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Farm Bureau Insurance Explained: States and Membership The American Farm Bureau Federation is a group that represents farmers and other people in agriculture. It was started in 1919 to advocate for farmers and their financial and political interests, but today anyone can support Farm Bureau’s cause and become a member for an annual fee. One major perk of membership is access to Farm Bureau insurance. Membership is available through your state’s Farm Bureau office, and fees vary. Anyone can become an associate Farm Bureau member, the cheapest membership level, for an annual fee that typically runs $20 to $75 a year. Agricultural business owners and workers can pay more for a regular membership, making them eligible to run for leadership positions and vote within the organization. You must be a member of the organization to buy Farm Bureau insurance. Farm Bureau insurance Farm Bureau members can buy insurance through one of several companies, depending on the state. In 19 states, a state...

Hanover Insurance to slash jobs Hanover Insurance Group will hand about 160 employees – around 3% of its workforce – their walking papers, the company said Wednesday. The insurer said the job cuts will save it about $30 million in annualized pre-tax expenses. It expects to save another $20 million through unspecified “non-personnel cost reductions.” Celebrate excellence in insurance. Nominate a worthy colleague for the Insurance Business Awards! About half of the job cuts will take place in Worcester, Mass., according to a report by the Worcester Telegram. Hanover reported net income of $78.4 million in the second quarter, blowing past analysts’ projections. That’s well ahead of Q2 2016’s reported net income of just $2 million. Hanover took a $56 million charge that quarter to pay off debt, according to the Telegram. The job cuts are part of President and CEO Joseph M Zubretsky’s push to shore up the insurer’s financial position. Since taking the reins at Hanover in June 2016, Zubretsk...

Who Auto Insurance Claim Check Will Be Made Out To Details. Details. Details. As much as you may not like it, details are what auto insurance is all about. If you've ever actually read your policy (and shame on you if you haven't) you know that auto insurance can be very complicated, especially when it comes to your claim. There's really no way around it, though. It's complicated by nature. One of those details has to do with who actually get paid when a policyholder makes a claim.  ​ Who Is Paying the Claim There are a number of basic factors involved in the "who gets the money" question. The first has to do with who is actually paying for the damages. This depends almost always on who caused the accident (Michigan check here). If the insured (that's you) is at fault, then your insurance company will be footing the repair bill. But what if it's the other driver's fault? In that case, it's the other driver's insurer that's on the line. ...

What is comprehensive car insurance? Comprehensive insurance is a core auto insurance coverage that helps you prepare for the unexpected by covering events other than a collision with another vehicle. It is typically purchased in addition to liability insurance, which is required by most states to drive legally, and collision insurance, which only applies to an accident involving another vehicle. Avoiding car accidents is one way to stay safe in your car - but what about accidents other than those involving another vehicle? Comprehensive insurance can provide you with an extra level of coverage against these types of mishaps. What does comprehensive auto insurance cover? Comprehensive car insurance coverage is a type of auto coverage that pays for damage caused by covered events other than a collision with another vehicle, such as vandalism or hail damage. Without comprehensive insurance, you may have to pay to repair these kinds of damages to your car, which can outweigh the price of ...

Comprehensive Insurance Coverage Comprehensive insurance coverage is one of the main coverages available as part of a car insurance policy. In definition, it offers protection from a vast range of damages that may occur to your vehicle in the event of a loss that is not the result of a collision. Comprehensive car insurance coverage includes coverage for damage from theft, fire, explosion, vandalism, and flying or falling objects. Comprehensive coverage also includes your glass and windshield. Comprehensive auto insurance coverage also includes coverage for damage from weather conditions or natural disasters, like windstorm, hurricanes, tornadoes, earthquakes, hail, and flood. Comprehensive coverage also includes damage to a vehicle caused as a result of a collision or damage from birds or an animal. Comprehensive coverage also provides insurance when your vehicle is damaged as a result of civil unrest or riot. Is Comprehensive Coverage Mandatory or Required? Comprehensive coverage is ...

Free auto insurance quotes: What really happens when you get them (Phone calls!) I’ll make a safe bet: Within the last two days, you’ve seen or heard an offer to try your luck at a lower rate by getting a free auto insurance quote. All you have to do, the insurance company promises, is fill out a free ‘n’ easy questionnaire to get your new price. But what actually happens when you fill out a free auto insurance quote? Does the experience live up to the promises we see and hear in all of those perky ads? And what happens to all the personal information you have to hand over, and how bad is the ensuing marketing bombardment you get on your phone and in your email inbox? I went on a free insurance quote spree. Here’s what I found When I needed a new insurance policy recently, I put off the chore for weeks until I decided to fill out as many free quotes as I could in one night. All I was hoping to do was break through all of the questionnaires and advertisements to get a list of prices fro...

