This is the best book you can own on the strategies YOU need to use to get the insurance companies to pay you ALL the money you are entitled to collect when you have a claim. Wouldn't you agree that nothing else matters about insurance other than getting the claim PAID IN FULL?
In this book, you will learn:
- The games and scams insurance companies use to cut costs and keep claim payments at the lowest amounts possible
- When it's the right time to use an attorney
- How you can take control of your claim, and not allow the insurance company or claims adjuster to control YOU
- What a Public Adjuster is, and the valuable help you can get from Public Adjusters
- That the insurance adjuster is NOT there to help you
- and much more
You will learn:
- What to do when you have a car accident...BEFORE you open the car door or talk to anyone
- How much MORE money I collected (thousands!) in the two little claims I had while writing this book
- About Diminished Value on automobiles, and how it can cost you THOUSANDS if you don't fight
- About cheap aftermarket auto parts that insurance companies LOVE, but leave you less safe
- And so much more
Ask yourself these questions:
Do you carry a spare tire and jumper cables in the trunk of your car?
Do you have a toolbox at home?
Have you ever bought a book or read an article that showed you how to fix something?
Do you own a first aid kit?
Do you have a fire extinguisher or smoke alarms in your home?
Why would you do ANY of those things?
Answer: So you are prepared BEFORE something bad happens.
READ THIS BOOK BEFORE SOMETHING BAD HAPPENS TO YOU!!!READ THIS BOOK AFTER SOMETHING BAD HAPPENS TO YOU, TO KEEP IT FROM GETTING WORSE!
This book should be on the shelf in EVERY HOME. This book should be in EVERY automobile glove box.

This scarce antiquarian book is included in our special Legacy Reprint Series. In the interest of creating a more extensive selection of rare historical book reprints, we have chosen to reproduce this title even though it may possibly have occasional imperfections such as missing and blurred pages, missing text, poor pictures, markings, dark backgrounds and other reproduction issues beyond our control. Because this work is culturally important, we have made it available as a part of our commitment to protecting, preserving and promoting the world's literature.

A captive insurance company is, in a nutshell, an insurance company formed by a business owner to insure the risks of the operating business. The operating business pays premiums to the captive, and the captive insures the risks of the operating business. A captive is much more than an exotic form of self-insurance: It is the creation of a new insurance company that has the potential to grow from being a mere captive into a full-blown insurance company seeking to profit from underwriting the risks of others. "Adkisson's Captive Insurance Companies" provides a basic introduction to captives and their benefits, including: utilize your own experience ratings; recapture underwriting profits; underwrite exposed risks and deductibles; access the reinsurance markets; and transfer wealth between generations. This book also provides a unique look at the wealth transfer, accumulation and preservation advantages of captives, as well as an overview of the types of captives, taxation of captives, and captive domiciles.

You no longer need a traditional employer plan to get good, affordable health insurance. The New Health Insurance Solution can help you cut your health insurance costs in half if: You're self-employed, an independent contractor, or your employer doesn't provide health insurance (you can probably get coverage on your own for about $94/month--a fraction of what an employer would have to pay for the same coverage)You are employed and pay extra to cover your spouse or children under your employer-sponsored plan--you may save 50% by taking them off your employer planYou own a small business and are getting killed by double-digit premium increases--you can now give employees tax-free money to buy their own plans and get your company out of the health insurance business

The book also explains in detail the best solutions for you if: You can't find affordable health insurance because you or a child have an expensive preexisting medical problem (your state has a program to provide you with guaranteed coverage )You're currently putting money into an IRA or a 401(k)--because you don't realize that an HSA is always a better optionYou're unsure how you or your parents will be able to afford health insurance during retirement, or how to maximize benefits from Medicare--including the new Part D prescription drug plan

The New Health Insurance Solution is the definitive guide to the new ways every American can now get affordable health care--without an employer.

PAUL ZANE PILZER is a world-renowned economist, a former advisor in two White House administrations, an entrepreneur/employer, an award-winning adjunct professor at NYU, and a New York Times bestselling author.

