The Underwriter's Insider November 2015 by The Underwriter's Insider

Features 4 4 4 7 7 9 10

South Carolina Allstate Agent Honored

2016 - And You Thought 2015 Was A Tough Year? OP/ED by Spencer A. Lehmann, RHU Ahead Of The Curve: We Insure Group Receives National Recognition

34 Say What?

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36 Back Issues

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North Carolina Agent David Maylon Pickett Accused Of Insurance Fraud

5 Advertising 9 Kim Komando 24 Inside Track 29 Insider Advisor 30 Classifieds

News Guess The World’s Most Unpopular Country? The Sad Result Of Our Current Foreign Policy - A Timely And Funny Optic... California Insurance Agent Sentenced For Felony Fraud California Prepares For The “Big One” With Earthquake Drill 3 Search Sites That Don’t Track You Like Google Does - by Kim Komando Public Adjuster With Contingent Fee Contract Cannot Testify As Expert - by Barry Zalma, Esq., CFE

Navy Civilian Engineer Sentenced To 11 Years For Attempted Espionage

Tempkin Group: Consumers Recommend USAA, Lexus & Mercedes Benz The Most - Who’s the worst?

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News 19 20

South Florida Chiropractor Arrested Following $1.5 Million Insurance Scam

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Miami Agent Busted After Massive Overbilling/Premium Finance Fraud

Confirmed: Hillary Clinton Is A Liar! And So Are Susan Rice, Jay Carney & President Obama

Vegas Predicts NFL Conference Champs and Superbowl Victory How Can Insurers Use ‘Back To School” To Improve The Customer Experience? A Natural Result Of Stupidity - Further Examination On The Unintended Consequences Of Doubling The Minimum Wage

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Obama Vs Clinton - A Behind The Scenes Look Into A Long-Running Feud

Check Out The New Gauswheel Spirit Double Bass - A Cool New Scooter!

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New Amphibious Motorcycle Hits 37MPH On The Water

Warning From An Export - Do NOT Sign For Your Insured! “I’m Calling Hillary A Bald-Faced Liar!” Mother Of Dead Benghazi Hero Goes Off On Hillary Clinton

Pravda Political Cartoon Of The Week The Message Is Clear...

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Sponsors 6 8 15 16 17 22 24 28 28 27 39 40 33 43

ROCKWOOD PROGRAMS H.O.P.E. WE INSURE FRANCHISE VERTAFORE - QQ SOLUTIONS ST. JAMES INSURANCE CO. CLEARWATER UNDERWRITERS NASA - ECLIPSE AGENCY MGT. ACCU-AUTO SLB GROUP ENCORE HR PERSONNEL SOLUTIONS BARRY ZALMA, ESQ. FYI GEORGIA VIEW & NEWS ORRIN R. BEILLY, ESQ. FINANCEMASTER

Cover Photo: © R. Manera

S. CAROLINA AGENT HONORED

LORENCE, S.C. -- Allstate agency owner, Glenn Ham is being recognized by Allstate for outstanding performance and commitment to putting customers at the center of his agency’s work.

who demonstrate outstanding performance.” said Bob Holden, field senior vice-president for Allstate’s Southeast region. “Ham’s work highlights the importance of customer service and the dedication to our communities’ insurance needs.”

These awards are Allstate’s symbols of outstanding business achievement and honorees have proven to be champions in growing their agencies and serving Allstate customers.

The The Glenn Ham Agency, located at 2527 S Cashua Dr Florence SC 29501, received the Premier Agency Designation. Glenn Ham can be reached at 843-407-7678 or GlennHam@ “These awards are Allstate’s allstate.com. highest honor for agency owners

THE SAD RESULT OF OUR CURRENT FOREIGN POLICY IT’S PRETTY DAMN EMBARRASSING...

FUN FACT! What is the world's least popular country? No Surprise: Iran...

Iran has come in dead last (at a 79% negativity rating) for many years. Only 15% of people polled viewed Iran in a positive light.

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CALIFORNIA INSURANCE AGENT SENTENCED FOR FELONY FRAUD Former Palmdale Agent Sentenced For Fraud

OS ANGELES, Calif. Hesham Saleh Ibrahim, 57, of Palmdale, pleaded no contest on September 29 to felony insurance fraud and was sentenced to three years felony probation, 30 days community labor and ordered to pay nearly $1,000 in restitution and fines.

This case was prosecuted by the insurance company, which the Los Angeles County District helped our investigators uncover Attorney's Office. Ibrahim's illegal business activity." Consumers should always make sure they receive a copy of the entire policy from the insurance company to confirm their coverage. An insurance certificate is not enough.

The Department of Insurance Investigation Division began an investigation after receiving a complaint from a Ibrahim was consumer claiming charged in July they paid Ibrahim 2015 with six for liability insurance misdemeanor for their business, counts of but did not receive a transacting policy. Department CA Insurance Comm. insurance without investigators Davey Jones a license for discovered Ibrahim issuing 114 auto was transacting insurance policies. He was also business on an expired agent charged with one count of felony license, operating under Five insurance fraud for issuing a Star Insurance Agency and fraudulent insurance certificate Convenience Store. for a $2 million commercial liability policy and pocketing the The department contacted $350 premium. Ibrahim and communicated that he was transacting business "Ibrahim put the business owner at illegally and should stop great financial risk when he issued immediately. He continued to a bogus insurance certificate," function as an agent,issuing 15 said Insurance Commissioner additional auto insurance policies Dave Jones. "The consumer did after receiving the warning from the right thing by reporting they the department. did not receive a policy from www.underwritersinsider.com

Ibrahim did renew his license; however, the department is taking action to revoke his license.

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CALIFORNIA PREPARES FOR “BIG ONE” WITH EARTHQUAKE DRILL

illions of Californians across the state dropped, covered and held on October 15th as they participated in the Great Shakeout earthquake drill. Insurance Commissioner Dave Jones is reminding Californians that experts have noted that many of the state’s earthquake faults are long overdue to rupture and residents should prepare for that reality.

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NOV 2015 A Publication of AdMax Corp

Corporate Offices P.O. Box 31551 Palm Beach Gardens, Florida 33420 Ron Manera, Senior Editor Follow Me On Instagram: @rmanera 561.718.0745 • ron@insurmedia.com © Entire Contents 2015 AdMax Corp

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3 SEARCH SITES THAT DON’T TRACK YOU LIKE GOOGLE DOES

wipe your search history, but it’s always going to be trying to put two and two together.

If you’re tired of Google and its lax view of privacy, here are three private search sites that don’t Really Cool Info - by Kim Komando track you. Be sure to check all oogle is the go-to site for In fact, I recently told you how three to find the one that’s best most people when they Google is tracking the websites for you. need to find something you visit and the videos you online or learn new information. watch, to better understand 1. DuckDuckGo Unfortunately, while Google is your interests. Google, which DuckDuckGo is a solid Google great at Web searches, it doesn’t also owns the digital ad network replacement, and it doesn’t track have a stellar track record when DoubleClick, serves you up or target your IP address or search it comes to privacy. It saves your interest-based ads, specifically history. You don’t have to worry search history, reads your email for you. If that’s a little too creepy, about targeted search results or in Gmail, tracks your location, follow these steps to opt out of being trapped in a filter bubble, keeps everything you say to “OK Google’s interest-based ads. which actually means you get Google,” and a lot more. more results. Aside from the blatant ad Why Google spies on you: The targeting, Google filters results for DuckDuckGo includes the nifty reason Google does this is partly you based on past search history calculators and other tricks you’ve to make its services more useful while still targeting you with ads. come to expect on Google, but to you by knowing what you This is called a “filter bubble.” that’s not all. You can customize want before you This means that you and a its interface, with search shortcuts want it. The family member could and an Instant Answers feature other part is search for the that’s just as good as, if not better to serve you same term but than, Google’s Knowledge Graph. targeted come up with You can also make DuckDuckGo a d s . d i f f e r e n t an extension of your browser and results. To activate more privacy settings be fair, to keep your search history as G o o g l e protected as possible. does l e t 2. Yippy you If you have kids or grandchildren

running around your house, chances are they’ve sat with you while you searched online for something kid-friendly, like suggestions for movies to

See Kim Komando Pg 40 www.underwritersinsider.com

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PUBLIC ADJUSTER WITH CONTINGENT FEE CONTRACT CANNOT TESTIFY AS AN EXPERT

Expert Analysis & Commentary by Barry Zalma, Esq., CFE Expert Must Be Impartial

sought the assistance of Mr. Cassidy, a public adjuster, and signed a “Public Adjustor Contract”, retaining Cassidy Public Adjustment “to advise and assist in the adjustment of the insurance claim”, agreeing to pay a contingent fee comprising a certain percentage“of the amount paid by the insurance companies in settlement of [the] loss and necessary expenses.”

ublic adjusters almost always work on a contingency fee basis by entering into a contract with the insured to take an assignment of a percentage of whatever is paid by the adjuster’s client’s insurer. That fee arrangement makes the interest of the insured and public adjusters equal and gives the public adjuster a financial incentive to increase the benefits available to the insured who hired the public adjuster.

