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29 June, 2020
Term vs. Permanent Life Insurance

Types of Life Insurance For people who may be interested in a greater degree of life insurance coverage, whether through their employer or independently, there are two main types of insurance offerings that they’re likely to encounter: term life insurance and permanent life insurance. When it comes to life insur...

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26 June, 2020
What is Cancer Insurance?

What is Cancer Insurance? With cancer insurance coverage, policyholders are paid out a lump sum after being diagnosed with cancer and filing a claim. Policyholders can use the payout in whatever way they need it the most, whether it’s paying the remainder of a deductible or covering personal expenses. With premi...

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25 June, 2020
What is Critical Illness Insurance?

Critical Illness Insurance Overview Critical illness insurance provides a lump sum payment to policyholders who experience one of a few serious medical conditions, like a debilitating stroke or certain cancers, that are specified in the policy. These medical conditions often create significant financial burdens bey...

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25 June, 2020
Hospital Indemnity Insurance: Everything You Need to Know

What is Hospital Indemnity Insurance? Hospital indemnity insurance is a type of voluntary benefit that provides fixed payments directly to policyholders for events like emergency room visits, hospital stays, certain surgical procedures, and ICU care.  Hospital indemnity policies typically will also provide direc...

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24 June, 2020
Accident Insurance: Everything You Need to Know

What is Accident Insurance? Accident insurance is a voluntary benefit that many employers offer their employees to help provide financial support in the event that they or a member of their family are accidentally injured. Also called voluntary accident insurance, this type of insurance is paid out directly to t...

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28 February, 2020
Can I Negotiate Insurance Broker Fees and Commissions?

Is It Possible to Negotiate Insurance Broker Fees? Negotiating the fees you pay to your business insurance broker may be possible, and is largely dependent on the size of your company, as well as the specific internal incentive policies of your insurance provider. Anytime that fees and especially commissions are...

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28 February, 2020
How to Find a New Health Insurance Broker

Finding a New Health Insurance Broker Businesses may choose to look for a new health insurance broker for a number of reasons, such as cost, customer service, or another factor. However, changing brokers can be a challenging process, especially for employers who have never had to search for a new insurance broke...

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28 February, 2020
What Is a PEO and Is It Right for My Company?

What is a PEO? PEOs, or "Professional Employer Organizations," can sometimes be a good fit for smaller companies, but there are reasons that most medium and large companies do not utilize their services. Before committing to a PEO, understand the benefits and risks, as well as what the process looks like if you eve...

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28 February, 2020
What Analytics Should I Expect From My Insurance Broker?

Insurance Broker & Carrier Analytics Access Introduction The type, depth, and breadth of analytics that clients can expect to receive back from their insurance broker and insurance provider (in addition rate adjustments explanations, etc.) depends largely on the size of the client’s company, whether the client is f...

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28 February, 2020
Group Health Insurance for Very Small Companies

Why Do Small Businesses Offer Health Insurance Coverage to Their Employees If They Don’t Have To? Companies that have fewer than 50 full time employees are not presently required by the Affordable Care Act (or any other Act we’re aware of, for that matter) to offer group health insurance to their employees as of th...

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28 February, 2020
Using an Online Insurance Company vs. Insurance Broker: Cost, Expertise and More

Buying Insurance (or anything really) Online Buying insurance online has become more common in today’s world. However, how do online insurance companies compare with insurance brokers when it comes to cost and value? The Geico Gecko first graced our televisions screens over 21 years ago. That’s right – if that b...

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28 February, 2020
How Can a New Insurance Broker Help My Business?

How Can a New Broker Help My Company? Working with the right insurance broker can have tremendous benefits for your business. As an employer, if you’re unhappy with your current broker or are not getting enough value for the cost, finding a new insurance broker can positively impact your company in several ways. ...

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28 February, 2020
Should I Do An Annual RFP for a New Insurance Broker?

Is It Time for New Broker? Insurance for the First Time? Do you question whether you are getting the most value from your insurance broker? Are you doing everything possible to keep costs down and or feel that your benefit package is a commodity and not necessarily an employee retention tool? Are you starting fr...

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05 February, 2020
How to Find a New Insurance Broker for Your Small Business

Finding an Insurance Broker for Your Small Business If you’re interested in finding a new insurance broker for your small business, it can be challenging to know where to start. There are countless brokerages and consultants out there with varying degrees of experience, expertise, and effectiveness. How can you ...

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05 February, 2020
Signs You Need a New Insurance Broker

Signs You May Need a New Broker Commercial insurance brokers can help businesses reduce costs, minimize risk, and handle claims. However, not all brokers provide the same quality of service. Businesses should be aware of several signs that you need a new insurance broker. To ensure you are working with the best ...

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27 January, 2020
What Makes a Good Insurance Broker?

Everyone Wants a Good Insurance Broker The first step toward determining what makes an insurance broker good is to define what it means to be a good insurance broker in the first place. As with most qualitative assessments, what constitutes ‘good’ in this context may vary widely depending on one’s perspective. F...

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29 December, 2019
What Commissions & Fees Are My Broker Really Getting?

Understand How Your Insurance Broker Is Paid Knowing exactly how your insurance broker is being compensated for their services adds transparency to the process, which can lead to a more productive and open relationship to both party’s mutual benefit. For smaller employers, you may often hear, “I get a fixed commiss...

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28 August, 2019
Human Resources vs. Human Capital – and Why It Matters

Human Resources vs. Human Capital One of the most common misconceptions among modern business organizations is that human resources and human capital are the same thing. Some organizations historically have used the terms interchangeably, and there remains a great deal of overlap between them. However, the modern u...

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28 August, 2019
Commercial Insurance: What You Need to Know

What is Commercial Insurance? Commercial Insurance is a general term that is used to describe a category of insurance primarily used by businesses, professionals, sole proprietors, and sometimes contract workers. Falling under the commercial insurance header are subcategories of insurance covering everything for...

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28 August, 2019
Employer Health Insurance: Who Needs It, Why, & How To Get It

Employer Health Insurance Health insurance pools can be difficult waters to navigate even for an individual concerned only with their individual needs, but those difficulties are often multiplied when dealing with employer health insurance on an institutional scale. Because of the multifaceted layers of complexi...

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