The Underwriter's Insider February 2017 by The Underwriter's Insider

IN THIS ISSUE FEBRUARY 2017 Vol 13 Issue 2

HIDDEN COSTS OF NEW CAR “INFOTAINMENT” SYSTEMS These days, a new car is basically a computer with wheels. Trunks open automatically. Rear cameras help you reverse out of parking spaces. Sealed your keys inside? Doors can be unlocked by satellite.

COMMERCIAL AGENTS & UNDERWRITERS: BEWARE THE ARC FLASH EXPOSURE! Unfortunately far too many commercial insurance agents and underwriters do not know about a serious issue that recently came into the forefront.

NEW JERSEY AND ALLSTATE FILE A JOINT LAWSUIT AGAINST INSURANCE FRAUD The alleged schemers are accused of a classic fraud involving runners.

FORMER GEORGIA INSURANCE AGENT ARRESTED FOR FRAUD Christopher Lowell Jackson, 39, of Athens, was arrested earlier this month on warrants for five counts of insurance fraud and three counts of forgery.

UNDISPUTED MATERIAL MISREPRESENTATION SUFFICIENT TO SUPPORT RESCISSION People who have no experience with insurance when faced with a potential savings of insurance premium if the insured does not present true facts to the insurer is exceedingly expensive and can surprise the insured to find he has no coverage at all.

‘PAY-FOR-POUNDS’ CONTESTS PROMPTING WORKPLACE WEIGHT LOSS Four Key Marketing Strategies Helping Business Groups of all Sizes ‘Diet for Dollars’ to Boost Bottom Lines as Innovative Workplace Wellness Approach.

Obesity Protective of Dementia? Researches came across surprising results as they related body weight to the risk of dementia.

Lloyd’s Bank Survives 3 Days of DoS Attack Lloyd’s Bank was almost continuously hit with cyber attacks over a 3 day period in an attempt to shut down it’s website.

BRUCE SPRINGSTEEN WARNS US ABOUT UNAMERICAN BIGOTRY AND INTOLERANCE When Bruce Springsteen uttered the quote below shortly after Donald Trump won the election, he was mirroring the sentiments of so many on the political left. Here’s the truth...

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ISLAMISTS HAVE BEGUN NEW COLONIZATION OF U.S. The Obama Administration’s earlier objective of admitting 110,000 refugees into America for the current fiscal year will be exceeded if the current influx is maintained, as approximately 110,580 are now projected to enter the U.S.

NASA MAPS THOUSANDS OF POTENTIALLY HAZARDOUS ASTEROIDS

Austria to Ban Face Veil Austria’s centrist coalition government has announced a series of policies that would ban face veils, including burkas and hijibs.

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THE INSIDER’S ADVISOR The hazards of Teflon and Pit Bull Insurance The Final Authority on Everything!

JUDGE DENIES ANOTHER STATE FARM ATTEMPT TO AVOID REDUCING RATES “State Farm’s ongoing effort to avoid complying with the order to reduce rates has to stop,” said Insurance Commissioner Dave Jones.“

POLICYHOLDERS RECOVER $7.6 MILLION AFTER TURNING TO THE LOUISIANA DEPARTMENT OF INSURANCE FOR HELP Insurance Commissioner Jim Donelon reports that insurance policyholders in Louisiana were able to collect an additional $7.6 million as a result of assistance provided by the Louisiana Department of Insurance (LDI).

Dr. Walter Williams points out clear difference between Liberal & Conservative behavior. Ask yourself whether you have ever seen Republicans or conservatives rioting, turning over police cars, looting, setting places of business on fire and shouting obscenities while marching?

FEATURES 5 6

Kim Komando Barry Zalma

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ECONOMIST MILTON FRIEDMAN The Myth That Government Has Benefited The Poor At The Expense of the Rich

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FEBRUARY 2017 INSURANCE • POLITICS • TECHNOLOGY • PEOPLE

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February 2017

TECHNOLOGY

HIDDEN COSTS OF NEW CAR “INFOTAINMENT” SYSTEMS

Really Cool Info - by Kim Komando

hese days, a new car is basically a computer with wheels. Trunks open automatically. Rear cameras help you reverse out of parking spaces. Sealed your keys inside? Doors can be unlocked by satellite. The flashiest new gadget: a touch-screen in the middle of your dashboard.

when you set up automatic payment. You may not realize how much you’re shelling out for car-based infotainment until you look over your credit card statement. How do you avoid getting caught unaware? Here are some preventative measures.

There’s a lot to love about these “infotainment” systems. Depending on the brand, you can organize your music, program the GPS, and dictate text messages. Console screens are as wide as small tablets and easy to read, even when you’re behind the wheel. But there’s a cost: Many of these services require a subscription, such as invehicle Wi-Fi hotspots, Sirius XM satellite radio and live traffic data. You may start with a free trial, grow accustomed to these conveniences and then find yourself paying fees later on.

GRILL THE AUTO DEALER

Buying a car is a stressful ordeal. These minor price tags can add Even when we pick our dreamup over time, and the final tally car, we tend to drive away from might surprise you, especially www.underwritersinsider.com

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the dealership exhausted. (Tip in a Tip: If you’re hunting for a new car, there’s an app that makes it easy. Click here to find your perfect car. ) The last thing you want to think about is whether the console uses Apple Maps or Google Maps. But this is a critical time, because the dealer may want you to subscribe to as many services as possible. Don’t let salespeople confuse you. There’s no reason to sign up for anything on the first day. All enrollments are voluntary, and these apps will be available whenever you want them. Infotainment systems are still new, and every car company has its own technology and services. Each system has distinct benefits and drawbacks: Volvo’s Sensus Connect has a touch screen you can use while wearing gloves. Ford’s Sync 3 uses a Blackberry-based system, and it’s a vast improvement on earlier versions. See Kim Komando Pg 44 February 2017

INSURANCE & THE LAW

UNDISPUTED MATERIAL MISREPRESENTATION SUFFICIENT TO SUPPORT RESCISSION Expert Analysis & Commentary by Barry Zalma, Esq., CFE Misrepresentation to Save Premium Eliminates Coverage

eople who have no experience with insurance when faced with a potential savings of insurance premium if the insured does not present true facts to the insurer is exceedingly expensive and can surprise the insured to find he has no coverage at all. In Great Lakes Insurance SE v. Charles Queen, Slip Copy, United States District Court, M.D. Georgia 2017 WL 343637 (01/23/2017) defendant Charles Queen was insured under a homeowners insurance policy issued by Plaintiff Great Lakes Insurance SE. One of Queen’s outbuildings was

destroyed in a fire, and Queen made a claim under the policy to recover for the damage to the contents of that building.

owns the property located at 1213 Old Monroe Madison Highway in Monroe, Georgia. His mother previously owned the property, which was divided into four tracts. When Queen’s Join Barry Zalma’s new Blog: mother died, Queen inherited http://www.zalma.com/blog tracts 3 and 4, and Queen and his sister jointly inherited tracts 1 and 2. Queen’s sister later deeded When Great Lakes investigated Queen her interest in tracts 1 the claim, it discovered that and 2; Queen now owns the Queen’s home was on an eight entire parcel located at 1213 Old acre parcel. Queen’s application Monroe Madison Highway. The for the insurance, which was parcel is approximately 8.2 acres. completed by his independent agent but signed by him, indicates After Queen became the owner a response of “no” to a question of the property he sought that specifically asked whether insurance coverage. He retained the property to be insured was Mike Sorrells, an independent on more than five acres. insurance agent with Alfa Agency, to procure homeowners FACTUAL BACKGROUND insurance. Queen told Sorrells The record revealed that Queen that he wanted to insure the

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. 6

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February 2017

dwelling and outbuilding on one of the tracts within the entire parcel. That particular tract was less than five acres. Queen was aware that if he sought coverage for the entirety of his property, he would have been required to pay an additional premium and procure a different type of insurance coverage.

