Podcasts about premiums

Join us as we explore the surprising similarities between life insurance premiums and mortgage payments, emphasizing how both offer long-term stability and equity growth. We're looking at the advantages of whole life insurance as a financial tool, from tax-free growth to death benefits, while comparing it to real estate investments and the peace of mind that comes with a fixed, guaranteed cost structure. Audio Production by Podsworth Media - https://podsworth.com 

Todays's topics include a detailed look at Rick Rubin, Slayer's enigmatic longtime producer, executive producer, label boss, and benefactor. Stay tuned, and you'll learn more about how the band made Reign in Blood... what fans think about it... what Jeff said about the, ahem, German content in "Angel of Death"... an update on what happened to the long-lost album cover artwork... and more.The old version of the Reign In Blood chapter is the most popular episode after the Jeff Hanneman tributes. Now that chapter is bigger and better. And badder. And deffer. This week, you hear the additions to the chapter in the new version of the unofficial, exhaustively researched band biography "SLAYER 66 2/3: A METAL BAND BIOGRAPHY" (REBORN & RE-REMASTERED 4TH EDITION).Click below to listen to Talkin' Slayer, Episode 15, the pre-update rundown of Reign in Blood:SPOTIFYAPPLEThe new 4th edition of the book is available in four formats. For a limited time, they're at a discount. OUR PRICES ARE CRIMINALLY INSANE!! Your options are...1) The Uncut Standard Version: Paperback, 6x9”, 639 pages, includes a full index, annotated endnote citations, and a works cited / bibliography section. 2) The Oversize Version: This monster paperback is 8.5x11”, 580 pages, with larger type. The format has size limits, so it omits the standalone works cited section and a few of the less awesome photos. It still includes the full annotated endnote citations and 50 b&w photos. The full real content is there. 3) The ebook has no index, but it's cheap, and it features two additional appendices, with mostly color photos.4) The paperback 6x9” Long Story Short… and Cheaper Version runs 400 pages. It features full research citations, and most b&w photos, but no appendices, index or standalone works cited section. it's the story of Slayer, and nothing but. This Short & Cheap version cuts a lot of important historical context and commentary. And it concentrates on the Slayer story as it unfolds. It's missing a ton of good stuff. But, hey, it's your money and time. Do what you will. We get it.If you want to buy an autographed copy directly, reach out: slayerbook@gmail.com .Free listeners miss every other episode. Patreon supporters get an episode every week, plus more bonus Slaytanic content. Packages start at less than $1 an episode. Premiums include stickers, a shout-out on the show, and a free version of the audbiobook when it's finished. Learn more at Patreon.com/SlayerBook .If you want to drop some ducats in the virtual tip jar... or you'd rather make a one-time payment for a VIP all-access pass, you can do it at ko-fi.com/slayerbook .Skrelnick.

Premiums are rising. Insurers are leaving markets. But people keep building in risk-prone areas, and the climate disasters just keep coming. Can insurance markets adapt? In this episode, Shayle talks to Dr. Judd Boomhower, an assistant professor of economics at the University of California-San Diego and a faculty research fellow at the National Bureau of Economic Research. He studies how insurance markets are reacting to climate change. Shayle and Judd cover topics like: Why insurers are limiting coverage in California, Florida, and other high-risk markets How disaster insurance, unlike auto or health insurance, faces a flood of claims all at the same time How catastrophe models (or “cat models” for short) work and why AI and other improvements struggle the solve the fundamental problem: a lack of historical data needed to predict future events The challenges of private “black-box” catastrophe models that can't be reviewed by third parties Reinsurance markets and why they're not attracting more capital to shore up insurers The pros and cons of parametric insurance, an emerging category of insurance products Undercapitalized “fly-by-night” insurers that risk insolvency and failing to pay out claim Recommended resources NBER: How Are Insurance Markets Adapting to Climate Change? Risk Classification and Pricing in the Market for Homeowners Insurance Brookings: “How is climate change impacting home insurance markets?” Credits: Hosted by Shayle Kann. Produced and edited by Daniel Woldorff. Original music and engineering by Sean Marquand. Stephen Lacey is executive editor. Catalyst is brought to you by Anza, a platform enabling solar and storage developers and buyers to save time, reduce risk, & increase profits in their equipment selection process. Anza gives clients access to pricing, technical, and risk data and tools that they've never had access to before. Learn more at go.anzarenewables.com/latitude. Catalyst is brought to you by EnergyHub. EnergyHub helps utilities build next-generation virtual power plants that unlock reliable flexibility at every level of the grid. See how EnergyHub helps unlock the power of flexibility at scale, and deliver more value through cross-DER dispatch with their leading Edge DERMS platform, by visiting energyhub.com.

Sharon Cornelissen, Director of Housing, Consumer Federation of America, joins Megan Lynch as national home insurance rates are rising. Illinois has jumped particularly high.

New research from Finder has revealed some Brisbane households are being quoted nearly $15,000 a year for home and contents insurance. Areas like the Lockyer Valley, Townsville, and Bundaberg are also seeing huge increases on premiums with experts saying it’s a mix of increasing natural disasters and severe floods in recent years. Finder Insurance Expert Peta Taylor told Peter Fegan on 4BC Breakfast, "Unfortunately, the way that insurers are pricing these areas, they all have their own risk calculation and essentially, they'll factor in things like floods, fire, storm to figure out how prone these areas are." "They'll look at things like crime rates, labour costs, materials, all of that kind of stuff to figure out just how much the premium is that they're going to charge." "It is really, really tricky for everyday families when they get served a bill that is as huge as upwards of sometimes $10,000," Peta Taylor said.See omnystudio.com/listener for privacy information.

Increases in insurance premiums Hosted on Acast. See acast.com/privacy for more information.

Charlie Weston, Personal Finance Editor with the Independent, says there has been a huge fall in personal injury claims, with the value of payouts also down, that has yet to be passed to consumers.To catch the full conversation, press the play button on this page.

