Distinguished

JUNE 2, 2025

Harsh winters, severe storms, aging infrastructure, and liability claims can all turn a profitable property into a financial setback without proper insurance. Why Ohio Landlords Need Specialized Insurance Understanding real-world claims helps brokers convey the true value of landlord insurance. In fact, 9.3%

Liability

Word & Brown

JUNE 21, 2025

We know health care and health insurance are jargon-packed industries. How Insurance Education Builds Client Loyalty That Lasts 1: Use plain language. If the deductible has not yet been met, the insured pays the full $100 office visit charge. The insured must pay this amount plus the plan deductible (if not already satisfied).

Building

Protect Commercial Insurance

APRIL 4, 2025

Two insurance options that often get overlooked but can make a significant financial difference are rent guarantee insurance and home emergency insurance. Understanding Rent Guarantee Insurance Image courtesy: Unsplash In the bustling world of property management, ensuring a steady flow of rental income is crucial for landlords.

Out-Of-Pocket

Word & Brown

APRIL 1, 2025

But, working with Word & Brown, you have access to a broad range of plans, products, and services that offer potential tax and other savings to your individual and group insurance clients. You should suggest they speak with a tax advisor concerning the potential deductibility of health insurance costs.

Deductible

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

Shield Insurance Agency

MAY 12, 2025

As the weather warms up and spring is in full swing, many of us are eager to get our recreational vehicles out and enjoy the season. Whether you own a motorhome, pop-up, ATV, or other recreational toys, it’s crucial to ensure they have the right insurance coverage.

Out-Of-Pocket Expense

Distinguished

APRIL 21, 2025

Without the right insurance, the landlord absorbs the full financial hit not just from repairs but also from lost rental income. For brokers and agents, understanding landlord insurance in Chicago is crucial for helping clients safeguard their investments while expanding business opportunities. In Chicago alone, more than 2.7

Broker

AMAXX

JULY 30, 2025

Imagine this: One injured employee stays out of work for 35 extra days. At an average indemnity cost of $250/day, plus $3,000 for replacement labor, the total out-of-pocket cost is $11,750. Multiply that by several injuries—and you’ll see how quickly those numbers can spiral out of control. Seems manageable, right?

Workers Comp

PSM Brokerage

JANUARY 22, 2025

As an agent, broker, or web-broker, you are tasked with connecting individuals and families with the health insurance they need, all while adhering to strict compliance guidelines. Do: Clearly state premium costs, deductibles, and coverage benefits. Familiarize yourself with their specific requirements for special ad categories.

Agents

Healthinsurance.org

MARCH 13, 2025

This will make it particularly important for enrollees to pay close attention to communications they get from their plan and the Marketplace before and during open enrollment, to ensure that there are no unwelcome surprises regarding their coverage or premiums in January. 1 through Dec. in all states. 1 through Dec. in all states.

Premium

Simply Insurance

JUNE 18, 2025

Term Life Insurance Term Life Insurance Quotes How Much Is Term Life Insurance? How Much Is $150,000 In Life Insurance? How Much Is $500,000 In Life Insurance? How Much Is $1 Million In Life Insurance? How Much Is A $100,000 Life Insurance Policy? How Does Landlord Insurance Work?

Life Insurance

Simply Insurance

JUNE 20, 2025

Term Life Insurance Term Life Insurance Quotes How Much Is Term Life Insurance? How Much Is $150,000 In Life Insurance? How Much Is $500,000 In Life Insurance? How Much Is $1 Million In Life Insurance? How Much Is A $100,000 Life Insurance Policy? How Does Landlord Insurance Work?

Insurance Quotes

Simply Insurance

JUNE 15, 2025

Term Life Insurance Term Life Insurance Quotes How Much Is $150,000 In Life Insurance? How Much Is $500,000 In Life Insurance? How Much Is $1 Million In Life Insurance? Life Insurance Rates By State In Jun 2025! How Much Is A $100,000 Life Insurance Policy? How Does Landlord Insurance Work?

Insurance Quotes

Healthinsurance.org

JULY 10, 2025

The first wave of changes – effective August 25, 2025 4 changes effective for enrollment in 2026 health plans Changes effective for enrollment in 2027 health plans Why are some of the rule’s changes temporary? 2 The proposed rule drew more than 26,000 public comments. Other provisions are applicable for the 2026 plan year or the 2027 plan year.

