Charles O’Connor Sr. VP & Manager for Commercial Market Liability Claims Liberty Mutual Insurance

PRLog (Press Release) - Sep 01, 2011 - Registration for the Bad Faith Mini Conference is now open at www.litmgmt.org/bf2011.
The Bad Faith Mini-Conference is an important and advanced half-day conference for industry, claim and legal professionals in the critical areas of insurance bad faith and coverage.  Expert industry panelists and moderators will lead three interactive and dynamic roundtables focused on avoiding bad faith claims in the adjustment process, strategic decisions by carrier and counsel after suit is filed, and tactics and objectives for success at trial.  The conference also includes breakfast remarks by Charles O’Connor, Senior Vice President and Manager of Commercial Market Liability Claims for Liberty Mutual Group.

Charlie O’Connor is Senior Vice President & Manager, Commercial Market Liability Claims, for the Liberty Mutual Group. As such, Charlie has overall responsibility for defining and delivering Liberty’s Commercial Market claim services countrywide for auto and general liability customers.
Previously, Charlie was the Vice President  & Manager of Middle Market Liability Claims and Assistant Vice President and Manager, Liability Claims, in the Liberty Mutual Group’s Examining Unit in Dover, NH. There he was responsible for oversight, management and evaluation of Liberty Mutual’s highest exposure liability claims for commercial market business.
Prior to these positions, Mr. O’Connor served in various legal and claims management positions including trial counsel & attorney of record in an active Long Island, New York practice. Charlie was also instrumental in the development of litigation management efforts for the Liberty Mutual Group.
Mr. O’Connor obtained his J.D. from St. John’s University School of Law in New York. He is a member of the New York State Bar, the American Bar Association and the Defense Research Institute.

About the Council on Litigation Management
The Council is a nonpartisan alliance of thousands of insurance companies, corporations, general counsel, risk managers, claims adjusters and attorneys. Through education and collaboration, its goals are to create a common interest in the representation by firms of companies, and to promote and further the highest standards of litigation management in pursuit of client defense. To learn more about the Council, please visit www.litmgmt.org
Contact: Adam Potter, Executive Director
Council on Litigation Management
212-724-2345

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Replacement laptops for students within 24 hours of claim – Endsleigh Insurance

PRLog (Press Release) - Sep 01, 2011 - Endsleigh recently revealed that students take on average £2,652 worth of goods to university and they have published data on the different types of claims made by students.  One of the most common causes of laptop claims is drinks being split on them.  

Infographic detailing the common insurance claims and their causes http://www.endsleigh.co.uk/Student/Pages/student-insuran ...  

Standard home contents cover is inadequate insurance for modern students, says Endsleigh Insurance.  Prone to accidents in shared houses and with student areas often targeted by thieves, many students have the need to claim on their insurance at some time during their studies.

Endsleigh Insurance has been specialising in student insurance for the last 40 years and in that time there have been massive changes in the type of goods students need to be insured for.  Forty years ago, students had little other than their books and clothes, now modern student houses are packed with valuable gadgets and technology – from laptops, to iPods, televisions and microwaves, it’s no wonder that student homes are so well targeted by thieves.

Too many students are unaware of all the benefits of taking out specialist Student Insurance, leaving them at huge risk.

The Endsleigh student insurance guarantees –
•   With Endsleigh student insurance, you only pay for the cover you need.
•   You’re covered for walk in theft.
•   The student laptop insurance could see you sent a replacement laptop within 24 hours if lost or stolen. *
•   £3000 worth of contents cover
•   Replacement loan item whilst yours is repaired

Endsleigh also offers tailored insurance for students living in halls.
Vicki O’Connell, spokesperson for Endsleigh explained:  “We have seen radical changes in the student population over the last 40 years and the items they claim for have grown hugely in value.”

“Students don’t have the funds to go out and buy a replacement laptop is theirs is lost or stolen, but it causes chaos for them to be without one.  We think offering a replacement laptop for students is the only practical solution – just like offering replacement cars for drivers.”

*Next day represents 1 working day from us accepting your claim.
** We will provide you with a loan notebook if we can’t repair your laptop within 5 working days.

Find out more about Student Insurance from Endsleigh http://www.endsleigh.co.uk/Student/Pages/student-insuran ...

About Endsleigh Insureance
Founded in 1965, Endsleigh is now one of the UK's leading independent intermediaries. Endsleigh specialises in providing student insurance solutions as well as packages career people and therefore it is a lifelong relationship that we seek with our clients: the product range that starts with students and continues through to retirement and beyond.

You can therefore obtain the most appropriate insurance policy to suit your changing lifestyle - whatever you drive, or home insurance policy for whichever type of property you live in and wherever you travel.

Our aim is to exceed our clients' expectations for price, cover and service.

Website:  http://www.endsleigh.co.uk/
Facebook: http://www.facebook.com/endsleigh
Twitter:  http://twitter.com/#!/Endsleigh

Notes to editors
The survey was conducted online during June 2011 and surveyed 2608 representative university students.

Media Contact:
For further information, please contact Natalie Bateman, Amy Bourke, Esme Knight or
Chris Goode on 020 7618 9103/ endsleigh@luther.co.uk or Vicki O’Connell on vicki.o’connell@endsleigh.co.uk.

We in providing student insurance solutions as well as packages career people and therefore it is a lifelong relationship that we seek with our clients: the product range that starts with students and continues through to retirement and beyond.

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PayServ and Essenture Partnership Saves You Time, Money, and Resources

Now it's easier than ever to outsource and automate your payroll and get customizable supplemental insurance benefits for your employees in one place! PayServ Systems offers customizable payroll features and benefits that save you time & money.

PRLog (Press Release) - Sep 02, 2011 - Sarasota, FL, 06-22-2011 — Nationally recognized premier payroll service provider PayServ Systems, announces a strategic partnership with stellar supplemental benefit provider, Essenture.
PayServ’s CEO Todd Saylor explains.  “PayServ Systems follows a business model of best serving our customers through product customization.  We study their exact needs and customize a payroll/benefits package for a perfect fit.  They don’t pay for anything they don’t need, but they get everything they want.  That’s unique in payroll outsourcing.  The best part is, they can add any of our other services whenever the time is right and each product is fully integrated with our payroll system.  Our business model is 100% customer oriented and that’s what gives us the edge over the competition.”  
“At the same time, we’re always looking for ways that we can better serve our customers and we hit a home run with Essenture.  Essenture has the same philosophy we do.  Customize solutions for your customers so they get exactly what they want.  They don’t pay for anything they don’t need and they’re taking care of their number one asset, their employees, all the while saving time, money, and resources.”
“Now you can outsource and automate your payroll and get customizable supplemental insurance benefits for your employees all through PayServ Systems.  Our customers have learned to trust us, because we’re there for them, always.  They know when we partner with another company; they can trust that company as well.  Trust, customer service, and a dedication to ever improving our services to better serve our customers.  That’s the PayServ way.”
For more information on how PayServ Systems can help you customize and streamline your payroll processing while saving time, money, and resources, call us at 877.804.3286. or visit us online: www.PayServSystems.com
For additional information or a sample copy, please contact:
Rique Clapp
PayServ Systems
(260) 624-3200
service@payservsystems.com
Visit http://www.payservsystems.com then call and ask about our special discounted pricing.
# # # PayServ offers a customizable suite of payroll admin services. With our cutting-edge, fully integrated payroll system you decide which services best fit your needs. As you grow, we're right there with you offering additional "plug-and-play" systems
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InsurMark Makes Inc. Magazine’s Exclusive List of America’s Fastest Growing Companies

PRLog (Press Release) - Sep 02, 2011 - Inc. magazine has ranked InsurMark number 36 in its insurance category on its fifth annual Inc. 500/5000 list, an exclusive ranking of the nation’s fastest-growing private companies. InsurMark, founded in 1983, is a leading independent insurance marketing organization that assists independent financial services professionals in growing their business.  

“This is quite an achievement and says so much about our staff, our carrier partners, and our agent partners,” said InsurMark Founder and CEO, Steve Kerns. “InsurMark is a true family and this honor proves that. Everyone at InsurMark shares the same goal of being the best at what we do for the people we serve.”

InsurMark President, Carolyn Luby added, “It is moments like these that make us reflect not only on the fact that our company is recognized for something we are very proud of, but it makes us value all those who helped us reach this status, and that is why we got here.”

The 2011 Inc. 500/5000 is ranked according to percentage revenue growth when comparing 2007 to 2010.

The ranking is a true honor because the companies on this year’s list report having created 350,000 jobs in the past three years, and aggregate revenue among the honorees reached $366 billion, up 14 percent from last year. In a stagnant economic environment, median growth rate of 2011 Inc. 500|5000 companies remains an impressive 94 percent.

Based in Houston, TX, InsurMark has been delivering promises to insurance professionals since 1983 through creative marketing and sales support and providing the best products and training in the marketplace. Visit us at www.insurmark.net to learn more.

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AutoCricket.com’s Ticket to the Top Event Named A Success

PRLog (Press Release) - Sep 05, 2011 - West Palm Beach, FL (September 5th, 2011) – AutoCricket.com, a leader in generating automotive insurance quotes, hosted an exclusive event on the top of Rockefeller Center in New York City on Wednesday August 24, 2011, following the first day of the LeadsCon East conference.

