Your State Insurance Departments Mission

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Your State Insurance Departments Mission

• To protect the public interest
• To promote competitive markets
• To facilitate the fair and equitable treatment of
  insurance consumers
• To promote the reliability, solvency and
  financial solidity of insurance institutions
• To support and improve state regulation of
  insurance

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Survey of U.S. Consumers

• Young singles
• Young families
• Established families
• Empty nesters/seniors

Young Singles
Young Families
Established Families
Empty Nesters/ Seniors
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Did You Know

• 20 of young singles say they would let their
  auto insurance policies lapse to save money

• 18 would decline employer health insurance to
  save money

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Did You Know

• Among young families
• Fewer than half have life insurance purchased
  on their own foreither spouse

• Over a third do not see the importance of both
  spouses havinglife insurance

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Did You Know

• More than half of established families do not
  understand terms of health insurance continuation
  under COBRA

• They have to pay the full cost of their premiums
• Coverage ends after 18 months

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Did You Know

• Only 12 of empty nesters/seniors think they are
  likely to need long-term care

• They significantly underestimate the cost of such
  care
• Their annual estimate 35,000
• Actual annual cost 70,000
• Source MetLife Mature Market Institute

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Did You Know...

• Broad need for greater awareness about fake
  insurance

• 45 of consumers not suspicious about policy that
  costs significantly less than comparable ones

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Public Education Initiative
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Get Smart about Insurance

• Learn the basics

Auto
Home
Life
Health
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Basics Tips

• Shop around
• Protect yourself against fake insurance companies
• Review your coverage annually

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Introduction to Auto Insurance
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Introduction to Auto Insurance

• Policy components
• Liability
• Bodily injury to others
• Damage to others property
• Uninsured motorists injury/damage to you

• Property damage
• Collision
• Damage to your car from colliding with object
• Comprehensive
• Damage to your car from other causes

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Introduction to Auto Insurance

• Premiums affected by
• Type/model/age of car

• Safety features
• Anti-theft devices
• Where you park
• Geographic region
• Weather conditions
• Traffic patterns
• Risk of theft
• Driving record
• Your claims history
• Deductible

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Introduction to Home Insurance
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Introduction to Home Insurance

• Homeowners
• Home structure, personal property

• Renters
• Only personal property
• Actual cash value
• Replacement cost
• Flood insurance
• Not included in home owners/renters policies
• Available via National Flood Insurance Program
  (NFIP)
• Tip Inventory your personal property

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Introduction to Home Insurance

• Premiums affected by
• Homes characteristics
• Age, type of structure, wiring, roof, garage

• Location, e.g.
• Proximity to a fire station
• Exposure to extreme weather
• Theft-prone area

• Home protective devices, e.g.
• Burglar alarms
• Smoke detectors/fire extinguisher
• Sprinkler systems
• Dead-bolt locks
• Homeowners characteristics
• Non-smoker
• Good credit history
• Previous claim history

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Introduction to Life Insurance
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Introduction to Life Insurance

• Term insurance
• Covers you for term of one or more years
• Pays death benefit only if you die in that term
• Generally offers largest insurance protection per
  dollar
• Does not build up cash value
• May not be renewable

• Permanent insurance (whole life, universal life,
  variable universal life)
• Provides long-term financial protection
• Typically combines both death benefit and cash
  savings
• Premiums tend to be higher 

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Introduction to Life Insurance

• Premiums affected by
• Age you purchase your policy

• Overall health
• Pre-existing/chronic health problems, e.g.
• Diabetes, heart disease, cancer, sexually
  transmitted diseases
• Poor health habits, e.g.
• Smoking, excessive drinking
• Dangerous hobbies, e.g.
• Skydiving, skiing, rock climbing
• Driving record, e.g.
• Accidents, DWIs, claims, tickets
• Your geographic area

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Introduction to Health Insurance
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Introduction to Health Insurance

• Types of plans
• Major medical plans

• Indemnity
• Preferred provider organization (PPO)
• Health maintenance organization (HMO)
• Point of service plans (POS)

• Limited benefit plans
• Provide coverage for particular health care
  setting,ailment or disease, e.g.
• Basic hospital expense coverage
• Accident only coverage

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Introduction to Health Insurance

• Additional coverage options, e.g.
• Disability
• Long-term care
• Medicare supplemental

• Non-insurance options
• Discount plans
• Non-licensed risk-sharing plans

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Introduction to Health Insurance

• Controlling your costs
• If both spouses have employer-provided coverage,
  carefully compare costs/benefits

• Regularly review your specific needs and adjust
  coverage options
• Stay in network as much as possible
• Obtain referrals, as required
• Comply with pre-certification requirements
• Hold onto receipts, should you exceed your
  deductible
• Participate in flexible spending account, if
  offered by your employer
• Consider combining a high-deductible catastrophic
  plan with an HSA, if offered by your employer

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Pop Quiz!

