Posts Tagged ‘American’
2012 North American International Auto Show
January 24th, 2012
Coverage from the 2012 North American International Auto Show. Several of the new cars that were seen at the show. www.naias.com Music from http
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American General Life Companies Announces Simplified Web-Based Life Insurance …
January 19th, 2012
American General Life Companies Announces Simplified Web-Based Life Insurance …
The United States Life Insurance Company in the City of New York (USL) One World Financial Center, 200 Liberty Street, New York, NY 10281 AG Secure Lifetime GUL Policy Form Number 10460N; AG Select-a-Term Policy Form Number 09007N; AG ROP Select-a-Term …
Read more on MarketWatch (press release)
The Basic of Life Insurance Cover
Death is the most traumatic experience that a family can experience together, and although it is inevitable it is still a very painful, life altering experience. Bearing this in mind you can see that taking out a quality life insurance policy is …
Read more on Hinckley Times
China Life Leads Gains in NY Index on Lending: China Overnight
19 (Bloomberg) — Chinese stocks in the US advanced, led by China Life Insurance Co., on the prospect policy makers will allow banks to boost lending to help avert a slowdown in Asia's fastest growing economy. The Bloomberg China-US 55 Index of the …
Read more on BusinessWeek
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Tags: ..., American, Announces, Companies, General, insurance, Life, Simplified, webbased | 
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American Express Premium Rental Car Coverage
December 23rd, 2011
American Express Premium Rental Car Coverage
by Jeffrey Weber on December 22nd, 2011 Most credit cards offer some type of rental car coverage. Unfortunately, the terms of these policies are often difficult to find and poorly spelled out. In addition, this coverage contains numerous limitations …
Read more on The Balance Transfers Blog (blog)
Does new data support insurers' push for auto coverage changes?
Car owners are required to purchase at least $ 10000 of PIP coverage, which pays medical benefits for policyholders no matter who caused an accident. Backers of the legislation say it's being abused through inflated and fraudulent claims. …
Read more on Sun-Sentinel (blog)
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Remedy and Reaction: The Peculiar American Struggle over Health Care Reform
December 22nd, 2011
Remedy and Reaction: The Peculiar American Struggle over Health Care Reform
In no other country has health care served as such a volatile flashpoint of ideological conflict. America has endured a century of rancorous debate on health insurance, and despite the passage of legislation in 2010, the battle is not yet over. This book is a history of how and why the United States became so stubbornly different in health care, presented by an expert with unsurpassed knowledge of the issues.
Tracing health-care reform from its beginnings to its current uncertain prospects, Paul Starr argues that the United States ensnared itself in a trap through policies that satisfied enough of the public and so enriched the health-care industry as to make the system difficult to change.
He reveals the inside story of the rise and fall of the Clinton health plan in the early 1990s—and of the Gingrich counterrevolution that followed. And he explains the curious tale of how Mitt Romney’s reforms in Massachusetts became a model for Democrats and then follows both the passage of those reforms under Obama and the explosive reaction they elicited from conservatives. Writing concisely and with an even hand, the author offers exactly what is needed as the debate continues—a penetrating account of how health care became such treacherous terrain in American politics. (20110602)
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Origins of American Health Insurance: A History of Industrial Sickness Funds (Yale Series in Economic and Financial History)
December 22nd, 2011
Origins of American Health Insurance: A History of Industrial Sickness Funds (Yale Series in Economic and Financial History)
How did the United States come to have its distinctive workplace-based health insurance system? Why did Progressive initiatives to establish a government system fail? This book explores the history of health insurance in the United States from its roots in the nineteenth-century sickness funds offered by industrial employers, fraternal organizations, and labor unions to the rise of such group plans as Blue Cross and Blue Shield in the mid-twentieth century.
Historians generally view the failure to establish universal health insurance during the first half of the twentieth century as an indicator of the political clout of insurers, employers, unions, and physicians who thwarted Progressive efforts. But the explanation is actually simpler, John Murray contends in this book. Careful analysis of the workings of industrial sickness funds suggests that workers rejected plans for compulsory state insurance because they were largely content with existing private plans. Murray revises our understanding of the evolution of health care insurance in the United States and discusses the implications of that history for the ongoing debates of today.
