Insurance Agency News

Flood insurance rates can hurt the wallet. Wouldn’t be nice if your wallet was impacted less? The NFIP is trying to modernize the program to do that. In this blog we will discuss this problem, the solution that is being…

2020 has been a year that no one will ever forget. There are three things we want to look at in 2020 and how they could impact the future of coastal private flood insurance. Covid Social Injustice Hurricanes    …

Flood insurance — just like any insurance policy — is bound to have a lot of documents attached to it. It’s important to know the purpose of these. In this article, we want to talk about federal flood insurance and…

Today, the Centers for Medicare & Medicaid Services (CMS) released new data that shows returning consumers can save, on average, 40% off of their monthly premiums because of enhanced tax credits in the American Rescue Plan (ARP), which  President Biden has…

Can You Get Car Insurance with a Suspended License? Yes, you can get car insurance with a suspended license however some insurance companies may not be willing to insure you. And to drive legally you probably may need to apply…

If you haven’t yet purchased a life insurance policy to protect your family’s financial future, you mustn’t wait any longer. We provide life insurance to consumers in Aliso Viejo, CA, at Breathe Insurance. The following are three important reasons why…

Breathe Insurance assists the Aliso Viejo, CA community, as well as the surrounding areas by offering different types of insurance policies. We take the time to listen to our clients and help them find policies that closely align with their…

Although your state, like auto insurance, does not legally mandate home insurance, it is important to know that it is necessary, not an option. Many lenders will require you to have coverage if you carry a mortgage. Keep in mind…

If you have recently become a lucky owner of a dream condo, it is time to start thinking of proper condo insurance. In order to have the right information about this type of insurance and get the perfect coverage to…

Owned by Kevin from Ajax, ON ​I am the second owner of the 73 since 1992. The original color was Ontario orange and the EC came with a 350 2bbl, turbo 350 trans, 10 bolt rear end, console with floor…

Life insurance is an important form of protection. It helps you to sleep at night knowing your loved ones will be taken care of if something happens to you. Your need for life insurance does not stay the same throughout…

Life insurance is an important form of protection. It helps you to sleep at night knowing your loved ones will be taken care of if something happens to you. Your need for life insurance does not stay the same throughout…

Life insurance is an important form of protection. It helps you to sleep at night knowing your loved ones will be taken care of if something happens to you. Your need for life insurance does not stay the same throughout…

Life insurance is an important form of protection. It helps you to sleep at night knowing your loved ones will be taken care of if something happens to you. Your need for life insurance does not stay the same throughout…

A huge part of maintaining a smooth health ecosystem is trust. Particularly, trust between healthcare providers and their patients. A survey from NBC News found only 44% of Americans trust the CDC’s communications regarding COVID-19. Patients with high levels of trust in…

Life insurance is an important form of protection. It helps you to sleep at night knowing your loved ones will be taken care of if something happens to you. Your need for life insurance does not stay the same throughout…

Life insurance is an important form of protection. It helps you to sleep at night knowing your loved ones will be taken care of if something happens to you. Your need for life insurance does not stay the same throughout…

Do I Need Both SR22 Insurance and Regular Insurance? No, you do not need SR22 insurance and regular car insurance. An SR22 can be added to an existing car insurance policy but sometimes people choose to buy a second policy…

If you’ve recently been diagnosed with a chronic ailment, you could be feeling a number of different emotions. If you’ve been battling symptoms for a while, having a name for your condition could offer a form of relief. The next…

Non-Owner Car Insurance and Broadform Car Insurance are simply endorsements added to a regular auto policy that change the definitions of a few key terms, primarily the definition of what is an insured car. Every company has different wording on…

Flooding can start from anywhere even inside your own home. When floods happen, sometimes it’s easy to assume that raising your home would easily be the best countermeasure, but did you know that you can still get flooded when all…

Flooding can start from anywhere even inside your own home. When floods happen, sometimes it’s easy to assume that raising your home would easily be the best countermeasure, but did you know that you can still get flooded when all…

Flooding can start from anywhere even inside your own home. When floods happen, sometimes it’s easy to assume that raising your home would easily be the best countermeasure, but did you know that you can still get flooded when all…

Flooding can start from anywhere even inside your own home. When floods happen, sometimes it’s easy to assume that raising your home would easily be the best countermeasure, but did you know that you can still get flooded when all…

Flooding can start from anywhere even inside your own home. When floods happen, sometimes it’s easy to assume that raising your home would easily be the best countermeasure, but did you know that you can still get flooded when all…

Flooding can start from anywhere even inside your own home. When floods happen, sometimes it’s easy to assume that raising your home would easily be the best countermeasure, but did you know that you can still get flooded when all…

Flooding can start from anywhere even inside your own home. When floods happen, sometimes it’s easy to assume that raising your home would easily be the best countermeasure, but did you know that you can still get flooded when all…

Just a week ago, we’ve seen another case of flooding in Birmingham, Alabama. The city just couldn’t get a break from floods. In this article, we look back at the plans to lower flood risk in Jefferson County and help…

Advantages of being with a Broker Choice and Expertise of Insurance Options The first and most obvious advantage to an insurance broker is that a broker has many insurance options to select from. Therefore an insurance broker can provide the…

If you’re considering loaning your car to a friend, you may have a few questions you would like answered. Does the car owner’s insurance cover an accident or does the driver’s insurance? Does your policy automatically cover anyone you let…

