1. Edwin J. Polverino, D.O.

2. Home Auto Life Disability Health Malpractice

3. Go direct Buy from a broker Please do not believe that it is the same price. Nothing is free. Pay for what you need and nothing more.

4. Some brokers represent one or two companies, others represent many companies. With Home insurance it is simple to shop around and compare. Usually flows well with Auto.

5. Always self insure Increase your risk with higher deductibles – save money Be sure the policy pays for Replacement cost Be sure you get an Umbrella Policy

6. Some brokers represent one or two companies, others represent many companies. With Auto insurance it is simple to shop around and compare. Usually flows well with home insurance.

7. How to beat them at the risk game Always, Always self insure Increase your risk with higher deductibles – save money Consider increased health benefits – it is inexpensive Check on the replacement value and drop your comprehensive /collision coverage Be sure you get an Umbrella Policy

8. Term Whole life

9. Remember what life insurance is. Term Life – The best tool for the job Short term or up to 30 years You buy what you need Whole life – RUN!!!!!!!!!!!!

10. Some brokers represent one or two companies, others represent many companies. With Life insurance it is simple to shop around and compare.

11. Mitigate risk with multiple policies. Look for policies with automatic increase options, usually at preset intervals. Build an estate and look to eliminate policies.

12. Some brokers represent one or two companies, others represent many companies. With disability insurance brokers can be helpful. Lots of gotchas here.

13. 1. Mitigate risk with multiple policies. 2. Look for policies with automatic increase options, usually at preset intervals. 3. Build an estate and look to eliminate policies. 4. Job specific clearly defined. 5. Age of payment stop date clearly defined. 6. Post tax policies are best.

14. Go direct - Use the internet. Evaluate your risk. The best value is usually a High Deductable Plan. Remember - self insure as much as you can.

15. Standard Companies High Risk Companies Admitted vs Non-admitted Brokers Going direct (50 – 66% saving)

16. Reserve the right to settle. Interview the companys claims department before making the final decision. Who do they use in your town How involved are you Why would they drop you as a client What causes a rate increase Ask about low risk credit programs

17. Occurrence – No Nose or Tail Claims Made – Nose and Tail available

18. Occurrence – No Nose or Tail Higher cost (includes tail in the price) More flat fee (better to budgeting) Consider the long term strength rating of the company

19. Claims Made– Nose or Tail available Step rate increase over 5-7, cost will rise to equal an Occurrence Policy. Tail cost will equal the money not paid in years 1-5 or 1-7. Sometimes tail is free with retirement. A Nose can be cheap and prevent the need for a tail. Employers – avoid offering a nose Employees – try and get a nose