Out-Of-Pocket

Healthinsurance.org

JULY 18, 2025

4 The Biden administration’s rule included provisions such as eliminating in-person eligibility interviews for people with disabilities and those 65 or older, changes to ensure that fewer people would lose coverage due to undeliverable mail, and a ban on lock-out periods for children disenrolled from CHIP for failure to pay premiums.

Out-Of-Pocket

Healthinsurance.org

DECEMBER 3, 2024

Delayed enrollment might mean missing out on free money. Or you might have opted to buy ACA-compliant coverage outside the exchange , if you weren’t eligible for premium tax credits (subsidies) the last time you looked. The premium that your insurer charges is likely changing for 2025. Letting your plan auto-renew?

Out-Of-Pocket

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. Final expense insurance can be an ideal option for anyone looking to ease their family’s financial burden, but misunderstandings about what this coverage entails can create hesitation.

Agents

Boyle Agency Insurance

DECEMBER 3, 2024

Auto insurance rates vary from person to person and vehicle to vehicle. That’s because several factors influence the cost of auto insurance premiums. Understanding these can help you make informed decisions about your coverage and potentially save on your auto insurance.

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 13, 2024

Introduction Finding your way through dental insurance can be confusing. Luckily, some dental insurance plans provide instant access to many dental services right away, without a waiting period. Understanding Dental Insurance With No Waiting Periods Dental insurance plans usually have waiting periods.

Out-Of-Pocket

Simply Insurance

SEPTEMBER 19, 2024

Discover the factors that influence the cost of dental insurance, including coverage options, premiums, and out-of-pocket expenses. Learn how to choose the best plan for your needs and budget.

Out-Of-Pocket Expense

Simply Insurance

SEPTEMBER 19, 2024

Discover the factors that influence health insurance costs, including premiums, deductibles, and out-of-pocket expenses. Learn how to find the right coverage for your budget and needs in this comprehensive guide.

Out-Of-Pocket Expense

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

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. Coverage Limits The amount of coverage you choose directly affects your premium.

Premium

Redbird Agents

JULY 12, 2024

The “1,2,3,4,5 method” of presenting hospital indemnity insurance will change your life, I promise! Presenting hospital indemnity with every Medical insurance sale is a choice every agent has and most choose not to. Of course not, because eligibility hurdles exist with hospital indemnity insurance plans. It’s simple.

Insurance

Smart Insurance Agents

DECEMBER 9, 2024

Short Term Health Insurance Illinois: No longer available as of January 1, 2025. STLD Plans – As of January 1, 2025, Short-term Limited Duration Plans are no longer permitted to be sold in Illinois, helping to ensure that residents are not misled about whether they are purchasing comprehensive health insurance.

Out-Of-Pocket

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.

Home Insurance

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

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

Smart Insurance Agents

SEPTEMBER 3, 2024

Can You Have Private Insurance and Medicaid? Eligibility and Benefits Explained Yes, you can have private insurance and Medicaid simultaneously. This raises the question: can you have private insurance and Medicaid? This dual coverage can provide a broader range of medical services and reduce out-of-pocket costs.

Out-Of-Pocket Expense

TGS

OCTOBER 28, 2024

TGS Insurance » Blog How to Choose the Right Auto Insurance Deductible When it comes to auto insurance, one of the most important decisions you’ll make is selecting your deductible. Simply put, a deductible is the amount you agree to pay out of pocket before your insurance kicks in after a claim.

Deductible

Shield Insurance Agency

AUGUST 20, 2024

Shield Insurance Blog | Small Insurance Claims | Contact Our Sales Team! Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. However, filing small insurance claims can have long-term financial consequences.

Insurance Claim

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

Smart Insurance Agents

AUGUST 19, 2024

HMO vs PPO: Choosing the Best Health Insurance Plan for You Deciding between a HMO vs PPO health insurance plan? HMO plans are generally more affordable with lower monthly premiums, providing coordinated care, whereas PPO plans, despite their higher costs, allow members to access out-of-network providers for greater autonomy.

Out-Of-Pocket

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

P&L Financial Services

OCTOBER 10, 2024

Whether it’s rising insurance premiums, higher prescription drug costs, or increased out-of-pocket expenses, retirees should anticipate adjustments. Make sure your plan offers the best coverage for your health needs and compare plans that may offer lower premiums or better benefits.

Out-Of-Pocket

Freeway Insurance

OCTOBER 8, 2023

Understanding how much car insurance claims typically cost involves taking a look at the complicated world of car insurance, where many things can affect the numbers. Freeway Insurance is a company well known for making sure that drivers across the United States have good insurance coverage.

Auto Insurance