The Underwriter's Insider February 2016 by The Underwriter's Insider

IN THIS ISSUE February 2016 Vol 12 Issue 2

Agent Sentenced To 10 Years

Joseph Anthony Mele, 31, of Ventura was sentenced January 14 to 10 years in state prison after pleading no contest to multiple felony counts including

The so called Navigators that Obama assigned to help the public have no more ability to help advise on coverage than a clerk in a Driver’s License office has to advise someone on how to drive.

IRS Changes The Rules: Employee Or Contractor? Under United States common law, a worker is an employee if the person for whom he or she works has the right to direct and control the way he or she works, both as to the final result and as to the details of when, where, how, and in which sequence the work is to be done. Stop Skimmers From Stealing Your Money

Anti-Stacking Provision Limits Recovery When a person has two different liability policies that provide coverage for the same risk of loss the insured may usually tap both policies. As a result insurers placed anti-stacking pprovprovisions in their policies...

Europe: Inviting Rape Culture In? As more and more North African Muslim refugees pour into Europe - often by invitation as in the case of Angela Merkel’s Germany, the incidence of reported rape and sexual abuse among women is rising fast.

Trouble Viewing The Insider? Five Hot Tips To Make It Easier From time to time I hear from a reader having difficulty viewing The Insider. Here’s a few tips to maximize your viewing experience.

M.I.T. Announces Major Breakthrough in Fusion Reactor Technology Fusion power could be here in less than a decade: M.I.T. reveals a small reactor it claims could create limitless amounts of energy.

Calif. Fires Estimated To Cost $1 Billion Two of the most destructive fires in California’s history, the Valley and Butte Fires, ravaged nearly 150K acres in Northern California last fall and caused an estimated $1 billion in insurance losses.

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Florida Agent Arrested In $200,000 Fraud The Florida Division of Insurance Fraud (DIF), which operates under the direction of CFO Jeff Atwater, today announced the arrest of Timothy T. Rush, a 38-year-old Bradenton-based insurance agent

One of the more successful tools of 21st century crooks is the skimmer. Thieves attach them to ATMs, gas pumps and other places people swipe their credit and debit cards.

When Obamacare Personnally Hits Home

Insurance Companies Ripped Off For $650K+ by Unlicensed Clinics The Florida Department of Financial Services’ Division of Insurance Fraud (DIF) today announced the arrest of two unlicensed clinic owners from Dade County using straw owners to operate the clinics.

Feds To Reduce DUI To 1 Drink? Never satisfied with their micro-management of your life and what should be state issues, the Federal NTSB has announced it wants to decrease the legal driving limit to one drink.

SpaceX Launches Satellite Into Orbit - Can’t Stick The Landing

“In no way shape or form does anyone in this room believe that Islam or the teaching of Islam has anything to do with [the shooting of a Philadelphia police officer by a crazed Muslim...) Ultra PC mayor goes nuts.

On January 17, Elon Musk’s SpaceX Falcon 9 successfully delivered it’s satellite cargo into orbit but, unfortunately, was unable to land its first stage onto an ocean barge intact as intended.

Hilarious Vintage Ads - Part of a Short Series

Old Chase & Sanborn Coffee ad suggests you beat your wife if the coffee is stale... Hard to believe!

Refugees Raping Because They Were not “Effectively Integrated?” Liberal NYT OP/ED writer blames the German government - not the refugee rapists - for the hundreds of cases of rapes and sexual abuse in Germany.

Got Gitmo? The Insider’s Advisor Addresses This Issue President Obama’s fascination with closing GITMO, an ultrasecure prisoner-of-war facility maintained on our naval base in Cuba is bewildering to say the least.

Feel The Bern? Wild-Eyed Bernie Sanders Promises Single-Payor HealthCare $5K savings

Bernie Sanders, selfproclaimed “Democratic Socialist” and presidential candidate, is making big promises regarding healthcare.

Whiskey-Tango-Foxtrot Quote of the Month

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CALIFORNIA INSURANCE AGENT SENTENCED TO 10 YEARS IN PRISON FOR FINANCIAL ELDER ABUSE

ANTA BARBARA, Calif. â&#x20AC;&#x201D; Joseph Anthony Mele, 31, of Ventura was sentenced January 14 to 10 years in state prison after pleading no contest to multiple felony counts including financial elder abuse, grand theft and embezzlement.

the victims received all of the surrender fees, penalties and interest back from the insurance companies. One victim feared she might lose her home, but the recovered money allowed her to stay.

"Joseph Mele's callous scam targeted vulnerable seniors with the intent to illegally enrich his lifestyle," said Insurance Commissioner Dave Jones.

"Thanks to the superior work of the California Department of In addition to these Insurance Enforcement Branch, deceptive sales Santa Barbara District Attorney's A former insurance practices, Mele Office, Santa Barbara Police agent, Mele gained advised the 93-year- Department and State Franchise the trust of two elderly old victim to sign Tax Board, the elderly victims in victims, age 93 and blank checks totaling this case have received justice. I 74, and acted as their over $800,000 so am committed to working with financial planner. He he could invest California's District Attorneys to Joseph Anthony Mele, 31 purchased, sold and the funds for her. end elder abuse scams across the repurchased long-term annuities The money was not invested, but state." without their knowledge, which instead deposited into Mele's ultimately resulted in the victims personal bank account and used Mele was remanded to custody losing over $2 million combined. for entertainment, elaborate to begin serving his 10-year vacations, gambling, and plastic sentence at the conclusion of Mele twisted and churned the surgery. Thursday's sentencing hearing. victims' policies, a deceptive practice of rewriting annuities in order to obtain additional commissions under the guise of providing better returns. Mele earned hundreds of thousands of dollars in commissions through these deceptive practices and caused the victims to incur over $650,000 in surrender fees, penalties and lost premiums. Thanks to the persistence of Department of Insurance Investigator Tamara Kessler, 4

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INDEPENDENT CONTRACTOR OR EMPLOYEE?

nder United States common law, a worker is an employee if the person for whom he or she works has the right to direct and control the way he or she works, both as to the final result and as to the details of when, where, how, and in which sequence the work is to be done. It is the IRS' view that the employer need not actually exercise control. It is sufficient that it has the right to do so. Here are 20 questions the IRS will use to determine if workers are company employees or true independent contractors. The IRS considers any “yes” answer to be evidence of an employer/employee relationship.

