AICPA 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.

• An Unexpected Risk Management Tool for CPA Firms - It’s a question that came up during a recent AICPA Professional and Personal Liability Insurance Programs (PLIP) Committee meeting where Jerry Hensley, a longtime Committee member, CPA, and AICPA Plan policyholder, told the group that he actually looks forward to completing his firm’s annual professional liability insurance policy renewal application. The sudden silence in the room suggested that others were wondering the same thing I was: Why would anyone possibly look forward to such an arduous task as filling out an insurance form?
  
  
• Catastrophic accident or illness, catastrophic costs – a financial safety net for members - If a catastrophic injury or sickness 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, additional insurance protection begins to make a lot of sense. To help protect yourself and the ones you love, find out about additional insurance options.
  
  
• Decision Driving tips can sharpen your skills behind the wheel. - You may never have had a collision. Or received a citation for speeding. Or even paid a parking ticket. But no matter how well you drive, it always helps to keep in mind a few pointers that will help keep your record clean and your safety intact.
  
  
• June is National Safety Month! Home Safety Tips: 5 Steps to Greater Security - You spend a lot of time in your home. And most likely, you spent a lot of money to get it. So practicing home safety is essential to protect you, your family and your property. Take these five steps and you’re on your way to a safer, more secure home.
  
  
• Living Green to Conserve Energy and Protect the Environment - From roofing to flooring, “eco-friendly” materials and devices can help you save money when you’re maintaining, repairing or improving your home. Even better, they help save the environment. Join the Green Revolution and consider these simple ways to conserve energy and other natural resources.
  
  
• Talking Renters Insurance to Your Kids - You’ve been your children’s source for insurance for 18 years or longer. But now they’re moving into their own apartments and should probably get insurance for themselves. If you want your kids to be properly insured, explain the benefits in terms they can understand.
  
  
• Workers Compensation Fraud - Each year work-related injury and illness claims cost employers over $30 billion dollars. Estimates of the cost of fraudulent work-related claims range from $1.5 billion to $9 billion dollars annually. Regardless of the amount, fraudulent workers compensation claims adversely affect many businesses’ efficiency and productivity, operating and insurance costs, and bottom-line profitability.
  
  
• Safety Around the Pool - Did you know that year nearly 300 children younger than five drown in swimming pools every year? Your greatest assurance for water safety is adopting and practicing as many safety measures as possible for your pool and the area around it. Even one can make a difference—and save a life.
  
  
• Action Steps to Create a Plan for Handling Emergencies - Preplanning is essential for successfully minimizing any adverse effects of an emergency or disaster on a business and its operations. Emergencies and disasters can take many forms, including physical perils, work accidents, or deliberate acts of terrorism or sabotage. This article presents the steps in developing plans to help a business survive an emergency.
  
  
• Do You Need to Insure Your College-Bound Child? - If you’re the parent of a dependent college student living away from home, you probably already worry about tuition costs and what’s really going on in the dorms. You shouldn’t have to worry about property damage, medical payments and lawsuits. With your homeowners policy, you don’t have to.
  
  
• Poor economy underscores your need for protection Do you have enough life insurance? - The struggling economy has left many American families with diminished savings. It’s more important than ever to make sure you have a life insurance benefit that would help your family ensure their financial security, as the economy continues to flounder.
  
  
• Do You Need Flood Insurance? - Do you think you need flood insurance only if you live near water? Think again. Floods can be caused by heavy rainfall, melting snow, clogged drainage systems and broken levees. If you think you’re at risk, consider protecting your home with a flood insurance policy.
  
  
• BMI Chart – What’s Your Number? - Body Mass Index (BMI) is a reliable indicator of body fitness and used to screen for weight categories that can lead to health problems. Check out what your ideal number is on the BMI chart.
  
  
• Dealing with Internet Fraud - Judging by the sheer number of solicitations and “can’t miss” propositions that you receive every day in your e-mails or that are posted on message boards or Web sites, Internet scams may seem inescapable. While you can’t wholly avoid seeing online solicitations that may be fraudulent, here are some tips on how to deal with them.
  
  
• Do you have enough insurance for your stage in life? - Purchasing life insurance can be a daunting proposition – besides the obvious reminder of your own mortality, the cost involved and features and options to choose from can be overwhelming.
  
  
• Have you taken the steps to plan for your family’s future and protect your estate? - There are three key steps you need to consider.
  
  
• Heart-Healthy Tips: Your Heart Will Thank You - Heart disease causes more deaths in the U.S. than any other cause. Keep your heart beating strong by following three heart-healthy rules.
  
  
• 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 plays an integral role in a new couple’s financial plan.
  