What is the difference between a health insurance agent and a health insurance broker? A health insurance agent is an individual who represents a health insurance company and sells health insurance plans. A health insurance broker, on the other hand,…

It’s the question that gets asked probably a hundred times a week. Insurance agents, property owners, and even banks want to know the answer. Everyday we see FHA loans fall apart because of flood insurance. Many times flood insurance through…

Liability-Only Insurance is Cheapest Liability-only insurance is the cheapest option if you are simply looking to meet the law’s minimum insurance requirements as it offers the least amount of protection. For car insurance in Washington, you can get liability-only insurance…

Flood zone AE also referred to as the 100 year flood zone has the highest premiums other than coastal areas. These are generally because most of the structures have a negative base flood elevation. So what determines the premiums of…

Worker’s compensation is a form of insurance that protects both employees and employers. For the employee, it provides healing time by replacing income lost from being out of work during injury or illness, and for the employer, it offers protection…

Worker’s compensation is a form of insurance that protects both employees and employers. For the employee, it provides healing time by replacing income lost from being out of work during injury or illness, and for the employer, it offers protection…

Worker’s compensation is a form of insurance that protects both employees and employers. For the employee, it provides healing time by replacing income lost from being out of work during injury or illness, and for the employer, it offers protection…

Worker’s compensation is a form of insurance that protects both employees and employers. For the employee, it provides healing time by replacing income lost from being out of work during injury or illness, and for the employer, it offers protection…

Worker’s compensation is a form of insurance that protects both employees and employers. For the employee, it provides healing time by replacing income lost from being out of work during injury or illness, and for the employer, it offers protection…

Worker’s compensation is a form of insurance that protects both employees and employers. For the employee, it provides healing time by replacing income lost from being out of work during injury or illness, and for the employer, it offers protection…

Business Overhead Expense (BOE) disability policy– for $3K/month tax free benefit paid to the business, with coverage payable for up to 24 months and a 30-day waiting period=cost of $79.30/month Individual disability policy– Based on declared income of $24,000 he…

Your flood insurance quote just expired and now the rate is higher.

Hello, Chris Greene, with the Flood Insurance Guru here, where we have an educational background in emergency management with a specialization in hazard and flood mitigation. So we can help you understand your flood insurance options, how to minimize your…

In this article, we want to talk about escrow billing nightmares from both the National Flood Insurance Program (NFIP) and the Private Flood Insurance Program. We discuss what you need to know about escrow billing flood insurance. We discuss how…

Owned by Wayne from LaSalle, ON I bought the car new for my wife to go back and forth to work, however I had it only 3 months and then had head gasket issues with the 3.8 liter engine. This…

Do I need business insurance for my LLC? That’s a question many people ask themselves before they start their first business. The answer is that it depends on the size of your company, what type of industry you’re in, and…

Utah is a great state to live in, especially if you’re looking for a cheap health plan. Almost everyone nowadays is looking for health plans that fit their budget. And while it can be tricky to find the right health…

In the late 1970’s, when I first started my career as an Insurance Broker it was common for people to carry liability insurance limits of $500,000. Then we saw the value of law suits increasing. This lead us to recommend…

According to a recent survey, a staggering number of US drivers – approximately 96% – are unaware of the fundamental elements of their auto insurance coverage. The poll, which interviewed almost 1,000 drivers across the country, looked at how well…

One of the most common questions we get is “Why do I pay that amount when my friend only pays $x”.  And there are many reasons why, but just like anything else that we buy, insurance rates are only locked…

One of my new clients this week said to me, “I didn’t realize how much stuff I had to do to retire, I thought you retired and could just relax”. What she was referring to was the fact that for…

When does an insurance company consider my home vacant? 95% of homeowners do not understand what happens to their insurance on their home when their house becomes empty or unoccupied.  Most people find out they do not have any coverage…

The Increase in Russian Cyberattacks As you are aware, the Russian Ukraine conflict has caused a lot of concern in the world, particularly in the cybersecurity field. We wanted to provide you with some insights, information, and related articles that……

Your home insurance deductible is one of the easiest things to use to help control the cost of your homeowners insurance. When choosing a deductible, what you are really doing is telling the insurance company how you view insurance. What…

Using the right tool for a job is key to success in any profession. Experts say the same principle applies when selecting an auto insurance policy. Having the right type of policy can help ensure that you, your employees and…

Don’t own a car? Do you still need auto insurance? One of the most common myths that we hear is that “I sold my car so I don’t need to keep my car insurance“. Technically this is not true in…

GOOD DRIVERS ARE RESPONSIBLE DRIVERS. Having proper Auto Insurance ensures your independence behind the wheel. From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen. At Beacon Point, we combine…

Setting up a backyard swimming pool can make those hot summertime’s a lot more enjoyable and relaxing, however could it get you into a great deal of financial difficulty too? The short answer is: yes. If you’re not properly covered,…

Whether you are a home owner or a renter, having an up-to-date inventory of your belongings can be an invaluable resource, particularly for insurance purposes. The contents of your home are covered up to a certain limit by your homeowner’s…

Your homeowners insurance is likely to be an HO-1, HO-2 or HO-3 form policy, otherwise known as the basic form, broad form or special form, regardless of the state in which you live. Each policy form is packaged with both…

A monoline commercial umbrella insurance is a type of policy that provides financial protection with extra liability coverage limits for your primary business insurance policies in addition to covering some exposure gaps in those policies for a wide range of…

