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Flexible Spending Account

Employees who are covered under an employer-sponsored health insurance plan can supplement their health coverage through a Flexible Spending Account (FSA). Employer-sponsored Flexible Spending Accounts must comply with IRS rules and regulations. FSAs offer employees the ability to pre-fund anticipated medical expenses that are not otherwise covered under the health insurance plan. Flexible Spending Accounts [...]


The primary care physician is not always the first stop when it comes to feeling better. Many patients prefer to seek the alternative care of a chiropractor. While not all ailments are solved through chiropractic adjustments, policyholders like having the option of deciding which type of care to choose. The good thing is that health [...]


Insurance professionals in the state of Missouri must obtain a producer’s license before they can buy or sell insurance on behalf of a company or insured. The Missouri Department of Insurance Financial Institutions and Professional Registration offers several types of insurance licenses for Missouri agents/brokers/producers. Before seeking a license determine which line of authority (or [...]

Anyone considering a career as a commercial insurance broker might want to understand some of the day-to-day broker responsibilities before making a decision. Below is a description of the typical duties of an insurance broker when it comes to renewing a commercial property policy. Starting the Renewal Process Approximately 120 days before the policy renewal [...]

Certificate of Insurance

With all of the papers and documents issued in the insurance industry, it is easy for the average person to get certain terms confused. Two such terms frequently confused are certificate holder and policyholder. After all, certificates list insurance coverages along with limits and so do policies; how much of a difference could there be? [...]

Workers Compensation is a mandatory coverage and there’s no way a legitimate business can get around purchasing a policy. Since the coverage is mandatory, business owners should monitor their exposures to ensure they are not paying more for their Workers Compensation policy than is necessary. One way to save on Workers Comp premiums is to [...]


In order to maintain an insurance broker’s license in the state of Georgia, all candidates must take a preset number of continuing education course hours. The number of hours required depends on the number of years the broker has been licensed. For example, resident insurance producers who have held licenses for over 20 years must [...]


Life insurance professionals in California are not able to buy, sell or receive commissions on insurance policies until they have passed the state exam. The Department of Insurance has outlined the requirements necessary to become a licensed life insurance agent in California. After taking the necessary pre-licensing training courses, candidates have the knowledge necessary to [...]


Life, accident & sickness is one of the available types of Georgia insurance broker licenses. Once licensed, agents may receive commissions on policy sales. Before achieving the designation as a licensed life, accident and sickness insurance broker, candidates have to comply with the state requirements and pass the appropriate licensing exam. Georgia Licensing Education Requirements [...]


In order to maintain a Delaware Insurance broker’s license, each insurance producer must take continuing education classes through a state-approved provider. The state of Delaware does not have a pre-licensing education requirement for obtaining the insurance license. Therefore, for some insurance professionals, the continuing education environment may be the first time for taking formal insurance [...]