  
• Office Workplace Hazards And Controls - With the ever-growing trend toward a service-based economy, the office environment has become the “typical” workplace for millions of American workers. Office exposures, once considered relatively minor, have become major causative factors with regard to overall workplace injuries and illnesses.
  
  
• One of the Most Important Steps You Can Take to Improve Your Health - One of the things we can do to stay healthy and active is to get regular checkups. Even if you feel fine it is important to see your health care provider regularly, according to the National Institutes of Health (NIH).
  
  
• Test Your Fire Smarts - A recent national survey conducted by Liberty Mutual in association with the International Association of Firefighters revealed that Americans hold many misconceptions about fire safety. Take this brief quiz to test your own fire smarts.
  
  
• Three reasons to consider keeping spouse life insurance in a bad economy - In a bad economy, there are many ways to cut costs to weather the financial storm. As a financial professional, you've probably sharpened your pencils and given your own personal budget the once-over to see where costs can be cut and expenses lowered. But if you've considered dropping your spouse life insurance, here are three reasons why that short-term financial decision may not be worth it in the long run.
  
  
• Transportation Alternatives for Senior Drivers - As the ability to drive diminishes with the onset of medical conditions and the normal cognitive and physical changes associated with aging, senior drivers put themselves at risk behind the wheel of a car. Consider these five modes of transportation that might offer safer alternatives.
  
  
• When’s the Rght 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.
  
  
• 5 Tips to Prevent Home Heating Fires - When it’s time to turn up the heat in your home this winter to battle the icy cold, follow these simple tips for servicing your furnace, chimney and other heating equipment to prevent the chance of fire.
  
  
• CPA's who are Good Defensive Drivers Still need Personal Umbrella Insurance!
  
  
• Protect Yourself During Late-Season Snowstorms - You may be dreaming of spring, but don’t forget the cold, hard facts: Old Man Winter still has plenty of time to deliver a deadly blizzard or ice storm. Follow these tips if you lose power in your home or are stranded in your car.
  
  
• Put Down the Pack: More Reasons Keep that New Year’s Resolution to Quit Smoking - As the New Year rolls around, quitting smoking is at the top of many people’s resolution list. 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.
  
  
• Twelve Tips for Childproofing Your Home - Each year, children are unintentionally hurt—and sometimes killed—by hazards in and around the home. The good news is that these twelve tips for childproofing can help reduce and prevent the risk of injury.
  
  
• 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.
  
  
• Staying healthy from 9 to 5 - The busy schedules of many professionals can certainly take its toll on staying healthy during the upcoming cold and flu season. Find out how a little planning ahead can go a long way.
  
  
• Adjusting to Winter Behind the Wheel - Because driving in winter conditions is fraught with hazards such as icy roads, poor visibility and the threat of snowstorms, ask yourself the following questions before you get behind the wheel and put your safety at risk.
  
  
• 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.
  
  
• Gambling with your Future: Two Major Risks of Foregoing Life Insurance - The rocky economy has everyone looking for ways to save, but putting off purchasing life insurance could be costly in the long run. Check out the two major risks of foregoing life insurance.
  
  
• 9 Things AICPA Business Overhead Expense Insurance Covers - You may already have insurance to cover your personal expenses, but think about what would happen to your business if you had an accident or an illness.
  
  
• Calculating the Costs of Your First Home: Factors to Consider - Welcome to the American Dream—buying a home of your own. There’s a lot to consider—especially affordability. Before you take the plunge, consider these pointers as you plan to make a purchase.
  
  
• Can You Pass This Driver's Ed Quiz? - It never hurts to refresh your knowledge regarding safe and defensive driving techniques.
  
  
• Burglars Don’t Take Vacations - While you’re away on vacation, the last thing you want to worry about is burglars invading your home and stealing your personal belongings. So before you leave, take these precautions. They’ll help protect your property and give you peace of mind.
  
  
• Fall Fix Ups - It’s time for fall home maintenance. Tackle any trouble spots before winter arrives.
  
  
• Five Tips for Online Safety - The Internet is fertile territory for criminals who devise devious methods to exploit and steal from unsuspecting Web users. But by taking these five important precautions, you can keep your finances and personal information safe.
  
  
• Parking Lot Safety - Although parking lots may not be the most hazardous places to drive, they can be the most unpredictable.
  
  
• Smart Plays for Summer Sports - Liberty Mutual’s Responsible Sports program recognizes the importance of educating youth who participate in summer sports about conditioning, hydration, nutrition, equipment, and injury prevention. For more information on supporting young athletes on and off the field, visit www.responsiblesports.com.
  
  
• The Facts On Flood Insurance - Flood insurance can't prevent the devastation of major water damage to your home, but it can go a long way toward helping you put your life back together.
  
