An expose of insurance injustice and a plan for consumers and lawmakers to fight back—now available in audiobook format.The denial of valid insurance claims is not occasional or accidental or the fault of a few bad employees. It's the result of an increasing and systematic focus on maximizing profits by major companies such as Allstate and State Farm. Citing dozens of stories of victims who were unfairly denied payment, the book explains how people can be more careful when shopping for policies and what to do when pursuing a disputed claim. It also lays out a plan for the legal reforms needed to prevent future abuses. Read more

Organizing your affairs can be challenging, but it's a crucial step in planning for the future, not just in case you pass away but also in case you are sick or injured and become disabled.Naturally, nobody ever wishes to becoming sick or incapacitated, but if you don't prepare, it can make an already difficult situation worse for your loved ones.It can be a good idea to give gifts to men and women for holidays like Halloween, Christmas, Thanksgiving, and birthdays.This planner and diary includes the following items:This is a personal record.Important contactsSocial StatusImportant DocumentsMy propertyFinancial informationInsurance related informationInternet and email accountsMy wishes for...Letters toMy apologiesRecommendations about my funeral.Book details:Pages: 104 Pagessize :(8.5 x 11) Inch Read more

WARNING: Don’t Even Think About Trying To Build Wealth Until You Read This.Ever wondered how you could build wealth, ensure financial security, and yet keep it all tax-free?Are you struggling to navigate the complex world of financial planning and investment strategies?Personal finance, especially life insurance, can seem like a labyrinth of confusing terms and obscure strategies.But what if there were a straightforward, understandable way to navigate it all?In fact, 63% of households consider life insurance a necessity, but few are aware of its incredible potential as a wealth-building tool.It's time to transform the way you see life insurance. With this handy guide, you will uncover the often-overlooked potential of life insurance as a tool for building wealth, completely tax-free.Just picture this: Your investments are growing tax-free, ensuring both your wealth build-up and financial security for your loved ones.All of this is possible with the strategic use of life insurance.In this book, you will discover:The full tax-free potential of life insurance, setting the stage for a financial transformationThe secret weapon in your investment arsenal to build a robust, diverse portfolio that thrives even in economic uncertaintiesThe hidden layers of life insurance: unearth the benefits that offer a distinct edge in wealth creation, setting you apart from traditional investorsHow to transform your seemingly regular life insurance policy into an ever-churning wealth generator, ensuring a financially secure futureHow to navigate potential pitfalls and convert them into stepping stones toward financial stabilityHow to select a life insurance policy that syncs perfectly with your unique financial goals and aspirationsEnergize your financial blueprint – integrate advanced life insurance strategies, providing a clear pathway to optimized estate planning and maximized retirement incomeStay a step ahead: embrace industry trends and changes, leveraging them to further enhance your life insurance benefitsAnd much more.Advanced life insurance strategies for maximizing retirement income and estate planning…Staying ahead of the game by understanding future trends in the life insurance industry…You might be thinking, "But I'm not a financial expert!" or "Sounds complex and time-consuming!" But don't worry.This book is written in a friendly, easy-to-understand manner, making the complexities of life insurance and tax planning accessible to everyone.If you’re ready to unlock the wealth-building potential of life insurance, then scroll up and click the “Add to Cart” button right now. Read more

After reading you will be empowered to:+ Avoid the mistakes of the Panama Papers and the Paradise Papers+ Learn methods employed by the world’s wealthiest families+ Master the secrets of the world’s largest and most successful law firms+ Become fully tax compliant with FATCA, CRS, and BEPS+ Achieve exceptional results that will save you a fortune+ Embrace the most powerful asset structuring tool ever--Expanded Worldwide Planning (EWP) Scroll to the top and click the “buy now” button, and your asset structuring issues will evaporate. Read more

LEARN HOW THE MODERN INSURANCE INDUSTRY FUNCTIONS AND DYSFUNCTIONS With Pay Up!, attorney Chip Merlin exposes the bad faith practices of insurance companies that take advantage of their own customers. The claims process has become so automated that legitimate claims are denied without ever being seen by human eyes. Exceptions and exclusions are buried within small print that can bury your claim. Many claims departments operate under a culture of paranoia in which legitimate claims are denied, sometimes accidentally, sometimes not. Cost-cutting measures birth “self-serve” policies that force the policyholder to do the insurer’s job. Insurance lobbyists are so enmeshed in the political process that it can be hard to know whose side industry regulators are on. Commercial and individual policyholders pay premiums with the understanding that insurers will pay claims fairly, fully, and promptly. It’s time for the insurance industry to Pay Up! Read more

