The Underwriter's Insider September 2015 by The Underwriter's Insider

Features 5 Advertising 9 Kim Komando 22 Inside Track

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CA Fire Captain & Insurance Agent Brother Arrested on Fraud Charges Pennsylvania DOI Goes After Life Insurance Business Practices Unplugged Performance! 750+ HP Tesla Model X SUV Debut Five Urgent Windows 10 Questions Answered - By Kim Komando

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Don’t Let A “Claims Made” policy Lapse! - Analysis by Barry Zalma, Esq.

Planned Parenthood And The Consequences of Speech - OP/Ed by Jeff Atwater, Floirda CFO

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34 Back Issues

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South Florida Insurance Agent Arrested For Stealing Nearly $150K From Client - Used $ To Buy Cars

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ObamaCare: What Now? What Next? OP/ED by Spencer A. Lehman, RHU Miami Insurance Agent Arrested For Diverting Premium Funds Two-Year Insurance Fraud Investigation Lands Multiple PIP Fraud Arrests in Central Florida

Popular N-Insurance Co-Founder Greg Murrey Dies In Braves Stadium Fall Four Miami PIP Fraud Conspirators Arrested

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North Carolina Man Accused of Insurance Fraud

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Bill Clinton & The Lolita Express - As If The Email Scandal Wasn’t Enough Winston Churchill On Crazy Old Bernie Sanders - “Equal Sharing of Misery.” Army Chief Of Staff Gen. Milley Warns Obama On Weakening Our Military Trouble Waking In The Morning? Try The High-Voltage Ejector Bed! WATCH: Worried About Drones? Build A Thermal Evastion Suit! WATCH: Carly Fiorina Destroy Clueless Liberal Katie Couric In Interview WATCH: Tired Of Politics? Here’s The Next Best Thing - Pig Wrestling At a Utah County Fair.

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CALIFORNIA FIRE CAPTAIN ARRESTED, ALONG WITH INSURANCE AGENT BROTHER

AN LUIS OBISPO, Calif. - Neal Moriarty, 38, a Cal Fire Captain, and Ross Moriarty, 42, a licensed insurance agent, were arrested last week on multiple felony counts of insurance fraud. The Moriarty brothers allegedly submitted a fraudulent claim and provided false statements to an insurer in order to collect money following an automobile accident. "Insurance fraud is an expensive drain on the state's economy, totaling billions of dollars annually," said Insurance Commissioner Dave Jones. "The cost of these scams is passed along to consumers through higher rates and premiums."

accident site, Neal called his brother who used his position as a licensed insurance agent to reinstate Neal's automobile insurance.

The brothers conspired to falsify the timeline of the accident and proceeded to report a fraudulent claim to the insurer in the amount of $13,709 to repair the damaged vehicle. Insurance investigators asked for phone records due to suspicion surrounding the validity of the claim. Neal failed to Neal Moriarty, 38 provide the records and just one month later, withdrew his claim.

Neal and Ross Moriarty were booked into the Santa Cruz and San An investigation Luis Obispo County by the California Jails, respectively. Department of Bail for each is Ross Moriarty, 42 Insurance revealed $120,000. Their that off-duty Cal Fire arraignment will Captain Neal Moriarty hit a deer take place on Monday, August while driving on the 101 freeway 10 at 8:30 a.m. at the San Luis causing significant damage to Obispo Superior Court. This case his vehicle. At the time of the is being prosecuted by the San accident, he was uninjured and Luis Obispo District Attorney's uninsured. While still at the office. 4

PA DOI GOES AFTER LIFE INS BUSINESS PRACTICES

ennsylvania Insurance C o m m i s s i o n e r Teresa Miller today announced her department has recovered $70,449,334 for 4,293 beneficiaries through the first six months of 2015, as Pennsylvania continues to serve as a lead state in several multistate examinations of business practices in the life insurance industry. The examinations focus on the life insurance industry’s selective use of the Social Security Administration’s Death Master File (DMF). Examinations have shown while some companies used the DMF properly to identify beneficiaries when a policyholder died, other companies used the file to terminate the payment of annuity benefits, while failing to trigger the payment of life insurance policy benefits.

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UNPLUGGED PERFORMANCE 750+HP TESLA MODEL X SUV CONCEPT DEBUT

Independent Tesla Evangelist and Car Developer Unplugged Performance Expands Lineup to Include Model X

AWTHORNE, CA-(Marketwired Unplugged Performance, the leading independent Tesla-focused designer and vehicle producer, announces its expansion into the upcoming Tesla Model X SUV. After critical acclaim on their Model S complete car program, the next frontier for the Unplugged Performance brand is the Model X.

sporty looks. Following cue from the current Unplugged Performance Model S, you can expect the same focus on the Model X, which takes aim at subtle holistic enhancements of the complete d r i v i n g experience. Targeted areas include the use of exotic materials for weight reduction, adjusted suspension settings, improved headlight performance, sportier braking, An evolution of the successful upgraded interior materials, and ingredients used in the Unplugged performance wheels. Performance Model S continue in this preview of the forthcoming "Unplugged Performance exists complete Unplugged Performance for the sole purpose of introducing Model X. Firstly, an exterior re-design creates visual distinction. This provides more than just a hint at the performance oozing from Tesla's world-leading technology and platform. As Tesla continues to gain popularity, the once unique sighting of a Model S has become ubiquitous in many areas.

Tesla vehicles in a different light. We aim to convince the most demanding car enthusiasts of an electric future. Unplugged Performance maintains a design philosophy as to not interfere with Tesla's electronics, batteries, drivetrain and warranty of key components. All Unplugged Performance products maintain their own independent warranty and are made from ultra-high quality carbon fiber, OEM-grade urethane and other premium materials. Unplugged Performance products are designed, engineered and produced in California. Unplugged Performance provides complete vehicle sales as well as individual upgrades for preexisting Tesla owners.

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SEPT. 2015 A Publication of AdMax Corp Corporate Offices P.O. Box 31551 Palm Beach Gardens, Florida 33420 Ron Manera, Senior Editor 561.718.0745 • ron@insurmedia.com © Entire Contents 2015 AdMax Corp

To best navigate The Insider, begin with the Table of Contents and select your topic. On the bottom of most pages is a Table of Contents link that will immediately return you for your next topic selection. EVERY SPONSOR AD LINKS DIRECTLY TO THE SPONSOR’S WEBSITE. CLICK ON ANY AD TO VISIT OUR FINE SPONSORS!

