Insurance Advisor

8 Easy Steps to More Secure Passwords Now–Infographic

8 Easy Steps to More Secure Passwords Now

Are you an easy target for password hackers? Were you aware that more than half of all corporate data breaches are caused by weak or stolen passwords? According to Verizon’s 2016 Data Breach Investigations Report  63% of company data breaches happen because of weak or stolen passwords. Did you know that the average Internet user has 25 accounts to maintain? Despite the large number of accounts, most users only use an average of 6.5 different passwords to protect them, according to a Microsoft study. With identity theft and data breaches an ever-growing... Read More

Smart Phones Can Create Cyber Risks–Are You Protected?

Smart Phones Can Create Cyber Risks--Are You Protected

Smartphones and tablets have become essential in the modern business world. As usage soars, it is increasingly important to protect your company from mobile threats. The need for phone security is no different from the need for a well-protected computer network. According to computer security software company McAfee, cyber attacks on mobile devices increased by almost 600 percent from 2011 to 2012 and show no signs of slowing. Gone are the days when the most sensitive information on an employee’s phone was contact names and phone numbers. Now a smartphone... Read More

Plan Now for Worry-Free International Travel

Plan Now for Worry-Free International Travel

Summer is nearly here and we are starting to think about and plan our summer adventures. Are you fortunate enough to be traveling abroad this summer? International travel is good for the mind and body. It broadens our perspective and allows us the opportunity to enjoy new places and cultures as well as meet new people. Traveling abroad can also have its hazards. Planning ahead, though, can minimize the hazards and help you enjoy your international vacation worry free. Here are 12 things to consider in planning for international travel whether... Read More

Are You Prepared for a Disability?

Are you prepared for the possibility of a disabling injury or illness that could keep your from working? Do you have a plan for what you will do and how you will pay your bills if one happens? Most workers do not realize the risk they are taking by not protecting their paychecks from a disability. Check out the infographic below and see how accurate your knowledge of your risks are. And then call Roper Insurance, where we can help you find the right solution to protect your paycheck and... Read More

Why Insurers are Withdrawing From ObamaCare

Some of the nation’s largest health insurers have announced they may drop out of the healthcare exchanges for 2017 due to mounting costs in that portion of their business. Other large insurers have also suggested that they are re-evaluating their involvement, due to increasing costs that are outpacing premiums. In addition, more than half of the non-profit insurance cooperatives formed to provide exchange plans have also left the market. Insurance traditionally works by calculating the probability of a costly event. Looking at statistics, insurers are able to estimate the likelihood... Read More

Weighing The Pros & Cons of an HSA — Health Savings Account

Weighing The Pros & Cons of an HSA -- Health Savings Account

Health savings accounts (HSA) are a growing trend in health care, but is one right for you? An HSA is a cost-effective option for many individuals and families, but it is not the best choice for everyone.   The Differentiators Comparing HSAs to traditional health plans can be difficult, as each has pros and cons. For example, traditional health plans typically have higher monthly premiums, a smaller deductible, and fixed copays and/or coinsurance. You pay less out-of-pocket due to the lower deductible and copay, but pay more each month in premium. HSA plans... Read More

5 Tips for Getting The Most Out Of Your HSA

5 Tips for Maximizing Your HSA

Health savings accounts (HSAs) are a great tool for helping manage your out-of-pocket health care expenses. If you have an HSA, you want to make sure you’re getting the most bang for your buck.  Here are five strategies that will help you get the most out of your HSA investment. Contribute as much as you can. HSAs are designed to offer triple tax benefits—meaning you put your money in tax-free, it gains interest tax-free and you can withdraw it tax-free for qualified medical expenses. In addition, many employers will contribute to an... Read More

10 Reasons You Want a Health Savings Account

10 Reasons You Want a Health Savings Account

With the soaring cost of health care, many consumers are turning to the health savings account (HSA) as a way to combat rising expenses. This financial option is quickly growing in popularity and has the potential to save you a significant amount of money. The HSA offers another alternative for controlling health care expenses. An HSA encourages the consumer to make healthier lifestyle choices, better health care-related financial decisions, and to invest and save money over time for future medical needs. Here are 10 reasons you want a Health Savings... Read More

How Are Life Insurance Premiums Calculated?

life insurance premiums

Have you ever wondered how your insurance company arrived at your premium payment amount? Does it seem like some mysterious formula that seems Greek to you? Is there anything you can do to reduce your premiums or are you just stuck with the amount they give you? Life Insurance premiums are calculated after looking at an individual’s health risk factors, such as tobacco use, cholesterol level, obesity, diabetes and family history. When applying for life insurance, the insurance company will determine your status based on your age, gender and overall... Read More

Top 10 Threats to Small Businesses—Part 2

threats to small businesses

Top 10 Threats to Small Businesses—Part 2 In our last post, we outlined some of the potential threats to small businesses. In order to develop a plan to manage and minimize risk, it is important to first know what those risks are. Some small business threats may be obvious such as theft, vandalism or fire hazards. Other risks are not so readily visible, such as the possibility of work injuries, data breaches or other legal risks. Part 2 of our Top 10 threats to small businesses outlines five more threats... Read More