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.

Broker

Simply Insurance

JUNE 18, 2025

Share 0 Share 0 By Licensed Agent: Sa El P ublished : June 18, 2025 Updated : June 20, 2025 IN THIS ARTICLE Heading 2 Example Heading 2 Example Burial insurance, often referred to as final expense insurance, is a type of life insurance designed to cover the costs associated with a persons funeral and burial. Agents not required.

Life Insurance

Simply Insurance

JUNE 20, 2025

Get affordable rates, coverage options, and expert tips to save—get free quotes now! And with some 40.1% of California residents being pet parents , finding the best pet insurance in California has never been easier. Well cover the average cost of pet insurance in California , and show you how to get free pet insurance quotes online.

Insurance Quotes

Simply Insurance

JUNE 15, 2025

Share 0 Share 0 By Licensed Agent: Sa El P ublished : June 15, 2025 Updated : June 17, 2025 IN THIS ARTICLE Heading 2 Example Heading 2 Example Getting older is inevitable; however, lacking the financial means for long-term care isnt. Agents not required. Get quotes and sign up online without talking to an agent.

Insurance Quotes

Final Expense Brokerage

NOVEMBER 30, 2024

When discussing final expense insurance with clients, agents often encounter misconceptions that can prevent clients from seeing the value of these policies. This blog breaks down common myths and misconceptions surrounding final expense insurance, offering agents clear strategies and examples to educate and reassure clients.

Agents

PSM Brokerage

AUGUST 7, 2024

Preliminary average Part D premiums will be released later this summer, with the finalized 2025 landscape available in mid-to-late September. billion in out-of-pocket prescription drug spending for people with Medicare Part D. The base beneficiary premium for 2025 will be $36.78, an increase of $2.08

Premium

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.

Premium

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.

Premium

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!

Insurance

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.

Premium

PSM Brokerage

JANUARY 13, 2025

Star Ratings: What They Mean and How to Use Them Star ratings play a crucial role in the Medicare landscape, influencing both client decisions and sales opportunities for insurance agents. What Star Ratings Mean for Insurance Agents 1. Address Client Concerns Some clients may prioritize lower premiums over higher star ratings.

Out-Of-Pocket

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. But “no waiting period” dental insurance policies let you use certain dental services right away, starting from the first day of your policy.

Out-Of-Pocket

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. It also created tax credit programs to help lower-income individuals pay less for their premiums. There will be multiple types of health insurance plans, such as HMOs and EPOs.

Premium

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

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. What is an Annual Notice of Coverage (ANOC)?

Out-Of-Pocket

PSM Brokerage

JANUARY 7, 2025

As an insurance agent, guiding your clients through Medicare options can feel like navigating a maze. Cost Medicare Advantage : Known for low or $0 monthly premiums, but clients may face higher out-of-pocket costs when accessing services. Cap on annual out-of-pocket costs. Cons : Higher monthly premiums.

Out-Of-Pocket

PSM Brokerage

JANUARY 7, 2025

The Affordable Care Act (ACA) has transformed the health insurance landscape, creating a wealth of opportunities for insurance agents to build successful careers. Becoming a licensed ACA health insurance agent allows you to help individuals and families find affordable coverage while building a steady income stream.

License

PSM Brokerage

NOVEMBER 15, 2024

5 High-Converting Medicare Scripts for Insurance Agents Turn your conversations into conversions with these tested and compliant scripts! Agent: Hi [Client Name], this is [Your Name] with [Your Agency]. Agent: That’s great to hear! Agent: Totally understand! Agent: Hi [Client Name], this is [Your Name].

Agents

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

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

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

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. Shield Insurance Blog | Small Insurance Claims | Contact Our Sales Team!

Insurance Claim

Smart Insurance Agents

AUGUST 19, 2024

Key Takeaways PPO plans offer flexibility in choosing providers without referrals, but come with higher premiums and out-of-pocket costs, while HMO plans are more cost-effective but restrict provider choices and require coordination through a primary care physician. What is an HMO?

Out-Of-Pocket

Peter J. Fournier

JANUARY 15, 2021

What is up life agents? Note: If you are more of an audio learner, check out this YouTube video 30% Of Your Business Is Falling Off The Books Insurance agents are constantly on the hamster wheel of trying to outwrite premiums and keep writing more and more production every year. 70%, that’s nuts!

Out-Of-Pocket

P&L Financial Services

SEPTEMBER 20, 2024

Medicare Advantage Plans: Premiums and out-of-pocket costs can fluctuate, and new benefits like vision, hearing, and dental care may be added. Part D Prescription Drug Plans: Changes in premiums and the formulary list could impact the cost of your medications. This may be a time find a more suitable option.

Out-Of-Pocket

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

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. Even though the coverage is similar, like Plan G from one company being the same as Plan G from another, the premiums can be different.

Out-Of-Pocket

PSM Brokerage

DECEMBER 5, 2024

For agents, this is an incredible opportunity to align with a brand that consumers already know and trust. Here’s what makes Allstate Medigap plans stand out: Trusted Reputation : With decades of experience, Allstate is a name that inspires confidence, making your job as an agent easier when selling their plans.

Out-Of-Pocket

PSM Brokerage

DECEMBER 5, 2024

Why Agents Should Sell Aflac Medicare Supplement Plans When it comes to trusted names in the insurance industry, Aflac stands out as a company synonymous with reliability, innovation, and client-focused solutions. Medigap plans not only meet this need but also create opportunities for agents to build long-term client relationships.

Out-Of-Pocket Expense

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. Total Premium 11. This number is sometimes helpful when consulting with your insurance agent, as well.

Insurance Quotes

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.

Out-Of-Pocket

Paragon Independent Insurance Agencies

JULY 31, 2024

Our knowledgeable agents at Paragon Independent Insurance Agency in Plano, TX, are here to help. 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

Smart Insurance Agents

AUGUST 29, 2024

Offering health insurance enhances employee retention, attracts top talent, and can lead to financial advantages and reduced workplace absenteeism. The primary goal is to provide flexibility and affordability for employee care, making it an attractive option for both employers and employees.

Deductible

Healthinsurance.org

MAY 20, 2024

The story was first reported in early April 2024 by Julie Appleby, and CMS subsequently released a statement, acknowledging the problem and noting that the agency is “ taking swift actions to protect consumers from unauthorized activity by agents and brokers.” 2 HealthCare.gov policyholders at risk So what’s going on here?

Broker-Agent

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. However, taking specific protective measures against these risks can help reduce premiums.

Commercial Property

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.

Out-Of-Pocket

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. The same thing happens with insurance.

Insurance Quotes