The evening event was held 67 stories above the Manhattan skyline on the observation deck of the Rockefeller Center, where guests could enjoy the view, a live D.J., an open premium bar, passed hors d’oeuvres, and custom designed AutoCricket.com ice luges.

The invite only event was exclusive for AutoCricket.com’s clients and those who are specific to the lead generation industry. With over 150 unique companies in attendance, the event was deemed a success in bringing like-minded companies together for an evening of networking and partner appreciation.

As the evening came to an end, the AutoCricket.com team handed out bottles of water to attendees as they exited. Each bottle of water that was handed out to guests had instructions to a website, AutoCricketcares.com, where attendees could go online and enter their company information for a chance to have $1,000 donated in their name to mycharity:water, a non-profit organization bringing clean and safe water to those in need as a part of AutoCricket.com’s core values outreach program.

“Our guests fell in love with the location not only for the view but also in relevance to the distance from where they were staying. Another thing that left a huge impression was the overall cohesiveness of the event from the invitations down to the water bottle campaign at the end. It was apparent that a lot of detail and time went into planning this event and everyone who attended had a great time.” says AutoCricket.com Business Development Director Alex Oliveira.

With the success of the event AutoCricket.com looks forward to attending future tradeshows and hosting more events like ‘Ticket to the Top’. AutoCricket.com’s next conference attendance will be at this years Ad:tech convention in New York City from November 8-10, 2011. To schedule a meeting or to speak to AutoCricket.com call 561.845.2463.

To see photos of the ‘Ticket to the Top’ event visit www.facebook.com/autocricketfanpage.

For more information about AutoCricket.com please visit www.AutoCricket.com.

AutoCricket.com
AutoCricket.com is a multifaceted company with a consumer-friendly interface enabling consumers to meet all of their automotive needs.  The simple forms with drop down menus and self-generated answers have made searching for automotive insurance and new vehicle prices easier for consumers. AutoCricket.com strives to provide a simple solution for those who have automotive needs, whether it is to search, finance or insure.

For more information about AutoCricket.com, contact Ashely Frazier at 561.845.2391.

Auto Cricket is committed to providing our clients with the best revenue increasing products in the market while employing those who continually show themselves to be professional, ethical, and have a total commitment to the company.

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HSA for America Educates the Public on How to Use the New Expanded IRA – a Health Savings Account

PRLog (Press Release) - Aug 31, 2011 - Since Health Savings Accounts were introduced in 2004, HSA for America has explained how to trade in an expensive co-pay health plan, which offers nothing beyond medical coverage, for a low-cost Health Savings Account Plan or an HSA Plan with three times the value.  With this year’s expanded health care coverage and benefits that outlast those of IRAs, HSA Plans are experiencing new growth.  HSA for America will host a free “webinar” on Wednesday, August 31, Thursday, September 1 and Friday, September 2 to explain how to get these benefits.  Free registration for “The 3 Keys to Greater Health and Savings with an HSA” is available at http://health--savings--accounts.com/webinar.php.  

This year, HSA Plans offer more health care thanks to health care reform.  Not even HSA-qualified health insurance policies with the highest deductibles have any out-of-pocket expense for preventive services from in-network doctors.  This added coverage has increased the demand for such plans that typically have the best prices on premiums.

While HSA Plans carry the same tax-free-earnings benefit and the tax-deduction advantage to lower taxable income that IRAs do, HSA Plans don’t limit those benefits to people under 65.  HSA Plans allow seniors to keep their investment growing with tax-free earnings and to continue deducting HSA contributions to reduce taxes.

By removing the limits on preventive health care and the under-65 age restriction for IRA-like tax advantages, HSA Plans have become so attractive that consumers are doubling up with a second HSA.  The IRS allows individuals to have multiple Health Savings Accounts, so consumers may combine an investment-oriented HSA with a cash-based one to be used for current health care expenses.  

The original HSA provides tax-free distributions to pay for qualified health care expenses without any restriction on age.  The second HSA acts as a pure investment option.  Unlike an IRAs or a Roth, which require seniors to start withdrawing funds, an HSA lets them continue growing their retirement account with tax-free earnings.  

HSA Plans offer investment options that rival IRAs, such as bonds, no-load mutual funds or stocks.  Interest-earning savings accounts are another option.  Pre-65-year-olds are penalized for withdrawing funds to be spent on anything other than qualified health care, but after 65, there’s no penalty for withdrawing HSA funds regardless of how the money is spent.  Taxes are still due on withdrawals, though.

Consumers can learn how to maximize both savings and tax advantages by combining low-cost health insurance policies with Health Savings Accounts.  The HSA for America free online “webinar” offers the chance to learn from HSA experts about how to select an HSA-qualified health plan, how to establish a Health Savings Account, and how to compare fees, investment options and services.  Registration for “The 3 Keys to Greater Health and Savings with an HSA” is available at http://health--savings--accounts.com/webinar.php on a first-come, first-served basis.  The webinar will be held on Wednesday, August 31, Thursday, September 1, and Friday, September 2 with a choice of three available times.

About HSA for America:

As the nation's leading independent HSA expert, HSA for America has earned a reputation for providing superior educational resources for individuals, families and small businesses. With a comprehensive website at http://www.health--savings--accounts.com/, consumers can evaluate high-deductible health insurance plans that allow them to establish an HSA.

Guidelines for selecting an HSA administrator based on fees and investment options are readily available at http://www.health--savings--accounts.com/admins.htm. Topics to help consumers maximize their savings on premiums and taxes can be found at http://www.health--savings--accounts.com/how-to-guide.htm.

Consumers may access HSA for America’s instant quote engine and online applications or request individualized assistance. Confidential consultations regarding HSA Plans and Health Reimbursement Arrangements may be arranged by calling 1-866-749-2039 from 9 AM through 11 PM Eastern.

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Learn the Basics of Homeowners Insurance

PRLog (Press Release) - Aug 31, 2011 - As many of you know, several insurance advisors are leaving the homeowners insurance field and pursuing other types of insurance.  Now customers are wondering where to go in search of a new insurance agent.  InsureMyHouse.com provides these customers with the information they need, offering one agent per zip code.  When searching for homeowners insurance visitors select by state and zip code, which displays their local exclusive agent.  These agents typically have offices and live in your local community.    

Moreover, home insurance rates have doubled or tripled in many parts of the U.S., especially after natural disasters such as Hurricane Katrina and the most recent Hurricane Irene which ripped through Eastern seaboard and miles inland affecting more than 75 million people.  States in the Gulf Coast are still rebuilding and the cost of Irene is estimated to be in the billions.  In the proceeding months, as residents get their renewal notices with substantial increases, InsureMyHouse.com will serve as a valuable resource to provide people with local agents.

InsureMyHouse.com also contains a guide for homeowners to learn the basics of homeowners insurance.  The site provides articles including: enough coverage, fire safety, understanding credit, home insurance deductibles and more.

For additional information visit InsureMyHouse.com. If you are an insurance agent and can write homeowners insurance in your state, visit: http://www.insuremyhouse.com/faq.html to find out about getting listed on the site.

InsureMyHouse.com provides consumers with an online homeowners insurance agent directory sorted by state and zip code.

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Petsecure pet insurance brings awareness to pet healthcare with annual contest

PRLog (Press Release) - Aug 31, 2011 - September marks the sixth annual ‘Pet Health Insurance Month’ contest, presented by Petsecure pet insurance. Along with support from national partners, Petsecure pet health insurance is reminding Canadian pet parents about the importance of pet healthcare.

“Where once the idea of pet health insurance was unknown to many Canadians, we have seen a significant increase in policyholders over the last several years as pet parents are taking that extra step to ensure that their pets can receive the best of veterinary care without the financial stress.”, says Randy Valpy, President & CEO of Petsecure pet insurance.

Pet parents like Steve Rogers, Petsecure’s grand prize winner of last year’s ‘Pet Health Insurance Month’ contest, expresses,  “After losing our puppy from an accident and not being able to pay his vet bill, we made sure that when we acquired our new pup Chase, that we would never be unprepared again. We did our research and found Petsecure to be the most recognized and the leader in pet health insurance. Petsecure has given us the peace of mind that all pet owners should have and the security that all pet owners deserve.”

Petsecure pet insurance is launching their Pet Health Insurance Month contest at participating veterinary clinics across Canada and online at www.petsecure.com. With support from Dyson, PetLynx, Ducks Unlimited Canada, Dogs in Canada magazine, Modern Dog magazine, the Farley Foundation, the Canadian Kennel Club and London Drugs, one lucky winner will win the grand prize valued at over $4,000 with one year of coverage with Petsecure, a 42” Sony LCD TV, two Dyson Animal vacuums, an iPod nano and much more. Second and third prizes include Dyson Animal vacuums, plus 25 online instant win prizes!

