Mutual insurance

Excellence exists concurrently as both an oft-cited desirable quality, and an elusively-defined buzzword on the lips of ambitious CEOs and entry-level employees alike. In this post, I will break down specific areas of excellence in three different companies, cutting through corporate jargon to provide clarity to an overused word. In a crowded and fast-paced global market, every company must seek to provide value to their customers. As we start this course in marketing, what better concepts to…

about taking out a life insurance policy can be scary, because no one likes to ponder on the thought about dying prematurely. However, taking out a policy at the perfect age can ensure that there are no surprises for your family, being funeral expenses, for example, when your time finally comes. Although, it can be difficult to know when the perfect age to get life insurance should be. Types of Life Insurance First of all, before even considering taking out a life insurance policy, it's best…

83-10=46.8346.833x50(less 10 minute break from 60)=$2341.67 Elimination of 2 sick days: 105x8=840 total cost saved: $3265.70 16904-3265.7=$13638.30 OPTION 2 Savings from reduction of benefits Probationary period for health and dental insurance: Health Insurance: $4000x5%=2004000-200=3800 Dental: $350x10=35350-35=315 Unemployment Compensation: $434x 8%=$34.72$434-$34.72=$399.28 Worker's compensation: 546x3%=13.02$546-13.02=4532.98 Short term and long term benefits: 83+57=$140 140x1%=$1.4…

can help in deciding whether to get pet insurance. Veterinary costs have increased in the past several years. These days, bringing a dog to the vet is similar to bringing a person to the hospital, when it comes to operating costs. Five years ago, our beloved lab Katie developed cancer. We spent over $5,000 in medical fees to treat her. As we learned, surgery, therapy and other treatments will certainly burn a hole in any pet handler's pouch. Pet insurance will lessen, if not entirely safeguard…

Workers’ compensation, or worker’s comp, is a type of insurance that is purchased by employers for the coverage of employment-related injuries and illnesses. The primary objective of workers’ comp is to provide compensation to employees who sustain job-related illnesses or injuries. Workers comp benefits preclude the employee from suing his or her employer for the illness or injuries sustained. The main goal of workers' compensation laws is to provide occupationally ill or injured employees…

Development FROM: Haoming Cao, Actuary DATE: Feb. 12, 2017 SUBJECT: A Promising New Product - Long-term Care Insurance Recent conference discusses a new insurance product, the Long-term Care Insurance. In this memo, I will present the basic features and the future market of this promising new product to you as a reference. Basic Features of Long-term Care Insurance Long-term care insurance is designed to cover the expense of long-term care (LTC) services for the insured who is unable to…

Recent Changes in Medicare Medicare is federal health insurance program that helps 65 and older patients or younger adults with disabilities and anyone with certain diseases. Medicare is always changing and sometimes those changes can affect you with more severe changes to the program. If you are eligible for Medicare your enrollment period will begin 3 months before your 65th birthday and applying online will save you time and money so it is best to apply online. There are different types of…

Families that are financially strained, often times do not include disability insurance in their monthly budgets. The decision to allocate this insurance into their budget is pertinent, not only important to their future, but their families as well. It is highly recommend that individuals who are self-employed or have a hazardous occupation purchase disability insurance. Disability insurance policies provide an alternate income should you find yourself unable to work due to illness or injury.…

How to Choose Your Landscaping Company Your lawn represents your home. It is the first thing people see when visiting, and one of the most noticeable things when driving in front of your home. Therefore, you want to make sure that you keep proper care of your lawn. If you don't have time you can find it hard to keep up with the maintenance. If you have this issue you should contact a landscaping company in your area. Below are some things to look for when picking out landscaping in Chesapeake,…

because the government is the only way they can truly afford it. Yet, this is the very reason we should eliminate the government’s role in healthcare. By giving power to private insurance companies, prices become competitive in the market. Buyers will have multiple companies to look to for medical options, and because no insurance company wants to go out of business, they will keep their prices low to attract buyers. This will allow families from all income levels to afford the healthcare of…