Podcasts about premiums

Let us know what you think about Health Affairs podcasts at communications@healthaffairs.org. If you have 30 minutes to spare, let us know and we'll set up a 30-minute chat for the first 20 listeners that reach out. Coffee will be on us.On May 13, A Health Podyssey's Rob Lott chatted with Andrew Ryan of Brown University about his paper in the May 2025 edition of Health Affairs that explores how Rhode Island's affordability standards impacted hospital prices and insurance premiums. Order the May 2025 issue of Health Affairs.Currently, more than 70 percent of our content is freely available - and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcasts free for everyone.

Episode 77, The New Chapter 66: Talkin' the Kerry King Band, Again, More... Part 1As referenced in the show... or not...UNBOXING VIDEO: Your pal Ferris unboxes the new edition of the book and tells you all about it for 26 minutes.Episode 57: A long report from the summer 2024 Kerry King-Mastodon concertEpisode 64: A much shorter report from the January 2025 Kerry King headlining showThe Kerry King band's live debut, from Reggie's in Chicago, 7 May 2024Janky sound: Kerry King LIVE @ UNSW Roundhouse, Sydney (FULL SET), 3 Dec 2024Co-ed UK blackened thrash crüe Chupacabra, the 2023 Fortified With Ashes EP. Featuring Talkin' Slayer Riffmaster General SAVAGE Nige Savage.⁠The new & improved & updated & embiggened book Ferris reads from every week, "Slayer 66 2 /3: A Metal Band Biography..., or, How Fkin' Slayer Kicked F*kin' @ss"⁠ — all four versions.If you want to buy an autographed copy of the new 4th edition of the book, 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 .GRATITUDE.

Recently, Bruce shared a story that perfectly illustrates unexpected life challenges—his basement flooded, turning a peaceful Easter weekend into an emergency cleanup session. Just as unexpected problems can flood your home, unanswered financial questions can flood your business strategy, especially questions like: "Can you deduct life insurance premiums?" https://www.youtube.com/live/crKKtLvZ44k Tax questions, much like sudden home repairs, can disrupt your carefully planned financial landscape. Whether it's water damage or unclear tax regulations, not addressing the problem can lead to costly mistakes down the road. Today, Bruce and I aim to clear up one of these significant financial uncertainties for business owners. Why Understanding Life Insurance Deductions MattersUnderstanding the Deductibility of Life Insurance PremiumsCan You Deduct Life Insurance PremiumsThe Supreme Court's Stance and Its ImplicationsStrategic Ways to Indirectly Deduct PremiumsAvoiding Short-Term Tax MistakesContracts vs. Accounts: Ensuring Long-Term CertaintyNavigating Complexity with Professional HelpThe Strategic Power of Life Insurance PremiumsBook A Strategy Call Why Understanding Life Insurance Deductions Matters The question "Can you deduct life insurance premiums?" isn't just a minor tax issue—it's central to building an efficient, effective, and robust financial strategy. Life insurance policies are powerful financial tools that, when used correctly, can significantly enhance your financial well-being. However, misunderstandings about their tax implications can lead to missed opportunities or even costly errors. In this detailed article, you'll gain clarity regarding the question "Can you deduct life insurance premiums?", the rationale behind IRS rulings, practical and legitimate strategies to indirectly achieve similar benefits, and the pitfalls to avoid in your quest for tax efficiency. By mastering these concepts, you'll be well-equipped to incorporate life insurance intelligently into your broader financial planning strategy. Understanding the Deductibility of Life Insurance Premiums Can You Deduct Life Insurance Premiums Bruce frequently encounters confusion among business owners about deducting life insurance premiums. Let's clear this up immediately: in most cases, you cannot directly deduct life insurance premiums from your taxes if the business owner benefits directly from the policy. The IRS views this scenario as lacking genuine "economic substance," as the policyholder ultimately recoups these premiums through a tax-free death benefit, meaning there's no real economic loss to justify a deduction. The Supreme Court's Stance and Its Implications Bruce highlighted a crucial Supreme Court ruling that set clear boundaries for tax deductions related to life insurance. This landmark decision explicitly stated that deducting premiums or interest on life insurance loans is generally not permissible when the insured party directly benefits. The reasoning is straightforward: since you or your estate will eventually receive these premiums back in the form of a tax-free death benefit, the premiums do not represent an actual financial loss or expense that justifies a tax deduction. Understanding this ruling can save you from potentially costly mistakes and help you align your tax strategies with IRS expectations. Strategic Ways to Indirectly Deduct Premiums Despite the restrictions, Bruce and I discussed legitimate and strategic methods to effectively reduce taxable income and indirectly finance life insurance premiums: Employing Family Members: Bruce pays his father for legitimate business-related marketing tasks. As his father falls into a lower tax bracket, this transaction reduces Bruce's taxable income and generates additional cash flow, indirectly supporting life insurance premium payments. Paying Your Children: Another powerful strategy is employing your children within your bus...