Barry Zalma, Esq., CFE is a California attorney specializing in insurance coverage, insurance claims handling and fraud who serves as a consultant and expert for insurers and policyholders. He founded Zalma Insurance Consultants in 2001 and serves as its senior consultant. He recently published an e-book, “Getting The Whole Truth,” which is available at his Web site, www.zalma.com. Go to Zalma Books at http://www.zalma.com/zalmabooks. htm.

The fee arrangement is usually approved by the Department of Insurance in the state where the adjuster works and is, per se, legal. However, when the public adjuster attempts to act as an expert witness in a trial by the insured against the insurer, problems arise. In Everett Cash Mutual vs. Bonnie Sue Gibble, In the Court of Common Pleas of Lycoming County, Pennsylvania, NO. 0101,640 the court was faced with a motion to exclude expert Testimony of Patrick Cassidy, 10

Defendants’ witness.

proposed

After making several payments, including one which it offered as payment in full satisfaction of the claim, which payment Defendants refused to accept, Plaintiff filed the instant action, seeking a declaratory judgment that it had fulfilled all of its obligations under the insurance contract.

expert

Defendants counter-claimed for breach of contract, negligence, intentional infliction of emotional BACKGROUND When Ms. Gibble’s furnace distress, unfair trade practices emitted soot into her home act violations and bad faith, and and the claim made with also joined the adjusters brought her homeowner’s insurance in by the insurance company as company, was not handled to Ms. additional defendants. In support Gibble’s satisfaction. Ms Gibble of their claims, Defendants plan to introduce the testimony of Mr. Cassidy as an expert witness, Join Barry Zalma’s new Blog: and in that regard have provided http://www.zalma.com/blog Plaintiff with a copy of his report, in which he opines, inter alia,

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that Plaintiff and Additional the appraisal inevitably coloring, Defendants “did not follow proper if not constituting the sole basis claims practice.” for, the testimony which the parties assume will follow. Gibble, in response, argue that Mr. Cassidy is acting as an expert in In In re Mushroom Transportation his role as a consultant, at the rate Co., Inc., Debtor, 70 B.R. 416 (E.D. of $75 per hour, and only his work Pa. 1987), the court precluded as a public adjuster is subject to an expert witness from testifying the contingent fee agreement. at trial because of a contingent fee arrangement whereby the The long established rule of law expert had been hired to assist that a special contract to pay the debtor in a bankruptcy more than the regular witness proceeding in collecting monies fees in ordinary cases is void allegedly due the debtor from a for want of consideration and certain party. as being against public policy. Section 552 of the Restatement The testimony of interested lay of Contracts, which provides, witnesses about historical facts in subsection (2): “[a] bargain generally does not pose a risk of to pay an expert witness for the same proportion as that of an testifying to his opinion a larger expert with a contingent financial sum than the legal fees provided interest. The concealment for other witnesses is illegal only of a contingent financial if the agreed compensation is arrangement with a witness contingent on the outcome of the would be unconscionable. controversy.” With the disclosure of such an arrangement, an opinion It could be argued that the proffered by an expert would contract involved in the instant likely be so undermined as to be case is distinguishable from the deprived of any substantial value. normal contingent fee-witness See Gediman v. Sears, Roebuck contract since it segregates & Co., 484 F. Supp. 1244, 1248 the services of appellee, the (D. Mass. 1980) that held that an objectionable contingency arising agreement to give an opinion on only from his duties involved in a contingent basis, particularly on the preparation of the appraisal an arithmetical scale, attacks the and not from his contractual very core of expert testimony. duties as a potential witness. Such an approach, however, does Jurors, however, routinely take not, in fact, address itself to the and assess the testimony of parties actual concern of the courts in and persons related to them who prohibiting enforcement of such have a direct financial interest in contracts, for the segregation the outcome of a case. With many here is merely one of form, the witnesses and, of course, parties, bias feared in the preparation of interest is unavoidable. An expert, www.underwritersinsider.com

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however, whose only relevance is his expertise, should not have that expertise flawed. As a result the Court found Defendants’ attempt to segregate Mr. Cassidy’s work as an expert witness from his work as a public adjuster “merely one of form”. It is also of no consequence that the public adjuster contract was entered into prior to the commencement of litigation. Mr. Cassidy’s preparation of the expert report followed the commencement of litigation and, as Defendants admit, Mr. Cassidy will be entitled under the contingent fee agreement to a percentage of any damages awarded for their loss. The Court concluded, therefore, that the opinion rendered in the report is “so undermined as to be deprived of any substantial value”. While he may testify as a fact witness with respect to his adjuster role, Mr. Cassidy must be precluded from giving any opinion as an expert witness. ZALMA OPINION A contingent fee can bring the expert much more than an hourly rate would provide. Because of the opportunity of a windfall public adjusters and lawyers are willing to gamble they will get nothing for their efforts in exchange for the opportunity of a windfall. That opportunity colors the testimony a public adjuster, who will profit from a verdict, as an expert and such testimony must be precluded. 11

2016 - AND YOU THOUGHT 2015 WAS A TOUGH YEAR?

OP/ED BY SPENCER A. LEHMANN, RHU

016 is almost upon us. Many new changes will be coming into effect making the ACA (Affordable Care Act, aka the UnACA, UnAffordable Health Care Act), even more Unaffordable for millions more Americans than those millions who have already been adversely affected by this so called wonder of Health Care Reform. Many of these changes should have already been having their deleterious affect on America but as a result of its creators lacking honesty, integrity and ethics as regards the promotion of, creating of, and implementation of this poorly planned and executed law, the real adverse affects of this law will only now, in 2016, take effect. It is important in this discussion to remember that the majority of Americans did not want to have this law, the PPACA, The Patient Protection and Affordable Care Act, enacted. The then Democratic Party controlled Congress, the House and

Senate, in collusion with the Executive Branch, the White House, headed by President Barack Obama, rammed this law through Congress before any of the parties involved had even bothered to fully read and comprehend this lengthy and convoluted 2700 page law.

Spencer A. Lehmann is a Registered Health Underwriter (RHU), whose company, Lehmann/Wood & Associates, Inc., specializes in Group and Individual Long Term Care insurance and Medicare Supplemental Coverage. Mr. Lehmann retired from his company in 2005 and now spends his time writing on Health Care Insurance and Political Issues, both of which have encompassed over 40+ years of his life. He has been an actively involved member of the National Association of Health Underwriters (NAHU) since 1978, and serves on the Board of Directors of several Charitable Organizations’ helping Special Needs Children, and Inner-City Children to experience and participate in the world of the Arts and Music. In his free time he plays golf with his wife, Fran, who usually wins.

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Who can forget then Speaker of the House Nancy Pelosi’s famous line, “We have to pass this law before we can know what is in it,” making a mockery of the American Constitution that ostensibly is in existence to protect the American citizen’s right to know? What evolved has shown beyond any doubt that not even those who passed this law into existence “Knew what was in it.” America had been promised, “You can keep your policy, Period!” “You can keep your doctor, Period!” “You can keep your hospital, Period!” by Barack Obama, only to discover that we could not keep our policy, doctor or hospital, period! America had been promised that we would see the average premium drop by The Underwriter’s Insider

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Million Americans previously uninsured now are. The vast majority of those newly insured are on the “Public Dole”, either receiving subsidies to pay part to all of their premiums, or because they are now covered under Medicaid, aka Welfare. Yet that is only a part of the story.

