Distinguished

APRIL 21, 2025

Distinguisheds coverage options, cost factors, and tailored solutions are designed to protect Chicagos property owners. Without specialized landlord insurance, property owners may find themselves covering substantial repair costs, legal settlements, and lost income out of pocket. In Chicago alone, more than 2.7

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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.

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TGS

MARCH 4, 2025

Specifically, drivers need: $10,000 in Personal Injury Protection (PIP) : Covers medical expenses for you and your passengers, regardless of whos at fault. This often comes with higher premiums. The state mandates that all registered vehicles carry minimum auto insurance coverage as the Florida Financial Responsibility Law outlines.

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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. But is it affordable? There will be multiple types of health insurance plans, such as HMOs and EPOs.

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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.

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PSM Brokerage

JANUARY 22, 2025

Why Compliance Matters Compliance with Marketplace advertising rules ensures: Consumer Protection: Accurate and transparent information helps clients make informed decisions. Do: Clearly state premium costs, deductibles, and coverage benefits. Fair Competition: Compliance creates a level playing field for agents and brokers.

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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.

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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. Being proactive can help offset some of these increases and protect your finances from being drained by unexpected medical bills.

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P&L Financial Services

OCTOBER 3, 2024

Medicare Supplement (Medigap): Helps cover out-of-pocket costs that Original Medicare doesn’t. Premiums, deductibles, and out-of-pocket expenses vary depending on the plan. Premiums, deductibles, and out-of-pocket expenses vary depending on the plan.

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Protect Commercial Insurance

APRIL 4, 2025

Definition and Purpose At its core, Rent Guarantee Insurance is designed to protect landlords against the unfortunate event of tenants failing to pay their rent. – Tenant Eviction : Evictions can be a costly and drawn-out process. – Tenant Eviction : Evictions can be a costly and drawn-out process.

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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.

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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.

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Paragon Independent Insurance Agencies

JULY 31, 2024

Lenders want to ensure their interest in the property is protected if an unfortunate disaster damages it. 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.

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Protect Commercial Insurance

NOVEMBER 1, 2024

Introduction When it comes to protecting your property, the type of insurance you choose can make a big difference. 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.

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Jackson & Jackson

APRIL 29, 2024

This article outlines practical tips and strategies to help commercial property owners in California minimize their insurance expenses while maintaining adequate protection for their investments. Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums.

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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. These plans also help cover coinsurance and hospital costs that Original Medicare does not fully pay for, providing additional financial protection.

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Freeway Insurance

OCTOBER 8, 2023

This article will talk about the things that make car insurance claims cost a certain amount, and will also show how Freeway Insurance works to protect its customers’ money and peace of mind in this area. This is called a premium increase. What Is A Car Insurance Claim? Think of it as a participation fee.

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Protect Commercial Insurance

OCTOBER 4, 2024

Understanding this connection can help you make informed decisions about your investments and protect your financial well-being. How Interest Rates Influence Insurance Costs Insurance premiums are sometimes indirectly influenced by interest rates. Here’s how: insurers rely on investment income to keep premiums competitive.

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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. It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries. The good news?

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PSM Brokerage

DECEMBER 5, 2024

Why Allstate Medicare Supplement Plans Are a Game-Changer When your clients choose Allstate Medicare Supplement plans, they’re gaining more than just coverage—they’re investing in a name synonymous with protection and reliability. For agents, this is an incredible opportunity to align with a brand that consumers already know and trust.

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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.

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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.

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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

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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. This way you can avoid situations where you end up finding out what you are not being covered for. Whether you are a homeowner or a landlord, ensuring adequate protection for your property is crucial.

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Jackson & Jackson

APRIL 10, 2024

It’s not just about choosing the correct location or getting the best price; it’s also about ensuring your investment is protected from the unexpected. It protects you from claims arising from accidents or injuries on your property. Insurance plays a pivotal role in safeguarding your property and your financial future.

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Protect Commercial Insurance

JULY 26, 2024

As a tailor, it is crucial to protect your business from potential risks and liabilities. Property insurance can protect these assets from damage or loss due to fire, theft, or other covered perils. Product liability insurance protects you in case a customer claims that your product caused them harm or damage.

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Bankers Insurance

AUGUST 8, 2024

Doing so can make all the difference in providing sufficient protection and preventing coinsurance penalties amid covered property losses. Specifically, they may lack sufficient coverage following property losses, forcing them to pay out-of-pocket expenses to fully rebuild. inflation).

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Freeway Insurance

NOVEMBER 22, 2023

Eligible students can apply for financial assistance to reduce the cost of insurance premiums. First, it’s like a safety net that protects you from unexpected medical bills, so you can get the healthcare you need without worrying about money. You may have to pay more out of your own pocket.

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Smart Insurance Agents

AUGUST 23, 2024

By overhauling the payment model, instituting inflation protections, and fortifying MTM services, Medicare’s 2025 Prescription Plan is laying the groundwork for a more effective, enduring, and patient-focused Part D program.

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Bankers Insurance

MAY 16, 2024

These policies can provide critical financial security as homeowners seek to protect their fiscal stability and property. Even among typical homeowners policies, premiums likely increased year over year. TIPS FOR BUYING HOME INSURANCE For millions of Americans, home insurance remains an essential financial safeguard. billion each.

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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.

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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?

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Jackson & Jackson

APRIL 28, 2024

This article outlines the top five mistakes property investors make with insurance and provides practical tips on avoiding them, ensuring your investments are adequately protected. This often happens when trying to save on premiums. Think about business interruption insurance to protect your income stream during repairs.

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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.

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Smart Insurance Agents

AUGUST 19, 2024

Medigap helps with out-of-pocket costs like deductibles, copays, and coinsurance, providing clearer financial protection. However, the premium costs can vary between different insurers. Each Medicare Supplement insurance plan can vary in premiums and coverage, so it’s a good idea to compare these options closely.

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TGS

SEPTEMBER 11, 2023

TGS Insurance » Blog With hurricane season in full force, South Carolina residents living on the coast must protect their homes from the upcoming storms. Understanding how windstorm insurance works in these areas is the first step in adequately protecting your home. The law protects all land designated “beach” by the legislature.

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Smart Insurance Agents

OCTOBER 15, 2024

The ACA’s individual mandate, which required everyone to have health insurance, was a critical component in maintaining a balanced risk pool and keeping premiums affordable. Before this repeal, the penalty was based on the national average premium for a Bronze plan, which could amount to a substantial sum.

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