Insurance Tips

When choosing the perfect life insurance plan, there are dozens of factors to consider. Beyond the weight of determining how your family will be cared for after your passing, you’d do well to avoid these pitfalls when choosing plans and assigning beneficiaries. And please, when in doubt, don’t hesitate to contact a professional. It’s their job to know the inner-workings of the life insurance industry, not yours.

 

Never Name A Child: Though your children are likely the first thing that leap to mind when you think of protecting your future, be sure not to overstep and name them in your Will. Not only is it irresponsible to put the weight of shouldering this burden on a child, they aren’t legally able to receive the money until they are of age. Even so, there are countless horror stories of wealth being squandered by children too irresponsible to save. Imagine inheriting $78,000 from a parents life insurance, blowing it on a sports car, and then having it stolen in one week. Seem too wrong to believe? Well, it happened.

Avoid Group Insurance: While the idea of saving some spare bucks is enough to turn anyone’s attention, I suggest that you avoid going in on life insurance offered by our company. The times have taught us that job turnover is rapid, and the job you have today may be gone like a wisp of smoke tomorrow, taking your life insurance with it. Instead of banking on working where you currently are for the rest of your life, why not invest in a personal policy? That way, regardless of what happens, you’re protected.Robert Taurosa

Living Benefits: When choosing a policy, I suggest you pick one that offers living benefits. Whether you need the money to help afford a medical bill or minor expense, most modern policies offer an option to draw money from your healthy policy for expenses while you’re breathing enough to use it.

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Insurance Tips

Future Cars Pt 2

The realm of street-legal speed is a hotly contested one. Car companies will push the boundary as far as possible, squeezing more horsepower and shaving seconds off their 0-60 runs. This lRobert Taurosaatest entry in the world’s fastest car will surely run you a pretty penny, for both the price tag and any possible incursions with the law your joyriding might earn.

The current holder of the fastest production car is the Bugatti Veyron. The 16.4 Super Sport “World Record Edition,” is capable of some pretty astounding speeds. In a long enough stretch, this car can reach up to 270 mph. Capable of going 0-60 in 2 seconds, this speed demon will have you around the block and back seconds after the light turns green.

Though reaching the top-speed would prove difficult on any normal road, all the discerning driver would need is a rented landing strip. Considering the cost of this car, renting such a lavish speed strip should be a pittance. Just pushing the envelope on what it is to be street legal, the geniuses at Bugatti know speed, and know that their clientele expect it.

So, why? Why get a car so fast that you’d need specific situations to see what it’s capable of? The experience has been likened to riding in a space ship. The smooth curves of the interior match the wind-slicing body design, each bend meant to evoke a feeling of motion. This is more than a vehicle, it’s speed incarnate. Though the price may be steep for some, many would leap at the chance to sit behind the steering wheel for just a few minutes of uninhibited driving.

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Future Cars Pt 2

Future Cars Pt 1

Robert TaurosaYears ago, futurists predicted the year 2000 would be one of wonder and science. Cars with domed roofs zipping through the sky while we stand on automated sidewalks and take our meals entirely in pill form. Though that future may not have come true in its entirety, Google’s most recent development could be the next wave of the future. Having ripped a page out of Golden Age Sci-Fi and put it on the road, Google presents the self-driving car.

Showing off its most recent prototype last Saturday at the Community School of Music and Arts in Mountain View, California, Google proved that it owns the cutting edge. While prototypes of this vehicle were unveiled in May, Google has been road testing their latest creation since June. Keeping it sheltered from the public eye, Google kept their baby behind glass, only available for a chosen few to see.

Chris Urmson, the director of Google’s self-driving car program, announced the car’s many features. Along with your typical air-conditioning and power windows, you can elect to remove your accelerator pedal, brake pedal, and steering wheel. While the car does come with a fail-safe stop button, the final model will look entirely different. Only being a prototype, this early peek at what Google plans to offer has titillated many. Unveiling their vehicle as part of the Paint the Town project, Google sought local artists to submit artwork to be showcased on the vehicles. Introducing a concept as foreign and futuristic as a self driving car will take all the positive P.R. Google can muster.

With a history of successful innovations under their belt, it should come as no surprise that Google is the one to introduce such a major leap in the technology. While it may be several years before the highways are bustling with self-piloting cars, it’s no doubt that the future is upon us.

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Future Cars Pt 1

Automatic Racer

We’ve only just gotten used to cars that drive themselves, but now there’s a new trend coming around the bend. Formula One, known for cars breaking the sound barrier and peeling around the corners at breakneck speeds, has found a new competitor. With hopes of giving birth to a new breed of racing, the geniuses behind Formula One are hard at work with their latest sport.

Roborace, a futuristic take on racing, will be held by entirely unmanned vehicles. Designed to draw in crowds of younger viewers with its sci-fi bend, Roborace will combine the speed of the F1 racing with the precision of computer-driven vehicles. An offshoot of Formula E, the latest addition to the Formula One lineage, Roborace is part of a movement toward greener, healthier ways to race.

