Distinguished

APRIL 21, 2025

For brokers and agents, understanding landlord insurance in Chicago is crucial for helping clients safeguard their investments while expanding business opportunities. Without specialized landlord insurance, property owners may find themselves covering substantial repair costs, legal settlements, and lost income out of pocket.

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TGS

MARCH 4, 2025

Lapsed Policies: Others let their coverage lapse unintentionally due to missed payments or forgetting to renew. TGS Insurance Blog Driving without insurance in Florida might seem like a way to save a few bucks, but the consequences can be far more costly than youd expect. Why Do People Risk Driving Without Insurance in Florida?

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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? Why do agents fall short cross selling hospital indemnity? If it doesn’t, it’s because you don’t want to cross sell and make more money!

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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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TGS

SEPTEMBER 6, 2023

When taking on new home renovations, your homeowners insurance policy might not be the first thing on your mind. 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!

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Insurance Policy Policy Home Insurance Personal Property 52

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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Freeway Insurance

DECEMBER 24, 2024

Once you purchase your first house and set up a homeowners insurance policy , you may think that your insurance needs will be taken care of for as long as you own the house. However, reviewing your home insurance policy on a regular basis is essential if you want to fully protect your property.

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Freeway Insurance

DECEMBER 9, 2024

Figuring out independent contractor health insurance is one of the very first steps you should take when becoming an entrepreneur. Exploring Coverage Options Under the ACA If youre self-employed, you can search the state healthcare marketplace, Covered California , to browse all available options for standard policies.

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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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Smart Insurance Agents

DECEMBER 9, 2024

Ensure that your preferred healthcare providers are within the plan’s network to maximize convenience and minimize out-of-pocket costs. Cost: Evaluate the premiums, deductibles, copayments, and out-of-pocket maximums associated with each plan. Eligible DACA recipients can receive financial help if they qualify.

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Smart Insurance Agents

SEPTEMBER 3, 2024

This dual coverage can provide a broader range of medical services and reduce out-of-pocket costs. Coordination of benefits between Medicaid and private insurance maximizes healthcare coverage and minimizes out-of-pocket expenses, with Medicaid typically serving as a secondary payer.

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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. A home insurance deductible is the money you must pay out of pocket when filing a claim before your insurance kicks in.

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Paragon Independent Insurance Agencies

SEPTEMBER 30, 2024

Begin by conducting a comprehensive home assessment, then select residential coverage to include in your insurance policy. This coverage will cover the cost of repairing your tiny home and reimburse any out-of-pocket expenses you incur as the primary owner. An agent can discuss various add-ons that your tiny home qualifies for.

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TGS

OCTOBER 28, 2024

Simply put, a deductible is the amount you agree to pay out of pocket before your insurance kicks in after a claim. It’s a bit of a balancing act: on one hand, a higher deductible can lower your monthly premiums, but on the other hand, it means you’ll pay more out of pocket in the event of an accident.

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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. If the cost of repairs is just a little over your deductible amount, it may be more financially sound to pay for the repairs out of pocket.

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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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PSM Brokerage

JANUARY 8, 2025

Implications for Seniors and Medicare Agents The Social Security Fairness Act (H.R. Understanding this legislation is crucial for seniors and insurance agents serving the Medicare market, as its implications could influence financial planning and access to healthcare. 82 positions agents as trusted advisors.

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Jackson & Jackson

APRIL 28, 2024

However, in the event of a claim, this can lead to substantial out-of-pocket expenses due to insufficient coverage limits. Ensure your policy covers replacement costs rather than actual cash value, as this accounts for the depreciation of your assets. How to Avoid It: Shop around and compare policies based on price and coverage.

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Word & Brown

SEPTEMBER 13, 2024

That includes understanding what plans offer the lowest and highest out-of-pocket costs, including deductible, copays, and coinsurance. Staying in network will be important to minimizing your clients’ out-of-pocket costs. Below are a few ideas. Claims processes vary by plan type and carrier or administrator.

