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LA County residents forced to evacuate could tap insurance for cost reimbursement

By CALIFORNIA DEPARTMENT OF INSURANCE
LA County residents forced to evacuate could tap insurance for cost reimbursement

LOS ANGELES, Calif. — Thousands of residents from Los Angeles County ordered to evacuate due to the Easy Fire, Tick Fire, Hill Fire and Getty Fire may have homeowner or renter insurance coverage to help with evacuation and relocation costs, even if their homes are not damaged or destroyed, and in many cases no deductible is required.   “With thousands of Californians’ lives turned upside down because of mandatory evacuations, additional living expense coverage in their…

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Know the Facts About Property, Pet and Travel Insurance

By Debbie Klimas
Know the Facts About Property, Pet and Travel Insurance

A standard policy can be limited and many consumer believe the myths that home owners insurance will cover everything. Maintenance of your home is key to avoiding costly problems down the road

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What are the Differences Between Short and Long Term Disability Insurance?

By Debbie Klimas
What are the Differences Between Short and Long Term Disability Insurance?

If you’re looking for insurance to protect your income, the first decision you have to make is what type of insurance  you need Disability insurance is a type of policy that provides an income in the event you become sick or injured and cannot work. The decision on whether you buy short-term disability insurance or long-term disability insurance will depend on what you’re trying to protect. Short Term Disability Insurance (STD) Short-term disability insurance is…

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Why Your Group LTD at Work Isn’t Enough

By Debbie Klimas
Why Your Group LTD at Work Isn’t Enough

Many employers provide their employees with group long term disability insurance (LTD). While this is a nice benefit for employees, you should be aware of the pitfalls inherent in group LTD plans and how to shore those up. There are major differences between group and individual disability insurance plans, and a combination of the two usually provides the most comprehensive and cost effective coverage. Since your income is the most valuable tool you have for…

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Why “Own Occupation” Disability Insurance is Important

By Bob Bland
Why “Own Occupation” Disability Insurance is Important

What is Own Occupation Disability Insurance? You may have heard that if you’re looking for disability insurance, you should be looking  for “own occupation” coverage. In the past 20 years of working with clients to protect their income, I’ve heard it called “owner-occupation”, “owner-occupied”, “own-occ,” and a variety of other derivatives of the correct terminology “own occupation,” but the basic concept is that it’s a type of disability insurance  that pays if you can’t do…

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Disability Insurance Basics

By Debbie Klimas
Disability Insurance Basics

If you rely on your income, you need to protect it with a good disability insurance policy. Many people take this for granted, but consider the economic impact you have to your family: Annual salary:  $50,000 Age: 35 Retire at age: 65 Earned income over 30 working years: $1,500,000 Do you have anything else in your possession that’s worth over $1,5000,000? If you did, wouldn’t you insure it against loss?  That’s what disability insurance does…

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Short Term Disability Insurance and Pregnancy

By Bob Bland
Short Term Disability Insurance and Pregnancy

We get many request for short term disability insurance to cover maternity leave. Most of these requests are from women who have left a large employer, or are no longer working full-time, and are therefore not covered under a group short term disability policy (STD). They’re either already pregnant or considering becoming pregnant, and are looking for some disability coverage to provide income while out of work and on maternity leave. Unfortunately, normal child birth…

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Drone Insurance? It’s Coming Your Way From Above

By Todd Halterman
Drone Insurance? It’s Coming Your Way From Above

New technologies are impacting many different industries – and have been as long as commerce has been taking place. Whether it be when JC Penny and Sears and Roebuck were selling products to gold miners in the 1850’s or when Henry Ford was selling the Model T in the first half of the 20th century, companies that adapt to technological change are the companies that succeed in the long term. At this time technological advances…

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Airsurety Has You And Your Family Covered On Your Trips Around the World

By Todd Halterman
Airsurety Has You And Your Family Covered On Your Trips Around the World

If you’ve ever stood around in an airport thinking about buying travel insurance, we’re pretty sure you found the process confusing – so many options and different types of coverage can leave your eyes rolling back in your head. Now a new insurtech venture, Airsurety, Inc., has simplified the process of buying your travel insurance policy with what they call Accidental Death Benefit on an Airplane. It’s straightforward stuff and simple to understand. Airsurety offers…

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Insurtech Company Fabric Aimed at Niche Marketing Life Insurance to Busy Young Parents

By Todd Halterman
Insurtech Company Fabric Aimed at Niche Marketing Life Insurance to Busy Young Parents

They call them ‘insurtechs,’ and the focus is on using the latest in data and AI technology to sharpen the competitive edge for life insurance companies. One of the hottest players in the game, Fabric, has targeted new and expecting parents. “Life insurance isn’t something you think about – or buy every day – and the existing system is built to take advantage of your confusion,” says Adam Erlebacher, a co-founder of Fabric. “You should…

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