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The Bramlett Agency Blog: insurance

View the latest blog posts from The Bramlett Agency.

Is Life Insurance a Matter of Life or Death? You are not planning to have a heart attack tomorrow, or get a cancer diagnosis, or accidentally step out in front of  bus.  For that reason, especially if you are young and healthy, life insurance probably isn't for you.  Or is it? READ MORE >>

The Top Risks Businesses Face: •  Property damage from fire, storms and accidents •  Liability in many forms, including product liability, accident/injury liability, libel, malpractice and professional liability or "errors and omissions" risk •  Fraud, embezzlement, extortion READ MORE >>

Business Fraud Stats from the National Federation of Independent Business and the FBI: • In 2011 the FBI secured $2.4 billion in restitution for corporate fraud • The same year, the FBI ordered $16.1 million in fines from corporate criminals READ MORE >>

For the recruitment and retention of the best employees, having a solid employee benefits program in place is important.  If you just started a business or would like to look at "beefing" up your current benefits package, you will want to begin with considering the four most common types of employee benefits: READ MORE >>

If you're a smoker and looking to save money, quitting smoking is good place to start.  Unlike canceling your cable subscription or buying generics, quitting smoking will put money in your pocket while also benefitting your health! Costs of Smoking • On average, a pack of cigarettes cost $6. READ MORE >>

As healthcare cost continue to rise, it's increasingly important that you take an active role in decisions about your health, the care you receive and your health plan.  Here are some tips to help you get the most for your money. At the Doctor's Office READ MORE >>

We've gone through several questions and answers concerning ERISA, everything from "Who is a fiduciary" to fiduciary duties and rules.  Now we finish up with... ARE THERE SOME TRANSACTIONS THAT ARE PROHIBITED?     READ MORE >>

Let's continue with answering "How Do The Fiduciary Duty Rules Affect The Plan Operation?"... Evaluating Fees Fees are just one of the several factors fiduciaries need to consider in deciding on service providers.  When the fees for services are paid out of plan assets, fiduciaries will want to understand the fees and expenses charged and the services provided. READ MORE >>

It appears as if we are in for a pretty wet weekend, even a storm or two.  And with many of us on the road for ball games and holiday shopping, bad weather can just add to a the already hazardous conditions we face every time we get behind the wheel. READ MORE >>

When does your deductible and maximum out-of-pocket begin?  Most people believe that their deductible and max out-of-pocket begins when the policy is put in place and starts over each year at renewal/open enrollment.  Unfortunately that is not the case. READ MORE >>

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