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5 URGENT QUESTIONS ABOUT WINDOWS 10 ANWERED

password. Plus, you have a lot of control over how it works, and you can even disable it completely.

For example, someone only gets logged in automatically Really Cool Info - by Kim Komando if they’re a contact of yours t’s about a month since going to answer some of the in Outlook, Outlook.com/ Windows 10 launched most pressing ones here. Hotmail, Skype or Facebook. and the early reviews are If you remove someone from mostly positive. On my site, 1. Does Windows 10 your contacts, they can’t Komando.com, I’ve had readers connect. report everything from smooth really share my sailing to minor annoyances to Wi-Fi automatically? You can also choose which serious problems that made of the above services to pull them go back to Windows 7 or Windows 10 has a feature contacts from. Simply go to 8.1. With major new software, called Wi-Fi Sense that makes Network & Internet>>Withat’s to be expected. it easier for friends and family Fi>>Manage Wi-Fi Settings to get on your encrypted Wi-Fi (only available on computers I’ve also been getting a flood networks. They don’t have to that support Wi-Fi). Uncheck of questions from Windows type a password; Microsoft will the services you don’t want 10 users try to get the hang log them in automatically. to allow under “For networks of the new system, and from I select, share them with my non-users trying to decide There’s a lot of confusion contacts.” if they should around this feature upgrade. You that makes it sound You might have noticed it says probably scarier than it “for networks I select.” The first have similar is. To start, time you connect to a Wi-Fi questions, it doesn’t network, Microsoft will ask if so I’m a c t u a l l y you want to share it. Simply g i v e say no and Wi-Fi Sense won’t a n y o n e log anyone in to that network. y o u r You can also disable these later W i - F i in your network settings.

Of course, there is more to know about Wi-Fi Sense. Learn more about this controversial feature, how it works and how to disable it permanently.

See Kim Komando Pg 39 www.underwritersinsider.com

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DANGER – DON’T LET A CLAIMS MADE POLICY LAPSE Expert Analysis & Commentary by Barry Zalma, Esq.

Why a Claims Made Policy Requires Claim Be Made During Policy Period

HFHS hospitals. (ACT–1 then subcontracted with ACS to provide the Henry Ford Hospital with nurses. On August 21, 2008, the estate of Gloria Brown sued HFHS for medical malpractice, alleging that Noel was negligent in treating Brown (“the Brown litigation”). The Estate of Gloria Brown did not name ACS or Evanston as defendants in that lawsuit.

laims Made and Claims Made and Reported policies contain traps for unwary insureds who do not understand the limitations of that coverage. Unlike “occurrence” based policies if a claim is not made during the effective dates of the policy there is no coverage at all although premium has been paid to the insurer for years.

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.

At some time between January and March of 2010, the Brown litigation settled for $877,243.03. Neither ACS nor Evanston participated in that lawsuit or settlement.

On September 10, 2010, HFHS sued ACT–1 and ACS In The ACT-1 Group, Inc. v. in Michigan state court for Alternative Care Staffing, the Eastern District of Michigan. indemnification in the Brown Inc., Slip Copy, 2015 WL Background lawsuit. The court entered 4967133 (E.D.Mich., 8/20/2015 judgment against ACT–1 and Evanston Insurance Company (“Evanston”) and Markel On March 6, 2007, Gloria Brown ACS in that suit for $877,247.03. Corporation’s (“Markel”) were died at the Henry Ford Hospital (Dkt. 1–2 at 159.) sued to provide defense and in Detroit, Michigan while indemnity to The ACT-1 and being treated by Alisha Noel, a ACS’ Insurance Policy filed motions for summary nurse employed by defendant Care Systems judgment which were ruled Alternative purchased medical upon by the District Court for (“ACS”). The Henry Ford Health ACS insurance System (“HFHS”) contracted malpractice through Evanston. However, Join Barry Zalma’s new Blog: with plaintiff, ACT–1 Group, Inc. http://www.zalma.com/blog (“ACT–1”), a staffing company, ACS financed its insurance to provide nursing staff for premiums through loans from 10

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the National Premium Budget Plan (NPBP), and the NPBP cancelled ACS’ insurance policy when ACS failed to make its monthly payments on the loan. ACS’ policy was cancelled effective March 25, 2009. Between March 25, 2009 and June 24, 2009, ACS did not have medical malpractice insurance coverage through Evanston or anyone else. On June 23, 2009, an application was submitted and confirmed that it was unaware of “any circumstances which may [have] result [ed] in a malpractice claim or suit being made or brought against [ACS] or any of [ACS’] employees.” As a result of the application, ACS began a new Evanston insurance policy on June 24, 2009, with no retroactive coverage. That policy lasted until June 24, 2010.

HFHS Contacts ACS

ACT–1’s attorney to the claims services manager at Markel. Two days later, John Foley, the claims manager for Evanston, contacted ACT–1’s attorney for additional information. Foley then assigned the claim to Jagady Blue, senior claims manager for Markel, for handling. Blue searched the record and concluded that no claim was made against ACS during ACS’ policy period that would have triggered coverage. ACS’ policy through Evanston expired on June 24, 2010.

Indemnification Suit On September 10, 2010, HFHS sued ACT–1 and ACS in Michigan state court for its settlement costs, plus additional costs and fees. On August 5, 2011, that court ordered ACT–1 to indemnify HFHS and entered judgment against ACT–1 for $877,243.03.

On September 9, 2008, Paradiso sent a letter to Corner asking her to tell ACS about the Brown litigation. In his deposition, Paradiso referred to this letter as a “notification letter” that contained “no claim request.”