A marked drop in the number and value of personal injuries claims over the past five years should be reflected in lower insurance premiums. So said Minister for Enterprise Peter Burke after the latest report from the Injuries Resolution Board showed claims were 35 per cent lower than in 2020. We discuss this with Brian Hanley is CEO of the Alliance for Insurance Reform.

A marked drop in the number and value of personal injuries claims over the past five years should be reflected in lower insurance premiums. So said Minister for Enterprise Peter Burke after the latest report from the Injuries Resolution Board showed claims were 35 per cent lower than in 2020. We discuss this with Brian Hanley is CEO of the Alliance for Insurance Reform.

Pressure on the ANC's elite-enriching BEE policies ratcheted up to a new level this week. Apart from GNU negotiations over the delayed National Budget, attention was also focused on BEE after on the completion, 17 years later, of the Kusile power station at a final cost of R250bn. It had been signed off as an R80bn project, but was massively escalated by BEE requirements that opened the door to corruption and rent seeking. Among the beneficiaries was (publicly disclosed) billions received by the ANC's investment arm Chancellor House. IRR fellow Gabriel Crouse spoke to BizNews editor Alec Hogg.

In this episode, YS Chi speaks with Bill Madison, CEO of our insurance business at LexisNexis Risk Solutions to explore the dynamics within the insurance industry and why premiums keep rising across the board. To understand the challenges consumers and insurance carriers are facing today, Bill takes us back to 2020, right at the beginning of the pandemic. This episode is also available on YouTube at https://youtu.be/PGgi39UtbBE

It's the biggest trading week of the SuperCoach season and the experts are here to answer your questions. Al Paton is joined by Patch and Tim Michell to tackle the big issues heading into round 3. Which bubble boys are must-haves? What should we do with Will Day? Is it crazy to trade Max Gawn or Jason-Horne Francis? Why does Tim keep picking Jayden Short? Plus the latest injury news, fallen premo watch and a round of rookie roulette. Keep an eye on Al's socials (@al_superfooty on X) for a weekly post asking for questions! All the latest SuperCoach news and articles: linktr.ee/supercoachafl CHAPTERS:Breaking Even with Al Paton (00:00)HBF Injury Report (02:10)Fallen Premium watch (05:20)Rookie roulette (13:30)YOUR QUESTIONS! (15:40)DPP watch (30:50) Hosts:Al Paton: @al_superfooty /XPatch: @PatchToTheMax / XTim Michell: @tim_michell /X Produced by Haydn Kenny. Recorded on Wednesday March 26, 2025.See omnystudio.com/listener for privacy information.

Shannon Martin, insurance expert at Bankrate, joins Lisa Dent to discuss the continued increase of auto insurance premiums. While the premiums are still going up, Martin explains why the increases have leveled out.

The insurance marketplace Lloyd's of London reported profit before tax of £9.6 billion for last year, down £1.1 billion from 2023. Premiums are rising, as insurers watch how global uncertainty over trade, and other challenges like climate change, will affect their industry in the coming year. Lloyd's of London CEO John Neal spoke to hosts Stephen Carroll and Caroline Hepker on Bloomberg Daybreak Europe.See omnystudio.com/listener for privacy information.

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) ***** ¡Buenos días! ✊🏽 Homenaje a Paul Flores en Piura se vuelve mitin al grito de "Fuera Dina". Estado de emergencia se aplica... en Larcomar. Y la jueza suprema Elvia Barrios nos explica una propuesta para empezar a salir del hoyo. 🚨 Este viernes: Marcha contra la Delincuencia en las calles y en el poder. Justo el mismo día que el Congreso planea blindar al Ministroll. ADEMÁS: Congreso compra 13 millones de dólares en inmuebles para alojar a sus senadores. 📚 ¿Eres un escritor o escritora sin publicar? Aquí tienes una oportunidad. Conoce nuestras iniciativas culturales de la semana.a **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) **** ¡Buenos días! 🏡 Los secretos del iCloud de Dina: ¿por qué le hizo seguimiento a la compra de una casa de medio millón de dólares en Ohio, EE.UU.? ADEMÁS:¿Se viene audio del ministroll? MIENTRAS TANTO: 🏫 450 colegios sufren de extorsiones en pleno inicio del año escolar. Pero Dina y el Congreso nos quieren atarantar con "soluciones" que son humo. TAMBIÉN: Oh, sorpresa. Se vuelve a aplazar el nuevo aeropuerto. Y... 🤔 ¿Un trabajador puede pagar pato –con su remuneración u honorario– cuando su empleador es embargado por la Sunat? Responde Lourdes Calderón de Infotax. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) *** ¡Buenos días! 🛑 Hasta aquí nomás. Santiváñez debe irse. Más de 1800 peruanos víctimas de homicidio en su gestión. El último: Paul Flores, de Armonía 10. ADEMÁS: La hipocresía del pacto. MIENTRAS TANTO: 🤳 La historia de los selfies de Dina enviados a su "amor". TAMBIÉN: Se confirman las CUATRO operaciones estéticas de la presidenta. Y... 🎭 Sobre la ola intolerante y conservadora contra el arte –y en especial, contra el teatro– conversamos con Alberto ísola y Pepa Duarte. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) ******** ¡Buenos días! 🤐 Ni Dina Boluarte ni López Aliaga recibieron a la misión especial por la libertad de expresión. Y ellos son dos de las principales amenazas a la prensa. Carlos Jornet, de la SIP, nos lo cuenta. 🏫🤑La rectora de San Marcos quiere cobrar pensión a los estudiantes de colegios privados. ADEMÁS:🤕 ¿Qué pasó con Betssy Chávez y las acusaciones de tortura? Y...🪚 Hoy tenemos carpintería, muebles, talleres y otros emprendimientos con DESCUENTOS para encerroners. ******* ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

Six councils in south-west Queensland have banded together to protest an eye-watering increase in insurance premiums of up to 300 per cent.

