TGS

OCTOBER 3, 2024

TGS Insurance » Blog 10 Factors That Affect Homeowners Insurance Premiums in Florida When it comes to homeowners insurance premiums, several factors come into play, and understanding them can be the key to managing your costs. Let’s dig into the 10 factors that affect homeowners insurance premiums in Florida—and everywhere else, too.

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Frankenmuth Insurance

JULY 25, 2024

Your local, independent agent is here to help you decide. What are the coverage limits and deductibles? What deductible do I have to meet before my coverage kicks in? Can I adjust my deductible down the road? What factors affect my premiums? What specific factors are affecting my premium?

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Paragon Independent Insurance Agencies

JULY 31, 2024

Our knowledgeable agents at Paragon Independent Insurance Agency in Plano, TX, are here to help. The deductible is one of the most important decisions to make when choosing a homeowners policy. We are here to help you fully understand what a home insurance deductible is and which is best for you. Reach out to us today!

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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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Smart Insurance Agents

OCTOBER 14, 2024

Everything You Need to Know About $0 Monthly Premium Medicare Advantage Plans Medicare Advantage plans can offer a zero monthly premium due to how they are funded by the federal government. Private insurers receive subsidies to manage Medicare benefits, allowing them to reduce or eliminate premiums for beneficiaries.

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Boyle Agency Insurance

APRIL 27, 2024

Determinants Of Homeowners Insurance Premiums Certain factors have an effect on your homeowners insurance premium. When pursuing lower premiums in Homeowners Insurance, eliminating or reducing these considerations is essential. Below we offer some factors that may affect NJ Homeowners Insurance premiums.

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Freeway Insurance

DECEMBER 9, 2024

It also created tax credit programs to help lower-income individuals pay less for their premiums. Youll get a chance to view the benefits and stipulations of each plan, including deductibles, out-of-pocket limits, and monthly premiums. First, check and see if you qualify for the Premium Tax Credit.

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Healthinsurance.org

OCTOBER 16, 2024

State-funded health insurance subsidies change in several states In addition to the ACA’s federal premium subsidies and cost-sharing reductions, several states offer additional state-funded subsidies that further offset enrollees’ premiums, out-of-pocket costs, or both. 4 For 2025, the program is expanding.

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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. FIA Accumulation Highlights : Review premium requirements, fixed rates, withdrawals and more! Download Current Annuity Rates Now!

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Smart Insurance Agents

OCTOBER 13, 2024

Our editorial team at Smart Insurance Agents uses a data-driven methodology to evaluate insurance companies, ensuring that all companies are measured equally. Look for details like the annual deductible. It’s important to understand coverage limits, deductibles , and any waiting periods for special procedures.

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PSM Brokerage

SEPTEMBER 18, 2024

10 common Medicare misconceptions every agent should clarify for their clients: Medicare is Free Many people think Medicare is free, but most parts require premiums, deductibles, and co-payments, particularly for Part B and Part D. Newest Blog Posts | All Blog Posts For agent use only.

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Majesco

MARCH 27, 2025

When she recently realized that her premiums for both vehicles were nearly identical (and they had both gone up), she called her insurance agent. The agent suggested a telematics-based insurance product for the convertible to optimize pricing. The potential premium savings are worth the data sharing.

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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

AUGUST 20, 2024

Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. One major consequence of filing small insurance claims is the potential for increased insurance premiums. Additionally, small claims often require you to pay a deductible.

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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. Compare how different deductible levels affect your premiums by requesting quotes from your insurer.

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PSM Brokerage

AUGUST 12, 2024

Understanding the Annual Notice of Coverage (ANOC) Letters: A Guide for Insurance Agents As an insurance agent, it’s crucial to stay informed about the Annual Notice of Coverage (ANOC) letters that your Medicare clients receive each year.

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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. A lot of factors go into calculating your home insurance premium. Deductibles 8. Total Premium 11. What Makes Your Homeowners Insurance Quote High? Insurance Company 2.

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TGS

OCTOBER 30, 2024

Don’t Chase the Cheapest Premium—Focus on Coverage We’ve all been there: drawn to the lowest price, only to realize it wasn’t quite the bargain we thought. Sure, the premium—the amount you pay for the policy—matters. What’s more important is what that premium gets you. That could shave a nice chunk off your premium.

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American Agents Alliance

FEBRUARY 7, 2025

Social inflation and E&O risks are connected as agents must manage policyholder expectations even as claims costs rise, premiums remain high, and denials are issued for claims policyholders expected to be covered. Agents should be experts in their venues, becoming knowledgeable about recent trials and jury awards.

