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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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Your Renter’s Insurance Just Got Cheaper in California

By Todd Halterman
Your Renter’s Insurance Just Got Cheaper in California

A consumer protection group recently helped review and enforce legislation in California which will impact renters and result in a drop in their renter’s insurance premiums by an average of 40.6% for an annual overall rate savings to consumers of $11 million. The drop in rates came as a result of action taken under Proposition 103, California’s insurance reform law which requires that insurers open their books and justify their home, auto and business insurance rates before…

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What A Single-payer Health Care Plan in California Would Mean to the Rest of Us

By Todd Halterman
What A Single-payer Health Care Plan in California Would Mean to the Rest of Us

“We’re going to be living with Obamacare for the foreseeable future.” And with that, Paul Ryan the Republican speaker of the House threw in the towel on his sweeping plan to replace the ACA (Obamacare). But political leaders in California plan to take the refinement of the state’s healthcare system into uncharted territory. During February of this year, state senators Ricardo Lara and his colleague Toni Atkins wrote proposed legislation to replace private health insurance…

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If You’re Packing Heat Your Insurance Might Not Cover Your Guns

By Todd Halterman
If You’re Packing Heat Your Insurance Might Not Cover Your Guns

Did you know that many auto, homeowners and renters insurance policies have one little-known limitation? They don’t protect your guns from theft. Data from the U.S. Department of Justice Bureau of Alcohol, Tobacco, Firearms, and Explosives (ATF) indicates that more than 170,000 guns were reported lost or stolen by persons other than federally licensed dealers in 2012, and according to survey research, at least 500,000 firearms are stolen annually from residences. The experts say the…

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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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Your Lifestyle Is Killing You – And Jacking Up Your Insurance Rates

By Todd Halterman
Your Lifestyle Is Killing You – And Jacking Up Your Insurance Rates

You know it for a fact. Life is about choices, and regardless of how much pleasure those choices can provide you, some of them will leave you paying more for life insurance. But have no fear, some of the most likely causes for sky-high insurance rates can be the easiest to fix. Stop Supersizing Everything You Do! Okay, so you porked up a bit and there’s some excess weight hanging over your belt. When it…

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Health Insurance Reform Lies and the Lying Liars Who Push Them

By Todd Halterman
Health Insurance Reform Lies and the Lying Liars Who Push Them

Louisiana senator Bill Cassidy is catching flak for a letter he wrote a constituent about his stand on the current state of health insurance via the Affordable Care Act. Cassidy, a Republican and a physician, has been a staunch critic of Obamacare, and his answer to the voter’s question pulled no punches. “Obamacare does not lower costs or improve quality, but rather it raises taxes and allows a presidentially handpicked ‘Health Choices Commissioner’ to determine what…

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How Much Should I Pay to Insure My Historic Home?

By Todd Halterman
How Much Should I Pay to Insure My Historic Home?

It’s hard work restoring a historic home. As a compensation for your labor, you’ll have a sense of accomplishment and rest safe in the knowledge that you’ve helped preserve the nation’s past insistence on craftsmanship and design. Here’s the rub: a standard homeowner’s insurance policy won’t cover the replacement of materials such as those stately columns, antique doorknobs and custom woodwork details which make your home unique and worth preserving. Depending on the age of your home,…

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Get Ready For Your Health Insurance Physical Exam – Our Top Tips

By Todd Halterman
Get Ready For Your Health Insurance Physical Exam – Our Top Tips

Shopping for a life insurance or a long-term disability insurance policy means it’s pretty likely you’ll be facing an insurance medical exam. These procedures are also called life insurance physical exams or “paramedical exams,” and if you’ve never had one, we’re here to help answer any questions you might have about the process from start to finish. So first off, what goes on during the exam and why do insurers want you to undergo a…

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Texas Hailstorm Insurance War

By Todd Halterman
Texas Hailstorm Insurance War

Homeowners in Texas deal with severe weather in the form of hailstorms, tornadoes and wildfires. Over the course of the last few years, those homeowners are also dealing with what state insurance experts call a “systematic effort by certain lawyers and their associates to abuse both the insurance claims system and the court system” for their personal gain. The experts are calling on the Texas Legislature to put a stop to some well-documented techniques which might result…

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