While the millions now helped because of the UnACA is a good thing for America, the an annual savings of $2,500 per vast millions more who can year. Not only did we not see a no longer access health care savings of $2,500 per year, we benefits because of the greatly have instead seen skyrocketing increased deductibles are now at premiums of up to 160% of the risk. Those numbers will not go cost prior to the UnACA. down in coming years, they will increase. Why? Because many Accessibility to Health Care important provisions of the Delivery was the mantra being UnACA have been intentionally repeated over and over by delayed or postponed, in the president Obama and the name of Political expediency. Democratic Party Leadership in the Congress. That promise The Individual Mandate’s (the too was put to the lie as not “Piece of the Puzzle” designed only premiums escalated, but to force Americans into deductibles did as well, now participating in the law by buying requiring the individual insured’s insurance) implementation date to pay exorbitant out of pocket was delayed in order to keep deductibles before benefits can Americans from becoming angry begin to be paid to the now (political expediency again) financially burdened American in having to pay the IRS penalties need of care, placing accessibility for six months, from October to health care delivery out of reach for many more millions of Americans than before the advent of the UnACA.

2013 to March 2014. The Employer Mandate was delayed by one year, from 2014 to 2015 (the 2014 midterm elections, more political expediency). Many of the Employer Mandate provisions won’t actually take place now until 2016. And a number of these provisions will See ObamaCare- Page 42

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Have Americans who could not qualify for a health insurance policy before passage of the PPACA been able to now receive coverage? Yes. In fact it is estimated that as many as 15 www.underwritersinsider.com

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AHEAD OF THE CURVE: WE INSURE GROUP RECEIVES NATIONAL RECOGNITION

We Insure Group Named one of The Principal 10 Best Companies for Employee Financial Security

e Insure Group’s outstanding commitment to their employees’ financial and physical wellness has earned them the distinction of being one of the best. An independent judging panel of employee benefit experts named We Insure Group as one of the 2015 winners of The Principal® 10 Best Companies for Employee Financial Security. Judges selected We Insure Group because of their commitment to employee financial security through outstanding employee benefits. We Insure Group, currently employing (50) fifty people, will also be featured in the October issue of Inc. Magazine for this achievement. “Companies like We Insure Group are role models and provide inspiration for other growing businesses that want to become an employer of choice,” said Luke Vandermillen, vice president at the Principal Financial Group®. “These companies stand out not only for their commitment to their employees but also for their innovation in creating a workplace culture that fosters total employee financial security.” The Principal® sponsors the

We Insure Group provides back office support and leverages its size to offer its franchisees the lowest fees/highest splits in the industry. As of September, 2015, We Insure Group has written premiums in excess “We are proud to have been of $100,000,000 with over 70 named to The Principal 10 Best franchised locations. Franchise list,” said Philip Visali, CEO at We Opportunities are available in Insure Group. “We are committed Florida and Georgia. For more to investing in our employees information, visit http://www. and appreciate the opportunity weinsuregroup.com. to share our best practices with About the other growing businesses.” Principal Financial Group As part of their best practices, The Principal Financial Group (The We Insure Group works with Principal®) is a global investment Chris Reuschle at RFW Wealth management leader offering Advisors to help make choices retirement services, insurance that support their employees’ solutions and asset management. The Principal offers businesses, financial future. individuals and institutional Along with the award clients a wide range of financial recognition, The Principal awards products and services, including a donation to a charity selected retirement, asset management by each winning company. We and insurance through its diverse Insure Group chose CureSearch family of financial services companies. Founded in 1879 to receive the $2,500 donation. and a member of the FORTUNE Learn more about The Principal 500®, the Principal Financial 10 Best Companies for Employee Group has $539.9 billion in assets Financial Security at http://www. under management and serves some 20.1 million customers principal.com/10best . worldwide from offices in Asia, Australia, Europe, Latin America About We Insure Group We Insure Group is a turn- and the United States. For more key franchise solution for information, visit http://www. independent insurance agents. principal.com. national program, which is now in its 14th year. It honors growing companies (five-1,000 employees) for their commitment to their employees’ financial security.

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DISCOVER THE POWER OF WE a better way to sell insurance.

At WE Insure, our primary role is to develop and manage insurance agenciesâ&#x20AC;&#x2122; growth and sustained excellence, building strong relationships with its policyholders and insurance companies.

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NAVY CIVILIAN ENGINEER SENTENCED TO 11 YEARS FOR ATTEMPTED ESPIONAGE

ostafa Ahmed Awwad, intelligence officer, in a park in 36, of Yorktown, Hampton, Virginia. Virginia, was sentenced today to 132 During the meeting, months in prison by U.S. Awwad claimed it District Judge Raymond was his intention to A. Jackson of the Eastern utilize his position District of Virginia for with the U.S. Navy attempted espionage to obtain military relating to his attempt technology for use to provide schematics of by the Egyptian the nuclear aircraft carrier government, USS Gerald R. Ford to including but not Mostafa Ahmed Awwad Egypt while serving as a limited to the Navy engineer. designs of the USS Gerald R. Ford nuclear aircraft Awwad pleaded guilty on June carrier, a new Navy “supercarrier.” 15, 2015. According to court documents, Awwad began working for the Department of the Navy in February 2014 Awwad agreed to conduct as a civilian general engineer in the Nuclear Engineering and Planning Department at the Norfolk Naval Shipyard. Based on a joint investigation, an undercover FBI agent contacted Awwad by telephone on Sept. 18, 2014, and asked to meet him the following day. Without seeking additional information from the caller, Awwad agreed. The next day, Awwad met with the undercover FBI agent, who was posing as an Egyptian

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clandestine communications with the undercover FBI agent, and to conduct “dead drops” in a concealed location in the park. Awwad pleaded guilty on June 15, 2015. According to court documents, Awwad began working for the Department of the Navy in February 2014 as a civilian general engineer in the Nuclear Engineering and Planning Department at the Norfolk Naval Shipyard. Based on a joint investigation, an undercover FBI agent contacted Awwad by telephone on Sept. 18, 2014, and asked to meet him the following day. Without seeking additional information from the caller, Awwad agreed. The next day, Awwad met with the undercover See Egyptian Spy Pg 32

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NORTH CAROLINA AGENT ACCUSED OF INSURANCE FRAUD

The Department of Insurance employs 20 sworn state law enforcement officers dedicated to investigating and prosecuting claims of insurance and bail bonding fraud. Since Insurance Commissioner Wayne Goodwin took office in 2009, criminal investigators have made more than 1,500 arrests, resulting in more than 750 criminal Pickett turned convictions with more than 250 himself in to Pitt cases currently pending court. David M. Pickett Department of Insurance County on Oct. 12 These efforts have delivered criminal investigators allege and was placed under a $180,000 more than $72.1 million in Pickett received insurance bond. Grifton Police Department restitution and recoveries for premiums totaling $29,801 from assisted in the search for Pickett. victims. ALEIGH -- Insurance Commissioner Wayne Goodwin today announced the arrest of David Maylon Pickett, 57, of 705 Queen St., Grifton; he is charged with 13 counts of embezzlement by an insurance agent in Craven, Harnett, Lenoir, Pitt and Wayne Counties.

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13 people across five counties for health care coverage and never applied the payments to insurance policies. The alleged embezzlement occurred between November 2014 and September 2015.

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ACCORDING TO NEW TEMKIN GROUP RESEARCH, CONSUMERS RECOMMEND USAA, LEXUS, AND MERCEDES-BENZ THE MOST; TIME WARNER, COMCAST AND MCDONALD'S THE LEAST

Fifth Annual Benchmark Study of Net Promoter® Scores (NPS®) Includes Data on 291 Companies Across 20 Industries

Comcast TV service (-17) earned the lowest NPS, followed by two firms that also had scores below -10: Time Warner Cable TV service and McDonald's. Other firms to earn NPS of -5 or below are Commonwealth Edison, Pacific Gas and Electric, Charter Communications (TV service ABAN, Mass., Oct. 13, and Internet service), Comcast 2015 /PRNewswire/ Internet service, RadioShack, -- Temkin Group Time Warner Cable Internet service, Cablevision released a new research Optimum, and Coventry report "Net Promoter Health Care. Score Benchmark Study, 2015" based on "Net Promoter Scores can a study of 10,000 U.S. provide a strong indication consumers. of your relationship with customers," states Bruce Net Promoter Score (NPS) has become a popular Temkin, Managing Partner of customer experience metric. Temkin Group. Temkin goes on NPS measures the likelihood to say "Like any customer metric, of consumers to recommend a NPS is only valuable when it's company to their friends and used to drive improvements." family, using a scoring range from Here are some additional findings -100 to +100. from the research: USAA's insurance business earned The top scoring industries the highest NPS (70), followed • are auto dealers, computers by Lexus (62) and MercedesBenz (62). Other firms to earn & tablets, supermarkets, and an NPS of 55 or more are H-E-B, investment firms. USAA's banking and credit card The bottom industries businesses, Apple's computer • business, Chick-fil-A, Wegmans, are TV service providers, Internet service providers, and utilities. JetBlue Airways, and Amazon.

