premiums

In this episode of "The Insurance Hour," host Karl Susman delves into a variety of topics related to insurance, focusing primarily on educating Californians about navigating their insurance needs amidst changing weather patterns and rising costs due to inflation. The show covers the recent wildfires in Texas and their insurance implications, the importance of being properly insured, and tips for reducing insurance premiums. Karl also addresses listener questions, including whether retired people can purchase life insurance and the specifics of jewelry coverage on insurance policies. Moreover, the episode explores smart devices for home safety, deductible strategies for lowering insurance premiums, and the significance of understanding and utilizing insurance policies effectively.

Chapters:
Introduction to Insurance Hour - 00:00:00
Karl introduces the show, its mission, and ways to contact during the episode.
The New Normal in Weather and Its Insurance Implications - 00:02:00
Discussion on unusual weather patterns like the Texas wildfires and their insurance implications.
Listener Interactions: Immediate Insurance Assistance - 00:06:00
Karl explains how listeners can get immediate help with their insurance questions.
Understanding Insurance Premiums Amidst Inflation - 00:10:00
Analysis of how inflation affects insurance premiums across different states.
Reducing Your Insurance Premiums - 00:20:00
Karl shares tips and strategies for lowering property and auto insurance costs.
Q&A: Life Insurance for Retirees - 00:30:00
Karl addresses a listener's question about life insurance options for retired individuals.
Smart Home Devices for Insurance Discounts - 00:40:00
Discussion on how smart devices can help in reducing home insurance premiums.
The Importance of Choosing the Right Deductibles - 00:45:00
How higher deductibles can lead to lower premiums and fewer minor claims.
Q&A: Jewelry Coverage on Insurance Policies - 00:50:00
Exploring the specifics of how jewelry is covered under various insurance policies.
Closing Remarks and How to Navigate the Insurance Market - 00:55:00
Karl wraps up the episode with final thoughts and encourages listeners to be proactive in understanding and managing their insurance policies.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated across several key radio stations throughout California.

Listeners can now tune in to Insurance Hour on:
-- KMET 1490 AM & 98.1 FM
-- KALZ 1400 AM
-- KZSB 1290 AM
-- KFIV 1360 AM
-- KSTE 650 AM
-- KTIE 590 AM

In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

This episode of "Insurance Hour" delves into the nuances of home insurance in California, highlighting the introduction of Assembly Bill No. 3067. This proposed legislation mandates additional questions for insurance applications, specifically concerning the existence and storage of firearms in homes. The show discusses the implications for insurance premiums, the potential for increased scrutiny on gun ownership, and the broader legislative intent behind collecting such data. It emphasizes the importance of honesty in insurance applications and speculates on how insurers might use this information. The segment aims to inform Californians about upcoming changes in insurance policy requirements and encourages engagement with legislative developments.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated across several key radio stations throughout California.

Listeners can now tune in to Insurance Hour on:
-- KMET 1490 AM & 98.1 FM
-- KALZ 1400 AM
-- KZSB 1290 AM
-- KFIV 1360 AM
-- KSTE 650 AM
-- KTIE 590 AM

In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

This episode of "Insurance Hour" explores the concept of social inflation and its impact on insurance claims and premiums. It explains how cultural shifts in attitudes towards insurance claims contribute to higher payouts and, consequently, higher premiums. The episode suggests a societal need to reconsider our approach to insurance, emphasizing insurance as protection for significant losses rather than a refund mechanism. This change in perspective is proposed as a solution to mitigate the effects of social inflation.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated across several key radio stations throughout California.

Listeners can now tune in to Insurance Hour on:
-- KMET 1490 AM & 98.1 FM
-- KALZ 1400 AM
-- KZSB 1290 AM
-- KFIV 1360 AM
-- KSTE 650 AM
-- KTIE 590 AM

In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

Last broadcast, Terry Sacka, AAMS spoke with Pastor Stan of the Prophecy with Stan podcast about an ongoing topic of the continuous decline of the dollar and whether silver, gold, rhodium or palladium are smart assets to invest in now. 

In today's broadcast, Terry Sacka, AAMS walks us through the unlikely survival of Medicaid and how the interest on debt (both) are going to cost us upwards of $1.6 trillion per year.

I saw a wave, a dark wave, come over our nation. And it's not just the election, of course, but this program is going to be all in the name RIGGED because when I, and we formed RIGGED, it was because of the financial system, but RIGGED is now becoming common in America. And it's all RIGGED [against you].

SUBSCRIBE & FOLLOW:
RIGGED [against you] on YouTube
RIGGED [against you] on Rumble
RIGGED [against you] on Apple Podcasts
RIGGED [against you] on Spotify

ABOUT THE HOST:
Terry Sacka, AAMS is a Wealth Strategist, Financial Analyst and Founder of Cornerstone Asset Metals, Wealth Transfer News Television, and the RIGGED podcast. He formerly was a financial advisor for A.G. Edwards and a strategist in commodity options and futures. Using his global travel and U.S. Army military experience, Terry has accumulated a unique perspective of the real global economic framework.

RIGGED [against you] is a wealth and finance podcast designed to help you achieve your financial goals through advanced savings and investment techniques.

This episode of "Insurance Hour" hosted by Karl Susman on February 16, 2024, dives deep into the nuances of insurance, focusing on social inflation, classic car insurance, pet insurance, and advice for tech startups and mechanics regarding insurance needs. Karl explains social inflation as the rising costs of insurance claims driven by societal attitudes towards litigation and responsibility, not natural disasters or accidents. The show features engaging discussions with callers seeking advice on topics like Errors & Omissions insurance for startups, the benefits of long-term customer loyalty to insurance companies, specifics of garage insurance for mechanics, and the considerations for classic car insurance. Additionally, Karl touches on the emotional and financial aspects of pet insurance for older dogs.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated across several key radio stations throughout California.

Listeners can now tune in to Insurance Hour on:
-- KMET 1490 AM & 98.1 FM
-- KALZ 1400 AM
-- KZSB 1290 AM
-- KFIV 1360 AM
-- KSTE 650 AM
-- KTIE 590 AM

In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

Christian Chronicle contributor Cheryl Mann Bacon talks more about her recent report on how the cost of insurance is threatening the very existence of some congregations. Ethel Sherrill, a longtime member of the landmark historic Silver Point West End Church of Christ in Silver Point, Tennessee, shares an oral history with The Christian Chronicle’s Ted Parks. Christy Award-winning author Sara Watterson (Edmond Church of Christ, Edmond, Oklahoma) talks about writing Christian and clean fiction for young readers. 

SEGMENT ONE: Congregations are struggling to keep or pay for their insurance (Cheryl Mann Bacon)

Cheryl Mann Bacon’s Christian Chronicle coverage of insurance companies dropping congregations or more than tripling their annual premiums in some states

Cheryl Mann Bacon’s Christian Chronicle column on advice she collected for congregations from insurance industry experts

SEGMENT TWO: An oral history of a landmark congregation in the Church of Christ tradition (Ted Parks with Ethel Sherrill) 

Ted Parks’s Christian Chronicle story on the reunion of the Silver Point West End Church of Christ

Erik Tryggestad’s Christian Chronicle interview with Evelyn Buck, the keeper of the important and rich history of the Silver Point Christian Institute and Silver Point West End Church of Christ

SEGMENT THREE: Award-winning Christian fiction author talks about how to write a great book for teens and young adults (Sara Watterson) 

Link to Sara Watterson’s author page

Link to Sara Watterson’s Christy Award-winning Christian young adult fiction book This Dreamer

Link to Sara’s book recommendations and reviews website for Christian and clean teen and young adult fiction, including fantasy, romance, and science fiction 

View the full archive of stories at christianchronicle.org

Donate to The Christian Chronicle at christianchronicle.org/donate

Send comments, ideas, and questions to podcast@christianchronicle.org

TAGS

Insurance, premiums, natural disasters, acts of God, church buildings, church finance, church administration, church budget, climate change, California, Florida, Louisiana, Oklahoma, Texas, Cheryl Mann Bacon, Black history, Black History Month, G.P. Bowser, Silver Point Christian Institute, Silver Point West End Church of Christ, Civil Rights Movement, segregation, integration, Silver Point, Tennessee, Ethel Sherrill, Ted Parks, Christian fiction, Christian fantasy, Christian romance

This mini-episode Insurance Hour podcast delves into the notable uptick in auto insurance premiums, pinpointing reasons behind these surges like rising repair costs and increased claims. It explores regulatory challenges, particularly in California, where existing laws limit insurers' ability to price products based on comprehensive risk assessments. This situation leads to broader premium hikes affecting all drivers. The episode advocates for legislative changes to allow more nuanced risk-based pricing, potentially benefiting consumers with lower risks.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated across several key radio stations throughout California.

Listeners can now tune in to Insurance Hour on:
-- KMET 1490 AM & 98.1 FM
-- KALZ 1400 AM
-- KZSB 1290 AM
-- KFIV 1360 AM
-- KSTE 650 AM
-- KTIE 590 AM

In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

The show discusses auto and home insurance issues in California, focusing on rising premiums and coverage challenges. Karl Susman explains factors causing rate increases, including more expensive repairs, labor shortages, and catastrophic wildfire losses. He outlines proposed state regulations to improve competition and availability. 

Key points include:

- Auto repair costs are rising due to sophisticated technology like sensors and cameras in bumpers. 

- Labor shortages also drive up garage bills. Insurers pay higher costs.  

- Insurers struggle to predict losses amid worsening wildfires. 

- Catastrophic claims strain profits. 

- Many insurers restrict new policies, forcing people to limited plans.  

- Proposed regulations would require insurers to offer policies in high-risk areas, allowing risk-based pricing. 

- More competition could lower rates.  

-Consumers must inform insurers of changes like teen drivers or home rentals that affect risk. Failure to disclose changes can jeopardize coverage. 

-Transparency with insurers is critical. 

Overall, California faces availability and affordability issues but proposed reforms could improve competition and stabilize the property insurance market.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated across several key radio stations throughout California.

Listeners can now tune in to Insurance Hour on:
-- KMET 1490 AM & 98.1 FM
-- KALZ 1400 AM
-- KZSB 1290 AM
-- KFIV 1360 AM
-- KSTE 650 AM
-- KTIE 590 AM

In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

It’s one of the scariest times of the year. . . . it’s open enrollment time for health insurance. Every year, we’re all overwhelmed by the options and terminology of our policies, but this year Molly and Matt have full hearts and can’t lose. This year, they are determined to understand their coverage options and whether they should choose a high-deductible plan or one with a high premium. But first, they’re going to figure out what those terms mean in this episode. With the help of KFF Health News’ Julie Rovner, learn about the difference between an FSA and an HSA and what your plan is legally required to cover. 

Sources Cited: 

• Johns Hopkins Bloomberg School of Public Health - Primary Care Visits Available to Most Uninsured But at a High Price
• Forbes - How Much Does Health Insurance Cost In 2023?
• US Department of Healtth and Human Services - About the Affordable Care Act 

See omnystudio.com/listener for privacy information.

In this episode, our hosts (Dr. Jen the vet and Dr. Jason Chatfield) sit down with an experienced pet owner and reporter to talk about the world of pet insurance. With so many options on the market, it can be overwhelming for pet owners to navigate the various plans and providers, and to decide whether or not insurance is right for their furry friend.

Emily Brill of The Canine Review breaks down the different types of coverage available, from accident-only to comprehensive plans, and explain the pros and cons of each. We also discuss important factors to consider when choosing a provider, such as customer service, policy limitations, and pre-existing condition exclusions.

Listeners will learn about the benefits of pet insurance, including financial security and peace of mind, as well as some of the potential pitfalls to watch out for. Our guest shares her own experiences with pet insurance and offers valuable tips for making the most of your policy.

Whether you're a seasoned pet owner or considering bringing a new furry family member into your home, this episode is a must-listen for anyone interested in learning more about pet insurance.

This episode is certified to provide 1 hr of PACCC CEU’s!  The unique code will be delivered during the episode, so listen up! Don’t know what PACCC is? And why would they be involved in CEU’s?  Pet lovers can get more information at www.paccert.org

Check out The Canine Review: https://thecaninereview.com

Show our sponsors some love:
FullBucket Veterinary Strength Supplements - the leader in digestive health for horses, dogs, and cats!

SUBSCRIBE to our show on Youtube or on our website: https://chatfieldshow.com
Follow us on instagram @ChatfieldShow

Share this episode with a friend who needs to hear it...or might be interested in the topic...or just to make their day brighter! :)

The cost of just about everything is going up, so it's important to find those extra dollars and cents where you can. Jess Irvine is here to tell you how a few little adjustments to your insurance could give you a much needed boost to your budget.

CREDITS

Host: Rachel Corbett
Contributor: Finance journalist and author of 'Money with Jess', Jess Irvine. Check her out on Instagram @moneywithjess or head to her website https://www.jessicairvine.com.au/.
Managing Producer: Elle Beattie
Lead Producer: Edwina Stott
Producer and Editor: Amy Kimball

This episode of Small Change does not constitute financial advice or take into account individual circumstances. Always seek your own independent financial advice. 

Nova Entertainment acknowledges the traditional custodians of the land on which we produced this podcast, the Gadigal People of the Eora Nation. We pay our respect to Elders past and present. 

See omnystudio.com/listener for privacy information.

When you separate from military or federal employee service without a retirement or a family member leaves a current job, you lose your healthcare associated that employment. 

For active duty military and reservists covered under Tricare if you separate without a retirement you qualify for the Continued Health Care Benefit Program (CHCBP). The deductibles and cost shares are relatively low, but premium for individual coverage about $6,000 a year. For a family it’s a little over $16,000 a year. https://www.humanamilitary.com/beneficiary/benefit-guidance/special-programs/chcbp/

If you are a separating federal civilian employee, you can qualify for Temporary Continuation Coverage (TCC) which is a continuation of your existing FEHB policy. But you must pay the full premium for the plan you select, both your and the government's shares of the premium. So you can expect TCC to be about 4x as expensive . https://www.opm.gov/healthcare-insurance/healthcare/temporary-continuation-of-coverage/#url=separate 

COBRA coverage is available for regular civilian employees of companies with 20 or more employees. COBRA is a federal law that gives you the right to keep their employer’s group health plan after a job loss. You will have to pay the full health insurance premium, including the employer portion. Check with HR for details.
F
or all three of the current employer continuation plans temporary the service member or employee can get 18 months of coverage, eligible family members 36 months.

There are other options on the Health Care Exchange at https://www.healthcare.gov/  You'll see plans, costs, and possible premium tax credits that can greatly reduce your overall costs,  Click the search box at the top of the website and enter Preview Plans. You’ll need to enter some basic info like your state and anticipated income for the year you want coverage for details. Your costs will depend on your income relative to the federal poverty level. If you qualify for the premium tax credit subsidies. You can have this credit applied to reduce your monthly healthcare.gov insurance premiums. Or you can wait to you file your tax return at the end of the year and apply it to the federal income tax you owe for the year. 

If your income is below 138% of the federal poverty level, you may be eligible for Medicaid and /or Children’s Health Insurance Program (CHIP).  But these are state based, whichcan be challenging if don’t know where you will be settling. If you qualify for Medicaid, but choose to buy health insurance on the exchange anyway, you are NOT eligible for for a premium tax credit.

For 2022,  if you earn more than 400% of the poverty level the premium tax credit begins to phase out. In 2023 it will revert to being a cliff. One dollar past 400% and you get no subsidy.

You  need to enroll in a particular Silver plan or better to receive the premium tax credit. Your costs  are based on your expected household income for the year you want coverage.  If your income doesn't match your estimate for the year it will be reconciled when you file your federal income taxes. For your household size count yourself, your spouse if you're married, plus everyone you'll claim as a tax dependent, including those who don’t need coverage.

You can also shop around with different health insurance companies or brokers. If you will earn too much for an exchange premium credit, you may find a cheaper alternative directly from an insurance company.

Clément Chenost, the Co-Founder and CEO of Moringa Partnership/ Fund, joins us to discuss the role of de-commoditizing value chains, vertical integration, and consumer behaviour in regeneration. We also discussed consumer demand and commoditisation that leads to premiums of sometimes over 100% and drives the regenerative transition.
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Join our Gumroad community, discover the tiers and benefits on www.gumroad.com/investinginregenag. 

Other ways to support our work:

- Share the podcast 

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- Or buy us a coffee… or a meal!
www.Ko-fi.com/regenerativeagriculture. 

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What has Moringa Partnership learned after investing over 80 million in the last eight years into vertically integrated agroforestry companies in Latin America and Sub Saharan Africa? What has changed in the last 10 years in the investor and the consumer markets? What’s the key to getting significant premiums?

More about this episode on https://investinginregenerativeagriculture.com/clement-chenost.

Find our video course here:
https://investinginregenerativeagriculture.com/course/

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For feedback, ideas, suggestions please contact us through Twitter @KoenvanSeijen, or get in touch through the website www.investinginregenerativeagriculture.com. 

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The above references an opinion and is for information and educational purposes only. It is not intended to be investment advice. Seek a duly licensed professional for investment advice.

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Mo looks at the things you should consider during the open enrollment period for your employer sponsored health plan.  Should you keep it as it is or is it better to take a look at changes in your life and in the plan?  He looks at the options of high deductible versus higher premiums, HSAs, and dental and vision.

CloudVestors

See omnystudio.com/listener for privacy information.

Arrange a one-on-one call with John Sbrocco and Crystal Hoarau. Learn the Virtue Health Consortium process, and start prospecting with NO IMQs and NO CLAIMS DATA >> CLICK HERE TO CHOOSE DATE / TIME

Have your prospects and clients asked you about Health Savings Accounts yet? If not, they will, soon. 

When implemented successfully, HSA can:

✔️ lower health insurance premiums

✔️ get triple tax savings 

✔️ be health insurance carrier-neutral

✔️ have savings for the future

Seems like a dream deal... but like many dreams, it can turn into a nightmare!

Luckily, we're here to help you gain some experienced perspective so you can ask better questions from your clients and prospects. 

Join John Sbrocco and Craig Lack for tonight's episode on the Heads Up Adviser Show "HSA: Stepping Stone or Stumbling Block." 

𝐇𝐞𝐫𝐞'𝐬 𝐰𝐡𝐚𝐭 𝐰𝐞'𝐥𝐥 𝐜𝐨𝐯𝐞𝐫: 

-HSA: who is it good for? It depends?

-Keys to know what’s coming after you say yes…renewal increases don’t stop

-What noise to expect from your employees