Insurance Programs

The Insurance Advisor provides a diverse selection of information to help you make better insurance-related decisions for your business and your family.

• Avoid frozen pipes when the weather gets cold. - The following advice can help make this common occurrence a lot less disastrous.
  
  
• Baby Boomers and Heart Disease: What You Need to Know - Cardiovascular disease kills 950,000 Americans each year and is the leading cause of death in the United States. Baby Boomers are now at the greatest risk and need to pay particular attention to maintaining good heart health.
  
  
• Dos and Don'ts When Your Back is Hurting - Avoid sitting. If you must sit, get up and move around every 20 minutes. Sit with your knees at hip level or slightly higher than your hips. Use a small towel rolled behind your back to add support in the lumbar (waist) area.
  
  
• Can You Pass This Driver's Ed Quiz? - It never hurts to refresh your knowledge regarding safe and defensive driving techniques.
  
  
• Catastrophic illness, catastrophic costs - If catastrophic illness strikes, it is more than possible that your benefits will run out well before the medical bills stop coming. In today's high-cost health care environment, supplemental protection begins to make a lot of sense. To protect yourself and the ones you love, find out about supplemental insurance options.
  
  
• Catastrophe Major Medical Coverage - Read the historical origins of excess major medical coverage, including three sample illustrations of insurance benefits.
  
  
• Flood Insurance is Easy to Purchase - Did you know that most homeowners' insurance policies do not cover flooding? Find out how to protect your home from flood damage.
  
  
• Catastrophic Major Medical Checklist - Does your basic health insurance coverage protect your assets and financial well being should catastrophic illness or injury strike?
  
  
• 2008 Hurricane Season Predicted To Be Above Average - With the official start of hurricane season only a few days away, coastal residents need to make sure that they are properly prepared for the above average hurricane season predicted for 2008, according to the Insurance Information Institute (I.I.I.).
  
  
• Choosing Sunscreen - The American Academy of Dermatology recommends using a broad-spectrum sunscreen year round with an SPF (sun protection factor) of 15 or higher. (Insight dated June 2007)
  
  
• Cleaning Tips For Allergy Sufferers - If you suffer from seasonal allergies, consider these tips to help relieve some suffering.
  
  
• Estate Planning: Prepare for Your Family's Future Today - You may think that only the uber-wealthy need to worry about estate planning. These days, that's not the case. If you have any financial responsibilities -- such as a house or children -- you need to take steps to plan for their future and protect your estate, and those who depend on you for support and security.
  
  
• Diabetes - Tips for Prevention - Unfortunately, as you get older, your risk for diabetes increases. But there is good news: the disease can be prevented through small lifestyle changes in diet and physical activity levels.
  
  
• Glossary - Refer to the glossary when completing online applications, quote requests or when seeking clarification of a policy term.
  
  
• Emergency Preparedness Planning - Is your firm properly prepared in the event of an unforeseen emergency? Learn 10 practical tips that every small business owner should implement.
  
  
• How Much Life Insurance Does a Stay-at-Home Spouse Need? -
  With all the different roles they perform, stay-at-home spouses could be considered the CEOs of their families. Unlike CEOs, however, they don't earn an income. But that doesn't mean they don't need life insurance to cover their household contributions.
  
  
• How to Prevent Carbon Monoxide Poisoning in Your Home - Safety matters to us all- Safety matters to us all! You can prevent CO poisoning from happening in your home by reading this article and taking these basic, common sense precautions.
  
  
• Is Your Business Insured for Flood Loss? Hurricane Season Is Only 45 Days Away - Experts are predicting a fierce hurricane season. Is Your Business Insured for Flood Loss?
  
  
• Just married? Plan for your future with Life Insurance - One important task that often doesn't rank as a priority for newly married couples is the purchasing of life insurance. Find out why life insurance is an important part of your new family's financial plan.
  