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• USAA's insurance, banking, and credit card businesses earned NPS levels that are 38 or more points above their industry averages. Eight other firms more than 25 points above their peers: Chick-fil-A, TriCare, credit unions, JetBlue Airways, H-E-B, Wegmans, Amazon, and Apple. • Nine companies fell 30 or more points below their industry averages: RadioShack, McDonald's, eMachines, Travelers, Super 8, 7-Eleven, and Spirit Airlines. • HSBC's NPS increased by 29 points between 2014 and 2015, the largest increase of any company. Nine other companies improved by more than 15 points: AirTran Airways, Baskin Robbins, Virgin America, Regions Bank, Citizens Bank, BMW, Southern California Gas, Morgan Stanley Smith Barney, and Food Lion. • Fujitsu, Highmark, Buick, and Humana had the largest decline in NPS between 2014 and 2015. About Temkin Group: Temkin Group is widely recognized as a leading customer experience research and consulting firm. The Underwriter’s Insider

SOUTH FLORIDA CHIROPRACTOR ARRESTED FOLLOWING $1.5 MILLION INSURANCE FRAUD SCAM

ALLAHASSEE, Fla. – Chief Financial Officer Jeff Atwater today announced the arrest of Broward County Chiropractor Eric Wiegandt, 41, on multiple felony fraud charges related to a $1.5 million insurance fraud scheme. A joint state and federal investigation led by the Florida Division of Insurance Fraud revealed that Wiegandt allegedly orchestrated a scheme in which he fraudulently billed Blue Cross Blue Shield for services that were never rendered at his clinic, the Broward Spine and Rehab Center, located in Hollywood. Investigators believe that between 2013 and early 2015, Eric Wiegandt fraudulently signed and submitted nearly $1.5 million worth of fictitious and falsely represented insurance claims. In return, Wiegandt received commission payments from BCBS in excess of $230,000. In the early spring of 2014, following months of mismanagement and after losing his license for failure to complete continuing education requirements, Wiegandt was evicted from his practice location in Coral Gables and opened www.underwritersinsider.com

a new location in Hollywood. The Hollywood Police Department became aware of Wiegandt’s now unlicensed practice and arrested him for continuing to conduct insurance-related business without an active license.

day-to-day operations. As a result, investigators discovered that Blue Cross Blue Shield had flagged Eric Wiegandt during a proactive data analysis after recognizing that his practice produced exceptionally high totals in number of visits per patient and total amounts billed.

Shortly after, the Hollywood Police Department brought in the Division of Insurance Fraud to review the insurance transactions related to the clinic’s

Records show that patients who previously visited Wiegandt’s Coral Gables location were allegedly receiving duplicative treatments in his newest Hollywood location, all of which were being billed to BCBS. After multiple interviews were conducted with the alleged patients, most were found to have never received treatments and many had never been to the Hollywood location. knowledgable

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Wiegandt was arrested on eight counts of healthcare fraud and the case is being prosecuted by the US Attorney’s Office of the Southern District of Florida. Multiple agencies contributed to the successful conclusion of this case including: Blue Cross Blue Shield of Florida, The Hollywood Police Department, as well as the Inspector General for the Federal Office of Personnel Management and the U.S. Postal Service. 19

CONFIRMED:

HILLARY CLINTON IS A LIAR AND SO ARE SUSAN RICE, JAY CARNEY & BARACK OBAMA

erhaps the most remarkable result of the recent 11 hour Benghazi testimony of presidential candidate Hillary Clinton is the mainstream media reportage that she somehow vanquished all the evil inquisitors, emerged from the hearing unscathed and can now move on to a winning campaign.

entire compound ablaze. Soon, the ambassador and his colleagues were choking and gasping for air as the safe room filled with smoke from the blaze. Ambassador Chris Stevens never made it out of the room alive - reportedly dying of smoke inhalation although other reports claimed he was brutalized and sodomized. Inexplicably, military assets in the area were told to “stand down” according to some testimony. Defying those orders, two brave ex-Navy Seals ran to the fight and setup a defensive heavy machine-gun position on the roof of the adjacent CIA annex. Hours later, Tyrone Woods and Steven Smith would both die in planned, direct mortar strikes launched by expert jihadists half a mile away.

“The major media outlets have not only ignored the single biggest piece of news to emerge from yesterday’s hearings, they have declared Hillary Clinton victorious.” - Megyn Kelly

The Benghazi Story

A vicious, utterly predictable attack on the USA. 600 unanswered requests to Secretary of State Hillary Clinton for additional security from Ambassador Stevens. Four brave, dead Americans. Standdown orders to the military from the Obama Administration. And a big election coming up in less than two months.

On the fateful night of September 11, 2012, on the Why The Lie anniversary of the Twin Towers attack, the United States consulate in Benghazi, Libya, after 600 uring that election cycle, the Obama requests by the Ambassador Chris Stevens to Hillary narrative repeated by the practiced liars Clinton’s state department for increased security in his administration and the president went unanswered, the consulate came under a himself was “al-Qaeda is defeated and on the run! coordinated attack by Islamist extremists. Terrorism is all but over thanks to the wise and The consulate’s walls were quickly breached while powerful leadership of Barack!” Unfortunately, the the ambassador and 2 staff members took refuge in narrative was a complete fabrication - yet one that a “safe room.” The well planned attack, anticipating had to be maintained even if it meant allowing the a secure safe room, brought diesel fuel and set the consulate staff to perish in the attack. The standdown orders were a vain attempt to lower the

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profile of the attack, hoping, apparently it would be only a minor skirmish. Nothing, including the lives of four Americans, was more important to the Obama team than winning the election. World Net Daily reported: One of the first moves the Obama administration made after the Sept. 11, 2012, terrorist attack on the U.S. special mission at Benghazi, Libya, was to contact YouTube in an apparent attempt to blame the attack on an obscure “Pastor Jon” video, according to State Department documents obtained in a lawsuit by the Washington, D.C. watchdog Judicial Watch. Here’s That Video...

Just three hours after the initial attack on U.S. personnel in Benghazi, a memo said the White House was “reaching out to YouTube to advise ramifications of posting of the Pastor Jon video.” Judicial Watch said the “Pastor Jon” reference might have been to a rarely viewed video by Oregon-based Pastor Jon Courson titled “God vs. Allah,” an exposition of the biblical book of Kings.

Obama Team Knew It Was An “Al Queda-like” Group While Attack In Progress

ere’s what we learned from the Benghazi hearing where Clinton testified:

Thanks to a forced release of Clinton emails a Later, the administration famously claimed day before the Benghazi hearing, (emails Clinton the attack was provoked by another YouTube claimed were deleted) we now have proof just hours video, “Innocence of Muslims,” by Egyptian-born after the attack began Clinton had sent an email to filmmaker Nakoula “Mark” Basseley her daughter Chelsea: “Two of our Nakoula… officers were killed in Benghazi by “We know the an Al Queda-like group.” In the attack in Libya had …Judicial Watch President Tom same collection of emails Clinton Fitton said the latest release of nothing to do with desperately wanted to keep secret, documents “show the Obama White we find an email to the Egyptian the film. It was a House rushed to tie yet another video prime minister the day after the planned attack, not to the Benghazi attack, even before attack clearly admitting, “we know Ambassador Stevens was accounted the attack in Libya had nothing to a protest.” for.” do with the film. It was a planned attack, not a protest.” -Hillary Clinton “The Obama White House, evidently, one day after attack was confused as to which Internet While the enormous fabrication video to falsely blame for the in email to Egyptian was obviously authorized and Benghazi terrorist attack,” said ordered by President Obama prime minister Fitton. “These documents show that himself, the entire team, Hillary the Obama White House should have been Clinton, Susan Rice & Jay Carney got into the act of focused on rescuing our people under fire.” lying not only to the American people, but to the family members of the deceased. (Watch the video He said the documents “detail delays and lack on page 20.) of support that raise questions about whether American lives were needlessly lost and put at risk during the Benghazi attack.” See People Died - Clinton Lied - Page 27