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2.5 million young American adults have health insurance through parents’ plans
December 14th, 2011
Kevin Lyons
The Affordable Care Act, President Obama’s signature health care reform law, has allowed 2.5 million young American adults to have health insurance, according to figures released Dec. 14 by the White House.
The increase in coverage of young adults is 2½ times more than a government study released earlier this year had shown. That study indicated about 1 million Americans age 19 to 25 had gained coverage from September 2010 to June 2011 under a provision of the health care law.
Kathleen Sebelius, secretary of the U.S. Department of Health and Human Services, applauded the new figures and pointed to a family like the Houghs as beneficiaries of health care reform. Sebelius says the Houghs’ daughter, Natalie, suffered a heart attack at school and was diagnosed with a rare heart condition, requiring a lifetime of medication and care.
“Now, thanks to the health care law, Natalie can stay on her family’s plan and has started college,” says Sebelius, referring to the part of the law that allows children to stay on their families’ health insurance until age 26.
“More young adults in this country can now go on and live their lives with less worry about visiting their doctor when they get sick, or incurring catastrophic medical bills if they are in an accident. And for us parents, this lets us breathe a sigh of relief,” Sebelius says.
Lori Johnston
Insuring Rudolph, Dasher, Dancer, Prancer and Vixen can be as difficult as Santa Claus trying to squeeze through your chimney on Christmas Eve.
Reindeer owners and deer farmers recognize the need to insure their deer, but obtaining affordable coverage can frustrate participants in one of the fastest-growing industries in rural America.
Deer farming is more than 100 years old in North America. The cervid farming industry, which includes deer and elk, has a direct annual economic impact of $ 893.5 million, according to researchers at Texas A&M University.
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| Deer-breeding farms spend an average of more than $ 2,600 a year on insurance. |
An estimated 1.2 million white-tailed deer – the most widespread and abundant type of deer in the United States – are owned by deer farmers, with an average of 80 deer per farm, according to the North American Deer Farmers Association and the American Deer & Wildlife Alliance.
“It’s just like any other property or commodity. It’s got value to it, the same as any other livestock. As a deer farmer myself, I’ve got insurance on my horses and my cattle and my deer,” says Shawn Schafer, executive director of the Ohio-based North American Deer Farmers Association.
If Grandma gets run over by a reindeer
Liability coverage is the least expensive part of an insurance policy for deer, and it can cover a variety of scenarios. One of the most worrisome: If a deer gets hit by a car and the tag on the deer can be traced to a farm, the owner might be liable for damages to the car and injuries to the driver or passengers.
“That’s the big concern across the country,” says Ryan Keith, co-owner of Mike Keith Insurance Inc. in Clinton, Mo.
The annual cost of wildlife damage to humans and property in the United States totals more than $ 2 billion annually, according to the U.S. Department of Agriculture.
The cost of deer coverage normally depends on the value of the animals. Typically, Schafer says, liability coverage should be 2 percent to 8 percent of the deer herd’s value. Deer-breeding farms spend an average of $ 2,637 a year on insurance, according to Texas A&M University researchers.
Mortality coverage, which compensates an owner in the loss of a deer because of injury or disease, is more expensive. Many deer are killed in collisions with cars. For a farmer with $ 100,000 worth of deer, some mortality policies cost $ 10,000 to cover the deer herd for a year, Keith says.
Insuring antlered animals for liability and mortality requires understanding how insurers and government agencies categorize deer. Some consider them exotic animals, while others consider them livestock or wildlife.
‘It’s easier to insure Santa than it is a reindeer’
Kyle Wilson owns Tennessee-based Rocky Hill Reindeer, which has 16 reindeer that he exhibits at Christmas tree farms, theme parks, shopping centers, schools, museums, banks, towns and other places across the country.
“I’ve had three different (insurance) carriers,” Wilson says. “I didn’t anticipate it being as much of a pain in the butt as it is, but I’ve been able to get by.”
