In general, insurance is a highly regulated financial product. Every state requires licenses for insurance companies, and most states closely regulate both company conduct and the details of the particular insurance products sold in the state. This regulation is usually seen as important for consumer protection; however, it also creates barriers to entry in the insurance market and typically reduces to some degree the supply of insurance that is available to consumers. Rather than requiring consumers who may be unable to find insurance from a licensed insurer to simply go without insurance, states have allowed consumers to purchase insurance from non-licensed insurers, commonly called non-admitted or surplus lines insurers. Although any sort of insurance could be sold by a surplus lines insurer, most such transactions tend to be for rarer and more exceptional property and casualty risks, such as art and antiques, hazardous materials, natural disasters, amusement parks, and environmental or pollution risks. This book discusses surplus lines insurance, and property and casualty insurance.

Diese Dokumentation schlagt eine Schneise durch das Dickicht des Versicherungsmarktes der Cyber-Policen. Versicherungen gegen Cyberkriminalitat werden zunehmend wichtiger: Angriffe auf die Informationstechnik von Unternehmen koennen Schaden in Millionenhoehe hinterlassen, beispielsweise wenn sensible Datensatze gestohlen oder Seiten von Online-Shops lahmgelegt werden. Inzwischen bietet die deutsche Versicherungswirtschaft mit speziellen "Cyber-Policen" Schutz gegen eine Vielzahl von IT-Risiken. Doch wie schlagkraftig ist ein solcher Schutz? Welche Versicherer bieten spezielle Cyber-Policen an? Welche Gefahren koennen versichert werden? Welche Rolle spielt der Versicherungsvertrieb und worauf sollten Vermittler und Makler achten? Das sind nur einige der Fragen, denen Umar Choudhry nachgeht.

"Wir sichern Generationen." heisst es im OEffentlichkeitsauftritt der Deutschen Rentenversicherung. Doch was heisst die gesetzliche Rentenabsicherung, fur die rund 81 Millionen Burger in Deutschland heute und vor allem in 20, 30 oder gar 50 Jahren? Bei vielen Burgern bildet die Deutsche Rentenversicherung (DRV) und deren gesetzlichen Leistungen eine feste Planungsgroesse. Der Versicherte erhalt Schutz - ob bei Erwerbsminderung oder im Alter. Fur viele Hinterbliebene entsteht ein zusatzlicher finanzieller Anker. Mit der Einfuhrung des Alterseinkunftegesetzes im Jahre 2005 wurde die steuerliche Betrachtungsweise der gesetzlichen Rentenversicherung neu geregelt. Auf Grundlage derer, entstand das Drei-Schichten-Modell. Das vorliegende Buch betrachtet die Erwerbsphase und auch die Rentenphase, mit zahlreichen Praxisbeispielen, innerhalb der gesetzlichen Vorsorgeschicht I - der Basisversorgung. Was das fur die Beitragsaufwendungen und die daraus resultierenden gesetzlichen Rentenleistungen bedeutet und warum die gesetzliche Rentenversicherung Grundlage fur viele Beratungen ist und bleibt, zeigt Ihnen das vorliegende Werk. Das Buch richtet sich dabei sowohl an Berater der Finanzbranche, als auch alle Interessierten, die tiefer in die Materie der Deutschen Rentenversicherung einsteigen moechten. Es bringt Klarheit in teils nebuloese Sachverhalte und verspricht anwendbare Antworten aus der Praxis. Der Leser erhalt ein verlassliches Kompendium, das umfassende und praktische Informationen bereithalt. Bringen Sie Licht ins Dunkel und beantworten Sie Ihre und komplexe Fragestellungen von Kunden souveran. Nutzen Sie den Mehrwert an Kompetenz und entdecken Sie neue Moeglichkeiten durch eine AEnderung der Perspektive. Die neuen Regelungen ab Juli 2014 (Mutterente, Rente ab 63 etc.) werden dabei berucksichtigt.