ACT–1 sued ACS, Evanston, and Markel on July 15, 2013, claiming that ACS breached its subcontracting agreement by failing to indemnify ACT–1 in the Brown litigation. ACT–1 also sued Evanston and Markel No one at Evanston or on behalf as a third-party beneficiary of Evanston had any discussion under MCL § 600.1405, claiming with the owners of ACS or Corner that Evanston breached its 2008 until Fall 2009. On September insurance agreement with ACS 15, 2009, an insurance broker by failing to indemnify ACS in forwarded the Brown litigation the Brown litigation. papers, including the May 11, 2009 claim from Paradiso, Legal Standard and a copy of an email from www.underwritersinsider.com

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Defendant moves for summary judgment on two grounds: (1) that ACT–1 failed to file a claim with ACS or Evanston during the period of ACS’ insurance coverage and (2) that Markel Corporation is not an insurer. ACS’ insurance contract provides claims-made coverage, which means that only claims first made during the policy period will be covered. ACS was covered by Evanston insurance from May 28, 2003 to March 25, 2009, under a policy with a retroactive date of May 28, 2003, and from June 24, 2009 to June 24, 2010, with a retroactive date of June 24, 2009. The retroactive dates in the policies bar claims first made against the insured before those dates. Accordingly, plaintiff must show that HFHS first made a claim against it during one of these policy periods. On May 11, 2009, eight months after sending the first letter, Paradiso sent a second letter to the office manager of ACS. This letter stated that HFHS “ha[s] provided [ACS] with a copy of the Summons and Complaint which [have] been served upon Henry Ford Hospital.” It then conveyed the intent to hold ACS liable for the harm caused by ACS’ employee, Noel, advising ACS that HFHS had decided to apply the contract provision requiring ACT–1 to indemnify and defend HFHS with regards to the claims See ZALMA Page 24 11

OBAMACARE: WHAT NOW? WHAT’S NEXT?

OP/ED BY SPENCER A. LEHMANN, RHU

e are approaching the General Election year of 2016. The man responsible for creating and implementing the most destructive and anti-American Health Care Reform system in our history will be serving the last year of his second term in office. Thankfully, Barack Hussein Obama will not have another year to further take America down this road of providing less access to many more millions of Americans than were helped, to the health care that they need and deserve. Only the election of Hillary Clinton could continue unabated, the Obamacare Train Wreck we are witnessing today, as Ms. Clinton demonstrated in the early 90’s her desire to crush the Free Market private insurance system with her HillaryCare, which fortunately never saw the light of day, with the exception of Washington State, who overturned that misguided and politically motivated law two years after implementation, in 1995.

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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It will behoove America to make sure that no Democrat is elected to the Office of the Presidency in 2016. Their track record in the area of health care reform is demonstrably lacking. That said, so is the Republican Party’s track record. Obamacare, aka the UnACA (UnAffordable Health Care Act) would never have seen the light of day had the Republicans not also obviated their responsibility to the American Insurance consuming and Health Care consuming Public as they did for so many decades prior to the PPACA enactment in 2010. The fact is that for as long as any reading this can remember, we have had millions of Americans who could not access health care unless they had insurance to cover against a health care loss. Far too many Americans chose to not carry coverage even though they could afford it because they: • Would never need it. • Would never use it. • Didn’t trust insurance companies. • Didn’t care. The Underwriter’s Insider

Until they got sick or hurt and needed it. Then it was the insurance companies’ fault for not making insurance more affordable in the first place. Many more Americans could not access health care delivery when needed because they could not purchase insurance because they: • •

Could not afford the premiums. Could not qualify for Insurance policies because of pre-existing conditions.

Had the Democrats or Republicans or both in a bi-partisan effort developed and implemented needed insurance company reform to address these issues, Health Care Reform (HCR) would not have been needed. And as a qualifier to any who choose to mention controlling health care costs, as the Godfather would say, fo’gedaboudit. The UnACA not only does not control costs, costs have skyrocketed expressly because of Obama’sCare. When Special Interest Groups

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like the Insurance Companies themselves, Big Pharmacy, the Unions, the NEA, the AMA, the American Hospital Association, and other groups who stand to make or lose money because of specific legislation, are consulted within closed door back rooms with the shades drawn, and corrupt deals are cut to encourage those Special Interest Groups to go along to get along, the ultimate loser is always going to be the American Public. President Barack Obama made no bones about his willingness to negotiate those corrupt deals to the detriment of the American health care consumer. All of these facts have been validated and provided in the preceding 25 issues of this column. All are available on this site for your reading pleasure.

number of lies he and others like then Speaker of the House Nancy Pelosi told. All of this notwithstanding, the Supreme Court of the United States has upheld the various challenges to the UnACA and it is now time to move forward with sensible changes to this law See ObamaCare- Page 30

President Obama and his Democrat Party while controlling Congress, made and put this law into effect based on a myriad of lies and misinformation that they fed to the American public, earning Mr. Obama the honor of receiving seemingly as many Pinocchio’s for those lies from the Washington Post as the

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MIAMI INSURANCE AGENT ARRESTED FOR DIVERTING PREMIUM FUNDS

IAMI, Fla. – The Florida Division of Insurance Fraud today announced the arrest of Tania Michel, 41, for failing to notify the Department of Financial Services of a federal fraud conviction, continuing to work in the insurance industry after having her license expire, and knowingly misappropriated premium funds while working at an insurance agency. For nine months, Michel worked at a North Miami Beach agency with an expired agent’s license and with an unreported federal felony conviction. By failing to reapply for her license, she was able to further

Division of Agent and Agency Services, which licenses insurance agents and representatives in Florida, also coordinated in the investigation and has revoked Michel’s insurance license. She is now permanently barred from the insurance industry in Florida.

She surrendered to DIF detectives and was booked into Turner Guilford Knight Correctional Center facing multiple charges In 2007, Michel was arrested and including the diversion of funds, later convicted for federal health transacting insurance without a care fraud and was ordered to license, and for failing to notify pay more than $1 million in the Department of a criminal restitution and put on probation conviction. for three years. The Department’s

TWO-YEAR INSURANCE FRAUD INVESTIGATION LANDS MULTIPLE PIP FRAUD ARRESTS

ALLAHASSEE, Fla. – The Florida Department of Financial Services’ Division of Insurance Fraud (DIF) today announced multiple arrests related to a large-scale personal injury protection (PIP) fraud scheme spanning across Central Florida. Five individuals have been arrested for their various roles in the scheme, and arrest warrants have been issued for three additional individuals whose arrests are pending. Three related arrests have been made in the Fort Myers area. DIF partnered with the Federal Bureau of Investigation (FBI) to

conceal the felony fraud conviction that would cause her to become permanently barred from the insurance industry. She was fired by the insurance agency owners for suspected misappropriation of funds and sought employment at another Miami insurance agency where she continued the same unlawful behavior of diverting, or stealing, clients’ monthly premium payments for personal use.

conduct investigations into two personal injury clinics, First Medical Rehab of Bradenton (FMRB) and Kirkman Family Chiropractic Care (KFCC) in Orlando, after insurance carriers and former patients raised allegations of potential illegal activities.

