Free Hand Sanitizer pickup
CDC Webinar of March 18 2020
Coronavirus Update 3/10/2020
This webinar is not a substitute for medical information. It is for informational purposes only. The content is not intended to be a substitute for professional medical advice, diagnosis or treatment. Always seek the advise of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have heard or read on this webinar. This webinar is not a substitute for medical information. It is for informational purposes only. The content is not intended to be a substitute for professional medical advice, diagnosis or treatment. Always seek the advise of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have heard or read on this webinar.
Homeowners insurance in California
Will my homeowners insurance policy be non-renewed?
The California Department of Insurance provides insurance companies with the ability to review risks and exposures each year to ensure they conform to their current underwriting guidelines. In 2018 alone, there were over 8,527 fires that destroyed over 1,893,913 acres. There is a possibility that due to these losses, your homeowner insurance policy may be non-renewed by your carrier, if it no longer meets the eligibility guidelines they file with the state and have approved by the Department of Insurance.
Will the premium I am paying on my homeowner insurance policy increase?
Premiums are determined based on various factors including the size of your home, year built, the amount of insurance you have, the location of your home, your loss history, as well as the overall claims exposure and paid losses your insurance company has had. As of May 2019, insurance claims paid out due to the 2018 wildfires exceeded $12,000,000,000. Based on the catastrophic nature of these losses and claims paid, you should expect the rate you pay for your homeowner insurance to increase.
What is a non-admitted insurance company?
A non-admitted insurance company is an insurance company that has not filed its rates and underwriting guidelines with the California Department of Insurance and therefore is not licensed to provide insurance products in the state. Note that not licensed does not mean unregulated and such insurers can nevertheless write coverage through excess and surplus lines brokers licensed in the state. They must meet certain criteria to become an approved non-admitted market in the state and be allowed to offer policies. You may see a list of insurance companies that are approved by checking on the Department of Insurance’s List of Approved Surplus Lines Insurers (LASLI) list.
What does the California FAIR Plan Association cover?
The California FAIR Plan is an insurance association comprised of all insurers authorized to transact basic property insurance in California. It was established under Insurance Code statute Section 10091 in August of 1968 to offer coverage to high-risk homeowners who have trouble obtaining coverage through another insurer. It has no public funding or taxpayers’ monies and is not a state agency. Arguably, it is stronger than any single insurer since it has the financial backing of all admitted insurance companies writing property insurance in California. Some of the coverage that is available from FAIR plan is fire, lightning, smoke, and internal explosion. Optional coverage may also be purchased when available for windstorm or hail, explosion, riot, aircraft, vehicles and v andalism or malicious mischief. Most notable omissions from a FAIR Plan policy include but are not limited to liability insurance, workers comp coverage, water damage coverage and theft of property.
What is a DIC insurance policy?
When discussing an insurance policy in California, a DIC policy st ands for Difference in Conditions. It is an endorsement or amendment to a st andard or preferred homeowners insurance policy that removes the peril of fire from the covered causes of loss list. A DIC policy is purchased in conjunction with a fire policy from the California FAIR Plan Association in order to add in the liability, workers comp, water damage and theft coverage. The two policies go h and in h and to provide coverage for consumers who are unable to secure a st andard homeowner policy in the marketplace.
Jumpstart Earthquake Insurance
HIV Life Insurance
YES! The answer is yes. What’s the question? Can somebody living with HIV get life insurance? Yes!
If you are living with HIV and want life insurance you have come to the right place. This is not the NO EXAM LIFE INSURANCE that you have been seeing for years. This is not the waiting period life insurance policy, or graded benefit life insurance policy you’ve heard about. Nope. You can get life insurance if you are HIV-positive. Many of our life insurance companies are now viewing people with the HIV virus similarly to most other chronic diseases.
We have been helping people get life insurance for literally decades. Our staff of licensed life insurance agents are here and ready to help you with a personal one on one phone conversation. If you prefer we can even text with you, or even have a video conference to discuss your individual situation.
If you are interested in getting a proposal today please fill out the form below.
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Can somebody with HIV get Life Insurance?
Yes! Healthy people living with HIV are now eligible to apply for life insurance. Life insurance companies are coming around to the notion that being HIV Positive does not hold the same mortality that it once did. Previously, buying Life Insurance if you have the HIV virus was next to impossible. Practically all life insurance applications would ask whether the potential client had ever tested positive for the HIV virus. If answered yes, this was an automatic decline for new life insurance policies.
As time goes by, and medical advances continue, the HIV virus is now being treated as a condition in the eyes of some insurance companies. More specifically, as insurers began to underwrite these types of life insurance risks, they were extremely rigid and based their acceptance or declination on test results such as the client’s CD4 viral count. What is being found is that a more holistic approach to underwriting is presenting good risks for life insurance companies and more opportunities for people living with HIV to obtain coverage.
The key component being examined now is whether individuals have their treatment under control. Are they taking care of themselves, eating well, exercising, taking their medications as prescribed by their physicians and keeping an eye on their overall health and well-being. If you or someone you know is living with HIV and wants to get Life Insurance, please have them contact us for a private consultation.
Life insurance products currently available include Term life insurance, Universal Life Insurance, Whole Life Insurance and even Group Term Life insurance. Let’s all be happy with the progress we have seen with treatments and the goal of putting an end to the entire HIV epidemic by 2030.
Brush Fire Updates
Please get updated Fire evacuations information from the sources below:
Cal Fire – web page
Be safe!