uncontroverted evidence that Lakes discovered that the parcel if Queen had disclosed that the is greater than five acres. Based insured location was more than on that discovery, Great Lakes five acres, Southern Insurance concluded that Queen had made “could not have originally issued a material misrepresentation in the Policy or continued coverage his insurance application and under the Policy.” Instead, rescinded the policy. Great Lakes Southern Insurance “would have tendered to Queen a refund of all charged a different premium, the premiums he had paid for the offered different coverage, policy. or written coverage under a Sorrells completed an insurance different insurance carrier.” DISCUSSION application on behalf of Queen. Queen presented no evidence to To void Queen’s insurance policy, The application does not indicate contradict this assertion. Great Lakes must demonstrate that coverage is only sought both that [Queen] made for a certain tract false representations within the parcel. Rescission is an equitable and that the The application asks: misrepresentations remedy where the court “Is the property were material from determines it would not be fair the view of a prudent situated on more than five acres?” to allow an insurance policy to exist. As a insurer. Sorrells checked “no.” Queen signed the result of the rescission all premium paid Was There A application, stating is returned to the putative insured and Misrepresentation? that he had reviewed the policy is returned to the insurer or Construction of an the application and insurance contract declaring that the declared void from its inception.” (or application) is statements in the generally a question of application were true, to the best of his knowledge. Queen did not dispute that the law for the Court. If the terms are property identified by this address unambiguous, then the insurance Southern Insurance Underwriters, exceeds five acres. By so doing provision must be enforced as Inc. acts as managing general he admitted he misrepresented written. Ambiguity exists in an agent for Great Lakes and issues a material fact asked by the insurance policy when its terms are susceptible to different policies on behalf of Great Lakes application for insurance. reasonable interpretations. pursuant to certain underwriting guidelines. Southern Insurance During the coverage period, a relied on Queen’s application in shed on Queen’s property caught Here, the Court found that even deciding whether to issue Queen fire, and the contents of the shed though Queen may not have fully a policy and on what terms. were destroyed. Queen claims that understood the question in the Southern Insurance also relied the destroyed personal property application, it is not ambiguous. on the information provided in was worth $120,000. This shed Queen’s application in deciding is near Queen’s house, and the The application asks if “the whether to renew Queen’s policy. house and shed both sit on a tract property” is situated on more than that is less than five acres. While See ZALMA Pg 43 Great Lakes submitted investigating the claim, Great www.underwritersinsider.com

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February 2017

RISK FACTORS - GUEST CONTRIBUTOR MARTIN R. PERRONE, CTR

COMMERCIAL AGENTS & UNDERWRITERS: BEWARE THE ARC FLASH EXPOSURE! ARC Flash Safety - a Code of Federal Regulation

plants, sports stadiums, high-rise office buildings, manufacturing and medical facilities… most of them are not aware of OSHA’s General Duty Clause! (Section 5(a)(1) of the Occupational Safety

rofessional licensed easy. Especially when it comes insurance agents and to matters most people know company underwriters very little about, like electricity! understand that About the author: Martin “Marty” Perrone, knowledge is power. moved to Palm Beach County in 1979 from Especially when it Miami. Marty is a Sandler Sales Institute comes to matters graduate, a veteran sales trainer of “PSS,” of legal “liability!” Professional Selling Skills by Xerox, a graduate Unfortunately far too of Wilson Learning “Managing Interpersonal many commercial Relationships” and accomplished a 4.0 grade insurance agents and average for 4 years of “Industrial Inside underwriters do not Wiring” technical training. Marty was trained know about a serious as a “Certified TEGG Representative” for issue that recently came into the forefront. Carpenter Electric in West Palm Beach, FL in 2012 and as such he conducts Arc Flash Safety! Since Arc Flash Safety Training Programs for industrial and commercial property 2014 the subject has managers, healthcare facility maintenance staff, variety of Organizations been the topic of much and associations like; AHCA, OSHA, BOMA, FHEA, FLSHCA, IAEI as well as discussion with the Fire Marshals, Fire Inspectors and Fire Rescue Personnel. TEGG is an ABM NFPA, OSHA and Fire owned Franchise respected around the world for training electricians Marshals across the U. S. and representatives who provide their unique and proven method of Guaranteed Predictive/Proactive Electrical Inspections, Preventive Ask any Lawyer… Maintenance Solutions, the finest NFPA 70E Arc Flash Safety Training they’ll tell you, there is programs and comprehensive Arc Flash Risk Assessments. Contact Marty no excuse for ignorance at (561) 294-4886 or e mail him at martyp@carpenter-electric.com of the Law. But how can today’s commercial building and Health Act) which requires owners learn about all the How do I know this? As a Certified an employer to furnish to its new laws, codes and federal TEGG Representative and the employees: employment and a regulations constantly being Director of Electrical Safety & place of employment which are imposed upon them? Many rely Code Compliance for Carpenter free from all recognized hazards on a licensed insurance agent Electric in West Palm Beach, I’ve that are causing or are likely to to advise them while others been in over 350 buildings in the cause death or serious physical appoint a competent building past four years and I’ve seen it harm to its employees. manager to help them protect first-hand. their assets and limit their Then again, some simply choose liability, which is not always Condominiums, water treatment to ignore this administrative law

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RISK FACTORS - GUEST CONTRIBUTOR MARTIN R. PERRONE, CTR Then again, some simply choose to ignore this administrative law figuring it will never happen to them... and if it does they’ll deal with it then. Not a wise move! What does this recently finalized OSHA regulation mean to all “General Industry” building owners? It means; if you employ people to work in your building, it better be safe from all recognized hazards. Or if you hire an outside electrical contractor it’s the building owner’s responsibility to make sure the worker is fully trained in NFPA 70E codes. According to the National Fire Protection Association, NFPA 70E, “Standards for Electrical Safety in the Workplace” these are just some of the codes: 110.1, 110.2, 200.1 and 205.3 that spell it out pretty clearly. The building owner or the owners designated representative is responsible for training, testing and documenting the training of qualified electrical workers. What’s more, they must develop a mitigation strategy to reduce the risks of an Arc Flash explosion, make sure every measure has been taken to ensure “safety related work practices” are in place, see to it electrical equipment is properly maintained to manufacturer’s specifications and ensure there is no evidence of impending failure. www.underwritersinsider.com

So what is the best way to ensure every commercial building owners’ facility is in full compliance with the NFPA 70E & OHSA’s new “CFR” code of federal regulation 29 CFR 1910.269, which became law on July 10, 2014? First, purchase a copy of NFPA 70E and read it. Then locate a competent NFPA 70E trainer in your area and schedule a comprehensive Arc Flash Safety Training seminar.

Therefore, if you are a licensed commercial insurance agent or a company underwriter and you wish to be viewed in your market place as a knowledgeable professional… make sure you know the truth, get the facts and advise your clients wisely. Arc Flash safety is a real problem in America. Far too many building owners and managers are hiring people or using outside socalled electricians who are performing electrical tasks without the proper training and documentation.

Just Google motivational speaker and double amputee, Hector Picard who lost ¾ of his right arm and ½ of his left arm in an Arc Flash explosion several years ago in Miami Florida. You can find plenty of his videos on YouTube. Although his message “Don’t Stop Living” is quite Upon completion, every inspirational, his life altering attendees will understand what injuries were totally and is expected of them and learn completely avoidable! how to protect their assets; buildings, employees, customers and vendors. This knowledge Need an Arc Flash is especially important for inspection for a client or insurance underwriters, agents carrier you care about? and building owners… because Contact my friend Marty it will make sure everyone Perrone at (561) 294-4886 involved knows how to limit or email him at martyp@ their liability when it comes to carpenter-electric.com electricity. Editor Table of Contents

February 2017

NEWS

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Image Credit: Creative Commons

