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Recent posts by NAIC

5 min read

A Guide to Employee Benefits for Small Businesses

By NAIC on 7/24/23 10:00 AM

Each month, more than half a million aspiring entrepreneurs in the United States take the bold step of starting their own businesses. For these determined individuals, the right insurance choices can make all the difference between celebrating their business's first anniversary or experiencing a disappointing inaugural year. Whether they have a small team or a few hundred employees, whether they sell products or offer services, and whether they run their operations from a home office or a separate location, small business owners must consider insurance in a distinct manner compared to individual consumers.

Topics: Disability Insurance Group & Employee Benefits Small Business Insurance
2 min read

How Much Life Insurance Do You Need?

By NAIC on 7/21/23 10:00 AM

Whether you have a family, own property, or want to leave a legacy for your loved ones, life insurance is an essential part of any sound financial plan. Read on to learn how to determine how much coverage you need.

Topics: Life Insurance & Annuities Insurance
3 min read

Home & Auto Insurance for Military Service Members

By NAIC on 7/17/23 10:00 AM

Before you buy any insurance, make sure to ask the agent specific questions about how the company handles issues related to military deployment. Each company has its own way of doing things. Compare prices and the level of service from a few different insurance providers. By shopping around, you might find an insurer that specializes in serving service members.

Topics: Insurance
2 min read

What Small Business Owners Need to Know About Cybersecurity

By NAIC on 7/14/23 10:00 AM

Technological advancements make life easier. But, they can come at a cost. Every day it seems like another data breach story hits the news. As individuals and families use more technology, there is a lot at stake when it comes to protecting themselves online.

We increasingly rely on the Internet to work, bank, shop, and socialize. Our health and financial information is stored online and devices are connected to control everything from home security systems to thermostats and TVs. While convenient, these connections open the door for possible malicious activity.

Topics: Small Business
2 min read

Navigating the Sharing Economy

By NAIC on 7/10/23 10:00 AM

The sharing economy is rapidly gaining popularity. PricewaterhouseCoopers (PwC) expects it to hit $335 billion in global revenue by 2025. Before you jump in on peer-to-peer transactions, understand how they work and how to avoid financial pitfalls.

2 min read

A Guide to Life Insurance for Military Families

By NAIC on 7/3/23 10:00 AM

To help members of the military better understand their life insurance needs, the National Association of Insurance Commissioners (NAIC) offers these tips and considerations.

Topics: Life Insurance & Annuities
4 min read

Life Insurance for Small Business Owners

By NAIC on 6/30/23 10:00 AM

For the over 500,000 entrepreneurs in the United States who begin their own businesses every month, making informed decisions regarding insurance can determine whether their first year is a success or failure. Regardless of the number of employees, whether products or services are being sold, or whether the business is operated from a home or a separate location, small business owners must take into account insurance considerations that differ significantly from those of individual consumers.

Topics: Life Insurance & Annuities Group & Employee Benefits Small Business Insurance
4 min read

All About Health Insurance: A Guide for Consumers

By NAIC on 6/26/23 10:00 AM

Having health insurance usually means you pay a premium every month and, in return, your health plan pays part of the bill when you need a service from a doctor or another provider to keep you healthy or treat a disease. Health insurance usually covers doctors' visits, prescription drugs, medical, and surgical services.

There are several different ways to get health insurance. Some people buy coverage on their own. Many people get coverage through their job or a family member's job. Others are covered through public programs like Medicare and Medicaid. State insurance regulators provide oversight for some of these types of health insurance. Different regulatory agencies have responsibility for other types of coverage. Explore the ways to get health coverage below.

Topics: Health Care Insurance
4 min read

How to Protect Your Small Business

By NAIC on 6/23/23 10:00 AM

For the more than half a million U.S. entrepreneurs who start a business each month, making the right insurance moves can mean the difference between a first-anniversary celebration and an inaugural-year flop. Whether you have one or a few hundred employees, sell products or offer services, or command your operation from inside or outside your home, your insurance considerations as a small business owner are quite different from those of an individual consumer.

Topics: Small Business Insurance
2 min read

Auto Insurance 101: Coverage Types and Rates

By NAIC on 6/19/23 10:00 AM

Auto insurance is one of the most used types of personal insurance. Most states require that you purchase some kind of insurance coverage to drive legally in the state. Auto insurance can be divided into two basic coverage areas: liability and property damage.

Two factors determine what you pay for auto insurance. The first factor is underwriting, where insurance companies assess the risk associated with an applicant. The second factor is rating; the rating assigns a price based on what the insurer believes it will cost to assume the financial responsibility for the applicant’s potential claim.

Topics: Insurance