• Which of the following actions may help reduce
• your auto insurance premiums
• Completing a defensive driving refresher course
• Dropping collision insurance if your car is older
• Raising your deductible
• Parking your car in an indoor garage or locked
  parking lot
• All of the above

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Pop Quiz!

• Which of the following actions may help reduce
• your auto insurance premiums
• Completing a defensive driving refresher course
• Dropping collision insurance if your car is older
• Raising your deductible
• Parking your car in an indoor garage or locked
  parking lot
• All of the above

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Pop Quiz!

• You have the option to insure your home and
  belongings
• for their replacement costs. Which of the
  following
• statements is TRUE?
• Replacement cost coverage takes into account the
  amountof time you have owned the home or your
  belongings.
• Replacement cost coverage provides payment to
  replace or rebuild your home or repair damages as
  you please,without restrictions on the kind or
  quality of materials used.
• Replacement cost is the amount it would take to
  replace or rebuild your home or repair damages,
  without deducting for depreciation.

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Pop Quiz!

• You have the option to insure your home and
  belongings
• for their replacement costs. Which of the
  following
• statements is TRUE?
• Replacement cost coverage takes into account the
  amountof time you have owned the home or your
  belongings.
• Replacement cost coverage provides payment to
  replace or rebuild your home or repair damages as
  you please,without restrictions on the kind or
  quality of materials used.
• Replacement cost is the amount it would take to
  replace or rebuild your home or repair damages,
  without deducting for depreciation.

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Pop Quiz!

• Which of the following definitions of term life
  insurance
• is TRUE?
• Term life insurance is coverage that typically
  ends at the age of 40, while whole life insurance
  covers you until you reach the age of 65.
• Term life insurance is coverage at a guaranteed
  rate for a specified period of time, while whole
  life insurance covers you for as long as you live
  if your premiums are paid.
• Term life insurance is a flexible policy that
  lets you vary your premium payments.
• Term life insurance allows you to borrow against
  the policy.

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Pop Quiz!

• Which of the following definitions of term life
  insurance
• is TRUE?
• Term life insurance is coverage that typically
  ends at the age of 40, while whole life insurance
  covers you until you reach the age of 65.
• Term life insurance is coverage at a guaranteed
  rate for a specified period of time, while whole
  life insurance covers you for as long as you live
  if your premiums are paid.
• Term life insurance is a flexible policy that
  lets you vary your premium payments.
• Term life insurance allows you to borrow against
  the policy.

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Special ConsiderationsYoung Singles
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Auto 101 Car Driver

• Stay on your parents policy, if possible
• Dont let coverage lapse
• Control costs prudently
• Consider how insurance rates vary with
  type/model/features of car

• Dont go overboard with liability coverage
• Consider dropping collision coverage for older
  car
• Raise your deductible
• Commute via public transportation
• Suspend coverage if youll be traveling or
  deployed in military
• Take defensive driving course
• Maintain good driving record
• Maintain good grades

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Home 101 Living Single

• Understand renters insurance
• Whats covered, whats not

• Whos liable
• Owning your own policy

• Control costs prudently
• Install smoke detectors/place fire extinguishers
  in key locations

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Life 101 Lessons for Life

• Weigh costs/benefits of purchasing at a young age
• Permanent, term
• Servicemans Group Life Insurance (SGLI)

• Control costs prudently
• Understand impact of
• Pre-existing/chronic health problems

• Poor health habits
• Smoking, excessive drinking
• Driving record
• Dangerous hobbies, e.g.
• Skydiving, skiing, rock climbing

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Health 101 I Got a Joband Health Insurance Too

• Even though youre young/healthy, never forgo
  coverage
• Know your familys health history
• Understand when
• Parents/school coverage ends
• Employment coverage begins
• Weigh health coverage in assessing job offers

• To control costs or cover interim period,
  consider
• High-deductible major medical policy
• Catastrophic health coverage

• Health Savings Account (HSA)

• For physically demanding jobs, consider
  disability coverage
• Provides lost income in event of injury that
  prevents you from working

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Pop Quiz!