Nothing beats the sensation of the fresh air rushing across your body as you ride a motorcycle, making every outing a journey that seems that much more memorable. You may be considering a motorcycle for commuting or for a new…

Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with permanent kidney failure (called “End-Stage Renal Disease”). You must have entered the United States lawfully and have lived here for…

Medicare is complicated. This is the major criticism against it. Many Medicare mistakes occur on a regular basis. Avoiding these mistakes ensures that you’ll have far fewer challenges in getting the care you require. If you haven’t enrolled in Medicare…

I’ve been gathering my thoughts so I can share some market information and prepare my clients for what is happening in the insurance industry. Rates are going up and people are wondering what is going on. Auto Insurance If you…

Starting this month, tens of millions of Americans will find it substantially more affordable to buy their own health insurance due in part to the generous financial help included within ARPA. The amount of money that you spend on health…

Homeowners Insurance Deductibles The deductible is the amount of money you have to write a check for before the insurance company will pay for damage to your home. For example, if you have a $1500 deductible and you file a…

A motorcycle is a significant investment. Before you get your motor running and head out on the highway this season, you owe it to yourself to make sure your insurance is up-to-date and you’re properly covered. “Just as riding a…

The HO-3 has been the standard homeowners insurance policy since the 1950s, and is adequate for most homeowners personal insurance needs. For older homes, it’s still an excellent choice. But today, there’s something much better, particularly for newer, well-maintained homes….

There are three different bases that an insurance company can use to value an insured auto. Lets first look at the one that almost everyone has on a typical insurance policy: Actual Cash Value (ACV) ACV translated means “What its…

Before you take that first pleasure cruise or fishing trip of the season, make sure your boat insurance is shipshape. Insuring a boat is different than insuring a car or home. Boats require specialized coverage. To avoid a sinking feeling…

Is someone requesting a certificate of insurance (COI) or proof of insurance from you? Request one here—simply completes the information requested and submit. Your certificate request will be a high priority for us and will be taken care of as…

If you’re a painting contractor, you know that you need liability insurance to protect yourself and your painting services business. But did you know that there are several types of liability insurance for painters and that not all policies are…

Now, for the first time, low-income people in Kansas and Missouri can buy health insurance on the federal exchange throughout the year. This new year-round enrollment period applies to those who earn 150% or less of the federal poverty line…

People in Kansas and Missouri who make 150% or less of the federal poverty line can now purchase health insurance on the federal exchange throughout the year. This brand-new year-round registration duration applies to those who make up to $39,750…

The latest news reports may lead people to believe that automobile insurance rates are on the rise. As we enter 2022, they have begun to return to their pre-pandemic levels. Auto insurers – anticipating fewer accidents as a result of…

The cost of insurance on a camper will depend on the year, make and model of the camper, as well as its value. There are many coverages you may want to consider that determine the cost of camper insurance. Typical…

Depending on how much you use your RV, and the value of the RV, annual insurance premiums can range from $200 to $2,000. Part-timers usually can expect to pay less than $1,000 while full-timers may pay as much as $2,000 to…

Workers’ compensation covers statutory obligations that are covered under a state-law. Employers liability insurance is coverage that protects an employer from lawsuits by employees who are injured or become ill as a result of their job duties. Employers liability insurance…

Compensation is not paid for the first three business days or less of disability if you are unable to work (this is called a waiting period). If you are unable to work for more than 14 days the “three-day waiting period” will…

Classification 8810, Clerical Office Employees, is applicable to workers who are engaged exclusively (100 percent) in clerical activities with no additional duties. In addition, clerical office employees must work in a separate area within which no work other than clerical office…

You might also see the acronym “NOC” at the end of a classification code. It stands for “not otherwise classified” and means you were given a general code for the position, not a specific one. Article Source

Workers’ comp insurance provides basic benefits, including medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits and a return-to-work supplement, and death benefits. Article Source

A class code is a three or four-digit numerical identifier given by NCCI or a State Rating Bureau like California’s WCIRB. The class code distinguishes one employment position from another by assigning a code to each job duty or area…

When a worker is injured, employers/insurers must file a First Report of Injury with the Division within 30 days from knowledge of the injury. We however recommend submitting the notice of first report of injury within 24 hours. Article Source

Workers’ compensation is a state-mandated, “no-fault” insurance system that compensates employees hurt on the job for medical care, time off to recover, and future wages. Employers obtain legal protection against employee lawsuits in exchange for no-fault insurance coverage. Article Source

You should report the incident to your employer immediately and get medical attention from an approved provider. Then you must file a workers compensation claim in a timely manner. Article Source

The cost of workers’ compensation insurance varies by state, as do the mandated benefits. There also are different rates depending on whether the employees covered are performing low-risk or high-risk jobs. Article Source

The employer pays the workers’ compensation insurance premiums. There is no payroll deduction, as for Social Security benefits. The employer is required by law to pay workers’ compensation benefits as established by individual state laws. Article Source

Employers who do not pay for benefits typically purchase workers’ compensation insurance to cover the benefits for employees. Employees are not responsible for paying for workers’ compensation benefits. Article Source

Workers’ compensation insurance helps protect businesses and their employees from financial loss when an employee is hurt on the job or gets sick from a work-related cause. Article Source

For a rough estimate of your dwelling coverage amount, you can simply multiply the square footage of the home by the local reconstruction cost per square foot. Keep in mind, the reconstruction cost will be different than new construction cost due…

You may ask your insurance company directly for your insurance score. However, be aware that there is not a universal insurance score since each insurance company can choose what factors they want when calculating the insurance score. Also note that…