STEAL, CHEAT, AND LIE YOUR WAY TO THE TOP--a growing practice on both sides of the Atlantic that's costing consumers millions each year. Marine insurance is based on Uberrimae Fidei or utmost good faith but it hasn't worked out that way. Author Ed Geary closely examines the schemes of marine insurance fraud and conspiracy that involves not only boat owners and policy holders, but insurance brokers, and marine underwriters. Geary's disclosure of the Central Intelligence Agency's clandestine Operation Deep Six to destabilize the elected government of Venezuela and install Hugo Chavez as president put him in the cross-hairs of the Agency. Silencing him became an even greater priority when Geary exposed the CIA's theft of high value yachts used in idiotic schemes to smuggle of narcotics from Colombia to the United States. Association that ultimately destroyed an organization that's been around before the reign of Queen Victoria and exposes the fraud and trickle-down-corruption that has tainted the Lloyd's Agency System. fraudulent ship valuation conspiracy by the once reliable Lloyd's List in London challenges the imagination.

Insurance Decision Making and Market Behavior discusses such behavior with the intent of categorizing these insurance "anomalies". It represents a first step in constructing a theory of insurance decision making to explain behavior that does not conform to standard economic models of choice and decision-making. Finally, the authors propose a set of prescriptive solutions for improving insurance decision-making. Considerable evidence suggests that many people for whom insurance is worth purchasing do not have coverage and others who appear not to need financial protection against certain events actually have purchased coverage. There are certain types of events for which one might expect to see insurance widely marketed are now viewed today by insurers as uninsurable and there are other policies one might not expect to be successfully marketed that exist on a relatively large scale. In addition, evidence suggests that cost-effective preventive measures are sometimes rewarded by insurers in ways that could change their clients' behavior. These examples reveal that insurance purchasing and marketing activities do not always produce results that are in the best interest of individuals at risk. Insurance Decision Making and Market Behavior discusses such behavior with the intent of categorizing these insurance "anomalies". It represents a first step in constructing a theory of insurance decision making to explain behavior that does not conform to standard economic models of choice and decision-making. Finally, the authors propose a set of prescriptive solutions for improving insurance decision-making.

First Practical Guide to Integrating Risk Management, Business Continuity Management and Corporate Governance From Two World-Renowned BCM Pioneers Who Have Served on the British Standards Institution (BSI) Team Creating a British and International Standard for Risk Management. The U.S. Department of Homeland Security (DHS) is currently developing disaster preparedness standards for businesses. DHS is incorporating language from the British Standards Institution (BSI) because it "provides a management systems approach to business continuity and integrates risk management disciplines and processes." The two authors of this now classic text in the field have been directly involved in developing those BSI standards. Here they bring you a distillation of their worldwide experience in pioneering the integration of the disciplines of risk management and business continuity. This practical guide is endorsed by: * * * The Business Continuity Institute * * * The Institute for Risk Management * * * Disaster Recovery Institute International It includes numerous helpful features: * * * Chapter objectives, summaries and bibliographies; charts, sample forms, checklists throughout * * * Plentiful case studies, in boxed text, drawn from enterprises around the globe, including the UK, US, Europe, Australia, Asia, etc. * * * Boxed inserts summarizing key concepts * * * Glossy of 150 risk management and business continuity terms * * * Timely topics, including stakeholder management, supplier management, outsourcing, the people factor, technology recovery, and communication, both internally and externally. * * * Wide range of challenges, including supply chain disruptions, media and brand attack, product contamination and product recall, bomb threats, chemical and biological threats, etc. * * * Instructions for designing/executing team exercises with role playing to rehearse scenarios * * * Guidance on how to develop a business continuity plan, including a Business Impact Analysis * * * Ideal for senior undergraduate, MBA, certificate, corporate training programs; in use at 50+ campuses worldwide * * * Instructor Materials on CD, including PowerPoint slides and syllabus for 12-week course with lecture outlines/notes, quizzes, reading assignments, discussion topics, projects * * * Authors with extensive international experience in all aspects of risk management and business continuity, having worked with organizations in a combined total of 50 countries The authors' message is that risk management has become a strategic tool in managing all risk across an organization, and that BCM forms one more important tool in a much wider and coordinated risk management program. They are now complementary disciplines that must be understood and supported by your organization as a whole, including CEO's, directors, non- executive directors, risk managers, continuity managers, internal and external auditors, investment managers, compliance managers, finance directors, human resource managers, project managers, regulators, corporate trainers and other stakeholders. After discussing the relationship between risk management and BCM, the authors take the reader through the business continuity management cycle: how to understand the organization and its culture; continuity strategies; how to develop and implement a business continuity response, including developing a Business Impact Analysis; building and embedding a business continuity culture; testing/exercising a plan, along with benchmarking, maintenance and audit. "This book is a must read for those senior managers, risk managers and continuity managers who have the vision to see both the new opportunities and the new responsibilities of business continuity management." - George J. Mitchell, Chairman, DLA Piper Rudnick Gray Cary; Former Senate Majority Leader and U.S. Senator for Maine.