For more information about Petsecure pet insurance and the ‘Pet Health Insurance Month’ contest, visit: www.petsecure.com

Petsecure pet insurance, the core brand of Western Financial Insurance Company, is a wholly owned subsidiary of Western Financial Group. Petsecure is Canada’s oldest and largest pet insurance provider with over 20 years of offering innovative pet insurance to Canadian pet parents. Petsecure has two unique pet insurance options to choose from; Petset which offers basic, value-priced coverage or Secure For Life™ which offers the most comprehensive coverage in Canada. Petsecure also offers dental coverage and special coverage including alternative treatments, behavioural therapy and medical devices. Petsecure is the only pet health insurance provider in Canada to offer their exclusive Secure For Life™ guarantee.

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One Fifth Of Long Term Care Insurance Claims Result Of Alzheimer's

PRLog (Press Release) - Aug 31, 2011 - Approximately 200,000 Americans receive benefit payments as a result of owning long term care insurance and a new study reveals the top causes of requests for claims.

"Insurers paid out $6.1 billion in benefit payments last year," states Jesse Slome, director of the American Association for Long Term Care Insurance.  "The majority of new claims are for care in the policyholders own home or in an assisted living community."  Nursing home care accounts for about one in four new individual claims.

A new report issued by the Society of Actuaries examined the causes or reasons for new claims.  "Nearly one in four claims was initially attributable to Alzheimer's disease," Slome who is one of the nation's leading long term care insurance experts explains.  

Roughly one-in-10 new claims was the result of one of four conditions: stroke (9%), arthritis (9%), injury (9%) or circulatory problems (9%).  Other causes for claims were cancer (8%), nervous system (6%) or respiratory issues (5%).

Claims against long term care insurance policies tend to be initiated at older ages typically after one reaches age 80.  "People in their 50s and 60s may require long term care as a result of an injury," Slome adds.  "You'd be surprised how many men fall off roofs or out of trees and take eight or nine months to recover."

While most typically don't need long term care until older ages, the Association recommends planning begin between the ages of 52 and 64.  "That is the best age to start planning because costs are lowest and you don't risk being declined because of existing health conditions," Slome explains.  "After Medicare kicks in people start seeing more doctors and their diagnosis can be the cause of an outright decline for this protection."

Financial planning experts advise those seeking to learn more about long-term care planning and get long-term care insurance cost contact a designated expert via the Association's Consumer Information Center at http://www.aaltci.org/long-term-care-insurance/free-quote/.

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elephant.co.uk reveals Scottish drivers like to make it personal

PRLog (Press Release) - Sep 02, 2011 - Motorists living in Scotland are the most likely to own a personalised numberplate new research by elephant.co.uk has revealed. And the plates are odds-on to be seen adorning the bumpers of luxury cars such as Bentleys, Ferraris and Aston Martins.

Car insurance (http://www.elephant.co.uk/ ) specialist elephant.co.uk looked at 3.5 million policies and found that of the top 10 postcodes where personalised plates are popular, eight are in Scotland, with the affluent settlement of Kilmacolm in Inverclyde at the top of the list. 14% of drivers there own a personalised plate compared to a national average of 4%.

In second place we move to the other end of the country to the millionaire’s playground of Sandbanks in Dorset (13%), but then in third place it’s back up north with the prosperous Glasgow commuter area of Newton Mearns (12%). Also in the top 10 are a number of postcodes in and around Aberdeen, with North Ferriby in Humberside joining Sandbanks as the only other location outside of Scotland.

Brian Martin, managing director of elephant.co.uk, said: "Considering the affluent areas around the country where we see the highest proportion of personalised number plates, it certainly looks like they’re used as a status symbol.

"However, it's hard to say why they’re so popular in Scotland specifically. Maybe Scottish motorists look to express their individuality more than those in the rest of the UK."

When it comes to what cars the personalised plates appear on, it's perhaps no surprise that owners of luxury models are the most likely to splash out on them. In fact, the whole top 10 list is made up of prestige motors. Most popular is the Bentley Continental, with 36% carrying a personalised plate. This is followed by the Ferrari 360 and Aston Martin DB7 (both on 35%).

Brian continued: "It wasn’t a surprise to see that prestige models dominate the list, however, it was surprising to see that such a large number of Bentley Continental, Ferrari 360 and Aston Martin DB7 owners splash out on personalised plates. Drivers of those cars definitely want to stand out from the crowd."

When it comes to occupations, elephant.co.uk found that Company Chairmen are head and shoulders above the rest with 16% owning one, followed by Bank Directors on 12% and Property Developers on 11%.

elephant.co.uk also looked at those areas, occupations and vehicles with the lowest percentage of personalised plates. The Hilborough and Northwold area near Thetford, Norfolk was revealed as the area of the UK with the lowest percentage of cars with personalised numberplates, croupiers were the occupation at the bottom of the list whilst the Suzuki Liana is the vehicle least likely to have one attached to it.

Notes to Editors:
elephant.co.uk looked at postcode areas, occupations and vehicles where there was a sample of at least 200 motorists.

About elephant.co.uk:
elephant.co.uk was launched in August 2000 and has over 485,000 customers. elephant.co.uk is a trading name of EUI Limited and is part of the Admiral Group plc.

elephant.co.uk specialises in providing online car insurance on the Internet. elephant.co.uk targets 17-35 year-olds living in cities, who traditionally pay higher premiums for car insurance elephant.co.uk is proud to support Tusk throughout 2011.

elephant.co.uk writes its motor insurance business to a consortium of insurers, these being: Admiral Insurance Company Ltd, Admiral Insurance (Gibraltar) Limited and Great Lakes Reinsurance (UK) plc.

PR Contact:
James Carnduff
Elephant.co.uk
Capital Tower
Greyfriars Road
Cardiff
CF10 3AZ
029 2043 4333
www.elephant.co.uk

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Insurance Expert Jane Pytel Introduces 1 Hour Case Evaluation Consultations

PRLog (Press Release) - Aug 31, 2011 - Jane Pytel, a veteran of the insurance industry, has just introduced a new service, 1 hour case evaluation Claim Help Consultations.

The service is directed to consumers who have experienced long, unexplained delays, or who are on the receiving end of apparent unfair or undervalued claim settlement offers.  According to Jane, "I want to assist those people that are confused, even intimidated by the insurance claim process.  They feel they have exhausted all means, and they still cannot achieve a fair settlement for their loss."

As a result of decades of experience as a police detective, an insurance adjuster, and an insurance investigator (SIU), Jane believes she is uniquely qualified to provide claim help for those who are experiencing difficulty with their valid insurance claim settlements.  "Unfortunately, most claim delays are a result of inept or unfair claim investigations.  People need to learn to identify what is going on behind the scenes so that they can become positively involved in their claim.  More often than not, I can teach them how to take an active role in their claim, and how to get that claim under control," says Jane.

Jane understands that there is a void for those who need serious claim help without having to pay for an attorney.  "I'm interested in helping people with claim problems in a reasonable and efficient manner.  But if I determine that they really do need legal representation, I'll be the first to recommend it."

According to Jane, this is an innovative new service that is sensitive to the needs of people who need legitimate claim solutions yet who are hesitant to invest substantial sums of time and money.  " I like to think that more often than not, people can resolve claim settlement problems once they learn how to be proactive in their claim.  That proactivity gives them a better chance to take control and to move towards a fair claim settlement."

For more information on Jane Pytel's Claim Help Consultations, visit her web site page at http://www.solutionsforyourinsuranceclaim.com/Claim-Help ...

A veteran of the insurance industry, former insurance investigator, author, and insurance expert, Jane Pytel offers valuable claims advice. From books to 1 hour consultations, here are the answers to your claim problems.

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After the Storm: Use Caution When Hiring Contractors

PRLog (Press Release) - Aug 31, 2011 - As New Jerseyans clean up from the rains and flooding as a result of Hurricane Irene, Allstate New Jersey Insurance Company suggests some tips to protect you and your property from unscrupulous contractors. A good, trustworthy contractor can be your key partner in the rebuilding process.

“It is not uncommon for unscrupulous contractors to take advantage of people who have experienced a catastrophic event,” said Bill Ballinger, president of Allstate New Jersey Insurance Company. “Recovery is about partnership. It takes the government, businesses, and private citizens. So what we need is partnership, not price gouging."

According to the New Jersey Division of Consumer Affairs, New Jersey’s price gouging law automatically activated when Gov. Christie declared a state of emergency. The law deems price increases excessive if they are more than 10 percent higher than the price at which a good or service was sold in the usual course of business prior to the state of emergency.

Ten tips to avoid getting scammed:

1.   Take your time in choosing true professionals to repair your home.

2.   Get estimates from several licensed, bonded contractors.

3.   Check their credentials with the New Jersey Division of Consumer Affairs or your local Better Business Bureau.

4.   Inspect contractors’ licenses and proof of liability insurance.

5.   Get a contract or estimate in writing.

6.   Avoid paying money up-front. Some reputable contractors will require partial, up-front payment, but these pre-work payments should not exceed the cost of materials or 20 percent of the total estimate.  

7.   Follow local building codes and inspection procedures.

8.   If anyone performs unauthorized work on your house or property and demands payment, consider contacting local authorities.

9.   Do not sign over an insurance settlement check to the contractor.

10.   Immediately report any suspicious behavior to local law enforcement or the New Jersey Division of Consumer Affairs.

Consumers who believe they have been cheated or scammed by a business, or suspect any other form of consumer abuse, can file a complaint with the New Jersey Division of Consumer Affairs by visiting www.nj.gov/oag/ca/ or by calling 1-800-242-5846.