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) **** Encontraron planos modificados en la construcción del techo del Real Plaza Trujillo, y rastreamos una víctima más del desastre. El Congreso blinda los crímenes del Estado con la ley anti ONG. Además: El misterio sobre el psicólogo que firmó la denuncia contra Gorriti. Un ex jefe de las FF.AA. y un exministro de Defensa bloquearon la entrega de información a La Encerrona sobre las matanzas durante las protestas contra Dina Boluarte. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) **** ¡Buenos días! 🐽💸🧣 La investigación por lavado de activos contra Rafael López Aliaga... ¡¡¡que lo vincula a la gestión de su enemiga Susana Villarán!!! MIENTRAS TANTO: 🧌 ESPECIAL MINISTROLL: Ahora tiene un juez supremo. Acusado de ayudar a un policía vinculado a Los Pulpos. Descaro con la prensa y al fiscalí. ADEMÁS: Barrios Altos sigue quemándose pero el jefe de los Bomberos se fue a Matute. Y... 🎂 Cumplimos cinco años y lo vamos a celebrar EN VIVO Y EN DIRECTO, con un evento presencial al que están invitados. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

The Prime Minister has agreed insurance companies are ripping us off and there are many Australians who would have experienced that firsthand.So, how will they respond as tens of thousands of claims are lodged after flooding in the wake of ex-Cyclone Alfred? Today, national consumer affairs reporter Michael Atkin on why premiums keep rising and what can be done to level the playing field.   Featured: Michael Atkin, ABC national consumer affairs reporter

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) ***** ¡Buenos días! 📉 Un informe oficial de la propia PNP desnuda el combo Congreso + Ministroll: el 2024 DESCENDIÓ la lucha contra el crimen en diversos indicadores. MIENTRAS TANTO: 🍊✏️ Los finalistas del 2021 hacen el ridículo: Keiko sigue llorando fraude y Castillo se declara en huelga de hambre. ADEMÁS: Bomberos a punto de tirar la toalla con Barrios Altos. Y... 👫 ¿Sabías que un matrimonio también tiene obligaciones tributarias? ¿Cómo funciona cada régimen ante la Sunat? ¿Qué debes hacer? Lo explica Lourdes Calderón de Infotax Perú. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) **** ¡Buenos días! 👊🏽👊🏽👊🏽 El gobierno denuncia a Gustavo Gorriti. Hildebrandt revela un audio sobre Dina. Y todo sobre lo mismo: la operación estética. ADEMÁS: El golpe duro y negro del Pacto. MIENTRAS TANTO: 🍊 Canal 7 se vuelve Canal K: acusado de ser jefe de los fujitrolls ahora es asesor de Ninoska Chandía. TAMBIÉN: La historia secreta del asesor del ministroll... ¡¡¡que fue vocero de Rodolfo Orellana!!! Y... 💪🏽 Conoce nuestras iniciativas solidarias: desde apoyar estudios académicos hasta colectas para un familiar en necesidad médica. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

Tropical Cyclone Alfred may have been downgraded, but homes across NSW and Queensland still remain at risk of major flooding. Now thoughts are turning to what the cost will be. Just how many people were insured against the destruction? And how many will be able to claim back money in what’s now being called an 'insurance catastrophe'? Today, business journalist Sumeyya Ilanbey, on what it will take for insurance premiums to come down, after steady rises over the last couple of years. Especially as global warming increases the frequency, and cost, of climate disasters.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

Tropical Cyclone Alfred may have been downgraded, but homes across NSW and Queensland still remain at risk of major flooding. Now thoughts are turning to what the cost will be. Just how many people were insured against the destruction? And how many will be able to claim back money in what’s now being called an 'insurance catastrophe'? Today, business journalist Sumeyya Ilanbey, on what it will take for insurance premiums to come down, after steady rises over the last couple of years. Especially as global warming increases the frequency, and cost, of climate disasters.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

¡El único noticiero que te manda un abrazo está de aniversario! Este mes cumplimos CINCO AÑOS y para celebrarlo estamos organizando un minifestival con el EQUIPO DE LA ENCERRONA e INVITADOS SORPRESA. Entrada general: S/ 100.00 ¡50% de DESCUENTO para Premiums y Patreons! Para más información e inscripciones, ingresa aquí: Si eres patreon: https://www.patreon.com/posts/123811406 Si eres premium de Canal Ya: https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/community?lb=UgkxTx-hPMFZqgD6q47CKlOHezCUc8I7Worw Si aún no eres suscriptor: https://docs.google.com/forms/d/e/1FAIpQLSfsqVF-RugljrIROxOpewGgUF-TZ8ncDcf8ft4LzS5WmrwWxg/viewform?usp=sharing (Puede pedir loguearse en Google) **** Hoy en #LaEncerrona: Son 4 los integrantes del cónclave que guarda los secretos de Dina Boluarte. Empezanto por el General del Aire personal de la presidenta. ¡El Congreso por fin restituye la detención preliminar! Tuvo que pasar casi 3 meses. Y ADEMÁS: Volvió Fujimori. O al menos su firma a la Constitución de 1993. Uno de los heridos más graves del Real Plaza está internado en un hospital de Trujillo... al que también se le cayó un pedazo del techo. **** ¿Te gustó este episodio? ¿Buscas las fuentes de los datos mencionados hoy? SUSCRÍBETE en http://patreon.com/ocram para acceder a nuestros GRUPOS EXCLUSIVOS de Telegram y WhatsApp. También puedes hacerte MIEMBRO de nuestro canal de YouTube aquí https://www.youtube.com/channel/UCP0AJJeNkFBYzegTTVbKhPg/join **** Únete a nuestro CANAL de WhatsApp aquí https://whatsapp.com/channel/0029VaAgBeN6RGJLubpqyw29 **** Para más información legal: http://laencerrona.pe

