“We’ve been on a mission to create an in force data platform for independent distribution and carriers.”

FAIRFAX, Va. (PRWEB)
November 30, 2020

The National Association of Independent Life Brokerage Agencies (NAILBA) has announced the addition of NAILBA·Connect to its suite of benefits for the life insurance and annuities community.

NAILBA·Connect is a partnership between NAILBA and Insured Connect’s NIC platform and represents just one of the ways NAILBA is closing the coverage gap on 40 million uninsured and 40 million underinsured households between the United States and Canada. Included in NAILBA member dues, the subscription provides access to in force data from multiple carriers and the ability to view current books of business.

“There’s very little digital engagement in the life insurance industry,” Rick Hyde, CEO and Founder of Insured Connect, told NAILBA 39 emcee Katie Fehlinger. “We’ve been on a mission to create an in force data platform for independent distribution and carriers.”

Features of the NAILBA·Connect platform include:

• 
  Distributor/BGA in force policies
• Office & business unit profiles & in force policies
• Agent profiles & in force policies
• Policy owner profiles & in force policies
• Search & filters data insights
• Sales & service opportunities
• Management tools
• Distributor/BGA staff access
• Distributor ambassador
• Distributor resource center
• Static content sharing with agents

“The tools and resources available through NIC offer a unique advantage to wholesalers and advisors, putting them in a position to see and filter their entire book of business, all at the click of a button,” said Nathan Jacobson, Executive Vice President at Simplicity Life. “From term conversion opportunities to identifying policies that are at risk of lapsing, NIC puts agents and wholesalers in a better position to service existing business and find growth within their book.”

Learn more about NAILBA·Connect at https://www.meetnic.com/nailba-connect.

About NAILBA

The National Association of Independent Life Brokerage Agencies (NAILBA) is the premiere insurance industry organization promoting financial security and consumer choice through the use of independent brokerage distribution. NAILBA serves as the national association of life, health and annuity insurance distributors. For more information visit http://www.nailba.org.

NAILBA 39: ENGAGE is a multi-day virtual conference offering both live and OnDemand content. Learn more and register for future dates at https://nailba.memberclicks.net/nailba-39-engage.

About Insured Connect

Insured Connect is an insurance technology company that leverages life and annuity data to connect Carriers with Policy Owners, helping them save money, increase revenue and meet compliance standards.

Share article on social media or email:

“The Zip code of a driver can tell a lot to an insurance company. Drivers who live in densely populated areas with high crime rates and vandalism will pay more on their monthly premiums”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
November 30, 2020

Compare-autoinsurance.org has launched a new blog post that explains why the address of a driver is very important for car insurance companies.

For more info and free quotes, please visit https://compare-autoinsurance.org/the-relevance-of-you-neighborhood-from-a-car-insurance-companys-point-of-view/

The Zipcode of a person that wants to obtain car insurance is very important for car insurance providers. Carriers can find out a lot of information about drivers, just by analyzing the Zip code. Depending on their address, drivers can enjoy paying less on their car insurance premiums or they will have to fork out more money out of their pockets to pay the monthly insurance bill.

Insurers will analyze the next factors to determine the insurance premiums:

• The number of claims. Policyholders who live in areas where claims are filed more often are going to pay more on their insurance rates. Some of the costs of the claims made in an area are spread across all policyholders, even to those who made no claims.
• Population density. Areas that have a high population are more likely to have more cars on the roads. If there are many cars on the roads, then the chances for a car crash are increased.
• Weather and climate. Drivers who live in areas where winters are severe and longer are going to pay more on insurance. Snow and icy roads can increase the likelihood of a car crash. Furthermore, drivers who live in areas prone to flooding or tornadoes will also need to pay more on the monthly insurance.
• Car theft and vandalism. Usually, drivers who live in the city are more likely to have their cars stolen or vandalized. Also, many cities have a bad neighborhood where cars are stolen and vandalized more often. Drivers who live in that neighborhood will have to pay more on insurance.
• Unemployment. In areas with high levels of unemployment, the number of uninsured drivers is very high. Drivers who got hit by an uninsured driver will have to pay for the cost of their own medical expenses and the cost to repair their own vehicles, even if they are not at fault. The only way to recover some of the costs is to sue the at-fault uninsured driver.
• Road conditions. Roads covered by potholes and intersections that are known to be dangerous will also raise the premiums.
• Availability of public safety services. Drivers who live in cities where traffic laws are aggressively enforced and are considered safer will have to pay less money on their car insurance premiums.
• The number of lawyers. Car insurance will cost more for drivers who live in cities that have more lawyers than the average city.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Share article on social media or email:

Public Adjuster looking at a Roof Damage – ProFloridian

FORT LAUDERDALE, Fla. (PRWEB)
November 28, 2020

ProFloridian Claims Consultants was established in 2011 with a single office in Miramar that offered assistance to commercial and residential clients. The company has built a stellar reputation for obtaining fair and equitable insurance settlements for clients. Currently, the company offers professional public adjusting services throughout South Florida.