About Allstate New Jersey
Known through the “You’re In Good Hands With Allstate®” slogan, Allstate New Jersey Insurance Company and its affiliates help individuals in more than a half  million New Jersey households protect what they have today and better prepare for tomorrow through approximately 270 agents and financial representatives. Customers can access Allstate New Jersey products and services through Allstate agencies, or at allstate.com and 1-800 Allstate®. The Allstate Financial Group provides life insurance, supplemental accident and health insurance, annuity, banking and retirement products designed for individual, institutional and worksite customers that are distributed through Allstate agencies, independent agencies, financial institutions and broker-dealers.

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Kevin Smith joins Mortician's Choice (experts in Funeral Insurance Funding) as Divisional President

Morticians Choice Logo - Color - JPGPRLog (Press Release) - Sep 01, 2011 - Mortician's Choice - Experts in Insurance Assignment Funding for the funeral profession proudly announces that Kevin Smith has joined as our Divisional President.  

Kevin brings his years of experience in this focused industry to our customer-centered insurance funding service, creating the opportunity to serve funeral professionals in an unparalleled way.  "It's all about serving the customers!  With our Non-Recourse funding program (which is huge in the industry), funeral directors and morticians don't have to be concerned about being paid for the services they provide.  When we verify the insurance policy and fund, there is no longer any collection issue as funding typically takes place within 24 hours," stated Smith in his introductory remarks on day one.  "Beyond being a Non-Recourse funder, our assignments are direct with the beneficiary eliminating the need to do re-assignments. We do the hard work, so you can serve your family."

Mortician's Choice has no limits as to the amount that can be funded.  Further many funeral professionals are finding that families love the ability to cash out the remainder of the policy...so instead of having to wait 45 days to get their money, by using Mortician's Choice they can get the remaining policy proceeds within 4 to 5 days.

"I have been blessed to be serving morticians and funeral professionals for a number of years in this industry, and I know in aligning with Mortician's Choice that the capacity to meet your needs and the ability to fund without limit will take our service to you to a new level!"

To begin using our services - and find out what it's like to work with the best in the industry - register your firm here

http://www.morticianschoice.com/FirmRegistration/FirmReg ...

And let's get started. "I'm excited to take on this new role and advance the service provided to funeral professional nationwide."

Kevin

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Jacquelyn Beatty at Attorney, Karr Tuttle Campbell has been selected to speak at the 2011 CLM

PRLog (Press Release) - Sep 01, 2011 - Registration for the Bad Faith Mini Conference is now open at www.litmgmt.org/bf2011.The Bad Faith Mini-Conference is an important and advanced half-day conference for industry, claim and legal professionals in the critical areas of insurance bad faith and coverage.  Expert industry panelists and moderators will lead three interactive and dynamic roundtables focused on avoiding bad faith claims in the adjustment process, strategic decisions by carrier and counsel after suit is filed, and tactics and objectives for success at trial.  The conference also includes breakfast remarks by Charles O’Connor, Senior Vice President and Manager of Commercial Market Liability Claims for Liberty Mutual Group.

Jacquelyn Beatty, a CLM Co-Chair for Washington State, is a shareholder with the Seattle, Washington firm Karr Tuttle Campbell, where she chairs the Insurance and Appellate Practice groups. She has litigated insurance coverage and bad faith cases on behalf of insurers, corporations, and government entities for over twenty years. Her experience also includes the defense of construction defect, toxic tort, professional malpractice and employment practice matters, and general commercial litigation. She graduated from the University of Washington School of Law with Honors in 1987 and holds undergraduate degrees from Brown University and Columbia University School of Nursing. She earned her CPCU and ARM designations in 2003 and 2004, and in 2010 and 2011 was voted one of Washington’s Top Fifty Women Attorneys. Ms. Beatty has successfully represented insurers in published and unpublished cases including Polygon Northwest Co. v. American National Fire Ins. Co. et al., 143 Wn.App. 753 (2008); Humleker v. Gallagher Bassett Services Inc. et al., 159 Wn. App. 667 (2011); Certain Underwriters at Lloyd’s London v. Valiant Ins. Co., 155 Wn.App. 469 (2010); and American Guarantee & Liability Ins. Co. v. Westchester Surplus Ins. Lines, 334 Fed. Appx. 839; 2009 U.S. App. LEXIS 12586 (Ninth Cir. June 11, 2009). She is Martindale Hubbell AV Pre-eminent rated.

About the Council on Litigation Management
The Council is a nonpartisan alliance of thousands of insurance companies, corporations, general counsel, risk managers, claims adjusters and attorneys. Through education and collaboration, its goals are to create a common interest in the representation by firms of companies, and to promote and further the highest standards of litigation management in pursuit of client defense. To learn more about the Council, please visit www.litmgmt.org
Contact: Adam Potter, Executive Director
Council on Litigation Management
212-724-2345

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Free Credit Report Online - How To Get An Equifax Free Credit Score Report

PRLog (Press Release) - Sep 03, 2011 - Credit profiling isn't just limited to lenders. Some other companies, for example insurance underwriters, telephone companies, landlords, business employers, govt sections and local government bodies employ the exact same methods. Credit profiling additionally has lots of overlap with information exploration, which uses similar methods. There are actually resemblances with the market research business as well as with data processing specifically. When seeking an Equifax alternative free credit score report never fail to bear in mind this has once more been recorded on your own financial profile.

Get your Free Credit Report - http://www.debtconsolidationcc.com/credit-counseling.html

Banks don't have to reveal their credit rating methodology, nor do they have to say the lowest score necessary for the consumer to be approved. Merely owing to this lack of information to the end user, it is impossible for an enquirer to discover beforehand if they should meet a company's credit scoring demands. Hence the merit of seeking an Equifax alternative free credit score report in the first instance, to see if this application would be approved or rejected.

The Online World gives us many more liberties and options than any other time, however, with this there can be countless threats. Though most of us enjoy effortless access to virtually any material we wish, there will be those people who are as enthusiastic to acquire things that do not belong to them. For this to happen they need to steal the identities of others. That is because their acts may appear plausible, at least for a while, but also because they do not want the guilt after the fraud is discovered. When a person's I.D. is simplified to a series of digits and functions it ends up being a commodity like another. Only an Equifax alternative free credit score report will offer any sort of defence or security.

Online crime along with its related menaces plays a progressively more perilous part in each of our lives. No one wants their identity compromised but this is the avowed goal of numerous Internet criminals, and many of these are growing very good at it. In order to be ahead of the criminals, folks are seeking for an Equifax alternative free credit score report hoping that the problem of Identity fraud will not happen to them. When you need a system which can provide protection from Identity theft along with credit reports then this kind of system is already available.

Get your Free Credit Report - http://ficofreecreditreport.info

Get your Free Credit Report, FICO Scores, and Free Identity Protection. Monitor your credit rating online.

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Jackie Shaw promoted to Agency Operations Manager at Tim Shaw Insurance Group

Jackie Shaw has been promoted to Agency Operations Manager at Tim Shaw Insurance Group, Inc. She handles agency operations, including strategic planning, workflow, human resources, budgets, facilities, and supports sales and marketing activities.

Jackie Shaw, Agency Operations ManagerPRLog (Press Release) - Sep 02, 2011 - Jackie Shaw has been promoted to Agency Operations Manager at Tim Shaw Insurance Group, Inc.  Mrs. Shaw is responsible for all day-to-day business operations of the agency, including strategic planning, oversight and management of policies and procedures, workflow, human resources, operational budgets, and facilities, as well as support of all sales and marketing activities. She holds a General Lines Property and Casualty insurance license since 1994 and has been a lifelong resident of Lee County.  

Tim Shaw Insurance Group, Inc. is a Florida licensed general agency serving Southwest Florida since 1974 with property, liability, auto, health, life, annuity, and IRA products for both individuals and businesses.

Over the years Tim Shaw Insurance Group has continued to evolve into a trusted coverage leader, with impeccable service and commitment to its clients—qualities that have helped the company grow into a well respected Florida insurance resource.

Tim Shaw is a 2011 Gulfshore Life Five-Star Home/Auto Insurance Professional and leading area authority on insurance. For more information, visit http://www.timshaw.com.

# # # DOLAN MARKETING SERVICES, INC.

Marketing, Advertising, Public Relations and Copywriting

Full service marketing company providing first-rate marketing, advertising, public relations, copywriting, branding, and website services to businesses.

Let us show you how to get more publicity for your business. Visit http://www.dolanmarketing.com/ for more information.

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***@dolanmarketing.com operations, agency, insurance, Property, auto, liability, Health, life, annuity, ira, Tim Shaw, manager, strategicDisclaimer:   Issuers of the press releases are solely responsible for the content of their press releases. PRLog can't be held liable for the content posted by others.   Report AbuseMore...

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Confused.com finds UK drivers are divided on government's new roadworks idea

PRLog (Press Release) - Aug 31, 2011 - Confused.com has polled 2000 drivers, asking their opinions on a new idea from the UK government which could help tackle the problem of roadworks and the resulting traffic jams. The proposal suggests that utility companies could pay a 'lane rental' fee to the council if they choose to dig up the road during busy times*.

