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. Even if you have an older vehicle like a dirt bike, while it might not need comprehensive coverage, liability protection is still important.

Out-Of-Pocket Expense

Simply Insurance

JUNE 3, 2025

Well, here’s the thing: Figuring out how your homeowners insurance deductible works isn’t complicated and it almost works like any other deductible. They both work the same way in that you have to pay them before the insurance company pays out the remainder of a claim. If you choose a higher deductible, your premiums will be lower.

Deductible

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

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

Broker

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.

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

You pay a monthly premium, and in return, the insurance company provides a death benefit to your beneficiaries upon your passing. Generally, premiums are affordable, making it an attractive option for those on a budget. This can include funeral services, burial or cremation costs, and other related expenses. Agents not required.

Life Insurance

Simply Insurance

JUNE 20, 2025

A reliable choice for pet owners who value comprehensive protection and minimal hassle. 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.

Insurance Quotes

Simply Insurance

JUNE 15, 2025

Using savings for long-term care also comes with the inherent risk of running out of funds. 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. Lets have a look.

Insurance Quotes

Healthinsurance.org

JULY 10, 2025

The Trump administration proposed the Marketplace Integrity and Affordability rule in early 2025 , citing the need for new standards to ensure the integrity of the Marketplaces – including safeguards to protect consumers from improper enrollments. 2 The proposed rule drew more than 26,000 public comments. 6 Permanent? 6 Permanent?

Out-Of-Pocket

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

Boyle Agency Insurance

DECEMBER 3, 2024

That’s because several factors influence the cost of auto insurance premiums. A clean driving record with no accidents or violations typically results in lower premiums, as it demonstrates responsible driving behavior. Younger, less experienced drivers often face higher premiums due to a higher perceived risk.

Premium

Final Expense Brokerage

NOVEMBER 30, 2024

It’s not about your health—it’s about protecting your family from unexpected costs. Starting earlier can give you peace of mind and lower premiums, so you’re covered regardless of what life brings.” Nov 30, 2024 11:23:52 AM Contact Us Share: Enhance client discussions by addressing the most common final expense misconceptions.

Agents

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

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

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.

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

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

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.

Out-Of-Pocket

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.

Out-Of-Pocket Expense

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

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

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.

Home Insurance

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.

Commercial Property

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.

Out-Of-Pocket

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.

Auto Insurance

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.

Deductible

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.

Property Insurance

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?

Commercial Insurance

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.

Out-Of-Pocket

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.

Out-Of-Pocket

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.

Out-Of-Pocket Expense

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

Out-Of-Pocket

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.

Building

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.

Commercial Property

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).

Commercial Property

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.

Out-Of-Pocket