  
• Keeping up with Change: Planning Your Protection Portfolio
  
  
• Life Safety Evacuation and Accessibility Planning For the Disabled
  
  
• Lifestyle Changes - When do you need to purchase life insurance? - If you're like many Americans, you may unwittingly be putting your family at risk of a financial disaster.
  
  
• MEDICARE HEALTH AND PRESCRIPTION DRUG PLAN ENROLLEES EXPECTED TO EXPERIENCE SMOOTH TRANSITION TO 2008 - The Centers for Medicare & Medicaid Services (CMS) announced that Medicare beneficiaries who have chosen to change their health and drug coverage for 2008 should experience very few difficulties when getting their covered prescription drugs through Medicare Part D.
  
  
• Making a Home Inventory - The importance of creating and keeping a home inventory has become more evident than ever A good home inventory record is the best way to protect your belongings in the event your home is destroyed in a fire or other covered disaster.
  
  
• Medicare Prescription Drug Plans - Making an Informed Decision - With so many Part D options available, it can be a lot of information to digest in a short timeframe. Since premiums, deductibles, co-payments, co-insurance terms, network pharmacies, and eligible drugs can very by plan, be sure to compare prescription drug plans (PDPs) available in your area before choosing to enroll.
  
  
• Medicare Part D Benefits - Do you know how the recent Medicare reform legislation may impact your Medicare coverage?
  
  
• Medicare Part D Q&A
  
  
• New Medicare Benefit Scam Alert - Before you sign up for Medicare Part D, be sure you know who you're talking to. Since plan enrollment began last November, Part D scams have been on the rise. To protect yourself and your loved ones from the threat of fraudulent activity and identity theft, learn how to distinguish real Plans from counterfeit ones.
  
  
• New Preventative Services Covered by Medicare - (Insight dated December, 2006)
  Did you know Medicare covers many preventative health screenings and exams? Review the Recommended Health Screenings List provided by the U.S. Department of Health, and see if the services you need are covered.
  
  
• Assess Your Personal Liability Risk - Are your hard-earned assets and income at risk? Review the AICPA Insurance Program's Personal Liability Umbrella Coverage Risk Checklist to determine if you face the threat of risk exposures.
  
  
• Life insurance: A Security Blanket for your Baby - Have a new baby on the way? Congratulations! Investing in life insurance may be one of the most important ways you can protect your new baby. Life insurance can give you peace of mind knowing your bundle of joy will be financially secure if something were to happen to you or your spouse.
  
  
• Part D Terms and Definitions - Glossary of terms often used in materials about Part D.
  
  
• Most Common Causes of Disabilities and How to Prevent Them - May is Disability Insurance Awareness Month. It's a good time to consider the question: is your lifestyle safeguarded should you suffer a long-term or a permanent disability? Find out what you can do to help prevent a disability and take important steps to protect one of your most valuable assets -- your income.
  
  
• Preventing Slips and Falls - Cleaning products can be the direct cause of many slips and falls at home and in the workplace. Different types of floors require different methods of care, and following specific maintenance procedures for each surface can reduce your accident risk.
  
  
• Protecting Your Pet During a Disaster - Include your pets in your family disaster plan.
  
  
• Put Down The Pack: More Reasons To Quit Smoking - Quitting smoking is no easy task. Risk of cancer, stroke, and heart attack are just a few of the many threats of smoking. However, the benefits of quitting are just as striking as they are lasting. Find out more reasons to putting down the pack.
  
  
• Protect Your Belongings with Renters Insurance - Insurance is not just for homeowners but also for people who rent. Renters insurance protects the possessions that matter to you from theft, fire and some types of water damage.
  
  
• Selecting an Ergonomic Chair - A stable, comfortable, seated posture is necessary to prevent workplace injury exposures created by awkward positions. That's why selecting the proper ergonomic chair is critical for jobs that require individuals to assume seated positions for considerable lengths of time. What exactly is an ergonomic chair? And what criteria can be used to select the best product?
  
  
• Senior Fitness - To succeed at any senior fitness program, start slowly, build the program over time, and engage in an activity you enjoy. Developing an exercise routine is easy - just follow these five important tips.
  