Robert TaurosaTouting their latest project as a fusion of future tech and modern modality, the brilliant minds behind Roborace are hopeful that showing how seamlessly the two cooperate will fill seats with eager viewers. Additionally, DARPA (Defense Advanced Research Projects Agency) has put up a large cash sum for any able developer able to race across the Mojave Desert in an unmanned vehicle. To this day, only one group has been able to cross the finish line, but the competition, designed to drive the production of smarter unmanned vehicles, has drawn plenty of attention.

Designed to tax the automation systems of driverless cars, this project is equal parts new sport and product test. While automated vehicles have become a reality, the programs that operate them have yet to be put to any real speed test. Roborace may not only be the most futuristic race to date but the birthplace of advanced driving A.I. For more information on this science fiction subject, follow the link here.

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Automatic Racer

Change of Plan

A massive leap in the treatment of those afflicted with malicious diseases, Prudential Financial recently announced that they will be offering their plans to those living with HIV. A long-standing rule prohibited those suffering with HIV to receive life insurance, but now Prudential is extending their hand. With the life expectancy of those living with HIV/AIDS climbing to new heights, people can now live fuller, longer lives while battling this terrible disease.

Modern science has done wonders in the war against this virulent disease. With the average life of an AIDS/HIV patient averaging 70 years, the disease once thought a death sentence is now something you can live with. In light of this recent development, Prudential thought it prudent to develop an insurance policy to accommodate those just looking to protect their family in the event the worst should happen.

Support groups have rallied behind Prudential Financial and their decision. Years of unjust abuse and clinical morbidity rarely left room for comfort with those living with HIV/AIDS. The treatment alone, dozens of pills and medications, is enough to drive anyone to desperation. This plan acts as an olive branch and an invitation to those who have long felt secluded by their condition back to a community.

Robert TaurosaMore than 1.2 million American are living with HIV, with an estimated 50,000 diagnosed with the virus each year. Though no cure for the disease exists currently, researchers have devoted hours of time and millions of dollars to find a solution. And while the insurance plan’s premiums will surely be higher than someone without AIDS/HIV, the mere creation of a policy for people that have been traditionally treated as pariahs is a sign that times are changing for the better. For more on the subject, follow this link.

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Change of Plan

Life Insurance Tips

When shopping for life insurance, it’s important to know the various things that can lead to a potential increase in your rates. Though the rates don’t fluctuate as severely as car insurance, there are certain elements that can directly impact your prices. Below are a few things to avoid if you’re interested in keeping your rates down.

Speeding Tickets: While they won’t do you any favors in the auto-insurance department, demonstrating a history of reckless behavior will surely increase your life insurance premiums. By having a backlog of tickets like some have family photos, your life insurance provider will see a red flag.

Tobacco Use: I’m not attempting to tell anyone how to live, but it’s a fact of life insurance that if you do smoke, your rates will go up. Dangerous, addictive, and main contributing factor to a myriad of dangerous diseases. If you can, limit or stop your smoking before pursuing a life insurance policy.

Heavy Alcohol Use: Another fairly obvious contributing factor to an increased premium, alcohol-related deaths are a very real and very serious problem. Over 82% of life insurance adjusters unanimously agree that alcohol abuse is a serious problem, and one that affects the cost of your plan.

Health: Both current, past, and familial family is very important for a life insurance agent. Though there is little you can do about a Robert Taurosafamily history of disease or illness, your health is your best asset. Maintaining your well being, physical fitness and a system of healthy habits is the best way you can ensure a low barrier to entry.
Following these short examples will not only help you to find a manageable life insurance plan but also ensure a certain level of happiness and health for your life. Remember, your life insurance isn’t meant for your benefit, but your life is.

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Life Insurance Tips

The Automated Automobile

The automobile market is changing in some unexpected ways. Ever since the concept of the automated car hit the streets, companies the world over have been thinking up ways to join in the race. While old hats like Volkswagen fall victim to their own poor planning and product placement, newcomers to the auto industry like Apple and Google are offering a piece of the future we’ve all wanted since the days of Golden Age science fiction.

While many are reluctant to let go of their gas-guzzlers, the wave of the future is inevitably going to be electric vehicles and battery power. Whether protecting the environment with their lack of emissions or severing our reliance on fossil fuels, the benefits of electric cars outweigh any potential detriments.

Robert TaurosaAlong with the advent of clean-running cars, inventors have begun developing hands-free vehicles. The concept, similarly helpful as removing fossil fuels, has many more benefits than its classic counterpart. While some cars will have an option to make them able to be manually operated, a simple button press will perform all the necessary functions of a car. Reducing incidents of traffic fatalities, and subsequently dropping the cost of repairing damaged roads and the man-hours needed to attend to the grim aftermath will allow us as a race to more appropriately allocate our time and energy.

The design of modern electric cars not only remove the need for expensive and environmentally impactful fuels but will offer more direct and consistent power. Where a fuel-based engine’s output is directly related to the force exerted on the pedal, the controlled and evenly distributed power of an electric engine can deliver real power over sustained use. While the fantasy of flying cars remains elusive to this day, we may soon live in an era where we can all face each other while we zip down the road. A time where snow, rain, and inclement weather are little more than hindrances for your onboard computer to map and avoid.

