What is your most valuable asset? Your home? Its contents? For most working individuals, their ability to earn an income is worth far more than these physical assets. You insure your home; do you also have coverage for your most valuable asset—your ability to earn an income? Continue reading “Protect Your Earning Power with Disability Income Insurance”
As with many unpleasant things, people don’t like to think about becoming disabled. But the consequences of ignoring your risks could be serious. Take the following quiz to see how much you know about disability. Continue reading “What You Know About Disability Is Probably Wrong”
Millions of teenagers will soon be leaving school and taking jobs either for the summer or as the start of their permanent integration into the workforce. Here’s what you need to know to protect them. Continue reading “Minimize Risks to Young Workers”
Fourteen percent of people age 65 or over need long-term care. Among those 85 or older, half need some long-term care, according to the Georgetown University Long-Term Care Financing Project. If you don’t like the sound of a nursing home, relax—today’s long-term care insurance policies can cover many other long-term care options. Continue reading “Alternatives to Nursing Home Care”
Uninsured drivers cost every insured driver $14 annually, according to the Insurance Research Council (IRC). If you are unlucky enough to encounter an uninsured driver, your costs could be much higher…unless you have the right insurance coverage. Continue reading “Why You Need Uninsured/Under-Insured Motorist Coverage”
The final cost of a medical insurance plan depends on more than just the premiums, even when you compare plans with similar benefits. Understanding the following definitions can help your employees understand the components that affect their medical coverage costs. Continue reading “Health Insurance by the Numbers”
Most life insurance companies sell both life insurance policies and annuities. Both require you to be in good health to get the best rates. And both provide financial security. But they play very different roles in your financial portfolio. Continue reading “Annuities vs. Life Insurance”
You buy homeowners insurance to protect your home from damage or loss due to fire, theft, vandalism and more. But without certain important coverages, your policy could leave you short of the funds needed to rebuild and recover. Continue reading “The Property Risks You Might Have Overlooked”
In 2006, a record 9.8 million acres burned in wildfires. Will this year’s droughts make 2015 another record-breaker?
As of May 6, 2014, half of the United States was experiencing some level of drought. Nearly 15 percent of the nation was gripped by extreme to exceptional drought, according to NASA. Continue reading “Wild Fires”
You probably already have a disaster management plan to help your company minimize the effects of a disaster. You’ve probably considered evacuation of employees and customers, data backup, and contingency plans for manufacturing your products or delivering your services. But have you considered the role public relations can play in managing a crisis? Continue reading “Crisis Management: Where Risk Management and Public Relations Meet”