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February 2017

NEWS

NEW JERSEY AND ALLSTATE FILE A JOINT LAWSUIT AGAINST INSURANCE FRAUDSTERS

RENTON AND TOMS Office of the Insurance Fraud RIVER — New Jersey Prosecutor (OIFP) in May 2014 Department of Banking after being charged in a 45-count and Insurance Commissioner indictment for participating in Richard J. Badolato and an auto accident insurance fraud Allstate New Jersey Insurance scheme that began in 2009. Company (Allstate) and its subsidiary Encompass Insurance On July 7, 2015, Anhuar and (Encompass) in a lawsuit filed Karim Bandy both pleaded today accuse Anhuar Bandy of guilty to insurance fraud in the Colts Neck of masterminding a second degree in the criminal sophisticated, prosecution. The alleged schemers widespread Anhuar Bandy personal injury was also are accused of a mill involving reviously classic fraud involving pconvicted 78 defendants, in runners contacting Union County in including runners who recruited 2004 on charges persons involved in individuals of racketeering, involved in motor motor vehicle accidents c o n s p i r a c y , vehicle accidents and steering them to health care and then referred claims fraud and lawyers and doctors. those individuals theft. He received to lawyers and parole and left doctors in violation of the prison in 2008. New Jersey Insurance Fraud Prevention Act (IFPA). The new IFPA lawsuit also names Plainfield personal injury lawyer The complaint alleges that David Walker, Esq., of Rockaway Bandy and his brother, Karim and his paralegal Alexandra Bandy, unlawfully owned and/ Gallegos of Piscataway. Both or controlled chiropractic clinics Walker and Gallegos were in Camden, Hudson, Mercer, among those arrested in 2014. Middlesex, Morris, Ocean and The suit alleges that Walker and Union Counties. Bandy, his Gallegos paid kickbacks to Bandy brother Karim, and ten others in exchange for referring clients were arrested by the New Jersey to their firm. www.underwritersinsider.com

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Today’s lawsuit follows an investigation by the Department’s Bureau of Fraud Deterrence (the Bureau), Allstate and OIFP. On behalf of New Jersey consumers, the Department is seeking a substantial, yet undetermined IFPA-mandated fine amount and Allstate is seeking reimbursement for personal injury protection benefits that Allstate paid on behalf of its customers. In 2015, the Bureau fined fraudsters more than $4.2 million in fines, surcharges and restitutions for various IFPA violations. “This lawsuit is the latest in a series of actions taken by the Department, Allstate and other insurers to protect New Jersey customers who insure 5.5 million private passenger autos and are charged nearly $7 billion in written premiums,” said Commissioner Badolato. “These and similar alleged fraudulent activities increase the cost of insurance to consumers.” It is important to note that a lawsuit simply sets forth allegations of wrongdoing. Ultimately, the evidence will be presented in court where a determination will be made in the matter. February 2017

NEWS

FORMER GEORGIA INSURANCE AGENT ARRESTED FOR FRAUD

tlanta – Former insurance agent Christopher Lowell Jackson, 39, of Athens, was arrested earlier this month on warrants for five counts of insurance fraud and three counts of forgery. Georgia Department of Insurance Fraud investigators determined that Jackson filed bogus watercraft insurance claims and submitted forged documents for personal financial gain. “Insurance fraud ultimately hurts the Georgia consumer, who ends up paying higher premiums to cover losses,” Insurance Commissioner Ralph Hudgens said. “My office will continue to pursue all types of insurance fraud aggressively.” An investigation by Hudgens’ office revealed that on May 13, 2016, Jackson took out watercraft insurance policies on a 2000 Cobalt 210 boat with both GEICO and Allstate. Between May 15 and Aug. 7, the suspect filed a total of five boat towing claims on the same vessel with the companies touting engine failure off the coast Georgia. He was paid approximately $7,100 for three of the filed claims and withdrew attempts to collect on an additional two.

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Following a three-month investigation, fraud investigators concluded that all of the submitted towing invoices by Jackson were fraudulent. Also, with help from the United States Coast Guard and the Georgia Department of Natural Resources, investigators determined that Jackson was never in possession of the vessel and that the boat and actual owner were in Kentucky.

On Dec. 19, Jackson surrendered his license to sell insurance in the state of Georgia. He turned himself in at the Clarke County Sheriff’s Office on Jan. 4 and was released on a $8,000 bond. The case will be prosecuted by the Clarke County District Attorney’s Office. Insurance fraud is a felony with a penalty of two to 10 years.

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February 2017

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February 2017

ANALYSIS

‘PAY-FOR-POUNDS’ CONTESTS PROMPTING WORKPLACE WEIGHT LOSS By Merilee Kern, MBA

Four Key Marketing Strategies Helping Business Groups of all Sizes ‘Diet for Dollars’ to Boost Bottom Lines as Innovative Workplace Wellness Approach

hile the modernday workplace is rife with technology and other advancements that have made it more efficient, productive and profitable from a business standpoint, it seems much of that progress is having an adverse effect on the collective waistline— and well-being in general—of America’s workforce. According to Dr. Vince Kerr, director of Health Care

Management at Ford Motor Company, obesity in particular has a “devastating impact” on employees’ health and, in turn, creates a ripple effect on their employers’ bottom line. He further explained that companies experience a loss in excess of $12 billion per year due to lowered productivity, higher healthcare

As troubling, “diet scams are big business with sellers vying for their share of the more than $60 billion that Americans spend each year on weight loss products and programs,” according to one report. Such scams keep consumers stuck in the vicious cycle of gain/loss/gain while bilking their bank account and lowering their productivity Scams keep consumers in the workplace.

stuck in the vicious cycle of gain/loss/gain while bilking their bank account and lowering their productivity in the workplace.”

All too often even legitimate programs become a revolving door of weight back up and dollars out. Amid these truths, two visionary entrepreneurs,David Roddenberry and Jimmy rates, elevated health and Fleming, believed there was disability insurance premiums, a different way to motivate increased absenteeism and healthy, long-term weight other associated weight and loss—one that would actually obesity-related conditions. allow dieters to profit from their pound shedding success.

bout the author: Branding, business and entrepreneurship success pundit, Merilee Kern, MBA, is an influential media voice and lauded communications strategist. As the Executive Editor and Producer of “The Luxe List International News Syndicate,” she’s a revered brand and consumer product trends voice of authority who spotlights noteworthy marketplace change makers, movers and shakers. Merilee may be reached online at www.TheLuxeList.com. Follow her on Twitter here: http://twitter.com/LuxeListEditor and Facebook here: www.Facebook.com/TheLuxeList

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I connected with Roddenberry and Fleming who founded HealthyWage—a company that financially incentivizes people, both individuals and teams, to successfully lose weight by utilizing proven “carrot and stick” methodology. These men studied the reasons behind why people have trouble sticking to a diet regime, maintaining weight loss, as well as research-driven factors that can promote dieting success beyond the norm. This included academic research substantiating that even small cash rewards triple the effectiveness of weightwww.underwritersinsider.com

loss programs; that people are more effective at losing weight when their own money is at risk; and that social networks play a large role in the spread of obesity, and will likely play a large role in reversing obesity.

90 Fortune 500 and over 600 other companies, hospitals, health systems, insurers, school systems, municipal governments and other organizations throughout the U.S. and their program has been more informally run at As a result, they have pioneered more than 3,000 companies a profitable incentivized and organizations. health-based business with a unique marketing approach Fleming and Roddenberry designed to target health- attribute HealthyWage’s minded organizations success to four specific, willing to think outside-the- mission-critical factors that box to boost their bottom other businesses can similarly line. So successful is their employ to boost their own “pay for pounds” approach, revenue, which are: HealthyWage has formally created competitive, cashSee Pay For Pounds Pg 18 fueled programs for more than Table of Contents

February 2017

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ANALYSIS Continued From Pg 18

PAY FOR POUNDS 1. Harness Competitive Cultures

HealthyWage designs challenges that tap into a characteristic rampant in the American landscape: competitiveness Friendly competition enhances the success of wellness programs, motivating participants to improve upon their most stubborn unhealthy behaviors.

among participants on a team, among members of an office location or department, among employees within a company, and also between employers vis a vis “company v. company.” For example, in 2016 HealthyWage executed its “Third Annual Energy Industry Challenge,” where energy giants like Conoco Phillips, Schlumberger and many others locked horns in a weight loss contest that helped thousands of energy industry employees shed hundreds of thousands of pounds.

nine large school districts for the same purpose—to increase the health and well-being of staffers and benefit the business bottom lines in kind. 2. Gamify to Increase Program Participation

HealthyWage challenges go beyond the competitive appeal and extensively “gamify” the experience to make the challenges irresistibly fun. Research supports the company’s belief that ”gamification”—the inclusion of elements designed to make an event more fun, including competition, HealthyWage’s team-based weight social features, miniloss challenges, puts to use both challenges, scoring positive and negative peer pressure, points, leaderboards and recognition, accountability, collaboration and monkey-see- awards, rewards, deeper monkey-do pathways. When combined with etc.—drives and more continuous expert support, rewards and competition, the engagement, and stage is set for weight loss success.” stronger outcomes.