  
• Caution: Hazardous Winter Driving Ahead - Winter weather can create serious driving hazards. But there are some things you can do to help minimize those hazards.
  
  
• Dangerous December - Statistics show that home accidents soar during holiday time. To help keep your December delightful, here are a few reminders about dangers that are easy to overlook.
  
  
• 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.
  
  
• Guarding Against E-Mail Viruses - E-mail virus attacks have been a serious and consistent concern for businesses of all types and size. Recent attacks by e-mail viruses have damaged computers, corrupted business data, and caused the loss of critical access.
  
  
• 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.
  
  
• Catastrophic Major Medical Checklist - Does your basic health insurance coverage protect your assets and financial well being should catastrophic illness or injury strike?
  
  
• Don't Get All Wet - Do you live in a Flood Zone? Even if you don't live near water, you may be at risk for flooding.
  
  
• Driving Green to Conserve Fuel and Protect the Environment - With gasoline prices still high and perhaps on the rise, as well as increasing reports about the impact of greenhouse gases on the environment, now is the time to rethink how you typically maintain and operate your vehicles. Try following these tips to increase your fuel efficiency:
  
  
• Risk Control in Tough Economic Times - Space-Sharing Tips - One way that accountants may try to adapt to current economic challenges is to share space with other accountants (or non-accountants). Such arrangements allow accountants to share expenses and overhead costs and consolidate the use of equipment and even human resources. But they also raise the risk that those accountants will generate new exposure to professional liability as well.
  
  
• Medicare Fraud – Protect Yourself and Medicare - The vast majority of physicians, providers, and suppliers who serve people with Medicare are committed to providing high quality care to their patients and to billing the program only for the payments they have earned. However, there are a few individuals who are intent on abusing or defrauding Medicare, cheating the program out of millions of dollars annually. Medicare fraud takes a lot of money every year from the Medicare program. People with Medicare pay for it with higher premiums.
  
  
• Travel Tips – Plan and Go! - Planning a trip? You’ve chosen the dates, the people and the place, and with some careful planning, your trip can be all you’ve imagined. Check out the latest travel tips from the US State Department.
  
  
• A safety checklist: Three things that may cause injuries this holiday season - As you deck your halls in the coming weeks, pay extra care to these three common causes of injury. Following some practical safety steps may help prevent an injury that can side-line you long after New Year’s Day.
  
  
• 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)
  
  
• Ground Rules for Teen Drivers - Setting safety ground rules for teenagers is an effective method of engaging them in a conversation about responsible driving. You just might save yourself some stressful confrontations down the road. Be sure, however, not to break the rules yourself if you want to act as a role model.
  
  
• Keep your balance - Why it’s important - As people get older, balance tends to decline due to lower muscular strength, and flexibility as well as inner ear function and eye sight.
  
  
• Tax Quality Control Guide - For almost two decades, malpractice claims arising from tax practice at public accounting firms have accounted for about two-thirds of all AICPA Professional Liability Insurance Program claims.
  
  
• What’s in Season? - A lot of produce is available year round, but the taste and food value is reduced as soon as it is harvested. The best way to get this fresh taste and food value is to eat what is in season in your area.
  
  
• Winter's Last Blast - You may be dreaming of spring, but don’t forget the cold, hard facts: Old Man Winter still has plenty of time to deliver a deadly blizzard or ice storm. Follow these tips if you lose power in your home or are stranded in your car.
  
  
• 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.
  
  
• Dealing with the Death of Your Spouse - The death of a spouse is a loss everyone hopes they never have to deal with. But unfortunately, it is a tragedy you may have to confront. If the worst does happen, it’s important to have a plan in place to help you work through what is sure to be an emotional and difficult time. Here are five things you can do now to prepare:
  
  
• The Newlyweds' Guide to 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 the top three questions to consider for choosing the right amount of life insurance coverage for your new family's financial plan.
  
  
• Avoid frozen pipes when the weather gets cold. - The following advice can help make this common occurrence a lot less disastrous.
  
  
• Avoiding Fake Slips, Trips, and Falls - Slip and fall claims represent a significant fraud risk because they can be easy to fake and difficult to disprove. Follow these tips to avoid fraudulent slip and fall claims at your business.
  
  
• How Much Sugar is Hiding in Your Food? - There are two kinds of sugar in your diet – the natural sugars and the added sugars.
  
  
• 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.
  
  
• Medicare Covers Heart Health Test - It’s important to take care of your heart to help prevent a heart attack or stroke. You can start today by talking to your doctor about your risk for heart disease and asking about your free cardiovascular screening.
  
  
• Vitamin D - Are you getting the right amount? - Vitamin D is important to the body in many ways. Muscles need it to move, nerves need it to carry messages though out the body, and the immune system uses vitamin D to fight off bacteria and viruses. You need to get enough vitamin D for calcium to be properly absorbed.
  