UK motorists are divided on the proposal with almost half(49%) saying it's a good plan and that they can't wait to see it happen and the other half (48%) feeling that it's not a good idea because utility companies who choose to pay the bills will pass these costs onto the consumer. The remainder were undecided.

Gareth Kloet, Head of Car Insurance at Confused.com said: "If these proposals reduce traffic jams then car owners will have something to smile about. Financially it’s been a tough few years for drivers. Consumers are paying an average of £858 for annual comprehensive cover, having seen an increase of £22 in just three months and £170 over 12 months**. Car owners really deserve a break and roads that run freely will be welcomed by anyone regularly blighted by queues.

"The 'lane rental' fees could be a good incentive for companies to complete  jobs more quickly reducing the potentially dangerous and infuriating situations that roadworks can create."

Lisa Greenfield, Energy expert at Confused.com added: "With UK energy companies having recently hiked up their prices, the last thing that customers want is any sort of extra 'tax' which may end up being paid by the customer. If this proposal goes ahead then UK households will be hoping that utility companies choose to work outside of peak hours and not pay the charges because any further hikes in utility costs would be unpleasant.".

Regionally, Londoners are most in favour of the plans with more than 52% agreeing that they are a good idea.

Notes to Editors:
The poll of 2000 drivers in the UK was carried out by Onepoll on behalf ofConfused.com and all figures have been rounded up to the nearest 1%

*See: http://www.dft.gov.uk/news/press-releases/dft-press-20110822 for more details
** Source: Confused.com/Towers Watson Car Insurance Price Index Q2 2011

About Confused.com:
Confused.com was the UK's first car insurance price comparison (http://www.confused.com/ ) site. Confused.com is one of the biggest and most popular price comparison services. Launched in 2002, it generates over one million quotes per month. It has expanded its range of comparison products over the last couple of years to include home insurance, travel insurance, pet insurance, van insurance quotes (http://www.confused.com/van-insurance ), motorbike insurance quotes (http://www.confused.com/motorbike-insurance ), breakdown cover and energy, as well as financial services products including credit cards, loans, mortgages and life insurance.

Confused.com is not a supplier, insurance company or broker. It provides a free, objective and unbiased comparison service. By using cutting-edge technology, it has developed a series of intelligent web-based solutions that evaluate a number of risk factors to help customers with their decision-making, subsequently finding them great deals on a wide-range of insurance products, financial services, utilities and more. Confused.com's service is based on the most up-to-date information provided by UK suppliers and industry regulators.

Confused.com is owned by the Admiral Group plc. Admiral listed on the London Stock Exchange in September 2004. Confused.com is regulated by the FSA.

PR contact:
Helen Beckett
Confused.com press office
Friary House
Greyfriars Road
Cardiff
CF10 3AE
029 2043 4382
www.confused.com

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Free Annual Credit Report and Prime Rate - Download your Free Credit Report

PRLog (Press Release) - Sep 06, 2011 - Getting a loan at a prime rate in today's economy is impossible. However, if you wish to get an interest rate that is close to the prime rate, you should consider evaluating your free annual credit report to understand where you stand. A free annual credit report and a current prime interest rate are the key things you need to have knowledge about when figuring out what interest rate your loan is going to gather. Current prime interest rate is originally a term which is used to describe the rate of interest applicable for customers who are favoured by banks on the account of their high fiscal credibility.

You can get a free annual credit report from your bank. They will provide it to you at no extra cost and will bring you up to speed with the prime rate in the market as well. Once you have that information handy, you need to study your annual report. If you do not have the skills to analyze the report and understand what rate of interest you may get when taking a loan, it is advisable that you seek the advice of a loan provider or a financial consultant.

Get your Free Credit Report - http://ficofreecreditreport.info

With an annual credit report a consultant will be able to match the two and help you arrive at a rate of interest that your credit standing is worthy of. You may or may not be happy with the figure, but you will have to live with it. There are ways to work on your credit rating to ensure that you get the prime rate of interest, but that will involve some effort from your side and guidance through a financial consultant.

Do not wait until it is too late to get your annual credit report. Instead, ask for the report on a regular basis from your bank or many other agencies that can help you monitor your credit. Credit monitoring may come to you with a small fee, but it is worth getting it in the long run. This will allow you to be updated with your financial standing on a regular basis so that you can make adjustments and rectify errors to improve your credit rating.

When you have a good rating with the help of an annual report and prime rate knowledge, you can get the best interest rates that will work in your favor. Why pay extra money when you can easily get the prime rate by paying a little attention to your report on a regular basis

Get your Free Credit Report - http://www.creditcardbankaccount.com/free-credit-report.html

One stop resource website of credit, loan, insurance, mortage and bank account services to help you save money.

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benefitsCONNECT® Announces Their New billingCONNECT Product in Partnership with AmeriFlex

PRLog (Press Release) - Aug 31, 2011 - Elk Grove, CA – benefitsCONNECT® announced at their 3rd Annual Benefits Technology Users Summit the launch of billingCONNECT, a new service offering that reduces time spent on the labor-intensive tasks associated with reconciling carrier invoices each month. The billingCONNECT team will receive a client’s invoices, audit them against enrollment data in the benefitsCONNECT system, and then provide the client with employee-level reporting that details all amounts owed. If there are discrepancies or errors, billingCONNECT will work with the carriers to resolve those issues. Once the client has been provided with a monthly report of all amounts owed, billingCONNECT will ensure that the carriers are paid promptly.

The billingCONNECT team will serve as the single point of contact for all vendors and carriers, and ensure payments are made only for covered participants. They will also identify and resolve enrollment and premium discrepancies, thus reducing or eliminating the loss of premium by overpayment that can occur when managing multiple vendors.

"Partnering with benefitsCONNECT was a natural fit for AmeriFlex," said Scott Mardis, SVP Business Development for AmeriFlex. "Combining our award-winning flex and COBRA products with a recognized leader in benefits administration technology will enable us to meet a specific market need through one consolidated offering: billingCONNECT. Given the complexities present within the health care industry today, it is more important than ever that brokers and agents be able to deliver real value to their clients. We believe that billingCONNECT is the perfect vehicle for them to differentiate themselves from their competition while expanding and retaining blocks of business."

“By offering the billingCONNECT service, we continue to grow the list of ancillary services that brokers can use to provide value to their employers.  billingCONNECT will help streamline the process of billing reconciliation and let HR administrators focus their time on other tasks,” says Ja’Nene Kane, President/COO of benefitsCONNECT®. “The AmeriFlex team has always been a strong partner, and we are proud to offer their flex administration services.  The great thing about the offering is that it provides a lot of flexibility to the broker/employer as to how they would like to meet their needs.”

About AmeriFlex
Established in 1998, AmeriFlex is an independent third-party administrator providing technology-based, consumer-driven benefits and compliance solutions. AmeriFlex is headquartered in Frisco, Texas, and serves more than 18,000 clients that represent more than 3.5 million participants nationwide. For the past six consecutive years (2005-2010), AmeriFlex has been named “Best TPA” in Benefits Selling magazine’s annual “Readers’ Choice” awards. For more information, visit www.flex125.com or e-mail info@flex125.com.

About Transcend Technologies Group, Inc.
Founded in 2001, Transcend Technologies Group, Inc. (dba benefitsCONNECT®) is a privately held company that specializes in Internet-based software applications for the health insurance and benefits industry. Transcend licenses benefitsCONNECT® for benefits administration and online enrollment and benefitsCONNECT® agencyMANAGER for agency management functionality, and has established clients in 43 states who entrust their book of business to benefitsCONNECT® products. For additional information, visit www.benefitsCONNECT.net, or contact Sales at 916-421-4000 or sales@benefitsCONNECT.net.

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IHT launch International Private Medical Insurance Magazine IPMIM

PRLog (Press Release) - Sep 06, 2011 - INTERNATIONAL PRIVATE MEDICAL INSURANCE ONLINE NEWS MAGAZINE

http://ipmimagazine.com

International Healthcare Technology, the leading online healthcare news group, announced today the official launch of International Private Medical Insurance Magazine IPMIM, an online resource for Expat Health Insurance, Corporate Healthcare, Private Medical and Health Insurance Professionals worldwide.

EXPATRIATE HEALTH INSURANCE

Serving business, expatriate, leisure, travel and reinsurance markets worldwide, IPMI Magazine provides a regular travel and health insurance news feed, backed up with health and travel insurance industry articles of interest.

IPMI Magazine delivers further contents and online supplements including Expat Life; a dedicated section that focus' on how to manage the life cycle of an expatriate.

PRIVATE MEDICAL INSURANCE NEWS

IPMI Online Insurance Magazine provides a wealth of breaking international and national private medical insurance news. Keep your finger on the pulse of the private medical insurance industry with regular updates of private medical insurance news for expatriates, leisure travelers, medical tourists, employers, employees, corporate groups and individuals.

