Flood Insurance 2.0, Delayed to 10/1/2021 Time to get out in Front of Significant Flood Insurance Premiums It’s of little surprise that FEMA, and then NFIP (National Flood Insurance Program) have a major problem. As the primary provider of flood insurance, and at times running a deficit as high as $50 billion (currently at $20 [...] Read More

Prevention - Your Primary Instrument for Home Premium Control Every Step Will Pay Dividends It wasn’t that long ago that insurance companies aggressively pursued home owners for the opportunity to provide Home Insurance, but that has all changed. Most of that change has been driven by data, data that includes a wide range of metrics [...] Read More

Valentine’s Day Nothing says love like a special gift on Valentine’s Day. If you’re gifting your better half with a beautiful bauble, remember that you will need to let your insurance agent in on the secret so they can add your gift to your valuables policy. "The right insurance can replace your fine jewelry or [...] Read More

Policy Audits on Permanent Life Insurance Prolonged Low Yield Bond Rates Should be Investigated It would be normal to think that the Pandemic might be a concern to life insurance companies. I would guess that it is a concern, but the long term low interest rate environment relative to “inforce” permanent life insurance policies is [...] Read More

Prospective Premium Rate Trends For Home Insurance It is very interesting to be an independent insurance agent in the face of Global Warming. It’s of little surprise that rates are going up, but having options give us some latitude in dealing with the increases. "It’s of little surprise that rates are going up" Here is [...] Read More

Covid Driven Changes. Thinking of making Renovations to Your Home? Here are some Guide posts! You could refer to it as the next migration, or a flood of city dwellers to the suburbs. Whatever the term, real estate sales are robust, with an added objective to set up that remote office for the new electronic [...] Read More