This episode has three chapters. Each one answers a key question, and, bottom line, it all adds up to action steps directly and indirectly for many, including plan sponsors probably, community leaders, and also hospital boards of directors. Here's the three chapters in sum. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Chapter 1: Are commercial insurance premiums rising faster than the inflation rate? And if so, is the employee portion of those premiums also rising, meaning a double whammy for employees' paychecks (ie, premium costs are getting bigger and bigger in an absolute sense, and also employees' relative share of those bigger costs is also bigger)? Spoiler alert: yes and yes. Chapter 2: What is the biggest reason for these premium increases? Like, if you look at the drivers of cost that underpin those rising premiums, what costs a lot that is making these premiums cost a lot? Spoiler alert: It's hospitals and the price increases at hospitals. And just in case anyone is wondering, this isn't, “Oh, chargemasters went up” or some kind of other tangential factor. We're talking about the revenue that hospitals are taking on services delivered has gone up and gone up way higher than the inflation rate. In fact, hospital costs have gone up over double the amount that premiums have gone up. Wait, what? That's a fact that Dr. Vivian Ho said today that threw my brain for a loop: Hospital costs have gone up over double the amount that premiums have gone up. Chapter 3: Is the reason that hospital prices have rocketed up as they have because the underlying costs these hospitals face are also going up way higher than the inflation rate? Like, for example, are nurses' salaries skyrocketing and doctors are getting paid a lot more than the inflation rate? Stuff like this. Too many eggs in the cafeteria. Way more charity care. Bottom line, is an increase in underlying costs the reason for rising hospital prices? Spoiler alert: no. No to all of the above. And I get into this deeply with Dr. Vivian Ho today. But before I do, I do just want to state with three underlines not all hospitals are the same. But yeah, you have many major consolidated hospitals crying about their, you know, “razor-thin margins” who are, it turns out, incentivizing their C-suites to do things that ultimately wind up raising prices. I saw a PowerPoint flying around—you may have seen it, too—that was apparently presented by a nonprofit hospital at JP Morgan, and it showed this nonprofit hospital with a 15.1% EBITDA (earnings before interest, taxes, depreciation, and amortization) in 2024. Not razor thin in my book. It's a, the boards of directors are structuring C-suite incentives in ways that ultimately will raise prices. If you want to dig in a little deeper on hospital boards and what they may be up to, listen to the show with Suhas Gondi, MD, MBA (EP404). Vivian Ho, PhD, my guest today, is a professor and faculty member at Rice University and Baylor College of Medicine. Her most major role these days is working on health policy at Baker Institute at Rice University. Her work there is at the national, state, and local levels conducting objective research that informs policymakers on how to improve healthcare. Today on the show, Professor Vivian Ho mentions research with Salpy Kanimian and Derek Jenkins, PhD. Alright, so just one quick sidebar before we get into the show. There is a lot going on with hospitals right now. So, before we kick in, let me just make one really important point. A hospital's contribution to medical research, like doing cancer clinical trials, is not the same as how a hospital serves or overcharges their community or makes decisions that increase or reduce their ability to improve the health and well-being of patients and members who wind up in or about the hospital. Huge, consolidated hospital networks can be doing great things that have great value and also, at the exact same time, kind of harmful things clinically and financially that negatively impact lots of Americans and doing all of that simultaneously. This is inarguable. Also mentioned in this episode are Rice University's Baker Institute for Public Policy; Baker Institute Center for Health Policy; Suhas Gondi, MD, MBA; Salpy Kanimian; Derek Jenkins, PhD; Byron Hugley; Michael Strain; Dave Chase; Zack Cooper, PhD; Houston Business Coalition on Health (HBCH); Marilyn Bartlett, CPA, CGMA, CMA, CFM; Cora Opsahl; Claire Brockbank; Shawn Gremminger; Autumn Yongchu; Erik Davis; Ge Bai, PhD, CPA; Community Health Choice; Mark Cuban; and Ferrin Williams, PharmD, MBA. For further reading, check out this LinkedIn post.   You can learn more at Rice University's Center for Health Policy (LinkedIn) and Department of Economics and by following Vivian on LinkedIn.   Vivian Ho, PhD, is the James A. Baker III Institute Chair in Health Economics, a professor in the Department of Economics at Rice University, a professor in the Department of Medicine at Baylor College of Medicine, and a nonresident senior scholar in the USC Schaeffer Center for Health Policy and Economics. Ho's research examines the effects of economic incentives and regulations on the quality and costs of health care. Her research is widely published in economics, medical, and health services research journals. Ho's research has been funded by the National Institutes of Health (NIH), the Agency for Healthcare Research and Quality, the American Cancer Society, and Arnold Ventures. Ho has served on the Board of Scientific Counselors for the National Center for Health Statistics, as well as on the NIH Health Services, Outcomes, and Delivery study section. She was elected as a member of the National Academy of Medicine in 2020. Ho is also a founding board member of the American Society for Health Economists and a member of the Community Advisory Board at Blue Cross Blue Shield of Texas. Ho received her AB in economics from Harvard University, a graduate diploma in economics from The Australian National University, and a PhD in economics from Stanford University.   05:12 Are insurance premiums going up? 05:59 What is the disparity between cost of insurance and wage increases? 06:21 LinkedIn post by Byron Hugley. 06:25 Article by Michael Strain. 06:46 How much have insurance premiums gone up for employers versus employees? 09:06 Chart showing the cost to insure populations of employees and families. 10:17 What is causing hospital prices and insurance premiums to go up so exponentially? 12:53 Article by (and tribute to) Uwe Reinhardt. 13:49 EP450 with Marilyn Bartlett, CPA, CGMA, CMA, CFM. 14:01 EP452 with Cora Opsahl. 14:03 EP453 with Claire Brockbank. 14:37 EP371 with Erik Davis and Autumn Yongchu. 15:28 Are razor-thin operating margins for hospitals causing these rising hospital prices? 16:56 Collaboration with Marilyn Bartlett and the NASHP Hospital Cost Tool. 19:47 What is the explanation that hospitals give for justifying these profits? 23:16 How do these hospital cost increases actually happen? 27:06 Study by Zack Cooper, PhD. 27:35 EP404 with Suhas Gondi, MD, MBA. 27:50 Who typically makes up a hospital board, and why do these motivations incentivize hospital price increases? 30:12 EP418 with Mark Cuban and Ferrin Williams, PharmD, MBA. 33:17 Why is it vital that change start at the board level?   You can learn more at Rice University's Center for Health Policy (LinkedIn) and Department of Economics and by following Vivian on LinkedIn.   Vivian Ho discusses #healthinsurance #premiums and #hospitalpricing on our #healthcarepodcast. #healthcare #podcast #changemanagement #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Chris Crawford (EP465), Al Lewis, Betsy Seals, Wendell Potter (Encore! EP384), Dr Scott Conard, Stacey Richter (INBW42), Chris Crawford (EP461), Dr Rushika Fernandopulle, Bill Sarraille, Stacey Richter (INBW41)  