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Smart Insurance Agents

SEPTEMBER 17, 2024

Most insurance providers classify OB-GYNs as specialists, which can influence your coverage and out-of-pocket costs. Insurance companies categorize OB-GYN services differently from primary care, leading to higher reimbursement rates, co-pays, and potential out-of-pocket costs for patients visiting specialists.

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Smart Insurance Agents

AUGUST 19, 2024

It’s important to compare Medicare Supplement plans to understand coverage, out-of-pocket costs, and how individual plans vary by insurance company and state regulations. Here is where Medicare Supplement Insurance, also known as Medigap policies, is helpful. Introduction Navigating Medicare can be confusing.

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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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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. What is a medical health insurance broker?

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Bankers Insurance

AUGUST 8, 2024

Specifically, they may lack sufficient coverage following property losses, forcing them to pay out-of-pocket expenses to fully rebuild. Depending on the severity of property losses and rebuilding operations, these out-of-pocket costs could lead to major financial setbacks or even bankruptcy. inflation).

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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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Jackson & Jackson

APRIL 10, 2024

Make sure to understand the specific perils covered by your policy, as not all natural disasters might be included. Ensure that your property is accurately assessed to avoid being underinsured, which can lead to significant out-of-pocket expenses, or overinsured, which can unnecessarily increase your premiums.

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Jackson & Jackson

APRIL 29, 2024

This means you will pay more out of pocket in case of a claim, but your monthly or annual insurance costs will be lower. Bundle Your Policies If you own multiple properties or require various types of insurance, bundling these into one policy with a single insurer can lead to discounts.

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American Agents Alliance

OCTOBER 24, 2024

The lawsuit, filed in Alameda County Superior Court, argues that the FAIR Plan’s handling of smoke claims falls short of the legal standards for fire insurance policies mandated by state law. In reality, the plaintiffs argue, the changes resulted in more denied claims and less protection for homeowners.

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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. WHAT HAPPENED IN 2023?

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Smart Insurance Agents

AUGUST 28, 2024

These plans often feature extensive benefits and low out-of-pocket costs, making them a top choice for beneficiaries looking for the best possible coverage. This guide outlines the top-rated options, key benefits, and essential considerations to help you make an informed choice. This option is offered by private insurance companies.

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Smart Insurance Agents

AUGUST 19, 2024

We will look at what you need to qualify for coverage, possible out-of-pocket costs, and tips for Medicare beneficiaries to keep their expenses in check. While Medicare generally doesn’t cover weight-loss drugs, potential changes are being discussed due to rising obesity rates. Ozempic is made by Novo Nordisk.

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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. Through HealthCare.gov, business owners can explore various health insurance choices tailored to their specific needs.

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Property Insurance Centre

SEPTEMBER 25, 2024

See what is not covered in terms of events/damage for your policy and think about getting flood insurance or accidental damage insurance if desired. Accidental damage is not usually covered by a normal building insurance policy. – Failure to read particular policy documents. – Not considering inflation.

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Smart Insurance Agents

SEPTEMBER 1, 2024

Key Takeaways Health insurance typically covers emergency services out-of-state, but routine care may not be included; it’s essential to verify coverage details with your insurer before traveling. Health Insurance Coverage for Out-of-State Travel When traveling out of state, it’s important to grasp your health insurance coverage.

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TGS

OCTOBER 3, 2024

So, not only do these add-ons keep you safe, but they can also keep more money in your pocket. Deductible Amount Your deductible is the amount you pay out of pocket before your insurance kicks in. While you might think it’s all about the size or value of your home, there’s a lot more at work beneath the surface.

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Triple-I: Homeowners Insurance

DECEMBER 3, 2024

Louisiana Insurance Commissioner Tim Temple – a self-described “unicorn” among insurance regulators, given his decades-long background in the industry as an agent, broker, and company president – even renamed programs to address “legal system abuse” when he assumed office in January. Clear communication is key, the participants agreed.

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TGS

SEPTEMBER 11, 2023

With replacement cost coverage, a flood policy must also be active at the time of the damage, or else there will be actual cash value coverage. As with most insurance policies, your property will be inspected to ensure it meets the Southern Building Code and the Federal Flood Construction and Zoning guidelines. million in protection.

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