This book is a guide to implementation of World-Class Business Continuity Management within an enterprise. It may be used as a step-by-step guide by those new to Business Continuity Management or dipped into by the more seasoned professional for ideas and updates on specific topics. There is no absolute "right way" to perform business continuity management - although there are plenty of wrong ways. Business Continuity is not rocket science: it is applied common sense. Yes, experience helps, but it is no mystic art. This book makes the processes transparent and provide the reader with everything necessary to do the job. Many examples are provided throughout this guide: these all have their roots in real cases and real organizations, and come heavily laden with pragmatism. Over fifteen years of business continuity experience in environments large and small, public and private, has gone into developing the methods described. Your own "right way" for business continuity management means picking, matching and tailoring from the cases and examples provided and combining these with existing best practice within your organization. EXCERPT FROM THE PREFACE Melvyn Musson, FBCI, CBCP, CISSP I was very pleased to be asked to write a preface to this much-needed book. There are many books that have been written covering various aspects of hazard control, emergency response, disaster recovery and business continuity, but not one that pulls all areas together under the auspices of the individual sections of the BCI and DRII Professional Practices. Why my interest? To quote from a letter I wrote to the National Fire Protection Association (NFPA) in 1991 when they were considering the establishment of a Technical Committee to develop a Standard on Disaster Management: "Disaster Management, or Business Continuation Planning as we prefer to call it, is a natural progression from Hazard/Loss Control through Emergency Response to the recovery process. "The best hazard/loss control programs cannot prevent emergency or catastrophic situations occurring. The emergency response procedures that most companies have developed or which may be required by law, deal with such aspects as initial fire fighting, evacuation, life safety, etc. - what one might term the stabilization of the situation. They cover the first hours of the emergency. They do not deal with the long-term recovery, which could take several months. "Disaster Management, or some other similarly named program, is needed to enable the company to institute procedures to return to normal operations as soon as possible. That standard is now available as NFPA 1600: Standard on Disaster/Emergency Management and Business Continuity Programs. Within that standard are details of the BCI/DRII Professional Practices, albeit as part of the various sections of the standard and not as an individual, specific section. In addition to NFPA 1600, other standards and guides such as BS7779 in Great Britain and the recent Australian Risk Management Standard are incorporating the Professional Practices either by specific reference or wording relating to the practices. The advent of the Turnbull Report introduces a new consideration and need, which the Professional Practices can support. This makes it all the more important to have a reference material that can clearly detail what should be considered in each of the ten subject areas, together with appropriate examples and details of not only the benefits but also the problems that can be expected with each of those subject areas. Andrew Hiles has been able to do so in the development of this book. In addition, since Andrew intends to issue periodic updates, this book becomes a living document, which will address both changes in the Professional Practices and developments within the industry.

Arthur J. Gallagher & Co. has grown from one man in 1927 to one of the largest insurance brokers in the world with over 8,000 employees. 'This is a book about a business and a family that, by its example, defines integrity. It is a testament to the fact that business success comes from hardworking, honorable people who care about their clients. Jack Greenberg Former CEO & Chairman, McDonalds Corporation 'Many more decades of the century lie ahead. What makes Arthur J. Gallagher & Co. is its culture and its leadership pipeline. These are ingredients of longevity for a successful corporation. Ram Charan World-Renowned Business Consultant, Author, Speaker and Teacher 'I strongly believe that trust and a passionate belief in duty to the client should be the basis of our business. It's good to see The Gallagher Way continuing to show an outstanding example to the industry. Sir David Rowland Former Chairman Lloyd's of London 'Arthur J. Gallagher & Co. has established itself as a shining example of how insurance and risk management organizations should function. CPCU, Insurance Institute of America 'This book is a 'must read' for anyone in business who truly values the individual, whether a client or an employee. The Gallagher Way has stood the test of time. James J. O'Connor Former CEO Commonwealth Edison Platinum 400 Best Big Companies in America Forbes Magazine, 2004 & 2005

This unique book is a guide for students and graduates of mathematics, statistics, economics, finance, and other number-based disciplines contemplating a career in actuarial science. Given the comprehensive range of the cases that are analyzed in the book, the Actuaries' Survival Guide can serve as a companion to existing study material for all courses designed to prepare students for actuarial examinations.
* Based on the curricula and examinations of the Society of Actuaries (SOA) and the Casualty Actuarial Society (CAS)
* Presents an overview of career options and details on employment in different industries
* Provides a link between theory and practice; helps readers gain the qualitative and quantitative skills and knowledge required to succeed in actuarial exams
* Includes insights from over 50 actuaries and actuarial students
* Written by Fred Szabo, who has directed the actuarial co-op program at Concordia University for over ten years

