American Agents Alliance

FEBRUARY 7, 2025

Social inflation and E&O risks are connected as agents must manage policyholder expectations even as claims costs rise, premiums remain high, and denials are issued for claims policyholders expected to be covered. This could lead to an E&O claim as policyholders are disappointed in claims outcomes.

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Broker-Agent Risk Policyholder Agents 52

American Agents Alliance

NOVEMBER 9, 2024

Independent P&C agents and brokers who reside and work in this region must also know how to help policyholders manage earthquake risk. Learn more about how agents can help their policyholders manage earthquake risk in this blog. Some policyholders may be unaware of the coverage gap.

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Agents Risk Broker-Agent Policyholder 40

American Agents Alliance

DECEMBER 8, 2024

Driven by rapid advancements in technology, shifting risks, and increasing policyholder expectations, the industry will likely have different products and services by the time 2025 draws to a close. Innovative digital tools can streamline underwriting while improving efficiency for insurers and agents.

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Broker-Agent Agents Broker Risk 40

Zywave

MAY 19, 2025

Insurers, agents and brokers are grappling with rapidly evolving risks that are becoming increasingly complex. The Immediate Need for Change Its clear that most insurers, agents and brokers are not well-equipped to handle todays complex and rapidly evolving risk environment. Unfortunately, these challenges are expected to intensify.

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Broker-Agent Broker Risk Agents 52

American Agents Alliance

OCTOBER 14, 2024

Understanding millennial insurance buyers and their motivations is critical for agents and brokers selling to this demographic. How to Sell to Millennial Insurance Buyers Here are some ways agents and brokers can find success when selling insurance to millennials: Understand the preferences and buying behaviors of millennials.

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Agents Broker-Agent Policyholder Insurer 40

American Agents Alliance

AUGUST 4, 2024

Learning effective sales techniques is critical as an independent insurance agent. Effective Sales Techniques For Insurance Agents These sales strategies can help agents become more effective: Combine traditional techniques with digital tools. Empathy is important for agents and claims adjusters.

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Insurance Agents Insurance Agent Agents Insurer 40

Leadsurance

SEPTEMBER 26, 2023

With its ability to directly reach current clients, potential leads, and past policyholders, email marketing provides a platform for personalized, timely, and relevant content delivery. For insurance agents, it offers a unique opportunity to establish trust, provide essential updates, and promote new policy offerings.

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Insurance Agents Insurance Agent Agents Insurer 52

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. Cost: Evaluate the premiums, deductibles, copayments, and out-of-pocket maximums associated with each plan. Determine the affordability and value for the coverage provided.

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Out-Of-Pocket Insurer Insurance Insured 98

Property Insurance Centre

MARCH 19, 2024

By understanding key terms, policy details, and the rights and responsibilities of policyholders, consumers can engage with insurers more effectively, ensuring better communication and ultimately achieving their desired outcomes. By exploring these guides, individuals can gain a comprehensive understanding of why insurance is essential.

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Property Insurance Policyholder Insurer Insurance 52

Bankers Insurance

MAY 16, 2024

The homeowners insurance market is complicated and dynamic, and many policyholders have experienced increased rates in recent years despite no changes to their coverage or claims filed. Even among typical homeowners policies, premiums likely increased year over year. Reduce liability risks. Explore discounts. 3 or 5 years).

Home Insurance 52

Home Insurance Policyholder Out-Of-Pocket Insurer 52

American Agents Alliance

AUGUST 10, 2024

The Role of Agents Agents and brokers can help explain these pressures to policyholders who are concerned with rates or repair costs. Another helpful tip for policyholders is to educate them about ways to manage and mitigate their individual risks.

Auto Insurance 40

Auto Insurance Broker-Agent Agents Policyholder 40

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.

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Insurance Claim Claim Protection Out-Of-Pocket 52

PSM Brokerage

DECEMBER 5, 2024

With decades of experience providing peace of mind to millions of policyholders, Allstate has created Medigap plans that offer comprehensive coverage, flexibility, and affordability. For agents, this is an incredible opportunity to align with a brand that consumers already know and trust.

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Out-Of-Pocket Agents Policyholder Protection 52

Healthinsurance.org

MAY 20, 2024

In this article HealthCare.gov policyholders at risk Scammers circumvent consumers protections The damage to affected Marketplace buyers Factors that led to the alleged fraudulent activity Buyers with lower incomes targeted Is this happening in states that run their own Marketplaces? What should consumers do? How was that possible?

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Broker-Agent Broker Out-Of-Pocket Premium 52

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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Out-Of-Pocket Broker-Agent Premium Claim 64

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. That could shave a nice chunk off your premium.

Insurance Quotes 52

Insurance Quotes Home Insurance Deductible Out-Of-Pocket 52

Property Insurance Centre

JANUARY 4, 2024

Inflation drives up property valuations , construction costs , and insurance premiums. This has resulted in higher premiums and limited coverage in catastrophe-exposed areas. The rising costs of building or repairing properties have a direct effect on insurance premiums.

Property Insurance 52

Property Insurance Commercial Property Liability 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., For more information, contact your Bankers Insurance agent.

Commercial Property 59

Commercial Property Property Insurance Commercial Out-Of-Pocket 59

Jackson & Jackson

FEBRUARY 14, 2025

If you qualify, this benefit can offer you the peace of mind of not worrying about premium increases for the next three years. Erie Insurance Rate Lock is a benefit provided to policyholders who have had no tickets, accidents, or claims within the last three years. But what happens when that term ends? What Is Erie Insurance Rate Lock?

