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Insurance & Employee Benefits
Preparing for your future is vital and most people have not sufficiently saved or planned for their lives in retirement. An annuity can help to provide the security you need once you stop working
Depending on your situation, an annuity can be a great investment for your future. But is it the right choice for you? Ask yourself these six questions before you invest
An annuity is a type of investment that can help support you after retirement. Do you know the difference between an immediate and a deferred annuity? Learn more in this informative video. Spokesmerson: Richard Allridge, Certified Financil Planner
Do you know where your income is going to come from once you stop working? And will it last for the rest of your lifetime? An annuity may be a good option for securing your financial future. Spokespersons: Margaret Dettinger, Retiree; Dr. Steven Weisbart, Insurance Information Institute; Jeanne Salvatore, Insurance Information Institute
Are you ready for retirement? Many people do not understand annuities or how much money they should save for retirement. This important information can help you live out your life comfortably
Air Bags: Potential Dangers to Your Children
Air bags save lives and prevent injuries, but they can also be deadly to young children and infants. Learn ways to eliminate these risks and keep your family safe. Spokespersons: Dr. Till Jolley, Emergency Room Physician; Brian O’Neil, Insurance Institute for Highway Safety
Common questions about insurance relating to college students, rental cars, updating your policy and more.
Car Breakdown Safety
Breaking down on a busy road can be dangerous and every year people are hurt or even killed while repairing their cars or waiting for assistance. Follow these simple guidelines to prevent such roadside risks. Spokespersons: Lon Anderson, American Automobile Association; Sgt. Greg Vanleer, Virginia State Police
Jet Ski Safety
Fun and fast, jet skis are a popular recreational vehicle. But they can also be dangerous to both the driver and others in the water. Learn how to keep everyone safe and happy in the water. Spokespersons: Commander Tom Martin; U. S. Coast Guard; Michael McCarten; Insurance Agent; John Birkinbine, Personal Watercraft Industry Association
Teaching your children a few simple guidelines about the school bus will keep them out of harm's way and get them home safe and sound. Spokespersons: Carl Baskerville, Elementary school principal; Dr. Ricardo Martinez, Administrator, National Highway Trafic Safety Administration
Every year, five million infants and children are injured, sometimes even fatally, in their own homes. Find out how to best childproof your house and make it safe for your children. Spokespersons: Dr. Heather Paul, National Safe Kids Campaign; Bonnie Greenbert, Psychologist.
Regular maintenance on the exterior of your home can save you thousands in repairs later. Use this checklist to prevent damage and save yourself money and headaches
Do you have enough insurance coverage to completely rebuild your home? Have you talked with your agent recently to update your policy? Don't wait until disaster strikes to find out you're underinsured. Stay current on your policy and keep yourself protected. Spokespersons: Tom Stobbs, homeowner; Jeanne Salvatore, Insurance Information Institute; Candysse Miller, Insurance Information Network of California.
If you rent a house or apartment, your possessions are NOT covered under your landlord's policy. Having renters insurance can protect your belongings and give you peace of mind. Spokespersons: Jim Eury, landlord; Bill Baily, Insurance Information Institute
Know Your Stuff® is the Insurance Information Institute's online home inventory software. This application makes creating and updating your home inventory easy. And with our free, secure online storage you will have access to your inventory anywhere, any time. You never know when a disaster may strike -
Hurricanes can damage and even destroy your home with fierce winds and rain. Here are five steps to fortify your home in preparation for a major storm. Spokespersons: Tim Reinhold, Institute for Business and Home Safety; Jeanne M. Salvatore, Insurance Information Institute
Dogs may be man's best friend, but as an owner you are liable if your pet bites or attacks another person or animal. A well-
Two out of three bicycle injuries involve children and some of these accidents result in death. Wearing a helmet and having a properly maintained bike can greatly reduce your child's risk of injury. Learn more about how to keep your child riding safely. Spokespersons: Sue Guzman, Brain Injury Association; Dr. Howard Benesohm, Psychologist
More than 1,000 boats are stolen every month. If you are a boat owner, learn some easy and effective ways to protect your craft from theft. Spokespersons: Robert Bryant, National Insurance Crime Bureau; Lt. Lee Polfray, Marine Investigator
Pet Health Insurance
Pet insurance can help give beloved animals longer and happier lives. Learn how to get the right kind of coverage for your furry friend. Spokespersons: Jim Gilespi, Dog Owner; Dr. Sharon Kessler, Veterinarian
Tax Deductible Losses
Some losses suffered due to a disaster could be tax deductible. Find out whether your situation might qualify in this video
New College Graduates
A young person fresh out of college faces many financial questions and challenges. Learn some basics about insurance and how to protect yourself-
Test Your Insurance IQ: Bicycle Insurance
Over one million bicycles are stolen every year, but many people don't even know whether their bikes are covered by their insurance. What happens if you injure someone in a bike accident and they sue? Are you protected? Find out by watching this video
Test Your Insurance IQ: College Students
When students leave home for college, they take along their laptops, myriad electronic devices and other valuables-
Test Your Insurance IQ: Travel Insurance
Vacations are precious escapes, but they can also be expensive and subject to disaster. Travel insurance can provide some useful protection—find out whether it's right for you
Filing an Auto Insurance Claim
An auto accident is a terrible experience, but it's important to gather all the necessary information in order to be able file your claim. Here are five steps to follow to make the claims process easier and quicker.
Steps for Filing a Homeowners Claim
What is the best way to file a claim? Following these steps can help you navigate the claims process efficiently and get the most out of your policy
Filing a Homeowners Claim
Suffering damage or losing your home due to a disaster can be an overwhelming event. However, there are steps you can take to ensure an efficient claims process. Spokespersons: Sharon Williams, Homeowner; Jeanne Salvatore, Insurance Information Institute
Personal Stories: The Hodas, Checking Policies Regularly
In the aftermath of Hurricane Katrina, Gene Hoda recommends checking insurance policies regularly to make sure you have enough coverage.
Joy Hoda is the owner of a Dairy Queen in Mississippi which was severely damaged by Hurricane Katrina. She says Business Interruption Insurance provided her with the cash she needed to meet her payroll while the damage was being repaired, and money equaling the profits that she would have lost while her business was down for 23 days. She believes this type of insurance is crucial for small businesses which face many natural and man-
Personal Stories: The Hodas Discuss Coverage for Their Poll
In the aftermath of Hurricane Katrina, Joy Hoda notes that she did not have enough coverage for her business’s poll sign.
Protecting Your Home Business
Owners of in-
Business Owners Policies
Do you know what a "BOP" is? Are you covered under your insurance if you have to move or shut down your business after a disaster? If you own your own business, test yout knowledge by watching this video.
The most magical day of your life warrants a re-
Do you know the difference between Term and Whole life insurance? Permanent versus Variable policies? Make sure you understand the basics about life
Finding a Lost Life Insurance Policy
Trying to locate a missing life insurance policy? Valuable tips on how to track down this important document
What is Long Term Care Insurance?
Due to old age, mental or physical illness, or injury, some people find themselves in need of help with the basics actions of everyday life. Long-
A good credit rating can mean paying lower premiums on your insurance. Learn how credit-
College Students and Credit
College life can be expensive, and for many freshmen the first time they are responsible for their own finances. Students should develop responsible credit card and bill paying habits early on, to avoid trouble later. Spokespersons: Sarina Marshall, College Administrator, University of Maryand; Linda Goladner, National Consumers League; James Godfrey, Consumer Credit Counseling Service