Would you rather pay $145,000 or $245,000 in total premiums to have $1,300,000 in long term care benefits at age 85? When we pay our premiums over a shorter number of years, we almost always pay less than if we pay a smaller rate for the rest of our lives. It's important to understand the big picture of both physical and financial health when designing a plan. If I don't ask questions, I won't know if there is a way to pay $100,000 less for the same benefits. Estimate recurring LTC premiums Schedule 15 minutes to ask a question Learn how much income and assets your state Medicaid system lets you keep   Listen to more episodes Learn current and projected LTC costs of home care, assisted living and nursing homes where you live Schedule to design your plan

Why Are Insurance Premiums Increasing with Ryan Daubert - #230 If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/real-estate-reserve-podcast/id1507982777  

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“This is the first time we are discussing what I'd describe as a 'wicked problem'” says host Rohin Dharmakumar at the beginning of this episode.What's a “wicked problem”?It's not a bad thing, it's not an evil thing.A wicked problem is a social or cultural problem that's difficult or impossible to solve because of its complex and interconnected nature. They lack clarity in both their aims and solutions and are subject to real-world constraints which hinder risk-free attempts to find a solution.This definition comes from the space of systems thinking.And the “wicked problem” at center of today's discussion is India's air pollution. More specifically, North India's air pollution problem and as we zoom down further on it, Delhi's air pollution problem.India ranks second globally as the most polluted country.Our particulate pollution increased by 67.7% from 1998 to 2021.Because of the PM2.5 pollution particles, which are the smallest actually, which we track, an average Indian's life is cut short by 5.3 years.And if you live in the north of India, the reduction is close to 12 years.Now these aren't statistics that most of you people would not have heard about.Depending on where you are in India, you think it's either a problem that you have to live with or a problem someone else has to live with.In this episode of Two by Two, we want to really discuss how to think about this problem, how to solve this problem, how to even begin to define this problem.Joining hosts Rohin Dharmakumar and Praveen Gopal Krishnan for the discussion are guests Alok Mittal, co-founder of Indifi; Roshan Shankar, founder and CEO of Saroja Earth; and Mohit Beotra, co-founder of Air Pollution Action Group (A-PAG)Welcome to episode 27 of Two by Two.—Help us find great women guests for Two by Two by filling out this survey - https://theken.typeform.com/to/KH0EOLGo—What you just listened to is the first 30 minutes of an hour-and-a-half-long discussion. If you want to listen and get early access to the full episode, consider becoming a Premium subscriber to The Ken, which, in addition to Two by Two, will also give you access to our long-form stories, Premiums newsletters and visual stories. Or if you just want to listen to Two by Two for now, for iOS users, we have enabled Premium subscription on Apple Podcasts.You can sign up for The Two by Two newsletter here—it's free!This episode of Two by Two was produced by Hari Krishna. Rajiv CN, our resident sound engineer, mixed and mastered this episode.If you liked this episode of Two by Two, please share it with like-minded individuals who would be interested in listening to the episode. And if you have more thoughts on the discussion, we'd love to hear your arguments as well. You can write to us at twobytwo@the-ken.com

After rebuilding their Riverland caravan park in the wake of a devastating flood, Barbara and Geoff Calvert are facing a new challenge — surging insurance premiums. 

Both Zomato and Swiggy have been aggressively focusing on the 10-minute grocery delivery space for a while now. Quick commerce. But what sent both of them into a spiral was when Zepto, the joker in the quick commerce pack, started delivering snacks in 10-minutes through Zepto Cafe, a separate app. Suddenly, quick commerce wasn't enough. Quick food was up for play too.Swiggy launched Snacc soon after, and Blinkit followed suit with Bistro. Both were also separate apps.But this move to disrupt themselves to avoid getting disrupted has drawn a lot of flak from the restaurant partners listed on their platforms. Because a marketplace can only be neutral when it does not participate in it.And it is not like Zomato and Swiggy haven't tried a hand at this before. Both platforms previously ran their cloud kitchen verticals, Zomato Infrastructure Services and Swiggy Access, respectively, which they had to close down or sell.They then turned their attention to delivering food and building up efficiencies to deliver it faster. But when Zepto Cafe came in the picture in December with their pitch as a separate app, both Zomato and Swiggy jumped back and opened that chapter again. Only this time, they added that they would deliver it in 10 minutes and said they were not trying to build a private label to compete with the restaurants listed on their platforms. They made it clear both Bistro and SNACC are separate apps which don't use any of the data collected by Zomato and Swiggy to date.But what do the restaurants listed on the platform have to say about this?Hosts Rohin Dharmakumar and Praveen Gopal Krishnan got into what all of this means for restaurants in one of the most uninhibited, probing and also the longest episodes of Two by Two we've recorded to date.To capture the restaurateurs' perspective, we have three guests who have experience working with both of the companies.Joining the hosts for the discussion are Gaurav Saria, founder of Infinitea, India's first exclusive chain of tearooms and stores; Thomas Fenn, co-founder of Mahabelly and joint secretary at NRAI; and Ramchander Raman, former President of Cafe Coffee Day and co-founder and COO of Nucleus Kitchens.Welcome to episode 26 of Two by Two. Tune in to listen to an exciting discussion.–Additional reading:The Zomato-Swiggy cartel: Bistro and Snacc further threaten the restaurant businessZomato, Swiggy gave up on selling their own food. Then came along Zepto Cafe“There's an app for that”–Swiggy, Zepto, and Blinkit–What you just listened to is the first 30 minutes of a 2-hour-long conversation. If you want to listen and get early access to the full episode, consider becoming a Premium subscriber to The Ken, which, in addition to Two by Two, will also give you access to our long-form stories, Premiums newsletters and visual stories. Or if you just want to listen to Two by Two for now, for iOS users, we have enabled Premium subscription on Apple Podcasts.This episode of Two by Two was researched and produced by Hari Krishna. Rajiv CN, our resident sound engineer, mixed and mastered this episode.If you liked this episode of Two by Two, please share it with your friends and family who would be interested in listening to the episode. And if you have more thoughts on the discussion, we'd love to hear your arguments as well. You can write to us at twobytwo@the-ken.com

IRR Calls for Rethink on BEE Premiums Amid Budget Delays by Radio Islam

Around 66,000 Montanans rely on the federal marketplace to buy health insurance. Many get enhanced subsidies that Congress passed to help people afford premiums during the pandemic. They expire later this year. For some, premiums could be more than three times as expensive if the subsidies aren't renewed.