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MIAMI AGENT BUSTED AFTER MASSIVE OVERBILLING/PREMIUM FINANCE FRAUD

Accused in a Three Year, Nearly $170,000 Overbilling Scam

IAMI, Fla.- The Florida bill, overbilled $11,000 on the Department of second, and nearly $21,000 on Financial Services’ the third billing. Division of Insurance Fraud (DIF) today announced the arrest of After the fictitious insurance Darley Caridad Carballeira, 50, premiums were paid by Key for her involvement in a scam International in full, in an attempt in which she overbilled a local to further her illegally-obtained company, Key financial gains, International, Inc. Carballeira more than $167,000 decided to during the sale of at finance the least nine insurance original policy policies. On top of a m o u n t s inflating the policy without Key amounts to gain a International’s profit, Carballeira knowledge. allegedly financed Signatures were the insurance forged to finalize policies, which the financing enabled her to Darley Caridad Carballeira, 50 d o c u m e n t s pocket the upfront and mailing premium amount, leaving Key addresses were altered to International on the hook for prevent Key International additional monthly payments to from receiving any notices on keep the policies current. the recent financing of their insurance premiums. In total, The investigation revealed Darley Carballeira stole more that, for more than three years, than $167,000. Carballeira overbilled Key International Inc. by inflating The case began when Key quoted prices for insurance International, Inc. became policies. For example, if the suspicious and approached the quoted price for a policy was Department’s Division of Agent $46,000, she charged the and Agency Services with a series company $67,000. She did this of information regarding their on at least three occasions, allegations against Carballeira. and her greed escalated each The Division of Agent and Agency time. Carballeira overbilled the Services launched a partnered company $3,100 on the first investigation with the Division www.underwritersinsider.com

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of Insurance Fraud into the dayto-day operations of the Miami Insurance Company where Carballeira worked, Insurance Consultants of Dade, Inc. Carballeira was apprehended on charges including first degree grand theft, misappropriated funds, and uttering forged documents. This case will be prosecuted by the office of MiamiDade County State Attorney Katherine Fernandez Rundle, and if convicted, Carballeira faces up to 30 years in prison.

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Breaking News

antage Agora, a firm that provides insurance process outsourcing and consulting, technology services, and operations software, has added electronic signature capability to its ClubVA business enterprise platform. Vantage Agora is offering electronic signatures through its new integration with InsureSign, an e-signature software designed for insurance professionals and used by more than 1,500 agencies. Vantage Agora is the first to offer InsureSign in a business enterprise environment, according to the company.

trial over the link between the widely used over-thecounter drug and liver damage, according to a J&J spokesman. Jurors in New Jersey concluded that Regina Jackson, a state employee who said she spent a week in the hospital after overdosing on Extra Strength Tylenol, failed to prove her case, according to J&J spokesman Jake Sargent. The jury ruled she couldn’t prove she had actually taken Extra Strength Tylenol, and didn’t rule on the merits of her claim the pain medication was defectively designed.”

ll Risks, Ltd., the nation’s largest independent wholesaler, has introduced a new national program for Manufactured Housing Dealers and SetUp Contractors with an exclusive “A” rated carrier. Products are available through All Risks’ National Specialty Program unit, targeting manufacturing housing dealers selling new units and manufactured housing set-up contractors. A minimal amount of used or repo units may be acceptable. All Risks offers the following coverages through its Manufactured Housing Dealers program: general liability, including optional coverages such as employee benefits liability,

ccording to a recent article in The Insurance Journal, “Johnson & Johnson defeated a lawsuit claiming it had improperly designed its Tylenol pain reliever in the first case to go to 24

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waiver of subrogation, and primary/noncontributory; property, such as business personal property, dealers open lot and collision coverage for homes while transported; some key coverage extensions consisting of protection for building materials, fences and lighting, increased cost of construction, off premises utility failure, outdoor property including signs, small tools, sewer backup, among others. Additional highlights for this program entail customized forms, competitive rates, and minimum premiums for general liability starting at $750 and $500 for property.

egasinsider.com offers the following prediction (or best odds) for a Jan 2017 Superbowl matchup: AFC New England Patriots with 20/23 odds against NFC Green Bay Packers at 6/5 odds. The least likely www.underwritersinsider.com

matchup? San Francisco 49ers for the NFC at 200/1 odds and the Jacksonville Jaguars at 350/1 odds. Odds to win the Superbowl? New England just edges out Green Bay at 14/5 odds vs 16/5 odds for Green Bay. Miami fans are looking at 60/1 odds for their team to win the AFC championship and 125/1 odds to win the Superbowl. The website gives the following advice: “To figure out your Win Amount, take the odds and multiply by the amount wagered. Ex. Green Bay (8/1) to win the NFC Championship. The Packers are listed as an 8/1 betting choice to win the NFC Championship. If you wager $100 on Green Bay to win the NFC and they capture the championship, then you would win $800 (8 ÷ 1 x 100). You would collect $900, which includes your win and stake ($100).” If you bet $100 on Miami to win the Superbowl - you would win $12,500 if, by some miracle, they are able to pull it off. More info [HERE].

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anover Insurance Group, Inc. has lost CFO David Greenfield to a “health event late last week,” that took his life. The insurance group’s CEO will take over the CFO’s duties until he too steps down in 2016. Greenfield was 53.

ccording to global experts, bacon, ham & sausage are as serious a cancer threat as smoking cigarettes. In a World Health Organization report, red meat is also listed as a risk factor. The pork and beef items are listed in the highest possible risk category along with excessive alcohol, asbestos, arsenic and cigarettes. The WHO report claims there is “strong evidence” that even smaller quantities of processed meats increase cancer risks. “The WCRF advises that people can reduce their bowel cancer risk by eating no more than 500g (cooked weight) per week of red meat, such as beef, pork and lamb” The report advises that the smoking, curing or salting used to process meats can generate cancercausing substances to form in the meat. 25

HOW CAN INSURERS USE ‘BACK TO SCHOOL’ TO IMPROVE THE CUSTOMER EXPERIENCE?

Q&A with Roland Bloesch, Global Director Financial Services at hybris •

or additional coverage. So for insurers back to school is not only a perfectly fitting marketing opportunity, but also chance for risk prevention and mitigation. • How can insurance

How does back to school impact the insurance providers take advantage industry? of back to school to engage customers and highlight new Back to school is a time of change. products? Students are heading to college for the first time, upperclassmen are renting apartments and teenagers are driving to high school. All of these life changes should serve as a reminder for Americans to evaluate their insurance policies and ensure they are properly covered. Major life events should trigger insurance reviews for consumers and back to school is no exception. Insurance agents should use this time to remind customers that their needs may change and evaluating their insurance coverage will protect them and their families.

Back to school is an event that occurs around the country that every American understands, so there is no need to create awareness. By jumping on a national event like back to school, insurers can harness the awareness surrounding this time of year to

explain financial concerns and considerations. There is minimal effort required on the insurer’s part because the stage is already set, and they simply need to make the connection between their products/services and this time. Insurers should attach products to issues/challenges associated with back to school and explain how consumers can properly protect themselves. They can create national campaigns with assets, such as videos, to highlight the changes that occur at this time of year and tie their products to these issues. One key to being successful with this type of campaign is having a unified See Back To School Pg 41

For the insurance industry back to school is not only a marketing opportunity, but a risk creating event that leads to increased claims every year. New drivers, moving of households, etc. is the source of lots of minor and some major incidents. Creating the awareness of these risks at the customer is an additional angle by which to propose new products 26

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Continued From Page 21

on the record with their group deceit over the next several days and weeks, blaming the video for the attack. Worse, Hillary Clinton and Vice-President Joe Biden met with the families of the dead Americans, looked them dead in the eye, and told them a bald-faced lie.