Save $3,000 every year on the insurance you really need. Use our "tricks of the trade" to beat your agent's rates. Create a Wealth ReserveTM to self-insure small risks. Accumulate $100,000 in 15 years to protect your assets. Never pay retail again Your financial professionals-agents, advisors, brokers, managers-have been ripping you off for years. In the 21st century, you can purchase all your financial needs at a substantial discount, some to 60%. We will show you how to buy value-quality at the right price. You are already paying more premium for insurance than you need to. You are paying for things in your policy you don't even need. You are probably using companies that are in business to serve their agents and their stockholders more than to serve you. When you use our suggestions and start saving $3,000 every year, you can start building your Wealth ReserveTM.. This fund can help you save even more by using the strategy most businesses use to save on insurance. They self-insure some of their risks and save big. Most businesses pay less for their insurance needs by using their own interest-earning accounts to pay for losses, if they occur. You can do the same with your Wealth ReserveTM. Like most businesses, you can develop your own "lifestyle" security. Instead of paying for insurance you don't need, you tailor it to your way of living. For instance, you probably pay for a death benefit in your car insurance policy. If you already own low-cost term, you don't need to pay the high rates from your auto carrier.

Consumers may obtain health insurance from a variety of public and private sources, which can help protect them from the costs associated with obtaining medical care. Health insurance typically includes costs to consumers, which may vary for a number of factors, including scope of coverage, cost-sharing provisions, and federal or state requirements. Recent federal laws --specifically, PPACA and the Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA) -- further define coverage and cost parameters for certain health insurance plans available to consumers now and in 2014, when exchanges are required to be operational, and include provisions to increase children's access to coverage. This book provides a baseline comparison of coverage and costs to consumers in separate CHIP plans and benchmark plans in select states; describes how coverage and costs might change in 2014; and describes how access to care by CHIP children compares to other children nationwide.

Confused, Bewildered, Perplexed and Unsure about your Medicare Options?

Updated and expanded for 2014

Are you turning 65 in 2014? Looking for a resource guide that helps you to navigate the maze of Medicare choices available to you? Want a clear and concise book which will answer all your questions? It's not the answers you already know, it's the questions you don't even know to ask Questions you might be thinking about? When can I enroll in Medicare? Does Medicare cover everything I might need? Is Medicare free? What's the difference between copayments and coinsurance? Are there any deductibles? Are there any penalties for not enrolling? What's an AEP, IEP, SEP, OEP and everything else? Can I make changes to what I already have? What are the costs for Medicare? What's the difference between a Med Supp plan and a Medicare Advantage plan? What's a Medigap plan? How do I get my prescriptions paid for in Medicare? What's a donut hole? What is TrOOP? What is MOOP? Does Medicare cover long term care needs?

Click the book cover to "Look Inside" to read the first 10% of the book free. Who might benefit from the information and tools contained in this book? You're going to be turning age 65 in 2014. You're already enrolled in Medicare and want to know what other options you have. You want a comprehensive resource guide about Medicare benefits and Medicare health plans. You're a healthcare professional who wants to learn more about Medicare. Retirement Planning and Medicare

Healthcare expenses can torpedo your retirement savings if these costs are not properly taken into account. Thinking portfolio returns will exceed the potential health care expenses should extensive medical care be needed is ignoring financial market reality. Additional information is included covering: The Medicaid Program Choices for Long-Term Care What you Need to Know Before you Buy Planning the Medicare Buying Decision Additional Resources

