Insurance Expert on July 6, 2010 0
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Insurer Chubb opening second branch in China
Insurance Insider:
EIJING—Chubb Corp. said Tuesday that it has received approval to establish its second insurance branch in China.
Chubb Insurance (China) Co. Ltd., a wholly owned subsidiary of Warren, N.J.-based Chubb, received approval from the China Insurance Regulatory Commission to establish a branch in Nanjing, China, that is to open in December.
Chubb opened its first China branch in Shanghai in September 2000. That branch was converted into a wholly owned subsidiary in February 2008.
businessinsurance...
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How To Apply For Unemployment Insurance
Insurance Insider:
When you lose your job unemployment insurance provides temporary financial assistance that can help you pay the bills. Find out how to apply for unemployment insurance benefits in the United States.
1. Find out if you qualify for unemployment insurance. Individual states determine eligibility. Your State Unemployment Insurance Office can tell you if you qualify and how to apply if you do.
2. Gather the documents and information you need to file your claim. You will need your Social Security number. You will also need a list of past employers, their addresses, and your dates of employment.
...
Insurance Expert on May 19, 2010 0
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Title Insurance Policies
Insurance Insider:
To understand title policy insurance in America, let's look at chain-of-title and how title companies search the public records. Title insurance companies aren't really concerned with where dinosaurs once roamed, whether our ancestors trekked across the Bering Straight or where American Indian tribes settled. Title searches begin with when the United States government stole the land, I mean claimed it -- from the U. S. patent -- and move forward from that point.
Because humans are involved in recording deed transfers and plotting land parcels, a lot can go wrong. You want title insurance be...
Insurance Expert on May 19, 2010 0
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Obama says health care law already helps millions
Insurance Insider:
WASHINGTON – The new health care law already is helping millions of people through tax breaks for small businesses and assistance for families with young adults, President Barack Obama said Saturday.
In his weekly radio and Internet address, Obama promoted his top domestic priority, which passed Congress with no Republican votes and continues to stir strong emotions nationwide. He acknowledged that many provisions will not take effect for years. But he said others are doing some families good now.
Some 4 million small-business owners and organizations have been told of a possible h...
InsuranceGuru on May 8, 2010 0
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Key Provisions of Health Reform that Take Effect Immediately
Insurance Insider:
1) Small Business Tax Credits
Offers tax credits to small businesses to make employee coverage more affordable. Tax credits of up to 35 percent of premiums will be available to firms that choose to offer coverage. Effective beginning calendar year 2010. (Beginning in 2014, the small business tax credits will cover 50 percent of premiums.)
2) No Discrimination Against Children with Pre-Existing Conditions
Prohibits new health plans in all markets plus grandfathered group health plans from denying coverage to children with pre‐existing conditions. Effe...
InsuranceGuru on May 5, 2010 0
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How To Underwrite Insurance
Insurance Insider:
Insurance companies have their own rules and guidelines that they follow when they write an insurance policy. However, states have laws and regulations about what is acceptable and what is not acceptable in the insurance underwriting industry. Insurance companies are regulated by the states. We will examine how to underwrite insurance for medical insurance, life insurance, and home insurance policies.
First, medical insurance is probably the most expensive. How does one underwrite medical insurance? Medical insurance is underwritten by examining what information is on the application for he...
Insurance Expert on February 12, 2010 0
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Replacing a Policy
Insurance Insider:
If you’re thinking of replacing your life insurance policy with a new one, here are some things you should consider, according to the Life Insurance Buyer’s Guide published by the National Association of Insurance Commissioners:
1. If you decide to replace your policy, don’t cancel your old policy until you have received the new one. You then have a minimum period to review your new policy and decide if it is what you wanted.
2. It may be costly to replace a policy. Much of what you paid in the early years of the policy you have now paid for the company’s cost of selling ...
Insurance Expert on February 7, 2010 0
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How an Insurer Receives an Application for Insurance
Insurance Insider:
People today need more insurance policies. As a result, insurance has become an important part of stability in case of a certain loss. You can consider insurance as a safeguard for you and your family. You can feel secure knowing that if something may happen to your house or your properties, your family will not suffer.
Insurance is a contract between the policy owner (benefactor/client) and the insuring company (insurer/insurance group). The contract states that the insurance company, upon the unfortunate incidence of the policy
owner’s death, incapacitation, or serious illness, agrees ...
Insurance Expert on December 21, 2009 0
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How An Insurance Company Makes Money
Insurance Insider:
worked in the insurance industry for 16 years and saw first hand how profitable an insurance company can be. I will not attempt to go into the nitty gritty details but I will give you a pretty good idea in the form of an overview, how profitable a venture an insurance company can be.
Insurance is a form of risk management. It is purchased to avoid the possibility of a large, potential future loss. To compensate the insurance company for taking on this potential future payout, the insured pays the insurance company a certain sum of money known as the premium. In return for the payment of the...
Insurance Expert on December 15, 2009 0
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US Banks Prepaying $45B in Insurance Fees
Insurance Insider:
U.S. banks will prepay about $45 billion in premiums to replenish a federal deposit insurance fund now in the red, under a plan adopted by federal regulators.The Federal Deposit Insurance Corp. board voted Thursday to mandate the early payments of premiums for 2010 through 2012. Amid the struggling economy and rising loan defaults, 120...
