder of the importance of product recall insurance. Product recalls can be costly and logistically complex. In Blue Bell Creameries’ case the expanded voluntary recall announced Monday night...
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Residual Auto Market, Meet Self-Driving Cars
Everyone wants to talk about autonomous vehicles, and for proof I.I.I. chief actuary Jim Lynch offers the AIPSO Residual Market Forum, at which he spoke in mid-April. AIPSO manages most of the automobile residual market, where highest risk drivers get insurance. Each state has a separate plan for handling risky drivers and AIPSO services most of them in...
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When marijuana is legal and HOA rules are hazy
real estate More than 20 U.S. states allow certain people to grow, sell, possess or use marijuana to varying degrees and for various purposes, although federal law still classifies weed as an illegal drug. Given that contradiction, what rules apply to people who live in condominiums or communities governed by a homeowners association? The answer...
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