 

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The Automated Automobile

Small Business and Life Insurance

Opening a family business brings with it a fair share of personal responsibility. Among a myriad of choices for you to make, one of the most important is life insurance. Your family, employees, and your future are all dependent on the plan you choose. With your entire livelihood to safeguard, what are some tips you can use to help shoulder the burden of choosing your ideal insurance? What are some of the benefits you can look forward to?

Employee Assurance: Few companies can offer comprehensive coverage for their employees. Far too often workers will take a lower wage job if it means insurance. Life insurance is especially rare for the average employee, so offering it can mean the difference between an employee who looks elsewhere, and one who stays for the long haul.

Safety Net: The purpose of life insurance is to protect your loved ones should the worst happen, and that possibility doesn’t change when you own your business. Protecting yours and your employees families not only sends the message that you’re meticulous in your organization but a caring manager.

Estate Tax: When your business starts to earn and flourish, your success can cost you additional funds from the government. Estate Tax is one of those additional expenditures that can cost your family big and even lead to their needing to sell off your company in the event the worst should happen. The payout from a life insurance policy can help manage those payments and prevent the need for any drastic action like selling the family home or business.

Debt Relief: For many, starting their own business comes atRobert Taurosa great personal cost. Whether that means taking out a series of loans or a second mortgage, few are able to join the entrepreneurial ranks at little to no cost to themselves. In the worst-case scenario, an unexpected loss of a family member, let alone the main earner can be a tremendous blow to your family. Though you may be gone, your debts tragically remain intact. Should you want to spare your family the process of parceling out your company to shoulder this burden, life insurance can prevent even more grief.

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Small Business and Life Insurance

Google Wheels

Google has always been on the cutting edge of technology; their contributions to the modern world, substantial. From Chrome to Glass, there isn’t much Google doesn’t have a hand in. This pioneering spirit left no room for surprise when Google announced their latest foray into the automobile industry. Though fraught with antipathy, Google’s self-driving car is off the testing floor and on the road.

When Google’s autonomous car was first unveiled, auto-industry enthusiasts laughed it off as a “self-driving toaster.” Absent from Google’s vehicle are the frills and body curves that define luxury automobiles, and its function over form design left analysts scratching their heads as to the practicality of such a practical vehicle in a market where style so often trumps substance. However, recent movement in Google’s auto department has these former executives shaking at their steering wheels.

Joining the Google team to assist in their automotive initiative, John Krafcik, former CEO of Hyundai Motor America and president of TruCar, is one of the industry’s heaviest hitters. Those industry professionals so eager to mock Google’s entry into the market found their words hard to swallow when faced with a clear and definitive answer with plans for future involvement in the auto industry.

Robert TaurosaAs they have in the past when Google has decided to change the world, they form a crack team of industry experts. John Krafcik is the first of many powerful industry names to join the cause. Google’s roster of famous names includes former Boeing CEO Alan Mulally and GM’s former boss of R&D Lawrence Burns. This tremendous joining of skill and industry know-how makes Google’s roster something to be feared.

As traffic deaths continue to rise as the amount of in-car distractions increase, Google is projecting a reduction of nearly 30,000 traffic-related incidents. The simple to use interface has all of three buttons for going, slowing, and quickly stopping. This newfound freedom from the responsibilities of the road allows Google to completely redesign the interior of their vehicle when the model is ready to hit the street. The “cars of tomorrow” we were promised so long ago, may finally be making their first appearance.

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Google Wheels

AIG Fights For Its Life Insurance

AIG (American International Group) has been embroiled in a court case with their life insurance company, Coventry First, since last week. Stating that Coventry has been overcharging them for years, AIG is seeking reparations in the amount of $1.76 billion for damages, and the potential harm visited on the accounts of elderly employees. Accusing Coventry First of not only artificially inflating the prices of nearly 300 accounts but doing so in such a way as to conceal their dealings, AIG is not pulling punches..

Robert TaurosaIn what can only be described as a mafia-esq scheme to hide their business transactions, Coventry First’s blatant and inappropriate use of money they had no right to claim has placed more than a target on their back. Though Coventry claims the policy prices were being manipulated with AIG consent, few can deny the shady and back-alley nature of these deals. investors purchasing these insurance plans on the secondary market need only pay the premiums, and they become the sole beneficiary when the owner of the policy passes on.

Of the nearly 7.000 life settlements purchased from Coventry with a face value of $20 billion, Coventry required an additional $150 million in disguised markups and fees. AIG said it’s entitled to more than $250 million in damages, including interest, based on pretrial rulings that found Coventry liable on certain breach of contract claims. AIG is also looking to have Coventry disclose all collected fees, including legitimate payments for undisputed policies, as well as to impose triple damages under the civil racketeering statute.

It is never wise to play games with other people’s money, and Coventry is now reaping the horrible wind that they’ve sewn. Though the trial continues, the dollar amounts being tossed around in court are staggering, and can make or break whoever comes out the victor.

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AIG Fights For Its Life Insurance