& her pantsuit exited the Benghazi hearings “victorious,” according to the mainstream media, as if she had won some great battle against evil conspirators having only been proven to be an incompetent liar and nothing The morning after the attack, else. President Obama? Don’t President Barack Obama & Hillary look for an apology. He recently Clinton released a statement on announced during an interview the Benghazi attack - blaming it that he thought he’d been a damn entirely on a anti-Islam YouTube good president and could win video that had caused a minor It is now a certainty that all a third term if allowed. Biden, skirmish in Egypt the day prior. It Americans including the families Carney and Rice? Unscathed, has never been of the four brave according to the media. determined “Hillary Clinton & Americans who nor have they V-P Joe Biden met died in the Of course, conservatives and admitted - the with the families of Benghazi attack all fair minded Americans source of this were lied to over who insist on integrity in their pretense, but the dead Americans, and over again public servants will hold those they were by some of the responsible to the fire. The hoping it would looked them dead in top officials in coming election may prove that. work to salvage the eye, and told them our government O b a m a ’ s a bald-faced lie.” including the Hillary Clinton has concerns election-cycle president, vice- graver than public opinion spin that terrorism was on the president and secretary of state. which she must face in the run. The purpose of the lie was not to coming months. Candidate protect national security or soften Clinton is looking at an ongoing Watch the video of Hillary, clearly the blow to those who mourned FBI investigation into her email comfortable in her lie, as the the dead. No, the lie existed scandal and actually faces a bodies of the fallen Americans entirely to help grease Barack risk of indictment, conviction are unloaded from a plane and Obama through the November and incarceration - should their sobbing families look on: 2011 election and into his second Obama’s highly partisan justice term. department choose to prosecute.

PEOPLE DIED CLINTON LIED

President Obama, Vice-President Joe Biden, Secretary of State Hillary Clinton, White House Spokesperson Jay Carney and UN Ambassador Susan Rice all went www.underwritersinsider.com

Now exposed, what penalty do the liars face for their cynical dishonesty? Shame? Ridicule? Impeachment? Humiliation? Disgrace? Surely Clinton is stepping down from the presidential race, right? Sorry, none of the above. So low are our standards as a nation for our leaders that Hillary

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â&#x20AC;&#x153;The Final Authority on Everything!â&#x20AC;? A Natural Result Of Stupidity

enjoyed your comments last month regarding the real effects of boosting the minimum wage. [HERE] There is another big reason why these proposed increases will only hurt those it intends to help: Self-Checkout Lanes will begin to make more and more sense to companies and those minimum wage jobs will be lost forever. H.Y. Orlando, FL Progressives (Democrats) live under the illusion that people open businesses to create jobs. The truth: Businesses are started and grown to create wealth for the business owners - not the employees.

ADVISOR

Everywhere you look, retail stores in particular are opening more and more self-checkout lanes. Costco, Home Depot, Walmart - and dozens of other outlets are adding automated lanes as fast as they can be installed. checkout kiosk at $7.25 My Bank of America branch per hour, those automated now has 4 ATM machines solutions start making a whole outside the building. lot more economic sense when pure minimum wage rises to But donâ&#x20AC;&#x2122;t blame the Liberals $15.00 per hour - especially for this disastrous unintended when you factor in the cost consequence - the important of those other darlings of the thing, as usual, is they had political left like Obamacare. good intentions. Right...

The growing cost of hiring, training & insuring employees is one of the main reasons businesses are closing or contracting. While it may have made sense to choose that employee over a selfwww.underwritersinsider.com

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Registered Customer Service Rep 4-40 Palm Beach County

Experienced Registered Cus-

FREE CLASSIFIED RULES: Submit all ads online at: www.underwritersinsider. tomer Service Representative com/classifieds. Ads must be less than 501 characters plus a title line. Eligible free classifieds include help wanted, position wanted, personal ads, agency for sale/purchase, or the one-time sale of an item or items. Place Ad HERE!

REGULAR CLASSIFIED RULES:

Submit all ads online at: www. underwritersinsider.com/classifieds. Only $1.00 per word, including title line and response info. Payment must be received prior to print date. Ads run 3 mo.

Outside Biz Ins Rep Needed - Can Be Home Based

Local Tri county ins agency needs help with local biz ins clients all over south fla. Pls email resume to jdr33433@gmail.com. Compensation based on experience and all expenses reimbursed. You need us and we need you! 15-7

Florida Agents with 2-20 License for Palm Harbor Want to work in an exciting work place? Looking for a career and not just a job! We pay higher commissions then the standard industry offers. We are expanding our independent Property and Casualty Insurance agency in Palm Harbor, FL and currently seeking highly motivated professional people who hold a Florida 2-20 insurance license to join our sales team. Contact: gary.s@insurancesolutionstb.com

Experienced 220/440 PL CSR Wanted-Apopka,FL

Experienced 220/440 licensed CSR wanted for busy personal lines dept. Must have Clear speaking voice and excellent communication skills. While working in a team environment required to manage individual book of business for servicing and cross selling. AMS360 knowledge a plus! Bilingual English/ Spanish a plus! Excellent benefits provided! Send resume to mail@gentryins.com or fax to 407-886-9530. 15-8

CSR WANTED Deerfield Beach, FL Established office seeking 440/220 licensed CSR. Family owned business that treats employees as family. Work for a successful office. fax resume 954/427-9065 15-6

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Property and Casualty Agents Wanted Looking for self motivated agents in the state of FL. Contact:info@insurebenefits.com

15-1

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4-40 Wanted Bilingual English / Spanish with experience, to work in Lake Worth, Palm Beach, excellent working conditions requested. Angel 561-755-2586. 15-4

Personal Lines Producer Destin, FL Area Wanting an experienced self motivated producer for this high end area. Don@mcmahonhadder.com 15-3

Entrepreneurial Underwriter

Entrepreneurial, qualityfocused, P & C underwriter and marketing person seeks part time or full time employment. I bring knowledge, team spirit and enthusiasm to the job. I can work from my office in Cocoa or your office in the Orlando area. Contact cee42@aol.com 15-3

Experienced Personal lines CSR Wanted St. Pete FL Looking for a self motivated, ambitious inside sales account rep, 2-20 lic., may consider 4-40 for full or part time, duties include quoting and servicing accounts and account rounding for Business owners, Workers Comp, General Liability and other lines of business Established agency since 1958 Contact: rbozeman@bozemaninsurance.com 15-4 The Underwriter’s Insider

220 Needed for Outside Sales!!

Experienced Commercial Agent Boca Raton, FL Area

Experienced and Licensed Insurance CSR

Local South Broward county ins office needs an outside licensed producer. Can work from home and office. Must have experience writing comm lines policies. Very high compensation package. Send resume and cover letter today! florida.firstins@yahoo.com

We are a family owned and operated General Lines Agency located in Boca Raton since 2002 looking for an experienced Commercial Producer. We have access to ALL commercial standard and excess surplus markets at the MOST competitive premiums. You: local success experience, a self starter and ethical. Flexible commission splits, start up assistance, long term minded. 561-305-9599.

Large, independent property and casualty insurance agency located in Lake Mary, Florida is seeking 220, 2044 or 440 licensed and experienced customer service representatives. We represent over 40 insurance carriers. Great written and verbal communication skills are required.

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LICENSED 220 WANTED-FLORIDA INDEPENDENT LEAD GENERATOR FACE TO FACE OR PHONE CONTACT-COMMERCIAL & PERSONAL LINES-COMMISSION ONLY POSITION-50% NEW BUSINESS,25% RENEWALS-MUST HAVE OWN E&O COVERAGE-SERIOUS INQUIRIES ONLY. APPLEINSURANCE@MSN.COM 15-2

Experienced CSR Wanted - Louisville Kentucky Insurer specializing in personal jewelry coverage seeks CSR. Job includes processing applications, giving quotes & issuing policies. Must have agency CSR experience, good phone presence, and hold an Ins Property license. You should also have an interest in jewelry. Computer keyboarding skills & working knowledge of MS Office are crucial factors. Agency Management systems experience is a plus. 15-2 www.underwritersinsider.com

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EXPERIENCED AUTO INSURANCE AGENT EXPERIENCED AUTO SALES PROPERTY AND CASUALTY 220 AGENT SEEKING PROFESSIONAL AGENCY WHO APPRECIATES A WELLROUNDED SALES AGENT WHO IS EXCELLENT IN SALES AND VERY METICULOUS WITH RECORDING MEMOS AND HANDLING PAPERWORK. MUST HAVE A WARM AND FRIENDLY ATTITUDE AND BE CONCERNED ABOUT THE CLIENTS NEEDS. 15-2

$30k salary plus monthly bonus and excellent benefits. Check us out at www. TheFIS.com 15-3

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Purchase Retiring Agency (or merge) South Florida Purchase (or merge) a retiring agent’s or agency’s book of business in Palm Beach, Broward or possibly MiamiDade County. We prefer Homeowner and Commercial accounts. We have MOST Standard contracts. Must have demographics and performance history for last 5 years+. Flexible terms offered, possible partnership as well. Call 561-305-9599. CONFIDENTIAL 15-6

