Customized Insurance Agency Newsletters, Content, and Marketing

Starting in 2027, cars will need anti-speeding technology to qualify for the Insurance Institute for Highway Safety's (IIHS) coveted Top Safety Pick+ award, an honor given to the safest cars on the road. And by 2030, they'll also need built-in systems that detect impaired driving to be eligible for the award.

Here's a look at these new standards and how they could go a long way towards reducing roadway deaths.

American workplaces are facing a growing civility crisis that is costing companies dearly.

According to new research from the Society for Human Resource Management, rudeness and discourteous behavior are costing U.S. businesses an estimated $2.1 billion every day in lost productivity, absenteeism and disengagement. The problem doesn't stop at rudeness: a separate study shows a sharp rise in workplace violence, suggesting that incivility and more serious misconduct are increasingly intertwined.

Many people think life insurance is only for the young. They believe that life insurance is a tool best used by newlyweds with mortgages, parents of young children, and spouses who are both employed. 

But what does that mean for seniors? Does that mean retirees have no need for life insurance? The answer to that question depends on your family's needs as well as your financial picture upon retirement.

Medicare can be complex, and one of the rules that often surprises seniors is a rule that determines whether your care in a skilled nursing facility will be covered by Medicare or left for you to pay.

This rule is crucial if you need skilled nursing care after a medical event. Here's what you need to know.

When the COVID-19 pandemic struck, Medicare expanded coverage for telehealth visits so seniors could see their doctors without leaving home.

Those rules were only meant to be temporary, but Congress has extended them several times since then. The current extension is set to end Sept. 30, 2025. If lawmakers fail to act again, many of the telehealth benefits seniors have grown used to could disappear.

Medicare provides full coverage for a wide range of vaccines recommended for older adults.

But recent confusion around the latest COVID-19 shot has left some seniors wondering what's covered and what to do if they are turned away at the pharmacy.

Are you in the best available Medicare plan for your situation? For many Medicare beneficiaries, the answer is no — and that can be a costly mistake. Take advantage of Annual Open Enrollment to review the plan you are in now and if there are better options like a new or other Medicare Advantage Plan or Part D drug plan

The Federal Trade Commission has announced that it plans to vacate a Biden-era regulation banning non-compete agreements, a rule that had been put on hold by two courts shortly after it took effect in 2024.

As part of the FTC's move, the Department of Justice announced that it would abandon its defense in those cases. Despite the move, the FTC will continue to regulate the use of noncompetes and take action against employers who use them onerously. If you use noncompetes, you'll want to read this.

Under new federal guidance released early in September, starting with the 2026 plan year, more Americans will be able to buy catastrophic health insurance that features ultra-low premiums in exchange for ultra-high deductibles.

The Centers for Medicare & Medicaid Services announced that it will loosen the rules that govern who qualifies for these low-premium, high-deductible plans ahead of

the expiration of enhanced Affordable Care Act subsidies at the end of 2025. Here's how the new guidance expands eligibility to more people.

An insurance agent has filed papers with the state of California to qualify an initiative for the 2026 election that would repeal Proposition 103, a landmark insurance measure that has tightly regulated property and auto insurance rates since 1989.

The long-shot effort, which still has a big hill to climb, would likely increase prices but also coverage options if successful. Here's what's going on.

In an effort to bring more insurers back into California's homeowner's and commercial property insurance market, the state Department of Insurance (DOI) has approved a system that will allow insurers to use forward-looking wildfire risk models to price policies in areas susceptible to wildfires.

The DOI hopes this and other measures it's been taking, will provide some relief to businesses and homeowners in high-risk areas. Up until this point, insurers have been barred from using risk models that predict future wildfire claims costs and instead have been forced to use historical data.

Here's how this change may affect your coverage or ability to secure coverage, particularly if you live in an area with wildfire exposure.

Contractors should be interested in the financial ratings and solvency measures of their insurance companies to protect themselves from breach of contracts if their insurer suddenly runs into financial problems.

For starters, contract owners often require contractors to purchase their insurance from companies that have a specific rating as a minimum standard. The owners want to ensure that the carrier its contractors use have the financial wherewithal to pay claims that may arise.