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Smart Insurance Agents

AUGUST 29, 2024

The primary types include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), Point of Service (POS), and High-Deductible Health Plans (HDHP). HDHPs feature high deductibles but lower premiums, making them suitable for pairing with health savings accounts (HSAs).

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Word & Brown

FEBRUARY 18, 2025

Lets look at how an agent/GA relationship works and how a GA can work on your behalf in dealing with carriers and plan administrators. automated deductible and Rx updates (so you know when they apply before benefits kick in). But you are still able to remain independent and operate on your own. customizable quote output options.

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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. This includes copayments, coinsurance, and deductibles. Medigap plans help you with costs that Original Medicare does not cover, like copayments, coinsurance, and deductibles.

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Smart Insurance Agents

DECEMBER 9, 2024

Affordable Premiums: Short Term Health Insurance Plans typically offer more affordable premiums compared to long-term health insurance plans. Cost: Evaluate the premiums, deductibles, copayments, and out-of-pocket maximums associated with each plan. Determine the affordability and value for the coverage provided.

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Shield Insurance Agency

APRIL 19, 2024

This coverage pays for damages to your vehicle regardless of fault, meaning that even if you are at fault for the accident, your insurance will cover the repair costs up to the actual cash value of your vehicle, minus your deductible. The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in.

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Jackson & Jackson

MAY 23, 2024

As a result, insurance premiums tend to be higher in California compared to other states. Understanding the unique challenges of the California insurance market not only empowers you but also helps you navigate the process more effectively and save money on your premiums.

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Smart Insurance Agents

AUGUST 19, 2024

When selecting a dental plan, it is crucial to compare annual coverage limits, costs, deductibles, and waiting periods to ensure adequate coverage for both preventive and major dental services. If you’re considering dental implants, most plans that cover this service will do so at a rate of about 50 percent, provided that deductibles are met.

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TGS

NOVEMBER 15, 2024

For example, if your second car is a brand-new SUV, you may want to opt for comprehensive coverage with lower deductibles. If you’re adding a second car to insurance and both vehicles meet the insurer’s criteria, you could end up with a nice reduction in your overall premium. Here are a few potential challenges to keep in mind.

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Smart Insurance Agents

AUGUST 19, 2024

Medigap helps with out-of-pocket costs like deductibles, copays, and coinsurance, providing clearer financial protection. However, the premium costs can vary between different insurers. Each Medicare Supplement insurance plan can vary in premiums and coverage, so it’s a good idea to compare these options closely.

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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

Some plans also help with bigger dental work, like dentures or implants, but these might cost more in premiums. It’s a good idea to use the online resources from Medicare or talk to a licensed insurance agent. However, you will usually pay separate premiums for these plans. They can help you compare plans before you sign up.

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TGS

DECEMBER 13, 2024

Factors that influence your premium include: Value of the Jewelry : Higher-value items cost more to insure. Coverage Options : Comprehensive policies with fewer exclusions often have slightly higher premiums. Look for features like worldwide coverage, zero deductibles, or flexible replacement options.

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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. Claims assistance When it comes to claims, brokers are invaluable.

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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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Word & Brown

SEPTEMBER 30, 2024

It’s key to review and compare options by carrier, not just premium. 5: Discuss Cost Savings: Explain to your clients how they can save on Dental care, and how adding coverage for major services will affect their plan premium. Another tip that can help you is to partner with the right General Agent (GA).

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TGS

SEPTEMBER 6, 2023

However, for many home renovation projects, you will need to inform your insurance agent. In order to make sure you have the right continuous coverage, always consult your insurance agent! Contact your insurance agent to review your medical payments and liability coverage limits before you get started. New Home Value?

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Maritime Insurance International

MARCH 3, 2020

This is an important consideration that will have an impact on your premium cost. It deducts a certain amount of money from the vessel’s original value to account for depreciation. The premium for an Actual Cash Value policy is lower than the premium for a comparable Agreed Value policy. What Does Boat Insurance Cost?

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Smart Insurance Agents

AUGUST 28, 2024

Beneficiaries should consider monthly premiums, provider networks, and prescription drug formularies when selecting a Medicare Advantage plan, with resources like Medicare.gov available for assistance. Some of these plans come with $0 monthly premiums, making them an attractive option for cost-conscious beneficiaries.

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