One insurance carrier canceled Wilson’s deer policy. The insurer cited increased risk from claims, even though Wilson says he didn’t make any claims. Another insurer required a few years later that he insure his farm and houses through the company — an option that Wilson didn’t take.
“It’s easier to insure Santa than it is a reindeer,” says Wilson, vice president of the Minnesota-based Reindeer Owners and Breeders Association.
Endearing yourself to an insurer
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| Kyle Wilson (wearing red-and-green hat) owns Tennessee-based Rocky Hill Reindeer, which has 16 reindeer that he exhibits around the country. |
Deer owners often don’t understand that their farm policy or home policy won’t cover damage caused by deer because insurance companies do not view deer as livestock, but as exotic animals.
“A deer farmer who has a generic farm policy more than likely is missing liability insurance on his deer if they get out and they cause property damage or harm to others,” Keith says. His company is licensed in 22 states to offer coverage to deer farmers and hunting preserves; the coverage is endorsed by the North American Deer Farmers Association.
Some policies have become more restrictive and expensive as companies have experienced significant deer claims, Keith says. Adding to the challenge: Only a few companies offer coverage to deer farmers in every single state.
“There is no large-name company out there with this coverage. A lot of guys snuck in their deer farms under their farm policies,” Keith says.
Those farm policies are available through a state farm bureau, for example. Wilson says some deer owners he knows have turned to policies underwritten through specialty companies like Lloyd’s of London, which insures white-tailed deer and other domestic and exotic animals.
Keith says deer owners must tell an insurance agent and insurer carrier that they have deer on their farms and provide the number of deer. Some deer farmers have contacted his agency after receiving 30-day cancellations when the insurance carrier discovered deer were on the property.
“Just because your agent knows you have some deer out there, it doesn’t mean that the agent has told the company he writes for that you have deer out there,” Keith says. “Or agents are just making it look like a farm because they know it would be very difficult for you to have coverage for a deer farm.”
It’s a real zoo
When Wilson, the Tennessee businessman, rents reindeer to groups, the insurance doesn’t carry over when Wilson isn’t there. “I transfer the ownership, at least temporarily,” Wilson says. “When you lease a car, they don’t give you insurance, and I don’t either.”
Wilson, who’s trying to find an insurer that might offer a group policy to reindeer owners, has a petting-zoo policy through his insurer. The premium is based on income, instead of the value of the deer. In the past, he exhibited the reindeer rather than allowing kids and adults to touch the animals; getting insurance was one of the reasons he decided to operate as a petting zoo.
“If you say ‘petting zoo’ and they’ve done that and heard of that, it’s a little easier,” Wilson says of getting insurance.
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American News Post Info on Joseph Fosco
December 2nd, 2011
illinoisstateinsurance.com auto insurance, Illinois Auto Insurance, Cheap auto insurance, Tickets,Accidents,DUI’s,Revoked,Suspended, NO PROBLEM 877-333-4742
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American Properties Announces ?Smart Rent to Buy? Programat its Luxury Development, The Jefferson in Ewing, N.J.
November 20th, 2011
American Properties Announces ‘Smart Rent to Buy’ Programat its Luxury Development, The Jefferson in Ewing, N.J.
EWING, N.J. (PRWEB) November 02, 2011
American Properties, an award winning, family-owned, New Jersey-Focused, LEED Certified home builder, has announced a newleasing programat its luxury condominium community, The Jefferson, in Ewing, N.J. Located at 350 Phillips Blvd., The Jefferson offers attractively priced apartments,starting at ,600 per month, with qualified lessees able to enroll in American Properties’ newly announced Smart Rent to Buy Program, giving them the option to buy out their lease at a later time.
“Our new leasing option makes luxury living more attainable for individuals and families alike, seeking an active, friendly and community-centric environment at a great price,” said Paul Csik, Senior Vice President of Sales and Marketing at American Properties. “We encourage all potential lessees to come experience the best rental apartment living that Central Jersey has to offer!”
Qualified lessees that enroll in American Properties’ Smart Rent to Buy Program,are eligible to have up to sixmonths of the their full rent applied toward the down payment ofthe home. Additionally,American Properties will cover all closing costs with no private mortgage insurance.For potential buyers, homes in the Rent to Buy Program start at a very attractive 9,990. Please note, lessees wishing to take part in the program must first qualify for a mortgage with the developer’s preferred lender to be eligible.
