How to Buy a Used Car in an Age of Widespread Recalls
For people in the market for a used car, the “certified pre-owned” designation has long been the gold standard, an indication that a qualified mechan…
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Why Health Insurance Rates are on the Rise and 10 Ways You Can Save
Whether you get your health insurance through the Affordable Care Act (ACA) or from an employer, expect to pay more for your coverage in 2017. Expert…
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What the Aetna-Humana and Anthem-Cigna Mergers Mean for the Future of American Health Insurance
On July 21, 2016, the Department of Justice sued to block two mergers between four of America’s biggest health insurance companies. Anthem had propos…
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2017 Obamacare Open Enrollment: Important Dates and Deadlines
It’s hard to believe, but open enrollment is here again. What exactly is open enrollment? If you’re one of the millions of Americans participating in…
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Car Insurance Price Shoppers: Do You Really Save 15%?
On a Yahoo Group I belong to, someone posted about a startup called Bought by Many where prospective insureds can be grouped to buy insurance, includ…
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HO “Matching” Problems and the Pair or Set Clause
I subscribe to a blog from a plaintiff’s attorney. I don’t always agree with the posts, but I find them to be interesting and generally fair. An exce…
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Is CGL FDLL Coverage Worthless?
The ISO CGL policy optionally includes coverage and a sublimit for fire damage legal liability (FDLL). It covers the insured’s legal liability for fi…
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The Danger of Auto Policy Lay-Up Endorsements
This is the time of year when northern “snowbirds” winter in their southern abodes. As a result, they may want to temporarily discontinue all or some…
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8 Home Improvement Upgrades That Really Pay Off
You may want to upgrade your home to make the space more livable for you and your family, but it doesn’t hurt to know whether you’ll be able to recou…
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Multigenerational Housing: Two or Three Generations Under One Roof
Farrah Cervantes had planned for her mother, Christina Lim, to move in with her, her husband Vincent and their two kids, ages 10 and 8. But, would th…
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Understanding Slip And Fall Accidents
You have sustained an injury in a slip and fall accident away from your own property. Who is liable for your medical costs? Are you liable, is the pr…
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Accountable Care Organizations 101
Accountable Care Organizations (ACOs) were born out of the Affordable Care Act (or Obamacare, if you prefer) as an attempt to lower costs and improve…
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Comprehensive Loss Underwriting Exchange 101
If you are purchasing or selling a home, a mortgage broker may suggest that you get a CLUE. That’s not an insult; rather, it’s a reference to a repor…
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Obamacare Repeal Is Officially Set in Motion
The House voted Friday to move forward on a measure that would repeal portions of President Barack Obama’s health care law, the Affordable Care Act. …
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Better Because of Obamacare
At a town hall meeting last week, Jeff Jeans, a Republican small business owner who had worked on the campaigns of Ronald Reagan and George H.W. Bush…
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Tax Implications of the Trump Administration
Dave Du Val, chief customer advocacy officer at TaxAudit.com in Sacramento, California, jokes that trying to understand tax code is like playing a ga…
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6 Ways You're Wealthier Than You Realize
It isn’t difficult to feel as if your finances are falling apart this time of year. You may have overspent on holiday gifts, and this is a period of …
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How to Prepare for a Job Loss
No one knows what will happen in the new year, but with a new president promising to bring different economic policies it may pay to prepare for the …
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Podcast: 5 Wise Insurance Moves to Kick Off the New Year
If your homeowners and auto coverage aren’t through the same company, check to see if you’ll score a lower premium by coupling your coverage to a sin…
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How to Save Money on Toys for Your Kids
Don’t waste money. If you’re like many parents, you may just grin and bear it while forking over a hundred or more dollars for the latest, greatest t…
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Thinking of Having Kids? 4 Ways Your Expenses Can Skyrocket
As you’ve been told over and over, once your bundle of joy arrives, there will be some crying in the middle of the night. But try to keep the sobbing…
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How to Get a Great Deal on a Car Lease
Leasing has spread beyond luxury brands and their affluent buyers to deals involving family sedans and crossovers, compacts, and even pickups. That r…
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Electrics, Hybrids and Gas-Sippers: Understanding Your Green Driving Options
Gas prices are at an eight-year low, but American drivers have not lost their zeal for more fuel-efficient vehicles. According to a recent Consumer R…
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Industry “Disrupters” and Fish
I participate in a Yahoo! Group called “RiskList.” This email discussion group consists of insurance and risk management professionals from around th…
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40 Hours and I’m an Insurance Agent
I participate in a Yahoo! Group called “RiskList.” This email discussion group consists of insurance and risk management professionals from around th…
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Personal Lines Commission Reductions – Part 2 of 2
Last December I heard about personal lines commission reductions from two carriers from agents who were concerned and inquiring about what they could…
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Personal Lines Commission Reductions – Part 1 of 2
Last December I heard about personal lines commission reductions from two carriers from agents who were concerned and inquiring about what they could…
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What Happens to Your Auto Insurance if You Get a Speeding Ticket?
Have you ever been late for an appointment where speeding seemed like a good idea? Or, perhaps you’re one of those drivers who has a lead foot and ro…
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Tracking Gadgets: How Plug-In Devices Affect Your Auto Insurance Rates
We’d all like to save a little bit on our auto insurance rates. Some savings, however, come with an interesting trade-off. Certain things like safety…
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Are you driving this year’s top utility vehicle?
The Chrysler Pacifica has been named the 2017 North American Utility of the Year. The prestigious award is given each year by an independent group of…
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5 tips to drive safe in bad weather
Prepare for bad weather When bad weather hits, most folks would prefer to stay at home. Obviously, this isn’t always an option. The folks at Rain-X, …
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U.S. roads keep getting more dangerous
The crisis on U.S. roads shows no sign of letting up. New government estimates project that for the second straight year, the United States will see …
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Ford Mustang hybrid promises V8 power
One of America’s most cherished muscle cars is going electric — the Ford Mustang. Ford announced plans Tuesday to make a hybrid version of the Mustan…
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Are Riding Lawn Mowers Covered by Homeowners Policies?
Are riding lawn mowers covered by homeowners policies? This is a pretty broad question. For the purpose of this post, I’m talking about homeowners (H…
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Myth: Only Comprehensive Coverage Covers Hitting a Deer
Something that gives me great consternation is the perpetuation of insurance myths. One such myth is that hitting a deer in a motor vehicle is ONLY c…
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What Does “RTFP” Mean?
The single most frustrating coverage question I get goes something like, “Does a(n) XXX policy cover….” Where “XXX” can mean “auto,” “homeowners,” “C…
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7 Tips for Getting the Lowest Car Insurance Quotes
No one wants to pay more than necessary for their auto insurance. If you’re trying to be budget-conscious, you know that finding ways to save in all …
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DePaolo's World: Capitate It
DePaolo's World: Capitate It : Workers' compensation medicine is often critiqued against general health medicine, the implication that genera…
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Health Insurance and Senior Citizens
Seniors have more options when it comes to obtaining health insurance than any other segment of the population. Here’s some information about, and ex…
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Long-Term Care Insurance Basics
Long-term care is expensive, and this type of insurance can help you pay for some or all of the services provided by long–term care. Statistics sugge…
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The Best Affordable Health Insurance for College Students
If you are, or are going to be a college student, you have many options when it comes to getting health insurance coverage while keeping costs low. Y…
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Which Type of Health Insurance Plan is Right for You?
Looking for health insurance but don’t know an indemnity plan from a Preferred Provider Organization? We’ve got you covered. Trying to wrap your head…
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Long-Term Care Insurance FAQ
Don’t buy long-term care insurance until you read these answers to the most frequently asked questions about long-term care insurance. Combine the fa…
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11 Questions That Will Help You Pick the Right Health Insurance Plan
Not sure how to choose a health insurance plan that’s right for you? We can help. Although the window–also known as the open enrollment period–during…
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10 Common Health Insurance Mistakes
Learn how to avoid 10 common but costly mistakes people often make while shopping for health insurance coverage. Buying health insurance is a confusi…
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Health Insurance Rate Factors
Health insurance premiums can be quite different from person to person, even for identical plans. Find out why, and how you might be able to lower yo…
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COBRA Insurance: What You Need to Know
Important facts and information about COBRA health insurance: How much it costs, who can get it, what’s covered, and how long you can keep it. You mi…
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Everything You Need to Know to Apply for Health Insurance
Looking to enroll in a new individual or family health insurance plan? Don’t submit an application for health insurance until you read this! The pass…
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Medicare Supplement Open Enrollment Tips and Advice
Signing up for Medicare Supplement insurance can be tricky. Read our helpful guide to make the process easier. Unlike other forms of insurance, healt…
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Medigap/Medicare Supplement Insurance Policy FAQ
Here is what you need to know before you buy, switch, or stop paying for a Medicare supplement (MedSup) insurance plan. As anyone who has made use of…
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Top 6 Reasons You Need Renters Insurance in California
If you’re a renter without insurance, you’re taking a big risk. You’re also part of a large group that wrongly assumes their landlord’s policy gives …
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