Podcasts about insurability

Andrew joined QBE as Group Chief Executive Officer in September 2021. With a strong focus on bringing the enterprise together, Andrew has driven performance consistency and progress towards QBE's vision to become the most consistent and innovative risk partner. He was previously the CEO, and before that the Finance Director, of Beazley Group, a specialist international insurer based in the United Kingdom. Prior to this, he held various senior finance roles in ING, NatWest and Lloyds Bank. Andrew's career in insurance and banking spans more than 30 years and he has extensive experience across international markets. Highlights from the Show Sustainable Profitable Growth Andrew emphasizes the importance of sustainable growth in the insurance industry, highlighting the need for a balanced approach to risk and pricing models. He discusses the pitfalls of rapid growth without considering long-term consequences, stressing that growth should be managed sensibly. Innovation and Client Focus The conversation touches on the necessity for the insurance industry to listen to clients and innovate based on their needs. Andrew mentions QBE's commitment to integrating innovation within the company, ensuring that all teams are aligned with customer needs. Mitigation Strategies Andrew discusses the need for the insurance industry to adapt to new normals, particularly in the context of natural disasters【4:2†source】. He advocates for building back better after catastrophic events, rather than simply restoring properties to their previous state. Market Viability and Affordability The episode explores the challenges of maintaining market viability amidst rising costs and the need for affordable insurance. Andrew reflects on the balance between providing coverage and ensuring that it remains accessible to clients. Diversification and Growth Opportunities Andrew discusses the importance of diversification in insurance offerings, particularly in niche markets. He highlights QBE's strategy of exploring smaller, specialized markets that can contribute to overall growth. Overall Takeaways Balance is Key: Sustainable growth in insurance requires a careful balance of risk management and innovation. Client-Centric Approach: Listening to clients and adapting to their needs is crucial for long-term success in the insurance industry. Proactive Mitigation: The industry must focus on proactive strategies to mitigate risks associated with natural disasters and changing environments. Affordability Matters: Ensuring that insurance remains affordable is essential for maintaining market viability. Embrace Diversification: Exploring niche markets and diversifying offerings can lead to meaningful growth opportunities. This episode is brought to you by The Future of Insurance thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

#ThisMorning on #BRN | #Retirement | #1987 | Streamlining the Employee Benefits Enrollment and Evidence of Insurability Process - Part II | Michael Volpe, SS&C Technologies | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday

#ThisMorning on #BRN | #Retirement | #1987 | Streamlining the Employee Benefits Enrollment and Evidence of Insurability Process | Michael Volpe, SS&C Technologies | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday

Host Lynda A. Bennett, chair of the Insurance Recovery Practice at Lowenstein Sandler, introduces the100th episode of Don't Take No For An Answer. Since its launch, the podcast has interviewed guests from all corners of the insurance ecosystem to offer market insights, different perspectives, and practical tips to understand how insurance works and how to maximize recovery when claims are presented. Lynda describes the feedback from listeners, including clients, competitors, and adversaries across the country; she also lists the topics that sparked special interest, such as D&O risks, how to implement better risk management hygiene, and the intersection of insurance and bankruptcy.  In case you missed any, just click on the links below to listen again! Finding the Right Fit: The Duty to Defend vs. the Duty to Reimburse (Part II) Insurance Needs in the Biden Administration Protecting Against Environmental Risks Reps & Warranties Insurance: Sealing The Deal The ABCs of D&O Insurance The Brave New Frontier of Securing D&O Insurance for SPACs and deSPACs The Intersection of Insurance and Bankruptcy – Part 1 The Intersection of Insurance and Bankruptcy – Part 2 Wait, that's covered? Insurability of Fines and Penalties Flowing From a Cybersecurity Breach Wearing Multiple Hats: Making Sure You Are Covered in All Capacities Speakers: Lynda A. Bennett, Partner and Chair, Insurance Recovery

In this BONUS episode of 'My Friend, My Soulmate, My Podcast,' Vicki Gunvalson hosts Brian Steiner from LifeHappens.org to discuss the importance of life insurance and insurability. They explore various types of policies, the benefits of early action, and personal stories that highlight the real-life impact of having adequate coverage. Vicki shares her own experiences, including a recent medical scare that temporarily made her uninsurable, and emphasizes proactive life insurance planning. They also discuss the value of life insurance for different life situations, such as college planning and securing financial stability for families. Brian provides professional insights on the educational mission of LifeHappens.org and their scholarship program aimed at assisting students who have lost a parent. Together, they underline the critical need for proper life insurance and financial planning. Head over to https://www.cotoinsurance.com/ to get started in the right direction!  This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or the Hurrdat Media YouTube channel! Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more from Peter Warren's interviews with Roger Barker, Director of Policy and Corporate Governance of the UK Institute of Directors; Lorenzo Callerio, Senior Director of Alvarez and Marsal; and Lord Francis Maude, former Minister of State for Trade and Investment. This podcast is for informational purposes only and is not intended to replace professional legal, financial or insurance advice. We are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. The content and views expressed are those of the host and guests.

TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us On today's episode, Darren and Christina chat about the ways in which you can be insurable, especially for those who think it may be out of the question due to several reasons including pre-existing conditions. They also chat about the importance of working with life insurance experts as well as some of Darren's personal client stories. Tune in now! Show notes: 00:00 - Introduction 2:15 - Are you eligible for life insurance? 3:45 - Does family history play a significant role in determining eligibility? 8:35 - Breaking down your rating 18:55 - The importance of working with life insurance experts 23:50 - Examples of the process to getting approved 34:30 - Darren's personal client stories 37:20 - What happens if you can't get approved? FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound JOIN OUR FACEBOOK COMMUNITY: https://www.facebook.com/groups/controlandcompound

Send Us A Message! Let us know what you think.THIS WEEK IN REVIEW TOPICS:Topic #1: NZ Herald 30th of April -Reserve Bank wants banks to keep a closer eye on the insurability of properties it lends againstTopic #2: Interest.co.nz 29th of April -ANZ report says Auckland housing market has remained soft despite the recent surge in net migrationTopic #3: 1News 30th of April- Interest rate cuts might have to wait until 2025 — economistTopic #4: Stuff 1st of May -The regions where property prices are still risingTopic #5: The Mortgage Mag 1st of May- RBNZ could impose DTIs on mortgage lending from July Join OUR NEW EVENT: https://www.propertyapprentice.co.nz/auckland-events/Book a Meeting with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/Support the Show.*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Dive into the future of aviation with John Brogan, President and CEO of USAIG, on our latest podcast episode. Brogan shares his expert insights on the evolving landscape of aviation insurance, tackling challenges from social inflation to the insurability of cutting-edge technologies like eVTOLs and UAVs. Discover how the industry is navigating these turbulent skies and what the future holds for aviation enthusiasts and professionals alike. Tune in now!

Podcast Show Notes: Windermere Ask a Coach Podcast Speaker: Maggie Cooper, CEO of Moreland Insurance Introduction: Maggie Cooper is the CEO of Moreland Insurance, a company with an affiliation with Windermere Real Estate. She has over 20 years of experience in the insurance industry and graduated from the University of Washington. Maggie lives in Issaquah, Washington with her husband and three kids. Outline: - Windermere's affiliation with Moreland Insurance - Windermere invested in insurance as a resource for realtors and brokerages - Moreland has doubled in size over the last 3 years - Acts as the insurance back office for Windermere real estate offices - Insurance products offered by Moreland - Personal insurance (home, auto, umbrella, etc.) - Business insurance for real estate brokerages (E&O, liability, property, etc.) - Employee benefits and life insurance - Benefits for real estate agents - Insurability checklist to ensure homes are insurable - Early quoting to avoid issues with affordable premiums - Identifying potential problems like lack of flood insurance - Current hard insurance market - Factors like catastrophes, reinsurance costs, and regulatory environments - Impacting home affordability and deal closings - Strategies like raising deductibles, claims coaching - Benefits for Windermere owners - E&O, cyber, crime insurance customized for Windermere - Moreland as a dedicated insurance team for Windermere - Reviewing coverage annually - Ensuring proper insurance to value amid inflation - Accounting for life changes that impact premiums - The importance of umbrella policies - Extra liability protection over home, auto, rentals - Protecting against lawsuits, accidents, etc. Contact Moreland Insurance at www.morelandagency.com or 206-594-1126 for more information. --- Support this podcast: https://podcasters.spotify.com/pod/show/askacoach/support

An influential and predictive set of events are currently playing out in Florida around climate, real estate, and insurance, which the rest of the nation would be well-served in keeping within their sights. As the third largest and notoriously weather-beaten state, Florida has added 3.1 million new residents within the last decade—an amount greater than the entire population of Arkansas. This population boom in conjunction with more frequent, climate-fueled disasters, is placing an unprecedented and potentially unsustainable strain on the Florida insurance market. Within the last few years at least 15 commercial insurance providers have either pulled out of the state or closed, after experiencing historic underwriting losses amid various natural and legal circumstances. A lack of private insurance options has driven home and auto premiums two to three times higher than the national average in parts of the state, while significantly diminishing the quality of coverage. While the governor and state legislators are taking steps to repair private insurer's ability to remain solvent by providing a subsidy to purchase reinsurance or attempting to clamp down on consumer litigation, a larger aspect of the equation seems to remain ignored. The state has become adept at recovering after a storm, but many experts argue there is still much to be desired in Florida's climate adaptation and resilience efforts. This could potentially lead to an “insurance bubble,” as more human and physical capital flocks to its threatened shores. In this episode, Ten Across founder Duke Reiter and disaster law professor Latisha Nixon-Jones assess the way forward for Florida regulators and homeowners as the conditions for an insurable market are appearing to deteriorate.

