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.

Out-Of-Pocket 97

Out-Of-Pocket Deductible Insured Insurer 97

TGS

OCTOBER 25, 2024

TGS Insurance » Blog Top Reasons Your Home Insurance Premium Might Increase [2024] Owning a home is often a dream come true, but when that dreaded notice arrives in the mail—informing you that your home insurance premium has gone up—it can feel more like a nightmare. If you’re wondering why your premiums have spiked, you’re not alone.

Home Insurance 52

Home Insurance Premium Insured Insurer 52

Redbird Agents

JULY 12, 2024

Redbird Training - We offer live Redbird training classes for Producers every Tuesday and Thursday. The “1,2,3,4,5 method” of presenting hospital indemnity insurance will change your life, I promise! If it doesn’t, it’s because you don’t want to cross sell and make more money! Do you have to sell it to everyone?

Insured 130

Insured Insurer Insurance Premium 130

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. Short Term Health Insurance Illinois: No longer available as of January 1, 2025. They can use the Find Local Help tool on GetCoveredIllinois.gov to find our navigators in their area.

Out-Of-Pocket 98

Out-Of-Pocket Insured Insurer Insurance 98

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.

Out-Of-Pocket Expense 52

Out-Of-Pocket Expense Out-Of-Pocket Insured Insurer 52

TGS

SEPTEMBER 6, 2023

When taking on new home renovations, your homeowners insurance policy might not be the first thing on your mind. Let’s take a look at some of the most common ways that home renovations will impact your insurance policy. What Will a Standard Home Insurance Policy Cover During Renovations?

Insurance Policy 52

Insurance Policy Policy Home Insurance Personal Property 52

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.

Deductible 52

Deductible Auto Insurance Out-Of-Pocket Premium 52

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. Many policyholders may be tempted to file a claim for every little incident in the belief that their insurance policy will cover all damages.

Insurance Claim 52

Insurance Claim Claim Protection Out-Of-Pocket 52

Freeway Insurance

JANUARY 4, 2024

A low deductible health plan means the policyholder will pay less upfront and out of pocket for certain healthcare items, such as surgery. Most policies outline certain services the insured may access whether their deductible is met or not, such as a visit to the primary care doctor. Read on to learn more.

Deductible 52

Deductible Out-Of-Pocket Insured Insurer 52

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.

Insurance Quotes 52

Insurance Quotes Home Insurance Deductible Out-Of-Pocket 52

Paragon Independent Insurance Agencies

JULY 31, 2024

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. You will be responsible for paying a deductible out of pocket every time you file a homeowner claim.

Deductible 40

Deductible Home Insurance Out-Of-Pocket Insurance Agency 40

Protect Commercial Insurance

OCTOBER 4, 2024

They can be set by central banks and are influenced by several factors, including inflation, economic growth, and monetary policy decisions. They can be set by central banks and are influenced by several factors, including inflation, economic growth, and monetary policy decisions. However, there’s a flip side.

Property Insurance 52

Property Insurance Out-Of-Pocket Premium Insured 52

Freeway Insurance

OCTOBER 8, 2023

There’s also the possibility of shelling out money for a rental car and any immediate medical or car repair costs from your own pocket. This is the amount of money you have to pay out of your own wallet before your insurance company will help you pay the rest of the claim. This is called a premium increase.

Auto Insurance 52

Auto Insurance Insurance Claim Claim Out-Of-Pocket 52

Jackson & Jackson

APRIL 29, 2024

Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums. This means you will pay more out of pocket in case of a claim, but your monthly or annual insurance costs will be lower. Evaluate the total costs and coverage benefits compared to separate policies.

Commercial Property 52

Commercial Property Property Insurance Commercial Deductible 52

Healthinsurance.org

APRIL 25, 2024

2 And thanks to federal legislation, the American Rescue Plan (ARP), that enhanced ACA premium subsidy eligibility for millions of consumers, you’re more likely than ever to find Marketplace coverage that’s subsidized – and you won’t have to wait for the next annual open enrollment period to enroll if you’re eligible for a SEP. (To

Out-Of-Pocket 52

Out-Of-Pocket Premium Insured Insurer 52

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. In 2024, Illinois residents can choose from 158 different plans, each offering unique benefits and coverage options.

Out-Of-Pocket 52

Out-Of-Pocket Out-Of-Pocket Expense Premium Deductible 52

TGS

OCTOBER 3, 2023

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. A lot of factors go into calculating your home insurance premium. Policy Number 3. Policy Period 5. Total Premium 11. Insurance Company 2.

Insurance Quotes 52

Insurance Quotes Deductible Home Insurance Out-Of-Pocket 52

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.

Building 52

Building Insured Insurer Insurance 52

Jackson & Jackson

APRIL 10, 2024

Make sure to understand the specific perils covered by your policy, as not all natural disasters might be included. Assessing the Value of Your Property Accurately The value of your property directly affects your insurance premiums and the amount you’ll be compensated in case of a claim.