This casebook, which has been used as the principal text in more than one hundred law schools, contains extensive material on insurance contract formation and interpretation; insurance regulation; insurable interest and liability for bad-faith breach; property, health, life, and disability insurance; commercial general liability and directors & officers liability insurance; auto insurance; and reinsurance. The casebook gives equal emphasis to personal and commercial insurance, and reprints within the relevant chapters four standard-form insurance policies. The Seventh Edition includes a new stand-alone chapter on health insurance as well as new materials addressing the American Law Institute's Restatement of the Law of Liability Insurance and long-term care insurance. It also includes substantially updated materials on a range of issues, including liability insurers' duty to settle, concurrent causation, and the number of "occurrences." The new edition also includes some updated standard-form insurance policies and declaration pages. Read more

None

Organizing your affairs can be challenging, but it's a crucial step in planning for the future, not just in case you pass away but also in case you are sick or injured and become disabled.Naturally, nobody ever wishes to becoming sick or incapacitated, but if you don't prepare, it can make an already difficult situation worse for your loved ones.It can be a good idea to give gifts to men and women for holidays like Halloween, Christmas, Thanksgiving, and birthdays.This planner and diary includes the following items:This is a personal record.Important contactsSocial StatusImportant DocumentsMy propertyFinancial informationInsurance related informationInternet and email accountsMy wishes for...Letters toMy apologiesRecommendations about my funeral.Book details:Pages: 106 Pagessize :(8.5 x 11) Inch Read more

Newly hired financial advisor? Or a seasoned pro looking to sharpen your edge?Just knowing how to set up and launch a Facebook ad isn’t enough.Life insurance Facebook advertising is a completely different ballgame.Your product is unique.The way your clients perceive it is unique.And that means your approach to advertising needs to be unique too.Most life insurance agents fail with Facebook ads because they use the same old tactics designed for everyday products.But life insurance isn’t just a product. It’s a promise—security, peace of mind, and a legacy. Selling that requires more than just a few clicks. It demands the right mindset, the right positioning, and a tailored advertising approach.The Secrets to Facebook Life Insurance Advertising 2025 is your step-by-step guide to mastering the art of Facebook ads for life insurance.In this book, we’ll dive deep into:The right approach to ad copy: Write ads that connect emotionally and inspire action.The right approach to ad creatives: Design scroll-stopping visuals that grab attention.The right approach to targeting: Find the audience that actually needs your services.The right approach to scaling: Grow your campaigns without wasting money.Consider This an Investment in YourselfWhether you’re just starting in the industry or you’ve been at it for years, this book is designed to help you break free from outdated strategies and embrace what really works.It’s time to stop wasting money on ads that don’t convert and start building campaigns that generate leads, build trust, and grow your business.Are you ready to take your life insurance advertising to the next level?Your journey starts here. Read more

In the commercial insurance industry, the commercial general liability (CGL) policy is the most common form of liability insurance purchased by both public and private sectors in the United States and is perhaps the most litigated insurance product in the marketplace. CGL policies provide the insured with a broad spectrum of protection against unintentional and unexpected risk arising out of the conduct of the insured's business.The Reference Handbook on the Commercial General Liability Policy, Third Edition, provides concise overviews of the most salient points of insurance litigation over CGL policies. The Third Edition tracks the standard ISO CGL form and includes general updates on a host of coverage issues, such as the insurer's duty to defend and indemnify, the policyholder's duty to comply with policy conditions, "occurrence" triggers, covered injuries, damages, insured status, exclusions, loss allocation, and issues beyond the four corners of the policy, like bad faith and jurisdictional concerns. The Third Edition adds new chapters on Coverage C and Supplementary Payments, and weaves in emerging issues such as computer-related liability and opioid litigation.This collaborative work is written by experienced counsel representing both policyholders and insurers. The handbook offers seasoned practitioners with foundational material and leading case law to jump start their research, while guiding newer practitioners through the complexities of CGL policies. Read more

