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Life insurance

Would your family suffer financially, were you to die unexpectedly? According to research conducted for the National Association of Insurance Commissioners (NAIC), less than half of young families have life insurance for either spouse that they have purchased on their own. Because planning for life's uncertainties will help secure a financial future for those you love, the NAIC suggests you review your insurance needs to help ensure you have the right policy for your financial situation and your family composition. Decide how much you need The first step to purchasing life insurance is to decide how much coverage you need, for how long and what you can afford to pay. Keep in mind the major reason you buy life insurance is to cover the financial effects of an unexpected or untimely death. Life insurance also can be one of many ways to plan for the future. Here are some questions to ask before buying:

Read more... http://www.nd.gov/ndins/consumer/life-insurance/

Bad Faith Expert Witness

An insurance article... Health Insurance - 411 Small Business Facts

• In May 2003, 91 percent of small-business owners had health insurance for themselves. Approximately one-third obtained their coverage through their business. Nearly one-quarter purchased non-group coverage.

• Those owners without personal coverage were of two types. Forty-two (42) percent had been without coverage for 12 months or less. However...

Read more...  http://www.411sbfacts.com/sbpoll.php?POLLID=0011&KT_back=1

Insurance Expert

A new insurance article... 8 Insurance Coverage Areas to Review Annually

A once-a-year checkup can be beneficial to your bottom line

Annually review your insurance coverage. Your benefits insurance for your employees and the insurance specific to your business should be examined separately, but many of the same questions apply including costs, coverages, benefits, etc.

A good place to start might be a meeting with your current agent. This would be a great opportunity to review your coverage and ask them to recommend any changes that might be beneficial to your business. You might also consider talking to a second broker for a proposal to make comparisons and see if a totally different approach might best benefit you and your business.

Here are a few specific areas to look at as you conduct your year-end insurance checkup:

Read more ...  http://www.nfib.com/business-resources/business-resources-item?cmsid=48080

Bad Faith Insurance Expert

An insurance article... New Orleans area deserves better insurance options, prices as hurricane season begins, officials say, May 29 2011, By Rebecca Mowbray, The Times-Picayune The Times-Picayune

Clad in hard hats and sturdy shoes, about 20 insurance executives from around the country tromped through the new state-of-the art concrete flood defenses fortifying the New Orleans area to decide for themselves whether the region is safer -- and more insurable -- than it was six years ago.

 Their impressions could have a big effect on how easy it is for...

Read more...  http://www.nola.com/hurricane/index.ssf/2011/05/new_orleans_area_deserves_bett.html

Insurance-Expert

Do I need accident and health insurance on my car loan?  by Anita Johnston on 12/27/2010 07:45 AM

When buying a new car the majority of individuals are not often prepared for a few of the questions they will be asked when they enter the finance office at the dealership, such as if they want to add accident and health insurance to their car loan. Most just say yes or no without really understanding what the insurance is for and if they actually need this insurance.

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Bad Faith Expert Witness

Here is an insurance article... Texas Department of Insurance Issues ... - Workers Comp Kit Blog

6 days ago – Texas Department of Insurance Issues Disciplinary Orders ... Among the many disciplinary orders posted for 2011 are the following:(WCxKit) ...

Bad Faith Insurance Expert

Here is an insurance article... General Insurance Current Issues Newsletter February 2011 | The ...

Feb 1, 2011 – General Insurance Current Issues Newsletter February 2011. Author: GI Communications Committee. Source: GI Communications Committee ...

Bad Faith Expert

Here is an insurance article... White Paper: Major P&C Insurance Issues 2011 Florida Legislative ...

March 4, 2011 – Major Property & Casualty Insurance Issues 2011 Florida Legislative Session ( These bills are supported by the Florida Insurance Council. ...

Insurance Expert Witness Testimony

Here is an insurance article...  Court Strikes Down Individual Mandate

In the latest battle in the legal war over health reform, the US Court of Appeals for the 11th Circuit has struck down the Affordable Care Act's minimum coverage requirement but left the rest of the statute intact

Insurance Expert Witness

Here is an insurance article... Interpreting the Latest Affordable Care Act Case

A close look at the latest opinions in the legal battle over health reform reveals the values at stake and the likely future contours of the dispute