• At this stage of your life, you might be
  considering buying
• your first car. Which of the following aspects of
  your
• vehicle does NOT affect your auto insurance
  premiums?
• Make and model of the vehicle whether it is an
  SUV, convertible or an economy car etc.
• Theft-ability Factor Whether the vehicle you
  are considering is prone to theft more than the
  others
• Safety devices installed in the vehicle
• Fuel efficiency of the vehicle

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Pop Quiz!

• At this stage of your life, you might be
  considering buying
• your first car. Which of the following aspects of
  your
• vehicle does NOT affect your auto insurance
  premiums?
• Make and model of the vehicle whether it is an
  SUV, convertible or an economy car etc.
• Theft-ability Factor Whether the vehicle you
  are considering is prone to theft more than the
  others
• Safety devices installed in the vehicle
• Fuel efficiency of the vehicle

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Pop Quiz!

• What is renters insurance?
• An insurance policy aimed at covering the
  landlords possessions or property
• Insurance on a rented car or rented boat
• Insurance that protects the insureds belongings
  and provides liability coverage against damages,
  losses and accidents that occur in a rented
  residence
• There is no such thing. If you rent, you and your
  possessions are covered under the property
  owners insurance.

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Pop Quiz!

• What is renters insurance?
• An insurance policy aimed at covering the
  landlords possessions or property
• Insurance on a rented car or rented boat
• Insurance that protects the insureds belongings
  and provides liability coverage against damages,
  losses and accidents that occur in a rented
  residence
• There is no such thing. If you rent, you and your
  possessions are covered under the property
  owners insurance.

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Pop Quiz!

• Often the health insurance coverage you have from
  your
• college or under your parents policy ceases when
  you
• graduate. Which of the following is the LEAST
  desirable
• option to obtain interim health coverage until
  you get
• coverage through an employer?
• Using interim coverage offered by some colleges
  to their recent graduates
• Purchasing the policy with the lowest premiums
  regardless of the coverage
• Purchasing catastrophic health coverage as a
  short-term measure
• All of these are good, risk-free options

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Pop Quiz!

• Often the health insurance coverage you have from
  your
• college or under your parents policy ceases when
  you
• graduate. Which of the following is the LEAST
  desirable
• option to obtain interim health coverage until
  you get
• coverage through an employer?
• Using interim coverage offered by some colleges
  to their recent graduates
• Purchasing the policy with the lowest premiums
  regardless of the coverage
• Purchasing catastrophic health coverage as a
  short-term measure
• All of these are good, risk-free options

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• QA

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Special ConsiderationsYoung Families
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Auto 201 And Baby Makes Three

• Consider increasing liability coverage as you
  transport children
• Consider adding umbrella policy to protect your
  growing assets
• Understand insurance costs of stepping up to
  larger vehicle
• Control costs prudently
• Merge separate spouse policies

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Home 201 Owning Up to Your Home

• Understand why homes insured value will likely
  be less than its market value
• Insuring home/possessions, not land
• Alert insurance company to major home
  improvements
• Typically 5,000
• Understand your legal liability
• Consider increasing liability coverage for
  backyard hazards, e.g.
• Pool, trampoline, swing set
• Consider rider to cover special valuables, e.g.
• Jewelry, antiques, art
• Control costs prudently
• Consider raising deductible

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Life 201 We are Family

• Consider coverage for both spouses
• Consider child care costs in determining coverage
  amounts
• Weigh costs/benefits of purchasing whole life vs.
  term
• Update policies to name children as beneficiaries
• Consider naming trustee for underage kids
• Consider benefits of purchasing policy for newborn

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Life 201 We are Family

• Control costs prudently
• Seek discounts for healthy lifestyle improvements
• Smoking cessation
• Lowering cholesterol

• Apply for Servicemans Group Life Insurance
  (SGLI), if eligible
• Understand impact of
• Pre-existing/chronic health problems
• Poor health habits
• Driving record
• Dangerous hobbies, e.g.
• Skydiving, skiing, rock climbing

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Health 201 I Do! Health Insurance for Two

• If both parents are working, compare health
  insurance policies to see which best meets
  familys needs
• Take advantage of flexible spending account, if
  available
• If planning to start a family, fully familiarize
  yourself with coverage options, exclusions
• Be aware of deadlines/requirements for covering
  newborns, adoptions

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Pop Quiz!