Robert and Da'Sha talk about her experience with Progressive Insurance after they claimed to have received an inaccurate report from LexisNexis. Calls to LexisNexis suggest they have the correct information on the driver report, so what went wrong and why are we paying higher auto insurance premiums? We need listener feedback because this can't be the first time Progressive or other auto insurers have screwed this up. Email your comments about the show to Robert@bmfce.com. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com.

  Medicare Supplement Plans offer many options to cover gaps in your client's coverage. Learn more about plans K, L, M, and N to help your client find the right one for them.   Read the text version    Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 Medicare Part A and Part B Premiums and Deductibles: https://ritterim.com/blog/2025-medicare-part-a-and-part-b-premiums-and-deductibles/ Events & Webinars with Ritter: https://ritterim.com/events/ Get a FREE Portfolio Review: https://ritterim.com/portfolio/ The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://lnk.to/ASGtedsims   References: “Compare Medigap Plan Benefits.” Medicare, Medicare, https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits. Accessed 29 Jan. 2025. Freed, Meredith, Nancy Ochieng, et al. “Key Facts about Medigap Enrollment and Premiums for Medicare Beneficiaries.” KFF, KFF, 18 Oct. 2024, https://www.kff.org/medicare/issue-brief/key-facts-about-medigap-enrollment-and-premiums-for-medicare-beneficiaries/. “Market Advisor.” CSG Actuarial, CSG Actuarial, https://csg-actuarial-wordpress.appspot.com/software/market-advisor/. Accessed 29 Jan. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Places like Iowa seemed safe from the high insurance premiums of the coasts, but extreme weather like the 2020 Derecho has made insurers raise premiums, restrict coverage or even leave the state.

TRAILERWelcome to episode 80 of the One for the Money podcast. I am always glad and grateful you have taken the time to listen. This episode is part 2 of a 2 part series on Medicare, which is the Federal health insurance program that helps pay for the health care costs of retirees. In episode 79, which was part 1 of this series, I shared what one needs to understand about Medicare and in this episode I'll share the most common Misunderstandings and Mistakes people make with Medicare.In the tips, tricks, and strategies portion I will share a tip regarding choosing between Medicare Advantage and Medicare Supplement Insurance.In this episode...Medicare Isn't Cheap [2:23]Late Medicare Enrollment [4:47]Skipping Part D [5:46]Enrollment isn't One-time [6:48]Ignoring Pre-existing Conditions [7:50]MAINIn Episode 79 of the One for the Money podcast, I shared how expensive healthcare can be in retirement, even with Medicare covering a lot of the expenses. According to a survey released by the investment company Fidelity in August of 2024, most individuals expect healthcare costs in retirement to be~ $75,000 per person or $150,000 per couple but the actual expenses are $165,000 per person or $330k per couple. That is more than double what people estimate they will have to shell out. Medicare will play a major role with regard to their health care in retirement. However, the Medicare system itself can be challenging to fully comprehend given the various coverage options, expenses, and deadlines involved.Due to these misunderstandings far too many American's make critical mistakes regarding their Medicare coverage. Here are five of the most common mistakesFirst, many Americans might assume (given that they've paid into the Medicare system through payroll taxes throughout their careers) that Medicare coverage is completely free. Whereas, in reality, several parts of Medicare (e.g., Part B medical coverage (doctor visits) Part C, and Part D (which provides prescription drug coverage) require you to pay premiums. Further, even if one understands that they will have to pay premiums, they might not be familiar with Income-Related Monthly Adjustment Amount (IRMAA) surcharges (aka IRMAA), which apply to retirees with higher incomes in retirement which can increase their costs further. And so the Mistake people make is thinking Medicare is inexpensive or free but Medicare does not cover 100% of your healthcare  costs. Medicare part A covers inpatient hospital care, skilled nursing facility stays, hospice care, and some home health care,Part A Deductible and Coinsurance Amounts for Calendar Years 2024 and 2025by Type of Cost Sharing20242025Inpatient hospital deductible$1,632$1,676Daily hospital coinsurance for 61st-90th day$408$419Daily hospital coinsurance for lifetime reserve days$816$838Skilled nursing facility daily coinsurance (days 21-100)$204.00$209.50Medicare Part B (Medical Insurance):.Part B is optional and available to anyone who qualifies for Part A. It requires a monthly premium, regardless of work history.Part B covers doctor visits, outpatient care, medical services like lab tests, and most preventive services.Premiums for part B in 2025 as low as 185/mo or as high as 628.90/month based on your income from the previous years. Those higher premiums are a result of the IRMAA charges I...

Rancho Mesa's Alyssa Burley sits down with Sam Clayton, Vice President of the Construction Group to discuss how group captives may be contractors' solutions to rising insurance premiums. Show Notes: ⁠⁠⁠⁠⁠⁠⁠Subscribe to Rancho Mesa's Newsletter⁠⁠⁠⁠⁠⁠Host: ⁠⁠⁠⁠⁠⁠Alyssa Burley⁠⁠⁠⁠⁠⁠Guest: ⁠⁠⁠⁠⁠⁠Sam Clayton⁠Editor: ⁠⁠Megan Lockhart⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Music: "Home" by JHS Pedals, “News Room News” by Spence© Copyright 2025. Rancho Mesa Insurance Services, Inc. All rights reserved.