How to Get Free Car Insurance Quotes There’s no shortage of websites advertising free car insurance quotes online. Some may give you more than you bargained for and some may not deliver at all. Why should you put up with all of this hassle just to get a free auto insurance quote online? Familiar names such as Geico, Esurance, Allstate, and Progressive, offer free car insurance quotes through their websites. These are trustworthy, straightforward websites that allow you to purchase one of their policies directly from their website. Unfortunately, not all free insurance quote websites are that simple. You might be surprised to know that not all free insurance quote websites out there do that.Free Car Insurance Quotes Get Free Auto Insurance Quotes Online With No Fuss There are a large number of websites out there that get paid to pass your information along to third parties, typically the insurance companies for whom you’ve been given a quote. The distinguishing feature here is that you ...

5 questions to ask your agent before buying a health insurance policy We list out five questions you should ask your agent for picking the right health insurance policy. There are plenty of health insurance policies available in the market . Finding the right one could be bit of a challenge. We list out five questions you should ask your agent for picking the right policy. 1) What does the policy cover? Shop around not just for premium but for coverage too. To understand the coverage first ask your agent what type of policy it is- basic hospitalisation plan, critical illness plan or a daily hospitalisation plan. After understanding what is covers ask about extent the coverage. For example:  Apollo Munich's Optima Vital cover 37 critical illnesses whereas HDFC ERGO's Critical Illness Platinum plan covers just 15 critical illnesses. So the scope of coverage differs from policy to policy. Ask your agent what it covers before buying one. 2) Are there any sub-limits? There are healt...

Germany's Munich Re raises stake in Apollo Munich Health Insurance to 49% The deal increases Munich Re's holding in Apollo Munich to nearly 48.75 per cent, with 51.1 per cent held by Apollo Hospitals, and the rest by employees. The move is aimed at increasing the German firm's business in India, which it said is "one of it key markets." German reinsurer Munich Re said it would buy an additional 23.27 per cent stake in Apollo Munich Health Insurance Co from its joint venture partner Apollo Hospitals Group India for Rs 164 crore ($24.18 million). The deal increases Munich Re's holding in Apollo Munich to nearly 48.75 per cent, with 51.1 per cent held by Apollo Hospitals, and the rest by employees. The move is aimed at increasing the German firm's business in India, which it said is "one of it key markets." Apollo Munich Health Insurance holds about 8 per cent of the retail health insurance market in India, but Munich Re said it was betting on a ste...

Insurers welcome Irda clarification on management control Insurers feel that the new clarifications from the regulator Irda on higher FDI will boost foreign capital inflows into the industry. Clarifying the issue of management control as specified in the new Insurance Act, the insurance regulator on Monday said Indian promoters will have control over appointment of majority of directors and that of key management persons, including CEOs. However, foreign investors can nominate non-CEO level key management persons provided such an appointment is approved by the board where majority of the directors, excluding independent members, are the nominees of Indian investors. Stating that "both direct and indirect holding in a domestic insurance company shall not exceed 49 per cent", the regulator said existing companies need to comply with these guidelines within three months. Both the insurance subsidiaries of State Bank of India, SBI Life and SBI General are already progressing towa...

Life insurance industry clocks growth of 18.5 pc in H1 Life insurance industry recorded an 18.5 per cent growth in the new business during the first half of this fiscal, with country's largest insurer LIC growing less than 10 per cent during the period. The life insurance sector comprising 24 players mopped up Rs 58,286.40 crore new business premium during the April-September period as compared to Rs 49,178.17 crore in the same period a year ago. Of this, 23 players in the private sector space earned new premium of Rs 17,124.63 crore during the period as against Rs 13,344.95  crore, registering a growth of 28.3 per cent. During the first 6 months, Life Insurance Corporation (LIC) recorded a growth of 9.2 per cent in terms of new premium collection at Rs 39,161.78 crore as compared to Rs 35,833.21 crore in the same period a year ago. The market share of LIC stood at 67 per cent at the end of September. Among private sector, SBI Life earned new premium of Rs 2620.88 crore, HDFC Life ...