Your homeowners insurance policy usually has limits and deductibles. The limit is the most your policy will pay for a loss. The deductible is how much you will have to pay out of pocket for a loss. Article Source

Rate level increases come about when an insurance company finds that their overall rates are too low given the expenses (losses) incurred from recent claims that have been submitted, and on trends in the industry towards more expensive repair and…

When catastrophes like fires, winds, or hailstorms are on the increase in your region, your property’s risk goes up, and insurance companies often raise rates in response. Damage from bad weather, like hail, wind, tornadoes and hurricanes, can also cause…

There are a few things to keep in mind when it comes to homeowners insurance and mortgage payoffs. First, your property taxes and homeowners insurance don’t go away once you pay off your mortgage Article Source

Generally speaking, newer homes will have lower homeowners insurance premiums than older homes. This is because newer homes are typically built to stricter code requirements, which can help to mitigate the risk of damage or loss. Additionally, newer homes tend…

Frequently Asked Questions Popular Search auto ins Article Source

Landlords do not need to have contents insurance unless they provide personal belongings as part of the rental agreement. If a landlord does choose to insure their contents, they are not required to do so. Article Source

No, changing insurance does not affect credit. Insurance companies may check your credit history when you apply for coverage, but this does not impact your score. Also, shopping around for insurance quotes will not lower your score since most insurers…

Ideally, your home inventory should catalog all of your belongings, including furniture, appliances, electronics, jewelry, and artwork. The more detail you can provide (e.g., make, model number, serial number), the easier it will be for your insurance company to process…

Frequently Asked Questions Popular Search auto ins Home Frequently Asked Questions Home Insurance Is it good to change home insurance? Some of the most common reasons homeowners consider changing home insurance are: Finding a better coverage with another insurer. Moving…

You should review your insurance coverages every year, however, you should compare insurance company options every 4-5 years. This allows you to ensure that you are getting the best possible rate. When comparing rates, be sure to consider the type…

A home inventory is simply a list of your personal possessions along with their estimated value. It’s important to create a home inventory for several reasons: 1) In the event of a fire, natural disaster, or theft, you’ll have a…

Renters insurance protects your belongings from loss, damage, or destruction following an insured event like a fire or theft. It also provides liability coverage if someone is injured while on your property. Without renters insurance, you would be responsible for…

Renters insurance is the best value by bundling it with your auto insurance. It’s also a good idea to shop around every few years to make sure you’re getting the best deal. However the auto/renters bundle discount on the auto…

While renter’s insurance isn’t required by law, it’s a good idea to have it if you’re renting any type of residence. That’s because your landlord’s insurance policy only covers the building itself, not your belongings. So if something happens to…

A rental dwelling policy (RDP), also called a dwelling fire policy or landlord policy, is a type of insurance policy that helps pay for property damage, injury and liability claims arising from renting out a dwelling. This type of policy…

Renters insurance does not cover the structure, or dwelling, where the tenant lives. It covers the contents of the dwelling and liability protection for the tenant. Article Source

The main difference between a short-term rental and vacation rental is the length of time that the property is rented for. A property that is rented for anywhere between one evening and one month (30 days) is considered a short…

Homeowner’s Insurance Policies Typically Won’t Cover Airbnb Airbnb is a business transaction; therefore, you’ll typically need a commercial insurance policy with a few exceptions. If you currently live in the home AND renting on Airbnb, you will want to find…

To best protect your vacation rental property, you want a policy that provides comprehensive coverage for a range of risks associated with your vacation rental. This type of policy will protect you from losses due to things like damage caused…

Your annual out-of-pocket maximum is the most you have to pay for covered services in a plan year. Once you reach this amount, your insurance company will cover 100% of the cost of covered services for the rest of the…

A calendar year deductible, which is what most health plans operate on, begins on January 1 and ends on December 31. You will need to pay your deductible for each new plan year. All individual and family health insurance plans…

The cost of COBRA coverage is typically high because the newly unemployed individual is responsible for paying the entire premium themselves. You no longer get the benefit of your company subsidizing some or all of the health insurance costs. In…

Typically, ACA insurance is more affordable than COBRA insurance because you can qualify for subsidies that lower the cost of your premiums. You also don’t have to worry about pre-existing health conditions to qualify for coverage with an ACA plan….

Your group health plan may require you to pay for COBRA continuation coverage. The amount charged cannot exceed 102% of what it would have cost the company if they had covered similar individuals without an event happening, which means that…

A group health plan may terminate coverage earlier than the end of the maximum period for any of the following reasons: Premiums are not paid in full on a timely basis; The employer ceases to maintain any group health plan…

COBRA requires that continuation coverage extend from the date of the qualifying event for a limited period of 18 or 36 months. The length of time depends on the type of qualifying event that gave rise to the COBRA rights….