NCSAM Week 3- Cyber Insurability and Risk Management

A recent NBAA News Hour webinar answered some common questions regarding insurability of business aircraft held under an LLC. In fact, there were so many questions that they couldn't all be addressed during that webinar, so we've brought back three of the presenters to answer them. The post Podcast: Answering More Aircraft LLC Insurability Questions appeared first on NBAA - National Business Aviation Association.

If you feel stressed and unsure about your money situation, even though you're trying to save and invest, know that you're not the only one. Lots of people face money problems, even when they're trying their best. They save money, but sometimes unexpected costs or bad investment choices make it hard to build a stable financial future. It's time to escape this pattern and make a solid plan to secure your future.Join us on Average Joe Finances as our guest Bruce Weinstein reveals the truth and shares valuable insights on how to develop a proactive financial plan for a secure future.In this episode:Learn to appreciate the importance of a robust financial plan for your future.Comprehend the significant role of life insurance in long-term financial protection.Uncover the added benefits of kickstarting your financial planning at a young stage in life.Break free from apathy and self-focused behaviors that obstruct proactive fiscal choices.And so much more!Key Moments:00:00:56 - Bruce's Background in Financial Planning00:05:03 - Insurance Needs at Different Stages of Life00:07:31 - Insurability and Health00:09:54 - Life Insurance and Age00:12:15 - The Importance of Financial Planning00:13:17 - Planning for Retirement00:14:27 - Longevity and Health00:15:43 - Being a Plan Man00:20:19 - Apathy and Selfishness00:24:19 - The Importance of Life Insurance00:25:59 - Understanding Term Insurance00:27:15 - Life Insurance for Older Individuals00:28:23 - The Importance of Financial Planning00:30:21 - Being Proactive and Seeking Advice00:36:27 - Relief from Financial Burden00:37:18 - Emotional Investing00:39:07 - The Importance of a Financial Advisor00:42:05 - Knowing When to Exit Investments00:43:51 - Diversification in Real Estate and Stocks00:49:06 - Starting Your Financial JourneyFind Bruce Weistein on:Websites:www.weinsteinwealth.comwww.asktheplanman.comwww.planman.tvFacebook: https://www.facebook.com/bruce.m.weinsteinLinkedIn: https://www.linkedin.com/in/brucemweinstein/ Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Join us in episode 9 of the Discovery Series: Unplugged podcast as we sit down with advisor Mike Viera, an "OG" of the Discovery Series. In this episode, Mike takes us on a captivating journey of how his background in hospitality has shaped his path as an insurance advisor. Get ready for a wild ride as he shares incredible stories from his past experiences in the hotel industry and reveals how those experiences contributed to his success in the insurance world.  Watch the Discovery Series with Desjardins episode "Flip My Life' and earn CE credits here: https://bit.ly/3UsDxMY

Following the spate of extreme, damaging and costly weather events in the North Island this year we shouldn't let a big disaster go to waste, Tower Insurance CEO Blair Turnbull argues.Speaking in the latest episode of the Of Interest podcast, Turnbull says the realisation from frequent and extreme weather such as the Auckland anniversary floods and Cyclone Gabrielle is that we are seeing climate change, and we need to understand it better and adapt."We're starting to rethink how to respond to some of these flood events. One thing's very clear, Mother Nature always wins. So we can't just sit there and try and pipe away this excess water, we have to think differently," Turnbull says.Auckland Council's Making Space for Water programme to help manage floods is "quite innovative," he adds.Turnbull says the spate of extreme weather events is changing the way reinsurers, who provide insurance for insurers, look at New Zealand, which will lead to further price rises."This has been a bit of a surprise to some of them [reinsurers]," Turnbull says.Parametric insurance and risk based pricing are two ways Tower's responding to potentially higher reinsurance costs.Parametric insurance is a type of insurance contract that insures a policyholder against the occurrence of a specific event by paying a set amount based on the magnitude of the event, as opposed to the magnitude of the losses in a traditional indemnity policy.Turnbull says a parametric insurance pilot in Fiji has gone well, with Tower set to also start offering it in Samoa and Tonga and likely NZ to."We do think it [parametric insurance] has application for here in New Zealand in areas that could have higher propensity for flooding and cyclones and where traditional comprehensive insurance may become too expensive for some households and communities. We would like to explore the option for offering parametric cover," says Turnbull."We're talking to a couple of iwi groups, which is quite exciting and they're giving us feedback."Tower's risk-based pricing, linked to the risks of individual homes, already includes earthquakes and floods, and is being extended to cover coastal inundation and slips. Turnbull says risk-based insurance for drivers, using telematics, could also follow.Meanwhile, Turnbull suggests NZ is moving closer to having areas regarded as uninsurable by private sector insurers after the recent run of extreme weather events."I think we are [closer than a year ago] ... I think it's really important that as a country, as insurers, as communities, that we do acknowledge them [the weather events], [and] don't let that big disaster go to waste. It's time to adapt and get out of the way of where there are flood prone areas," Turnbull says.In the podcast he talks about other issues, including Tower's recent interim financial results, how the insurer has responded to high inflation, the future for insurance, and the response to Cyclone Gabrielle and North Island flooding.You can find all episodes of the Of Interest podcast here.

