May 18, 2012
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What you need to consider for covering your business

What you need to consider for ...

Many business owners rely on their personal insurance to cover their small businesses. It is, especially true of business owners, working at home. But health insurance is not designed to ...

How advantageous can be a suitable insurance company?

How advantageous can be a suit...

If you use any form of business, chances are you have some form of business insurance in place. It might be just the legal minimum, it could be any liability ...

As a business owner you need a business insurance

As a business owner you need a...

A woman enters the restaurant you own, and is triggered by a nail protruding from the floor. It sounds great, but a week later she is back with a lawyer ...

Home business requires a business insurance

Home business requires a busin...

There are so many aspects you must consider when you own a home business. Insurance could be something that you do not even have time to think. However, remember that ...

Browsing all articles in Insurance News

Reducing Life Insurance Premiums

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adminMarch 12, 2012

Have you ever wondered how life insurance companies decide how much to charge you? They do it based on a combination factors that help them determine your likelihood of dying in the near future. Quite obviously, the longer you live, the more premiums you will pay them. Permanent policies like whole life are intended to be collected on eventually, but they would prefer to collect more than the benefit is worth of money from you first. Therefore, the higher risk you are for serious illness and death, the more they will charge you.

Some of these factors, such as age and family medical history, are not controllable by you, although by choosing to buy permanent insurance when you are younger rather than older will get you a lower price. Full Post…

Tags: Insurance, life insurance

Health Insurance for the Self-Employed

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adminMarch 8, 2012

Most employees get their health insurance from employers as part of the fringe benefits. If you are running your own business or you are working freelance, then you need to find a suitable health plan yourself. Luckily, there are several alternatives of health coverage for the self-employed.

For starters, you can rely on the COBRA coverage within the first 18 months of working freelance; this is only applicable if you have an existing health insurance provided by your former employer. COBRA is designed to cover those who lost their jobs until they can find a new position that also offers proper health insurance.

Although COBRA is a very good alternative to get proper health plan, it is still necessary that you take a closer look at other options on the market. Full Post…

Tags: health coverage

Individual Dental Insurance Quotes – Check before you get a dental insurance

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adminMarch 3, 2012

Health care and dental care can be really expensive things to deal with. Though the procedures may seem simple the charges and other expenses incurred can be really heavy. There are a number of health insurances now available which help ease the burden of finances. Dental procedures are sensitive ones and need precision, at the same time these procedures are also expensive. To take care of such medical needs one can take the Individual dental insurance. This insurance plan is designed to take care of all the dental health needs of the policy holder.

There are a lot of dental insurances that are available to people. Individual Dental Insurance Quotes are available online on a lot of websites. Full Post…

Tags: Dental, Dental Insurance

Sign up now for February’s Risk Management Webinar

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Adam BarungaMarch 3, 2012

The webinar, Effective Project Management Practices as a Key Risk Management Strategy will be Tuesday, February 21, 2012 10:00 AM 11:00 AM PST. . Presented by Bob Rosain, PE, PMP of Bob Rosain & Associates, LLC, this presentation will share what firms can do to minimize business risks through effective project management practices. Specifically this webinar will discuss:

1. The essential elements of a solid Project Management Plan and why, “…planning a project will not guarantee success, but failure to plan will guarantee failure.”
2. Why your project’s scope, schedule and budget are considered a “three-legged stool” and how to manage the big risks associated with project changes.
3. Why effecti

Full Post…

Tags: Risk Management, Webinar

Sponsors of 401(k)s adding features to boost participants investment

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Adam BarungaFebruary 29, 2012

Nearly half (49%) of 401(k) plan sponsors are offering features to automatically increase participants contributions as they seek to improve their employees preparation for retirement, a new Deloitte study finds.

But the majority of plan sponsors (64%) say fewer than one-in-10 participants use the services, according to the poll of executives responsible for their companies 401(k) plans.

Exactly 84% of the executives polled said they expect the majority of their employees not to be ready to retire with their current plans, according to the 11th Annual 401(k) Benchmarking Survey conducted by Deloitte, the International Foundation of Employee Benefit Plans (IFEBP) and the International Society of Certified Employee Benefit Specialists (ISCEBS).

From this survey weve learned that for the past several years Americans have not been saving and investing enough for retirement, said Stacy Sandler, principal of Deloitte Consulting.

Full Post…

Tags: Features, Features Boost

Protect your Family with Cheap Life Insurance

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adminFebruary 24, 2012

Have you ever thought about what would happen to your family if you died? How would they survive? Would your spouse have to take on a second or third job to cover the expenses? If you have never asked yourself these questions then you are unmarried and do not have children. Even then you should still think about your family member, and how your death would affect them financially. To keep this devastation from happening you should consider purchasing a cheap life insurance policy.

Decide

Before talking to a cheap life insurance provider, you should think about the type of insurance protection and how much for. Full Post…

Tags: Cheap Life Insurance

Advantages Of Getting A Car Insurance Policy

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adminFebruary 20, 2012

It is very important to get your car insured as it helps you to stay protected from being liable for your own or someone else’s property. If your own an insurance policy for your car, the can claim for the repairs to the insurance company. And this is because you need to pay premiums for the protection of both you and your car. If you own an insurance policy, No matter, who is at the fault you do not need to pay money from your pocket. The estimated amount for the vehicle will be deduced at that time. In most the places, getting a car insurance policy is compulsory and the policiesof insurance provide you different types of coverage and benefits. S Full Post…

Tags: Car Insurance Policy

Did We Not Mean Enough?

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Adam BarungaFebruary 20, 2012


By the time I was 25 years old, I fully understood the value of life insurance and planning for the unexpected.

My father died suddenly at the age of 44 without life insurance.

I remember leaving college and going home for the funeral. My aunt pulled me aside and told me the family was pooling money together to pay for the expenses. What could I give?

We all did what we could. It was not enough to cushion my family from the financial deficit my dad had left behind.

Although my story is not uncommon, now as a financial services professional with more than two decades in the field, I know it is unnecessary.

When my dad (at right) died, I was still in college.

Full Post…

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