Insurance brokers and agents are trusted with fitting their clients into suitable life, health, homeowners & business policies to name a few. There are numerous insurance providers and they are not all the same. It’s important that the broker you choose is well-versed in policy differences from company to company and informed of the latest news, trends, and products. He/she…read more →
Hurricane Sandy did $19b of damage to the city in 2012! Many people (my family included) lost their coastal homes and were shorted 100’s of thousands of dollars from big-name insurance carriers that also raised rates. We were offered $16,000 for shingles on a demolished $2m+ beach house. With 520 miles of coastline, NY has more people living in high-risk…read more →
Many seniors are creatures of habit and are holding onto their large life insurance policies with expensive premiums that they may no longer need or afford. Based on the new Tax Law Reform, 2018 could be the best time to sell their policy. The Estate Tax has been increased: The tax exemption has been raised to $11,200,000 per person, $22,400,000…read more →
You may want to think twice what you tell your doctor on your next visit. Medical records are now online. When you sign a HIPPA (health ins privacy) form to apply for life, disability and/or a long-term care policy the following information is available with a few mouse clicks: On-line medical records: Insurance companies can and will be able to…read more →
By: Robert C. Intelisano CLU, CSA, LUTCF How does it work? Those who don’t understand the true benefits of life insurance premium financing worry this is a tool dependent on interest rates or policy performance. But even when interest rates have been high and markets have been shaky, financially savvy brokers have been closing deals by funding life insurance premiums. Why? Because…read more →
When people die, it’s not uncommon for their life insurance benefits to remain unclaimed because their beneficiaries didn’t know about the policy. Life insurance companies try to contact beneficiaries however people often move, don’t check their emails and sometimes change their names. Fortunately there are solutions for tracking down policies by using these 6 tips! Search for insurance documents: Look…read more →
The best pizza in NYC resides outside of Manhattan and can be found in Brooklyn and Queens! The following list represents the best pizza places to do financial and insurance planning. DiFara: in Brooklyn. Best designer pizza and best place to do your estate planning. Dom DeMarco can only make so many pies in a day, folks may not live…read more →
Robert discusses the important difference between an insurance agent or broker and which will save you substantial money when shopping for your health insurance policy.
Watch part 1 of our three part series on understanding and maximizing the benefits of Obamacare compliant health insurance policies.
By the time you are reading this article the enrollment window will have closed for 2014 and the administration will surely be telling us how wonderful things are going. By hiring navigators (that are not licensed) and cutting broker compensation by a staggering 80% it’s clear to me is that they are trying to phase brokers out. This leaves the…read more →
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