by Marilyn M. Singleton, M.D., J.D. What if purchasing medical products and services were like buying peanut butter? Grocery stores have several brands and varieties: smooth, chunky, old-fashioned, natural, organic, no added sugar, reduced fat, no-stir, and pre-mixed with jelly with clearly marked prices ranging from $1.75 for the store’s generic brand to $7 for […]
Aspiring drivers who have never climbed behind the wheel no longer have to endure a classroom-based class before taking to the roads in New York because of a new pilot program signed into law Friday by Gov. Andrew Cuomo. But critics question the effectiveness of on-line substitutions for drivers education and point reduction programs, and […]
By Kumar Patel, Founder and CEO of Omnidya In an increasingly digital age, the greatest risks to consumers are digital – with data breaches topping the list. Cyberattacks are launched on financial service companies 300 times more than companies in any other sector. In 2017, KPMG reported that at least 81% of healthcare and health […]
By Joe Chvasta, JD, CPCU Recently, I had the opportunity to compare claims scenarios of an excess of loss proposal with a quota share proposal for the liability coverage of our captive risk association. The results surprised me. Excess of loss is a form of non-proportional reinsurance in which the reinsurer indemnifies the ceding company […]
By Marilyn M. Singleton, M.D., J.D. For the next one and a half years we will have to endure the hyperbole, apocalyptic predictions, fake outrage, half-truths, and frank lies of politicians. Some kind soul should take pity on us and pass out beans to put in our ears. Of course, we should expose ourselves to […]
How does your credit score affect the price of your car insurance rates? How does that vary by state? Based On A National Analysis Of 61 Million Car Insurance Rates Most consumers know that credit plays a big role in their finances, whether they’re applying for a credit card or considering a car or home […]
By Gregory V. Serio When one thinks of a district attorney from New York City, the scene goes to any one of a number of celebrated crime stories from the City That Never Sleeps: murder, mayhem, and madness, it seems, trump virtually everything else. For anyone who ever tried to gain the attention of prosecutors […]
AGENTS: LET’S GET IT “OUT THERE” NOW Ed Higgins of the Thousand Islands Agency has worn a lot of hats, almost all as a leader and advocate for independent agents, past President of Big I New York, an instructor and author of bright ideas for agents seeking to sustain their businesses, grow them and prosper […]
By Tom Scott, Vice President of Business Development, Consumer Products at Fortegra Generally defined, a warranty is a contract between a company and a consumer in which it’s agreed that the company will replace or repair a consumer’s purchase if it breaks within a specific time period. Structured as such, all warranties basically point toward […]
By Tony Laudato, Vice President, Partnership Solutions Hannover Re The continued decline of standalone long-term care policies seems inevitable, and the life insurance gap among Americans continues to widen. Hybrid policies offer an obvious solution, and are becoming increasingly popular – but the right approach will be needed for insurers to fully cast off their […]
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