Scott Cooper has simplified the complex world of business insurance specifically catered to restaurants industry, regardless of their size or number of locations. In this comprehensive book he has utilized his 27 years of being a restaurant commercial Insurance Broker and an ex-restaurant owner to provide invaluable must know information. The Ultimate Guide to Business Insurance - Restaurant Edition you will get: -Answers to most common questions asked about all lines of commercial restaurant insurance. -The knowledge to ask all the right questions from your Agent -What are the most damaging and prevalent claims which are on the rise -How to separate Myths from Facts by understanding real claim situations. -Must know information on how to eliminate and/or reduce your claims -Practical solutions to reduce insurance costs Bonus Section of interviews with other professional industry experts. - A Top Industry Legal Counsel discusses employment practices and what are the most common lawsuits against restaurant owners. Also, what are the do's and don'ts of handling employees. - A Top Southern California Restaurant Broker with wealth of information on how to buy and sell a restaurant and what to watch out for xxxxxx - A Financial Consultant specializing on key principals coverage and protection. Also how to evaluate your numbers and profitability. This is a must read for new and experienced restaurant owners, managers and operators.

Broker Executive is a strategic guidebook for business owners and executives to help them get the most out of their insurance and insurance broker. It also describes a new type of insurance broker - the broker executive - as one who adheres to the highest standards of customer service and business ethics. This book gives business executives an understanding of the thought process their broker should go through to find the right solution for them, with an emphasis on the usage of life insurance as a business tool. It identifies some of the hazards of the insurance world, and ways to avoid them. It also uncovers techniques top brokers can use to create additional value using insurance, including succession planning and key personnel retention strategies.

If an elephant sits on you, are you covered? You may laugh, but the question is based on a true story. An American couple was on safari in Africa when the husband walked too close to an elephant while taking a photo. The elephant unexpectedly sat down on the man and killed him. None of us know when disaster may strike, whether it's a house fire, a car accident, or an elephant sitting on you. But you can protect yourself and your loved ones from life's worst case scenarios by securing the right insurance coverage for your situation. In If an Elephant Sits on You, Are You Covered? top insurance agent Bart Baker walks you through the steps to safeguard the people and things you love from unforeseen catastrophes. Using his acclaimed Gap Elimination Process, Baker guides you through the nuts and bolts of eight key insurance categories: homeowners, auto, umbrella, life, long-term care, disability, natural disasters, and collectibles. Filled with engaging stories, inspiring experiences, and sound advice, this book shows you how to build a matrix of security around the things that matter most in your life. Practical tips and questions also guide you in making wise choices for maximum protection in the most cost-effective ways. Finally, suggestions on how to choose insurance agents support you in securing the best agent for your unique insurance needs. With this book, you have a powerful tool for protecting you and your loved ones from unexpected disaster. You have a way to avoid elephants."

According to stakeholders with whom the United States Government Accountability office spoke, several conditions must be present to increase private sector involvement in the sale of flood insurance. First, insurers need to be able to accurately assess risk to determine premium rates. Second, insurers need to be able to charge premium rates that reflect the full estimated risk of potential flood losses while still allowing the companies to make a profit, as well as be able to decide which applicants they will insure. However, stakeholders said that such rates might seem unaffordable to many homeowners. Third, insurers need sufficient consumer participation to properly manage and diversify their risk, but stakeholders said that many property owners do not buy flood insurance because they may have an inaccurate perception of their risk of flooding. This book addresses the conditions needed for private sector involvement in flood insurance and strategies for increasing private sector involvement.

Workers' compensation insurance covers nearly all workers in the U.S. and provides those who are injured or become ill as a result of work with medical treatment, a portion of lost wages, and a lump sum for some permanent impairments. Nonetheless, there are limitations to conducting studies that rely on workers' compensation records since not all injuries and illnesses result in claims being filed. Furthermore, the data that are collected are not readily combined if obtained from multiple sources since requirements vary substantially among the states. This book was written to help describe elements of the workers' compensation insurance programs in the U.S. and the potential to utilise the records for public health purposes. This book also focuses on several key policy issues facing the program, including the disproportionate share of claims and program costs attributed to postal workers, the payment of FECA benefits after retirement age, the overall level of FECA disability benefits as compared with those offered by the states, and the administration of the FECA program.