• Why do you need to inform your insurance company
  of
• backyard items, such as a swing set or
  trampoline?
• These items will attract more visitors to your
  home.
• These items are more likely to cause accidents on
  your property.
• These items are expensive and will therefore
  raise your premiums.
• These items are removable and can be stolen.

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Pop Quiz!

• Why do you need to inform your insurance company
  of
• backyard items, such as a swing set or
  trampoline?
• These items will attract more visitors to your
  home.
• These items are more likely to cause accidents on
  your property.
• These items are expensive and will therefore
  raise your premiums.
• These items are removable and can be stolen.

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Pop Quiz!

• What are the benefits of purchasing a whole life
• insurance policy for a healthy newborn?
• Their insurability is high, and the premium costs
  will be low
• If health issues develop for your child later in
  life, he/she may not be eligible for life
  insurance coverage
• A whole life policy is also an investment vehicle
  
• All of the above

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Pop Quiz!

• What are the benefits of purchasing a whole life
• insurance policy for a healthy newborn?
• Their insurability is high, and the premium costs
  will be low
• If health issues develop for your child later in
  life, he/she may not be eligible for life
  insurance coverage
• A whole life policy is also an investment vehicle
  
• All of the above

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Pop Quiz!

• At this stage of your life, you might find
  yourself driving
• additional children in your car while carpooling.
  What
• action might you consider taking in order to
  protect your
• assets in case of an accident?
• Increase your liability insurance
• Purchase a more expensive car
• Increase your deductible
• All of the above

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Pop Quiz!

• At this stage of your life, you might find
  yourself driving
• additional children in your car while carpooling.
  What
• action might you consider taking in order to
  protect your
• assets in case of an accident?
• Increase your liability insurance
• Purchase a more expensive car
• Increase your deductible
• All of the above

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• QA

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Special ConsiderationsEstablished Families
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Auto 301 Car Wars!

• Be prepared for sizeable increase as you
  addteenage drivers
• Female 50
• Male 100
• Consider increasing liability coverage as you
  transport more children
• Consider adding umbrella policy to protect your
  growing assets

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Auto 301 Car Wars!

• Control costs prudently
• Carefully compare costs for new teen drivers

• Consider how insurance rates vary with
  type/model/features of car
• Encouarge child to maintain good grades
• Explore discounts if child away at school
• Seek discount for safe driving record
• Consider taking defensive driving course

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Home 301 Home Growth

• Add coverage as you add possessions
• Furniture, computers, stereos, TVs
• Alert insurance company to major home
  improvements
• Typically 5,000
• Understand your legal liability
• Consider increasing liability coverage for
  backyard hazards, e.g.
• Trampoline, pool

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Home 301 Home Growth

• Consider rider to cover special valuables, e.g.
• Jewelry, antiques, art

• Check whether your insurance covers possessions
  of child away at college
• Know whats not covered, e.g.
• Water/septic line break

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Life 301 Life Line

• Regularly review/update your policies
• Consider your childrens college education costs
  in determining coverage amounts
• If considering an annuity, explore
• Types
• Single premium
• Multiple premium
• Fixed
• Deferred
• Variable

• Access to principal
• Penalties
• Fees
• Tax treatment

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Health 301 Growing Pains

• Review coverage options with this life stage in
  mind, e.g.
• Pregnancy-related services
• Consider flexible spending account for items not
  typically covered, e.g.
• Allergy tests, braces, eyeglasses, retainers
• Know your COBRA rights/responsibilities
• Carefully, consider costs/benefits of long-term
  care insurance if youre over 50

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Pop Quiz!

• In general, which gender teenage driver is likely
  to raise
• your auto insurance rates the most when you add
• him/her to your plan?
• Male
• Female

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Pop Quiz!

• In general, which gender teenage driver is likely
  to raise
• your auto insurance rates the most when you add
• him/her to your plan?
• Male
• Female

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Pop Quiz!

