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.
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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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:
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.
When you first announce that you are starting your own business, often the congratulatory well-wishes are quickly followed by unsolicited advice and opinions about…well, about everything. From the name to logo to location to EVERYTHING – there will be someone there to tell you what you must have or need to do. Guess what? We are going to tell you what you need as well – at least in terms of insurance. Having the right AND the right amount of insurance is crucial, critical, and m andatory for all new businesses. Navigating the waters of insurance can sometimes be a rough and confusing experience. That is where Susman Insurance Agency comes in and relieves you of confusion and provides answers to all your questions.
The insurance every start-up needs:
No matter what type of business you have, you need General Liability Insurance. We speak about and you hear about liability insurance more often than you are aware of. Not only does it protect against small calamities, but also cover any bodily injury or property damaged caused by you, your employees, or your product. Nobody will do business with your new business without this type of insurance. There is usually a st andard amount for any new start-up, but the amount of liability insurance you need will be specific to your business.
What if one of your employees injured themselves on the job or develops a disability that prevents them from continuing working all together? Your start-up needs Worker’s Compensation Insurance. Not only does it provide protection from any potential legal complications, but it is also required by every state. Yes, you must have it. It provides benefits to employees injured while working. Once they choose to utilize the benefits, they will be unable to pursue legal action against you or the business.
If you own anything (yes, anything) that is part of your new business, you need Property Insurance. Office equipment, personal property, tools, company cars, computers, buildings, etc.… If the loss of any of those would prevent you from continuing ‘business as usual,’ you need to protect every one of those items and more. Along similar lines as property insurance, there is also Commercial Auto Insurance. This insurance protects vehicles that are used for any/all business purposes and covers any damages caused by car accidents, theft, v andalism, and more.
Professional Liability Insurance is something your start-up cannot go without. Also known as Errors and Omissions Insurance, it provides defense and damages for any of your products or services that cause financial loss. You might be thinking that it sounds a lot like General Liability Insurance – and it does – however, the level and type of protection are very different. That is why you need Susman Insurance Agency to clarify such details and make sur e your new business has proper coverage.
Worried about what might happen if one of your partners or board members makes a major mistake that causes financial damages to the business? You need Directors and Officers Insurance to protect you and the business against their bad decisions and help cover any damages or legal fees. While we are talking about the VIPs within the hierarchy of your business, you should also consider getting Key Person Insurance. If one of these people should die, this policy pays put a lump sum to the business and allows you to continue running the business without financial burden associated with the loss of the key person.
Transitioning from having a policy that covers the death of a key person, you also need a policy that covers your own demise. Life Insurance will pay your beneficiary an amount based upon the premiums you paid and relieve them from financial burden that happens after a loved one dies. You should already have Life Insurance and if you don’t, GET IT! You pay a premium in exchange for the payment of benefits to the beneficiary. This type of insurance is very important because it allows for peace of mind.
Plan on utilizing any type of technology for your start-up? You need protection! For starters, consider a Data Breach policy. Storing any type of personal information on your computer network puts you at major risk for hacking and cyber-attacks. Data Breach protects your business against the loss of information. Additional policies for more severe cyber-attacks are also available – and yes, we believe you need them!
Let’s pretend you already have all the insurance needed for your start-up, but then you worry that you don’t have enough. You can get additional coverage on all polices with Personal Umbrella Insurance. This options allows you to extend the level of coverage on your current polices. Once your original policies have been used, personal umbrella insurance will cover the rest (based upon the amount you purchased).
An option to bundle numerous insurance policies for your start-up comes in the form a Business Owner’s Policy. This tidy package often includes business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance. Your business needs are evaluated so the best bundle can be created for your specific needs.
If you don’t think you need any of these insurance policies, you are wrong. If you think you can get by with only one or two policies, you are wrong – again. Your start-up is the newest member of your family. You protect your family with such insurance as health, auto, home, and life. Why wouldn’t you choose to protect your newest an investment just the same?
Any time is a good time to travel. Sure, it depends on where you want to go and the weather season, but for most of us, everything from a quick getaway to an extended exotic vacation is something we love to do and can’t ever come soon enough.
You find the perfect location, plan your adventure, book the tickets, and upon check-out you are ask if you would like to purchase insurance to protect your trip.
Would you? Should you?
Often times not only do you wave goodbye to your family when departing for your vacation, but also to your insurance coverage – especially as soon as you leave the United States.
The most common items (deemed reasonable) covered by travel insurance include medical emergencies, visitor health insurance, delayed, lost, or stolen baggage, and trip cancellation/interruption (death, bodily injury, illness, disease, pregnancy complications, termination of employment, deployment, prohibition of travel to the destination, evacuation from the destination). Sometimes additional policies can be purchased for more specific needs such as pre-existing conditions, elective treatments or surgery, war, and terrorism. An added bonus of travel insurance is it is often there to help 24 hours a day/7 days a week.
So do you need it?
If you are a worrier, this might be a good way to give you peace of mind. If your trip is just a couple days domestically, you probably don’t need it. We gave you some of the pros and the type of coverage you can get, but there are also reason why you might decide not to get travel insurance. For example, you might already be covered on your current insurance, your credit card might already offer additional travel protection, or maybe you just aren’t worried about any type of loss. It all depends on the individual.
It is definitely worth the time to do some research about the coverage available and the health care services available at your destination. As always, it is better to be over-prepared.
The holiday season is in full swing and while everyone has their own traditions they follow and celebrate, many people enjoy sharing the holiday spirit be decorating the outside of their homes in beautiful lights. Some displays are so amazing and magical, that people line up around neighborhood blocks waiting to drive by and look.
Serious lighting and decorating calls for some serious safety procedures.
Follow all manufacture instructions on all your decorations.
Always make sure you check ALL the lights before hanging. You don’t want to cut your h and on broken bulbs or get them all up only to find out that nothing works.
You also want to use waterproof bulbs to avoid any disasters due to a change in the weather.
Use a sturdy ladder on a flat surface and hang the lights using holders – not nails.
Only plug lights into the proper circuit and if you don’t have one for outside use, have one professionally installed ahead of time.
Avoid hanging anything near power lines.
Keep extensions cords wrapped and secured in a safe and orderly place.
We love checking out amazing holiday décor – just like most people. We also want you to have a pleasant holiday season and not have to call us for an insurance claim due to a decoration/lighting-related incident! A few simple safety precautions can help you avoid injury – to you, your home, and you bank account!