If you are entitled to elect COBRA coverage, you must be given an election period of at least 60 days (starting on the later of the date you are furnished the election notice or the date you would lose coverage)…

If you’re unemployed, you may be able to get an affordable health insurance plan through the Health Insurance Marketplace. You can use the Health Insurance Marketplace to compare plans and see if you qualify for savings. Click here for more…

Yes, You Can Get COBRA Insurance After Quitting Your Job The coverage is to be the same employee sponsored group health plan the worker had previous to quitting their job. This protects workers, spouses and dependents with who need the…

Frequently Asked Questions Popular Search auto ins Article Source

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families the right to continue health insurance coverage after a job loss or other qualifying event. COBRA allows people to maintain their health insurance for up to 18 months,…

The main difference between health insurance and medical insurance is Health insurance is typically more comprehensive, covering a wider range of services and treatments. Medical insurance, on the other hand, tends to be more focused, providing coverage for specific medical…

An individual health insurance policy typically covers emergency medical expenses resulting from hospitalization costs and outpatient procedures. It may also include coverage for regular doctors office visits, diagnostic tests, prescription drugs, and rehabilitation services. However, policies vary in providers covered,…

Health Insurance is a tool to help manage the unexpected costs with your health. With many individuals and families qualifying for a premium subsidy tax credit to lower the cost of health insurance, it is defiantly worth buying. Article Source

Yes, you absolutely can buy health insurance for yourself. In fact, there are a number of great options available to you. One option is to purchase a plan through your state’s health insurance exchange. These exchanges were created by the…

This figure will vary depending on your specific circumstances, such as your age, location, and type of coverage, household income. The Affordable Care Act established rate guidelines based on age. However these rates are determined by company, by plan, by…

Typically higher deductibles provide better value for consumers because they lead to lower premiums. The insurance companies understand those who chose a lower deductible are statistically more likely to file claims, therefor they charge higher rates. Also consider the more…

Property damage liability (PD) coverage is a type of car insurance that helps pay for damages to another person’s property if you’re found at fault in an accident. This can include things like repairs to their vehicle or any other…

There is no one-size-fits-all answer to this question, as the best type of car insurance depends on your individual needs and circumstances. However, as a general rule, it is always a good idea to carry higher limits of liability coverage…

A $1,000 deductible is better than a $500 deductible because it will help you lower your insurance costs. The only time you would have to pay the extra $500 on the $1000 deductible is at the time of a claim….

Most insurers will cover someone else driving your car with your permission, even if they are not specifically named on your policy as long as they do not live in your home. If your child lives with you, and they…

There is no such thing as Full Coverage, however most people refer to full coverage insurance as a policy that provides liability, comprehensive, and collision coverage. Article Source

Basic car insurance is often known as liability insurance. This type of policy provides coverage in the event that you are found at fault for an accident. It will help to cover the costs of damages and injuries that you…

The numbers 100/300/50 represent your policy coverage limits. In the event of an accident, this is the most your insurance company will pay out per person, per accident. The first set of numbers is the Per Person limit / The…

Car insurance in Missouri usually follows the car, rather than the driver. That means that if you have insurance on a particular vehicle, it will usually cover anyone who drives that vehicle with permission unless excluded. The types of car…

The answer is that Missouri is an at-fault state for car accidents. Missouri follows the traditional rule in which the driver who was determined to be at fault in a car accident is responsible for damages, injuries, and fatalities. This…

Liability insurance covers injuries that you cause to other people in an accident, as well as damage to the other person’s vehicle. Collision insurance covers damage to your own vehicle in an accident. Comprehensive insurance covers damage to your own…

The best liability coverage for most drivers is 500/500/500, which is $500,000 per person/$500,000 per accident/$500,000 property damage. This is also typically the maximum limit allowed by most insurance companies. That will protect you in the event of a semi…

The minimum level of coverage required by state law is: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property damage. Article Source

Controlling your Workers Compensation Modification Factor Also Know as your Mod Rate. To not over pay on your Workers Compensation Insurance, Focus On Cutting Your Mod Rate. Ask yourself if your current broker taking proactive steps to help you lower your mod?…

Safeco Auto Insurance is a popular car insurance company that offers a variety of coverage options for drivers. The company has been in business for over 90 years, and it has a reputation for providing quality service to its customers….

Medicare Part A (hospital insurance) is one half of Original Medicare. Part A covers hospital stays and most of the services you receive as an inpatient in a hospital or skilled nursing facility. Costs may not be covered by Part…

A copayment is a fixed sum of money that you must pay in full out of your own pocket for any service. Copays are most often used to refer to doctor visits, specialist appointments, and prescription drug refills. Under Medicare Part…

Medicare Part B may cover some things for vision including preventive or diagnostic eye exams, including glaucoma tests, yearly eye exams to test for diabetic retinopathy and eye tests for macular degeneration, cataract surgery and prescription lenses or eyeglasses in…

Dental treatments, procedures, and supplies are not usually covered by Medicare. Part A, on the other hand, may assist with certain dental services while in the hospital. For comprehensive dental care, you will want to consider a plan that is…

A Medicare Supplement insurance plan works in tandem with Original Medicare, which includes Part A and Part B. It helps to cover some of the out-of-pocket health care expenditures that Original Medicare does not cover. For example, Medicare Part B…

Medicare Supplement insurance, often called “Medigap,” helps pay some of the out-of-pocket costs not paid by Original Medicare (Parts A and B). There are ten federally mandated plans. Regardless of which insurance company sells it, each Medicare Supplement plan provides…

Medicare Part D drug plans all have a formulary, which is essentially a list of covered medicines. The formulary may change from year to year, but your plan will notify you before it does. The formulary will also indicate whether…

Medicare Part D is a prescription-drug insurance program. Medicare Part D programs (PDPs) assist with the cost of drugs prescribed by a doctor. Private insurance companies that are licensed by Medicare offer Part D plans. The U.S. government sets the…

Medicare Part C is known as Medicare Advantage. Medicare Advantage plans cover and combine Original Medicare Part A and Part B benefits into one plan. When you sign up for a Medicare Advantage, you assign the management of your Original Medicare…

