Smart Insurance Agents

OCTOBER 13, 2024

Understanding dental insurance policies without waiting periods can help you make an informed decision when choosing the right plan for your dental needs. Our editorial team at Smart Insurance Agents uses a data-driven methodology to evaluate insurance companies, ensuring that all companies are measured equally.

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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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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). These plans typically offer lower costs due to the risk being spread across a larger group of insured individuals.

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Frankenmuth Insurance

JULY 25, 2024

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? The blog content is not intended to serve as professional or expert advice for your insurance needs. The post What is the best type of insurance for a small business?

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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. The Basics of Medicare Supplement Insurance Medicare Supplement Insurance plans, or Medigap, help pay for healthcare costs that Original Medicare does not cover.

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TGS

OCTOBER 3, 2023

How to Read Your Homeowners Insurance Quote 1. Insurance Company 2. Name of Insured 4. Insured Address 6. Deductibles 8. Insurance Company The name of the carrier that will be insuring your home can be found at the top of your quote. Policy Number 3. Policy Period 5. Coverage: Section I 9.

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Frankenmuth Insurance

JANUARY 16, 2025

Make notes of new locations, new products, team growth, and consolidations to share with your agent. This is also a good time to think through your current coverage limits, deductibles, and exclusions and how theyre working for you. Reach out to your agent one to three months before your policy expires.

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Jackson & Jackson

APRIL 29, 2024

This article outlines practical tips and strategies to help commercial property owners in California minimize their insurance expenses while maintaining adequate protection for their investments. Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums.

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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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TGS

OCTOBER 30, 2024

Mind the Deductibles—Higher Isn’t Always Better A deductible is the amount you pay out of pocket before your insurance steps in. Some policies offer lower premiums with higher deductibles, but here’s the catch: If you have to file a claim, are you comfortable covering a $5,000 deductible before the insurance company pays a dime?

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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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Smart Insurance Agents

AUGUST 19, 2024

Key dental insurance providers in Texas, such as Delta Dental, Humana Dental, and Blue Cross Blue Shield, offer flexibility and comprehensive coverage tailored to individual needs. Understanding Dental Insurance Texas Dental insurance Texas is essential for residents to manage the costs of routine and emergency dental care.

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PSM Brokerage

JANUARY 22, 2025

Key Marketplace Advertising and Marketing Rules Here are the most critical guidelines agents, brokers, and web-brokers must follow: Provide Accurate Information Your advertising materials must present truthful, clear, and non-misleading information about Marketplace plans, pricing, and coverage.

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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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Smart Insurance Agents

DECEMBER 9, 2024

Cost: Evaluate the premiums, deductibles, copayments, and out-of-pocket maximums associated with each plan. These notices should inform consumers about the limited nature of short-term plans, the potential gaps in coverage, and the availability of other health insurance options such as ACA-compliant plans.

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TGS

SEPTEMBER 6, 2023

However, for many home renovation projects, you will need to inform your insurance agent. Whether it’s a big project involving reconstruction of part of your home, or a small project that will increase the value of your home or personal property, your renovation will affect your homeowners insurance. New Home Value?

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Jackson & Jackson

MAY 23, 2024

These regulations ensure that insurance companies operate fairly and transparently, providing consumers with adequate protection and recourse in case of disputes. Evaluating Your Business Insurance Needs Identifying Your Risks Every business faces different risks and potential liabilities.

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Smart Insurance Agents

AUGUST 19, 2024

These Medicare Supplement Insurance plans provide extra help for the costs that Original Medicare does not cover. These plans are sold by private insurance companies. Medigap helps with out-of-pocket costs like deductibles, copays, and coinsurance, providing clearer financial protection.

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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. On the other hand, an older vehicle that’s mostly used for quick errands may only need liability insurance. Just be prepared for a higher bill compared to insuring only one vehicle.

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Smart Insurance Agents

AUGUST 19, 2024

It’s a good idea to use the online resources from Medicare or talk to a licensed insurance agent. Standalone Dental Insurance for Medicare Beneficiaries For Medicare beneficiaries who want more flexibility and better dental coverage, standalone dental insurance plans can be a good choice.

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Redbird Agents

JULY 12, 2024

It’s a massive disservice to the customer and these plans need to be presented together so they know the path to reduce the financial burden of medical bills such as deductibles, coinsurance, emergency room expenses, and many other medical costs that come along with hospital admission. Do you have to sell it to everyone? Spoiler Alert!!

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Smart Insurance Agents

OCTOBER 14, 2024

Key Takeaways Medicare Advantage plans, or Part C, are private insurance options that combine the benefits of Original Medicare with added services, often featuring zero monthly premiums funded by federal subsidies. In addition to deductibles, beneficiaries must also consider coinsurance and copayments.