Commercial Property 52

Commercial Property Commercial Business Interruption Out-Of-Pocket Expense 52

PSM Brokerage

JANUARY 23, 2025

Medicare supplements (or Medigap plans) offer: Predictable Costs: Clients appreciate the ability to budget for out-of-pocket healthcare expenses. Stability: Once enrolled, clients can keep their plans as long as they continue to pay premiums. In 1999, 8 million individuals were enrolled in these plans. Thats a 77.5%

Out-Of-Pocket 52

Out-Of-Pocket Life Insurance Agents Policy 52

Protect Commercial Insurance

NOVEMBER 8, 2024

By understanding your policy needs, shopping around, and exploring available discounts, you can effectively manage insurance premiums and keep your business financially secure. Having the right insurance policy is vital for the continuity and smooth operation of any business. The good news?

Commercial Insurance 52

Commercial Insurance Commercial Premium Deductible 52

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.

Out-Of-Pocket 52

Out-Of-Pocket Deductible Premium Out-Of-Pocket Expense 52

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?

Home Insurance 52

Home Insurance Policyholder Insured Insurer 52

Jackson & Jackson

APRIL 28, 2024

This often happens when trying to save on premiums. 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.

Business Interruption 52

Business Interruption Out-Of-Pocket Expense Out-Of-Pocket Broker-Agent 52

Protect Commercial Insurance

JULY 26, 2024

In this article, we will provide you with four essential tips to help you understand your coverage needs, find the best rates, review and update your policy regularly, and work with an experienced insurance broker. Insurance premiums can vary significantly between providers, so it’s essential to compare quotes from multiple insurers.

Commercial 52

Commercial Insurance Broker General Liability Business Interruption 52

Protect Commercial Insurance

NOVEMBER 1, 2024

Let’s dive in and find out what each offers! Let’s delve into what landlord insurance offers and why it might be the right choice for you as a property owner renting out one or more homes. It’s crucial because it ensures you won’t have to bear the financial burden of significant repairs out of pocket.

Home Insurance 52

Home Insurance Out-Of-Pocket Insured Insurer 52

Healthinsurance.org

JANUARY 2, 2024

Each type of managed care limits, to varying degrees, the number of providers from which a patient can choose, whether the patient has to use a primary care physician, and whether out-of-network care is covered under the plan. And why do health plans have managed care designations? 5 (Medicare Advantage plans are managed care plans.

Out-Of-Pocket 52

Out-Of-Pocket Deductible Policyholder Out-Of-Pocket Expense 52

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.

Out-Of-Pocket 52

Out-Of-Pocket Insured Insurer Insurance 52

Triple-I: Homeowners Insurance

DECEMBER 3, 2024

With her reference to “investors,” Rangaswami took aim at a little-known, rapidly growing practice called third-party litigation funding (TPLF), in which investors with no stake beyond potential profit step in to fund lawsuits against corporate entities perceived as having deep pockets. Clear communication is key, the participants agreed.

Out-Of-Pocket 64

Out-Of-Pocket Broker-Agent Premium Claim 64

PSM Brokerage

JANUARY 8, 2025

Improved Healthcare Access: With increased income, seniors may find it easier to afford Medicare premiums, supplemental insurance, and out-of-pocket healthcare costs. Implications for Seniors and Medicare Agents The Social Security Fairness Act (H.R. Key Provisions of H.R. Proactively sharing updates about H.R.

Out-Of-Pocket 52

Out-Of-Pocket Agents Insurance Agents Insurance Agent 52

Freeway Insurance

NOVEMBER 22, 2023

Eligible students can apply for financial assistance to reduce the cost of insurance premiums. You might actually find better coverage at lower monthly premiums and even be eligible for other savings based on your income. You may have to pay more out of your own pocket.

Out-Of-Pocket 52

Out-Of-Pocket Premium Out-Of-Pocket Expense Deductible 52

Smart Insurance Agents

SEPTEMBER 2, 2024

Eligibility for ACA Marketplace coverage allows green card holders to access premium tax credits and subsidies , significantly lowering premium and out-of-pocket expenses, thus facilitating affordable health insurance. New immigrants need adequate health insurance to navigate the high costs of medical care in the U.S.

Out-Of-Pocket Expense 52

Out-Of-Pocket Expense Out-Of-Pocket Insured Insurer 52

Bankers Insurance

AUGUST 8, 2024

Businesses may end up with inaccurate ITV calculations for a wide range of reasons — whether it stems from ineffective property valuation methods, intentionally underestimating costs to secure reduced premiums or being impacted by factors outside their control (e.g., inflation).

Commercial Property 59

Commercial Property Property Insurance Commercial Out-Of-Pocket 59

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.

Insured 52

Insured Insurer Insurance Out-Of-Pocket 52

Healthinsurance.org

JUNE 5, 2024

A “renewal” will include a new policy issued by the same insurer (or another insurer in the same controlled group, meaning they’re treated as a single employer) within 12 months of the effective date of the first policy. Why did the federal government implement this rule? STLDI plans sold on or after Sept. 1, 2024.

Policy 52

Policy Out-Of-Pocket Premium Insured 52

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. Which Option Is Right for You?

Auto Insurance 52

Auto Insurance Deductible Out-Of-Pocket Insured 52

Peter J. Fournier

JULY 30, 2021

The most obvious is that Life Insurance policies will generate more commission. But when you add a Life Insurance policy, your clients will become much stickier. For example, one person might focus on out-of-pocket expenses. But another policy will give the client more extras like dental. But that’s okay!

Life Insurance 52

Life Insurance Insured Insurer Insurance 52