Category General

For T-Mobile phone users, insurance coverage might raise questions. Phone insurance safeguards your device against risks like accidental damage, loss, theft, and mechanical breakdown.  Yet, not all insurance plans are equal. They differ in benefits, features, limitations, and exclusions.  This…

Tax Form 8962 is a form that you need to fill out and attach to your federal income tax return if you want to claim the premium tax credit (PTC) or if you received advance payments of the premium tax…

The premium tax credit (PTC) is a refundable tax credit that helps eligible individuals and families cover the premiums for their health insurance purchased through the Health Insurance Marketplace.  The PTC can lower your monthly health insurance costs or increase…

There can be several reasons why insurance agents may decide to quit their jobs, similar to any other profession.  Here are a few potential reasons: What can be done to improve the retention rate of insurance agents? Improving the retention…

The person in charge of settling insurance premiums is known as the subscriber. This individual is designated as the chief policyholder, with their name and contact details appearing on the insurance card. In order to determine the subscriber on an…

Verizon insurance, also known as Wireless Phone Protection, is a device protection plan that covers your phone against loss, theft, damage, and malfunctions. It is offered by Asurion, a third-party provider that is contracted by Verizon. To enroll in Verizon…

Policy benefits are usually found on the declarations page of an insurance policy.  This page summarizes the key information about the policy, such as the policy number, the insured person or entity, the policy period, the coverage limits, the deductibles,…

An insurance company can make a profit by taking in premiums and making payouts in two main ways: To achieve this, an insurance company needs to price risk and charge a premium for assuming it. It also needs to process…

Del Toro Insurance offers a range of insurance policies at reasonable prices, with expertise gained from over 25 years in the industry.  They have multiple locations in South Florida and provide insurance coverage for automobiles, general liability, health, commercial auto,…

Riggers Liability Insurance is a type of insurance that covers a contractor’s liability arising out of the moving of property and equipment that belongs to others.  For example, if you are a rigger and you damage an air-conditioning unit while…