The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.
Brian E. Johnson ACAS, MAAA is the Chief Underwriting Officer for the Nonprofits Insurance Alliance. Mr. Johnson has worked in the consulting, insurance and re-insurance industry for 28 years. Prior to joining the Alliance, Mr. Johnson managed a Treaty Reinsurance Underwriting/Costing team at Swiss Re. Prior to Swiss Re, he was with Employers Re from 2003-2006 as a Senior Underwriter/Account Executive and a Senior Actuary. Mr. Johnson was with American Re from 1996-2003 and held the positions of Underwriting Risk Manager, Treaty Underwriting Manager and Actuarial Manager. He began his career in 1989 in the Actuarial field with Ernst & Young as an Actuarial Consultant in Atlanta and also worked as a Primary Insurance Rating Actuary at USF&G in Baltimore. Mr. Johnson holds a BS in Mathematics/Actuarial Science from Penn State University and is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. Mr. Johnson has worked with various nonprofits in the past including serving on the board of the Mid-State Literacy Council in Central Pennsylvania.
Because we are an independent Texas insurance agency, we provide more options and better rates than agencies representing only one or two insurance carriers in the DFW area. We compare the rates of a ton of different top-rated insurance companies to help you get the car, home, commercial, motorcycle, and boat insurance coverage you need at the most competitive rate.
Whether you’re a new homeowner or have lived in your house for years, we know how important your home is to you. Homeowner’s insurance doesn’t just protect your house and property, it also protects your belongings, yourself and your guests. You’ve put a lot of hard work into providing a home for yourself and your family. Talk to your local independent agent for personal advice on the best combination of homeowners insurance coverage, value, and price to protect your hard earned investment.
Al Boenker Insurance Agency of Texas serves the insurance needs of the entire Dallas and Fort Worth areas. Whether you need an insurance agent for auto insurance, homeowners insurance, commercial business, motorcycle insurance, or boat insurance for your family or employees, we can help you find the most competitive rates from leading companies. Read more about the different cities and communities that we serve in the Dallas/Fort Worth Metroplex.
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They cannot provide you with any final answers. Calculators only allow you to perform "hypotheticals," recalculating and generating new results as you make and input new assumptions. Using these tools and educating yourself on the workings of life insurance and other financial products, however, can help you feel more comfortable when discussing your needs with professionals like a New York Life agent.

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Life insurance policies often have hidden costs, such as fees and large commissions, that you may not find out about until after you purchase the policy. There are so many different kinds of life insurance, and so many companies that offer these policies, that you should use a fee-only insurance adviser who, for a fixed fee, will research the various policies available to you and recommend the one that best suits your needs. To ensure objectivity, your adviser should not be affiliated with any particular insurance company and should not receive a commission from any policy.
Living near a full-time fire station with a nearby hydrant plays a role in your home insurance rates. The reason an insurer wants a home near a fire department and hydrant is that there is less chance of your home burning down if you live near a fire station. Having a hydrant nearby also means that firefighters can start battling a house fire faster than if the hydrant is down the street -- or even miles away.
Automated Life Underwriting is a technology solution which is designed to perform all or some of the screening functions traditionally completed by underwriters, and thus seeks to reduce the work effort, time and/or data necessary to underwrite a life insurance application.[19] These systems allow point of sale distribution and can shorten the time frame for issuance from weeks or even months to hours or minutes, depending on the amount of insurance being purchased.[20]

Whether you’re a new homeowner or have lived in your house for years, we know how important your home is to you. Homeowner’s insurance doesn’t just protect your house and property, it also protects your belongings, yourself and your guests. You’ve put a lot of hard work into providing a home for yourself and your family. Talk to your local independent agent for personal advice on the best combination of homeowners insurance coverage, value, and price to protect your hard earned investment.


Most people are familiar with or have worked with an insurance agent at some point in their lives. However, a broker has an entirely different role from an insurance agent. Unlike insurance agents, insurance brokers do not work for an insurance company. They work for their clients, providing advice on the best insurance options for their clients’ needs. Their goal is to support their clients’ interests — not to sell a particular policy on behalf of an insurance company.
This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from The Business Benefits Group will contact you to provide requested information.
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Homeowners insurance policy is different from a home warranty. A home warranty is a contract taken out that provides for repairs or replacements of home systems and appliances such as ovens, water heaters, washers/dryers, and pools. These contracts usually expire after a certain time period, usually 12 months, and are not mandatory to have in order to be issued a mortgage. While homeowners insurance does not cover damages that result from poor maintenance or inevitable wear and tear, home warranty covers such issues.
There are also a few different ways your claim will be settled depending on your policy. Actual Cash Value will reimburse you for the replacement cost minus any depreciation. Because the cost can vary so much over time when it comes to property, this kind of policy could mean the limit on your coverage ends up coming in significantly below the cost to repair or even rebuild your home.
Rates quoted are subject to change and are set at the company's sole discretion. Rates for other underwriting classifications would be higher. Further underwriting restrictions may apply. Other face amounts and guaranteed premium terms are available but will have different rates than those shown here. Premium may be paid annually, semi-annually, quarterly or monthly; premium paid may differ based on payment mode selected. A medical exam may be required depending on age, health or amount of coverage requested.
In the United States, brokers are regulated by the state (or states) in which they work. Most brokers are required to have an insurance broker license, which involves taking courses and passing an examination. Each state has different requirements for insurance brokers, which a broker must meet to be licensed in that state. Most states require insurance brokers to take continuing education courses in order to maintain their license.
Whether you’re a new homeowner or have lived in your house for years, we know how important your home is to you. Homeowner’s insurance doesn’t just protect your house and property, it also protects your belongings, yourself and your guests. You’ve put a lot of hard work into providing a home for yourself and your family. Talk to your local independent agent for personal advice on the best combination of homeowners insurance coverage, value, and price to protect your hard earned investment.
Your home's claims history -- The claims history includes both your filed claims and ones that previous owners filed. If you file more than one claim in a 10-year period, you can expect your insurance rates to increase. They'll increase even more if you file more home claims. That could even cause your insurance company to drop you because you're considered too much of a risk.
The Premier package comes with the highest limits and coverage on personal property, and can include Guaranteed Replacement Cost coverage for your home if certain requirements are met. When Guaranteed Replacement Coverage applies, Farmers will reimburse 100% of the cost of rebuilding after a covered loss on the same premises, regardless of your policy’s limits.