The investigation into Kirkman Family Chiropractic revealed an organized plot to circumvent clinic licensure requirements set by the Agency for Health Care Administration. Because licensed health care professionals can operate clinics without the necessity of an additional clinic In the early months of 2014, a DIF license, co-conspirators solicited detective successfully infiltrated licensed chiropractors to serve as the Bradenton clinic by going straw owners, or owners on paper undercover and posing as a patient. only. As a direct result, investigators were able to prove that FMRB was To date, more than $100,000 in billing for medical treatments on fraudulent claims has been paid by injuries that did not exist. multiple insurance carriers.

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“PLANNED PARENTHOOD AND THE CONSEQUENCES OF SPEECH” By Jeff Atwater, Florida CFO

y now the videos of Planned Parenthood executives casually discussing abortion outcomes over lunch have been broadly distributed and widely viewed. They have occasioned an appropriate and long-overdue conversation on the nature of women's health care, its availability and adequacy. Merely marketing oneself as a source of women's health care is insufficient. Health care, above virtually any other service, must reflect the highest standards of care, compassion, sensitivity and ethics. The callous and insensitive manner in which Planned Parenthood executives view abortion should not only strip away any pretext to claims of selfless outreach but thoroughly condemn the value structure of the organization. Our reaction as a civil society to this abhorrent and inexcusable behavior will speak volumes about our standards and values as well. There are passionate people on all sides of the abortion argument. The ideas they espouse are, for the most part, deeply felt. One may vehemently disagree with public policy or judicial decisions, but no responsible advocate on either end of the equation has appeared more cavalier and coarse in the

accurate reflections of core values, they offer crystal-clear insights into the very nature of the speaker, and they are prisms that capture and magnify the soul and conscience of the individual. In short, they have very real meaning. There can be no such thing as casual speech, On the tapes, one individual particularly when the topic should looks forward to owning a command the deepest reverence Lamborghini while negotiating and respect, for both the unborn the price of a baby's body parts. and those making the anguished decision to abort their child. How impartial can counseling services be when there is a return on investment attached to human fetuses? discussion of an unborn baby than Planned Parenthood executives. Not only what was said, but how and within what context, should be considered intolerable by all well-meaning people throughout the world.

If we accept the manner in which the executives of Planned Parenthood choose to describe the procedures they perform, if we accept the commoditization of unborn baby parts, if we can endorse — tacitly or otherwise — clinically debating the merits of which part of the baby can be Jeff Atwater, Florida CFO best crushed without eroding the market value of the organs, then Another is concerned that "war- we have debased ourselves as a torn" parts will not provide the culture. We have, quite literally, best return on their investment, sold our souls in a bargain from while yet another acknowledges which we may never be able that bundling a stomach, kidney to escape. Societies do not die and heart in a petri dish will not from external assaults without command as good a price as first surrendering their essential humanity. This is the context selling them separately. within which our conversations Language and the choice of words on Planned Parenthood will be are much more than a convenient received by the generations that way to convey an idea. They are follow.

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SOUTH FLORIDA INSURANCE AGENT ARRESTED FOR STEALING NEARLY $150,000 FROM CLIENT

ALLAHASSEE, Fla. – The from his trust annuity account, Florida Division of Insurance and Kelley was fired after failing Fraud today announced to cooperate during an internal the arrest of Shane Kelley, 31, of investigation of the matter. MetLife Lantana on grand theft charges then contacted the Department’s after he allegedly Division of “Kelley used the funds I n s u r a n c e stole $145,000 for personal use and Fraud and an from a client’s annuity account purchased multiple cars i n v e s t i g a t i o n while working on the client’s dime.” uncovered as an insurance multiple cashed agent for Metropolitan (MetLife) checks as well as checks written Insurance Company. from the client’s account that were not authorized by the client. In the spring of 2014, a MetLife Records indicated that Kelley used client accused Kelley of stealing the funds for personal use and www.underwritersinsider.com

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purchased multiple cars on the client’s dime. Kelley was arrested and booked into the Martin County Jail where he faces a first degree felony grand theft charge. The case will be prosecuted by the office of Palm Beach State Attorney Dave Aronberg. The Department’s Division of Agent and Agency Services, which licenses insurance agents in Florida, also coordinated in the investigation and aims to take administrative action against Kelley’s insurance license. 17

N-INSURANCE MGA CO-FOUNDER GREG MURREY DIES IN FALL AT BRAVES GAME

n shocking news, the cofounder of N-Insurance, a wholesale insurance brokerage firm in Roswell, GA died after a fall from an upper deck at Atlanta’s Turner Field Saturday the 29th. Gregory “Ace” Murrey was 60. Reportedly, Murrey was a passionate Atlanta Braves fan and had approached a waist-high railing as Alex Rodriquez came up to bat and somehow went over the railing to fall 50’ to the concrete below. In 1985, Greg and Georgia insurance icon Bill Murrey founded

tickets to the Braves franchise for the past 23 years - and the franchise expressed it’s sadness and condolences by featuring Greg’s image on the field’s digital billboard along with a moment of silence at the next game. Murrey is not the first fan to fall to his death at Turner Field - and a full investigation is under way to determine the cause of the fall.

N-Insurance in Roswell, Georgia. The company offers wholesale insurance to retail agents via it’s Georgia offices and a Tarpon Yankee star Alex Rodriquez had Springs, Florida location. also expressed concern and condolences to the Murrey family Murrey had purchased season for the tragic accident.

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HERE L-R: Jason Murrey, Greg Murrey, Bill Murray

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FOUR MIAMI PIP FRAUD CONSPIRATORS ARRESTED

IAMI, Fla. - The Florida Department of Financial Services’ Division of Insurance Fraud (DIF) today announced four South Florida arrests of individuals on charges related to their involvement in three separate personal injury protection (PIP) fraud schemes that resulted in the billing of more than $145,000 in fraudulent insurance claims. Nayef Casas Diaz, owner of Miami PIP clinic M & N Rehabilitation Center, was arrested after allegedly organizing a staged accident scheme. Diaz reportedly paid each participant in the staged vehicle accident $1,000 to receive treatment from M & N and another clinic, Magic Hands Medical Service, for phony injury claims. As a result, fraudulent claims in excess of $63,000 were filed against the two insurance carriers. In a separate undercover investigation led by DIF, Alexis A. Gonzalez, owner of Health Max Medical Center (HMMC) in Hialeah, and HMMC clinic employee Erick A. Perez were both arrested for their involvement in a PIP fraud scheme. Both are alleged to have directed an undercover DIF agent posing as a patient to sign documents for treatment that were not rendered. www.underwritersinsider.com

Gonzalez compensated the undercover personnel with $1,000 for participating in the scheme which produced claims in excess of $11,000.