Despite the relative uniformity of general liability policies (and professional liability policies), states can differ widely in their interpretation and application of them. Case law can have a dramatic impact on the question whether coverage is owed. Simply put, those involved with liability claims cannot adequately assess coverage issues without knowing how case law in the relevant state may impact the decision."General Liability Insurance Coverage -- Key Issues in Every State" (Vols. I and II) sets forth the rules that have been adopted by all 50 states, and the District of Columbia, for 20 important and commonly occurring general liability insurance coverage issues. And about half the issues are just as relevant for professional liability claims scenarios.50 State Surveys on insurance coverage issues are inherently limited. "Key Issues" understands this and seeks to provide as much relevant information as possible to maximize its usefulness. To the extent possible, "Key Issues" sets out the aspects of cases (e.g., facts and/or policy language) that were at issue in the court’s decision. This enables the reader to compare the cases in the book, to his or her claim at hand, and come away with an understanding of how the issue may be resolved by a court.Chapters Included (Vol. I) —Choice of Law; Late Notice; Coverage for Pre-Tender Defense Costs; Duty to Defend Standard: “Four Corners” or Extrinsic Evidence?; Insured’s Right to Independent Counsel; Insurer’s Right to Reimbursement of Defense Costs; Prevailing Insured’s Right to Recover Attorney’s Fees in Coverage Litigation; Number of Occurrences; Coverage for Innocent Co-Insureds: “Any” Insured vs. “The” Insured; Is Emotional Injury “Bodily Injury?”Vol. II Chapters: Is Faulty Workmanship an “Occurrence?”; Permissible Scope of Indemnification in Construction Contracts; Qualified Pollution Exclusion; Absolute Pollution Exclusion; Trigger of Coverage for Latent Injury and Damage Claims; Trigger of Coverage for Construction Defects and Non-Latent Injury and Damage Claims; Allocation of Latent Injury and Damage Claims; Insurability of Punitive Damages; First- and Third-Party Bad Faith Standards; and the ALI’s Restatement of the Law of Liability Insurance. For more information visit www.InsuranceKeyIssues.com Read more

My Final Wishes Organizer End of Life PlannerWhen the time comes, will your loved ones know how to manage your final affairs? Simplify their task and guide them through the intricate process of end-of-life planning with this comprehensive organizer.My Final Wishes Organizer End of Life Planner is a crucial resource for preparing for the end of life, offering clarity and reassurance for both you and your family. This planner ensures your final wishes are understood and executed according to your desires.What’s Included:Before you read this journalPersonal InformationFamily InformationImportant contacts - Attorneys, Family, Relatives, Doctors, Friends, Others..Medical InformationPets InformationImportant DocumentsFinancial information - Bank Accounts, Safe Deposit Boxes, Retirement Accounts, OtherProperties Information - Jewelry, Heirlooms, Personal Items…Insurance information - Life Insurance, Home Insurance, Health Insurance, Auto Insurance, Other Insurances (Renter’s, Pet, ...)Household information - Utilities, Creditors, OtherInternet Accounts - Email, Facebook, Twitter, LinkedIn, InstagramMy Funeral WishesMy RegretsMy Proudest MomentsMy ApologiesAspirations For OthersLife Lessons LearnedMy Wishes For My SpouseMy Wishes For My ChildrenMy Wishes For My RelativesMy Wishes For My PetsLetters toExpression of GratitudeMy Last Words Read more

This text is a general introduction to American judicial process. The authors cover the major institutions, actors, and processes that comprise the U.S. legal system, viewed from a political science perspective. Grounding their presentation in empirical social science terms, the authors identify popular myths about the structure and processes of American law and courts and then contrast those myths with what really takes place. Three unique elements of this "myth versus reality" framework are incorporated into each of the topical chapters:1) "Myth versus Reality" boxes that lay out the topics each chapter covers, using the myths about each topic contrasted with the corresponding realities.2) "Pop Culture" boxes that provide students with popular examples from film, television, and music that tie-in to chapter topics and engage student interest.3) "How Do We Know?" boxes that discuss the methods of social scientific inquiry and debunk common myths about the judiciary and legal system.Unlike other textbooks, American Judicial Process emphasizes how pop culture portrays―and often distorts―the judicial process and how social science research is brought to bear to provide an accurate picture of law and courts. In addition, a rich companion website will include PowerPoint lectures, suggested topics for papers and projects, a test bank of objective questions for use by instructors, and downloadable artwork from the book. Students will have access to annotated web links and videos, flash cards of key terms, and a glossary. Read more

This book will help you become the ultimate assassin in the insurance field. Ultimately, the game of business is not just about money. It's about acquiring the "Have it all lifestyle". This book will show you how.Steven has built, sold, and partnered on numerous business ventures over the last 30 years. He is currently the Chief Executive Officer of United One Insurance. Read more

Mr. Ortiz receives dozens of calls each month from individuals seeking assistance in disability claims. In addition to Social Security disability claims, many of these calls include questions concerning Long Term Disability (“LTD”), Short Term Disability (“STD”), Individual Disability Insurance and ERISA disability claims. When people seek assistance, they advise what they’ve already done in the claim on their own. Some are seeking assistance in applying for benefits. Others are seeking assistance in appealing a denial. And still others request help after their benefits have been cut off.After years of practice, Mr. Ortiz learned that claimants routinely make the same critical mistakes that can forever destroy their chances of ever collecting on their disability claims. That’s why he wrote this book. He wants to try and assist claimants in avoiding the most common mistakes in the claim process. If you visit his website www.FloridaLTDLaw.com, you will learn more about how the laws and regulations concerning disability insurance are very heavily stacked against individual policyholders in favor of the insurance companies. This book attempts to try and balance the deck stacked against claimants. For some claimants, the advice in this book may make the difference in collecting thousands of dollars of benefits. For others, this book may make the difference in hundreds of thousands, or even millions of dollars in benefits. Read more

