Archive for the ‘Life Insurance’ Category

Putting Our Medicare Supplement Insurance Expertise to Work

I recently attended the only industry conference available that is focused on Medicare Supplement insurance, or Medigap as it’s commonly called in the industry. The meeting – the Medicare Supp…. Continue reading Putting Our Medicare Supplement Insurance Expertise to Work



El papel crucial del reaseguro en Solvencia II

Ningún asegurador en Europa puede evadirse de la presión del proyecto de Solvencia II. Una directiva europea pretende garantizar que las compañias aseguradoras dispongan de ca…. Continue reading El papel crucial del reaseguro en Solvencia II



Schadensersatz für die Opfer der Pariser Terroranschläge

Die schweren Terroranschläge in Paris haben ganz Frankreich erschüttert. Bei einem kaltblütigen Angriff auf die Redaktion des französischen Satiremagazins „Charlie Hebdo&ld…. Continue reading Schadensersatz für die Opfer der Pariser Terroranschläge



Straw Bale Buildings – Do They Represent an Increased Exposure?

Houses made of straw have been offered for sale on the open market in the UK for the first time.1 Using a timber framework with wooden board walls that are insulated with straw bales, the buildings …. Continue reading Straw Bale Buildings – Do They Represent an Increased Exposure?



Avocational Pilots and the Paradox of Technology

The good news is that enhanced technologies of “glass cockpits” have vastly improved the efficiencies and safety record of professional pilots in commercial aviation over the last 10 yea…. Continue reading Avocational Pilots and the Paradox of Technology



Unlocking the Value of Inforce Life Insurance Policies

Premium financing and cash value based lending are valuable tools for individuals who wish to maximize the productivity of their life insurance assets. By understanding these tools, you can provide tremendous value to your existing clients and open the door to new relationships. We’ve dug deep into the “First Files” to provide insight into the […]



Medical Marijuana: A Growing Issue for Workers’ Comp?

Will medical marijuana ever be part of an approved standard treatment plan for injured workers? Many Workers’ Compensation industry experts believe that medical marijuana is a non-issue. Their reaso…. Continue reading Medical Marijuana: A Growing Issue for Workers’ Comp?



Asthma – Cause and Effect

Asthma affects around 300 million people worldwide, making it one of the most common chronic lung diseases. Because asthma is largely a disease of polluted cities, the projected 60% growth in the ur…. Continue reading Asthma – Cause and Effect



Medigap & H.R. 2 – Evolution, Not Revolution

A few weeks ago I was paging through a number of insurance industry and agent trade publications when I came across a headline that went something like this: “Medigap Insurers to Take Big Hit …. Continue reading Medigap & H.R. 2 – Evolution, Not Revolution



Insurers on Wildfire Watch in 2015

Wildfires will continue to be a burning issue in many parts of the U.S. in 2015 as wildfire season fast approaches. Despite record drought conditions during much of the past two years, 2013 and 2014…. Continue reading Insurers on Wildfire Watch in 2015



“Where should I put my money?” – Consider an attractive but overlooked alternative

The question is common and insurance agents and financial advisers hear it often, “Where should I put my money to get the most benefit for me and my family?” Often, the answers are also common. From stocks and bonds to annuities and CDs, and each has positive and negative aspects and may or may not […]



PPACA Helps Drive Medicare Trends Down – Is This Good News for Medigap?

Medicare Supplement, also known as Medigap, is exempt from the regulations established by the Patient Protection and Affordable Care Act (PPACA). However, PPACA does include reforms to the Medicare …. Continue reading PPACA Helps Drive Medicare Trends Down – Is This Good News for Medigap?



Life Insurance Underwriting Cheat Sheets

Want to know how all of the top life insurers stack up when it comes to underwriting aviation, bankruptcy, blood pressure, cholesterol, driving history, family history, marijuana usage, NT Pro BNP testing, and tobacco usage? Check out our new life insurance underwriting cheat sheets, which show you how all of our top insurance companies underwrite […]



Big Changes Are Coming to Auto Insurance – All Signs Point One Way (Part One)

PropertyCasualty360 attributes an increase in recent claims frequency to: – Stronger employment – Cheaper gas – Poor driving conditions during the severe winter weather of 2015 …. Continue reading Big Changes Are Coming to Auto Insurance – All Signs Point One Way (Part One)



Family History Underwriting Guidelines

FAMILY HISTORY UNDERWRITING GUIDELINES Carrier Risk Class Definition Age at which Family History is Ignored Accordia (Perm – Up to age 65) Premier No CAD or cancer HX prior to age 65 (Parents and Siblings) Over age 65 Accordia (Perm – Over age 65) Family History ignored Accordia (Perm – Up to age 65) Preferred […]