Motor Vehicle

• Auto Insurance
  In the investment world, risk is the chance that an investment will lose value. But how does one measure risk, particularly in a period right now where risk seems to be everywhere? Some investors look at risk as price volatility. For instance, we look at statistical measures such as standard deviation to understand the price volatility associated with a particular investment. This is a lot like how an insurance company may look at pricing your auto insurance. Using statistics such as your age and driving history does provide some insight into how risky individuals of your age and driving history may be to insure. But statistical measures by their very nature are backwards looking and based on events that happened in the past.

Health and Life

• Life Insurance
  Webster’s defines the word risk as “the possibility of incurring loss or injury”. Most life insurance companies consider scuba diving to be a high-risk activity. Yet, on this diving trip, no one on my dive boat experienced any loss or injury. We did have one diver that panicked during a dive due to the strong currents, but the dive master was able to calm the diver and keep things under control.
• Long Term Care

Business

• Business Insurance

Personal

• Identity Theft Insurance