Hey y'all! Thanks for tuning in. In today's episode, I'm going to go over something I am asked about frequently: insurability. We are going to put on our underwriting and actuarial hats and walk through the perspective of the insurance company.    Have a topic you want me to discuss? Feel free to send any questions or comments to hannah@themoneymultiplier.com.    To view a recorded version of our presentation on the Infinite Banking Concept, please visit: https://themoneymultiplier.com/presentation   For other resources: https://linktr.ee/themoneymultiplier    Hannah: https://www.instagram.com/hannah_kesler   Do your dollars make cents? 

What climate books do you want for Christmas?  Listen in to find out where to start on picking out those stocking fillers. In this special episode, Jo reunites with William McDonnell to discuss their top picks of climate books across all genres, from climate science to politics and economics, covering fiction and non-fiction. Although its light-hearted, there's a deadly serious point: given the urgency of the climate crisis, we need to educate ourselves on the nature of the problem and the solutions at hand. Books offer a wonderful opportunity to learn much more about the challenges we face to build up a holistic view of risks that we value so much at GARP. With so many excellent books out there, we hope this episode offers a guide, whether it's for expanding your own library of climate-related books or simply finding the perfect gift. And remember – as they say about dogs – a book is for life, not just for Christmas. If you enjoyed this episode and would like to give us feedback, please let us know at climateriskpodcast@garp.com. Books mentioned in today's discussion (in broad categories) Understanding the problem Six Degrees: Our Future on A Hotter Planet – Mark Lynas The Uninhabitable Earth: A Story of the Future – David Wallace-Wells The Burning Question: We Can't Burn Half the World's Oil, Coal and Gas. So How Do We Quit? – Mike Berners-Lees and Duncan Clark There Is No Planet B: A Handbook for the Make or Break Years – Mike Berners-Lees The Human Planet: How We Created the Anthropocene – Simon L. Lewis and Mark Maslin Climate Chaos: Lessons on Survival from Our Ancestors – Brian M. Fagan and Nadia Durrani Sapiens: A Brief History of Humankind – Yuval Noah Harari The Great Leveller: Violence and the History of Inequality from the Stone Age to the Twenty-First Century – Walter Scheidel How did we get here? Losing Earth: The Decade We Could Have Stopped Climate Change – Nathaniel Rich Storms of My Grandchildren: The Truth About the Coming Climate Catastrophe and Our Last Chance to Save Humanity – James Hanson Merchants of Doubt: How a Handful of Scientists Obscured the Truth on Issues from Tobacco Smoke to Global Warming – Erik M. Conway and Naomi Oreskes The New Climate War: The fight to take back our planet – Michael E. Mann Climate economics Doughnut Economics: Seven Ways to Think Like a 21st Century Economist – Kate Raworth Prosperity Without Growth: Economics for a Finite Planet – Tim Jackson Net Zero: How We Stop Causing Climate Change – Dieter Helm Measuring What Counts: The Global Movement for Well-Being – Joseph Stiglitz Risk psychology Don't Even Think About It: Why Our Brains Are Wired To Ignore Climate Change – George Marshall Thinking, Fast and Slow – Daniel Kahneman Climate and nature fiction Oryx and Crake – Margaret Atwood The Ministry for the Future – Kim Stanley Robinson Green Earth – Kim Stanley Robinson The Overstory – Richard Powers Communicating climate change Saving Us: A Climate Scientist's Case for Hope and Healing in a Divided World – Katherine Hayhoe The Water Will Come: Rising Seas, Sinking Cities, and the Remaking of the Civilized World – Jeff Goodell Hot Mess: What on earth can we do about climate change? – Matt Winning Climate solutions How to Avoid a Climate Disaster: The Solutions We Have and the Breakthroughs We Need – Bill Gates Drawdown: The Most Comprehensive Plan Ever Proposed to Reverse Global Warming – Paul Hawken Investing in the Era of Climate Change – Bruce Usher Making Climate Policy Work – David Victor and Danny Cullenward Under a White Sky: The Nature of the Future – Elizabeth Kolbert The Planet Remade: How Geoengineering Could Change the World – Oliver Morton Social challenges of climate change This Changes Everything: Capitalism vs. the Climate – Naomi Klein On Fire: The Burning Case for a Green New Deal – Naomi Klein Climate Justice: Hope, Resilience, and the Fight for a Sustainable Future – Mary Robinson Bonus: Invisible Women: Exposing Data Bias in a World Designed for Men – Caroline Criado Perez Environment and biodiversity Wilding: The return of nature to a British farm – Isabella Tree The Sixth Extinction: An Unnatural History – Elizabeth Kolbert Regenesis: Feeding the World without Devouring the Planet – George Monbiot Green and Prosperous Land: A Blueprint for Rescuing the British Countryside – Dieter Helm Looking forwards The Future We Choose: Surviving the Climate Crisis – Christiana Figueres and Tom Rivett-Carnac The Climate Book – Greta Thunberg Uplifting reads Humankind: A Human History – Rutger Bregman Humans: A Brief History of How We F***** It All Up – Tom Phillips  Speaker's Bio(s) William McDonnell, COO, Integrity Council for the Voluntary Carbon Market William is COO for the ICVCM, the new global governance body to set and enforce threshold quality standards for the voluntary carbon market. Prior to that he had a 25-year career in financial services. Most recently he was Group Chief Risk Officer and member of the Group Executive Committee for RSA Insurance Group plc for 7 years, responsible for Risk, Assurance and Compliance groupwide. Prior to RSA he held roles at HSBC Investment Bank, Aviva, the UK Financial Services Authority and Deloitte. William is a leading voice on climate risk in the financial sector, having served as a member of the ClimateWise Council and of the UK's Climate Financial Risk Forum, and as chair of the Emerging Risks Initiative of leading global insurers, publishing a major climate study ‘The Heat is on – Insurability and Resilience in a Changing Climate'. 

