The Affordable Care Act “Healthcare Open Enrollment” Starts November 1st, 2016

Healthcare open enrollment is a time period during which individuals can purchase or make changes to their current health insurance coverage. Under the Affordable Care Act, individual health insurance plans…
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3 Things You Need To Know About Flood Insurance

You might think that flood season has come and gone, but flood season never actually comes and then goes away. Living in Missouri we can have floods any time of…
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Is matching required in Missouri

This post was originally posted and shared ON JUNE 29, 2015 BY BRANDEE BOWER. and is about “Is matching required in Missouri”. So…..Is matching required in Missouri This post is…
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Hazards And Perils In Insurance

In the world of insurance, the terms hazards and perils in insurance are often used interchangeably when it comes to hazard insurance. Especially when it comes to describing the various risks…
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Insurance Advisors Trivia Challenge

We would like to introduce our weekly trivia challenge! Starting on Friday, July 1, 2016 at 10:00 a.m. you will have the chance to participate in our contest. There will be…
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Vanishing Insurance Deductibles – Brilliant Idea or Is It?

If you watch much television, it’s likely you’ve seen a variety of “vanishing insurance deductible” commercials aired by numerous property insurance companies. The idea behind a vanishing insurance deductibles is…
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Calculating Insurance Premiums

Ever wonder how a St. Louis insurance company decides how much to charge its customers in exchange for insurance coverage? Learn how they go about calculating insurance premiums. The Many…
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Insurance Fraud, Meet Anti-Fraud Overkill

Unfortunately for the industry, insurance fraud is an everyday reality in the world of insurance. Certain ne’er-do-wells seem to be always trying to pull a fast one over insurance companies,…
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Functional Replacement Cost

What is Functional Replacement Cost? Under certain circumstances, a Replacement Cost policy, which requires the insured to insure their home for its full replacement is not practical due to the disparity…
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Taking a drive at night

Here is a large list of night driving hazards that most may not be aware of. As it begins to get darker our ability to judge distance and road hazards decreases.…
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