RISK IS UNCERTAINTY AS TO LOSS...RISK IS OMNIPRESENT AND ALL PERVASIVE...INSURANCE PROTECTS AGAINST THE ECONOMIC LOSS CAUSED BY RISKThis book provides an actionable approach to the functions of the insurance industry in an easy to use examination of property, liability, life and health insurance coverages plus information on the basics of a risk management program. Read more

After your injury: Settle your claim the right way When you’ve been hurt in an accident, the prospect of dealing with insurance companies and lawyers can feel daunting. But armed with the right strategy, you can handle a claim yourself—and save thousands of dollars in the process. How to Win Your Personal Injury Claim guides you through the insurance claim process, step by step. After almost any kind of accident, you’ll learn how to: figure out what your claim is worth gather the right medical records and accident reports prepare an effective demand letter counter insurance company delay and other common tactics negotiate your way to a full and fair settlement, and stay on top of your case if you hire a lawyer. This completely updated edition How to Win Your Personal Injury Claim includes the latest state-by-state lawsuit filing deadlines and small claims court limits. Read more

Psychologically, people’s relationship with insurance is a complex, emotional journey. In reality, the simplistic, uncomplicated manner of insurance is a beautiful thing. It is designed like a lottery that always pays when a specific future risk element is incurred. And yet, time and again, there are an abundance of illustrations showing abuse and gratitude working in kind, usually fueled by an entitlement attitude that they’re somehow going to scheme to take more. These are their stories. Read more

“Open Before Crisis is hands-down the most comprehensive and easy to read guide that every CPA Firm and frankly small business leader should read. The content goes far beyond simply a conversation about cyber insurance and provides both education and guidance to protect you, your staff, your vendors and your clients from the what-if scenario of a cybersecurity attack.” -Byron Patrick, CPA, CITP/CGMA, CCA, MCSEDirector of Presales & Solutions at Botkeeper "Joe and Dan make what could otherwise be a dry and technical subject engaging, refreshing, and stimulating to read. Books on insurance and cybersecurity policies aren't usually classified as page turners, but once I started this book, I didn't want to put it down. For anyone working in financial services, this book is a must read, and would make a worthy addition to any professional collection."-Dr. Sean Stein Smith, CPA, CGMACity University of New York - Lehman CollegeVisiting Fellow (2019) American Institute for Economic Research “When dealing with a complex issue like cyber-security you want someone on your team who isn’t just knowledgeable, you want someone who is the expert in the area. This book proves why they and their team are not just a resource, but the only resource, to help CPA firms deal with the complex issue of cyber security threats we are faced with today. As a practitioner, you can count on the partner steps listed throughout the book so you have a list of follow up items ready for you and the 12 golden rules at the end are a must read for everyone.”-Garrett Wagner, CPA/CITP CEO/Founder C3 Evolution Group Read more

Claim Secrets you must know to get what you paid for from your insurance policy. It is important to understand you have options when an insurance company denies your homeowners insurance claim or pays you less than you are entitled to. This book targets water, wind, hail, all homeowners insurance claims. Don’t Settle Your Homeowners Insurance Claim For Less Than You Are Entitled To! It is important to understand you have options when an insurance company denies your homeowners insurance claim or pays you less than you are entitled to. When an adjuster inspects your insurance claim there are key items they will look for to avoid paying your claim. From America’s foremost insurance claims guru and author of the Gunn Guides to insurance claims comes this tell all on how claims adjusters operate, how insurance companies “work” your claim, and how you can get what your entitled to under your insurance policy. How to Get the Insurance Company to Pay You…. Travis Gunn will show you exactly how to get the most money for your insurance claim. With this information you will learn how to: Get advance payments on your settlement So you are not stuck with the bill months before you ever see a check from the insurance company. Negotiate with strength and authority Spot the secret tactics insurance companies use to minimize your payment. Step-by-step guide to reopen your denied claim and receive a payout successfully. Change adjusters You are not stuck with the adjuster that is first assigned to your homeowners insurance claim and we will show you how to request a new adjuster within the required timeframe. Working with the right contractor File complaints and know when and who to complain to. Identify unfair claim handling Insurance is a complex business, with many tricks and traps the insurance company uses to avoid paying your claim. We identify these mistakes homeowners make and explain how to avoid them. Read more