REINSURANCE NEWS

IPMI Online Insurance Magazine provides a wealth of breaking international and national reinsurance news. Keep your finger on the pulse of the reinsurance industry with regular updates of reinsurance business news and industry developments. As natural and man made disasters, and civil unrest increases, the demand on the reinsurance industry is massive. Counting the costs of war, floods, famines, acts of terror and a new breed of civil unrest, IPMI Magazine reports from the heart of the reinsurance industry, with important reinsurance news, updates, events and articles.

http://ipmimagazine.com

PRIVATE MEDICAL INSURANCE NEWS

IPMI Online Insurance Magazine provides a wealth of breaking international and national private medical insurance news. Keep your finger on the pulse of the private medical insurance industry with regular updates of private medical insurance news for expatriates, leisure travelers, medical tourists, employers, employees, corporate groups and individuals.

http://ipmimagazine.com

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Read How Tree Selection and Location Influence Tree Risk Assessment in the Urban Area

PRLog (Press Release) - Aug 01, 2011 - Jeremy Rappoport, President and founder of Rappoport Development Consulting Services LLC, has recently posted a new article to the company website entitled "How Tree Selection and Location Influence Tree Risk Assessment in the Urban Area".  The article's focus is on trees used in the urban interface and how their location and selection influences their long term success or failure.

Due to the close proximity of trees in the urban landscape, tree failures often result in personal injury and/or property damage.  What the cause or why a tree failed is an important factor in tree accidents and related lawsuits.  

The damage caused by a tree part or whole tree failure resulting from an extreme climatic event such as a hurricane or tornado may be viewed and defended as an "Act of God", a natural, unavoidable or unforeseeable catastrophe that interrupts to expected course of events.  However, with increased understanding of tree mechanics, biology and structure, tree hazards and inherent risks can be identified and a prescribed course of action can reduce the tree risk.

Property owners are liable for the trees on their property.  It is an owners' legal "duty of care" to properly inspect and ascertain if their trees may be causing a foreseeable problem or risk.  When an owner identifies a possible hazardous tree condition, they recognize their responsibility to have a tree professional perform a tree risk assessment.

Tree risk assessments are undertaken when an owner recognizes that their tree(s) have potential to cause damage or injury.  The assessment is intended to:

• limit the amount of risk to people in the vicinity of trees.
• limit the amount of risk to important property in the vicinity of trees.
• limit the amount of risk associated with owning trees.
• identify the highest risk trees that require immediate attention.
• recommend actions required to reduce the risk to an acceptable level.

Mr. Rappoport writes about the importance of tree selection and location in the urban landscape, and how a good tree in the wrong location can become a "risky" tree as it ages and matures.  

"Far too often, the tree selection fails to properly match the cultural growth requirements of a tree with the correct location. Somewhat like trying to pound a square peg into a round hole. Since trees are long-lived organisms, the growth characteristics that make a tree unsuitable for a location do not manifest for ten or twenty years.

Homeowners typically make the mistake of not understanding the growth characteristics of trees. Or, they assume the tree wiil not be around twenty or thirty years later. So, a small pine tree planted near the neighbors property line doesn’t become a problem until two decades later when the tree roots encroach into the neighboring residence and the tree crown extend over the property line. These conditions create tree hazards that increase the risk and potential liability to property owners. "

To read the full article, visit http://www.landscapeexpertwitness.com/articles/PDF/Tree- ...

Jeremy Rappoport, President and founder of RDCS LLC provides landscape, arboriculture, horticulture, and land development expert witness consulting services for attorneys and insurers as well as professional consulting services for residential and commercial property owners, HOA's, and property management companies.

As a certified arborist and tree risk assessor, Mr. Rappoport provides tree risk assessments, tree health assessments, tree inventory and management plans for all size properties and uses.

Mr. Rappoport is an ISA certified arborist, #WE-9083A, as well as a certified tree risk assessor, #CTRA 1220. Mr. Rappoport is a C-27 California landscape contractor, #436000 and a professional Horticulturist, with a Bachelor of Science degree in Ornamental Horticulture from California State Polytechnic University, Pomona.

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Kitchener Resident Wins $100 Gas Card from Kanetix

PRLog (Press Release) - Aug 09, 2011 - Toronto, ON, Kitchener, Ontario resident Catherine Kan is the winner of the Kanetix.ca Twitter $100 Gas Card Contest. The contest lasted for 10 days allowing Kanetix Twitter followers to enter the contest on a daily basis.

This contest was administered over Twitter and it was the second contest of its kind for Kanetix - a quote comparison website for a variety of insurance and financial-related products.

When contest winner Kan learned she was randomly selected and declared the official winner, she was excited that she was chosen out of hundreds of Kanetix Twitter followers who entered the contest.

"I honestly can't believe I won Kanetix's gas card contest. I entered the contest just for fun and to learn I actually won the contest is shocking! Gas prices have been a constant thorn in my side for the last few months and now I can finally say I'm getting some relief at the pumps," says Catherine Kan, contest winner.

Many drivers are finding it difficult to cope with rising gas prices especially in the warm summer months when many drivers travel on extensive road trips and weekend getaways. Kanetix recognized the difficulties drivers were experiencing and wanted to offer a fun and interactive way for consumers to ease the strain on their wallets.

Although gas prices continue to rise, Kanetix reminds consumers that they may be able to find other ways to reduce vehicle costs. Consumers should examine their existing auto insurance policy to ensure they are taking advantage of all available discounts. Further, customers can comparison shop on Kanetix.ca to obtain an apples-to-apples comparison of their existing auto insurance coverage relative to the competition.

About Kanetix®:
Launched in October 1999, Kanetix was Canada's first online insurance marketplace. The Kanetix marketplace has since grown to include not only online insurance comparisons, but also mortgage rates and credit cards as well, making it Canada's online insurance, mortgage and credit card comparison service.

The Kanetix comparison shopping service brings together insurance, mortgage and credit card providers in a one-stop shopping environment for consumers looking to save money. Each day, thousands of consumers visit the Kanetix website at www.kanetix.ca to compare insurance quotes, mortgage rates and credit cards from a variety of Canadian financial product suppliers. Users select the product of their choice, obtain a quotation and complete an online application or, with the help of Kanetix, connect with the provider to purchase or apply for the product over the phone.

For more information, visit Kanetix.ca or contact: Kanetix Ltd., publicrelations@kanetix.ca.

Contact:
Colin Woods
Kanetix Public Relations
20 Camden Street
Toronto, ON, M5V 1V1
416-599-9779
pr@kanetix.ca
http://www.kanetix.ca

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Capitol Financial Solutions Welcomes New Associate to Raleigh Office

Robert C. Turner, CLU, President & CEO of Capitol Financial Solutions (CFS), is pleased to welcome new financial representative, Bryan Ward, to the firm.
Bryan Ward, Registered RepresentativePRLog (Press Release) - Aug 09, 2011 - Robert Turner, President & CEO of CFS is pleased to welcome new financial representative, Bryan Ward, to the firm. CFS is a financial services firm based in Raleigh that provides clients with a dynamic opportunity encompassing an open architecture of financial service offerings; value-added support services; and a strong team of financial professionals and advisors.

“We are excited to have a talented professional, such as Bryan, join Capitol Financial Solutions. We pride ourselves on the high caliber of our financial representatives and believe that these individuals will devote themselves to helping clients reach their financial goals,” said Turner.

Ward is a 2011 Magna Cum Laude graduate of East Carolina University where he obtained his B.S. in Finance.  Currently, Ward holds his life/health license as well as the Series 6 and Series 63 securities licenses.

Securities and Investment Advisory Services offered through Signator Investors, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 197 Clarendon Street, Boston, MA 02116. Offering John Hancock insurance products as well as products of multiple insurance carriers. Capitol Financial Solutions is independent of Signator Investors, Inc. and John Hancock.  201-20110808-80628

# # # Capitol Financial Solutions has a team of over 80 experienced professionals who are licensed and trained to help their clients achieve their financial goals. The firm’s reputation is based on the strong relationships formed with clients in combination with a commitment to service excellence. CFS provides clients with a dynamic opportunity encompassing value-added support services, an open architecture of financial services offerings, and a strong, ever-growing team of financial professionals and advisors. For more information, please visit http://www.capfs.com/.
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Kenexa conducts Allianz Group’s employee engagement survey

PRLog (Press Release) - Aug 10, 2011 - Kenexa (NASDAQ:KNXA), a global provider of business solutions for human resources, is conducting an annual employee survey to allow Allianz Group, one of the world’s leading financial services providers, to obtain comprehensive feedback from employees through a globally consistent process.

In 2010, Kenexa’s standardised survey - which provides a single global measurement for engagement and leadership culture - was offered in 23 languages to more than 106,000 employees in 69 subsidiaries, across more than 70 countries. The survey covers leadership behaviour, engagement, strategic orientation, communication and collaboration, diversity, customer focus and innovation.

Blanca González Miranda, Project Manager of the global engagement survey, said: “The standardised survey allows us to compare the results from individual Allianz companies on an equal footing.”

Kenexa manages all the administrative aspects of running the survey. It also analyses the responses, presents the key findings and provides multilanguage reports. Allianz’s subsidiaries use the survey results to create and implement their own action plans.

Christian Finckh, Chief Human Resources Officer of Allianz Group, said: “We believe that employee engagement has a strong influence on the performance of a company and its customer orientation. With the engagement survey we aim to further strengthen our global leadership values and develop a corporate culture that fosters excellence for all our stakeholders.”

