Health has always been a major concern among people around the world and they were worrying about their health and the well-being of their families for centuries. Health insurance provides financial protection, that would be...
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Most people buy life insurance for their loved ones are protected financially in the event of their death. But people do not often realize that even if they have to pay the funeral expenses and income replacement are two very...
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If you ask a person only if they have taken out life insurance, do not be surprised if they look at you blankly. It is true that singles who are young and healthy rarely think about their own mortality yet only life insurance....
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If you decide to buy life insurance, it is a smart decision. It’s just common sense to have a measure of security for your family if something happens to you. The hard part is deciding what kind of policy to buy and where....
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At Bankers Insurance Group, we know insurance can be confusing. Even the basic terms often don’t sound anything like what they actually mean. In Decoding the Jargon, we’ll go over these confusing terms and explain what they really mean and how they impact you. Today, we’re talking about risk management and reinsurance.
Risk Management
We talk a lot about those troublesome Risks, and “risk management” is a term that basically means trying to limit your exposure to them. Techniques l
A tool used in financial planning that one often sees is the financial planning pyramid. The bases of the premium are the items that protect the rest of the pyramid. This is the foundation. They are made up of protection factors. The greatest retirement and wealth-building strategies can be destroyed by the risks of life. One of the most important of these factors is the problem of disability.
Spring has arrived, and chances are the winter has left your home with plenty of cleaning to do.
But one thing most people don’t think about is what happens to the air quality in your home once you start all the vacuuming, dusting, and spraying. Chemical fumes and mold spores abound in the home, and cleaning often stirs these hazards up, diminishing the air quality in your home. Symptoms often associated with allergies may be as much to do with the air in your home as the air outside.
Dr. Bahrainwala and Dr. M
When youre comparing different options for disability insurance, be on the lookout for the areas where policies are likely to differ. Dont assume that terms are defined in the same way from one policy to another. Pay close attention to the exact manner in which key policy terms, such as total disability and residual disability are described. Thats the only way you can be certain that you truly understand the terms and conditions of each policy option.
When looking for insurance in Texas it can prove expensive because of the risk of flood damage. As normal household insurance does not cover flood damage you will have to get special coverage. This can be done through the National Flood Insurance Program.
Hurricane issues also affect Texas and it can be difficult to get insurance against wind damage too. This is why the Texas Windstorm Insurance Association works to provide coverage for this. You Do not need to go to the TWIA to get this form of coverage though as your normal insurance company can provide this type of cover itself.
Another issue you may have to consider though it is not an issue just for Texas is your credit score. Full Article…
The Florida Insurance Guaranty Association (FIGA) is Florida’s public entity for resolving claims for certain insolvent insurers. FIGA is controlled mostly by statute, and attorney’s fees are no exception. Generally, under Florida Statute § 627.428, attorney’s fees are available for an insured who succeeds on legal action against his or her insurance company. However, Florida Statute § 631.70 exempts FIGA from § 627.428 unless FIGA, “denies by affirmative action, other than delay, a covered claim or a portion thereof.”
Last week, Florida’s First District Court of Appeal read § 631.70 strictly, and denied attorney’s fees on a homeowner’s Hurricane Wilma insurance claim. In Gena v. FIGA, 1D11-1783, 20
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