Frequently Asked Questions Popular Search auto ins Home Frequently Asked Questions Medicare What does Medicare Part B pay for? Medicare Part B is medical coverage. It helps pay for doctor visits and outpatient care. This includes: Doctor visits, including when you are…

Frequently Asked Questions Popular Search auto ins Home Frequently Asked Questions Medicare What does Medicare Part A pay for? Medicare Part A is hospital coverage. It helps pay for hospital stays and inpatient care in hospitals. This includes: Care in special units,…

Original Medicare consists of Medicare Part A (hospital coverage) and Medicare Part B (medical coverage). It’s a federal health insurance program for individuals 65 or older; under 65 who have a qualifying disability, and of any age with a diagnosis of…

There’s a lot to consider when it comes to Medicare coverage options. You can join Medicare Part A (hospital insurance) and Medicare Part B (medical insurance), or you may choose to do both. Once you enroll in Medicare, there are…

If you’re a veteran and become eligible for Medicare, you may already have other insurance such as from an employer, the Veterans Administration (VA) benefits, or TRICARE. There a number of details to know about how Medicare may work with…

If you’re still working when you turn 65, you will need to make some decisions around Original Medicare — even if you’re covered by your employer’s health plan. When you turn 65, you may want to enroll in Medicare Part A,…

Outside of your Initial Election Period, you may use the Special Enrollment Period to enroll in Original Medicare due to certain life circumstances. You might delay enrolling if you’re still employed, for example. The timings are determined by when those…

The General Enrollment Period is available to you if you didn’t sign up during your Initial Enrollment Period. The General Enrollment Period runs January 1 to March 31 each year. If you enroll in Original Medicare during the General Enrollment Period, you…

You can apply anytime during the Initial Enrollment Period (IEP). Your Initial Enrollment Period is a 7-month window around your 65th birthday. It covers your birth month, plus the 3 months before and the 3 months after. After you enroll in Original Medicare and…

Enrollment in Original Medicare (which includes Medicare Part A and Part B) may or may not be automatic — it depends on your situation. If you already receive Social Security or Railroad Retirement Board benefits or become eligible early due…

You’re eligible for Medicare if you meet the following requirements: You must be a U.S. citizen or a qualified legal resident Both U.S. citizens and qualified legal residents have to be one of the following: Age 65 or older Younger…

Typically, our clients may modify their coverage and policy restrictions at any time by submitting a change request through our support center here or engaging with a Beacon Point Insurance Team Member. Make sure you understand the implications of changing…

Most vehicle insurance policies are renewed automatically. We will notify you before any policy or premium changes occur. It is critical to have your Beacon Point Insurance Team evaluate your coverage needs on a yearly basis. Article Source

Beacon Point Insurance offers a variety of insurance plans to fit your specific needs, including complete coverage for your vehicle. Once you know what type of car you drive, fill out our online form here with the details about your…

This is often determined on a case-by-case basis. To assist cover vehicle, property damage, and injury-related expenditures for other people involved in an accident you cause, drivers must have bodily injury and property damage liability coverage at the state-mandated levels….

On your policy, everyone who drives your cars on a regular basis, especially if they live in your home, should be listed as drivers. Typically, other licensed drivers not specified on your policy that occasionally drive your car are covered…

It’s a little more complicated than that. It all hinges on the coverage alternatives you select. Because bodily injury and property damage insurance is required in most states, your policy should at a minimum cover vehicle and property damage, as…

Car insurance is meant to safeguard you and everyone else on the road with you from the potential high cost of accident-related and other damages or injuries. It’s a contract in which you pay a certain amount — often referred…

Short-term rental insurance is an important element of financial planning for anyone who owns a vacation rental property. This type of insurance is designed to protect the property owner from any losses or damage that may occur while the property…

As you are aware, the Russian Ukraine conflict has caused a lot of concern in the world, particularly in the cybersecurity field. We wanted to provide you with some insights, information, and related articles that we believe might be useful…

Looking for Beacon Point Insurance updates straight to your phone? Look no further! Beacon Point has partnered with Google News, so that you can get the latest information on our products and services right in your news app. We know…

The main difference between cancel for any reason trip insurance and standard trip cancellation insurance is that cancel for any reason trip insurance allows you to cancel your trip for any reason, while standard trip cancellation insurance only allows you…

The Affordable Care Act (ACA) is a federal law that changed the way Americans get health insurance, and it led to changes in how employers offer health coverage and how individuals can buy health insurance. One of the most important…

From a consumer’s perspective we all may appear alike but there are some MAJOR differences that you need to be aware of when choosing someone to assist with creating your insurance package. Agents work directly for one specific insurance company,…

Independence, MO — Travis Gensler with Beacon Point Insurance has been recognized as a member of the 2022 Marketplace Circle of Champions, a Centers for Medicare & Medicaid Services (CMS) program that celebrates the hard work of agents and brokers…

Health savings accounts (HSAs) can help individuals save money by paying for a number of health care expenses that are not covered under their current health insurance policy. These plans may also help in providing funds for individuals with a…

To get the best deal on insurance, many people consult an insurance agent or broker. But did you know that there are different kinds of insurance agents and brokers—and the one you choose can make a big difference in the type of…

Do have a son or daughter heading off to college soon?  Is the car loaded with their belongings: clothes, electronics, sports equipment, computer?  It seems like a lot of stuff, right? So, what’s the risk? You can start by checking…

