4 If your rental car were damaged in a covered loss, this coverage would provide additional protection under your policy’s Physical Damage Coverage (subject to deductible). We would pay the expenses to the rental agency for: loss of use (the rental agency’s loss of rental income); reasonable fees and charges (e.g., storage fees incurred by the rental agency); and loss of market value of the damaged rental. Not available in NC.
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Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI), 100 Salem Street, Smithfield, RI 02917, and, in New York, by Empire Fidelity Investments Life Insurance Company®, New York, N.Y. FILI is licensed in all states except New York. Other insurance products available at Fidelity are issued by third party insurance companies, which are not affiliated with any Fidelity Investments company. Fidelity Insurance Agency, Inc. is the distributor. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.
It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services, or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.
Well, actually, that was a fairly slanted article from someone who is advocating in his best interest from his point of view. Most Brokers are highly ethical and Brokers (not agents) DO have a fiduciary responsibility to their clients. Most CFO’s also do not allow their Brokers to “last minute” them nor have an uncontrolled process. One of the biggest problems is not the Broker or Agent, but divisional reluctance to co-ordinate safety and loss prevention efforts WITH the CFO so that the CFO has a basis to negotiate with first of all, and for the organization to take a portion of it’s risk and self-insure where financially appropriate. For example, the adoption of telematics in fleets has moved very slowly and their is no good reason for proactive management to have allowed that to happen. That takes proactive risk management and coordination which is why many CFO’s have a risk manager position in their department.
The Business Benefits Group is a full-service agency offering affordable, comprehensive insurance strategies for businesses. Our aim is to protect your assets by providing professional risk-management solutions. Whether you are a new or established business, you need the right type of insurance to protect your interests. When you contact BBG regarding our business insurance services, we will determine the best plan for you according to the needs of your business, the number of staff you have, risks that you may be facing, and similar factors. Call our office today to learn more about how we can protect your business or request a consultation online.
Insurance Lapse Company
Life insurance is designed to provide families with financial security in the event of the death of a spouse or parent. Life insurance protection can help pay off mortgages, help provide a college education, help to fund retirement, help provide charitable bequests, and, of course, help in estate planning. In short, if others depend on your income for support, you should strongly consider life insurance.
Allstate earns its spot on our list by having the most discounts. Whether you want a price break for bundling, setting up automatic premium payments, or securing your home with burglar alarms and fire extinguishers, you can find a discount from Allstate. Unlike other providers, Allstate also has a “welcome” discount that lasts for your first two years, plus a discount for early shoppers who sign up before their current policy expires.
Progressive’s service varies heavily by state. As the company explains, “Insurance through the Progressive Home Advantage program is underwritten by select companies that are not affiliates of Progressive and are solely responsible for claims, including Homesite Group Incorporated, IDS Property Casualty Co., and ASI Lloyds, and their affiliates.” Basically, Progressive isn’t selling its own homeowners insurance, but has partnered with another company (the one that will pay your claim) in order to offer that insurance to its customers. If you’re already a Progressive customer, no need to stray. If you’re considering opening a policy with Progressive, though, be aware that your options for discounts and coverage will vary by state.
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Recently, viatical settlements have created problems for life insurance providers. A viatical settlement involves the purchase of a life insurance policy from an elderly or terminally ill policy holder. The policy holder sells the policy (including the right to name the beneficiary) to a purchaser for a price discounted from the policy value. The seller has cash in hand, and the purchaser will realize a profit when the seller dies and the proceeds are delivered to the purchaser. In the meantime, the purchaser continues to pay the premiums. Although both parties have reached an agreeable settlement, insurers are troubled by this trend. Insurers calculate their rates with the assumption that a certain portion of policy holders will seek to redeem the cash value of their insurance policies before death. They also expect that a certain portion will stop paying premiums and forfeit their policies. However, viatical settlements ensure that such policies will with absolute certainty be paid out. Some purchasers, in order to take advantage of the potentially large profits, have even actively sought to collude with uninsured elderly and terminally ill patients, and created policies that would have not otherwise been purchased. These policies are guaranteed losses from the insurers' perspective.
Converting term life to whole life insurance can be an excellent way to continue your life insurance policy and also build cash value that you can borrow from. There are many different ways to structure this type of policy, depending on your needs and goals, so be sure to work with a life insurance professional who can answer all of your questions and help you make the best choices.
A broker can also give you the satisfaction knowing that you are adequately insured against all potential liabilities. Whether you are concerned about your company being sued for selling a defective product or about what would happen if you had a fire at your house, an insurance broker can address each of these issues and can build a comprehensive insurance plan to make sure that each and every one of your liabilities concerns is addressed.
I've been with Al Boenker Insurance for years and years and LOVE them! When we needed to insure two teenage drivers, Al Boenker was the ONLY insurance carrier who delivered a rate that didn't break the bank. When we figured out how much we could save by rolling our home and car together... it was a no brainer. STILL glad we said, "Thanks AL" and STILL saving money today.
The sale of life insurance in the U.S. began in the 1760s. The Presbyterian Synods in Philadelphia and New York City created the Corporation for Relief of Poor and Distressed Widows and Children of Presbyterian Ministers in 1759; Episcopalian priests organized a similar fund in 1769. Between 1787 and 1837 more than two dozen life insurance companies were started, but fewer than half a dozen survived. In the 1870s, military officers banded together to found both the Army (AAFMAA) and the Navy Mutual Aid Association (Navy Mutual), inspired by the plight of widows and orphans left stranded in the West after the Battle of the Little Big Horn, and of the families of U.S. sailors who died at sea.
Your homeowners policy covers more than just your home. Every policy includes personal liability protection, which may cover injury or property damage to others caused by you or a member of your household. In addition, your policy includes medical payments coverage for minor injuries to people who don't live with you but are injured on your property.
Amica offers nearly as many discounts as Allstate, with exclusive discounts for being a long-time customer and for opting into e-bill pay. Essentially, by doing less (mailing bills and switching providers), you’ll save money with Amica. However, Amica comes up a little short on discounts for new and renovated homes — you’ll want to turn to Allstate for price breaks on those.
When you start your search, you can pick an independent agent or a captive (or direct) agent. An independent agent may sell policies from many different companies. A captive agent sells insurance for only one company. Independent and captive agents represent insurance companies and receive a commission from the insurance company for the sale of its policies.
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Deciding whether to purchase whole life or term life insurance is a personal decision that should be based on the financial needs of your beneficiaries as well as your financial goals. Life insurance can be a very flexible and powerful financial vehicle that can meet multiple financial objectives, from providing financial security to building financial assets and leaving a legacy.
Brokers are licensed by the state or states in which they operate, and they are required to represent their clients’ best interests. This duty helps to ensure that a broker will steer clients to the best insurance for them, rather than to a particular company or to a specific policy. Brokers rely on repeat business from their clients, which also motivates them to make sure that their clients have the best possible coverage. In many cases, brokers may receive an additional commission if you renew your insurance plan — giving brokers an extra incentive to make sure that you have optimal coverage and that you are satisfied with your policies.