  
• Glossary - Refer to the glossary when completing online applications, quote requests or when seeking clarification of a policy term.
  
  
• Most Baby Boomers underestimate their risk for disability: Check out these three steps for staying healthy - The current economic crisis has revealed the vulnerability of many Baby Boomers financial plans and underestimates their risk for disability. Find out what three simples steps can keep you healthy.
  
  
• Help Lower Diabetes Risk - As the new year rolls around, many people find themselves making resolutions to lead a healthier lifestyle. Did you know that just a few small lifestyle changes can go a long way when it comes to avoiding serious health problems like diabetes? Find out how you can help lower your diabetes risk with these three easy steps.
  
  
• Ergonomic Exercises for the Neck and Shoulders - Daily performance of these exercises for the neck and shoulders will help prevent stiffness at the base of the neck and relieve tension. It is important not to overstretch. Stop if there is pain or tingling in any muscle.
  
  
• 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.
  
  
• Keeping up with Change: Planning Your Protection Portfolio
  
  
• Life Safety Evacuation and Accessibility Planning For the Disabled
  
  
• Long Term Care insurance: Buying now can save your wallet in the long run - Can you afford to pay for long term care? You may spend years building your assets only to have your plans for a secure lifestyle threatened by the financial impact of a debilitating accident or illness. All that you worked for could be put at risk.
  
  
• May brings Awareness to Protecting Your Lifestyle - 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.
  
  
• Long Term Care insurance - You're never too young to get coverage - As baby boomers age, healthcare costs rise along with the need for long-term care insurance. Examine the benefits of Long Term Care insurance and the best time to purchase coverage.
  
  
• 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.
  
  
• Remember to Remodel Your Home Insurance - Homeowners should review their home insurance coverage on a yearly basis and it is especially important to do so before beginning any home improvement project.
  
  
• 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.
  
  
• Leaders Don't Grow on Trees - More and more, CPA firms recognize that a defining characteristic of their enterprise is human, rather than financial or geographical. They understand their culture is driven by the values and vision of its leaders, and creates the foundation for the future generations.
  
  
• Medicare Part D Q&A
  
  
• Important Medicare Part D Dates for 2009-2010 - Medicare's Prescription Drug Coverage (Part D), has a yearly open enrollment period from November 15 to December 31. During this open enrollment period all Part D participants can make changes in their plan choice or switch plans without penalty. Read More about what to know and how to save.
  
  
• 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.
  
  
• Tips To Keep You Safe Over The Winter Months - As the weather turns colder, alternative methods to keep warm if not used safely, could cause household fires. Learn safe alternate methods for heating your home, as well as candle safety.
  
  
• 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.
  
  
• 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.
  
  
• 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.
  
  
• Return to Work after Disability - Returning to work after a disability can be an uplifting experience, but one that requires a little planning ahead. Check out three steps you can take to make the transition a rewarding one.
  
  
• 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?
  
  
• Security for Personal Computers - Portable computers are a prime target for thieves, especially in airports, hotels, offices, and automobiles. Recent FBI statistics show that one of every ten laptop computers is stolen.
  
  
• 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.
  
  
• Wildlife and Motor Vehicle Crashes - Each year there are 500,000 to 750,000 car-animal collisions that result in more than 100 deaths. The most serious crashes occur when a motorist swerves to avoid a deer and hits another vehicle or fixed object, or when the vehicle rolls over. Be aware of the times and places when moose and deer are more likely to be on the roads.
  
  
• 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.
  
  
• 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.
  
  
• Safe Cars - Liberty Mutual has been in the business of helping people live safer, more secure lives for more than 85 years. And keeping drivers safer on the road is one of their primary concerns.
  
  
• 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!
  
  
• Traveling Abroad: the Insurance Checklist You May Have Never Considered - Before you leave for your trip, make sure you've considered how your auto and homeowners policies server you on foreign soil.
  
  
• 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.
  
  
• What to Do After a Car Accident - On average, an auto accident occurs every five seconds in the United States. If you or your family were involved in a collision or fender bender, would you know what to do?
  
  
• October is National Fire Prevention Month - October is National Fire Prevention Month Are you Fire Smart? Take this brief quiz to find out. A recent national survey conducted by Liberty Mutual in association with the International Association of Firefighters revealed that Americans hold many misconceptions about fire safety. Take this brief quiz to test your own fire smarts.
  
  
• When Your Wallet Goes A.W.O.L - When your wallet is lost or stolen, it’s tough not to fear the worst—credit card fraud and identity theft. But you can hold the panic at bay by acting quickly and taking a few preventative measures that help protect your credit and reduce your liability.