• A scheduled personal property endorsement (also
• known as a personal article floater) provides
  broader
• coverage than is typically included in your
  regular home
• insurance policy for specific expensive items.
  Which item
• would NOT need to be covered by a floater?
• a diamond ring
• a laptop computer
• an antique armoire
• a fur coat

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Pop Quiz!

• A scheduled personal property endorsement (also
• known as a personal article floater) provides
  broader
• coverage than is typically included in your
  regular home
• insurance policy for specific expensive items.
  Which item
• would NOT need to be covered by a floater?
• a diamond ring
• a laptop computer
• an antique armoire
• a fur coat

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Pop Quiz!

• Which of the following statements is TRUE about
  your
• right to continue obtaining health coverage under
  COBRA?
• Under COBRA, you and your family can elect to
  continue to be covered by your former employers
  group health plan for typically up to 18 months
  after your employment situation changes,
  providing you pay the premiums on time.
• Under COBRA, you can negotiate better insurance
  rates with your next employer or when you set up
  your own coverage for your new business.
• Under COBRA, your former employer must continue
  to pay your health insurance premiums typically
  for 18 months if you want to remain on the
  employers group health plan.

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Pop Quiz!

• Which of the following statements is TRUE about
  your
• right to continue obtaining health coverage under
  COBRA?
• Under COBRA, you and your family can elect to
  continue to be covered by your former employers
  group health plan for typically up to 18 months
  after your employment situation changes,
  providing you pay the premiums on time.
• Under COBRA, you can negotiate better insurance
  rates with your next employer or when you set up
  your own coverage for your new business.
• Under COBRA, your former employer must continue
  to pay your health insurance premiums typically
  for 18 months if you want to remain on the
  employers group health plan.

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• QA

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Special ConsiderationsEmpty Nesters/Seniors
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Auto 401 Traveling On

• Take advantage of age-related discounts
• Mature driver

• Limited mileage/daytime only driver
• Long-term employee

• Alert insurance company if your children have
  reached18 and left home
• Consider taking a senior driving refresher
  course, e.g.
• AARPs 55Alive
• National Institute of Highway Safety
• AAA
• Consider adding umbrella policy to protect your
  growing assets
• Consider dropping collision insurance for older
  car

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Home 401 Small is Beautiful

• Take advantage of discounts for retirees that
  spendmore time at home
• Consider increasing liability coverage
• To better protect your retirement assets
• To cover home-based business
• Understand your legal liability
• Review whether coverage limits are in line with
  replacement costs in todays market

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Home 401 Small is Beautiful

• Consider increasing rider to cover appreciation
  of special valuables, e.g.
• Jewelry, antiques, art

• Consider insurance cost benefits of renting vs.
  owning at this life stage
• Consider consolidating coverage of primary home,
  vacation home, boat with single company
• Notify insurance company if youve paid off
  mortgage

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Life 401 Late-in-Life Insurance

• Inquire about converting group life insurance
  intoindividual policy
• Review your policies to determine whether you can
  decrease coverage
• Spouse living?
• Home paid off?
• Other financial assets?
• Children financially independent?
• Impact of debts, estate taxes on heirs?
• Update beneficiary designations
• Consider pros/cons of diverting cash value into
  long-term care policy

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Life 401 Late-in-Life Insurance

• Consider pros/cons of withdrawing funds
  penalty-freefrom your 401K or IRA and purchasing
  an annuity
• Types
• Single premium
• Multiple premium
• Fixed
• Deferred
• Variable

• Access to principal
• Penalties
• Tax treatment
• Fees

• Carefully evaluate pros/cons of selling policy
  for life settlement
• Understand limits of final expense policies

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Health 401 Happy, Healthy Hip (Replacement)

• If your child is a full-time college student,
  determine whether he/she can still be covered
  under your employers insurance
• If you retire before eligibility for Medicare
• Know your COBRA rights/responsibilities
• Consider high-deductible major medical policy or
  catastrophic health coverage

• Be wary of discount health cards
• Call state insurance department to determine
  legitimacy
• Consider whether you still need disability
  insurance
• Before purchasing long-term care insurance,
  carefully analyze whether you can afford premiums
  for extended period of years, understand benefit
  triggers