NC MAN ACCUSED OF INSURANCE FRAUD

ALEIGH -Insurance Commissioner Wayne Goodwin today announced Vicente Ortiz Alpizar was also arrested for his participation in a the arrest of Qwontavis Lafredrick staged accident that resulted in Dockery, 29, of 109 Jefferson Ave., more than $70,000 in fraudulent Albemarle; he is charged with one claims. Alpizar went to A & J count each of insurance fraud and Rehabilitation Center and D & attempting to obtain property by J Rehabilitation Center, both false pretense. located in Miami, to fraudulently receive unnecessary treatments Department of Insurance criminal following the staged accidents. investigators accuse Dockery of DIF has now made 15 arrests attempting to obtain payment for five different staged from National General Insurance accidents involving redundant Company by falsely claiming rehabilitation services provided on April 16 that his vehicle was by the two clinics for profit. stolen while he was out of state Included in those additional Investigators allege Dockery was arrests were the clinic owner and observed driving the vehicle while a runner from A & J Rehabilitation fleeing from police the same day; and two employees from D & Dockery was wanted on unrelated J Rehabilitation, including a charges in multiple jurisdictions. massage therapist. Dockery was arrested on August All four subjects were booked 24 in Stanly County with help from into Turner Guilford Knight local law officials and placed under Correctional Facility on a $10,000 bond. charges of Insurance Fraud and Grand Theft. Gonzalez, Perez, and Diaz also received charges of organized scheme to defraud. These cases are being prosecuted by the office of Miami-Dade County State Attorney Katherine Fernandez Rundle where if convicted, they each could face up to 15-30 years in prison.

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VERTAFORE ACQUIRES QQ SOLUTIONS

othell, WA. – June 16, More than 500,000 insurance 2015 – Vertafore, the professionals trust Vertafore leading provider of technology every day, utilizing the suite of agency software that management transforms the systems already in business of their portfolio which insurance, today includes AMS360® announced it management has acquired QQ system, the Solutions, Inc., a Vertafore® Agency leading provider PlatformTM cloudof innovative and based solution, powerful agency and Sagitta® management management systems and a Mark Malis system. The comparative rater CEO of QQ Solutions. addition of QQ offering. The move expands Vertafore’s portfolio of Solutions provides agencies agency management systems an unparalleled choice of and rating solutions, creating technology to grow their tools for agencies of every business. size with every budget. The acquisition further expands “My wife Candace and I have years empowering Vertafore’s rating capabilities spent agents to unlock their potential in Texas and Florida, solidifying the company’s position as the leader in the personal lines rating marketplace.

and build their businesses with technology,” said Mark Malis, CEO of QQ Solutions. “Joining forces with the market leader in insurance technology is something I’m really excited to be a part of.” Headquartered in Deerfield Beach, FL, QQ Solutions was recently recognized as a “Best Places to Work in South Florida” by the Sun Sentinel newspaper. The Florida-based company recently posted 70 percent growth year-overyear on their new CatalystTM platform, a SaaS-based agency management system. For more information on Vertafore’s portfolio of products for independent insurance agencies, please visit http:// www.vertafore.com.

“Vertafore has long been committed to providing world-class and innovative insurance solutions,” said Jeff Hawn, CEO and chairman of the board at Vertafore. “The addition of QQ Solutions makes us the obvious choice for any agency looking for solutions to stay competitive.”

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Breaking News

ccording to a recent story in Insurance Journal online, “Citing personal reasons, Manny Rios has resigned as president and CEO of specialty insurer American Modern, effective immediately, the insurer announced today. Last month state regulators in Missouri, Ohio, Indiana and Washington announced a regulatory agreement with American Modern over allegations that the company charged excessive rates in lender placed homeowners policies. In the settlement, American Modern agreed to pay $6 million in penalties and establish a $20.3 million restitution pool. The company gave no further explanation of the Rios’ departure in the announcement.”

aritime Program Group bolsters their recreational marine division with three new hires. Maritime Program announces three new hires to their recreational marine division; naming Roger Carbonier as a Vice President and Director of Recreational Marine, Michael Luu as Commercial Marine Underwriter and Maria Lawrence as West Coast Yacht Underwriter.

he Florida Department of Financial Services’Division of Insurance Fraud (DIF) today announced four South

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Florida arrests of individuals on charges related to their involvement in three separate personal injury protection (PIP) fraud schemes that resulted in the billing of more than $145,000 in fraudulent insurance claims. Nayef Casas Diaz, owner of Miami PIP clinic M & N Rehabilitation Center, was arrested after allegedly organizing a staged accident scheme. Diaz reportedly paid each participant in the staged vehicle accident $1,000 to receive treatment from M & N and another clinic, Magic Hands Medical Service, for phony injury claims. As a result, fraudulent claims in excess of $63,000 were filed against the two insurance carriers.

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ll Risks, Ltd., the nation’s largest independent wholesaler, announces its acquisition of Tower Program Insurance Services, Inc., a national program administrator, based in Austin, TX. Tower Program Insurance Services, Inc. has developed a national program for the tower construction industry and has joined All Risks, Ltd. effective July 31, 2015. Coverages include Workers’ Compensation, General Liability, and Umbrella. Additionally, Auto, Installation Floaters, and Professional Liability may be available. WC can be written monoline, tailored to the needs of the individual account. The minimum premium is $50,000 written through an admitted A.M. Best A XV rated carrier. Submission requirements include an ACORD form, supplemental application, five years of currently valued loss runs, five years of payroll and revenue, NCCI Mod worksheets, current year-end financials, copy of the subcontractor agreement (if quoting the GL), as well as premium and loss summary, if available. www.underwritersinsider.com

class action suit has been filed against ten auto makers by consumers over deaths “caused by keyless ignitions.” The suit claims the vehicles were inherently defective because they did not shut themselves off. We are not kidding here folks: In a world where an injured party takes zero responsibility for his/her own actions, the consumers content in their suit, because there was no key, somehow they had every expectation that the vehicle should have known it was parked in a garage, the driver had departed, and it was time to kill the engine. There seems to be no limit to the creativity exhibited by a hungry plaintiff’s lawyer. The defendants include BMW Group, including Mini; Daimler A.G.’s Mercedes-Benz; Fiat Chrysler Automobiles; Ford Motor Co.; General Motors Co.; and Honda Motor Co., including Acura, Hyundai Motor Co., including Kia; Nissan Motor Co., including Infiniti; Toyota Motor Corp., including Lexus; and Volkswagen A.G., including Bentley.