Hear from William McDonnell, COO of the Integrity Council for the Voluntary Carbon Market, as we discuss the role of carbon credits in the transition to net-zero, and what changes are needed to ensure that the voluntary market can function correctly. Sign up for GARP's 2022 Climate Risk Symposium here! Part I: Nov 22, 1:00 - 2:30 pm GMT Part II: Dec 1, 1:00 - 2:30 pm GMT As firms' climate ambitions steadily rise, many are looking towards carbon credits to help ease themselves into the transition to net-zero. According to the Ecosystem Marketplace, the global voluntary carbon market (VCM) has quadrupled in value since 2020. However, not all carbon credits are created equal, and this is causing significant harm to the VCM's integrity. Because the quality assurance of carbon credits relies on a patchwork of standards set by independent organizations, many are of poor quality and can even be net-carbon positive. This immaturity in the market has even allowed for such irrational practices as deliberately cutting down forests, only to sell their regrowth as offsets. In this episode of the GARP Climate Risk Podcast, we'll examine the voluntary carbon markets, exploring: The key differences between the mandatory and voluntary carbon markets; The challenge of scaling up the voluntary market whilst ensuring credit quality; and How the newly formed Integrity Council for the Voluntary Carbon Market plans to address it. Links from today's discussion: Integrity Council for the Voluntary Carbon Market (ICVCM) homepage GARP's first Climate Risk webcast, featuring William – The Heat is On: A CRO's Perspective on Climate Change CRO Forum's Emerging Risk Initiative 2022 update Voluntary Carbon Market Integrity Initiative (VCMI) homepage Science Based Targets initiative (SBTi) homepage Speaker's Bio(s) William McDonnell, COO, Integrity Council for the Voluntary Carbon Market William is COO for the ICVCM, the new global governance body to set and enforce threshold quality standards for the voluntary carbon market. Prior to that he had a 25-year career in financial services. Most recently he was Group Chief Risk Officer and member of the Group Executive Committee for RSA Insurance Group plc for 7 years, responsible for Risk, Assurance and Compliance groupwide. Prior to RSA he held roles at HSBC Investment Bank, Aviva, the UK Financial Services Authority and Deloitte. William is a leading voice on climate risk in the financial sector, having served as a member of the ClimateWise Council and of the UK's Climate Financial Risk Forum, and as chair of the Emerging Risks Initiative of leading global insurers, publishing a major climate study ‘The Heat is on – Insurability and Resilience in a Changing Climate'. 

In this special Halloween Banking With Life Q&A, James answers questions about insurability/ratings, paying rent with policy loans, direct versus non-direct recognition policies, and addresses some criticism with a recurring guest. As always, we hope you enjoy and Happy Halloween!

Sudhama Gopalan is founder and CEO of AveriSana Inc., an insurtech startup that uses data science and machine learning to make customer acquisition in life and health insurance more cost-efficient and productive.   Matching customers to products used to be about understanding intent and then looking at insurability (health and medical records) later on in the sales funnel. Technology now enables insurers to aligning intent with insurability simultaneously in order to reduce the total cost of acquiring a customer and a higher match and customer experience.  The team started by modeling outcomes however using more data were able to define proxies for individuals' health risk. Averisana is thus able to better match customers to insurance products across the marketing, sales, and underwriting process, both digital and traditional. This also enables agents to quantify their leads pipeline up-front and accurately. Follow the Insurtech Leadership Podcast airing weekly hosted by Joshua R. Hollander. We give you up-close access and personal insights from the leaders of the fastest-growing #insurtechs and most innovative #insurance carriers and brokers.