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Medicare Coverage

• Traditional Medicare plan
• Part A (hospital bills)
• Paid for via your working lifetime contributions
• Part B (doctors bills)
• Monthly payments
• Medigap policy
• Incremental cost
• Covers medical/hospital expenses, deductibles not
  covered by Medicare
• Medicare Advantage plan
• Private plans with more choices/benefits
• Eliminates need for Medigap policy
• Incremental cost

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Medicare Coverage

• Medicare Part D (prescription drug benefit)
• Federal government subsidized private plans

• Considerations
• Will you save money vs. plans premiums/deductible
  s

• Which plan best suits your needs?
• How will enrollment affect retiree benefits you
  currently receive?
• Key enrollment dates
• May 15, 2006 (current year)
• November 15, 2006 (for 2007)

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Pop Quiz!

• You may qualify for lower premiums on your
• homeowners policy because
• As a retiree, you are more likely to be around
  home more of the time and can therefore watch
  over your home and possessions.
• You have consolidated your homeowners and auto
  policies at the same insurer, thereby
  qualifying for a multi-policy discount.
• Now that your children have left home, you decide
  to sell your older home and buy a new home,
  smaller in size.
• All of the above

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Pop Quiz!

• You may qualify for lower premiums on your
• homeowners policy because
• As a retiree, you are more likely to be around
  home more of the time and can therefore watch
  over your home and possessions.
• You have consolidated your homeowners and auto
  policies at the same insurer, thereby
  qualifying for a multi-policy discount.
• Now that your children have left home, you decide
  to sell your older home and buy a new home,
  smaller in size.
• All of the above

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Pop Quiz!

• You are about to retire, and your only life
  insurance is the
• coverage provided by your employer. Which of the
• following statements is TRUE?
• You can definitely keep your life insurance
  coverage as long as you pay the premiums.
• In some cases, you can convert group life to
  individual coverage.
• You can never convert group life to individual
  coverage.
• You are out of luck because people over 65 dont
  qualify for individual life insurance.

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Pop Quiz!

• You are about to retire, and your only life
  insurance is the
• coverage provided by your employer. Which of the
• following statements is TRUE?
• You can definitely keep your life insurance
  coverage as long as you pay the premiums.
• In some cases, you can convert group life to
  individual coverage.
• You can never convert group life to individual
  coverage.
• You are out of luck because people over 65 dont
  qualify for individual life insurance.

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Pop Quiz!

• If you are on Medicare, you cannot be covered by
  a health
• maintenance organization (HMO). True or False?
• True
• False

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Pop Quiz!

• If you are on Medicare, you cannot be covered by
  a health
• maintenance organization (HMO). True or False?
• True
• False

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• QA

87
Fight Fake Insurance
88
Fight Fake Insurance

• Annually, 1,000s of consumers defrauded by fake
  insurance companies
• Collect premiums
• Dont pay claims

• Fake health insurance
• 144 fake insurers
• 200,000 bogus policies
• 252 million unpaid claims
• Source General Accounting Office, 2000-2002
  report

89
Fight Fake Insurance

• Protect yourself!
• Before signing up for policy or writing check
• Stop, call your state insurance department
• Confirm whether insurance company is licensed in
  this state

• Warning signs
• Aggressive agent or broker
• Significantly lower premiums (15-20)
• Unlisted phone

90
Fight Fake Insurance
91
Fight Fake Insurance

• Embed PSA or screen grabs

92
Pop Quiz!

• To protect yourself from buying a fake policy,
  what is
• your best source of information to ensure that
  the
• company with which youre dealing is legitimate
  and
• licensed to sell insurance in your state?
• Your parents
• Your friends
• The insurance agent selling the policy
• Your state insurance department

93
Pop Quiz!

• To protect yourself from buying a fake policy,
  what is
• your best source of information to ensure that
  the
• company with which youre dealing is legitimate
  and
• licensed to sell insurance in your state?
• Your parents
• Your friends
• The insurance agent selling the policy
• Your state insurance department

94
Get Smart About Insurance Resources

• www.InsureUonline.org
• Get Smart about Insurance online curriculum

• Order forms for consumer booklets
• Consumer Information Source
• Search complaints for individual insurance
  companies
• Online fraud reporting system
• Report suspected insurance fraud

• www.floodsmart.gov
• Official site of the National Flood Insurance
  Program
• Senior Health Insurance Information Program
• Available in every state

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