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2-20 or 20-44 Wanted-Miramar FL Send resume to timinsurance1@yahoo.com, fax 954404-7234 or visit us 6590 Pembroke Road Suite B., Miramar, FL 33023 15-2 31

Continued From Page 16

PREMIUM FINANCE SALES - CALIFORNIA Insurance Finance company is seeking an Account Sales Representative to cover our California territory. The ideal candidate will have experience in the insurance industry and/or knowledge of insurance premium financing. Must have an outgoing dynamic personality. Travel throughout the state of California required. Send resume to opportunities@financebulldog.com 15-9

Florida 2-20 or 4-40 Agent Hialeah Small agency has an opening position for a commercial lines agent with homeowner and auto insurance knowledge in Hialeah Fl 33018 15-2

Producer/Brokers Wanted: Nationally USG Insurance Services, Inc. is a national wholesaler and MGA seeking experienced commercial E&S Producer/ Brokers for multiple locations. Mandatory E&S insurance experience, only those with a proven track record in sales should apply that are self-motivated, team players. Find out more about the position and how to apply at www.usgins.com under Careers. 15-3 32

Cont’d... S. Florida Hialeah Area 2-20 / 4-40 Needed Opening position in small Hialeah agency for a Commercial line with personal line knowledge, fluent in English and Spanish. Send your resume to customerservice@jonrayinsurance.net 15-3

Experienced Licensed CSR Wanted Ft. Lauderdale Agency needs experienced 440 licensed CSR for renewals/ sales. Renew policies upon expiration dates; obtain information to determine coverage changes/requirements, and binding. Quote to shop renewals. Prepare/provide information to insureds using verbal and written communications. Cross-sell opportunities for auto, life, and flood. Fax resume to 561948-4582 or email to ahart@ accessaip.com. 15-3

EGYPTIAN SPY FBI agent, who was posing as an Egyptian intelligence officer, in a park in Hampton, Virginia. During the meeting, Awwad claimed it was his intention to utilize his position with the U.S. Navy to obtain military technology for use by the Egyptian government, including but not limited to the designs of the USS Gerald R. Ford nuclear aircraft carrier, a new Navy “supercarrier.” Awwad agreed to conduct clandestine communications with the undercover FBI agent, and to conduct “dead drops” in a concealed location in the park.

On Dec. 5, 2014, Awwad and the undercover agent met in the Hampton Roads, Virginia, area. During this meeting, Awwad stated that he planned to travel to Egypt. Awwad subsequently said he wanted to meet with “high ranking” Egyptian intelligence and military officials in Cairo. Awwad also stated during the meeting 2-20 Agents & Producers that he had copied all of the Wanted - FL & GA schematics. During the meeting, We Insure Group, Inc. is one Awwad provided the undercover of Florida’s ‘Fastest Grow- FBI agent a thumb drive that ing Companies’ and is lookmore schematics ing to expand even more! contained Currently seeking new Agency of the USS Gerald R. Ford. The Owners in Central and North undercover FBI agent handed Florida, as well as, experienced Producers through- Awwad the “escape plan” – in out the entire state! Please actuality a manila envelope with Contact: We Insure Group no real plan inside – along with Franchising franchise@ $1,000 in currency, shortly before weinsuregroup.com 855-483-3901 15-3 Awwad was arrested.

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NISSAN DEVELOPS NEW 400HP ENGINE THAT WOULD FIT INTO CARRY-ON LUGGAGE

t used to take a giant V-8 power, is slated to take part in to develop anywhere near the Le Mans 24 Hour “Garage 56” 400HP, but Nissan has segment reserved for vehicles produced an engine that weighs testing new technology only 88lbs, would - making Nissan the fit in an aircraft’s first auto maker to use overhead bin, and a 3 cylinder engine in does exactly that. a major international motorsport. It’s all According to about downsizing, Nissan, the according to Darren performance of Cox, Nissan’s Global it’s DIG-T engine Motorsport Director. works out to 10bhp per kilo According to Nissan better than new engineers, one of the engines approved for the FIA biggest factors that had to be Formula 1 World Championship addressed in designing the little in 2016. engine was friction. The company partnered with French lubricant The little motor, which uses only company Total to create more 3 cylinders to develop all that advanced lubricants and fuels to reduce internal friction.

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VIEW THE FAMOUS OBAMA WORKOUT! (Now Banned On YouTube...)

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SAY WHAT? Notable Quotes You May Have Missed!

Obama Vs Clinton?

“

He leaped up from his desk and threw a rubber ball that he often plays with across the room. He paced the floor, his voice was raised, and told his aides, including Jarrett, to make sure that ‘any smidgen of wrongdoing’ that is in the Hillary files is turned over to the authorities. The source also told Klein that Obama said, “I never want to see her [Hillary’s] face again. I never want her or Bill in this house lecturing me. They have no respect for this office or for me and I’m not taking it anymore. She has lied about everything.” Author Ed Klein quoting an inside source describing how Obama “threw a major fit” in the Oval Office when he was told that Hillary Clinton had requested another meeting to discuss the Benghazi/email investigation.

is Allah. Oh Prophet of Allah, incite the believers to fight. ”Oh people of AlAbrar Mosque and the people of Rafah – from this mosque of yours, you have the honor of delivering these messages to the men of the West Sheikh Muhammad Sallah Bank: Form stabbing quads. We don’t want just a single stabber. Oh young men of the West Bank: Attack in threes and fours. Some should restrain the victim, while others attack him with axes and butcher knives.[…] Do not fear what will be said about you. Oh men of the West Bank, next time, attack in a group of three, four, or five. Attack them in groups. Cut them into body parts.” On October 9th, while brandishing a knife, crazed, Islamist Gaza cleric Sheikh Muhammad Sallah “Abu Rajab’s” sermon at the Al-Abrar Mosque in Rafah, directly inciting murderous knifing attacks on Israeli Jews as sanctioned by Muhammad’s historical actions against Jews. The US gives the Palestinians more than 500 million a year in aid - and the Obama Administration has been seen to inexplicably favor the Gaza Arabs over our long-time ally, Israel.

Another Crazed Islamist Begs Followers To Slay Jews

“

The world will say that we are terrorists, that we incite. Yes! “Oh Prophet, sufficient for you and for whoever follows you of the believers

Warning From An Expert

Barry Zalma, Esq., CFE

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Insurance brokers, who represent the insured to transact insurance with, but not on behalf of insurers, often will try to make the process easy for the insured by filling out The Underwriter’s Insider

Patricia Smith, the mother of Sean Smith, one of four Americans killed in the terrorist attack on our consulate in Benghazi, Libya after Hillary Clinton testified before Congress and her testimony & email evidence showed beyond a doubt that the Secretary of State had known Barry Zalma, Esq., CFE, a leading expert in all almost immediately that the attack was not a aspects of insurance law discussing a dangerous result of a video critical of Islam as she told the practice by some agents. Read his complete, world and the families of the victims - but in fascinating and timely analysis HERE. fact a pre-planned terrorist attack. the application before asking the insured to sign it. It is a practice fraught with danger that can cause the insured to have no coverage at all and may make the broker a defendant in a major lawsuit.”