Lexman interviews Silvio Micali, a professor of mathematics at the University of California, Berkeley. They discuss the lighterman paradox and how it applies to real life.

You already know that disability insurance is something you need to have as a medical professional. But as your income increases over time, you may wonder which option is the best for you. To help you cut through the clutter, Billy takes a closer look at the top insurance plans for physicians in the market. This week, he explains one of the most popular ones: Guardian. Listen now to discover the pros and cons of the most popular insurance plan for physicians across the country. Plus, find out which coverage plan option is the best for you. Show Highlights Include Two ways to increase your coverage with Guardian (0:37) A tricky clause that could get your Benefit Purchase Option Rider canceled (and how to keep it) (2:36) The three exceptions to your Benefit Purchase Option Rider that allow you to upgrade your insurance coverage early (3:22) 2 reasons to choose the Future Insurability Option ( even though it's more expensive) (4:54) How the Future Insurability Option saves you loads of money if you‘re planning on moving to another state (7:06) To ask questions on insurance coverage or to get a quote, please don't hesitate to call us anytime at 704-270-2376, and I'd be glad to discuss your specific situation with you.

As a physician, long-term disability insurance is a must. And as your salary increases, you'll need to increase your coverage as well to match your income.   But navigating insurance policies can be a nightmare. With so many different options, it takes forever to cut through the clutter and pick the best fit for you.  To help you decide, Billy explores the best policies on the market. Tune in as we take a closer look at the coverage increase rider that comes with the MassMutual specialty disability policy. Show Highlights Include The #1 reason you must consider getting a private policy for your coverage early in your career(0:52) Two ways MassMutuals allow you to increase your coverage (and how to choose the best fit for you) (1:33) The two exceptions to your Benefit Increase Rider that allow you to upgrade your insurance coverage early (4:36) The "gotcha" clause that can cancel your Benefit Increase Rider (and what you need to do to keep it) (5:04) Why paying extra for the  Future Insurability Option is better for high earners (6:02) How to pick a policy if you're planning to move to another state (7:53) To ask questions on insurance coverage or to get a quote, please don't hesitate to call us anytime at 704-270-2376, and I'd be glad to discuss your specific situation with you.

There's something dystopian about this next Australian town. Imagine the year is 2050 and the house you've spent your life buying back off the bank is completely uninsured against the dark, muddy floodwaters rising slowly up your living room wall, swallowing your couch and TV and book and family photos. But this isn't 2050, it's right now and while thankfully disaster is not yet at the door in the Strathbogie Shire of Victoria, which is home to Violet town, Euroa and Nagambie... it is in the most uninsurable electorate in Australia and a sign of what you could be in for next as climate change worsens.

Since Russia launched a full-scale military invasion of Ukraine on February 24, questions have resurfaced about the likelihood of a global cyber war. While experts say there isn't … Read More » The post EP. 33: War in Ukraine Renews Questions Around Likelihood, Insurability of Cyber War appeared first on Insurance Journal TV.

Since Russia launched a full-scale military invasion of Ukraine on February 24, questions have resurfaced about the likelihood of a global cyber war. While experts say there isn't … Read More » The post EP. 33: War in Ukraine Renews Questions Around Likelihood, Insurability of Cyber War appeared first on Insurance Journal TV.

Despite the great strides companies have made to mitigate the risks associated with security breaches, including putting insurance in place to cover those risks, cyber criminals have remained two steps ahead, finding new and innovative ways to override state-of-the-art security and cause destruction. In today's episode, Lynda, joined by Mary J. Hildebrand CIPP/US/E, Founder and Chair of Lowenstein's Privacy & Cybersecurity practice, and David Anderson CIPP/US, Partner, US Head of Cyber at McGill and Partners, discuss what regulators are doing to incentivize companies to avoid security breaches and promptly report breach events, the current state of play regarding what fines and penalties are being imposed on companies, and the forecast of whether insurers will continue to provide coverage for those fines and penalties with a growing risk profile. Speakers: Lynda A. Bennett, Partner and Chair, Insurance Recovery Mary J. Hildebrand CIPP/US/E, Partner and Chair, Privacy & Cybersecurity David Anderson CIPP/US, Partner, US Head of Cyber at McGill and Partners

Happy New Year from The Banking With Life Podcast! In this special New Year's Eve podcast James and Jake discuss 7702, insurability, and even the Wisdom of Solomon. As always, we hope you enjoy and thank you for listening!━━━Become a client!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-banker Buy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-live/ (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking...➫ https://bankingwithlife.com/getting-s...━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit... The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery. It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ https://www.bankingwithlife.com/exclu...━━━Learn more about James Neathery here: ➫ https://bankingwithlife.com━━━Listen on your iPhone through iTunes: ➫ https://itunes.apple.com/us/podcast/b...Listen on your Android through Stitcher: ➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ https://soundcloud.com/banking-with-l...━━━Follow us on Facebook: ➳ https://www.facebook.com/jamescneathery/━━━Disclaimer: All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