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recent unanimous California State Supreme Court decision (Fluor v. Superior Court (Hartford)) ensures policyholders are protected from insurers refusing to cover thirdparty liability claims when the insured transfers the insurance benefits after the events triggering coverage have occurred but before claims are fully resolved. The court relied heavily on the amicus brief field by Insurance Commissioner Dave Jones, which argued that once an insurer accepts premium for a risk and the covered events occur during the policy period, the insurer’s obligation is fixed and it must defend the insured against subsequent third-party claims even if the insurance benefits are transferred to another entity before claims are fully resolved. In the Fluor v. Superior Court (Hartford) case, the issue was whether an insurer can walk away from coverage obligations when the insured transfers the insurance benefit to another entity, after the events triggering the insurance coverage have already occurred. 23

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ZALMA against Noel. The letter further counseled ACS that “it will be important for ACS to contact Noel and make arrangements for representation.”

is not contractually bound to provide insurance coverage for any restitution related to the Brown litigation that ACS may have to pay.

OHIO AGENT SENTENCED TO 8 YRS FOR $1M+ SENIOR THEFT

Because there is insufficient evidence for a reasonable LEVELAND - Ohio Attorney juror to conclude that ACT–1 General Mike DeWine properly filed an insurance announced today that claim against ACS during However, Paradiso’s letter of the period of ACS’ Evanston a Medina County man has been May 11, 2009 was sent and insurance coverage, summary sentenced to serve eight years received in the three-month in prison for orchestrating an judgment must be granted. period during which ACS investment scheme that primarily lacked Evanston insurance. ZALMA OPINION targeted older Ohioans between ACS’ 2008–2009 policy was 2009 and 2014. cancelled on March 25, 2009, and its next policy Had the insured paid the loan D e n n i s began on June 24, 2009, payments its policy would not Flood, 64, of with a retroactive date of have been cancelled by the Brunswick, June 24, 2009. Because ACS premium finance company pleaded guilty first received Paradiso’s it would have had coverage in Cuyahoga insurance claim on May 11, available. Because of the three C o u n t y 2009, during the three-month month lapse in coverage the C o m m o n period in which ACS lacked loss that occurred during the Pleas Court insurance coverage, Evanston lapse was not covered. last month to Dennis Flood, 64 felony charges of engaging in a pattern of corrupt activity and aggravated theft. He was sentenced today by Judge Hollie Gallagher to serve eight years in prison and pay a total of $1,153,163.77 in restitution to the victims who lost money in connection with the scheme. Flood stole more than $1 million from 45 victims in Ohio and Pennsylvania by deceiving them into purchasing fictitious investment certificates through his company, D.L. Flood Agency. The victims, who were primarily in their 70s and 80s, were promised a large return on their investments, but few ever received any money back. 24

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YOU MAY HAVE SEEN FELIX BAUMGARTNER’S JUMP FROM 128,100 FEET - BUT YOU HAVE NEVER SEEN IT LIKE THIS! Jumping From A Balloon 23 Miles Up Baumgartner Actually Breaks The Sound Barrior On His Way Back To Planet Earth!

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HERE REPORTER BUSTS CLUELESS UNIVERSITY STUDENTS They Didn’t Know Who Won The Civil War Or The Name of the Vice-President - Yet They Will Probably Graduate With Honors, Be Allowed To Vote, and Worse, They’ll Reproduce! www.underwritersinsider.com

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“The Final Authority on Everything!” The Trump Paradox

ince you seem to be such a political wonk, what’s your take on Trump being so far ahead in the polls in spite of so many gaffes? I think he’s a bully. S.T. Birmingham, AL While the Trump story will continue to evolve before this issue wraps in early September, the Advisor is wondering when the novelty of this brash, rude, often “bullying” candidate will grow thin, even among initial supporters. When Trump first began his bombastic entry into the 2016 presidential campaign, his forceful, direct message absolutely resonated with most Republican and many Democrat voters disgusted with the coy, cowardly inaction of the current political class - from the White House to the Congress.

ADVISOR

to immediately apologize, fold and go into hiding. He was roundly trashed by most of the other candidates and mainstream media pundits. A dozen cowardly commercial partners immediately and publicly disowned him, dropping his clothing line and refusing to play planned championship golf matches on his courses Univision even cancelling his beauty pageants. The national political correctness machine went into full-overdrive and the demise of Trump was all but a certainty. The only thing yet to happen was the final Trump

mea culpas before the candidate was exiled to obscurity, shamed and diminished. Or so it seemed. But Trump doubled down - apologized for nothing - and his poll numbers soared - eclipsing every other GOP candidate by double digits. The political world and those that cover it, sat back shocked, and asked themselves, “Just what the hell is going on here?” It was as if an immutable law of physicshadbeenbroken. Trump, See TRUMP PARADOX - Pg 37

He first spoke harshly about Mexican immigrants - and the media did a collective faint - gasping at the politically charged statement - expecting Trump www.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!

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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

15-6

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 29

Continued From Page 13

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

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

OBAMACARE to allow Americans to be able to access the health care delivery that they need. So how can we progress to fix this trainwreck? Let’s examine a few ideas on how we might start working toward that goal. As this is a monthly column, let’s take this one major fix at a time.

