GLG News by Individual and Group Long Term Care Brokers

John David CoffeyPresidentDavid Coffey Agency, Inc.

Who needs Building and Ordinance Law Coverage?

July 12, 2007

Analysis of:FAQ- Commercial Insurance | www.maine.gov

What is this coverage? What does it do and when? How can it be purchased?

John David CoffeyPresidentDavid Coffey Agency, Inc.

Do we really need insurance agents?

July 12, 2007

Analysis of:How Travelers Retain(s) Their Best Customers | www.dbmarketing.com

Does the public need insurance agents or a "middleman"? Do insurers?

Bilyana SavicPresidentInsurance Insights

Healthcare: The New International Market

July 9, 2007

Analysis of:Borders are no barrier to affordable healthcare | www.latimes.com

There are two key considerations I think are very indicative of the changing times of American healthcare. First of all, the Consumer Driven Model emerging as the primary vehicle of healthcare insurance. And secondly, the effects on domestic medical costs should this trend continue.

Bilyana SavicPresidentInsurance Insights

Go eletronic or get left behind

July 9, 2007

Analysis of:"Hybrid" medical records an option for some hospitals | www.healthcareitnews.com

In an era of high speed information, it is unfortunate that our heatlhcare providers are lagging behind consumer demand. The transition from paper to eletronic is inevitable for all providers.

John David CoffeyPresidentDavid Coffey Agency, Inc.

The Unisured- The Untouchables- "That's the Florida Way" Part 2

July 9, 2007

Analysis of:Will auto insurance become optional? | www.miamiherald.com

What will be the affect on insurers? Be they a stock or mutual company, be they Admitted or Non-Admitted, will they adapt and react to the new market environment or will they just leave?

John David CoffeyPresidentDavid Coffey Agency, Inc.

The Uninsureds- The Untouchables- "That's the Florida Way" - Part One

June 28, 2007

Analysis of:Will auto insurance become optional? | www.miamiherald.com

1. The reaction of the masses when one monthly bill is no longer required. 2. The consequences of a state not holding those responsible for their negligence financially accountable for their actions.

John David CoffeyPresidentDavid Coffey Agency, Inc.

Insurance Agents: Educating Your Insured Before Claim Time=More Productivity

June 25, 2007

Analysis of:Speeding Up Your Homeowners Clain | tdi.state.tx.us

1. Tell the insured what their new policy covers Point of Sale and remind them to read, file, and call the agent if there are any questions. Also schedule an Annual Policy Review to reiterate the coverages even if the insured has suffered no losses during the policy period. 2. Inform the insured of the "Duties of the Insured," meaning protect the subject of insurance from further damage and call the agent, not the insurance company immediately. 3. Let the insured know to begin contacting contractors, bodyshops, etc. to obtain estimates for repair. Advise the insured of the dollar amount of their deductible and to keep any out-of-pocket receipts generated as a result of the loss for reimbursement.

Bilyana SavicPresidentInsurance Insights

changing dynamics of health costs

May 29, 2007

Analysis of:Retail clinics: Accepting the inevitable | www.fiercehealthcare.com

There are a number of new trends emerging in the care and delivery of health needs. One of the most prominent is the rise of retail health clinics. For the first time, Primary Care Physicians, an area traditionally unchallenged is facing competition.

Bilyana SavicPresidentInsurance Insights

outsourcing - is it cost effective???

May 29, 2007

Analysis of:Insurance Outsourcing Focuses on India | www.insurancejournal.com

Insurers looking for cost cutting programs are interested in outsourcing operations and customer service functions. However, the success rate has been marginal. Outsourcing faces many challenges and will continue to do so until the Indian culture adapts its business models to ones compatible with our insurance practices.