Lord Stirling from Common Censored joins Amber May to discuss how the price of health care has skyrocket. Josh Hawley asks important questions during a committee hearing as to why Car Insurance Companies either don't pay their customers at all or just pennies on claims filed. Is P Diddy a part of the illuminati? Is the illuminati behind the freak offs? Join Me On Telegram https://t.me/theambermayshow Podcast Like A PRO https://successfullyyouuniversity.teachable.com/courses/ Promocode Amber Discord https://discord.gg/pJ9nd8uY The Amber May Show Theme Song https://suno.com/song/87e27080-4ddb-47f7-8722-b00b251e6c84 Follow Me on Pickax https://pickax.com/azladyz Get all your My Pillow Products at a DISCOUNT www.mypillow.com/amber Use Promo Code AMBER and save up to 66% off Promo code-AMBER 800-957-2123 Get Ivermectin and hydroxychloroquine and SAVE Dr Stella Immanuel www.drstellamd.com Use Promo Code AmberMay and save Docuseries Restore Your Brain Health, Reverse the Effects of Alzheimer's https://wr374.isrefer.com/go/bhbt/amberhiliker/ Save Money When Using A Patient Advocate In The Medical System https://www.graithcare.com/?ref=Amber Take Control of Your Health & Healing! Get the full celebration of solutions that happened at Healing For The A.G.E.S. Over 20 hours of ground-breaking, life-changing, information you've never heard before, and can't get anywhere else! https://healingfortheages.com/ use promocode Amber Patriot Mobile- Free Activation When you become a Patriot Mobile member, your dollars are helping to fund our God-given right to freedom. A portion of every dollar we earn is given back to the causes that support organizations that fight for First Amendment Religious Freedom, Freedom of Speech, Second Amendment Right to Bear Arms, Sanctity of Life, and the needs of our Veterans and First Responders. https://www.patriotmobile.com/amber/ Use Promocode AMBER The Flynn Movie https://www.flynnmovie.com/ref/azladyz/ War On Truth Movie You've been told that J6 was a violent insurrection against the United States by a group of angry, fringe, MAGA supporters… What if it wasn't? What if there really was a War on Truth? https://hisglory.tv/?ref=448 Promocode MAY Patrick Byrne, the founder/CEO of Overstock.com, rose to the height of financial success and was once heralded as a Wall Street prophet. However, in 2019, Byrne seemingly slipped into madness — stepping down from his multi-billion dollar company, claiming to be a covert government asset trapped in a deadly game of political espionage https://enemywithindocuseries.com/ref/amber Promocode AMBER Is it possible with Turbo Cancers on the rise and Big Pharma's reputation at zero, that Americans are finally ready to hear the truth about Cancer? Are you ready? In the 70's a Doctor working for a National Cancer Institute discovered that Apricot seeds, which contain B-17, actually slowed the growth of tumors. https://rncstore.com/ambermay Ensure the health of the indoor air quality in your home investing in good air purifiers to eliminate pollutants and allergens, providing you with a breath of fresh air in the comfort of your home. Improve the water quality in your home by an RO or with hydrogen water https://airwaterhealing.com/#May Promocode May Supermassive Black Coffee is the dark brew that fuels the fire of rebellion, empowering free thinkers to rise against the establishment with every bold sip. Always 100% organic gourmet coffee beans Use Promocode AMBER https://www.supermassiveblackcoffee.com/ Freedom First Coffee www.FreedomFirstCoffee.com Use Promocode AMBER Freedom First Beef www.FreedomFirstBeef.com Use Promocode AMBER Delicious Cheesecakes https://belovedcheesecakes.com/ PromoCode AMBER The Commander's Artist Save 10% Promo Code Amber https://thecommandersartist.com/shop/ Lose Weight Attain Your Health Goals https://ambermay.kannaway.com/ Reverse aging with Timeless Pack www.TimelessPack.comPromocode AmberMay https://ambermay.kannaway.com/ambermay/product/MY003E?categoryid=460 Hero's Soap Save 10% with Promo Code AmberMay We Are on These Platforms Rumble https://rumble.com/c/TheAmberMayShow Odysee https://odysee.com/@azladyz:c Locals https://theambermayshow.locals.com https://yournews.com/author/amber-may/ Bitchute https://www.bitchute.com/search/?query=azladyz&kind=video CloutHub: https://clouthub.com/c/4EWXEKT9 Podbean: http://theambermayshow.podbean.com Catch Amber May Paisley Radio Wednesday 9pm (uk time) repeated Fridays at 1am (uk time) 2PM MST https://paisleyradio.com/ Catch Amber May On UG Media Fridays 10PM (UK Time) 3pm MST/5pm EST https://theug.media/wp-content/ugplayer/xlplayer.html Catch Amber May on Express Radio Station Thursday at 6pm MST/8pm EST https://live365.com/station/Express-Radio-a643 The Vera Radio Network today at 7pm ET www.mikevara.com www.Patriot-Radio.com