The company handles insurance claim for:

•     Water damage
•     Fire damage
•     Denied claims
•     Roof damage
•     Hurricane damage
•     Mold damage
•     Theft & vandalism
•     Business interruption
•     Wind damage
•     Hail damage

No one understands the regulations and laws that govern insurance claims better than a public adjuster – and ProFloridian Claims Consultants’ Fort Lauderdale office employs some of the most experienced and knowledgeable ones in the business. The strategies they use to negotiate maximum compensation for insurance claims are tried and tested. Every successful claim equals another happy client who’s obtained a fair payment to cover the costs of repairing their property damage.

While many public adjusting firms outsource insurance claims to third parties, ProFloridian Claims Consultants handles every case itself. By paying attention to detail and documenting every bit of damage incurred, ProFloridian public adjusters become a significant asset for homeowners filing a property damage claim. Moreover, regardless of the claim type, its severity, or extent, ProFloridian assumes full responsibility for the result.

Most importantly, ProFloridian Claims Consultants don’t work for insurance companies, but for homeowners. Once engaged, a public adjuster will perform a comprehensive damage assessment of the client’s house. With accurate documentation in hand, they will then negotiate for a settlement that will cover the client’s repair expenses in full.

ProFloridian values fairness, objectivity, and accuracy. Insurance companies often employ unsavory tactics to either deny or underpay property damage claims. This is unfair to the homeowner, who typically has little or no knowledge of the claims process. ProFloridian uses its ample experience and expertise to thwart insurance companies’ dishonest tactics. Any homeowner who obtains these professional claims consultants’ assistance will receive the fair settlement they deserve.

ProFloridian Claims Consultants

2598 E. Sunrise Blvd Suite 2104

Fort Lauderdale, FL 33304

954-588-7416

https://www.profloridian.com/public-adjuster-fort-lauderdale

SOURCE ProFloridian Claims Consultants

Related Links

https://www.google.com/maps?cid=9991640865079926280

Share article on social media or email:

“Driving without a license is not worth it. Besides facing financial penalties, drivers caught driving without a license can also face jail time..”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
November 27, 2020

Compare-autoinsurance.org has launched a new blog post that presents some of the reasons why drivers should avoid driving without a license.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/the-most-important-reasons-why-drivers-shouldnt-drive-without-a-license/.

Many people are tempted to get behind the wheel, even if they don’t have a license yet or they have it revoked, or expired. However, people driving a vehicle without a license risk losing more things than they can imagine.

The consequences of driving without a license are the following:

• High fines. The fines for driving without a license are ranging from $150 to $10,000 for first offenses. Offenders will spend more money on their insurance premiums, possible court costs, vehicle impoundment fees, and more.
• Lawyers fee. Drivers who face jail time because they have been caught driving without a license and have been charged with a criminal offense should consider how much a law firm will cost to represent them in court. It’s not cheap to pay a criminal defense lawyer by the hour just to lessen the penalties and charges.
• Drivers can add a misdemeanor or a felony to their record. In New York, drivers caught without a license can go to jail for 30 days. In Arizona, driving without a license is a Class I misdemeanor, and drivers caught without a license can get imprisonment for up to six months.
• Higher premiums. Not all insurance companies cover high-risk drivers, like drivers caught without a license. Also, the ones that do cover high-risk drivers are extremely expensive.
• Vehicle impoundment. In some states, driving while revoked, suspended, or otherwise unlicensed means immediate vehicle impoundment. Besides paying a $100-$500 fine, drivers will also have to pay several hundred dollars to the impound lot. However, in Alaska, drivers caught without a license can lose their cars for good.
• Vehicle registration can be revoked. After getting the car back from the impound lot, drivers will also have to make a trip to the local DMV and spend more money to re-register their vehicles.
• Prolonged license suspension. In Colorado, drivers who are caught twice driving without a license are no longer allowed to get one for at least three years. In North Carolina, drivers charged with a third offense can face a permanent license suspension.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Share article on social media or email:

“There are many reasons why car insurance rates vary from one state to another. Although drivers can’t control many factors that make car insurance more expensive, drivers can still get cheaper rates if they are good drivers, cause no accidents or drive less ” – R. Rabichev, IMC’s CEO

LOS ANGELES (PRWEB)
November 26, 2020

Compare-autoinsurance.org has launched a new blog post that presents the reasons why car insurance rates vary from state to state and where drivers pay the most expensive premiums.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/why-do-car-insurance-rates-vary-from-state-to-state-and-which-states-are-the-most-expensive/

Before people move to a new state, they consider the cost of living in their new location. Among the house prices, property taxes, and sales taxes, people also consider the price of car insurance. In the US car insurance prices can vary wildly from state to state.

The reasons why car insurance rates differ between states are the following:

• Rating factors and rules. States decide which methodology insurance companies can use to set their rates. Some states don’t factor in age, gender, or credit history. Furthermore, there are 13 states that require state approval before rates can increase.
• Personal injury protection. PIP, also called no-fault insurance, covers the medical expenses for the driver and its passengers after an accident, regardless of who caused it. PIP can also pay for lost wages, rehabilitation, or funeral expenses. However, drivers are still required to buy bodily injury liability and property damage liability. For this reason, no-fault states have higher insurance costs than at-fault states.
• Uninsured Motorist (UM) and Underinsured Motorist (UIM) insurance. UM bodily insurance coverage pays the medical expenses of a driver injured by a hit-and-run driver or by a driver who has no insurance. UIM bodily injury covers a driver who got hit by someone who doesn’t have enough coverage. 19 states and the District of Columbia require UM alone or both UM and UIM coverage.
• The number of uninsured drivers. Uninsured drivers are more likely to commit hit-and-run accidents. Insurance companies are required to pay claims when uninsured drivers cause accidents. However, these payments are spread among insured drivers. For this reason, insurance rates are more expensive in states with more uninsured drivers.
• Population density. Accidents are more likely to happen in crowded urban areas. Also, dense areas have a higher incidence of crimes such as car theft, break-ins, and vandalism. Car insurance rates increase with population density.
• Age of drivers. States with the highest percentages of drivers either under 25 or over 65 are more likely to charge more for car insurance. Teenagers, young adults, and senior drivers are considered to be high-risk drivers for various reasons.

The most expensive states for car insurance in 2020 are the following:

• Michigan: $2,409 annually. A unique no-fault insurance system coupled with a high number of uninsured drivers makes Michigan so expensive. However, insurance rates might go down thanks to a bill adopted in July. Michigan drivers are now allowed to have options when it comes to coverage levels for minimum liability insurance requirements and some personal factors not related to driving can no longer be used to determine rates.
• Florida: $2,178 annually. In Florida PIP insurance is mandatory. Also, there are many young students and older drivers. Finally, Florida has the highest number of uninsured drivers in the country.
• Maryland: $2,090 annually. Drivers in this state are required to buy bodily injury and property damage liability, PIP, uninsured motorist coverage, and underinsured motorist coverage. Also, Maryland ranks at number three when it comes to the most car accidents in the US.
• Georgia: $1,910 annually. Georgia has some of the most accident-prone roads in the country. Drivers in Georgia also drive expensive vehicles that are costly to repair.
• Delaware: $1,806 annually. A high population density combined with a large number of older drivers, makes Delaware one of the most expensive states for car insurance. Also, Delaware’s healthcare costs reached the top three in the country.
• Nevada: $1,760 annually. Residents of Nevada are overly litigious when they get involved in car accidents. Also, they drive expensive cars that cost a lot to repair.
• South Carolina: $1,674 annually. Mandatory uninsured motorist coverage and a high percentage of older drivers are the reasons why South Carolina’s premiums are so high.
• Louisiana: $1,535. 40 percent of all drivers in Louisiana hold only the state minimum insurance, while 15 percent have no insurance at all. This means that more than half of Louisiana’s drivers have little or no protection at all. For this reason, when an accident happens, victims rely on the court for adequate payout. Hurricanes and floods force the premiums to rise, too.
• Missouri: $1,519 annually. This state mandates uninsured motorist coverage. Almost one in seven people is driving without insurance.
• Texas: $1,506 annually. The second most populated state is filled with many teenage and young adult drivers. Also, it has the fourth-highest cost for healthcare in the country, so insurance companies pay hefty medical claims.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Share article on social media or email:

“Even if you don’t have financial problems, you shouldn’t say no to an opportunity to save money on car insurance. The various discounts provided by insurers can make the insurance premiums to be very affordable”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
November 25, 2020

Even though they are not financially struggling, drivers should take advantage of car insurance discounts. Car insurance companies can reward their customers with various discounts, for various reasons. These discounts can help policyholders save hundreds of dollars per year, or even more.