Not all industries command the same Trust Premium. In this episode, I continue reading from The Trust Premium and explore why trust matters more in some industries than others. From painters to surgeons, financial advisors to insurance agents, I break down how factors like risk, complexity, and customer relationships shape the Trust Premium. Understanding these differences can help you position yourself where trust has the most value. Tune in to learn how industry context impacts trust-based pricing!

Imagine you're constructing the financial equivalent of a dream home—solid foundation, spacious rooms, and everything designed to suit your long-term vision. Whole life insurance is like that foundation, providing both stability and flexibility. But what if I told you there's a secret feature in this financial blueprint—a term rider—that can dramatically enhance your policy's efficiency? The problem is, not everyone understands how to use it effectively. By the end of this post, you'll see why whole life term riders matter and how they can supercharge your wealth-building strategy. https://www.youtube.com/live/mzSkpJKujK4 Welcome! We're Rachel Marshall and Bruce Wehner, hosts of The Money Advantage Podcast. Today, we're diving into term riders—a critical but often misunderstood component of whole life insurance policies. Term riders may not sound glamorous, but they're a game-changer in making whole life insurance more flexible, efficient, and tailored to your financial goals. In this blog, we'll walk you through what term riders are, how they work, and why choosing the right type can make all the difference in your infinite banking strategy. Let's get started. Whole Life Insurance: The Ultimate Financial ToolWhat Are Whole Life Term Riders and Why Do They Exist?Choosing the Right Whole Life Term RiderThe Long-Term Implications of Whole Life Term RidersSimplifying the ComplexityWhy Whole Life Term Riders MatterBook A Strategy Call Whole Life Insurance: The Ultimate Financial Tool Whole life insurance isn't just about a death benefit. It's a robust financial tool offering: Death benefit protection: Ensuring your loved ones are taken care of, providing peace of mind no matter what happens. Cash value growth: Building equity that grows over time and can be accessed during your lifetime for opportunities, emergencies, or strategic investments. Risk transfer: Shifting certain financial risks to the insurance company, offering stability and predictability in your financial plan. When structured correctly, whole life insurance becomes a cornerstone for infinite banking—a strategy to store, grow, and access capital on your terms. But what about whole life term riders? How do they fit into this picture? What Are Whole Life Term Riders and Why Do They Exist? A term rider is a temporary life insurance policy embedded within your whole life insurance contract. Its primary purpose? To increase the death benefit temporarily, allowing you to contribute more premium without violating Modified Endowment Contract (MEC) rules. Here's why this matters: Historical context: In the early 1980s, savvy individuals used whole life policies to stash large sums of money tax-free. Congress stepped in, introducing MEC guidelines to prevent abuse. MEC rules: These ensure a proper ratio between premiums paid and the death benefit, protecting the tax-advantaged status of the policy. The term rider's role: By boosting the death benefit, a term rider allows you to maximize cash value contributions while staying within MEC limits.  Think of it as an essential piece of the puzzle, enabling you to supercharge your policy's growth potential without breaking the rules. Choosing the Right Whole Life Term Rider There are two main types of whole life term riders: level term and blended term. Let's break them down. Level Term Riders Fixed cost: The premium remains constant for a set period (e.g., 10, 20, or 30 years), providing predictability in your financial plan. Predictability: Provides greater certainty, making it easier to plan your policy funding. Example: A 10-year level term rider locks in the cost for a decade, giving you time to build cash value while maintaining MEC compliance.  This predictability is invaluable for long-term planning and financial security. Blended Term Riders Variable cost: Premiums increase each year as you age. Flexibility: Can be reduced or replaced as your...

Dolton trustees learned Monday that village employees have been without life insurance since the summer, and they promised to restore coverage. The news caught trustees by surprise at their meeting while voting to renew health insurance coverage, whose the cost has increased. Life insurance for more than 100 employees ended last August because premiums hadn't been paid, trustees were told. A representative for the village's employee insurance consultant said messages about the termination of life insurance had been relayed to village administration, including Mayor Tiffany Henyard.

The engine room is where bulk Fantasy points are scored, but will we see more 110+ players in 2025? Roy, Calvin and Warnie discuss the midfielders and are joined by Rory Laird as he dished out inside information about the Crows ... one of the most intriguing clubs to watch this pre-season. Head to fantasy.afl.com.au to pick your AFL Fantasy Classic team and you can set up your AFL Fantasy Draft league today at fantasydraft.afl.com.au. Episode guide 1:00 - Who are the most popular midfielders? 3:40 - Bargain buy Clayton Oliver is Calvin's M4. 5:00 - Connor Rozee is the best of the under-priced premiums. 10:25 - Value selections such as Christian Petracca. 15:55 - Roy is keen on some Carlton players as mid-priced selections. 20:50 - Midfield cash cows are likely to make the most money. 24:40 - Rory Laird joins the boys for a chat about the Crows. 29:15 - Adelaide's midfield will have plenty running through it. 32:40 - What role will Jordan Dawson play? 34:30 - Are Sid Draper and Daniel Curtin locks? 37:40 - Fantasy Draft rankings and sleepers. 40:50 - Questions from social media - follow @AFLFantasy on X, @aflfantasy on Instagram and like the Official AFL Fantasy facebook page. 45:50 - Is it the mid-pricer year for midfielders? 51:00 - Can you pick Chad Warner expecting forward status? 53:20 - Could Josh Daicos be a Draft target - - - - Find more from Roy, Calvin and Warnie. Head to afl.com.au/fantasy for more content from The Traders. Like AFL Fantasy on Facebook. Follow @AFLFantasy on Instagram. Follow @AFLFantasy on X.See omnystudio.com/listener for privacy information.

This episode is presented by Create A Video – The State Employees Association of North Carolina is opposing an idea to charge higher health insurance premiums for higher-paid state employees. The Executive Director of the SEANC joins me to discuss. Subscribe to the podcast at: https://ThePetePod.com/ All the links to Pete's Prep are free: https://patreon.com/petekalinershow Media Bias Check: If you choose to subscribe, get 15% off here! Advertising and Booking inquiries: Pete@ThePeteKalinerShow.comGet exclusive content here!: https://thepetekalinershow.com/See omnystudio.com/listener for privacy information.