Conveniently located in Ewing, nearby Princeton and Trenton, The Jefferson offers close proximity to major area highways, including Interstates 295, 95, and 195, mass transit, and prominent New Jersey colleges with easy access to the Pennsylvania and New Jersey metro areas. This one-of-a-kind, lifestyle-focused community boasts spacious two-bedroom, two-bath floor plans with up to 1,491 square feet of livingareas and abundant closet space in a friendly and social environment for all ages.
“Offering new construction and a complete clubhouse lifestyle, The Jefferson is an affordable alternative to leasing an ordinary apartment or an older home, and is the only new community offering rental opportunities in Mercer County,” added Csik. “The Jefferson also offers numerous luxurious amenities and maintenance-free living in a great location.”
Additional features include nine-foot ceilings, private balcony or terrace, and community gym, pool and clubhouse, which is host to the frequent community events, celebrations and gatherings that give The Jefferson its distinct neighborhood feel.Those interested in the Smart Rent to Buy Programare encouraged to contact a sales representative at 609-434-1191.Additional information can also be found at http://www.americanproperties.net or at http://www.americanproperties.net/facebook/.
About American Properties Realty
American Properties Realty, Inc. is a family owned, New Jersey focused, award-winning home builder based in Iselin, N.J., that is committed to earning the trust of each buyer or renter who calls its communities “home.” American Properties Realty and its affiliated companies have created over 15,000 homes: from luxury single-family estates to master-planned communities of apartments, condominiums and townhomes. American Properties Realty prides itself on delivering the right home in the right place at the right price. Its residential communities have an unsurpassed reputation for quality craftsmanship and extraordinary value in creating community-oriented homes in premier locations.
The Jefferson sales office is open from 10 a.m. to 5 p.m. daily, except Thursdays and Fridays. For more information, call 609-434-1191 or visit http://www.americanproperties.net.
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Tags: American, Announces, Development, Ewing, Jefferson, Luxury, N.J., Programat, Properties, rent, Smart |
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A Cause With Solutions: An American Hemodialysis Story
August 29th, 2011
Life was good. I had completed years of arduous training in internal medicine and I had finally achieved a varied practice, balancing time in the hospital against my clinic and urgent care duties. I had a young and growing family living in a vibrant community that both my wife and I enjoyed. Then the postman delivered a letter of rejection from a life insurance application simply stating that I had failed my physical exam. This came as quite a shock to me since I had always passed my physicals in the military without any adverse reports. Yet, in 1998, at the age of 40, I first learned of an abnormal urinalysis with elevated levels of protein. (Source: American Journal of Kidney Diseases)
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Survey: One-fourth of American drivers can’t afford $2,000 tab for car repairs
August 3rd, 2011
John Egan
When it comes to making car repairs, a lot of drivers are strapped for cash.
One-fourth of American drivers questioned in a survey released by AAA say they couldn’t pay for a $ 2,000 car repair bill if they were faced with it today. One-fourth of drivers also say they’ve put off car repairs or maintenance in the past 12 months for economic reasons.
More than half of American drivers say they’re keeping an older vehicle because they don’t want the financial burden of a new one.
“Economic conditions have taken their toll on many Americans, resulting in them neglecting their cars and leaving them at increased risk for very expensive repair bills,” Marshall Doney, AAA’s vice president of automotive and financial services, says in a news release. “Many Americans rely on their cars for their livelihood, and losing access to them could be financially devastating during an already troubling economic time.”
According to the AAA survey, 38 percent of American drivers could pay for a $ 2,000 repair bill with money in a savings account, while 20 percent could pay with a credit card. Eleven percent say they’d have to borrow money to cover a $ 2,000 repair bill.
Slightly more Americans report being able to pay for a $ 1,000 repair bill, with 46 percent saying they could use savings and 22 percent relying on a credit card. Fourteen percent say they’d have to borrow the $ 1,000.
The telephone survey was conducted among 1,009 American adults.
