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State Directory- Auto InsuranceAutomobile insurance covers you and members of your household while driving an insured car or any other vehicle not furnished for your regular use. It even covers other people when they are driving your insured car with your permission. Here are some of the policy features...
- Motorcycle InsuranceIf you have owned a motorcycle for a while or recently purchased a new one, you may have several insurance questions regarding your vehicle. Do you know what motorcycle insurance will cover, and the financial risks you possibly face in the event of an accident? Here are the top facts on why you should financially protect yourself with motorcycle insurance.
- Renters InsuranceRenters insurance offers the same general personal property coverage and liability protection as a homeowners policy. Thus, your camera is insured while you are on vacation, and you are covered if your grandfather clock crashes into the apartment lobby’s wall and leaves a gaping hole. In fact, most policies are surprisingly extensive and may include additional living expenses (also called loss-of-use coverage) if you are forced by fire or other damage to live elsewhere.
- Home InsuranceIf you think insurance for your condominium is covered by your association fees, think again. Typically, your monthly condo fees are used to fund a building insurance policy. To protect your belongings and yourself, you need to purchase a personal home insurance policy (type HO-6), which is designed for condos and co-op apartments.
- Condo InsuranceJust because the HOA insurance policy is baked into your existing condo fees does not mean that, as a condo owner, you don’t need additional coverage. HOA insurance won’t cover property damage or personal injury to anyone inside your condo unit, so condo insurance will be necessary to make sure you’re completely covered.
- Life InsuranceLife insurance is a unique but necessary asset. Because of its potential high yield and its tax-favored benefits it can be used to solve some of life’s perplexing financial problems.
- Health InsuranceDid you know group health insurance is one of the most critical benefits employees look for when applying for jobs? Most potential employees will look at it as an essential part of any compensation package as it is the most basic way many people protect themselves and their families.
- Disability InsuranceLife insurance will provide money for your family to live on at your death. Disability insurance will also provide money for your family to live on but the insured has not died. Rather, you are still alive, but not earning any income. You still need to eat, wear clothing, and your medical expenses may be significantly higher. In either situation, income has stopped. If the wage earner has died, expenses have also gone down for the family, where if the wage earner is disabled, expenses have likely gone up.
- Long Term CareMichael’s activities include both working “on the firm” and “in the firm.” Working on the firm, Michael serves as Chief Executive Officer. Working in the firm, Michael is the Partner-in-Charge of the Legacy and Lifestyle Protection and Employee Benefits departments. Michael earned his CLU degree in 1996 and is well versed in life, disability, and long-term care insurance policy design and underwriting. He is also familiar with advanced uses of life insurance including non-qualified benefit plans, golden handcuff programs, and using life insurance policies as a wealth building and supplemental retirement tool. Michael’s work in the Employee Benefits department includes serving as relationship manager for some of the firm’s larger accounts, including plan design (both insured and self-funded programs) for group medical programs and ancillary benefit plans.
- Business InsuranceSchechner Lifson Corporation is one of the largest regional insurance consulting and financial service organizations in New Jersey. The firm traces its origins back to 1903. Mr. Schechner entered the business immediately after graduation from Syracuse University (BS 1953). He received his CLU designation in 1957 and was President of the Newark Chapter in 1960. He has taught Business Insurance Planning for the Chartered Life Underwriters classes of the American College, Rutgers University, as well as lectured extensively from New York to Hawaii in the areas of Family Business Planning, Professional Firm Succession Planning, Supplemental Retirement Programs and related matters. He has been a speaker at the Million Dollar Round Table National meetings. He is a former member of AALU and the American Association of Pension Actuaries. He was a member of the Million Dollar Round Table for thirty-one consecutive years.
- Workers Compensation InsuranceDo you have employees or hire independent contractors or subcontractors? Is your business incorporated? Do you want to cover yourself, the business owner, for work-related injuries? If so, you need workers compensation insurance. Workers compensation insurance provides coverage for medical bills and lost wages arising from work-related injuries.
- Professional Liability InsuranceDo you have a specialized expertise, such as a medical professional, attorney, architect, engineer, insurance or real estate professional, software developer, or service provider? If so, you need professional liability or errors & omissions (E&O) insurance. Professional liability and E&O insurance provides coverage for errors and omissions in performing a service.
- Liability InsuranceDo you own real estate, rent a premises, manufacture/sell/distribute a product, provide a service? If so, you need general liability insurance. General liability insurance provides bodily injury and property damage coverage for claims arising from your premises, product, or service.
- Flood InsuranceWhen your home is flooded, it can lead to financial ruin if you don’t have the proper insurance. Note this: A basic homeowners policy won’t cover your flood damage to your home or personal property. You need flood insurance.