How I Saved $472 on My Homeowner’s Insurance
Looking for the best deal on homeowner’s insurance? You want to save money, but you also need to make sure that you’re fully covered by a reliable company in case something ever happens. You don’t have to browse for bare bones policies in order to save money! Talk to your insurance agent about these five discounts and you can save $472 annually, just like I did!
- Security Savings – $128
Insurance companies offer big discounts for security systems, and it’s not as hard to capitalize on as you’d think. We have a simple Nest security camera and I almost didn’t mention it because I thought that it had to be a comprehensive, wired system. Nope! Even a Ring doorbell or simple wifi camera in your window can help you save big.
- Safety First – $32
You should already have smoke detectors installed, so make sure that you’re getting credit for them. Whether you have a comprehensive wired system or individual battery smoke detectors, it’s easy to receive fire safety discounts.
- Education Counts – $51
Did you know that your college education is a discount? As it turns out, my BA college degree instantly saves me $51 a year! Getting the degree was a lot of hard work, but this discount sure is easy. It also applies to BS or equivalent and any higher education degrees.
- Update? Discount! – $128
Updating your home can help you save on more than just heating and repair costs. We completed several much-needed renovation projects, ranging from plumbing to heating and air, electrical, and fixing the roof. That hard work saves us more than $100 every year with a lower premium. Updates are expensive, so make sure to grab your rightful discounts!
- All Bundled Up – $132
Chances are, you probably need both home and auto insurance. Enjoy the biggest discount available simply by bundling them together with the same company and save money on both policies. After comparing policies, we knew exactly what company we wanted to choose for homeowner’s insurance and adding auto to the bundle was the obvious choice.
With Susman Insurance, you’ll enjoy the best mix of personal service and automated quote tools, so it’s easy to get the best deal. You can get a quote now! I saved $472 on my insurance simply by having a conversation!
Micronation Benefits and Insurance
Benefits for a Micronation
There are 203 sovereign states in the world today, according to the United Nations. Citizens of these recognized nations enjoy the benefits of accepted, transferrable currency, the freedom to travel with official passports, a government voice in global politics, and more. Micronations are unrecognized country projects and model territory claims that attempt to survive outside of, and often in spite of, the rule of parent countries.
The first formal micronations have been traced back to the 19th century and statehood creation has become increasingly popular since the advent of the internet. Micronations vary so widely that the only true defining link across all groups is the lack of official recognition. Rulers and citizens of micronations face unique challenges, including the lack of conventional passports, unrecognized currency, and the difficulty of finding benefits and insurance for dual citizens.
Explore the wide range of ideologies, locations, legality, size, and tolerance with a list of 5 distinctive micronations below:
Atlantium was originally founded in New South Wales, Australia in 1981 by three teenagers in pursuit of unrestricted international freedoms and personal rights. The politically-based micronation gained support from pledged online citizens from over 100 countries who championed the right to abortion, freedom of movement, assisted suicide, and other foundational rights.
The shape of the state has transformed many times and the micronation now functions as a fully-online, non-territorial claim for dual citizens.
The Free Republic of Liberl and was founded in 2015 by activist Vit Jedlička to claim a 2.7 sq mi wide parcel of disputed l and between Croatia and Serbia. After the dissolution of Yugoslavia, international borders have been widely disputed and the founder raised a flag to claim the uninhabited l and.
With the motto ‘To Live and Let Live,’ the unofficial state is currently accepting applications for citizenship and approximately 30 citizens have been inducted along with a provisional government. Most state business is conducted outside of the claimed region due to the difficulty of border crossing with neighboring parent countries.
Unlike most micronations that are forced to compete with sovereign states for l and claims, Westarctica pursues sovereignty over a parcel of unclaimed l and on western Antarctica. The micronation was founded in 2001 with an established royal government that ruled from abroad.
In 2014, Westarctica shifted its focus and filed to become a legally recognized nonprofit in the state of California. Today, the online citizens and activists campaign against ecocide and polar ice depletion.
Inspired by the whimsy and joy of Doctor Seuss, West Who is a micronation in California that stakes claim to .02 acres of l and. The micronation is passionate about space and planet exploration and maintains an active counter-intelligence spy agency.
Stamps and e-passports are the primary source of revenue and the micronation has reported a small budget surplus with no national debt. According to the president, West Who dual citizens have some of the highest GHI (gross happiness index) ratings in the world and the lowest unemployment rates.
Molossia is a decidedly trivial micronation that exists peacefully within the United States and pays taxes to its parent country. President Kevin Baugh founded the nation in 1977 and all three of the tiny claimed territories are under his family homes. Including dogs, there are only 34 citizens and the country’s proposed currency, the valora, hinges on the value of Pillsbury cookie dough.
The micronation is more than 12,000 days into a proposed war with East Germany, even though the country has not existed since 1991. Molossia primarily exists online for profit and amusement with the sale of war bonds, coins, stamps, and merch andise.
Although unrecognized dual (or full) citizenship in a micronation comes with its challenges, there can also be distinct benefits. Susman Insurance offers specialized insurance benefits for micronations with competitive rates and no network restrictions. Custom micronation benefit packages can cover citizens with the following premium services:
- Life Insurance
- Health Insurance
- Travel Insurance
- Aflac Expense Benefits
- Savings Plans
Benefit packages are available for micronation citizens with open enrollment and we can also help create state-sponsored or state-paid savings plans and insurance programs. Micronation insurance benefits are distinctly different than sovereign states. At Susman Insurance, we underst and and respect your purpose. Get in touch today to learn more about insurance and savings plan options for your citizens with no underwriting.