InsuranceGuru on November 16, 2009 0
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How To Select a Business Insurance Provider
Insurance Insider:
If one were to select a competent employee, a suitable day care center for your kids, or any other service the first would be to spread the word among people in the know. The ‘modus operandi' would be no different in selecting a good insurance provider for your business. Being your own business you are certain of your requirements, e.g. you would be well versed with: (a) various risks your business is exposed to - market fluctuations, natural calamity, the political environment, etc; (b) your budget for premium payments for adequate coverage, and so on. Essentially, you should be looking to ...
Insurance Expert on November 11, 2009 0
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The Importance Of Property Insurance
Insurance Insider:
The basic goal behind buying insurance is to make you financially whole following a loss. You agree to pay a (relatively) small fee to an insurance company today, causing a small but certain loss to you now, in exchange for a guarantee from the insurance company that it will bear the burden of a large but uncertain loss in the future.
Let's say that you have a house that you own, free and clear - with no insurance. As long as you continue to pay your property taxes, you have every right to enjoy the ...
Insurance Expert on November 11, 2009 0
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It's Raining Lawsuits: Do You Need An Umbrella Policy?
Insurance Insider:
It's impossible to predict whether you might lose a lawsuit resulting from a car accident or an accident on your property. Nor is it possible to predict the amount that might be awarded to the winning party, an amount that you would be responsible for paying. To protect yourself against the possibility of devastating financial loss from these unforeseen events, you may want to purchase an umbrella policy.
What Is an Umbrella Policy?
An umbrella policy protects your existing personal assets and future personal assets (like wages, your inheritance or that lottery you're plan...
Insurance Expert on November 11, 2009 0
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Benefit Issues When Your Employer Goes Bankrupt
Insurance Insider:
In any economy, good or bad, businesses of all sizes have the potential to fail. But what happens to insurance benefits you have through your employer when your workplace files for bankruptcy? If you're worried that your company might go belly-up, read on to find out how this will affect your benefits and what you can do to protect yourself.
Employer-Based Insurance
An employer-based insurance plan is an agreement between your employer and an insurance company. Workers can purch...
Insurance Expert on November 9, 2009 0
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Is Your Insurance Company Going Belly Up?
Insurance Insider:
Come rain, sleet, snow or bankruptcy, your insurance company needs to be able to cough up the cash to pay out your insurance claims when you need the money the most. If this doesn't happen, you won't have the money to pay your medical bills, to replace your car in case of an automobile accident, or to rebuild your home in the event of a natural disaster.
Your insurance company's financial position needs to be on solid footing. To ensure that you'll get the money you need in an emergency - even if the company's financial position worsens - you need to do some research into your company'...
Insurance Expert on November 6, 2009 0
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Insuring A Credit Card Against Job Loss
Insurance Insider:
When you feel like your job is teetering on a cliff due to impending layoffs, thoughts of every bill you have and how you are going to pay them are at the front of your mind. In this tidal wave of numbers, buying involuntary unemployment credit card (IUCC) insurance that offers to make payments on your credit card balances while you are unemployed seems likes a great idea. But does it work out for you in the long run?
What is IUCC Insurance?
This is an insurance p...
Insurance Expert on November 6, 2009 1
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Medicaid Vs. Long-Term Care Insurance
Insurance Insider:
The most commonly utilized and misunderstood aspects of the U.S. Medicaid program are its long-term care (LTC) benefits. Medicaid is not synonymous with long-term care insurance, but many who plan to rely on it are unaware of this. As a result, they find themselves without the care they really need or desire. Before you "plan" to have Medicaid cover your LTC needs, it is important to understand its coverage and how it differs from LTC insurance.
Background
Medicaid is a multi-part program designed to provide a wide variety of medical and custodial services to those who can...
Insurance Expert on November 6, 2009 0
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How An Insurance Company Determines Your Premiums
Insurance Insider:
Do you know your insurance score? Most people don't even realize that they have one until they receive an "adverse-action" notice in the mail notifying them that, based on their insurance score, they don't qualify for the lowest pricing available from their insurance provider. To help you decipher what all this means, here we go over what the insurance score is, how it's calculated and some things you can do to improve it.
The Shroud around the Mystery
If you ever get one of these adverse-action letters, any efforts to dig a little deeper into the circumst...
Insurance Expert on November 5, 2009 0
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Insurance 101 For Renters
Insurance Insider:
Even if you don't think you've got anything of great value, you probably do - more than you could comfortably afford to replace in the event of a bad burglary or a fire. No matter how careful you may be with your own apartment, you can't control your neighbors. They can leave your security gates open, buzz ill-intentioned strangers into your building, or fall asleep with a cigarette in hand and start a serious fire. While your landlord's insurance may cover the building itself, the insurance will not cover the contents of your apartment. Additionally, if a visitor to your apartment were to hav...
Insurance Expert on November 5, 2009 0
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Understanding FDIC insurance
Insurance Insider:
The FDIC — Federal Deposit Insurance Corp. — is a U.S. government corporation created in 1933 that insures deposits in member banks. Members must meet certain liquidity and reserve requirements, and are assessed a premium based on these requirements and the balance of insured deposits. Insured institutions are required to post specific FDIC signage in their place of business. In the event a member bank becomes insolvent, the FDIC could utilize the payout method. The FDIC would determine the insured amount for each depositor and pay that a...
Insurance Expert on October 24, 2009 0
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