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  In This Issue
 
 
Insurance Follows the Car, NOT the Driver

What you don't know CAN really hurt you. Top Ten Insurance Myths You Need to Know!

If You Have Any Problem, Call ME Back

ATTENTION Homeowners: Revise Your Home Insurance!

You Could Cut Your Car Insurance Bill in Half

Fundamentals for Reducing and Controlling Work Comp Cost

The Rising Tide of EPLI

Worker's Compensation Rate Declines- Precursor to the Next "Storm"?

Watch out baby boomers! "Retirement may mean a lifestyle downgrade"

Eight Keys to Financial Security

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MFG Blog  
Insurance Follows the Car, NOT the Driver
Market Financial Group
Tim Luperini
Most people don't fully understand the way their car insurance works in the event of a claim. The most important thing to remember is that your car insurance is tied to the vehicle not the owner. Even though the rate is partly based on the driver of the vehicle that is listed on the policy, the coverage follows the car.

News  
What you don't know CAN really hurt you. Top Ten Insurance Myths You Need to Know!
About.com
Bobbie Sage
You don't need to buy every insurance that is available in the market. However, having the right insurance with the right coverage is crucial. Know the differences between various insurance and you might save yourself a hefty sum in the future.

If You Have Any Problem, Call ME Back
Market Financial Group
Ms. Angie Neous
I’m sure many of you have come across a customer service representative going “if you have any problem, call US back”. The reason they use ‘us’ instead of ‘me’ is because chances are...

Commercial Property & Casualty  
Fundamentals for Reducing and Controlling Work Comp Cost
Risk Inform & Market Financial Group
Eivind Oland & Jim Drost
One of the greatest challenges for employers today is that of “managing” risks and costs associated with Workers’ Compensation exposures and injuries. With businesses downsizing and often realizing smaller profit margins, every effort must be made to control and minimize the impact that work-related injuries have on the current and future “bottom lines” of those businesses.

The Rising Tide of EPLI
Agent & Broker
Marla Donovan
With the U.S. economy still struggling out of the lowest levels since the Great Depression, a record number of American workers are suing former and current employers alleging job discrimination. Learn what your commercial insurer can do to protect you.

Worker's Compensation Rate Declines- Precursor to the Next "Storm"?
Risk Inform & Market Financial Group
Eivind Oland & Jim Drost
In recent months, many employers have been pleasantly surprised to see workers’ compensation (work comp) rates declining. While this rate decline is a positive and welcome trend, it’s probably unwise to become too complacent; history shows that most declines are merely the “calm before the storm”, with rising premiums to follow. In fact, many employers find themselves paying back some - or even all - of their premium savings as the next industry cycle comes along.

Personal Insurance  
ATTENTION Homeowners: Revise Your Home Insurance!
Flood Damage from Iowa Dam Breach Likely Uncovered
National Underwriter
Chad Hemenway
Mother Nature struck again. And this time, homeowners without proper insurance coverages are going to suffer. Here's an example of why you should revise your home insurance from time to time in order to keep up with unpredictable events.

You Could Cut Your Car Insurance Bill in Half
USA Today
Sandra Block
"Massachusetts has the most affordable auto insurance in the country while Louisiana has the least affordable car insurance," based on a research done by InsWeb. Most families do not have the option or resources to move out of state to benefit from a less expensive auto insurance. However, there might be something you can do to reduce your auto insurance premium.

Financial Security  
Watch out baby boomers! "Retirement may mean a lifestyle downgrade"
MarketWatch
Robert Powell
The odds are against you. According to the latest report released by the Employee Benefit Research Institute, chances are high that you, the baby boomer, will "exhaust your retirement savings after 10 or 20 years of retirement". Expert in the personal-finance issues has some advice for you.

Eight Keys to Financial Security
Kiplinger
Knight Kiplinger
Economic crisis, death of a family member, layoffs, hike in prices across industries and many more unforeseeable circumstances can jeopardize your financial strength and quickly deplete your resources. The saying goes, 'prevention is better than cure'. Financial security can be achieved if the right steps were taken from the beginning. It can be achieved by...