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Premium Insurer Insurance Insured 40

Zywave

NOVEMBER 6, 2024

The aim of Zywave’s Cyber Quoting is to help the market to grow cyber premium,” said Zywave Senior Vice President Jeff Cohen. About Zywave Zywave leads the insurtech industry, powering the modern insurance lifecycle while fostering connections between innovative agents and brokers, insurers, and MGAs.

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Cyber Broker-Agent Broker Commercial 52

Smart Insurance Agents

SEPTEMBER 7, 2024

Adding a dependent to your health insurance usually involves additional costs, reflected in higher premiums for family plans. They can get health coverage under the plan of the policyholder. Dependents get the same or similar health benefits as the main policyholder. This group usually includes spouses and children.

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Policyholder Insurer Insurance Insured 52

Majesco

FEBRUARY 15, 2024

Carriers must balance speed and accuracy to deliver precise risk evaluation, with the expectation and result of comprehensive and fair premium pricing for both the insurer and its policyholders. Let’s Speed allows insurers to stay ahead of new challenges, react promptly to market trends, and adjust coverage terms accordingly.

Policyholder 40

Policyholder Broker-Agent Risk Broker 40

Leadsurance

AUGUST 1, 2023

By incorporating elements such as: challenges points levels leaderboards gamification creates an interactive and engaging experience for users, including policyholders. Secondly, gamification can boost sales performance by motivating insurance agents or sales teams to achieve targets and compete with each other.

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Insurance Companies Insurance Agent Insurance Agents Insurer 52

Majesco

APRIL 25, 2024

It’s a double play—claims processed swiftly, premiums collected seamlessly, and customers satisfied. When a policyholder feels heard, when a claim is resolved swiftly, when premiums align with value—those are the grand slams insurers aim for. The ball never hits the dirt.

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Premium Underwriter Underwriting Claim 40

Property Insurance Centre

SEPTEMBER 25, 2024

This might seem like an advantage since this saves cost initially, though it might lead to high premium costs later on. These can be added to your policy for an additional premium. If your property is located in an area with a high risk of natural disasters, such as floods or earthquakes, your insurance premiums will be higher.

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Building Insurer Insurance Insured 52

Distinguished

NOVEMBER 7, 2024

This heightened risk necessitates more substantial bonds, often with higher premiums, to cover potential defaults or non-payment issues. Insurance Products: Insurance transfers risk from the insured (policyholder) to the insurer (insurance company). Performance and payment bonds become crucial in managing these risks.

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Claim Compensation Risk Broker-Agent 52

Constant Contact

JANUARY 28, 2021

For example, a blog feature on life insurance may begin by differentiating term and whole life insurance before delving into specifics such as guaranteed whole life or indeterminate premium whole life. Tailor these posts based on the types of insurance you provide and the specific policyholders who might find certain guests compelling.

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Insurer Insurance Insured Life Insurance 52

Cover4LetProperty

OCTOBER 10, 2022

That is to say, you (or your agent) are without a criminal record and have no convictions for breaching landlord laws, regulations, or codes of practice. You might also want to consult a letting agent about a realistic rent for the property you are offering. What rent can I charge and how much is it going to cost me to do so?

Insurer 52

Insurer Insurance Insured Building 52

Redbird Agents

APRIL 10, 2025

IUL critics have some valid points, Begg concedes, noting that an IUL policy is a fairly new product to many policyholders. The lack of exposure and the limited number of insurance agents with access to this type of policy are the main reasons many have not heard of this tool. Sometimes significantly higher premiums are required.

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Life Insurance Premium Insurer Insurance 130

Triple-I: Homeowners Insurance

MAY 2, 2025

property claim lawsuits, pushing premium rates up to three times the national average. Post-reform, in 2024, 40 percent of all insurers in the state filed for rate decreases, with average home insurance premiums down 5.6 Yet, in 2019, Florida accounted for just over 8 percent of U.S. percent at the start of this year.

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Premium Policyholder Claim Protection 81

Redbird Agents

JUNE 14, 2024

Getting a client to understand the role of annuities in their overall plan is just as hard for a fixed agent as it is for the registered rep. Life insurance agents that are new to selling annuities. FIA Accumulation Highlights : Review premium requirements, fixed rates, withdrawals and more! Download Current Annuity Rates Now!

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Life Insurance License Agents Premium 130

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. In exchange for that bigger premium, your insurance company agrees to cover a greater percentage of your financial loss after an accident or major illness. Read on to learn more.

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Deductible Out-Of-Pocket Insurer Insurance 52

InsuredMine

FEBRUARY 21, 2025

A long-time policyholder reaches out to check on a claim. Imagine a system that recognizes when a policyholder is likely to churn and automatically alerts your team for proactive outreach. Proactive Service vs. Reactive Service Insurance is often viewed as a reactive industry customers call when they have a problem, and agents respond.

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Policyholder Claim Policy Building 52

Cowbell

APRIL 3, 2025

Here at Cowbell, we remain committed to helping policyholders, agents, and brokers gain a comprehensive view of riskinside and out. This expansion means that Cowbell policyholders now have more opportunities to refine their Cowbell Factors (our proprietary risk ratings) and potentially qualify for reduced premiums.

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Cyber Policyholder Broker-Agent Risk 52