Employer’s Assets are Fair Game

Congratulations! You are open for business.  Youve set up shop and hung out your shingle.  You have probably prepared yourself by purchasing an insurance policy. Unfortunately, in todays increasingly litigious society, a general or professional liability policy still leaves you exposed and vulnerable.   One statistic states that 19 million lawsuits are filed each year. If you own a business, investment properties, or are a professional, you may have a one in three chance of being named in a lawsuit.

If you are named personally in a lawsuit for something your policy excludes, your personal assets become fair game– home, financial accounts, life insurance policies that have a cash value, real estate, businesses, cars, electronics, investment portfolios, collections of art, antiques, etc. Lawye

Full story…

Innovation, Customer Service and Emerging Markets Top Insurers’ Concerns

Auto insurers are getting more proactive in preventing car accidents with sensor devices, Big Data, telematics and social media, according to a new study.

PwC’s “Top Issues in Insurance,” study reported that innovation is enabling insurers to make better and smarter use of greater amounts of Big Data.

“If insurers use real-time granular data properly, it can help control their losses when it comes to accidents,” PwC’s Insurance Practice Principal Anand Rao told Insurance Networking News. “Sensors, for example, cost less than a dollar and easily attach in a car to prevent an accident or monitor what lead up to it.”

Overall, the report’s findings indicate that customer service is at the top of the list. “Insurers are foc Full story…

Term Insurance Rates Cheaper Than Ever

As reported in the March 2012 issue of The Insurance Journal, 10-year term life insurance rates have reduced in cost drastically over the years. The article cites many examples of companies that have significantly reduced their premiums.

Transamerica Life for example, offered a 40-year-old, male non-smoker $500,000 of Term 10 coverage in 1998 at a rate of $510 per year and that same 40-year-old male non-smoker can now get $500,000 of Term 10 coverage for $365 a year.

BMO Insurance, which previously sold their product under AIG Life of Canada name, would have charged that 40-year-old, male non-smoker $565 in 1998 and now offers the same plan at $350 a year.

Full story…

What To Know About Cheap Travel Insurance

If you travel a lot, then you certainly have to consider getting the annual travel insurance. You have to know that this travel insurance plan offers you complete piece of mind when you are traveling. However, just because it has some great benefits, it does not have to be expensive. In fact, today cheap annual travel insurance is available for frequent travelers who want to go across the world without any worries.

Keep in mind that the annual travel insurance policy is able to cover such areas as medical expenses, delay in flight, loss and damage of personal baggage, emergency evacuation, trip interruption and some others.

In fact, these covers could be claimed when you are traveling.

Full story…

Sri Lanka: Aviva NDB’s sales star Swarna ranks among world’s best in insurance

“Top of the Table” at the Million Dollar Round Table Conference is a rare achievement among sales professionals in the world’s insurance industry. T

Full story…