The competition element even motivates more men to get involved with a workplace weight-loss program than would be the case otherwise. Workers’ desires to win, or to avoid losing or being left out, provides two critical tools that are often lacking: a reason to start and a reason not to quit. Staying the course with a desire to perform well helps participants achieve measurable results, whether that be related to weight loss, smoking cessation, or other modifiable health-related behaviors.

This Energy Industry Challenge has grown nearly 300% since its first year, prompting HealthyWage to offer other industry-specific challenges, including those in the Law and Education sectors.

The Big Law Wellness Challenge currently engages twelve large Wellness competition is most American law firms from across exciting (and effective) when it the nation, and the Education takes place on multiple levels: challenge brought together 18

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H e a l t h y W a g e participants can voluntarily submit “sweaty selfies,” group exercise photos and fun thematic team spirit photos. One might not expect the buttoned-up cultures of some companies to yield many photos, but HealthyWage’s “challenge boards” contain tens of thousands of group photos of notable corporate See Pay For Pounds Pg 46 February 2017

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February 2017

NEWS-OPINION

BRUCE SPRINGSTEEN WARNS US ABOUT UN-AMERICAN BIGOTRY AND INTOLERANCE But Gets It Completely Backwards. Reality Illustrates Once Again How Twisted Liberal Thinking Has Become. to “speak and behave in a way that previously were considered Had he been hen Bruce Springsteen un-American.” uttered the quote describing the behavior of the Left below shortly after post-election, he would have been Donald Trump won the election, dead-on. he was mirroring the sentiments Bruce, how could you get it so of so many on the political left. wrong? Trump supporters are “bigots, intolerant, hateful, racists, Since the election, the evident homophobes, misogynists and hatred, intolerance and vitriol un-American.” Springsteen among heart-broken Liberals predicted a rise in “hate crimes” seemingly knows no bounds. They his fear that these Republicans, have attacked Trump supporters these Conservatives, these on many fronts, both rhetorically Trump supporters were going and physically. Yet the Left persists by Ron Manera, Senior Editor

with the myth that it’s the Right, the Republicans, the Conservatives and the Trump supporters who are hateful and intolerant. Yes Bruce, the genie is out of the bottle - and the Left is exposed for what they have always been: Frauds and liars. It is the Left that throws tantrums, break things and hurts people. It’s the Left that cannot tolerate any opinion or position that differs from their own. It is the Left that will “speak and behave in ways that previously were considered un-American.” Here’s just a few examples:

Image Credit: Creative Commons

When you let that genie out of the bottle — bigotry, racism, intolerance… they don’t go back in the bottle that easily if they go back in at all,” he said. “Whether it’s a rise in hate crimes, people feeling they have license to speak and behave in ways that previously were considered unAmerican and are un-American. That’s what he’s appealing to. My fears are that those things find a place in ordinary, civil society.” - Bruce Springsteen 20

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February 2017

NEWS-OPINION Trump Inauguration Riots

uring Donald Trump’s inauguration and for days following, rioters took to the streets of Washington D.C. dressed in black with face masks busting out windows of nearby businesses and vandalizing property while carrying obscene protest signs. Did you catch that Bruce?

hung on to the side. “He stepped up back to 70 and 80, swerved again,” Wilcox told the Tribune . “I was looking at oncoming traffic. He probably slowed to about 45. God was watching over for me. I rolled about five or seven times into the oncoming traffic lanes.” Hmmm. Whatcha think about that, Bruce?

n November 14th, a young man was assaulted physically and verbally by a group of 6 men outside a Boston bar as a result of his support for Trump. Men 4 Racist Thugs Torture & punched him in the face and called him Beat Disabled White Man a “racist.” A fractured eye rom an AP update: socket, a broken nose, a “Four black people were busted lip. What about it, Bruce? Un-American? charged with hate crimes Thursday in connection Intolerant? Trump Voter with a video broadcast live Brutally Beaten on Facebook that showed a Chicago Man mentally disabled white man Almost Dies At Hands of man was dragged out of being beaten and taunted, his car and brutally beaten Anti-Trump Mob threatened with a knife and by four Black assailants forced to drink from a toilet.” while they screamed, avid Wilcox, In the wake of the election, “Happens when you almost unbelievable 49, almost this vote Trump, dummy. You voted Trump? You died after a minor attack happened as the thugs voted Trump? Damn! traffic accident were heard to use “terrible Yeah, he voted Trump! turned into a mob racial profanities” against Damn! Beat his ass! beating with the white people and Donald Don’t vote Trump! Don’t crowd screaming Trump. The victim remains vote Trump!” They they “Beat his a**,” and traumatized. ransacked the vehicle “he voted Trump.” and drove off with the victim Still hanging Someone jumped on. How ‘bout this one behind the wheel Bruce? You watch it? of his car as he See “It Ain’t So Bruce...” Pg 47

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Trump Supporter Beaten By Group Leaving Bar

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February 2017

THE INSIDE TRACK - BREAKING NEWS Obesity Protective of Dementia?

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n a large health care study involving almost 2 million individuals conducted in the U.K., researches came across surprising results as they related body weight to the risk of dementia. The data suggests that underweight folks are at the highest risk of developing dementia while heavier souls, including those considered morbidly obese, had a significantly lower risk. The risk decreased as the BMI increased, leading researchers to speculate there may be some protective effect with increased body weight although they cautioned that being overweight may lead to early death from other causes.

change is no factor in property define and control drone insurance since operations. polices are normally D o u g only written for a Marshall, a one year term while Chicagoprojected climate b a s e d change will occur aviation over a much longer consultant span. The BH fund owns GEICO expressed the difficulty of and General Reinsurance. determining pure risk of operation, â&#x20AC;&#x153;This technology is the most disruptive and Drones A Coming innovative that the commercial ccording to the FAA, aviation industry has seen the number of drones since the jet engine, and there operating in US airspace will are no existing standards increase from 600,000 today to on the components of the more than 2.7 million by 2020. technology.â&#x20AC;? Proposals include Regulators are responding like dividing drone operations into they always do by drafting four categories based on type volumes of regulations to of operation, size of the drone

Climate Change No Factor to Insurers

arren Buffet, legendary investor, billionaire and chairman of the Berkshire Hathaway fund which owns two insurance companies says climate 22

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February 2017

THE INSIDE TRACK - BREAKING NEWS & possibility & severity of Austria to Ban Face Veil injury should the drone collide with a person. The insurance n a bid to win political industry is actively seeking support from the far-right, data points on which to base Austria’s centrist coalition drone underwriting. government has announced a series of policies that would Viper Venom To ban face veils, including Cure Alzheimer’s? burkas and hijibs which cover most of the face. “We hen afflicted with believe in an open society Alzheimer’s disease, that is also based on open communication. Fullthe human body veils in public brain becomes spaces stand against engulfed in that and will therefore amyloid plaque, be prohibited,” a protein according to the text that prevents Credit: Creative Commons of the proposal. the regular transmission of signals between brain Arizona Raises synapses resulting in loss Minimum Limits of memory and cognitive functions. Scientists have rizona has raised their recently isolated a component statutory minimum of viper venom that tears the auto insurance rates from Abeta peptides and interrupts 15/30/15 to 25/50/25. Sen. the buildup of amyloid plaque Bob Worsley, R-Mesa, who in the brain. It appears that chairs the panel, said the while the therapy may halt change would add only about the progress of AZ dementia, $7 to $8 a month more to the it may not repair neuronal average bill of those affected. damage already there - and, The increase should not make of course, the therapy is years a big difference in the state’s away from approval for human rate of uninsured motorists. use.

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Lloyd’s Bank Survives 3 Days of DoS Attack

n early January, Lloyd’s Bank was almost continuously hit with cyber attacks over a 3 day period in an attempt to shut down it’s website. These type of attacks are called “Denial of Service” attacks and are intended to shut down the victim’s website. Halifax, Bank of Scotland, and TSB, which shares the Lloyds tech platform, were also affected by the attack. A spokesperson for Lloyds said “We experienced intermittent service issues with internet banking between Wednesday morning and Friday afternoon the week before last and are sorry for any inconvenience caused. We had a normal service in place for the vast majority of this period and only a small number of customers experienced problems. In most cases, if customers attempted another log in they were able to access their accounts. We will not speculate on the cause of these intermittent issues.”

February 2017

ANALYSIS-OPINION

ISLAMISTS HAVE BEGUN NEW COLONIZATION OF U.S. Why One Political Party Is Aiding, Abetting & Accelerating The Process By Guest Columnist Michael F. Haverluck

Leo Hohmann, an investigative reporter on Islamic terrorism for WND who authored Stealth scramble to bring in as Invasion: Muslim Conquest Through many Islamic “refugees” – Immigration and Resettlement, from Somalia, Syria, Iraq, contends that the Left is not Afghanistan and other terrorism discrete about its plans to hotspots – into the United States deconstruct the demographics of as possible has been underway the U.S. – one state at a time. over the past weeks, as President Barack Obama makes plans to The expert leave office and turn in the White on Islamic House keys to President-elect Donald Trump. terrorism (OneNewsNow.com)

The Obama administration’s earlier objective of admitting 110,000 refugees into America for the current fiscal year will be exceeded if the current influx is maintained, as approximately 110,580 are now projected to enter the U.S. It is contended that the spike in numbers is intentional and implemented with a clear purpose. “The refugees are also being concentrated in politically important states, suggesting there is an ideological agenda behind the population transfers,” WND reported. “Some might even say America is being ‘colonized.’” Islamizing America 24

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impressed the fact that swing states are predominantly the recipients of the overload of Islamic refugees – so that they can sway future elections for the Left.”

This sounds seditious, but we have it straight from their own mouths from people on the Left, such as David Lubell of the organization Welcoming America, as I exhaustively documented in Stealth Invasion. Their idea is to change America by changing its people.” The expert on Islamic terrorism impressed the fact that swing states are predominantly the recipients of the overload of Islamic refugees – so that they can sway future elections for the Left.

“It’s difficult to prove that [Republican] states are being targeted, but I would say that swing states are definitely being loaded up with refugees,” Hohmann pointed out. “Ohio, Arizona, North Carolina and Florida are all among the top 10 or 12 states for refugee resettlement. Solid [Republican] “The term preferred by the Left states like Tennessee, Texas, North is ‘seeding’ communities with Dakota, Nebraska, Georgia and diversity,” Hohmann informed. Kentucky also get more than their “Basically, they are talking about fair share, but so do the [Democrat] creating a nation within a nation, states of Illinois, Michigan, a parallel society, that will be California and Minnesota.” nurtured and taken care of until it matures and is able to overtake the He notes that the number one host community. target where the Left attempts to place Muslim migrants are Table of Contents

February 2017

ANALYSIS-OPINION

Muslims must pray five times daily and often demand special accommodation from employers and schools

small towns in the U.S. that are refugees than New York City? predisposed to vote for GOP Or that rural Nebraska leads the candidates. nation in refugees per capita, with rural North Dakota right behind?” “What we can say is this – while the refugee resettlement has From the sparsely populated been chugging along under the states around the Rockies and the radar in this country for 35 years Plains to the region around the – leading to the explosive growth Appalachians, Muslim refugees are of mosques and Islamic centers heading their way. in the United States – I do believe that under Obama, there has “We’ve also seen a renewed effort been more of a concerted effort in 2016 to funnel refugees into to distribute Third World refugees Montana, and also a new refugee into smaller communities,” influx into South Carolina – these Hohmann explained. “How else do are states that haven’t seen many you explain that Stone Mountain, refugees until now, but they’re Georgia, has received more Syrian answering the call of the Obama www.underwritersinsider.com

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administration to step up their game,”Hohmann continued. “Even the Republican governor of Wyoming – the only state that does not accept refugees – has tried on at least two occasions over the past few years to embrace refugees, pulling back only after people in his own party became outraged. So all this is going on, and the numbers won’t be great enough to change the vote yet, but it really shows up in the makeup See Islamists to Colonize U.S. Pg 26 February 2017

ANALYSIS-OPINION Continued From Page 25

ISLAMISTS SEEK TO COLONIZE U.S.?

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of the communities in states like Tennessee, the Carolinas and Georgia and the Dakotas. You have the meatpackers and other food processors like Chobani Yogurt wanting laborers for their plants and the Muslims w a n t i n g worshipers for their mosques, and the Democrats wanting voters to flood the precincts.”

“While the difference seems small and went unnoticed by most politicians, it reflects a drastic change that occurred around the 1970s in the nation’s overarching philosophy regarding immigrants,” WND noted. “They are no longer expected to assimilate, which places the onus on the immigrant to adapt to the dominant American culture

In a concerted effort to make Islam more culturally acceptable than Christianity through the indoctrination process in the public school system witnessed through the “multiculturalism” curricula – as seen in the federally imposed Common Core cookiecutter academic standards that is implemented in most states – Muslims are portrayed in a more positive light that Christians.

“If an American criticizes Muhammad or the Quran, for instance, that is now taboo because it may offend the immigrant,” Hohmann impressed. “That American is now a racist or an ‘Islamophobe.’ But the ax doesn’t swing both ways, so if the immigrant were to criticize something Inciting change about Christianity or the Bible, we “Moderate” Muslim Protesting Freedom In London Over the past don’t hear anything decades, a new era of terminology has been introduced to the … Expecting only ‘integration’ about that immigrant being a American public when it comes places the burden on the host ‘Christophobe.'” to the immigration of refugees, community to adapt to the as the politically correct term foreign culture being imported He insists that cultural divisions “integration” has replaced by the immigrants – meaning it’s and social tensions in American “assimilation,” in an effort to get now OK if these immigrants still communities that used to be Americans on board with the idea haven’t mastered English after a united are now being witnessed that Islamists will not be required decade or more in this country – throughout the nation – in to conform to the American and it’s OK if they prefer Shariah something he calls a “top-down mindset – but rather, resume over American values of equality cultural transformation” that is their religious identity and culture for women and respect for free being forced upon rural areas, speech rights, which can take the where “small town values” are apart from the mainstream. form of criticism of Islam.” being destroyed. 26

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February 2017

ANALYSIS-OPINION “Over time, all these factors combine and the community starts to change and becomes softened to the multicultural vision,” Hohmann added. “Then the government services are offered and more people come to take advantage of that – not only refugees but asylum seekers from Central America and elsewhere.” Because the proliferation of the Islamic immigration movement is still taking root, drastic shifts at the ballot box are not yet being registered, but Hohmann says social cohesion is the first thing that Americans will witness coming to an early end. He alerts that key states – including Texas, North Carolina, Tennessee and Georgia – will see their political landscapes evolve as they transform from red to blue states. “Let’s face it, rural America is the last bastion of conservatism in the United States,” he asserted. “We saw that play out on election night Nov. 8. When all was said and done, it was rural and semi-rural America that brought home the victory for Donald Trump and sent him to the White House. Almost every city of more than 100,000 population went Democratic, as did many smaller cities that are home to colleges and universities, places like Chapel Hill and Carrboro, North Carolina, and Missoula, Montana.” www.underwritersinsider.com

The new colonization effect

One analyst of migration patterns, Diana West, says the Islamization trend in America can be confirmed by a report on Shariah law in the U.S. prepared by the Center for Security Policy. She insists that Islamic colonization is being administered for political reasons – a process that is benignly referred to as “refugee resettlement.”

destruction of the self-governing polity.” Noting the terrorist cells in German and the numerous attacks launched there in the name of Allah – the god of Islam – West maintains that government officials are now unsuccessfully trying to implement damage control to mitigate problems incurred from their lenient immigration policies.

“The goal is securing perpetual Democrat power, in fact, a oneparty state,” contended West, who also serves as a contributor with

“Just look at Germany in the wake of the most recent jihad attack on a Christmas market,” she pointed out. “The government response was to install hideous concrete barriers all around these lovely historic town markets throughout the country. The government’s objective was to prevent further eruptions of the jihad, increasingly common since the arrival of hundreds of thousands of Muslim and mainly male immigrants, which the “Moderate” Muslim Assimilating In London government itself imported.” WND. “The import of Islam into the West – and, more generally, other Third World peoples and cultures without a democratic tradition and few skill sets – make a self-governing polity less and less possible to maintain. The main reason is that with Islam comes the violence of jihad. End of story. With the violence of jihad comes the necessity for the super-security state. With the super-security state comes the Table of Contents

A similar situation could be seen in the not-so-distant future in America, where West says incessant terrorist threats resulting from Obama’s lax refugee resettlement program could be the “new normal.” “What we once took for granted

See Islamists to Colonize US Pg 41 February 2017

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“The Final Authority on Everything!” WARNING!

The Advisor has been known to be politically incorrect and may send certain Millennials scurrying to their safe space. Also not recommended for Progressives who are easily offended. Please read at your own risk.

Some Non-Stick Advice

irst, thanks for The Insider. I don’t know how we got on your list, but the whole staff looks forward to each issue. You have more insurance news than any other insurance mag but I go first to The Advisor. Last month I read somewhere an article stating that Teflon may be cancer-causing. I told my wife to stop using her pots and pans but she said I was crazy. I can’t find anything else on the subject. Can The Advisor clear this up? — S.J. Douglasville, GA

ADVISOR

found that PFOA, a chemical used in one stage of the manufacture of Teflon, caused cancer and reproductive defects in animals. The EPA stated that the chemical in the environment “presents an unreasonable risk to human health.” But don’t stop reading yet. The fact that PFOA can be found in low levels in the environment, including the blood of almost all humans, does not mean that it is being transferred to our food via a fry pan, since the chemical is not even present in

the finished Teflon coating. However, Teflon can still release chemicals that may be toxic if it is overheated. According to the Environmental Working Group (non-profit organization out of Wash. D.C.), fine particulates will be released when Teflon is heated to more than 550 degrees. Never broil on a Teflon coated surface, don’t grill on anything containing Teflon and never leave an empty Teflon coated pan on the burner. Thanks for the compliments on The Insider.

Teflon, the nonstick coating made by DuPont Co., was recently in the news because the EPA 30

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February 2017

We do work hard to be more of the deal, I have to offer than just another insurance some transitional assistance including speaking to magazine. renewing commercial

of her desk. Second, she has a loaded .357 Magnum revolver in her top desk drawer. These items for protection, she says, Pit Bull although the agency Iâ&#x20AC;&#x2122;m concerned about my Insurance... is in a very nice liability should the dog eat neighborhood. I have sold one of my one of my former clients after she two big concerns. insurance offices shoots them accidentally. What do I First, I think she is to a young lady who going to lose a bunch do here? is paying off the of renewals (upon purchase price over which my selling a five-year period. I still accounts as they come up. price is calculated) with the retain a security interest in Last week when I was in the stinking mutt in the office the agency and will until office, I noticed two things and second, Iâ&#x20AC;&#x2122;m concerned it is paid. The purchase that greatly disturbed me. about my liability should the price is based largely on First, the buyer is bringing dog eat one of my former renewals. The office lease her 125lb. Pit-bull/Rotweiller clients after she shoots them will also remain in my into the office every day name until paid. As part and chaining it to the front See Release Me Pg 34

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220/440 Lic. Ins Agent Needed - Boca FREE CLASSIFIED RULES: Submit all ads online at: www.underwritersinsider. com/classifieds. Ads must be less than 501 characters plus a title line. Eligible free classifieds include help wanted, position wanted, personal ads, agency for sale/purchase, or the one-time sale of an item or items. Place Ad HERE! REGULAR CLASSIFIED RULES: Submit all ads online at: www.underwritersinsider. com/classifieds. Only $1.00 per word, including title line and response info. Payment must be received prior to print date. Ads run 3 mo.

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Looking for inside / outside lic. experienced sales rep. Must know QQ/QF, Semcat and other software packages. Efax resume to 954-908-7001. Great office. Regional Outreach Coordinator wanted

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February 2017

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Cont’d... 2-20/4-40 COMMERCIAL LINES MIAMI DOWNTOWN

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Continued From Page 31

ADVISOR accidentally. What do I do here? — R.S. City and State withheld on request. First — and this is important — do not make her mad! We agree, you have a problem. Hopefully you have a clause in your Sale/Purchase Agreement that restricts the buyer from any action that would tend to affect the performance of the business, 34

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since your sale price is a percentage of renewals. We’d get our lawyer involved at this point. Hey, if someone is going to get shot... We think you’ll have more success getting rid of the dog than the gun. Many businesses have a firearm somewhere on the premises, but you could at least demand she be rid of it to mitigate your liability. Lastly, we are hoping you have a CGL policy in force that would extend to cover any liability resulting from this business in which you still have a clear interest. Table of Contents

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NEWS

JUDGE DENIES ANOTHER STATE FARM ATTEMPT TO AVOID REDUCING RATES

evidence and AN DIEGO, Calif.â&#x20AC;&#x201D; considering Superior Court Judge actuarial analyses and finding Katherine Bacal today that State Farm needed to denied State Farm's request for decrease its homeowners rates a temporary restraining order by seven percent overall. in an attempt to further delay State Farm Commissioner "State requested a rate J o n e s ' Farm's increase of 6.9 enforcement of his Based November 7, 2016 ongoing effort to percent. on the evidence order directing the avoid complying presented during insurer to reduce a rate filing public homeowners and with the order the renters rates by to reduce rates hearing, commissioner seven percent has to stop," determined that overall. said Insurance the rates being by State "State Farm's Commissioner Dave charged Farm are excessive. ongoing effort to Jones. "It is time Specifically, avoid complying with the order for State Farm to C o m m i s s i o n e r Jones is ordering to reduce rates do the right thing State Farm has to stop," by policyholders to reduce its said Insurance Commissioner and comply with h o m e o w n e r insurance rates by Dave Jones. "It the order to reduce an average of 5.37 is time for State percent, its renter rates." Farm to do the insurance rates right thing by policyholders and comply with by an average of 20.39 percent, and its condominium insurance the order to reduce rates." rates by an average of 13.81 Jones' November 7, 2016 order percentâ&#x20AC;&#x201D;for a total average of to reduce rates came after seven percent. www.underwritersinsider.com

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

February 2017

Notable Quotes In The News

SAY WHAT?

Courageous Saudi TV Anchor Rips Hypocrites Who Claim Terrorists Are Not True Islamists

Image Credit: Creative Commons

fter the abominable Brussels bombings, it’s time for us to feel shame and to stop acting as if the terrorists are a rarity. We must admit that they are present everywhere, that their nationality is Arab, and that they adhere to the religion of Islam. Whenever terrorism massacres peaceful civilians, the smart alecs and the hypocrites vie with one another in saying that these people do not represent

Islam or the Muslims. Perhaps one of them could tell us who does represent Islam and the Muslims. It is we who blow ourselves up. It is we who blow up others. Why do we shed our own conscience? Don’t these perpetrators emerge from our environment? Don’t their families belong to our society? Didn’t anyone you know — someone from your city, a neighbor, someone from your 36

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street, a relative, a nephew, a grandson, a father, or a mother — go to Syria or Iraq to wage jihad?” Talented, bright and beautiful Saudi columnist and TV anchor and Muslim Nadine Al-Budair flat disgusted with the false narrative being promulgated by the hopelessly politically correct - misguided dribble that continues to put the world at risk by denying the absolute obvious. The worst offender? Our own formerpresident who refused to even name Radical Islamic Terrorism as our enemy and outright denied the clear link between terrorism and the ideology of mainstream Islam.

All Refugees Welcome?

easonable people can argue about the details and implementation of Trump’s policies. But the John Lennon-addled “Imagine there’s no country” crowd is post-reason. Their treacle is treacherous. No, nitwits, not all refugees are welcome here. Muslim extremist refugees seeking to wage jihad on our soil and kill all infidels are not welcome here. YEs - That’s The Problem Anti-American refugees seeking to transform our society and culture into a Balkanized hell are not welcome here. Misogynist refugees who treat their (multiple) wives as second-class citizens and subjugate their daughters (who

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February 2017

are vulnerable to “honor killings” for the slightest transgressions) are not welcome here. Jobless refugees seeking to soak up our tax dollars while griping about our lack of generosity are not welcome here. Brilliant political pundit, Michele Malkin in a Feb. 1st column entitled, Not All Refugees Are Welcome in response to a continuing stream of protesters proclaiming the opposite.

Inconsistent Liberals

he government can’t force people to buy products in the private marketplace but pay no attention to whether the prices are sufficiently affordable that people can comply with these laws.”

Image Credit: Creative Commons

Famed consumer advocate Robert Hunter in January making the comment regarding auto insurance and the 19 areas of the U.S. where such insurance was deemed unaffordable. One might wonder if the far-left head of the Consumer Federation of America ever made the same statement regarding the Unaffordable Care Act, a/k/a, Obamacare.

Which Group Do You Identify With?

sk yourself whether you have ever seen Republicans/ conservatives rioting, turning over police cars, looting, setting places of business on fire and shouting obscenities while marching? Have you ever seen www.underwritersinsider.com

conservatives marching with chants calling for the murder of police officers? You may have heard liberals yelling, “What do we want? Dead cops! When do we want it? Now!” In fact, virtually all of the violence against police -- whether it’s throwing stones, ambushing or murdering -- is committed by liberals or people who’d identify as Democrats. The fact of the matter is that if we were to examine criminality in America -whether talking about murderers, muggers or prisoners -- it would be dominated by Dr. Walter Williams people who would be described as liberals, Democrats and Hillary Clinton supporters. Democrats and liberals accuse Republicans of conducting a war on women. Assault, rape and murder are the worst things that can be done to a woman. I would bet a lot of money that most of the assaults, rapes and murders of women are done by people who identify as liberals, and if they voted or had a party affiliation, it would be Democratic. Dr. Walter Williams in a February 1st column comparing the conduct of Conservatives and Liberals. Williams is a renowned educator and political pundit - and one of the smartest analysts in the business.

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BACK ISSUES

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BACK ISSUES

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WHY FREE MARKETS WORK

FREE!

MILTON FRIEDMAN, FAMED ECONOMIST & AUTHOR

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In an era when Socialism is being sold as a viable alternative to free market capitalism, Friedman explains why free market Capitalism works best

HERE ECONOMIST MILTON FRIEDMAN The Myth That Government Has Benefited The Poor At The Expense of the Rich

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ANALYSIS-OPINION Continued From Page 27

ISLAMISTS SEEK TO COLONIZE U.S.? – public celebration and worship – is today increasingly restricted behind barriers, fear, risk,” she warned. “What is happening before our eyes is nothing less than the contraction of religious freedom in the Christian world as a direct result of an increasingly Islamic presence. Forget about free and open Jewish worship in Europe. It doesn’t exist anymore. As Bat Ye’or has pointed us in her essential writings on dhimmitude, Jewish worship has been constrained and under armed guard in Europe ever since the PLO emerged on the continent by the 1970s. Now, European Jews are migrating to Israel. What, at this rate, will European Christians be doing in a few decades? What will Americans be doing, short of stopping this Islamization trend now?” More than terrorism …

Harvard University scholar Robert Putnam and other academians insist that besides terrorism, refugee resettlement has social costs. www.underwritersinsider.com

“[Immigration and ethnic diversity have a] devastating impact on social capital, the fabric of associations, trust and neighborliness that create and sustain communities,” Putnam insisted.

He claims that social ostracism and economic destruction are being slapped on Americans who do not embrace the colonization of their communities – where they are increasingly being treated as second-class citizens as Muslims receive preferential According to Hohmann, the very treatment. essence of the social fabric of America is being threatened by “Civilization jihad is alive and mass immigration and refugee well in the United States, resettlement. where CAIR and other Muslim groups have been agitating at schools, universities, police departments and with local media to stir up feelings of victimhood among local Muslims while planting fear in the local population,” Hohmann divulged. “[A]nother consequence is loss of freedom – especially freedom of speech. Those who speak out about Islam will lose jobs, lose status in the community and “What we will end up seeing eventually could lose everything is more division and less – as is already happening in social cohesion in small-town Europe, where people are being America,” the authority on jihad arrested on charges of hate crime foretold. “People will learn to violations for simply criticizing distrust their public officials, law policies on Facebook.” enforcement, city council and school board leaders when they He calls Americans to stand find out the special privileges against “civilization jihad” before being afforded to refugees that it is too late. are not available to them or their children. I have examples Now is not the time to cower, but of this in my book that are just to fight fire with fire – speaking the first fruits of a pattern that up, making our voices heard will continue to get worse if at the local level and on social Trump does not deal with this media,” Hohmann concluded. issue.” “We don’t have much longer.” Table of Contents

February 2017

www.zalma.com • web log, “Zalma on Insurance” • videoblog, “Zalma’s Insurance 101”

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February 2017

INSURANCE & THE LAW

ZALMA

the loss if the true facts had been known to the insurer as required either by the application for the policy or contract or otherwise.

five acres. Though “the property” is not defined, its plain meaning is the property for which coverage is sought based on the face of the application. The application also asks for a “location address” of the property to be insured. The undisputed evidence in the present record indicates that the property associated with this insured location address exceeded five acres.

Dianne Brennan, an underwriting manager at Southern Insurance, the managing general agent for Great Lakes with regard to Queen’s policy testified by affidavit that if Queen had disclosed that the Property was greater than five acres, Southern Insurance could not have originally issued the Policy or continued coverage under the Policy.

Continued From Page 7

The application on its face According to Brennan, Queen’s unambiguously seeks coverage misrepresentation about the size for the property located at of the insured location “changed 1213 Old Monroe Madison. the nature, extent, and character And that is how the policy was of the risk. issued; the insured location is courts generally approximately 8.2 acres. The Georgia find that summary judgment fact that Queen may have had no intention to mislead anyone may be granted on the has no legal significance in materiality issue based on the present context, which the the uncontroverted affidavit Court finds to be a bit harsh but of an insurance company’s representative establishing the law. that the policy would not have been written as issued had the Was the insurance company known of Misrepresentation Material? the misrepresentation. Without A misrepresentation in an some evidence from Queen to insurance application shall create a genuine fact dispute not prevent recovery under on the issue of materiality, Great an insurance policy unless it is Lakes is entitled to summary material either to the acceptance judgment on this issue. of the risk or to the hazard assumed by the insurer would CONCLUSION not have provided coverage with respect to the hazard resulting in In summary, based on the www.underwritersinsider.com

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present record, there is no genuine fact dispute that Queen, through his agent Sorrells, misrepresented the size of the insured location in Queen’s insurance application. There is also no genuine fact dispute that the misrepresentation was material. Accordingly, Great Lakes was entitled to rescind the policy. Therefore, the policy may be rescinded even though Queen thought he was only insuring his house and the outbuilding that sat on less than five acres of his entire eight acre parcel. ZALMA OPINION

Rescission is an equitable remedy where the court determines it would not be fair to allow an insurance policy to exist. As a result of the rescission all premium paid is returned to the putative insured and the policy is returned to the insurer or declared void from its inception.

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TECHNOLOGY Continued From Page 5

KIM KOMANDO Android Auto will appeal to Google and Microsoft users, while Apple CarPlay is designed for Apple fans. Your preference for Apple or Android devices will likely influence your next car’s make and model. On my site, I have information about both car systems. Most importantly, click here to see which system is preloaded into different car makes and models. A responsible auto rep will tell you all about these consoles and infotainment services. Ask how long the free trial lasts, and how much the subscription will eventually cost. Grill them about cancellation policies, especially for features that you’re not entirely sold on. If any of these explanations sound fishy, just decline. Better to learn about your new car and drive it for a few hundred miles before adding features you may never even use.

directly into your vehicle’s system. For years, tech-savvy drivers have fed music directly through their car radios, or held hands-free conversations through their car’s speakers.

streaming services while driving may devour your data plan. The same goes for “tethering” a device to your phone, a technique some passengers use to access the internet during commutes.

An infotainment system is just a more sophisticated version of these radios and speakers. You can usually connect your phone directly to your infotainment console, which accesses all the music, podcasts, GPS, and streaming services you already have, and you don’t have to pay a penny extra.

To avoid a future data famine, you can download podcasts or audiobooks ahead of time, especially during long trips. It’s also a good idea to track your data use so you won’t go over the limit. For an app that serves this purpose, click here.

These minor price tags can add up over time, and the final tally might surprise you, especially when you set up automatic payment. You may not realize how much you’re shelling out for carbased infotainment until you look over your credit card statement.

Looking for a podcast to listen to while you drive? Be sure to listen or download my podcasts, or click here to find it on your local radio station. You can listen to the Kim Komando Show on your phone, tablet or computer. From buying advice to digital life issues, click here for my free podcasts.

Learn about all the latest technology on the Kim Komando Show, the nation’s largest weekend When it comes to vehicle radio talk show. Kim takes calls infotainment, I don’t use any paid and dispenses advice on today’s subscriptions. Instead, I use my digital lifestyle, from smartphones phone. and tablets to online privacy and data hacks. For her daily tips, free The truth is, most upmarket cars come with USB or audio ports that There is one downside: Using newsletters and more, visit her let you plug your smart phone your phone for navigation and website at Komando.com. REMEMBER YOUR SMART PHONE

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February 2017

NEWS

POLICYHOLDERS RECOVER $7.6 MILLION AFTER TURNING TO THE LOUISIANA DEPARTMENT OF INSURANCE FOR HELP

nsurance Commissioner Jim Donelon reports that insurance policyholders in Louisiana were able to collect an additional $7.6 million as a result of assistance provided by the Louisiana Department of Insurance (LDI). Commissioner Donelon says these funds are a result of staff from the LDI Office of Consumer Services working with company representatives to resolve consumer complaints that were filed with the office. These recovered funds are in addition to the original amounts offered to consumers by their insurance companies.

created in 2015 as part of the LDI reorganization and has led to better department efficiencies and greater recovery of funds.”

companies. In 2015 the LDI helped consumers recover $5,146,106 and there were 3,667 complaints filed.

By way of comparison, in 2016 the LDI received 4,369 complaints and helped consumers recover $7,604,380 in additional payments from

Funds recovered are from formal complaints regarding property and casualty, health, and life and annuities products.

“We receive calls from consumers related to such things as nonrenewal or cancellation of a policy, confusion about certain provisions in a policy and feeling unsatisfied with what the company is offering to settle a claim,” Commissioner Donelon said. “Our new Office of Consumer Services was www.underwritersinsider.com

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ANALYSIS Continued From Pg 18

University of Arizona explained why.

PAY FOR POUNDS

While the study was more focused on the negative influence of one’s peer group, there is evidence to suggest that the same factors responsible for negative behaviors executives, professionals, leading to weight gain that’s secretaries, factory workers and worsened by social networks may everyone in between. To further also prompt the reverse adoption increase the fun factor and spirit of healthy choices leading to of competition, participants can weight loss. also check out leaderboards that detail each team’s standing within Because HealthyWage challenges the challenge as well as the rank are run in teams, the influence of each team member. of each of those peer group pathways is strong. Each Moving up in the standings or teammate is accountable not even within your team becomes only to themselves, but to each a great source of motivation as individual on the team. When does the opportunity to become team success relies on one’s the MVP or the “most improved” of individual success, everyone wins. the week. Moreover, participants Because of this, teammates are earn ribbons for every 2% weight more motivated to push through loss they achieve (with cash prizes difficult times or make the hard for the top ribbon earners) and a decision when they are, in part, gold star for each weekly weighresponsible for other people’s in they complete. Additional biability to win prize money. weekly “mini-challenges” further turn vital behaviors like calorie Some teams take it upon counting into a rewarded activity. themselves to heighten this concept, with rewards or penalties 3. Leverage the Power of Teams instituted on an internal team and Social Networks level. One team at a Fortune 50 One ground-breaking study out company named the “17% BFFB of the Department of Health team” offered $10 for each pound Care Policy at Harvard Medical lost to each team member as School highlighted how having additional incentive. Other teams an overweight or obese network have created contracts with one made one more likely to be another to commit to specific overweight or obese oneself, activities and behaviors for the while a second study out of the duration of the challenge, while 46

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others held their own private weekly meetings and mandatory weekly weigh-ins to ensure everyone remained on track. As technology continues to keep businesses connected 24/7, so does it enable the growth of relationships across those companies, creating vast networks of virtual support. Since social support has proven time and again to be a crucial element in a successful weight loss program and because employees spend so much time at work, it makes sense that engaging these co-worker networks would only increase the likelihood of weight loss success. HealthyWage’s team-based weight loss challenges, puts to use both positive and negative peer pressure, accountability, collaboration and monkey-seemonkey-do pathways. When combined with expert support, rewards and competition, the stage is set for weight loss success. 4. Use the All-Powerful Motivator: Money

Finally, money talks, and in more than just one way. Once again the research is clear, pointing to both incentives and loss-aversion as powerful motivators for weight loss. One study published in the Journal of the American Medical Association found that dieters offered monetary incentives for February 2017

weight loss shed more pounds Continued From Page 21 and were more likely to achieve their goal than those who were not. Further, having “skin in the game” by way of money is an asset unto itself when it comes to weight loss. The chances of succeeding at something as Violence Erupts At significant as a changing one’s lifestyle rises substantially when Portland Airport As Trump a person’s own money is at stake. Supporters Viciously

SAY IT AIN’T SO BRUCE

of all that - and she’s not a Trump supporter Bruce. While wearing a Black Lives Matter t-shirt, she lectured the anti-trump crowd through a megaphone:

“First off, we need to start killing the White House. The White House must die. The White House, your f***ing White House, your f***ing presidents, they must go! F** the White House!” And just to wrap it Attacked HealthyWage offers both an up, the sweet little thing finished incentive and a loss-aversion with, “f*** your respectability. F*** pathway. Participants must put en Liberal thugs chased you side-eyeing motherf***ers, their own money on the line when down and beat four Trump ’cause I know … in the back of registering for a competitive supporters at the Portland your f***ing head y’all got s***t team challenge or an individual airport. As one of the victims to dismantle, whether it’s your weight loss bet. They are further lay on the ground unconscious, motherf***ing patriarchy, your incentivized to achieve, not just the attackers screamed “That’s motherf***ing anti-blackness, by the nature of the competition right Nazi boy!” Watch the vid... anti-queerness … not recognizing and the positive peer pressure black and brown trans, queer, from their team, but also from women and femmes and nonthe potential for a large monetary binary people have motherf***ing reward for success, often upwards led the f***ing way. So kiss their of $10,000. motherf***ing feet and give them your f***ing money and walk the Since its foundation in 2009, f*** away after.” HealthyWage has helped throngs of Fortune 500 and What about it, Bruce? This change Here’s the clip, Bruce. WARNING: other companies not only bring your mind? GRAPHIC LANGUAGE! Maybe you health and wellness back to can crawl out from your liberal their employees but also boost for just a moment, Pre-School Teacher Lets echo-chamber profitability by employing check out the real world and healthier individuals. Lose At Anti-Trump With rethink your foolish statement.

Multiple F-Bombs

Perhaps one or more of the four key factors above that have ow, Bruce. Talk helped facilitate this extraordinary about intolerance, success story can be adapted bigotry, racism and to your own business model, helping you break boundaries hatefulness. This woman, a foulmouthed self-described preand pioneer lasting change. school teacher is the epicenter

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