Ritu Mohanka, Managing Director of Kenexa’s survey business in EMEA, added: “Through this survey, we’re helping Allianz Group to better understand what motivates and engages its employees and how they feel about working for Allianz. The results provide a foundation for achieving high performance. Using globally-accepted, consistent measures of leadership culture and engagement, we can benchmark their scores internally and externally against high performing financial services companies.”

About Allianz Group

Allianz Group is one of the leading financial services providers worldwide and was founded in 1890. www.allianz.com

Kenexa (NASDAQ:KNXA) helps drive HR and business outcomes through its unique combination of technology, content and services. Enabling organisations to optimise their workforces since 1987, Kenexa’s integrated talent acquisition and talent management solutions have touched the lives of more than 110 million people.

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QUINN-direct Nationwide Survey Reveals a Number of Intersting Stats

PRLog (Press Release) - Aug 09, 2011 - One in three people admit to being a passenger in a car while the driver was under the influence of drugs or alcohol, QUINN-direct nationwide survey finds

A nationwide survey of 1000 adults commissioned by QUINN-direct Car Insurance Ireland has revealed that over a third (36%) of Irish people has been a passenger in a car where the driver was under the influence of drugs or alcohol. Males, those aged 45+ and living in Connaught or Ulster are most likely to be the offenders.  People aged 35-44 and living in Dublin were least likely to be under the influence of drugs and alcohol.

The survey found that one in five people admit to having driven a car while under the influence of drugs or alcohol. Once again, this figure is significantly higher amongst men (28%) and those over the age of 45 (26%). Women (10%) and people aged 16-24 (7%) were least likely to have driven under the influence of drugs or alcohol.  Munster people were more likely than those in any other province to have driven while under the influence (21%).

Almost three quarters of the Irish population have experienced anger or rage while driving
The research, which tested Irish people’s attitudes to driving and their driving habits, highlighted that the majority of Irish drivers (71%) experienced anger or rage whilst driving. A large percentage of men (78%) say they have experienced rage or anger behind the wheel and a significant percentage of women felt the same (64%). Incidences of rage are highest amongst those aged 24-44 but affected people around the country irrespective of location.

Over a half of Irish adults continue to use their mobile phone whilst driving
Over half (52%) of Irish adults said they used their mobile phone while driving to make or receive calls (without the use of a headset/bluetooth). Females were slightly more likely (34%) than men (32%) to use their phone while driving and those in the 35-44 age group were most likely to be the offenders (64%).

Two thirds of Irish drivers have broken the speed limit in the last 12 months
Two thirds of Irish drivers admit to having broken the speed limit in the last 12 months (66%). 75% of men and 66% of females admitted they had broken the speed limit – 73% of those in Munster compared to 64% in Connacht and Ulster, and 65% in Dublin. Those aged between 35 and 44 were most likely to have broken the speed limit.

QUINN-direct has created a series of road safety tips, for further information specifically regarding road safety, please visit; www.rsa.ie. Following these tips will ensure our roads are safer as well as instigate other benefits such as lowering car insurance rates.

1. Don't use your mobile phone whilst driving
Making or receiving a call, even using a hands-free phone, could lead to an accident.

2. Belt up in the back
In a collision, an unbelted rear seat passenger can kill or seriously injure the driver or a front seat passenger.

3. Alcohol, drugs and driving
Alcohol and both illegal and prescription drugs (including cold remedies) can impair your driving. It is never ok to drive when you have taken drugs. Be a safe driver and don't drink and drive.

4. Slow down
Take extra care outside schools and parks and other places where there may be more pedestrians around. Don’t forget children often act impulsively and many will be “trick or treating” this Halloween.

5. Take a break
Tiredness is thought to be a major factor in more than 10% of road accidents. Plan to stop for at least a 15 minute break every 2 hours on a long journey this bank holiday.

6. Anticipate
Observe and anticipate other road users. Use your mirrors regularly and don't forget to glance into your blind area before altering your course.

7. Use child seats
Child and baby seats should be fitted properly and checked every trip.

8. Keep your distance
Always keep a safe distance from the car in front.

9. Check your tyres
With the weather changing, it is important to ensure that your tyres are roadworthy for winter.

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Maloney Joins Hassett & Donnelly in Hartford Office

PRLog (Press Release) - Aug 08, 2011 - HARTFORD, Conn. – Hassett & Donnelly, PC, an insurance defense trial practice firm, announced today that Danielle M. Maloney of West Simsbury, Connecticut, has joined the firm as an attorney in its new Hartford office.

Ms. Maloney’s practice will focus on the defense of general liability claims, including premises liability claims and construction site injury claims.  She previously served as a senior litigation associate at Tucker, Heifetz & Saltzman, LLP in Boston and as a litigation associate at Smith & Duggan, LLP of Boston.

Prior to entering private practice, Ms. Maloney served as a law clerk to the Justices of the Superior Court of Massachusetts.  She also clerked for Roche, Heifetz, Murphy & Wholley of Boston and interned for Magistrate Judge Robert B. Collings, United States District Court for the District of Massachusetts.

Ms. Maloney earned her law degree from the New England School of Law in Boston after earning her bachelor’s degree from Trinity College in Hartford.  While at New England School of Law, Ms. Maloney served as an executive editor of the New England Law Review.

About Hassett & Donnelly, P.C.
Hassett & Donnelly, P.C. is a law firm with offices in Worcester, Mass., and Hartford, Conn., concentrating in complex civil litigation; product liability and toxic tort litigation; insurance coverage; and construction.  For more than 35 years, Hassett & Donnelly has been committed to meeting and exceeding the needs of its clients.

Kowal Communications provides results-oriented public relations services primarily to financial service, professional service and healthcare clients.

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Insurance Agents - Compare Insurance Agents in Your Community

Insurance agents are not sneaky salespeople. They are certified insurance agent professionals to help you find the correct insurance coverage for your auto, home, business and more.
PRLog (Press Release) - Aug 10, 2011 - Almost all insurance agents have your interest at hand.  The majority of them are there to assisit you with whatever kind of insurance you are shopping for whether it is health, life, auto, homeowners, you can always opt to find a local agent in your area for piece of mind.  InsureMyHouse.com helps you find insurance agents by zip code and working in your city.  Agents register based on the location they want to represent which typically is within a ten mile radius of their business location.  

Through InsureMyHouse.com's find an agent tool, you can easily spot an agent doing business in your area.  Their directory is sorted by state and then by zip code.  Many agents will help you save on coverage with a simple multi-policy discount by combining your auto and home insurance.  There are several benefits of getting to know your local insurance agent. Some advantages and benefits include getting a policy setup in person or over the phone, getting advice on home insurance coverage depending on your location and if you ever have to file a claim, they can come over and evaluate damages in person.    

Consumers looking to find insurance companies today and save hundreds of dollars on your coverage visit http://www.insuremyhouse.com/insurance-agents.html.

# # # InsureMyHouse.com provides consumers with an online homeowners insurance agent directory sorted by state and zip code and online since 1999.
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American Visitor Insurance Eliminates Worry for Visitors to the U.S.

PRLog (Press Release) - Aug 10, 2011 - With summer travel season in full swing, illness or injury is the last thing family visiting from abroad considers.  But with the high cost of medical care in the United States, even a minor incident could cost thousands of dollars.  American Visitor Insurance prevents those unexpected medical expenses from spiraling out of control.  By offering a wide array of visitor insurance plans to travelers to the U.S., American Visitor Insurance provides peace of mind to immigrants and their families.

American Visitor Insurance realizes that traveling anywhere without medical insurance is an enormous risk.  However, traveling to the U.S. can be even riskier financially simply because medical care is so expensive.  Parents, in-laws and other relatives, especially those with pre-existing conditions, need medical coverage that will protect them in the event of an emergency while visiting the U.S.

With a wide variety of plans to choose from, American Visitor Insurance allows travelers to pick a level of maximum coverage, type of coverage and deductible options.  American Visitor Insurance then recommends medical coverage plans to suit the individual’s needs from a variety of reputable insurance companies.  Visitors can then compare the costs of the suggested coverage plans and purchase plans directly online.

Visitor insurance plans can be purchased for a visit as short as 7 days or as long as more than a year.  By purchasing a plan from American Visitor Insurance, the visitor medical insurance will be recognized by U.S. health care providers.  Insurance claims are settled for U.S. dollars, and in the case of hospitalization, the insurance company is billed directly, removing an extra layer of work for already-stressed travelers.

“Visitor insurance is particularly important for immigrant communities, which have family members visiting them often for a few months at a stretch,” said Anil Chinniah, Director at American Visitor Insurance.  “It has been gratifying to hear from satisfied customers who have benefited immensely by these insurance plans when they are forced to visit hospitals in the U.S.”

While the U.S. has no formal requirements for visitors to provide proof of health coverage, pre-purchasing medical insurance can help demonstrate that the visa applicant has the funds to cover expenses in the U.S., a requirement for visa issuance.  Coverage can also be purchased once the traveler is in the U.S.

For more information on American Visitor Insurance or to purchase a plan online, visit www.americanvisitorinsurance.com or call 1-877-340-7910.  American Visitor Insurance is fully licensed and provides customer service 24 hours a day, 7 days a week.