Local Independent Beacon Point Insurance Group Selected To Offer The Hartford’s AARP Homeowners Insurance Program o Beacon Point Insurance Group (Independence, MO 03/01/2012), already authorized to sell the popular AARP auto insurance program, can now bundle that auto policy with The…

Three separate earthquakes shake Wichita area in Kansas Sunday morning. Three separate earthquakes were reported in Kansas this morning around the Wichita area. The United States Geological Survey measured a 3.4 magnitude quake just before 6:30 a.m. and a 3.5…

What is homeowners insurance in Kansas City? Home Insurance in Kansas City is very important, not only to protect you from the many types of possible losses but also to cover the living expenses in case of damage to your…

I just got back from a personal risk management class in Orlando FL and our instructor asked us a thought provoking question that I had not thought about before…  When traveling, most of us stay in a hotel along the way,…

Curious about the 2021 Lasso Healthcare MSA? Learn all about our Medicare Advantage Medical Savings Account plans in this in-depth presentation. MSAs give you money toward your health care; you decide how to spend, save or invest the funds. Article…

Help for Our Personal Insurance Customers Keeping our customers and communities safe is deeply important to us. We want to help everyone do what they can to stop the spread of coronavirus. As we monitor the impact of COVID-19, we’re…

Many people are experiencing hardship due to the efforts to slow the spread of the COVID-19 virus. That emerging trend is prompting Nationwide to offer a one-time premium refund of $50 per policy for personal auto policies active as of March 31,…

Personal auto insurance customers will receive a 15% credit on April and May auto premiums, expanding the company’s COVID-19 relief efforts NEW YORK–(BUSINESS WIRE)– The Travelers Companies, Inc. (NYSE: TRV) today announced it is giving U.S. personal auto insurance customers…

To our customers Assistance with coverage and payments During this unprecedented time, we know you may be experiencing stress and financial hardship. While you’re doing your part to fight the pandemic, we’re committed to being there in your time of…

At Safeco, the well-being of our customers and employees is always our top priority. We recognize the uncertainty and financial challenges many of you are facing as the nation bands together to slow the spread of coronavirus. To help our…

As we all work together to slow the spread of COVID-19, more of us are at home and driving less, which means having fewer accidents. That’s why we are announcing a Shelter-in-Place Payback for our auto customers. And, since our…

Dear Kansas City Community, The recent coronavirus developments have been a whirlwind for our community and our country at large. The rapid changes with COVID-19 have made it difficult to keep up with the news and latest developments. Many of…

Clients and friends of Beacon Point, It seems like every morning we wake to new news, both good and bad depending on which part of the country or state you live in.  The one clear message across the board is…

https://youtu.be/DusRmgzQnLY We have been receiving calls about when the new medicare cards will arrive.  According to medicare.gov all cards are being shipped out by state with the process to be completed by April 2019. I came across a document today…

Quick trip to Harrisburg, PA to visit Ritter Insurance Marketing to participate in the discussion about the future of Medicare and supplemental products.  Great meeting & networking with the top Medicare Supplemental minds in the country. Post navigation Related Articles…

Another fantastic night to feed the homeless of Kansas City with an amazing group of people!  As a whole group we served approx 360 individuals! Article Source

We have seen an increase in the number of Medicare beneficiaries who have just now started to contact us to review their coverages.  We want to remind anyone who would like to make a change to their Medicare benefits for…

Learning with an elite group of professionals. Article Source

We are pretty sure you have questions about the health care reform and how it will impact you and as your trusted advisors, we will pass along all the important information we can.  Travis has completed the certification to offer…

You need to provide the Health Insurance Exchange notices to workers no later than October 1st, 2013. As of October 1st, the notices have to be given to all new workers on the day they are hired and all current…

Just fresh out of the meeting with Blue Cross Blue Shield of Kansas City, we received some clarification on the available enrollment periods with regards to the new health care reform plans that will be available as of January 1st, 2014….

The designation of Certified Insurance Counselor (CIC) has been conferred upon Travis Gensler, President of Beacon Point Insurance Group in Independence, MO , following his successful completion of a rigorous insurance education program sponsored by the Society of Certified Insurance…

For Immediate Release Travis Gensler attends The Principals of Risk Management March 20-23, St. Louis, MO – Travis Gensler, Principal of Beacon Point Insurance Group of Independence, MO, has successfully completed the Certified Risk Managers Principles of Risk Management Institute…

For Immediate Release Travis Gensler attends The Commercial Casualty Institute November 28-December 1st 2012, Independence, MO – Travis Gensler, Principal of Beacon Point Insurance Group of Independence, MO, has successfully completed the Certified Insurance Counselors Commercial Casualty Institute held at…

For Immediate Release Travis Gensler attends The Agency Management Institute September 12-15th 2012, Springfield, MO – Travis Gensler, Principal of Beacon Point Insurance Group of Independence, MO, has successfully completed the Certified Insurance Counselors Agency Management Institute held at the…

For Immediate Release Travis Gensler attends The Life and Health Institute August 8-11th 2012, St. Charles, MO – Travis Gensler, Principal of Beacon Point Insurance Group of Independence, MO, has successfully completed the Certified Insurance Counselors Life and Health Institute…

With the cost of healthcare increasing we have been seeing this question pop up more when educating our clients on the benefits of a HSA qualified plan. Most Qualified High Deductible Health Plans (QHDP) eligible for Health Savings Accounts (HSA)…