Compact new guide walks you - or your clients - through the maze of issues to consider when making long-term care choices. Focuses on the most common, crucial factors for determining long-term care needs, including: - Funding Long term care - Long-term care for a young or disabled person - How to qualify for government care programs - Evaluating long-term care settings and facilities - Ins & outs of long-term care insurance policies: What do they cover? What don't they?? Are they affordable?? When clients think these issues through now, difficult choices will be easier down the road.Most people embrace life with a positive outlook on longevity and goodhealth, rarely considering the alternative. But most of us - young or old, single or married with children - will need to contemplate long-term care decisions for ourselves or a loved one eventually. These decisions can be emotionally and financially draining if advance preparations have not been made.Now, a compact new guide walks you through the maze of issues you need to consider when making long-term care choices. In his simple, straightforward style financial planning expert Don Korn focuses on the most common and crucial factors for determining long-term care needs, including: o Funding long-term care - what options are available if financialresources are not?o Long-term care for a young or disabled person - do the same policies apply?o How to qualify for government care programs such as Medicaid -and is that the best route for the family or the heirs?o Evaluating long-term care settings and facilities - what to look for, and how to guarantee that choices are honored?

A collection of thirty-five articles by this renowned specialist in the sytematic study of insurance, and covering a broad range of topics.

More than ever, the basic lesson for business managers and for business continuity professionals is: anything can happen This book is a guide to best practices in understanding risk and business impact. It provides essential guidance for the identification, management and control of risks confronting businesses --- What might happen? How will our enterprise be affected? What will the impact be? Answering these questions accurately and objectively is essential to Business Continuity Management, business success - and even business survival.The helpful examples all have their roots in real cases and come heavily laden with pragmatism. Over fifteen years experience in blue chip environments, large and small, public and private, has gone into developing the methods described. Others come with a respected pedigree from a variety of industries. Your own "right way" for risk management means picking, matching and tailoring from the cases, guidance and examples provided, and building on existing best practice within your organization. "This book is intended to provide guidance and examples for the identification, management and control of risks. Wherever practicable, we have used case studies and examples to illustrate the points."It is impossible to cover every industry, every process and every activity in work of this sort. We have therefore made the work as comprehensive as practicable and focused particularly on those risk areas of generic value to the reader, while providing references and case studies relevant to specific market sectors."Many examples are provided throughout this guide: these all have their roots in real cases and come heavily laden with pragmatism. Over fifteen years experience in blue chip environments, large and small, public and private, has gone into developing some of the methods described. Others come with a respected pedigree from a variety of industries.Your own "right way" for risk management means picking, matching and tailoring from the cases and examples provided and building on existing best practice within your organization."Where practicable we have provided examples of different methodologies so thatthe one most appropriate to the reader's organization's business continuity maturity and culture can be selected. The author is also conscious that it can only be a partial picture of what is a global business continuity industry. However, we have tried to be representative as far as practicable, illustrating issues, approaches and requirements from various countries."

Term life insurance. Whole life. Variable and Universal life insurance. The list of choices for insurance products continues to grow - along with the different uses and tax implications associated with each. Despite the dizzying pace of change in the industry, every financial professional must understand the different types of insurance available - and the considerations for purchasing them.-------------------------------------------------------------------------------Now - the Society of Financial Professionals teams up with tax and estate planning expert Lou Shuntich to bring you a practical new reference guide that is both compact and comprehensive. Concise and to-the-point, this handbook provides the latest industry information on: . The legal aspects of acquiring and owning a policy. The types of products and contracts available. Simple criteria for evaluating and comparing policies and insurance companies. The tax implications of each product type. Structuring policies, ownership arrangements and beneficiaries for maximum tax and legal benefits - and tips for avoiding traps and pitfalls in the processWhile not an exhaustive account of the industry - it's an excellent primer that covers the key concepts necessary when advising clients or analyzing portfolios and estates. And in keeping with the Society of Financial Professionals' steadfast commitment to providing continuing education to the industry, The Life Insurance Handbook is the perfect learning tool for keeping busy financial professionals and their clients up-to-date