“I’m Calling Hillary A Bald-Faced Liar”

“

Westerners Foolish To Assume Middle East Rational

She has not called me. She has not contacted me. She has not given me any information, except to tell me that I am not a member of the immediate family and I do not need to know. She’s lying! She’s absolutely lying! I saw on TV the bloody fingerprints on the walls over there! I asked specifically, ‘Are

“

People are confused, especially Westerners. They assume a rational world. They assume rational people. The Middle East is not rational. The people, especially many Arabs, are not rational. There will never be rational relationships between Sunni and Shia or Muslim and Jew. The Palestinian Arab looks at his condition and believes he is the victim of some vast western and Jewish conspiracy. He sees himself as superior because he has the Prophet and Allah yet he lives a miserable life of poverty and inconvenience. He sees the west and the Jew as inferior because they refuse to accept the Prophet yet the west is powerful, rich, and comfortable. The unfairness of his situation keeps him blind to the facts of life. He hates modernization because he Slain American Ambassador Chris Stevens equates modernization with westernization those my son’s fingerprints crawling down the and secular scientific advancement.” walls?’ Somebody’s got to tell me! Why wasn’t there security for my son and the ambassador Blogger “Prometheus Unsound” commenting and the other guys? There was supposed to be on an on-air interview between CNN’s Jake security. The night before, he called me and Tapper and Maen Rashid Areikat of the he said ‘mum there’s trouble here…there’s Palestinian Liberation Organization. The PLO people walking around and taking pictures of spokesman was outraged that crazed. knifeeverything. Something’s going to happen.’ I’m wielding Muslim men were actually being shot calling Hillary a bald-faced liar.” when charging Israeli security forces. www.underwritersinsider.com

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Experts and Consultants for Insurance Disputes 4441 Sepulveda Boulevard Culver City, California 90230 310-390-4455 zalma@zalma.com http://www.zalma.com

Consultation from Zalma Insurance Consultants (ZIC) can save you or your client thousands of dollars in the defense or prosecution of an insurance dispute. ZIC provides expert advice and counsel insurers and plaintiffsâ&#x20AC;&#x2122; counsel find indispensable. Consultation from ZIC can save you, your counsel or client hundreds of hours of investigative and legal work. ZALMA INSURANCE CONSULTANTS is a service of Barry Zalma, Inc. a California professional corporation. Barry Zalma is an internationally recognized expert on insurance coverage, insurance claims handling, insurance bad faith, insurance fraud detection, the defeat of false and fraudulent claims, Barry Zalma, Esq. insurance claims handling, and the resolution of insurance disputes. As a consultant, expert witness, lawyer, author, mediator or arbitrator he serves all parties who need consultation or expert testimony on matters relating to insurance coverage, insurance claims handling, insurance fraud and the tort of bad faith. Barry Zalma founded Zalma Insurance Consultants to help resolve any insurance claim problem faced by you or your clients that do not need Mr. Zalmaâ&#x20AC;&#x2122;s services as a lawyer. His experience and skill as a consultant and expert witness can make the difference before a jury or other trier of fact. For more than 44 years as a claims person and insurance coverage attorney, Barry Zalma has represented insurers, advised insurers on claims handling, interpreted coverages and testified as an insurance coverage, insurance bad faith, insurance claims handling and insurance fraud expert on behalf of insurers and policyholders in state and federal courts.

Expert Testimony

Zalma Insurance Consultants serves insurers, policyholders, underwriters, brokers, agents, adjusters, public insurance adjusters, lawyers and any person involved in an insurance dispute. Because he is an attorney licensed to practice law in the state of California M r. Zalma may be prohibited by California case law from acting as a consultant or expert witness and, therefore, refuses to serve in any situation where a past client of his law firm, Barry Zalma, Inc. is adverse to anyone seeking his services.

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This search sits also gives you the privacy of searching via proxy, so sites you visit don’t even know your real IP address. This is similar to a program like Tor, but without the hassle of setting it up. Ixquick’s proxy option gives you the most watch or books to help with their online privacy. It may slow down homework. If so, you dread that your searches, but when you inevitable moment when your select “proxy,” Ixquick makes you innocent search turns into lessinvisible online. than-innocent results. Bam! The very sites you’re protecting them To use it, just do a search from from pop up on your computer Ixquick for a word like “Komando.” screen. Your search results will look similar to Google’s search results, with a All your efforts to keep list of websites it has found that youngsters in your life safe from match your search. Each result, that inappropriate trash go up however, has three options. Just in smoke. Fortunately, there’s a click on a link and it takes you to Google-type site called Yippy a page as normal, meaning the that’s got you covered. Yippy website can see you. automatically detects and blocks adult content. That includes Choose “Highlight” just to see pornography, gambling sites, sex the basics of a site and see if you product sites and other websites actually want to visit it. Or you that are not appropriate for kids. can click “Proxy,” and you will remain anonymous to the site Plus, the site protects your privacy. you’re visiting. Those sites will see It will not collect personally Ixquick’s IP address, not yours. identifiable information about Just note that it will slow down you, like your name, telephone the site a little. number, address or email address. However, it may collect Ixquick also keeps you out of anonymous information about filter bubbles, so you can get your computer, like your IP the search results you’re looking address. It also uses cookies, for. Plus, it has a neat star system but not to track your personal that rates the accuracy of your behavior. search results by cross-checking with other search engines. For 3. Ixquick example, four stars means that Ixquick calls itself the world’s four other search engines agreed most private search site. It doesn’t on that search term result. record your IP address, browser information or search history, so Even if you minimize your use of advertisers can’t track you. Google, it’s not the only company

KIM KOMANDO

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collecting your information and using it in scary ways. Find out how Facebook and hundreds of other sites track and share what you do, and how to put a stop to it. Copyright 2015, WestStar Multimedia Entertainment. All rights reserved. On the Kim Komando Show, the nation’s largest weekend radio talk show, Kim takes calls and dispenses advice on today’s digital lifestyle, from smartphones and tablets to online privacy and data hacks. For her daily tips, free newsletters and more, visit her website at Komando. com. Kim also posts breaking tech news 24/7 at News.Komando.com.

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BACK TO SCHOOL message that reaches consumers regardless of their interaction. For example, national insurers should work with their agents to ensure they understand the back to school messaging and provide insights to consumers on why this event should trigger an insurance review.

• What should insurance companies be doing to provide an enhanced experience? Insurers need an omni-channel approach for all of their campaigns to ensure consumers are being targeted with the same messaging regardless of their point of entry. With a targeted back to school campaign, consumers should have the same experience whether they access information on a mobile device, on a laptop or even over the phone with an agent. To do this effectively, insurers need a plan that is distributed to all relevant parties so that all departments, including customer service department and IT, understand the campaign and are aware of the proper messaging. The experience will be negatively impacted if an agent has no idea what a customer is talking about when they call and ask what they should be evaluating in terms of back to school. Knowledge sharing and having a unified message are critical during these types of campaigns. www.underwritersinsider.com

• What are customers and updated insurance policy for looking for from their your 18-year-old son that is going to college in a new state for the insurance providers? first time?

Today’s customer is more educated and tech savvy than ever. Keeping in mind that a modern customer seeks convenience, insurers need to offer services and products that make life easier. Customers are looking for help through life changes and want to work with companies that make these changes as simple as possible.

“Insurance companies can learn from other industries, such as retail, about the importance of constant customer engagement. Every customer touch point can lead to another entire customer journey.” They want to work with someone who helps them with the entire process too. Considering this, insurers should look to improve the customer experience by offering various packages that help customers with the entire situation (i.e., bank, movers, phones, etc.). How convenient and helpful would it be to call your insurance agent and receive a recommendation for a moving company, bank, cell phone plan

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• Can the insurance industry learn from other industries in terms of customer engagement? Insurance companies can learn from other industries, such as retail, about the importance of constant customer engagement. Every customer touch point can lead to another entire customer journey. Don’t leave customers waiting 10-12 months to be reengaged with new information to start that next journey. Having a constant flow of information to customers help keeps the insurer top of mind; however, it is critical that this content is not just ongoing, but also relevant. Retailers are doing this with weekly promotions as they keep their customers informed on the latest products and deals that are personalized for them based on their specific preferences and buying history. The goal is to keep the customer constantly engaged with information they find useful and relevant.

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of the platitudes that Team ObamaCare and that Liberal and Democratic Party America continue to pronounce about the wonders of a law that is have a serious and onerous affect anything but wonderful won’t on the individual employee, fix the problems in the PPACA. placing a much larger burden on the employee to pay for out of Up to now, the Republicans have pocket expenses that can cost as promoted repeal of this law, much as $6,850 for an individual which is unlikely to happen as and $13,700 for family coverage, over 54 attempts at repeal have before the actual benefits will failed, and further attempts to pay. That is a whopping amount repeal are equally likely to fail. of money for most Americans to Simultaneously, the Democrats have to pay before they can rely have refused to entertain on their insurance to kick in. amendments to this law to fix the serious issues that plague it. It This law is in serious trouble can easily be said that president because Americans are in serious Barack Obama has succeeded in trouble when they can’t access dividing America in an egregious the health care they need. All manner never before seen in any

OBAMACARE

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presidential administration. 2016 is Obama’s last year in office. In 2017 he will go off into the sunset while America must pick up the pieces of the damage he and the Democratic Party leadership have caused. We can only hope that the next president of this great country of ours is wholly different than what America has had to endure over the last seven years, that in 2016 we elect a true leader who can unite our country and our people, and not continue the divisions that we in America are witnessing. In that process, perhaps we can begin to create fixes to the PPACA that will work, and begin the healing of America.

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