The following discounts can help drivers obtain affordable insurance policies:

• 
  Multi-policy discount. This discount is probably the best and the most rewarding discount available on the market. Insurance companies are pleased when their customers bring more business to them. Policyholders that own a home and a car, can bundle these two policies together and obtain a discount that can be as high as 20%.
• Multi-vehicle discount. If there are more vehicles in a household, then drivers can save money on car insurance if they bundle the vehicles’ insurance policies. The combined policy will be cheaper than insuring the vehicles on separate policies.
• Good credit score discount. Policyholders who have a good or excellent credit score are rewarded with lower insurance premiums. Insurance providers claim that drivers with a good credit score are more responsible on the road and they have a smaller number of insurance claims compared to drivers who have a poor credit score.
• Good driver discount. Depending on the insurance provider, drivers who manage to keep their driving records clean for a period that is between three to five years are eligible for this discount.
• Low-mileage discount. Policyholders who drive fewer miles than usual can get this discount. Drivers who spend less time on the roads are less likely to be involved in car accidents. Insurance providers can offer a significant discount to those drivers who manage to drive fewer miles in a year than a certain limit.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Share article on social media or email:

Overall, this year OEP premium increases are in the single digits and decreases are not uncommon

BEDFORD PARK, Ill. (PRWEB)
November 25, 2020

Preferred Health Insurance Solutions team of licensed insurance professionals utilize marketplace knowledge to help individuals find affordable marketplace enrollment plan solutions.

“The 2021 Open Enrollment Period (OEP) is Preferred Health Insurance Solution’s (PHIS), formally known as ACA Marketplace Enrollment Solutions (ACAEnroll.com), (7th) seventh OEP. PHIS, licensed insurance professionals can utilize marketplace experience to help individuals find affordable health coverage options to meet their needs and budget,” remarked Robert Dial, Vice President, PHIS. “Overall, this year OEP premium increases are in the single digits and decreases are not uncommon,” Dial added. (1)

One of the advantages of working with a licensed health insurance professional is often times they are able to utilize their experience, to help the insured secure a marketplace plan that is in line with their budget and insurance needs. In addition to the cost for monthly health insurance premiums, an individual also needs to look at other out-of- pocket expenses such as deductibles, co-insurance limits and prescription drug coverage.

The 2021 Open Enrollment Period (OEP) began on Sunday, November 1st and goes to Tuesday, December 15, 2020. Individuals who do not enroll by December 15th cannot get a marketplace health insurance plan, until the next OEP, unless they have a qualifying event under the Special Enrollment Period. To help individuals begin this process, Dial outlines some critical steps to finding the most cost-effective plan and important OEP deadline reminders.

Tip 1: Work with a certified insurance broker who can help you select a policy for the new calendar year. Dial added, “After evaluating the individual’s or family’s overall needs, a licensed health insurance professional can shop the Marketplace in order to review coverage options. PHIS’s certified insurance brokers are able to quickly walk a client through the entire process of selecting a healthcare plan and enrolling them for coverage. Additionally, PHIS will be able to respond to any questions the insured may have regarding their 2021 health insurance plan.”

Tip 2: Gather all information needed to calculate any subsidies the insured my qualify for. Prior to starting the application process Dial recommends the individual gathers necessary tax documents. Having past tax documents available will help ensure financial information is entered correctly. Employer and income information for every member of your household that will be included on the policy. Pay stubs or W2 forms will be needed as well. This information is needed to calculate any subsidies the insured may qualify for, which will help lower the cost of policy premiums.

Tip 3: Be aware of important deadlines and dates outlined by the federal government. These dates include:

a. Tuesday, December 15th: OEP closes.

b. Friday, January 1st, 2021: The date when 2021 health insurance plan coverage begins.

“Purchasing health insurance through the Marketplace can be a confusing process. That is why working with an agency that has experienced licensed insurance professionals is so important. There are several factors, government rules, and provisions to consider before purchasing health insurance. The OEP provides consumers the ability to shop for new plans and enroll for coverage. This is the only time consumers can purchase a qualified, guaranteed issue, Major Medical Health Plan, without a qualifying event,” Dial concluded.