ການທົບທວນປະຈໍາປີ ຂອງ KPMG ກ່ຽວກັບການປະກັນພັຍ ພົບວ່າ ກຳໄລຂອງປະກັນພັຍ ໄດ້ເພີ່ມຂຶ້ນ ໃນປີ 2024 ໃນຂນະທີ່ ຜູ້ບໍຣິໂພກ ໄດ້ເຫັນການເພີ່ມຂຶ້ນຢ່າງຫລວງຫລາຍ ຂອງຄ່າປະກັນ (Premiums). ແຕ່ເມື່ອທັງຄ່າປະກັນພັຍ (Premiums) ແລະຜົນກຳໄລເພີ່ມຂຶ້ນ, ຜູ້ຊ່ຽວຊານບາງຄົນກ່າວວ່າ ບໍຣິສັດປະກັນພັຍ ສາມາດເຮັດໄດ້ຫລາຍກວ່ານັ້ນ ເພື່ອຮັກສາປະກັນພັຍ ໃຫ້ມີລາຄາບໍ່ແພງ ແກ່ຊາວອອສເຕຣເລັຍ.

California regulators are allowing State Farm insurance to charge 17% more following this year's LA wildfires. State Farm says it needs the rate increase — on top of the 20% it got last year — because it's in financial distress following the fires. But the issue of higher premiums goes well beyond California. We'll hear more, then learn why there are concerns about the U.S. dollar remaining the world's reserve currency.

California regulators are allowing State Farm insurance to charge 17% more following this year's LA wildfires. State Farm says it needs the rate increase — on top of the 20% it got last year — because it's in financial distress following the fires. But the issue of higher premiums goes well beyond California. We'll hear more, then learn why there are concerns about the U.S. dollar remaining the world's reserve currency.

After a brief hiatus, Tom and Mick are back at it...  This time they sit down with their first international guest, José Paz Vermal of Argentina, to discuss the current state of play in the wool market.SummaryThis chat delves into the dynamics of the global wool market, discussing current trends and challenges. The market hasn't been flash for a while, but José thinks that can be turned around with a focus on quality and better marketing.  Find out what opportunities there are for growers in 'nature positive' wools and why José is ok with being nicknamed 'the toe cutter', and other such things, when he reveals his alter ego on the wool buying floor! TakeawaysWool clip is down across the board, drought conditions are impacting wool yields and specs aren't great The wool market has barely budged in recent years, partly due to European businesses struggling to sell goods post-CovidJosé predicts an upward trend in wool prices, with supply dropping offPremiums still exist! Up to 30% for some cuttingsTrump's tariffs have impacted confidence and the Australian market will likely feel it in the next 6-8 months, depending on conversations had between China and the USAustralia is ahead of other countries with applying technologies to farming, we just need to market our clip betterChapters01:45 Jose's Journey: From Argentina to Australia06:01 Understanding the Wool Market Dynamics10:01 Market Trends and Challenges in Wool Buying22:06 Future Opportunities in Wool Production27:09 Predictions for the Wool MarketWe've managed to snag Tom and Mick for a monthly livestock chat from now on, so keep eye on your feed.If you enjoyed this episode, share it with a friend and let us know your thoughts at hello@humansofagriculture.com. Follow Humans of Agriculture on Instagram. Don't forget to rate, subscribe, and leave a review!