COMPREHENSIVE EMERGENCY MANAGEMENT FOR LOCAL GOVERNMENTS: DEMYSTIFYING EMERGENCY PLANNING is a "how-to" guide for staff in small to mid-sized local governments. It is incumbent upon such local authorities to be as prepared as possible for the natural and human-caused emergencies that seem to be occurring with greater frequency throughout North America, whether large or small, urban or rural. Preparing for such an eventuality is not ad hoc or sporadic: it follows a logical process considering a wide range of important aspects well beyond what is traditionally considered emergency preparedness. Comprehensive Emergency Management (CEM) is a framework intended to guide novice emergency planners through the complete process of mitigation, preparedness, response and recovery. This work also includes an introductory chapter on the nature of local government emergency planning and a final chapter of tips on "putting it all together." Between these are detailed chapters on each of the four phases of comprehensive emergency management. The Mitigation chapter provides a thorough review of the concept of risk, risk assessment, management and communication. The Preparedness chapter constructs the preparedness plan which is an assembly of a general emergency management plan, four common priority plans covering public information, emergency social services, evacuation and telecommunications, and finally, hazard-specific preparedness plans for each hazard facing a community. The Response chapter covers the unique nature of response where the preparedness plan is put into use. Specifically, it addresses the scale of response by discussing mutual aid and supplementary resources. The Recovery chapter touches on the three cornerstones of recovery: staff, facilities and services. It also includes comments on the unique end to emergencies in addressing "Returning to Normal." Together they lead the emergency planner through the detailed process of compiling a comprehensive emergency management plan for their community. Beyond simply having the plan prepared, this book conveys the dynamic life of such a plan by stressing "the other 80%," which is training and exercising. Creating a training matrix for staff and developing a timetable of graduated exercises are those important steps beyond writing the plan that instill its principles and procedures. The book offers helpful advice on how a local government undertakes comprehensive emergency planning, who is assigned what tasks, and the ongoing obligations of those with such responsibilities. It is a treatment of the entire process of which writing a plan is only one part. There are many aspects to managing a successful, but more importantly effective, local government emergency program that are often overlooked by the novice or part-time emergency planner. This book provides a truly comprehensive view that any local government will benefit from.

Despite rising real incomes, the number of uninsured American workers and their dependents has not fallen appreciably. Policymakers in both political parties have considered the use of tax credits to encourage the purchase of private insurance coverage. This study analyzes the effects of a variety of forms of tax credits, especially for workers whose incomes place them above the poverty line but below the median family income -- a group in which the vast majority of the uninsured are to be found. The authors' conclusions differ from more conventional analyses in two ways. First, they find plausible effects on the numbers of uninsured persons that are larger than those of other studies. Second, they explore the distinction between the "cost" to the federal government of tax credits and the more relevant measures of tax credits' effects on aggregate economic welfare and cost to the economy. Nevertheless, they still find, as do most other analysts, that modest subvsidies will have little effect in reducing the number of the uninsured. For a given amount "spent" on credits, a key tradeoff exists between the breadth of the reduction in the uninsured and the depth of the increase in the coverage they take. While it is unlikely that the number of uninsured will ever be literally zero, the authors believe that carefully designed tax credits can both reduce the numbers of uninsured and improve the equity of tax treatment of the insured.

The 1990s saw no progress in the financing of health care. About 40 million Americans still have no health insurance including 22 percent of America's children and 19 percent of young adults. And an economic downturn brings with it increased numbers of uninsured. What can be done? Mark V. Pauly and John S. Hoff answer with a tax credit/voucher system introduced in a common-sense way, with as much simplicity and flexibility as possible. The United States can launch such a program immediately and make needed adjustments along the way. The use of the credit assists people in obtaining insurance and provides tax equity. The authors chronicle changes in U.S. attitudes about health care and in the economic environment, tackle design issues, and consider policy trade-offs and problems of the technicalities of such a program. They offer a sample tax-credit plan and respond to possible objections to their plan.

Medicare is a nationwide health insurance program for the aged and certain disabled persons. Over its 32 year history, it has provided important protections for millions of Americans. However, the program is now facing a number of problems. The first and most pressing concern is whether Medicare's financing mechanism will be able to sustain it in the long run. Many people are also concerned that the program's structure, which in large measure reflects both the health care delivery system as well as political considerations in effect at the time of enactment, has failed to keep pace with the changes in the health care system as a whole. A related concern is whether the program's benefit structure adequately responds to the health care needs of today's aged and disabled populations. This book addresses these and related issues.