Megapolis Insurance

Two insurance agents in Lakeland, Fla., were arrested Feb. 3 for allegedly stealing more than $422,000 from the brokerage for which they worked and from where their mother retired.

Cynthia Applewhite and Sherryl Devine were promoted to licensed insurance agents at Jacks Insurance when their mother, Maria Applewhite, one of the two active partners, retired in June 2007. Maria Applewhite is Devines mother and Cynthia Applewhites mother-in-law.

Between July 2007 and October 2010, Applewhite and Devine allegedly pocketed $252,600 in cash payments for insurance premiums from customers intended for deposit into the Jack’s Insurance business account, according to the Polk County Sheriffs Office. T

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Are you suffering from gum disease or any other oral or dental disease? Maybe you need dental insurance protection. Dental insurance is created to cover a part of expensive dental costs. It is also a part of health insurance. It can be applied to individuals, families or groups with three main categories, Indemnity, PPO (Preferred Provide Network dental plans) and DHMO (Dental Health Managed Organizations). These types of dental insurance allow you to visit your dentist within or out of dental network. Generally, dental insurance is provided by your employers. If you are not employed by companies, you can purchase a dental insurance from insurance companies directly.

What are the Benefits of Dental Insurance?

If you have bad eating habits or dental disease, dental insurance is a great idea to save the cost which comes from dental health care. Dental insurance avails you with preventive dental care and regular diagnostic with minimizing the dental problems that you may encounter. It includes basic and major dental care.

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After many grueling hours of researching life insurance companies and comparing quotes, you submit your application only to be told that you are not eligible for coverage. While you probably have an opinion about whether or not this decision was fair, the best thing you can do is to get a second quote. No two insurance companies follow the same underwriting policies and their guidelines are never truly set in stone. Learn from the decision and find another company and agent who are willing to offer you decent coverage at a reasonable price.

Reasons for Denial

Typically, while an insurance company may reject your application based on their underwriting guidelines, the reason for denial is most likely due to a health condition. Some companies may feel that asthma is an acceptable circumstance an individual must live with and it poses no threat to the company, while others may feel that asthma may mean a higher premium for the applicant.

Health

Almost all insurance companies will require you to undergo a physical and medical evaluation at no cost to you from a qualified physician, typically chosen by the insurance company.

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Continuing growth in the number of people struggling to obtain cover is feeding strong demand from brokers for the home insurance products provided by Plum Underwriting Limited.  As a result Plum sales have more than doubled over the past twelve months to a five year high.

Demand for both Plum Flex – which caters for risks involving non-standard construction, flood risk, subsidence, adverse claims histories, previous convictions, bankruptcy, non-standard occupations and irregular occupancy – and Plum HomeWorks, Plum’s specialist cover for properties undergoing substantial alteration or renovation have trebled.

Commenting on the results, Plum Managing Director David Whitaker said: “With mainstream insurers and the aggregators focusing on less complex ‘standard’ risks, and tightening their risk acceptance criteria and underwriting parameters, they are excluding an ever increasing number of homeowners.

“Our success is built on our ability to help brokers meet the needs of what is essentially a growing ‘insurance underclass’. We do this by prov

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