  
• Should you have supplemental major medical insurance? - The AICPA Group Catastrophe Major Medical Insurance Plan supplements your basic major medical insurance by paying for eligible expenses and out-of-network services not covered by your primary insurance. Although it's not pleasant to consider the possibility of catastrophic life events, a little preparation will provide you with help protecting your family's financial security. Time spent understanding the AICPA Group Catastrophe Major Medical Insurance Plan may help you be better equipped in the face of unforeseen catastrophic life events.
  
  
• Small Steps for Your Health - There are many things the "experts" tell us to do to get to and stay at a healthy weight and prevent type 2 diabetes... but where should you start? Unfortunately, as you get older, your risk for diabetes increases. But there is good news: the disease can be prevented through small lifestyle changes in diet and physical activity levels.
  
  
• Stages of life: When do you need to purchase life insurance? - If you're like many Americans, you may unwittingly be putting your family at risk of a financial disaster. A recent report conducted by LIMRA International finds that nearly a third of Americans don't have any life insurance coverage.
  
  
• Summer Fun, Family Safety - Whether you're soaking up the sun and surf at the beach, sharing marshmallows and stories around a campfire or chasing fireflies at a backyard barbecue, summer is all about getting out with family and friends. Enjoy your outdoor adventures with the help of these safety tips.
  
  
• The 4 Myths of Long Term Care - There are many misconceptions about how people can prepare for Long Term Care. Read 4 common myths about Long Term Care Insurance.
  
  
• The Advantages of Your Medicare Supplement - (Insight dated April, 2007)
  Medicare is available nationwide and pays for many health care services and supplies; however, it doesn't pay all of your health care costs. That's why Medicare Supplement insurance is so important. Find out what Medicare Supplement covers, and remember the AICPA Medicare Supplement Program is available to members as well as your parents.
  
  
• The Cost of Raising a Child - How Much Can You Expect to Spend? Adding a member to the family is a big financial responsibility. Find out why the high price tag of raising a family leads many to turn to life insurance protection as part of their family's financial plan.
  
  
• Three Easy Steps to Help Lower Diabetes Risk - Small lifestyle changes can go a long way when it comes to avoiding serious health problems. Find out how with these three easy steps.
  
  
• Tips for a Healthy, Pain-Free Back - Few of us are lucky to make it through life without experiencing some sort of back pain. Follow these simple steps to help you on your way toward a healthy, pain-free back.
  
  
• Too busy to apply for life insurance? Think again. - Life insurance is an important part of sound financial planning. And now, with CPA Life, the AICPA-endorsed term life insurance plan, applying for coverage is easier than ever - and available online!
  
  
• When's the Right Time to Evaluate Your Life Insurance Coverage - Are you one of millions of Americans who are underinsured? As your lifestyle changes, so should your life insurance coverage amount. Find out the four key life insurance triggers to help evaluate your life insurance coverage and make sure your loved ones are protected financially.
  
  
• Unusually Dry Weather Sparks Wildfires Throughout the Country; I.I.I. Provides Insurance Tips for Home and Business Owners To Be Better Prepared - Wildfires and dry weather spark wildfires throughout the country. The Insurance Information Institutive (I.I.I.) provides Insurance Tips for Home and Business Owners.
  
  
• Warming Up to On-the-job Exercise - Regular exercise can be an effective part of an employee fitness program designed to address work-related musculoskeletal disorders (WRMSDs). The likelihood of developing a WRMSD can be reduced by maintaining a healthy lifestyle, working at a well-adjusted workstation, alternating tasks, and developing an effective exercise routine according to these valuable guidelines.
  
  
• Wheels of Fortune: Are Your Tires as Safe as They Should be? - Review our tire safety checklist. It may contain information you didn't know or may have overlooked.
  
  
• Your Teenage Driver and Insurance - As a parent one of the most challenging responsibilities and exposures you face is how you handle your teenage child's use of the car.