There are so many different options when it comes to choosing your insurance plan. From future insurability potential to benefits that will increase as your earning does, choosing between the wide array of plans can become overwhelming quickly.  When looking toward your future, it can be even more difficult to decide whether you should bet on your future earning capabilities, or go with a plan that increases as your income does.  In this episode, I'll walk you through the benefits and pitfalls or the future insurability and benefit-increase options to prepare you for choosing an insurance plan that will truly work in your favor as you move forward in your career.  Show Highlights Include  The future insurability option writer that can get you up to $20,000 a month of coverage (1:30)  The massive downside of exponentially increasing your coverage as your income increases (2:45)  How to increase your insurability without paying an ongoing fee (3:35)  The financial formula you and your broker should use to determine your increase eligibility on your insurance (4:00)  The big stipulation that will automatically remove your benefit-increase writer from your mass mutual policy (4:25)  Why the future insurability option can massively cap your insurance coverage (even if you don't want to) (7:15) To ask questions on insurance coverage or to get a quote, please don't hesitate to call us anytime at 704-270-2376, and I'd be glad to discuss your specific situation with you.

Your disability insurance policy may include a Future Insurability Option. With an FIO, you can increase your coverage without an updated medical review. This allows you to increase coverage throughout your career. But what if you don't take this option, or you let it lapse? When you find yourself in need of more insurance, it can be costly — or outright denied. Don't leave your future disability insurance up to chance. Listen now to discover how to keep your future insurance options flexible. Why getting an inexpensive FIO early in your career can save you thousands of dollars (1:00) How to get the most from your FIO before you reach your insurance company's age limit (1:50) Why getting an early medical screening may limit your Future Insurability Options (and what to do when that happens) (2:33) Red flags that an insurance provider might not honor your original FIO (4:09) Why getting an FIO is most important when you're on a tight budget (5:55) To ask questions on insurance coverage or to get a quote, please don't hesitate to call us anytime at 704-270-2376, and I'd be glad to discuss your specific situation with you.

The risk profile of manufacturers plays a critical role in how insurance companies and regulatory agencies perceive them, including their cybersecurity standard operating procedures, their ability to prevent injuries, and their consistency to hit their KPIs. All of these factors may have significant growth implications for manufacturers. In today's episode, we have our guest Michael Schlagenhaufer, who discusses how insurance companies evaluate manufacturers' risk profiles. He also shares his insights into how your risk profiles can impact your bottom line because of increased premiums, denied claims, or inability to be insured. Finally, he discusses several issues related to manufacturers' risk profile and their insurability, such as cybersecurity issues, equipment breakdown, and shop floor injuries.For more information on growth strategies for SMBs using ERP and digital transformation, visit our community at wbs.rocks or elevatiq.com. To ensure that you never miss an episode of the WBS podcast, subscribe on your favorite podcasting platform.

A legislator in WA is having trouble passing a law to keep insurance companies from using your credit score out of the insurance-buying process. http://www.lehtoslaw.com

You realize that it is essential to purchase disability insurance coverage as soon as possible, even before you've finished your training. But what happens when your income starts to increase, and the policy you have would no longer cover your expenses in the event that you couldn't work.  In today's episode, Billy discusses the best way to make sure your policy will grow along with your career, how to maintain the proper coverage definitions, and how to increase your benefits, even if your health has declined. Highlights from this episode include: Why the government hates disability income insurance benefits (1:52) This helps you maintain your original discounts, no matter what changes in your life (4:07) How to get increased disability coverage guaranteed, even if your health gets worse (4:36) How to protect your financial well-being when the insurance company won't let your purchase this coverage (6:16) To ask questions on insurance coverage or to get a quote, please don't hesitate to call us anytime at 704-270-2376, and I'd be glad to discuss your specific situation with you.

In this episode, The D.I. Guys talk about the importance of Future Insurability.

In this episode, The D.I. Guys talk about the importance of Future Insurability.