Let us begin with the Individual Mandate. If we are to have Experienced Licensed Guaranteed Issue, all applicants CSR Wanted guaranteed a policy with no Ft. Lauderdale pre-existing conditions waiting Agency needs experienced 440 period, then all Americans must licensed CSR for renewals/ Florida 2-20 sales. Renew policies upon apply for and have coverage, expiration dates; obtain in- and pay their premiums, OR, or 4-40 Agent formation to determine covWhy? erage changes/requirements, pay a very big fine/tax. Hialeah In order to have enough healthy and binding. Quote to shop renewals. Prepare/provide people in the Risk Pool and not Small agency has an information to insureds usopening position for a ing verbal and written com- just the older and more sick, commercial lines agent munications. Cross-sell op- but the young and healthy as with homeowner and auto portunities for auto, life, well, everyone in America must insurance knowledge in and flood. Fax resume to 561No exceptions. 948-4582 or email to ahart@ participate. Hialeah Fl 33018 15-2 accessaip.com. That means that the Individual 15-3 Mandate stays, but this time Producer/Brokers with teeth in it. No lightweight Wanted: Nationally 2-20 Agents & Producers little 1% or 3% of Adjusted Gross USG Insurance Services, Inc. Wanted - FL & GA Income (AGI) fines. 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 30

We Insure Group, Inc. is one of Florida’s ‘Fastest Growing Companies’ and is looking to expand even more! Currently seeking new Agency Owners in Central and North Florida, as well as, experienced Producers throughout the entire state! Please Contact: We Insure Group Franchising franchise@ weinsuregroup.com 855-483-3901 15-3

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The Public has already demonstrated that they are more than willing to pay 1% to 3% of AGI and not pay a $10,000 to $20,000 premium. Perhaps a penalty of 25% of Premium due would help to motivate the See ObamaCare- Page 41 The Underwriter’s Insider

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13.) Flight logs from Epstein’s private jet — nicknamed the “Lolita Express” — show at Notable Quotes You May Have Missed! least 10 trips by Bill Clinton, including several on which he Somebody Explain This flew (according to Gawker) with “a woman who federal prosecutors believe procured To Crazy Old Bernie... underage girls to sexually service Epstein Socialism is a philosophy of failure, the and his friends and acted as a ‘potential cocreed of ignorance, and the gospel of conspirator’ in his crimes. Tick, boom!” envy, its inherent virtue is the equal sharing From an OP/ED Column by Democrat author of misery.” Damon Linker in THE WEEK on the subject The famous orator of Hillary Clinton’s candidacy becoming a and war-time British “time bomb” for the Democratic Party - with Prime Minister Winston her continuing string of lies, corruption, Churchill weighing in on concealment and incompetence - the the the oft-failed economic Bill Clinton/pedophile link yet to be widely system with which reported. Clinton’s lawyer, obviously, denies Democrats continually flirt. In fact, their front- the claim. runner for the 2016 presidential nomination in some venues, Bernie Sanders, as a proud, selfHear The One described socialist. Socialism’s utter failures, About The Guy In A Bear Suit? Greece, Spain, Italy, Venezuala, Argentina, ad infinitum, never seem to bother them at all Our job is to count fish.” while the screaming success of a free-market capitalist republic - bringing wealth to people Alaska Fish and Game of all classes is never even noted. Assistant Area Management Biologist Mark Sogge, in Bill Clinton & The Lolita Express August, when explaining that interrupting an unknown But what concerns me far more is a specific man in a bear suit harrassing story — one about Jeffrey Epstein, the wild grizzly bears while they billionaire investor with a taste for sex with were catching salmon, was a underage prostitutes. Lots of them. Perhaps little out of his ordinary job description. The as many as “34 confirmed minors.” (Palm man, who’s intentions were unknown, got to Beach Billionaire Epstein pled guilty to within 5-10 feet of a sow and her two cubs. Florida charges in 2008. He was sentenced Unfortunately, the man’s antics were not to 18 months and released after serving captured on film.

SAY WHAT?

“

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moment. The big question about Hillary Hillary’s Home-Brew Email Server Stored In A Bathroom? Clinton is, who is she? Is she this secretive

hidden person or is she this valiant public I think it’s really bizarre, I don’t know how servant? Look at those 60,000 emails and that relationship evolved. At the time I you’re going to get some answers.” worked for them, they wouldn’t have been Watergate Washington Post equipped to work for Hillary Clinton because Famed I don’t think they had the resources, they investigative reporter Bob Woodard whose were based out of a loft, so [it was] not very journalism, along with fellow reporter Carl high security, we didn’t even have an alarm. Bernstein, helped bring about the demise and I don’t know how they run their operation resignation of President Richard Nixon. BTW, now, but we literally had our server racks in has anyone thought about the VOLUME of the bathroom. I mean, knowing how small emails? If she worked an average of 5 days a Platte River Networks ... I don’t see how that week, 10 hours a day during her four years as Sect’y of State, she would have had to process would be secure [enough for Clinton].” nearly 10 emails per hour, every hour, every Tera Dadiotis, a former customer relations day in order to accumulate 60,000 emails!

“

employee of Platte River Networks, the little Are You Listening Obama? “mom & pop” Denver-based technology company that managed Hillary’s nowAs America, we have infamous email server. Clinton had deleted no luxury of a single over 30,000 emails from the server claiming they were personal in nature - and then opponent. We have to “wiped” the server clean in order to eliminate be able to fight guerrillas and terrorists all the way the possibility they could be recovered. up through nation-state militaries. If we do not Reporter Who Helped maintain our commitment to remain strong in the air, on the sea and yes, on the ground, Take Down Nixon Weighs then we will pay the butcher’s bill in blood, In On Clinton Email Scandal and we will forever lose the precious gift of our freedom.” It’s extraordinary. Again, it’s the volume: 60,000 emails and Hillary Clinton has Gen. Mark A. Milley as he was sworn in as the said 30,000 of them, half, were personal Army’s 39th chief of staff in August offering a and they were deleted. Who clear warning against reducing the strength decided that? What’s on or the size of our military. As Commander those emails? I would love to and Chief of the armed forces, President have all 60,000, read them. It Obama has been leading a focused would be a character study charge to shrink and diminish our military about her personal life and while, at the same time, our enemies have also what she did as secretary been heavily investing in growing their of state. And step back for a capabilities.

“

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TROUBLE WAKING IN THE MORNING? TRY THE HIGH-VOLTAGE EJECTOR BED! Inventor Colin Furze Solves a Common Problem

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Continued From Pg 27

THE TRUMP PARODOX

“bimbo” along with a number of other pejorative. Kelly, for her part, has remained professional and cool, saying, “I’m a big girl.”

under ordinary circumstances, Enthusiasm for Trump may be would have been shamed cooling. As we go to print, Ben and exiled - instead he was Carson is in a dead-head with kicking butt - and Trump in Ohio and continues to do so. Carly Fiorina is pulling in third. Yet Trump’s brash style loses it’s The clear message appeal when he derived from the turns bully - as he top three potential has done with Fox nominees for the New’s Megyn Kelly. Republican ticket Kelly, a former is this: Voters want Megyn Kelly lawyer, and now a nothing to do with popular Fox News analyst and politicians this voting cycle. commentator, asked some Republicans voters have given pointed questions of Trump the party both the House and concerning his treatment the Senate in the 2010 and of women during the first 2012 elections - yet many feel Republican debate that made that their team has done little Trump uncomfortable - and if anything to confront the angry. lawless Obama Administration. After the debate, thinskinned Trump lashed out at Kelly in a very crude way - making reference to her menstrual cycle, calling her unprofessional and sounding about as presidential as Andrew Dice Clay.

the Advisor doesn’t see him as the nominee. Frankly, we see Carly Fiorina as the best person for the job - with her excellent debate skills, her extensive executive experience and her willingness to point out the ongoing collection of liberal lies (“War against women,” “Tax breaks for the rich,” etc) that make up the Democrat platform. Watch the vid to see Carly Fiorina effortlessly make mincemeat of liberal Katie Couric. I want to watch Carly debate Hillary - if Hillary’s not in jail.