Top 10 Points You Should Know About E-Insurance Gone are the days where paperwork used to be an issue in official tasks and you would end up with official paper documents and safeguarding them. India is changing and you can just see how much digital India is slowly becoming if you just step out of your home. With online shopping, mobile phone recharge, online food delivery systems and even other facilities, you have everything within the reach of your hands. With everything turning into a digital platform, the insurance in India has also gone digital. Hence, keeping your documents in a de-materialized form is now easier than ever. Learn everything about E- Insurance from the points listed below. The Ten Points about e-Insurance There are 10 vital points that you need to know about e- insurance and here are those points which wrap up everything there is to know about this Insurance, 1.What is E- Insurance? Like the name sounds, the e- Insurance is the account is the counterpart of the d...

Insurance Options for Your At-Home Business If you work out of your home, there’s a good chance you need specific business insurance coverage. Even if you have homeowners or renters insurance, your policy may not do enough to meet your needs. Depending on the kind of business you have, you have several insurance options to consider.  What to Protect in a Home Business Several aspects of an at-home business could require additional coverage: 1. Equipment and supplies If you use computers or other equipment as well as inventory and supplies to do business out of your home, you probably need more coverage than what you may be getting from your homeowners policy, which typically won’t protect anything beyond your personal belongings. 2. Business papers A regular homeowners or renters policy doesn’t usually protect business documents, such as financial records or intellectual property 3. Liability If you work at home a lot even though you have an office, consider additional coverage to ...

Hillary vs. Trump: Who’s better for insurance? We now find ourselves smack in the middle of political season, and lucky for us, we have about five more months of political rhetoric to look forward to. Given my love for insurance, and new found love for following the strategic discourse of our presidential nominees, I felt compelled to write about which nominee would have a more pleasant impact on personal insurance? Donald trump prides himself as being the consummate businessman. And as such, argues that through his tax proposals, trade agreements and overall ability to manage and negotiate with the best of them, he will bring great success back to the middle class. On its face, this would presume that insurance costs for small businesses could decrease. In addition, assuming Trump is able to rev up the economy to the tune of the growth rates he’s suggested, it’s conceivable that insurance rates in general could decrease as a result of the increased profits for insurers. All in all, no...

Are you ready for some football! Probably… The summer is coming to a close, and along with the fall ushering in better weather, it also brings the highlight of the sporting season (from a professional and collegiate perspective). Football is on deck, with hockey and basketball approximately 1-1.5 months away. You couple that with baseball winding up and a summer filled with the incredible Olympics, and you have a span of about 2 – 6 months of shear athletic bliss. Like most non-professional athletes, or mere fans of a sport, I tend to look at games and allow them to conjure up a bit of excitement. That excitement then undoubtedly manifests itself in fantasy football, laps in the local pool, or better yet, joining sports team such as flag football. This enthusiasm that often leads fans to become more active seems harmless enough. However, there’s another side to the story. During my time in corporate life I’ve had the unfortunate experience of seeing friends and colleagues return to the...

It’s traveling season: Hotel vs. Air BnB We’re smack in the middle of summer, which means, its traveling season. Whether it be a family vacation, road trip, or romantic getaway, vacationers now have a fundamental choice as to where they lay their respective heads while on vacation. Thanks to the major ‘disrupters’ of the hotel market, Air BnB has provided a legitimate alternative to the classic hotel model. We now have the option to experience a new part of the world as a ‘commoner’ not a ‘visitor.’ Instead of the sterile hallways, lifeless decorations, and room service, people can choose living arrangements that have more of a ‘home / authentic’ touch. I’m a big fan of competition, and feel it typically breeds better outcomes / choices for consumers, and Air BnB certainly has done so. However, it has also caused heartache for some. In particular, hotel owners and those that live in buildings that allow Air BnB rentals. For example, a condo owner could pay a monthly mortgage of $1,000 ...

An Obamacare assistance group got $200,000 in federal funds — and used it to sign up just one person A group that is supposed to help Native Americans sign up for Affordable Care Act coverage in South Dakota received $200,000 in federal funds to support its efforts — and managed to sign up just one person in an Obamacare plan, the Trump administration said Wednesday. The group, the Great Plains Tribal Chairmen's Health Board, had better luck in North Dakota — where it assisted 67 people in shopping for and enrolling in an Obamacare plan that went into effect in 2017. But in that state, the board received another $154,000 in federal cash for its efforts. That works out to nearly $2,300 per enrollee in North Dakota. In both Dakotas, the group's work cost taxpayers $5,200 per enrollee, according to data from the federal Centers for Medicare and Medicaid Services. At the start of 2017 plan last fall, the tribal board — which has not responded to a request for comment from CNBC — ha...