Source (1) https://www.cms.gov/blog/decreasing-premiums-increasing-choice-and-better-consumer-experience-healthcaregov

About Us: Headquartered in Bedford Park, Illinois, Preferred Health Insurance Solutions (PHIS) is a national enrollment firm specializing in the Health Insurance Marketplace as well as a variety of other health insurance products including: Dental, Critical Illness; Short Term Major Medical; and others. PHIS, formerly known as ACA Marketplace Enrollment Solutions (ACAEnroll.com) provides enrollment services throughout the country, through national and regional health insurance carriers on or off the marketplace. Consumers can call the PHIS Call Center at 800-342-0631 or access the company’s website at https://www.PHISonline.com.

Share article on social media or email:

“Black Friday will help drivers find the best discounts. For many, now is the perfect time to renew coverage or switch insurers”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
November 24, 2020

Renewing car insurance is something that should come as the natural thing to do for any responsible driver. Without any form of insurance, he will be heavily penalized by either the authorities, when caught driving without insurance, or by insurance companies, when he finally decides to get some coverage. The main problem of those who do not want to renew their insurance plan is the associated cost of auto insurance. And many of them are right since there are so many companies who seem to charge customers a seemingly unfair price.

• 
  Renewing the contract at the right time is a smart way to get cheap auto insurance. Renewing your car at the right time will help you save a lot of money and gain peace of mind. In order to get better deals, there are several conditions to be met. First of all, you must meet certain requirements, find the right insurance providers, and negotiate.
• Renewing car insurance on Black Friday is really beneficial because this is the time when the biggest discounts can be found. And there are other bonuses which can be grabbed during this day. On the promotional list you may find cheaper extra services or more accident forgiveness programs.
• Insurance companies are aware of the tempting offers their rivals may promote. In many cases, the only way to counter-attack is to also provide insurance cost-cutters. This is why the market is teeming with special offers for those who want to renew the policies in advance during Black Friday. Renewing a policy in advance will spare the company from some paperwork and will help it plan its budget better.
• Also, consider switching carriers. One of the most popular promotions is a discounted rate for a short period of time: say, 20-30% off the first six months of car insurance when buying a one-year plan. The car insurance company gets a new customer, and the client gets 30% cheaper car insurance for the first six months.
• It is always recommended to initiate the renewal procedures in advance and ask for some documents. When Black Friday starts, make sure to have all papers ready and check for the latest price updates.

For additional info, money-saving tips, and free car insurance quotes, visit https://compare-autoinsurance.org.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Share article on social media or email:

RoadVantage is recognized as a 2020 Top Workplace

“We are extremely proud of the service-minded culture we’ve built here at RoadVantage,” said Garret Lacour, RoadVantage CEO. “This award is a gratifying acknowledgment of the positive way our employees feel about our company.”

AUSTIN, Texas (PRWEB)
November 24, 2020

RoadVantage has been awarded a Top Workplaces 2020 honor by The Austin American-Statesman. The list is based solely on employee feedback gathered through a third-party survey. The anonymous survey measures 15 individual drivers of engaged cultures that are critical to any organization’s success: including alignment, execution, and connection, just to name a few.

“We’re really pleased to win this award,” said Randy Ross, RoadVantage President of Sales. “In challenging times, it is more important than ever to maintain a strong connection between employers and employees. We have consciously sought to hire the very best talent at every level of the company and in every department. The Top Workplaces program accolade confirms our efforts to create a dynamic working environment that is good for both the company and our people. We feel honored to be recognized by our staff.”

“We are extremely proud of the service-minded culture we’ve built here at RoadVantage,” said Garret Lacour, RoadVantage CEO. “This award is a gratifying acknowledgment of the positive way our employees feel about our company. The result is a team of top-shelf industry professionals, working together, to meet and exceed the highest expectations of our Agent Partners, their Dealers, and customers every day.”

About RoadVantage

Fueled by innovation, led by industry veterans, and powered by passion to create an exceptional customer experience, RoadVantage is the #1-rated F&I provider in the industry. With a team that leverages technology and a streamlined approach, RoadVantage is setting new standards for performance, with exclusionary programs providing the most comprehensive coverages available anywhere in the industry today. RoadVantage’s industry-leading service levels result in 98% of claims approved in seven minutes or less, and 99% of claims paid within 1 hour of receipt of the signed invoice. RoadVantage offers a full portfolio of mechanical VSC and ancillary products through certified agents and is headquartered in Austin, TX with regional offices in Boston, MA; Dallas, TX; Phoenix, AZ; St. Augustine, FL, and Richmond, VA. For more information, visit http://www.roadvantage.com.

Share article on social media or email: