PSM Brokerage

NOVEMBER 26, 2024

Open Enrollment is the Super Bowl of ACA sales—a high-stakes, fast-paced period where agents have a golden opportunity to grow their business. Whether you’re a seasoned agent or new to the ACA market, these proven strategies can help you stand out, close more sales, and make the most of Open Enrollment.

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PSM Brokerage

JANUARY 7, 2025

Are you considering a rewarding career as a Medicare insurance agent? This comprehensive guide will walk you through everything you need to know to become a licensed Medicare insurance agent, from meeting licensing requirements to growing your business in the senior insurance market. Why Become a Medicare Insurance Agent?

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Smart Insurance Agents

OCTOBER 13, 2024

But “no waiting period” dental insurance policies let you use certain dental services right away, starting from the first day of your policy. Understanding dental insurance policies without waiting periods can help you make an informed decision when choosing the right plan for your dental needs.

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Redbird Agents

JULY 12, 2024

Presenting hospital indemnity with every Medical insurance sale is a choice every agent has and most choose not to. Why do agents fall short cross selling hospital indemnity? Most agents are scared to offer this and when you educate your prospects, you will instantly differentiate yourself and strengthen the customer experience.

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Frankenmuth Insurance

SEPTEMBER 26, 2024

Now that you know the reasons why car insurance rates are increasing, we invite you to talk to us about your auto policy and potential savings via discounts, pay frequency, and higher deductibles. Our local, independent agents are true partners and will walk you through the industry changes and any questions you have.

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Redbird Agents

JUNE 14, 2024

Getting a client to understand the role of annuities in their overall plan is just as hard for a fixed agent as it is for the registered rep. Life insurance agents that are new to selling annuities. There are 3 common types of annuities that life insurance agents sell. Sounds simple, but you would be surprised.

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TGS

OCTOBER 3, 2023

This proposed estimate can change in price as your agent works to refine your quote so that it’s curated to suit your unique coverage needs. To feel confident in your policy before you sign, make sure you understand how to read a homeowners insurance quote. You only pay when purchasing the policy. Policy Number 3.

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TGS

OCTOBER 30, 2024

TGS Insurance » Blog 5 Must-Know Tips for Comparing Home Insurance Quotes Choosing the right home insurance policy can sometimes feel like trying to find the perfect coffee order—it’s a delicate balance between what you need and what works best for your wallet. Sure, the premium—the amount you pay for the policy—matters. That’s right.

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Leadsurance

NOVEMBER 19, 2024

Just remember, when comparing apples with apples in terms of the level of coverage as well as deductibles, make sure you are actually doing so compared with other quotes. Up Your Deductive Your deductible is the cash amount you agree to pay when making a claim, whereas the insurance only kicks in thereafter.

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Distinguished

DECEMBER 2, 2024

Public art insurance is a specialized insurance policy designed to provide coverage to all artwork or valuable collectibles owned or loaned to a public institution.  For instance, a city could take out a public art insurance policy that would cover any artwork, historical artifacts, or even outdoor sculptures owned by that city.

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Jackson & Jackson

APRIL 29, 2024

Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums. Strategy: Assess your financial ability to handle a higher deductible without jeopardizing your operations. Strategy: Assess your financial ability to handle a higher deductible without jeopardizing your operations.

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American Agents Alliance

AUGUST 22, 2024

For insurance agents, it is critical to understand the implications of these new requirements and proactively communicate with clients as the changes approach. The most immediate impact will be an increase in premiums for drivers currently holding minimum coverage policies. What Should Be Top of Mind for Agents?

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Shield Insurance Agency

APRIL 19, 2024

Among these requirements, collision coverage is a significant aspect that drivers should understand in order to make informed decisions about their insurance policies. The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in.

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Smart Insurance Agents

AUGUST 29, 2024

Unlike individual plans, which cover individuals and their families, small business health insurance covers a group of employees under a single policy, typically offering more comprehensive and affordable options. HDHPs feature high deductibles but lower premiums, making them suitable for pairing with health savings accounts (HSAs).

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Distinguished

SEPTEMBER 17, 2024

What are some of the key factors you consider when determining appropriate coverage limits and deductibles? If we are comfortable with our exposure, we may consider increasing the AOP deductible and the theft deductible , depending on the underwriting analysis. So specific to limits, I just mentioned security.

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Smart Insurance Agents

AUGUST 19, 2024

Key Highlights Comparing Medicare Supplement Plans Insurance, or Medigap, helps cover costs that Original Medicare doesn’t, like copays and deductibles. Here is where Medicare Supplement Insurance, also known as Medigap policies, is helpful. This includes copayments, coinsurance, and deductibles.

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Shield Insurance Agency

AUGUST 20, 2024

Many policyholders may be tempted to file a claim for every little incident in the belief that their insurance policy will cover all damages. Loss of Discounts: Deductibles Frequent claim filing can also lead to the loss of discounts you may have earned, such as claims-free discounts.

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Jackson & Jackson

MAY 23, 2024

For example, businesses in California’s earthquake-prone areas may consider adding earthquake insurance to their policy to protect their property from potential damage. Once you have a clear understanding of your risks, you can seek out insurance policies that provide the necessary coverage while avoiding unnecessary expenses.

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Healthinsurance.org

OCTOBER 16, 2024

For 2025, there are some changes to these subsidies: California : A state program that debuted in 2024 eliminated deductibles and other out-of-pocket costs for applicants with household incomes up to 250% of the federal poverty level (FPL). Covered California Policy and Action Items ” Covered California Board Meeting. Accessed Sep.

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TGS

NOVEMBER 15, 2024

TGS Insurance » Blog Adding a Second Car to Insurance: What to Know Before You Drive Off Whether your family is growing, or you’re just tired of sharing one set of wheels, adding a second car to your insurance policy can bring about both benefits and a few challenges. Why Add a Second Car to an Existing Insurance Policy?

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TGS

DECEMBER 13, 2024

While standard homeowners insurance or renters insurance may offer limited protection for personal belongings, these policies often fall short when it comes to high-value items like jewelry. Theft : If your valuables are stolen, whether from your home or while traveling, a good policy ensures youre not left empty-handed.

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TGS

OCTOBER 3, 2024

Deductible Amount Your deductible is the amount you pay out of pocket before your insurance kicks in. Opting for a higher deductible can lower your monthly premium. However, it’s a bit of a balancing act—you don’t want to choose a deductible so high that it’s a financial strain if you ever need to file a claim.

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Jackson & Jackson

APRIL 28, 2024

Ensure your policy covers replacement costs rather than actual cash value, as this accounts for the depreciation of your assets. Mistake 2: Overlooking Additional Necessary Coverages Standard property insurance policies do not cover everything. How to Avoid It: Shop around and compare policies based on price and coverage.

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Smart Insurance Agents

AUGUST 31, 2024

Both medical and dental insurance are often discussed in relation to coverage for wisdom teeth extraction, making it crucial to understand the specifics of your policy. To determine if your wisdom teeth removal is covered, you should review your insurance policy and consult with your insurance provider or dental professional.

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American Agents Alliance

SEPTEMBER 4, 2024

Everyone hopes they won’t need the policy but will be relieved they have one if the need arises, making it possible for them to return to their homes and sustain their lifestyle during the rebuilding process. Quality Coverage: GeoVera’s policies protect homeowners from the financial impact of seismic events, while providing peace of mind.

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Smart Insurance Agents

OCTOBER 16, 2024

Unlike agents tied to one insurer, brokers work with multiple companies to give you unbiased options. Unlike agents who represent a single insurance company, brokers work with multiple insurers, offering a broader array of options to their clients. In summary, health insurance brokers are indispensable in the health insurance market.

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Distinguished

JULY 22, 2024

Unfortunately, these unique risks are rarely appropriately covered by standard homeowner insurance policies. Avid collectors who rely on their homeowner’s policy are likely to encounter low coverage limits — if their collectibles are covered at all. For most, this will mean a collectibles policy.

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InsuredMine

DECEMBER 6, 2024

In the past, these notifications were sent solely to the email address of the agent who logged in to sign documents. This change ensures that all relevant parties, whether they are agents, clients, or other stakeholders, are kept informed about the status of important documents. Setting up this integration is straightforward.

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Peter J. Fournier

JULY 30, 2021

Many agents are attracted to selling Medicare plans. The most obvious is that Life Insurance policies will generate more commission. Most agents are attracted to Medicare because of how easy it is to sell. This comes down to the lack of a relationship most agents have with their clients. But there is more to it than that.

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Distinguished

DECEMBER 16, 2024

Unlike competitors retreating from the market due to aggregation risks, our Fine Art and Collectibles insurance program brings fresh capacity and a willingness to underwrite policies tailored to Californias unique challenges. Many carriers encourage clients to insure their collections with specific Fine Art and Collectibles policies.

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Smart Insurance Agents

DECEMBER 9, 2024

Cost: Evaluate the premiums, deductibles, copayments, and out-of-pocket maximums associated with each plan. Before purchasing a short-term health insurance plan, carefully review the policy documents, including the terms, conditions, limitations, and exclusions. Determine the affordability and value for the coverage provided.

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Boyle Agency Insurance

APRIL 27, 2024

Common Factors That Affect Homeowners Insurance Cost Some factors that determine the premium on your Homeowners Insurance are: Deductible – This is the amount of money you pay on a claim before the policy coverage takes over. Deductibles are meant to induce homeowners to take good care of the condition of their property.

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Bankers Insurance

MAY 16, 2024

These policies can provide critical financial security as homeowners seek to protect their fiscal stability and property. As insurance companies leave certain markets or refuse to issue policies to certain properties, homeowners may be forced to seek more expensive options, such as state-supported insurers. Reduce liability risks.

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Maritime Insurance International

MARCH 3, 2020

A boat insurance policy could offer you coverage for the following: Property Damage. Does My Homeowner’s Policy Cover My Boat? There may also be size and horsepower restrictions on the watercraft covered under your homeowner’s policy. Boating Risks: The Need for Coverage There are many risks associated with owning a boat.

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Freeway Insurance

DECEMBER 9, 2024

There arent company-provided options for Uber health insurance, DoorDash health insurance, or Lyft health insurance, so if you drive for one of these third-party platforms, youll still need to provide your own policy. High-deductible plans often allow you to set up a tax-deferred Health Savings Account you can use to fund healthcare expenses.

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TGS

NOVEMBER 7, 2024

It’s simple yet powerful: it’s an agreement between you and your insurance provider on the precise value of your car at the start of the policy. You and your insurer agree upfront on your car’s value, eliminating the back-and-forth that can happen with other policies. Imagine you own a rare classic car or a custom-built vehicle.

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TGS

NOVEMBER 7, 2024

It’s simple yet powerful: it’s an agreement between you and your insurance provider on the precise value of your car at the start of the policy. You and your insurer agree upfront on your car’s value, eliminating the back-and-forth that can happen with other policies. Imagine you own a rare classic car or a custom-built vehicle.

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