According to the section 80C of the Income Tax Act, 1961 (of Indian penal code) premiums paid towards a valid life insurance policy can be exempted from the taxable income. Along with life insurance premium, section 80C allows exemption for other financial instruments such as Employee Provident Fund (EPF), Public Provident Fund (PPF), Equity Linked Savings Scheme (ELSS), National Savings Certificate (NSC), health insurance premium are some of them. The total amount that can be exempted from the taxable income for section 80C is capped at a maximum of INR 150,000.[26] The exemptions are eligible for individuals (Indian citizens) or Hindu Undivided Family (HUF).


By hitting submit, I agree to receive autodialed calls and texts from Aflac, an independent contractor Aflac associate, and an Aflac Partner, such as Sutherland Global Services, MG LLC d/b/a TRANZACT or Clear Link Insurance Agency, LLC working at Aflac’s request, at the number provided. Message and data rates may apply. I understand I may also receive text messages about the status of my Aflac application and am not required to provide my consent as a condition of accessing Aflac’s website or purchasing Aflac’s products.
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.

Looking to buy life insurance for the first time? If so, you're probably asking yourself questions, such as "How much do I need?," "What kind of policy is best?," and "Which company should I buy from?" There's no question that buying life insurance for the first time, like any other new experience, can be more than a bit daunting. Below are six important tips that we hope will make the process smoother by eliminating frustrating false starts and unnecessary bumps in the road.
6The monthly rate shown is for Preferred Elite based on a Male, age 37. Allstate Lifetime UL® is a flexible premium universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series AC13-12. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract series NYLU676.
Allstate also offers the most discounts of all the companies on our list — 11 total. These include standard discounts like hosting smoke alarms, fire extinguishers, or deadbolt locks, as well as unique offers, like one for signing up before your current policy expires. First-time customer with Allstate? You’ll get another price slash for your first two years with the company.
Insurance Brokers work the consumer vs. insurance agents who work for the insurance company.  Brokers are very knowledgeable with both personal and commercial insurance. Utilizing state-of-the-art rating software to find the most affordable insurance policies to fit your needs and budget. Insurance Brokers save time, money and energy when shopping for lower cost insurance.

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Insurers review many factors when calculating your home insurance rate. Some of these variables are beyond your control, but you do have some influence over how much you pay for home insurance. By pricing other insurers every few years at least, choosing a higher deductible, making sure you get all the discounts that you can and not filing too many claims, you can do your part to get the lowest insurance rates possible for your home. We'll explain these topics in detail:
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Acts of war or acts of God such as earthquakes or floods are typically excluded from standard homeowners insurance policies. A homeowner who lives in an area prone to these natural disasters may need to get special coverage to insure his or her property from floods or earthquakes. However, most basic homeowners insurance policies cover events like hurricanes and tornadoes.
You may get a cheaper quote from Allstate, but customers have mixed views as to whether they’re getting their money’s worth. The company’s 3/5 rating from J.D. Power and its score of 80 from Consumer Reports indicate that Allstate customers are less satisfied than Amica customers when it comes to policy price, interactions, and claims. But if price truly is the most important factor to you, Allstate may very well offer you the cheapest quote. 

Example (Comprehensive): You park your car outside during a major hailstorm, and it's totaled. If you have comprehensive, we'll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop, and cause $2,000 worth of damage to your vehicle. If you have collision, we'll then pay for your repairs (minus your deductible amount).

In the United States, life insurance companies are never legally required to provide coverage to everyone, with the exception of Civil Rights Act compliance requirements. Insurance companies alone determine insurability, and some people are deemed uninsurable. The policy can be declined or rated (increasing the premium amount to compensate for the higher risk), and the amount of the premium will be proportional to the face value of the policy.
Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in its underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group. Contract provisions will attempt to exclude the possibility of adverse selection. Group life insurance often allows members exiting the group to maintain their coverage by buying individual coverage. The underwriting is carried out for the whole group instead of individuals.
An early form of life insurance dates to Ancient Rome; "burial clubs" covered the cost of members' funeral expenses and assisted survivors financially. The first company to offer life insurance in modern times was the Amicable Society for a Perpetual Assurance Office, founded in London in 1706 by William Talbot and Sir Thomas Allen.[3][4] Each member made an annual payment per share on one to three shares with consideration to age of the members being twelve to fifty-five. At the end of the year a portion of the "amicable contribution" was divided among the wives and children of deceased members, in proportion to the number of shares the heirs owned. The Amicable Society started with 2000 members.[5][6]
Homeowners insurance quotes, in states where Esurance homeowners insurance is not available, are provided by Answer Financial, Inc or Security First Insurance Company for FL residents. Homeowners insurance claims are processed and paid by the underwriting company. Esurance does not underwrite, provide customer service, or pay claims for any homeowners policies sold by Answer Financial or Security First Insurance Company.
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.

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