Financially Speaking with Kathy Cook Noble Radio Show Time to talk about "pot", aka cannabis aka marijuana and how it affects your life insurance applications. A great deal of publicity, debate and no shortage of controversy followed the introduction of legalized cannabis in October 2018. Kathy’s Book: All Ladies Should Use the F-Word: A Guide to Loving Your Finances Purchase on Amazon.com   Amazon.co.uk    Amazon.ca       ~ More About Financially Speaking ~ Everywhere you go, everywhere you turn, everyone you talk to, money appears. Either in conversation, in thoughts, in dreams, in stress, in arguments and in planning. Money is the one commodity that everyone can universally agree that they all need. Most people navigate through their lives not really understanding how money works or how to keep more of it. Kathy Cook Noble is a believer in people’s abilities to understand, control and plan for their futures with money. She believes that once people understand the importance of why they need to control their own finances, they will live a free and happy life. She is a Financial Advisor, teacher, bookkeeper, business expert, seeker of knowledge, community volunteer and believer in people. Kathy has spent her entire life studying and working in business to help people expand their lives, save money, make money and avoid financial ruin. She personally understands what it means to see value and have faith in yourself so that you are more confident in financial decisions. Overcoming painful obstacles and realizations about money has helped Kathy become obsessed with helping people, especially women, understand their financial situations and help them plan for their future selves. http://kathycooknoble.gpwealth.ca/ http://www.kathycook.ca/  kathy@bookkeepplus.ca To get more of Financially Speaking with Kathy Cook Noble, be sure to visit the archives page for replays of all her shows here: https://www.inspiredchoicesnetwork.com/podcast/financially-speaking-kathy-cook-noble/  

On this episode of the Insurance Innovators Unscripted Podcast, I speak with Jack Kudale, Chief Executive Officer, Cowbell Cyber, a cyber technology company closing the cyber insurability gap for small and medium sized businesses. On this episode, we discuss: Closing the cyber insurability gap 360 Data approach to cyber monitoring Continuous risk assessment in cyberRead More

Decision Vision Episode 30: Should I Implement a Sustainability Program in My Business? An Interview with Troy von Otnott, Massive Technologies How do I start a corporate sustainability program at my company? What do the insurance markets reveal about the necessity of a sustainability program for my business? The answers to these questions and […] The post Decision Vision Episode 30: Should I Implement a Sustainability Program in My Business? An Interview with Troy von Otnott, Massive Technologies appeared first on Business RadioX ®.

Brief Review of recent Interview Episodes (40, 41, & 43) Discussion of $TSLAQ-sourced short idea list (for >$1/month Patrons) Verbal discussion of the standardization of the ".D" cashtag nomenclature for unlikely-to-go-bankrupt short ideas Talk about FSD and Insurability of Teslas with so-called Full Self-Driving Turnover in the NHTSA New Video (multiple angles) of a Tesla parallel parking attempt becoming legitimately scary to consider (https://twitter.com/KawasakiKR11/status/1161456566412939264?s=20) Tinfoil portions of the episode inspired by 8/13/2019 NYT article regarding an 8/16/2018 visit to 9 East 71st St in Manhattan, NYC

Brad Toerien, FMI, CEO Talks to Tony Van Niekerk, Editor of COVER Magazine about Future Insurability. Follow Us on: Facebook - https://www.facebook.com/COVERPublications/ Twitter - https://twitter.com/coverchat?lang=en Website - https://www.cover.co.za/ Youtube - https://www.youtube.com/channel/UC9OKIgLKoyXpMYtNYzkgnKg

In this episode, special guest David Burtzlaff joins us to talk loss history and insurability. We also discuss fireplaces and how to ensure they will keep you warm and cozy all winter long and as always, cover listener and client questions.

Many people seem to be confused as to the difference between an appraisal and an inspection. So today, I will be going over what you need to know about these two processes. First, we always recommend you have an inspection performed any time you buy a home. This makes sure the property is safe and in working condition. Insurability, though, is one thing people sometimes forget about the inspection process. So talk to your insurance company and make sure the home is insurable. Inspections are optional, but we always recommend them. Appraisals, on the other hand, are a requirement whenever you are doing a financed purchase. An appraiser is selected through a randomized process by the bank to ensure impartiality. “Inspections are optional, but we always recommend them.” The appraiser will come in and place a value on the home. They want to make sure the home is sufficient in value to act as collateral for the bank and also that the home is safe, sound, and secure for an owner-occupied loan. Inspections are more thorough and time-consuming than an appraisal. Once an appraiser has finished looking at your home, they may make a few requests. These requests must be satisfied in order for the loan to go through. However, these requests are rare. Your agent can help you negotiate them if this situation arises. When an inspection is over, on the other hand, the results are just suggestions. Nothing the inspector recommends is a requirement. A buyer may ask for a credit, ask the seller to have items fixed, or simply accept the property as-is. If you have any other questions or would like more information, feel free to give me a call or send me an email. I look forward to hearing from you soon.

http://www.einstein.yu.edu - Harry Ostrer, M.D., discusses how genetic sequencing is changing the course of treatment for common diseases such as cancer, Alzheimer’s disease and heart disease by identifying individuals at higher risk. It can also play a role in personalizing treatment: sequencing the genome of a cancer, for example, can yield information that leads to personalized, targeted therapy. He addresses concerns that genetic information can affect employability or insurability and reviews existing safeguards. Dr. Ostrer is a professor of pathology and of genetics at Albert Einstein College of Medicine and director of genetic and genomic testing in clinical pathology at Montefiore Medical Center.