It was another Gameweek in which the likes of Mohamed Salah, Alexander Isak and even the fit again Erling Haaland failed to make the desired impact ⭐️

Talkin' Divine Intervention a Little, Talkin' Undisputed More, Talkin' Diabolus, Talkin' Hell Again Links to things mentioned — or implied, or not mentioned — in the episode this week.Click below for...Kathryn Hanneman's Official Jeff Hanneman feed, featured a Slaytanic slew of reposts from fans worldwide on May 2.The new & improved & updated & embiggened book Ferris reads from every week, "Slayer 66 2 /3: A Metal Band Biography..., or, How Fkin' Slayer Kicked F*kin' @ss" — all four versions.LIVE 1995: Live Intrusion, Remastered. Mesa Amphitheatre. Mesa, Arizona. on March 12, 1995.LIVE 1996: One of my favorite live shows: 1996: At Respectable Cafe. Miami, Florida. 27 April 1996.LIVE 1998, including soundcheck: At Roy Wilkins Expo Hall. St. Paul, Minnesota. 22 August 1998.Import Undisputed track: Slayer covers Suicidal's "Memories of Tomorrow"Import Undisputed track: Slayer covers GBH's "Sick Boy"If you want to buy an autographed copy of the new 4th edition of the book, 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 .GRATITUDE.

A Central Bank report shows a sharp rise in motor insurance premiums of 9% in the first six months of last year. Jerry spoke to Brian Hanley, CEO of Alliance for Insurance Reform.

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth, cover the best ways to stay on top of your insurance premiums. If you like this Australian Retirement Podcast episode on reducing your insurance premiums, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: The different types of personal insurance The enormous difference in premiums between policies The massive lifelong cost of retaining personal insurance cover The questions you need to ask to keep your insurance costs down How to use super to pay your insurance premiums Why having a good advice relationship can save you thousands (or tens of thousands!) in insurance premiums throughout your lifetime  Resources for this episode Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

A KPMG annual review of the insurance sector has found that insurance profits soared in 2024 as consumers saw steep hikes to their premiums. - Isang taunang pagsusuri ng KPMG sa sektor ng insurance ang nagsabing tumaas ang kita ng insurance noong 2024 habang nakaranas ang mga mamimili ng matinding pagtaas sa kanilang mga insurance premium.

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 

A KPMG annual review of the insurance sector has found that insurance profits soared in 2024 as consumers saw steep hikes to their premiums. But as premiums and profits both go up, some experts say insurance companies could be doing more to keep insurance coverage affordable for Australians.

Confused about how life insurance premiums actually work? You're not alone. In this video, we break down the truth behind life insurance costs—from what really affects your monthly payments to the hidden factors insurance companies don't always disclose. Whether you're comparing term vs whole life insurance, trying to lower your premium, or just want to understand what you're paying for, this guide will help you make smarter financial decisions.

Access Health is sounding the alarm about federal subsidies set to expire at the end of the year. It could mean Connecticut residents on exchange plans see their premiums skyrocket more than a thousand dollars than their prices now! We talked to Congressman Himes about the likelihood of extending the subsidies. Image Credit: Getty Images

Nick Archuleta, President of ND United, is on Afternoons Live with Tyler Axness to discuss how this bill would impact state employees and recruitment of new workers.See omnystudio.com/listener for privacy information.

Customers of private health insurance policies in India have noticed a worrying trend – their premium costs are shooting up, and, going by the many stories on social media, rejection of claims is also on the rise. Add to this the 18% GST that is charged on premiums, and it is no wonder that many say they are choosing to not renew their policies altogether. Healthcare remains one of those most expensive aspects of an individual's life in India – with medical inflation rates at 14% and about 60% of the country using private healthcare services, the fear that one episode of illness in a family member could put the family in debt for years, is not unfounded. So what are the regulations around the medical insurance sector in India? Why are health insurance premiums rising? Will the GST Council meeting next month decrease the rates and will this benefit customers? And is health insurance really the right model for universal health coverage in India? Guest: Prof. Indranil Mukopadhyay, Professor and Health Economist, at OP Jindal Global University Host: Zubeda Hamid Edited by Sharmada Venkatasubramanian

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.

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.

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

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

¡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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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.

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.

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...

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.

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.