For Immediate Release Travis Gensler attends The Personal Lines Institute January 18-21st 2012, Independence, MO – Travis Gensler, Principal of Beacon Point Insurance Group of Independence, MO, has successfully completed the Certified Insurance Counselors Personal Lines Institute held at the…

Single plan Maximum contribution limit for a single plan is $3100 for 2012.  To qualify your plan has to have a deductible of $1,200 or more with a maximum out of pocket of no more than $6,050.  If you are…

The 2012 Medicare Annual Enrollment Period is changing to October 15 through December 7th. If you want to make a change please make sure you take note of when your applications have to be submitted to the company. Article Source

We get quite a few questions about what the income limits are to qualify for the health insurance subsidy.  At first I started typing out an entire post listing everything under the sun, but instead I will just provide you…

For Immediate Release Travis Gensler attends The Commercial Property Institute June 15-18th 2011, Independence, MO – Travis Gensler, Principal of Beacon Point Insurance Group of Independence, MO, has successfully completed the Certified Insurance Counselors Commercial Property Institute held at the…

What is Term Life Insurance? A term life insurance policy covers the policyholder for a specific amount of time, which is known as the term. The term lengths vary according to what the individual chooses. Terms typically range from 10 to 30…

In an attempt to help simplify your life while trying to figure out how to wade through the big bowl of Medicare alphabet soup use the like below to find out how to apply for Medicare, or visit the online Medicare…

When bundled with a qualified health insurance plan, HSA’s are an excellent way to control your healthcare spending and also receive a hidden tax benefit on the back end for doing so. To open up a health savings account through Health Equity: Click here for the application to…

How to choose the right home insurance deductible. One of the most common mistakes that we see people make is choosing the wrong deductible when buying home insurance. Every policy has a deductible and the choice that you make can…

In the event of damage to your building or content: Protect the property from further damage: Call the proper authorities and utilities (gas, electric, telephone). Take photos of the damage before having emergency repairs made, such as boarding up windows…

Skip to content and How to avoid them Your Insurance Program is Messy It’s not uncommon to purchase a policy, just to insure one item like your home or car.  Maybe you even purchased them from different agents. Whatever the…

One of the common questions we get is when somebody buys a new vehicle and has their old vehicle and can’t decide what they’re going to do with it.  Whether they want to keep it as an extra vehicle or…

When most become eligible for Medicare you get access to the booklet “Medicare & You,”  Most use this booklet to find a Medicare Advantage plan that would be the best choice for them. Most people don’t even make it to…

Selecting the right independent insurance agent to take care of your insurance needs should not be an “eeny, meeny, miny, moe” decision. You are looking for a long-term relationship with someone you can trust. You wouldn’t buy a car without…

We’re sorry if you’ve suffered an accident or have a claim on your insurance policy. That’s why you have insurance, to protect you when something bad happens. We’ll guide you on every step along the way. Should you file this…

You elect the protection options and limits you want. You pay your premium. Your insurance company pays your covered claims. That’s the deal. Then why all this talk about the “consequences” of claims? Why can claims increase my price or…

In the event your employee is injured on the job: Complete the Employer’s First Report of Injury or Disease form for all claims. Either use the “call in” reporting system or fax the original form to the insurance company. Send a…

Beacon Point can tell you today! We can also show you your trend and project where you are heading, and what to do about it. Just give us a call at 816-254-6100 and we will help you take control of…

Buyers are often tempted to cut corners on things like home inspections to save money for fun items like furniture or a big-screen television. Don’t! A home inspection is one of the best investments you can make when purchasing a…

Fact vs. Fiction: Uncovering auto insurance myths Like a teenager eager to try a new video game, playing before reading the rules, many drivers buy insurance without really understanding what they’re buying. In the rush to feel “covered,” they can…

When buying insurance, many people make the mistake of thinking “less is more,” but scrimping on insurance rarely saves money in the long run. Sadly, when the time comes to submit a claim, people often realize what an expensive mistake…

We have been receiving a lot of calls from our medicare clients asking the following questions: Will my Medicare benefits change due to the Health Care Reform? Do I need to do anything on October 1st? Do I need to…

Below is a list of the companies that we currently have products available from. All of these companies offer some type of Medicare product (Medicare Supplement, Medicare Advantage, Medicare Part D prescription plans), but not all companies offer products in…

Medicare Supplement insurance plans (or Medigap) are voluntary, additional coverage that helps fills the gaps in coverage for Original Medicare. The best time to enroll in a Medicare Supplement insurance plan is during your individual Medigap Open Enrollment Period, which is the…

The Kansas City Union Station is a must visit for anyone who comes to Kansas City, Missouri. The union station opened in 1914 and it has undergone several restorations throughout time to offer visitors and the community all kinds of…

If you’re coming to Kansas City this year, you can’t miss the American Royal! This is an incredible livestock show, horse show, rodeo and barbecue competition that takes place each year in October and November. The American Royal offers its…

If you’re coming to Kansas City this year, you can’t miss the American Royal! This is an incredible livestock show, horse show, rodeo and barbecue competition that takes place each year in October and November.… Read More » Article Source

If you’re coming to Kansas City this year, you can’t miss the American Royal! This is an incredible livestock show, horse show, rodeo and barbecue competition that takes place each year in October and November.… Read More » Article Source

Remember you pay for Medicare Part A premium while you work through your taxes, once you start using your Medicare Part B, you pay the part B premium at that time. Currently for 2011 the standard Medicare Part B premium…