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Jackson & Jackson

APRIL 28, 2024

Cheaper policies can come with higher deductibles, more exclusions, and lower coverage limits, which could cost more in the long run. Work with a reputable insurance broker who understands the unique needs of property investors. How to Avoid It: Shop around and compare policies based on price and coverage.

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American Agents Alliance

SEPTEMBER 4, 2024

Quality Coverage with GeoVera By positioning earthquake insurance as a crucial part of financial security, you establish yourself as an expert, guiding clients toward better protection. Understanding the role of deductibles is crucial in making an informed decision.

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Smart Insurance Agents

SEPTEMBER 2, 2024

Understanding Health Savings Accounts (HSAs) An HSA is a tax-advantaged savings account designed for individuals with high-deductible health plans (HDHPs). If you’re ever in doubt about what qualifies, consult with your insurance agent , HSA provider, or a tax advisor to ensure you’re making the most of your HSA funds.

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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. She puts 2,500 miles per year on the convertible.

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Maritime Insurance International

MARCH 3, 2020

What Does Boat Insurance Cost? It deducts a certain amount of money from the vessel’s original value to account for depreciation. This is an important consideration that will have an impact on your premium cost. Actual Cash Value protection is based on the market value of your boat at the time of a covered loss.

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Smart Insurance Agents

AUGUST 31, 2024

Out-of-Pocket Costs for Wisdom Teeth Removal Even when health insurance provides coverage for wisdom teeth removal, out-of-pocket costs can still occur. The costs may encompass deductibles and copayments. On average, the out-of-pocket expense for wisdom tooth extraction, after accounting for insurance, is approximately $641 per tooth.

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Bankers Insurance

AUGUST 8, 2024

For example, if an insured’s property is valued at $1 million, but their coverage limit is $700,000 and their policy includes an 80% coinsurance clause, they would likely receive only $43,750 after incurring $50,000 in property damage from a covered event, depending on when their deductible is applied (700,000/800,000) x 50,000 = 43,750).

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Tosten Marketing

SEPTEMBER 17, 2019

Working remotely as an insurance agent is simple and you can absolutely run a successful insurance agency out of your home. In fact, most insurance companies today no longer require you to have a physical location and will give appointments to agents who work out of their home if they can display potential for new applications.

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Jackson & Jackson

MAY 22, 2024

“Choosing the Right Coverage” Investors should work closely with insurance agents or brokers to understand the available coverage options and customize policies to fit their specific needs. Insurers often provide discounts or more favorable terms to properties with proactive risk mitigation strategies in place.

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Bankers Insurance

MAY 16, 2024

Various parts of a home insurance policy can contribute to a homeowner’s premiums. With this in mind, limiting rate increases by making modifications, such as increasing the deductible, may be possible. Contact us today to learn more about navigating the homeowners insurance market and retaining a suitable policy at optimal rates.

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TGS

NOVEMBER 7, 2024

Instant Home Insurance Quote Start Typing Your Address GET YOUR QUOTE NOW Recent Auto Insurance Articles: Understanding Agreed Value Auto Insurance: Protecting What Matters Most on the Road What to Do After a Car Accident: A Step-by-Step Guide How to Choose the Right Auto Insurance Deductible Benefits of an Independent Insurance Agent for Your Personal (..)

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TGS

NOVEMBER 7, 2024

Instant Home Insurance Quote Start Typing Your Address GET YOUR QUOTE NOW Recent Auto Insurance Articles: What to Do After a Car Accident: A Step-by-Step Guide How to Choose the Right Auto Insurance Deductible Benefits of an Independent Insurance Agent for Your Personal Insurance Needs A Guide to Classic Car Insurance Best Auto Insurance for Electric (..)

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Smart Insurance Agents

AUGUST 31, 2024

The plan’s annual maximum and deductible are also crucial factors to consider. The annual maximum is the maximum amount the plan will pay for your dental care each year, while the deductible is the amount you’ll need to pay out-of-pocket before the plan begins to cover its share of the costs.

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TGS

SEPTEMBER 11, 2023

These can include your home’s coverage, deductible, and type of construction. Homeowners determined to be at higher risk may see a higher premium than those with a lower determined risk. Wind Pool assesses homes based on a variety of traditional factors. The idea behind WInd Pool is to maintain reasonable rates for everyone.

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Smart Insurance Agents

JANUARY 11, 2025

Working with a licensed insurance broker can also be beneficial, as they can help navigate the complexities of different plans and provide expert advice tailored to your business’s unique requirements. Another way to manage costs is by considering a high-deductible health plan (HDHP) paired with a Health Savings Account (HSA).

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