Conservatives have the power now - and they intend to use it to punish the political ruling class and advance the conservative agenda.

Turmp may be pushing the conversation in the right direction and some of his excess testosterone may be rubbing Since then, and for no particular off on the other candidates reason, he’s reignited the and that’s a good thing - but one-sided feud, calling Kelly a 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 plaintiffs’ 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. Zalma’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.

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KIM KOMANDO

2. How can I tell if there are potential compatibility problems BEFORE I install Windows 10? Some people are (correctly) worried about upgrading to Windows 10 and then finding out that a critical program or piece of hardware doesn’t work. Fortunately, you can get the scoop on potential problems before you hit the Upgrade button.

idea of whether or not an upgrade is going to be smooth for you.

alternatives you can use.

4. Is it true I can’t refuse updates?

Did you request an upgrade and haven’t gotten it yet? Here’s why Microsoft is rolling out Windows With Windows 10, Microsoft decided that all security and 10 upgrades in stages. program updates would install automatically the day they’re 3. Are there any critical released. This makes sense features in older for security, since millions of versions of Windows Windows users worldwide don’t install updates and leave their that Windows 10 computers open to attack.

doesn’t have?

Unfortunately, it also means that you can’t avoid problematic updates, as some Windows 10 users found out recently. Microsoft released a cumulative update that put some machines into an endless reboot, and there was no way to tell Windows to ignore the update. Microsoft is probably going to keep tweaking the system to minimize situations like that in the future, but it’s still a bit of control you no longer have.

It depends on your definition of “critical,” but yes, Windows 10 has dropped some features that some people rely on. The one most people seem to be upset about is Windows Media Center (don’t confuse this with Find the Get Windows 10 app Windows Media Player, which is icon in the notification tray at still installed). the bottom-right corner of your screen (it’s the white Windows Media Center is a Windows logo). Right-click on it and select program that lets you watch and record TV using third-party TV “Check your upgrade status.” tuner cards in your computer. It’s If you’re using Windows 10 Pro Then in the screen that appears, also a nice way to manage and or Enterprise, there is an option click the icon with the three interact with your videos, music to defer updates for a little while. horizontal lines in the upper- and other media. If you’re running Windows 10 left corner. From the menu that Home, however, you’re out of drops down, click “Check your You can replace this with a free program like Kodi, but test it luck. PC.” out before you upgrade to make Also, the way Windows 10 gets The app will bring up an overall sure it does everything you updates has changed. By default, “yea” or “nay” on installing want. Some of my readers have it is downloading update files Windows 10, and then list some tried it and say they prefer Media from other users, and other users items on the computer that Center. might not be fully compatible. There might be things it misses, but it should give you a general www.underwritersinsider.com

There are six more features Windows 10 dropped. Find out what they are, if there are

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See Windows 10 Questions Pg 40 39

Continued From Pg 39

WINDOWS 10 QUESTIONS get to download update files from your computer. Learn why Microsoft is doing this and the setting you can change to stop it.

back correctly and what it takes to fix it.

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 That isn’t the only privacy concern tablets to online privacy and that comes with Windows 10. data hacks. For her daily tips, free Here are three more you need to newsletters and more, visit her know about, from ad tracking to website at Komando.com. Kim learning everything about your also posts breaking tech news 24/7 life it can. at News.Komando.com.

5. If I upgrade and don’t like Windows 10, can I undo it? For 30 days after you upgrade, you can go back to the version of Windows you upgraded from. Go to Start>>Settings and choose the Update & Security icon. Then go to the Recovery section and under “Go back to Windows 8.1” or “Go back to Windows 7,” click “Get Started.”

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TIRED OF POLITICS? HERE’S THE NEXT BEST THING - PIG WRESTLING AT A UTAH COUNTY FAIR! Watch The Video To See An Animal Rights Protester Get Thrown Over The Fence By One Of The Pig Wrestlers...

Windows will ask why you’re going back, give you some warnings and then do its thing. It’s relatively simple, although the process will take a while. Unfortunately, it isn’t a completely foolproof feature. Find out what might not get put 40

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OBAMACARE consumer to be responsible. This is only to illustrate the need for the penalties to be severe enough that they provide motivation for the consumer to purchase the insurance plan best suited for them. Other mechanisms may prove to be more appropriate. An alternative to having an individual mandate would be to allow the insurance companies to implement a Pre-existing Condition Clause, i.e. a history of arthritis garners a 90 day waiting period, and a history of cancer garners a 12 month waiting period. A woman who is pregnant will have a nine-month waiting period. Yup. First one is on her, or them if she is married. You can’t wait for the house to catch fire to call the insurance company. What is important to understand here is that if there is to be no Individual Mandate then there must be some other means of protecting the tax-paying American from those with preexisting conditions destroying a good spread of risk, which will drive premiums up so high that coverage will become unaffordable for everyone. Yes, that means the insurance companies must be able to make a fair profit.

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We can explore other areas of the now UnACA to make it Affordable and workable in the next issue. As it appears that the GOP led Congress is having trouble coming up with solutions, perhaps we as agents, brokers, and just plain American consumers, can help them along the way. If you have any ideas, especially those of you in the Health Insurance profession, please post your ideas on this topic and lets compile a workable list. Maybe we can do what Congress and the administration have been unable to do, create an understandable a easy to follow map of how to get there from here.

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BLACK ACTIVIST DENOUNCES “BLACK LIVES MATTER” MOVEMENT

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I challenge every leader, starting with the president down to myself, to denounce the black lives matter movement,” he said. “It’s a racist movement — racist to the core — and it will only cause more division and more hate among Americans. Let’s stay united.”

Watch The Vid!

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