The 20 Questions

1. Do you provide the worker with instructions about when, where, and how the work is to be done? 2. Do you provide training to the worker to enable them to perform a job in a particular method or manner? 3. Are the services the worker provides integrated into your business operation? 4. Is the worker prohibited from delegating work to others? 5. Does the worker have the capability to hire, supervise, or pay assistants to help them in performing the services under contract? 6. Is the relationship between the person or company performing the services and you a continuing relationship? 7. Do you set the hours of service for the worker? 8. Is the worker required to devote their full time to performing services for you? 9. Is the work performed at your place of business? 10. Do you direct the order or sequence in which the work must be done? 11. Is the worker required to provide regular written or oral reports to you? 12. Do you pay by the hour, week or month? 13. Are the worker’s business and/or traveling expenses reimbursed? 14. Do you furnish tools and materials used by the worker in providing services? 15. Does the worker have a significant investment in facilities used to perform services? 16. Is the worker insulated from both a profit and a loss as a result of the activities performed for you? 17. Does the worker perform services solely for your firm? 18. Does the worker not make their services available to the general public? 19. Is the worker subject to dismissal for reasons other than nonperformance of contract specifications? 20. Can the worker terminate the relationship without incurring a liability for failure to complete a job? Many Thanks to Michael Athmer of Human Capital Florida (PEO) for this timely info! 2377 Center Stone Lane, West Palm Beach, Florida-33404 mcathmer@gmail.com 561-644-8315 www.underwritersinsider.com

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February 2016

INSURANCE • POLITICS • TECNOLOGY • PEOPLE A Publication of AdMax Corp., Inc. Corporate Offices P.O. Box 31551 Palm Beach Gardens, Florida 33420 Ron Manera, Publisher/Senior Editor Join Me On Linkedin: HERE Follow Me On Instagram: @rmanera 561.718.0745 • ron@insurmedia.com

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February 2016

STOP SKIMMERS FROM STEALING YOUR MONEY

Really Cool Info - by Kim Komando

ne of the more successful tools of 21st century crooks is the skimmer. Thieves attach them to ATMs, gas pumps and other places people swipe their credit and debit cards. Once in place, this sneaky bit of electronics steals the magnetic strip information from your card.

buying gas. That’s a widespread, long-term threat.

If you had any doubts, skimmers It doesn’t help that skimmers are are out there and can be available for sale to anyone who anywhere. So, how do you spot a skimmer before it snags your information? Here’s what you need to look for. Overlay skimmers

The thieves use this information to clone your card, and once they have a clone, they can drain your bank account, or run up huge bills and trash your credit before you even know it. That’s one reason credit card companies and stores are switching to EMV cards, or “chip” cards, but it will take a while before every retailer supports them, which leaves you vulnerable.

An overlay skimmer is one that fits over the card reader slot of an ATM or gas pump. For old or lowquality overlay skimmers, there are a few things you can look for.

How bad is skimming? Using skimmers, thieves have stolen untold millions of dollars. Last year, four men were arrested for allegedly stealing $2.1 million using skimmers at gas stations across the South. Let’s say the average gas transaction was $50. To rake in $2.1 million, they needed to skim approximately 42,000 transactions of people www.underwritersinsider.com

tripled in Queens this year.

wants to buy them, so they can show up anywhere. Just glancing at the news for the last few months shows that skimmers were found at dozens of local gas stations in Detroit, St. Louis, various sites in Cincinnati, cities in Florida and ATMs at banks around the country. According to the New York Police, ATM skimmer use has Table of Contents

The skimmer is usually modeled, or in some cases 3-D printed, to look like the part it’s covering. However, it might not be the same quality or color as the rest of the machine. Maybe it’s protruding a bit too far or isn’t installed straight. If it looks like it doesn’t quite fit or is loose, then that’s a possible warning. You can also look around for additions to the machine that could hide a camera pointed at the keypad. This is often how crooks get your PIN. It might be See Kim Komando Pg 38 February 2016

ANTI-STACKING PROVISION LIMITS RECOVERY Expert Analysis & Commentary by Barry Zalma, Esq., CFE INJURED PERSON CAN’T GET MORE FROM TORTFEASOR’S INSURER THAN THE LIMIT OF ONE POLICY

for injuries incurred. Since the action was brought by the injured parties it appears they took an assignment from the tortfeasor and placed their bets on the suit against the insurer rather than trying to collect their injuries from the assets of the tortfeasor over the insurance coverage.

hen a person has two different liability policies that provide Join Barry Zalma’s new Blog: coverage for the same risk of http://www.zalma.com/blog loss the insured may usually tap both policies. As a result insurers placed anti-stacking provisions FACTS in their policies limiting recovery to the highest limit of any one John and Jessica Gohagan policy. appealed the district court’s grant of summary judgment In Gohagan v. Cincinnati Ins. Co., to The Cincinnati Insurance — F.3d —- 2016 WL 66944 (USCA, Company (“Cincinnati”). The 8th Jan. 6, 2016) a trial court district court held that, even refused to allow stacking of two if both the Business Owners policies and limited the plaintiffs Package (“BOP”) and Commercial to one policy limit. The plaintiffs General Liability (“CGL”) policies appealed claiming they were issued by Cincinnati covered Mr. entitled to stack the two policies Gohagan’s injury, the terms of and thereby double their recovery those policies prohibited a single

injury from giving rise to more than the $1,000,000 in coverage benefits the Gohagans had already received under the CGL policy. On appeal, the Gohagans argue that they are entitled to coverage under both the BOP and CGL policies and that the policies’ anti-stacking provisions are ambiguous and therefore must be construed to allow coverage up to the $1,000,000 each-occurrence limit of both policies, for a total of $2,000,000 of coverage. In January 2012, Thomas Campbell attempted to remove a tree from a property being developed for a residential subdivision. The tree fell on John Gohagan, who suffered serious injuries as a result. Mr. Gohagan asserted claims against Campbell for the injuries, and Mrs. Gohagan sought compensation from Campbell for loss of consortium. The Gohagans reached a settlement with Campbell, which included Cincinnati’s payment of the $1,000,000 per-occurrence

Barry Zalma, Esq., CFE, practiced law in California for more than 43 years as an insurance coverage and claims handling lawyer. He now limits his practice to service as an insurance consultant and expert witness specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He also serves as an arbitrator or mediator for insurance related disputes. He founded Zalma Insurance Consultants in 2001 and serves as its only consultant. 10

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February 2016

limit under the Cincinnati-issued CGL policy held by Campbell and his wife. However, the Gohagans reserved the right to litigate whether Campbell’s BOP policy, which also had a $1,000,000 each-occurrence limit, provided additional coverage.

ANALYSIS

Cincinnati under the CGL policy, their appeal fails if the BOP and CGL policies’ anti-stacking provisions limit the combined total of coverage for Mr. Gohagan’s injury to $1,000,000. The declarations pages of both the BOP and CGL policies refer to an “Each Occurrence Limit” of $1,000,000 and a “General Aggregate Limit” of $2,000,000. The Eighth Circuit Court of Appeal saw no ambiguity in the wording of the various policies. An ambiguity exists when there is duplicity, indistinctness, or uncertainty in the meaning of the language in the policy. Language is ambiguous if it is reasonably open to different constructions. A contract or provision is not ambiguous merely because the parties disagree over its interpretation.

Although the parties stipulated to the fact that the BOP policy was in effect when Mr. Gohagan was injured, Cincinnati contended that the BOP policy’s bodily injury liability coverage did not apply to Mr. Gohagan because the injury did not arise out of Campbell’s ownership, maintenance, or use of certain business premises in Waynesville, Missouri, as the BOP policy required. Cincinnati also argued that, even if the BOP policy were applicable, the BOP and CGL policies’ anti-stacking provisions limited coverage to Here, the anti-stacking provisions the $1,000,000 already paid by viewed in their entirety are unambiguous. By focusing solely Cincinnati under the CGL policy. on “aggregate maximum limit of The court ignored the obvious insurance,” the Gohagans ignored lack of coverage under the BOP’s the stipulation that the aggregate location limitation and based its maximum limit “shall not exceed summary-judgment found that the highest applicable limit of the language of the BOP and CGL insurance under any one policy.” policies prohibited the stacking of coverage when both policies covered the same injury. The policies thus limited the maximum coverage for any one occurrence to the each-occurrence limit of $1,000,000. Because the Gohagans already received $1,000,000 from www.underwritersinsider.com

individual policy is equivalent to the each-occurrence limit. Thus, the aggregate maximum limit of insurance under both policies combined may not exceed the each-occurrence limit under either policy—in this case, $1,000,000. Reading the anti-stacking provisions as a whole the Gohagans received the full amount of coverage owed to them under the BOP and CGL policies when Cincinnati paid them $1,000,000 pursuant to the CGL policy.

The Gohagans’ last gasp interpretation – reading the “other insurance clause” standing alone – mistakenly relies on reading an individual provision in isolation from the rest of the policy, an approach that would leave the anti-stacking provisions meaningless. The district court correctly determined that the “Other Insurance” provisions apply when policies covering the same injury are issued by Cincinnati and another insurance company, not when two policies are issued by Cincinnati. Instead, the “Two or More Policies Issued by Us” provisions apply when In this case, the tree-falling policies covering the same injury incident that resulted in Mr. are issued by Cincinnati alone. Gohagan’s injury represents the “occurrence” from which The Gohagans’ interpretation the court’s interpretation of would render the “Two or More the policies flows. Both policies Policies Issued by Us” provisions have an each-occurrence limit of meaningless, an outcome courts $1,000,000. For the occurrence at issue, then, the“highest applicable See ZALMA Pg 39 limit of insurance” under either Table of Contents

February 2016

WHEN OBAMACARE PERSONALLY HITS HOME

OP/ED BY SPENCER A. LEHMANN, RHU

have been writing about the political machinations involved in the corrupt development of this poorly designed and implemented law ever since Barack Obama and his Team ObamaCare began the process of creating this politically motivated law, but now the true harm of this law has hit home in the most personal of ways. My 44-year-old son and 47-yearold daughter have now become victims of this corrupt law that was supposed to help those who need it most. More on them in a minute. A close friend of mine has a 21-year-old daughter and 24-year-old son both of whom are facing the same problems and have been for years. They were declined coverage because they made too much money and

were kicked over to Medicaid. However, as the ObamaCare Internet structure has never truly worked properly they had to wait over a year to even be covered at all. Frustrated by the hurdles Mr. Obama placed in his secretly crafted law (“We have to pass it before we can know what is in it!” ~ Nancy Pelosi, then Speaker of the House), they dropped any attempt to be covered.

In the case of my children, my son is making the salary of Line Chef in a restaurant. His employer is not offering any health insurance benefits. He can barely afford his rent let alone insurance. ObamaCare? Even on the lowest cost Bronze plan he is still faced with high deductibles and premiums and he makes too much to qualify for subsidies. How can he possibly afford to access the health care he may While Obama pushed the need? Answer, he cannot. concept that the youth of America would be the backbone My daughter has been covered of the law that assumes that under a group plan her employer the youth of America have the has been carrying for his office insurance intelligence of those 20 until he decided that ObamaCare or 30 years older. The so called is simply far too expensive Navigators that Obama assigned to offer so he is now giving to help the public have no more his employees the amount of ability to help advise on coverage money he was spending for their than a clerk in a Driver’s License insurance premiums in income. office has to advise someone on Unfortunately, my daughter, 47, how to drive. called me right after finding out

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.

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the percentage that refuses new practice, it often works differently. private insurance patients. Obamacare is leaving the middle class behind. CLASSIFIEDS! Such “insurance” from Obamacare not only fails to provide access Not the living-in-suburbia, to doctors, but research in the d r i v i n g - a n - S U V - t o - s o c c e r HELP WANTED — POSITION top medical journals such as practice middle-class dream WANTED 4 — SALE ITEMS cancer, American Journal of (although it affects people living Cardiology, Journal of Heart that dream negatively, too), and Lung Transplantation and but the new middle class of CLICK HERE! Annals of Surgery, show that Medicaid beneficiaries suffer See ObamaCare- Page 40 worse outcomes than similar that the lowest cost Obama’sCare patients with private insurance Individual plan would cost her ... all at an added cost of another $6,600 out off pocket just for the $800 billion by CBO estimates to deductible, forget the cost of the taxpayers after the decade. insurance.

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How is it possible for all of the Obama fans (fanatics?) to consistently advocate for Obama and his Care given the facts that have proven over and over that for the few million who have been helped by this law, vast millions more, 50-100 million Americans have been harmed? It can only be one of two possibilities: Either they know that this trainwreck is precisely that, or they are living in a world of self-delusion. From CNN, March 4, 2015: “The harsh reality awaiting these low-income Americans is undeniable: according to 2013 data from a 2014 Merritt Hawkins study, 55% of doctors already refuse new Medicaid patients. According to the HSC Health Tracking Physician Survey, 2008, the percentage of doctors that refuse new Medicaid patients dwarf by about 8 to 10 times www.underwritersinsider.com

It is not hyperbole to call Medicaid a disgrace at its annual cost of about $450 billion, and expanding it rather than helping poor people buy private insurance is simply inexplicable.” [HERE]

And from In These Times: “How Obamacare Is Actually Preventing Americans From Escaping Poverty, Obamacare was intended to alleviate the health cost burdens for the working and middle class. But in

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February 2016

FLORIDA INSURANCE AGENT ARRESTED AFTER DEFRAUDING CLIENT OF MORE THAN $200,000 IN ANNUITY PAYMENTS

RADENTON, Fla.— The Florida Division of Insurance Fraud (DIF), which operates under the direction of CFO Jeff Atwater, today announced the arrest of Timothy T. Rush, a 38-yearold Bradenton-based insurance agent, for allegedly stealing $224,600 from an unsuspecting Port Charlotte resident; funds that were believed to have been used to purchase an insurance annuity. In the early 2015, the Manatee County Sheriff’s Office received a complaint involving Timothy T. Rush after one of his clients suspected that the money he had been paid was not being used for the insurance annuities that Rush and his client had agreed upon. Following that initial complaint, DIF and Florida’s Division of Agents and Agency Services launched an independent investigation into the practices of Timothy Rush.

been appointed to sell Bankers Life annuities. In February of 2012, Timothy Rush worked with a Port Charlotte resident to secure a Medicare insurance supplement.

Timothy Rush was arrested and booked into the Manatee County Jail on December 30, 2015, with a bond of $100,000 and was charged with one count of an organized scheme to defraud, a felony of the first degree. This case will be prosecuted by the Office of Manatee State Attorney Ed Brodsky and if convicted, Rush will face up to 30 years in prison. The Manatee County Sheriff’s Office also arrested Timothy Rush as a result of their investigation Florida CFO Jeff Atwater into the initial complaint received In addition to the Medicare in the early months of 2015. For supplement, the Port Charlotte more information regarding this client agreed make payments on separate arrest, please contact a Bankers Life annuity that Rush the Manatee County Sheriff’s Office. sold to her.

The investigation went on to show that Timothy Rush opened a fictitious corporation through Florida’s Division of Corporations DIF’s investigation revealed that that was used to open a separate Timothy Rush was a licensed bank account where he illegally insurance agent in Florida and had deposited the annuity payments 14

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from the Port Charlotte resident. Four checks totaling $224,600 worth of insurance annuity payments were illegally diverted into Rush’s newly created bank account. While Rush processed the initial paperwork to established the annuity, all of the payments were kept for Rush’s personal benefit.

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February 2016

VALLEY AND BUTTE FIRES CAUSE AN ESTIMATED $1 BILLION IN INSURANCE LOSSES IN CALIFORNIA

ACRAMENTO, Calif. â&#x20AC;&#x201D; Two of the most destructive fires in California's history, the Valley and Butte Fires, ravaged nearly 150,000 acres in Northern California last fall and caused an estimated $1 billion in insurance losses. The Valley fire pillaged 1,958 structures in Lake, Napa and Sonoma counties, resulting in approximately $700 million in insured losses and making it the third most damaging wildfire in state history based on total structures burned. In terms of structures lost, the Butte Fire is the seventh most destructive fire to hit California, damaging 818 structures in Amador and C a l a v e r a s counties and causing an estimated $300 million in insured losses. "The Valley and Butte fires were sober reminders

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other items. However, the $1 billion claim total does not include all surplus insurance line claims or damages to public infrastructure such as roads and utilities.

of the dangers residents can face in rural areas of the state," said Insurance Commissioner Dave Jones. "A year-round fire season is California's new reality. Residents and communities, especially those in high-risk fire areas, must take precautions now before the next devastating w i l d f i r e strikes."

To date, insurers report they have received 5,600 claims, have paid out more than $500 million overall, and expect to pay an additional $500 million in anticipated future losses after all claims are received, processed and paid. Insurers are confident that all or most claims resulting from these fires have been reported, but should new claims be filed, these loss estimates may also increase.

I n s u r e r s impacted by the Butte and Valley fires are processing claims for residential and commercial structures, cars, personal property, farms and

Losses from these fires are not expected to impact insurance industry solvency in California. The department continues to monitor wildfire claims handling to ensure the claims are paid in a timely manner so homeowners, businesses and communities can rebuild and recover as quickly as possible.

California Insurance Commissioner

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February 2016

EUROPE INVITING IN RAPE CULTURE?

In a disturbing story, writer Katie Pavlich reported on “What A Real Rape Culture” looks like:

officials, who are supposed to be civilized and hold themselves to a high moral standard. They’ve not only ignored these repeated crimes, they’ve become complicit for the sake of promoting a political narrative that refugees don’t pose a threat to European culture. These men come from countries where rape is acceptable, Sharia law reigns and women have no rights. This reality is ignored at a very high cost.”

“Cover-ups of serious crimes committed by Muslim men have become a standard pattern of behavior from Western public

“As President Obama continues to promise asylum for tens of thousands of unvetted refugees from countries where women

s more and more North African Muslim refugees pour into Europe - often by invitation as in the case of Angela Merkel’s Germany, the incidence of reported rape and sexual abuse among women is rising fast. In Germany, on New Year’s Eve alone, 516 incidents were reported.

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are treated as property, we must ask the question: Where are the rape culture warriors? Where are the ultra feminists crying out against these atrocities and against the “refugees” who are committing them? Where are the women who have expressed disdain for the so-called “rape culture” in America and why do they refuse to take a stand against the importing of real rape culture to our country? The time to take a stand against true rape culture is now, even if it means being accused of intolerance.“

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M.I.T. CLAIMS IT HAS DESIGNED A NEW COMMERCIALLY VIABLE FUSION REACTER THAT COULD PRODUCE LIMITLESS AMOUNTS OF ENERGY WITHIN FIVE YEARS

ambridge, MA - Fusion power could be here in less than a decade: M.I.T. reveals a small reactor it claims could create limitless amounts of energy The ARC planned reactor will be tokamak - or donut-shaped – system It could generate the same amount of energy as much larger designs It will used superconductors made of rare-earth barium copper oxide The stronger magnetic fields generated are able to better contain plasma, allowing the reactor to be smaller, cheaper and quicker to build. The scientists at M.I.T. have found that the magnetic coils used to

contain the nuclear plasma have always been a bottleneck to producing a viable fusion reactor. Since the “achievable fusion power increases according to the fourth power of the increase in the magnetic field, doubling the field would produce a 16-fold increase in the fusion power.” A working fusion reactor that produces more power than it takes to run the reactor has long been the pot at the end of the rainbow for physicists. The ARC reactor shown below (Click on the image to watch the video) is projected to produce 5-6 times more power than it takes to power the reactor.

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UNLICENSED SOUTH FLORIDA CLINIC OWNERS USE STRAW OWNER TO DEFRAUD INSURANCE COMPANIES OF MORE THAN $650,000

IAMI, Fla. - The Florida Department of Financial Services’ Division of Insurance Fraud (DIF) today announced the arrest of two unlicensed clinic owners from MiamiDade County. Noel Ruiz of Miami and Alberto B Franco of Hialeah were involved in a “straw owner” scheme that defrauded numerous insurance companies, resulting in more than $650,000 in financial losses. An investigation led by DIF revealed that in the time between December 2012

through legal documentation, the actual owner of the business is essentially left off of the books. In some cases, this scenario would occur as a legal way to keep the identity of the actual owner of the entity hidden. In other cases, a “straw owner” would act as a pawn to establish a business in order for unlicensed agents to conduct nefarious or illegal transactions under a legitimate license. DIF’s investigation revealed that Noel Ruiz was the actual owner of Rehab and Wellness Inc., a physical therapy clinic

A “straw owner” is a person who owns a business or property on someone else’s behalf. and September 2014, Alberto Franco and Noel Ruiz both failed to carry the proper licensing required to own a rehab clinic and allegedly used a “straw owner” to bypass Florida’s licensing requirements. A “straw owner” is a person who owns a business or property on someone else’s behalf. By portraying legal ownership of the property or business www.underwritersinsider.com

in Miami. Alberto Franco was the actual owner of Magic Hands Rehabilitation Center Inc., another physical therapy clinic in Miami. Unbeknownst to their straw owners, Ruiz submitted dozens of claim files to insurance companies for fictitious rehabilitative services totaling over $361,880 and Torres also submitted dozens of claim files to insurance companies for illegitimate Table of Contents

rehabilitative services totaling $297,677. Both Ruiz and Franco were arrested on January 14, 2016, and booked into Turner Guilford Knight Correctional Center on charges of operating an unlicensed clinic, insurance fraud, grand theft, and an organized scheme to defraud.

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Breaking News USG Announces New Hires

Lines Agents License in 2012 and is working toward achieving the status of Registered Professional Liability Underwriter. In his role at USG, Cintron will be developing his commercial lines book of business with agents in Florida and surrounding states.

SG Insurance Services, Inc., a national wholesaler and MGA, announced the hire of Alex Cintron as a Producer/ Broker based in Maitland, FL; Ellen Ostler as a Producer/ Broker based in Houston, GM Ignition TX; and Robert Remeika as Switch Trail Opens a Producer/Broker based in Irvine, CA. Cintron brings over eight years M’s legal exposure in it’s of professional liability flawed ignition switch experience to USG. Prior to negligence trial grew as joining USG, Cintron worked plaintiff’s lawyers claim that as a Professional Liability Associate Broker at SCU Insurance Services, Inc. in Altamonte Springs, FL. While there, he maintained proactive sales relationships and incrementally grew their book of business to reflect strategic business plan requirements. Cintron received his Florida General

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there was a clear “coverup and fraud” after the defect was discovered and that the company rejected a cheap fix that would have saved lives if implemented. The charge in the Scheuer vs GM trial opens the door to possible massive punitive damages against the auto maker that could easily be many mulitiples of compensatory damages if the jury so decides. On the ignition switch issue, GM has already paid out more than $2 billion to resolve investigations and suits and faces 16 additional U.S. trials in 2016. Reports indicate the defective switch could jump into the “accessory position” while the vehicle was being driven where the engine

February 2016

along with power steering, wants to decrease the legal power brakes and air bags all driving limit to one drink or a blood-alcohol content to became inoperable. .05 “or even lower.” Not happy with just ruining your night Ace & Chubb out, Big Brother has also Conclude Merger recommended “prohibiting all cell phone use, including he FTC has given hands-free, because a driver’s regulatory approval and mind must be on the driving, the merger between ACE just as their hands must be Ltd. & Chubb concluded on the wheel.” Using the the merger on January 14, same logic, watch for the 2016 - 6 months after the Feds to soon ban your radio, announcement was made. your GPS, your crying kids, Together, the combined billboards, store signs and company boasted a conversations with your shareholder value of almost passengers while onboard $46 billion along with sensors will immediately another $150 billion in cash, notify law enforcement of investments and other assets. infractions. The group has assured it’s agency force it will maintain Obama Releases 10 the independent agency Gitmo Detainees To culture and distribution Oman network and contingency commission system of the old Chubb. Even Greenberg will n an almost secret move, be chairman and CEO of the the Obama administration merged companies. quietly transferred 10 detainees from Gitmo to the Feds Want To Reduce country of Oman in what Sen. Kelly Ayotte, (R-NH) described DUI To 1 Drink as a “thinly veiled attempt to undercut the will of Congress ever satisfied with their and would further endanger micro-management of the American people.” 116 your life and what should released Gitmo detainees be state issues, the Federal have reportedly returned to NTSB has announced it

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the battlefield - which raises the common sense question of - why release prisoners to the enemy in the midst of the war?

Commercial Debt Late Often

ortera Analyzes Commercial Late Payment Data National Average for Commercial Payments Is 22.80% Late Compared to Agreed Upon Terms. Cortera, Inc., the foremost provider of business-to-business analytics and cloud-based risk management solutions has released information on rate of delinquency for business accounts receivable (A/R) by state. According to nationwide data, businesses are consistently paying their bills late. Analyzing data submitted by businesses, the average business is paying their bills 22.80% later than agreed upon terms. Additionally, Cortera’s Accounts Receivable Debt Past Due by State data shows that twelve states are 25% or more late compared to the agreed upon terms. The five slowest paying states are: California, Connecticut, Delaware, Louisiana and February 2016

SPACEX LAUNCHES SATELLITE INTO ORBIT BUT CAN’T QUITE STICK THE BARGE LANDING

UNBELIEVABLE VINTAGE ADS

othing illustrates the changes in our national culture better than vintage ocean destroying themselves in ads from the Mad Men era - many n January 17, Elon the process and adding millions of which would be considered Musk’s SpaceX Falcon 9 successfully delivered of dollars to the cost of a launch. over-the-top sexist and politically incorrect today. its satellite cargo into orbit but, Falcon 9’s ability to land its first unfortunately, was unable to land its first stage onto an ocean barge stage in a controlled manner heralds in a new era in affordable intact as intended. space launches when the tech is Until now, the giant first stages of perfected. As the dramatic video rockets capable of launching men below shows, the process is not or equipment into orbit simply quite ready for prime time - but it Ah yes, men in the 60’s knew how to fell back to the Earth or into the will be soon we predict. keep their women in line!

Seems almost unthinkable in today’s world for a company to launch a national ad campaign suggesting you should beat your wife if your coffee is stale. Just sayin’....

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“The Final Authority on Everything!” Got Gitmo?

hat’s with the closing of our POW camp in Guantanamo Bay, Cuba? (GITMO). Seems like a good place to keep the bad guys. Please clear up my confusion! J.R. New York, NY President Obama’s fascination with closing GITMO, an ultrasecure prisoner-of-war facility maintained on our naval base in Cuba is bewildering to say the least. Those who are more concerned with the rights and comfort of the radical Islamist prisoners rather than the safety of the American people tend to focus on habeas corpus issues and human rights allegations at the facility. The president has held the laughable opinion that GITMO is one of the terrorist’s main recruiting tools - as if to say America has lost her moral authority along with the respect and admiration of the terrorists by maintaining a camp for captured prisoners that many have called a “resort.”

ADVISOR

sex-slave ring of captured girls as young as 10, is beheading prisoners and Christians by the thousands and have taken great delight in burning other prisoners alive. And we are to believe they are recruiting new combatants because, what, the prisoners are not receiving the soccer channel on their cable TVs at GITMO? Crazy... Further, it has been confirmed that 116 GITMO detainees released by the Obama administration have been returned to terror or to insurgencies, according to the Director of National

Intelligence. We can assume that a significant percentage of future GITMO “transferred” detainees will also rejoin the battlefield where more innocent lives will be snuffed out to maintain President Obama’s naive campaign promise. Odd that Obama would prefer to release these savages - or transfer them to a U.S. Federal prison (where they can radicalize impressionable, incarcerated Americans) rather than simply hold them at GITMO - the perfect detention facility where they can do no harm.

This position is rather absurd considering ISIS is running a www.underwritersinsider.com

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February 2016

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All Lines Agency established 2006 seeks working partner - to replace retired partner - Florida 220 and investment a must. Please inquire admin@naioia.com 15-12

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Seeking 220 & 440 Insurance Agents in Florida & Georgia! Well established We Insure agencies are experiencing growth and are looking for experienced 220 and 440 insurance agents statewide in both Florida AND Georgia. Active 220 or 440 license required and preferably 2 to 5 years experience in Personal Lines and/or Commercial Sales. Please send your résumé to: Megan.null@weinsuregroup.com

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Legal Secretary/Paralegal In-House legal secretary/ paralegal for rapidly expanding insurance company legal department.Responsibilities include assisting General Counsel with Corporate Compliance, Licensing, document and contract preparation, interface with other departments and provide support for all other corporate legal affairs. At least 5 years’ experience with corporate or insurance transactional work preferred. hr@sunzinsurance.com 15-12 www.underwritersinsider.com

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February 2016

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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

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Experienced Registered Customer Service Representative 4-40 Wanted Bilingual English / Spanish with experience , to work in Lake Worth, Palm Beach, excellent workings conditions requested. Angel 561-755-2586

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Looking for bilingual CSR in Tampa Tampa Insurance Agency is looking for a bilingual Licensed CSR. Knowledge of Quick Quote and Webrater is a plus. Salary, bonus, sick time, vacation days, and health insurance. 813-9721947 or email dan@colucciinsurance.com 16-1

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Full time opportunity to join my Personal Lines Agency with an excellent potential for good income.Must have 220 Insurance license - Experience with personal lines preferred, however, willing to train bright beginner -Strong computer skills -Self-starter with Initiative-independent workerContact Noreen at 561-4304021 or email resume to Noreen.langleben@weinsuregroup.com 16-1 30

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Experienced License Agent (220) wanted Experienced License Agent (220) wanted to work in agency located in Medley, FL. Commissions only paid. Please fax resume to 270-1417. meibg9@bellsouth.net

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February 2016

FEEL THE BERN? IT’S ABOUT SINGLEPAYOR HEALTH CARE AND BIG PROMISES

ernie Sanders, selfproclaimed “Democratic Socialist” and presidential candidate, is making big promises regarding health-care. Sander’s concept involves a fully federally administered single-payer health care program.

insurance company over unpaid charges - you’ll be fighting with a government bureaucrat instead. In the same vein as Obama’s promise that Obamacare will reduce premiums $2,500 per family, Bernie is promising even more, $5,000 per family savings per year. Of course Obama’s promises were worthless - and premiums, deductibles and co-pays have been climbing like an F-15 in full afterburner ever since.

Socialist Candidate Sen. Bernie Sanders (D-VT)

As governor in 2006, Arnold Schwarzenegger vetoed a single-payer initiative in California saying,

“Socialized medicine is not the solution to our state’s health care problems. This bill would require an extraordinary redirection of public and private funding by creating a vast new bureaucracy to take over health insurance and medical care for Californians Bernie either doesn’t realize or is – a serious and expensive intentionally hiding the fact that mistake. Such a program would Medicare has both deductibles cost the state billions and lead and co-pays - unless you to significant new taxes on and businesses, purchase a supplement that can individuals without solving the critical issue cost hundreds per month. And you won’t be fighting with an of affordability.” “As a patient, all you need to do is go to the doctor and show your insurance card - no more copays, no more deductibles and no more fighting with insurance companies when they fail to pay. It’s Medicare for all!”

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

February 2016

SAY WHAT? Notable Quotes You May Have Missed!

Whiskey-Tango-Foxtrot Quote Of The Month

to the teachings of the Koran,” as motive for the attack. This is an example of the extreme disconnect - PC taken to the ridiculous - that is going to result in many more innocent victims of radical Islam. What is it about liberals that cause them to leap to the defense of Islam every time mayhem is committed in the name of Islam? The mayor should resign immediately and seek treatment from a mental health facility.

“

In no way shape or form does anyone in this room believe that Islam or the teaching of Islam has anything to do with [the shooting of a Philadelphia police officer). That is abhorrent, it’s terrible and it does not represent the religion in anyway shape or form or any of it’s Democrat Jim Kenney teachings. This is Mayor of Philadelphia Living In An Altered Universe a criminal with a stolen gun who tried to kill one of our officers and it has nothing to do with being a Muslim or following the Muslim faith.” The mayor of Philadelphia, Jim Kenney immediately following an attempted assassination of one of the city’s police officers by an avowed Muslim declaring he was acting “in the name of Islam;” who said he “pledges allegiance to Islamic State and that he follows Allah” and was dressed in Muslim garb - yet in the mayor’s altered reality, the shooting had NOTHING to do with Islam! According to the police commissioner, Richard Ross, the attacker claimed “police bend laws that are contrary

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Rapist Refugees Just Need To Be Effectively Integrated...

“

The real question we should be asking is not whether there is something inherently wrong withtherefugees,butwhetherGermany is doing an effective job of integrating them — and if not, whether something can be done to change that.” Smug New York Times contributing OP/ED writer Anna Sauerbrey actually making the case that the German government is to be blamed for 516 sexual attacks that took place against women on New Year’s Eve by coordinated groups of mostly North Anna Sauerbrey African refugee Muslim NYT OP/ED Writer men. While liberals can generally be counted on to condemn any man accused of rape, even way before any of the facts are in, in this case sympathy for Muslim refugees apparently trumps any concern for the rape/abuse victims. Apparently, Ms. Sauerbrey feels that the rapists were actually victims of the German government’s imperfect job of “integration.” Oh the twists & turns of the liberal mind!

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February 2016

“Sharia Annihilates A Civilization”

reconciled with our concepts of human rights and our Constitution and the great majority, 96%, of all Islamic doctrine about women subjugates them.” Now if you think that’s a Whenever there is Islamic violence the great system and we should be encouraging media uses the word “terror” not jihad. The more Muslim immigration - you must be a problem is that the Progressive... jihad of murder is only one of the four Tepid Response To SOTU jihads and it is the least of jihads. The If the GOP establishment wants jihad of murder to know why Trump is drawing will kill people, but Dr. Bill Warner enthusiastic crowds everywhere he goes the jihad of money, Watch The Video and Jeb Bush can’t fill a coffee shop, speech and writing brings us closer to Sharia. Sharia annihilates a they need look no further than the official civilization. Civilizational jihad is found in the response they offered to Obama’s speech.” content of our new textbooks which praise Islam as the greatest of civilizations. These Bryon Fischer, columnist for OneNewsNew.com new textbooks are filled with half truths, commenting on South Carolina Governor Nikki which cannot be challenged. The jihad of Haley’s pathetic, weak Republican response textbooks will destroy the thinking of a to President Obama’s State of the Union generation. The jihad of money has invaded address in January. And he is correct. Haley’s our universities which reject critical thought response was a big-time disappointment to about Islam in exchange for donations from conservatives and reminiscent of Romney’s the Saudis. The Islamisation of universities is failed campaign in 2012. far worse than murder. Another jihad that is The GOP establishment just killing us is found in religious dialogues. The doesn’t get it. Haley directed idea sounds wonderful, but the ignorant more vitriol against Donald Jews and Christians just smile and nod Trump then she did Obama’s their heads as they agree that Islam is so self-praising SOTU, where wonderful. Debate is absent by consent. And he congratulated himself another nail is driven into the coffin of our for every failure of his term civilization. The jihad of murder is the very in office. Haley: “[There’s a Gov. Nikki Haley least of our problems.” tendency to falsely equate noise with results. Some people think that you Dr. Bill Warner, author, professor, Islamic have to be the loudest voice in the room to expert making the case that Islam is far make a difference. That is just not true. Often, more of a political system than a religion. He the best thing we can do is turn down the states empirically that “There is no unmitigated volume. When the sound is quieter, you can good in Islam for the Kafir (non-Muslim), Islam’s actually hear what someone else is saying. And ethical system is dualistic and is not based on that can make a world of difference.” Hey Nikki the Golden Rule, Islamic doctrine cannot be - the only unwanted noise in the room is you.

“

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Continued From Page 9

KIM KOMANDO

drive by and extract the collected numbers and PINs wirelessly.

Another type of skimmer is thin enough that it fits right inside the ATM or gas pump’s card reader slot. There’s no external sign it’s installed on the ATM, or even on there, but it’s busy swiping your the wall above it. Hackers have info. This is what it looks like. hidden cameras in fake outlets, lights and other things that Unscrupulous employees of a wouldn’t immediately catch your restaurant or store might have attention. handheld skimmers that you’ll never see. Or they might put For these types of skimmers, out POS terminals that are really it’s actually fairly easy to defeat skimmers in disguise; and they’ll them. Simply cover your hand even print out a receipt. when you’re typing in your PIN and the crooks won’t have all the Not many crooks have these information they need to clone advanced skimmers yet, but your card. Watch this video to they’ll get less expensive and see how effective this simple more widespread in a few years. precaution is. Fortunately, banks and retailers are switching over to EMV cards Advanced skimmers that have a chip instead of a magnetic stripe. Learn how these Unfortunately for us, hackers cards keep you safe, and why they quickly spotted the weaknesses still aren’t as safe as they could be. of skimmers and have come up with options that are more Mobile payment options are also difficult to detect. Some are becoming more popular and actually impossible for you to don’t have the security flaws of catch. traditional cards. Not sure how mobile payment works? Here’s A good example comes from how to pay on the go using your Brazil. It’s an overlay skimmer, Android or Apple smartphone. but instead of overlaying the card reader, the entire front of the In the meantime, you should try ATM is fake. See the unbelievable avoiding swiping your card in video. the places most likely to have skimmers. Here are the three The gas station thieves I told you most risky places to swipe your about earlier hid their skimmers debit card. inside the pumps. The skimmers were even equipped with You should also set up text alerts Bluetooth so the thieves could on your cards so you know when 38

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you or anyone else swipes them. You can tell right away if hackers have stolen your information. Learn more about text alerts. 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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ZALMA seek to avoid when interpreting contracts. The Gohagans’ attempts to create ambiguity where none exists failed. For the reasons set forth above, the district court did not err in finding that the BOP and CGL policies prohibit stacking where both policies cover the same injury, such that the maximum coverage for Mr. Gohagan’s injury is $1,000,000.

ZALMA OPINION Insurance companies have the right to negotiate whatever terms and conditions they can obtain agreement from someone to acquire. When Cincinnati issued two different policies to its insured it did not want its liability exposure to exceed $1 million and included antistacking language to prevent paying more than the single limit. If the insured wished to avoid the anti-stacking language the insured only needed to buy one of the two policies from a different insurance company. The Gohagans’ should have obtained a judgment and executed against the assets of the tortfeasor.

insurance in three to four “Random Thoughts on minute increments at http:// Insurance – Volume III,” a www.zalma.com/videoblog . collection of posts on this blog; “Zalma on California Look to National Underwriter SIU Regulations;” “Zalma on Company for the new Zalma California Claims Regulations Insurance Claims Library, [HERE] – 2013″ explains in detail the The new books are Insurance reasons for the Regulations and Law, Mold Claims Coverage how they are to be enforced; Guide, Construction Defects “Rescission of Insurance in Coverage Guide and Insurance California – 2013;” “Zalma on Claims: A Comprehensive Guide Diminution in Value Damages – 2013; “Zalma on Insurance,” The American Bar Association, “Heads I Win, Tails You Lose,” Tort & Insurance Practice “Arson for Profit” and others Section has published Mr. that are available [HERE]. Zalma’s book “The Insurance Fraud Deskbook” available at Mr. Zalma’s reports on World [HERE], or 800-285-2221 which Risk and Insurance News’ web is presently available and based television programing, “Diminution of Value Damages” http://wrin.tv or at the bottom available at [HERE]. of the home page of his website [HERE] on Tumbler [HERE] and Mr. Zalma’s new e-books Twitter at Follow me on Twitter “Getting the Whole Truth,” [HERE] .

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premiums and deductibles can skyrocket into the tens of thousands—meaning if they make use of this plan, they may well end up worse off financially America—the ones struggling than they were when considered to pull themselves out of the impoverished.” hole after the economic crash. The middle class that is so close It should be clear to even the to poverty that one wrong move most diehard loyal supporters will land them there, but just of Obama and his Care that far enough away from hopeless ObamaCare, aka the PPACA, aka debt that the states and the the ACA, aka the UnACA, that this federal government figure they supposed wonderful attempt can fend for themselves. Which at Health Care Reform has been many of them probably could anything but successful. On have, before the Affordable Care the contrary, it has been a Act. major massive failure, helping only a few while harming the This is not because Obamacare vast majority of those it was is a bad idea. It’s because it is supposed to help. not being allowed to function correctly in its attempt to extend Obama’sCare is a textbook affordable health care coverage example of what happens when to more Americans. those like Barack Obama, Hillary Clinton, who tried to pass into law Do a quick internet search for her own brand of Obama’sCare the ACA and you’ll happen known as HillaryCare in the early across dozens of articles decked 90s and harmed hundreds of out in hyped-up jargon talking thousands of Washingtonians about Supreme Court Cases, who lost all access to Health appeal efforts in the legislature, Care insurance, are allowed to convoluted battles between let their political egos and desire state and federal initiatives and or power and a legacy run amok, rising premiums in statistical without any proper checks and language. What you don’t see balances. is what is happening to the people on the plans—and more It is imperative that the voting importantly, why the ACA is electorate remembers the marred by multiple impractical millions of Americans who have setbacks. been so egregiously harmed by this law when they cast their The crux of the problem is this: votes this November for the next As soon as an individual or family President of the United States of finally moves above the federal America. poverty line, their insurance

OBAMACARE

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