Proverbs 13:22 tells us, “A good man leaves an inheritance to his children's children…” But while the Bible emphasizes the importance of leaving an inheritance, it doesn't provide a step-by-step guide. That's where careful planning and biblical wisdom come into play. Here are some principles to help you make wise decisions about your estate—particularly when it comes to real estate—and avoid unintended conflicts among your heirs.The Common Approach: Equal DivisionOne of the most common phrases in wills is, “My estate will be divided equally among my children.” This approach seems fair and straightforward, especially when the estate consists entirely of financial assets. However, complications arise when property, such as a home or vacation property, is included.When real estate is left to multiple heirs, they face tough decisions:Joint ownership: Should they retain the property together, splitting the responsibilities and costs?Sell and split proceeds: Should they sell the property and divide the cash?Buy out: Should one or more heirs buy out the others to take full ownership?These decisions can quickly lead to financial and emotional challenges without clear guidance.The Hidden Challenges of Inheriting PropertyLeaving property to multiple heirs often creates unexpected burdens, both financial and emotional.Properties come with ongoing expenses, including:Maintenance costsProperty taxesInsurance premiumsHomeowners association feesWho makes decisions about upkeep? How are expenses divided? And what happens if one heir can't—or won't—pay their share? These issues can turn a blessing into a burden.Emotions can also complicate property decisions, especially when tied to childhood memories. Disagreements over minor details—like paint colors or furniture placement—can spiral into larger conflicts. Long-buried resentments may resurface, particularly if one sibling is named executor and perceived as having undue authority.Practical Solutions to Prevent ConflictTo avoid these challenges, consider these strategies:Treat Property Like Any Other AssetMany estate experts recommend stipulating in your will that all property is to be sold, with proceeds divided among heirs. This approach provides clarity and avoids forcing heirs into joint ownership.Allow for FlexibilitySome heirs may wish to “buy out” the others to retain the property. By structuring your will thoughtfully, you can provide this option while ensuring a fair division of the estate.Consider Unique NeedsRon Blue, author of Splitting Heirs, suggests that “if you love your children equally, you will treat them uniquely.” Equal division may not always be the wisest choice. Consider factors like financial need and money management skills when planning your estate.The key to preventing conflict lies in communication. Discuss your estate plans openly with your family so they understand your decisions and the reasoning behind them. This transparency eliminates surprises and fosters unity among your heirs.Seek Professional GuidanceCreating or updating a will is a critical step that requires professional expertise. Work with an estate attorney who shares your Christian worldview to ensure your wishes align with biblical values. Certified Kingdom Advisors are an excellent resource; visit FaithFi.com to find one near you.By planning thoughtfully and communicating clearly, you can leave your children and grandchildren not only a financial inheritance but also a legacy of love and wisdom. Proverbs 13:22 reminds us of the importance of stewardship—not just in what we leave behind but in how we prepare to pass it on.On Today's Program, Rob Answers Listener Questions:I'm 77, and my husband is 81. The only thing that we have of any value is property. We live on about an acre and a half, and we're in a trailer. We would like to gift this property to our grandson, who is 26. We would like to know the best way to gift it without him being hit with too much of a financial penalty.I'm trying to figure out how capital gains are calculated when I withdraw money from my 401(k), especially since my company stock has appreciated significantly over the years.My daughter's credit score is 625, and she's committed to repairing it. My credit score is over 800, and I've heard you talk about making someone an authorized user on a credit card to help with their score. How does that work, and how would it affect our credit scores?I'm completely lost when it comes to finances. However, I want to set my family up for financial success, so I would like to know if you could point me to a resource that can help me learn what I need to know about finances.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationChristian Credit CounselorsChristian Healthcare Ministries (CHM)Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

As wildfires, hurricanes, and floods repeatedly devastate areas of the U.S. a focus on the nationwide insurance crisis as premiums skyrocket and companies abandon entire communities leaving homeowners forced to choose between coverage and survival. The Los Angeles wildfires decimated tens of thousands of acres, killed at least 10, and forced the evacuation of more than 180,000 people Dr. Phil focuses on a devastating crisis that's hitting close to home. Homeowners in California and across the nation are left helpless and vulnerable as insurance premiums skyrocket, leaving many with a heartbreaking choice: pay for coverage or put food on the table. First, a woman whose parents nearly lost everything in the Los Angeles wildfires, she says it's a miracle that they didn't because no insurance company would cover them, and they were without insurance. Then, Dr. Phil speaks with Kristy and Michael, who know this reality all too well after losing two homes in the last six years to California wildfires. Now, they're trying to rebuild for the second time.  Plus, Dr. Phil talks to Macie and Caleb, who couldn't afford flood insurance due to rising costs. When Hurricane Helene hit, they watched helplessly as floodwaters destroyed their forever home. Macie says it felt like a thief came in the night and stole everything.  Dr. Phil also hears from Jamie, who was shocked when her home insurance was unexpectedly canceled due to wildfire risks. Now, her family lives in constant fear of losing everything.  Dr. Phil will also speak with attorney at law Steven Bush who says that insurance companies are in it for the profit and offer tips for homeowners seeking coverage in these uncertain times. Thank you to our sponsors: Cozy Earth: Visit https://CozyEarth.com/PHIL and use code PHIL for up to 40% off Tax Network USA: Visit https://TNUSA.com/DRPHIL or call 1-800-958-1000. Preserve Gold: Get a FREE precious metals guide that contains essential information on how to help protect your accounts. Text “DRPHIL” to 50505 to claim this exclusive offer from Preserve Gold today.

Today's Poll Question at Smerconish.com: Should Congress allow insurance plans to raise premiums for people who drink? Listen here to Michael's take, then vote at Smerconish.com, and please leave a rating and review of this podcast! The Daily Poll Question is a thought-provoking query each day at Smerconish.com on a political, social, or other human interest issue. Entirely non-scientific, it always begins a great conversation. Michael talks about it in this podcast each weekday.