About American Visitor Insurance: Incorporated in New Jersey, Crossborder Services LLC provides insurance services, with a focus on international travel, expatriates, immigrants and students. We represent several American/International insurance providers and/or insurance plan administrators. The insurance plans offered by us are underwritten by reputed insurance companies, including American International Group (AIG), Chartis, Nationwide, Lloyds and Sirius International. We provide insurance services with the objective of providing quality services for U.S. visitors and residents, global travel insurance for tourists, and medical insurance for international students and travelers.  The officers of Crossborder Services LLC are qualified and licensed to offer travel and health insurance products in New Jersey, as well as most states in the U.S.

Incorporated in New Jersey, Crossborder Services LLC provides insurance services, with a focus on international travel, expatriates, immigrants and students. We represent several American/International insurance providers and/or insurance plan administrators. The insurance plans offered by us are underwritten by reputed insurance companies, including American International Group (AIG), Chartis, Nationwide, Lloyds and Sirius International. We provide insurance services with the objective of providing quality services for U.S. visitors and residents, global travel insurance for tourists, and medical insurance for international students and travelers. The officers of Crossborder Services LLC are qualified and licensed to offer travel and health insurance products in New Jersey, as well as most states in the U.S.

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Retirement Expert Jack Phelps Outlines Key Step to Take In Order to Maximize Your Insurance Claims

Jack Phelps, TheRetirementCoach.comPRLog (Press Release) - Aug 08, 2011 - Jack Phelps, founder of The Relaxing Retirement Coach, a Retirement Coaching company, recently published a blog on his website (http://www.theretirementcoach.com) helping retirees plan for a possible insurance claim. The blog, titled “Recovering What You’re Entitled To,” suggests that readers film their assets in order to help a public adjuster maximize their insurance claim.

Jack Phelps writes, “One of the best ways to insure that you receive everything you’re entitled to under your homeowner’s insurance policy is to hire your own public insurance adjuster.  One of the challenges, however, is that even with the best public insurance adjuster, you’ll never receive what you’re entitled to if you can’t recall everything you owned that was destroyed or vandalized.”

The Relaxing Retirement Coach, Inc. provides their members with the ‘missing structure’ they need to make a seamless and relaxing transition to their retirement years so they can confidently do everything they want to do without worrying about money.  Their Relaxing Retirement Coaching Program™ provides members with a personalized, one-on-one retirement coaching relationship with constant attention to each and every detail necessary for them to consistently enjoy a relaxing retirement experience.

The entire blog can be found at http://www.theretirementcoach.com/blog/recovering-what-y ...

To learn more about The Relaxing Retirement Coach, Inc., please visit http://www.theretirementcoach.com

About Jack Phelps

Prior to developing The Relaxing Retirement Coaching Program™ back in 1994, Jack spent five years as a registered representative with Prudential Financial Services. In 1992, he received his Chartered Financial Consultant designation from The American College in Bryn Mawr, Pennsylvania. In 1989, Jack graduated from Holy Cross College in Worcester, Massachusetts with a B.A. in Economics.

CelebritySites develops a web presence based on an Online Marketing Platform. Their marketing platforms are more than just websites, they utilize the latest SEO & social media techniques allowing you to leverage online content to create business online.

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Progressive Benefit Solutions Announces Pergo as New Client

PRLog (Press Release) - Aug 08, 2011 - John McDonnell, Senior Partner and Co-Founder of Progressive Benefit Solutions, announced Pergo has joined Progressive’s family of clients. Progressive Benefit Solutions, a full-service employee benefits consulting and brokerage firm based in Raleigh, NC, will manage Pergo’s group benefits including medical, dental, life, long term disability, and voluntary worksite benefit programs.

Pergo, with 250 employees based in Garner, NC, with additional offices throughout North America, Europe and Asia creates high quality laminate flooring with fashion-forward designs and leading technology. In addition to its successful laminate products, Pergo introduced a premium hardwood product into the US market beginning in 2004.

“John McDonnell and his staff have been extremely helpful in assisting us through the transition of changing our benefit program,” says Marc Kmec, Director of Human Resources at Pergo. “The solutions John provided us and the team’s experience overall certainly made it an easy decision to work with them.”

For more information about Progressive Benefit Solutions, visit www.probenefitsolutions.com.

For more information about Pergo, visit www.pergo.com.

Hummingbird Creative Group is a creative services firm specializing in building brand identities through effective marketing, advertising, public relations, graphic design and technology services.

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Changes to NJ PIP Auto Insurance System Under Consideration

PRLog (Press Release) - Aug 09, 2011 - According to a report published in The Asbury Park Press, the New Jersey legislature is trying to find ways to deal with the rising costs of insurance premiums in the state. Rising rates are thought to be a contributing factor in the rising number of uninsured motorists across the United States.

A statement released by Marshall McKnight, spokesman for the New Jersey Department of Banking and Insurance, says that 97 percent of requested insurance rate increases are a result of personal injury protection (PIP).  The state legislature is considering a few changes to the PIP system which would decrease rates when you get a car insurance quote (http://www.getacarinsurancequoteonline.com). These changes would reduce insurance companies costs by lowering the fees paid to same-day surgery centers, reducing payment levels to alternative providers like chiropractors, and imposing caps on attorney's fees in arbitration cases. ''The goal is to control PIP costs so we do what we can to reverse this upward pressure on rates that PIP is having right now on auto insurance,'' said McKnight.

The changes would stop the use of ''diagnostic tests or practices that are not from evidence-based, clinical guidelines published in peer-reviewed journals.'' The legislation is based on sound logic. Hopefully, when costs drop, so will premiums.  Overall, lower insurance premiums will leave money in the pockets of those who need to finance a car with a New Jersey auto loan (http://www.carloaninnewjersey.com).

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Free Credit Report - Request your free credit score report today

PRLog (Press Release) - Aug 12, 2011 - Free credit report and credit score history determines what loans you qualify for and what the interest rate you pay. Take control of your credit by checking both your credit report and credit score from three of financial bureaus. Which will be always helpful for you in all your legal works and while big shopping like house, furniture, vehicle and many more.

You can have three credit reports from each credit bureau. Some times the information on each report can be very different, so it is important to review all three credit reports and credit scores regularly for your yearly accounting.
Let us see what your complete credit report includes:

Check your Free Credit Score Report - http://ficofreecreditreport.info/free-credit-report-online

1) Issued credit report from all three financial bureaus online is in an easy to read format.
2) Your credit score paired with tips for improvement.
3) All your financial information and articles to help in managing your credit.
4) Toll free customer service assistance.
Checking your Credit Report online on three of financial site is simple and secure. To get your credit report you have provide them following details like -
1 Submit all your basic contact information even if you have changed you house location with your old resident address too to request your 3-in-1 Credit Report & Credit Score.

2 Always create a username and password for your account. This will allow you to log in and access your products in the future.

3 You will need to provide a credit card number (your card will not be charged) and answer a few questions. Provide all the correct information its will get rejected if any false information is given. Once you have give all the correct information, your credit products will appear online in seconds.

Some of them don't know, checking your own credit report does not harm your credit score. Actually your credit score is nothing but a numerical evaluation of your credit risk, which is count usually on a scale of 300-850. This score is used by creditors, lenders, employers and insurers to make decisions about you.

Check your Free Credit Score Report - http://ficofreecreditreport.info/

Get your Free Credit Report, FICO Scores, and Free Identity Protection. Monitor your credit rating online.

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Breakdown Britain - Mortorist Shun Car Safety

PRLog (Press Release) - Aug 09, 2011 - Almost four out of ten (39 per cent) motorists do not know how to carry out any basic vehicle safety checks, reveals a survey out today by Quinn-direct, the young drivers insurance specialist.

The research reveals that out of the seven most common warning lights on a car dashboard, a staggering 65 per cent of motorists wouldn’t recognise any of them. This is particularly disappointing given that almost a quarter (22 per cent) admit that they don’t carry their vehicle handbook in the car with them.

Breakdown Britain’s top motoring mishaps include:

•   A quarter (23 per cent) of motorists don’t know how to check their car tyre treads
•   One in five (20 per cent) wouldn’t recognise the engine warning light if it came on
•   Almost one in five (18 per cent) don’t know how to check their tyre pressure
•   16 per cent of motorists don’t know how to check that their engine oil level is correct.

Given the low level of knowledge about warning lights and general car maintenance, it is disappointing that one in five (20 per cent) of UK drivers do not have breakdown cover. Cheap car insurance for young drivers may often contain certain cover so it’s always worth checking your policy first.

Men tend to be more switched on than women when it comes to knowing how to repair their cars – 80 per cent of women said that they have no idea how to carry out any safety checks or basic maintenance on their cars, compared to just 36 per cent of men.

Older is not necessarily wiser - almost a third of over 55s (30 per cent) say that they don’t think that they need breakdown cover, compared to only 16 per cent of 25-34 year-olds.

John McDonagh, Head of Consumer Insurance at Quinn-direct, said: “It is concerning that so many motorists do not know how to carry out basic vehicle safety checks and are unaware what the various vehicle warning lights mean.

“We would recommend to keep your vehicle handbook in your car at all times so you can refer to it should a problem arise and if car maintenance is not your speciality, make sure that you have breakdown cover in case of emergencies.”

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