The Underwriter's Insider October 2015 by The Underwriter's Insider

Features 5 Advertising 9 Kim Komando 22 Inside Track 27 Insider Advisor 28 Classifieds 32 Say What? 34 Back Issues

News 4 4 4 7 9

A Short History Lesson On Which Political Party Supported What... S&P Identifies 13 Specialty Insurors That Are Ripe For Takeover Crazy, Funny Heavy Equipment Fails Be Glad You Aren’t Insuring Them! Rockwood Programs Appointed To Serve As National E&O Administrators Three Gadgets That Are Always Listening & How To Stop Them By Kim Komando

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Sexual Abuse Of Child Never An Accident - By Barry Zalma, Esq.

California Insurance Agent Charged With Ponzi Scheme Involving $21M Movie Investment Scam

Socialism! Half The Folks In America Have No Idea What It Is. Watch This Short Vid On How Socialism Has Destroyed The Economy in Argentina

Florida CFO Jeff Atwater To FL Legislators: Disinvest In Companies Doing Business With Iran

Democrats Begin To See The ACA As The (UN)ACA - A/K/A “OOPS!” We Insure Franchise Continues To Grow: Multi-Million Dollar Agency Joins We Insure

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News 19 21 21 22 23 27 30

FTC Returns Money To Consumers Scammed On Phoney Health Insurance

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2015 LAAIA Trade Fair Images Now On Line!

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Brillant Young Black Man Goes Off On Obama After Digital Clock Debacle

Florida Agent Arrested For Stealing $20,000+ In Client Premiums Agents Charged With Embezzlement & False Apps In North Carolina Most Americans Clueless On Basic Scientific Principles - Take The Quiz! Broke California To Spend $1B + To Provide Healthcare To Illegals Minimum Wage Increase = Maximum Mistake - The Insider’s Advisor Le Petit Chef - Watch The Most Interesting Restaurant Gimmick We’ve Ever Seen - Video

Dr. Ben Carson In A Truly Refreshing Change In Race Relations Rhetoric Islam - The Real War On Women That Progressives Love To Ignore - And Those Topless Protesters...

1000MPH Vehicle Being Readied For Land Speed Record Attempt! President Obama Praising Islam In Cairo Goes Off The Track - Got To Watch Vid

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Sponsors 6 8 15 16 17 20 18 22 26 26 27 38 39 40 37 42

ROCKWOOD PROGRAMS H.O.P.E. WE INSURE FRANCHISE VERTAFORE - QQ SOLUTIONS ST. JAMES INSURANCE COMPANY CLEARWATER UNDERWRITERS ACCU-AUTO NASA - ECLIPSE AGENCY MGT. ACCU-AUTO SLB GROUP ENCORE HR PERSONNEL SOLUTIONS BARRY ZALMA, ESQ. THE TOWING & RENTAL GROUP FYI GEORGIA VIEW & NEWS ORRIN R. BEILLY, ESQ. FINANCEMASTER

Cover Photo: © R. Manera

JUST IN CASE YOU WERE

CONFUSED ABOUT THIS...

CRAZY, FUNNY HEAVY EQUIPMENT FAILS! WATCH THE VID, LAUGH AND BE GLAD YOU AREN’T INSURING ANY OF THESE RIGS!

S&P INDENTIFIES 13 SPECIALTY INSURORS THAT ARE RIPE FOR TAKEOVER

llied World Assurance Co. Holdings AG, American Financial Group Inc., Arch Capital Group, Argo Group International Holdings Ltd., AXIS Capital Holdings Ltd., HCC Insurance Holdings Inc., Ironshore Inc., Markel Corp., Navigators Group. Inc., OneBeacon Insurance Group Ltd., RLI Corp., RSUI Group Inc. and W.R. Berkley Corp. – in aggregate have “significantly outperformed the U.S. P/C industry” in terms of underwriting were highlighted as possible takeover candidates by rival carriers or investors wanting a position in the segment - which has enjoyed outstanding performance versus the balance of the P/C industry.

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ROCKWOOD PROGRAMS APPOINTED TO SERVE AS NATIONAL ADMINISTRATOR OF NEW INSURANCE AGENTS PROFESSIONAL LIABILITY (E&O) PROGRAM

LAYMONT, Del. -- form offers automatic coverage Rockwood Programs, for independent contractors, Inc. has been appointed punitive damages, regulatory to serve as the national proceedings and subpoena response. Optional coverages administrator of a new Insurance Agents Professional L i a b i l i t y Insurance (E&O) defense expenses product. "Rockwood has been include a premier provider of Insurance outside the limit, first dollar Agents E&O 1997," explains Glenn defense, employment practices Clark, President of Rockwood claims, privacy breach and incident expense Programs. "During our time in the security marketplace, we have pioneered reimbursements." many product "Rockwood has innovations such “Our team believes also streamlined as short form we now offer the Agents E&O applications, one of the most application on-line rating p r o c e s s ," c a p a b i l i t i e s , competitive Agents states Mark. and paperless E&O products "Retail agents compliance. We are available in the can secure an excited to partner indication of with an insurance industry today." premium on carrier who shares most risks by our commitment - Mark Lann, EVP filling out our to underwriting three-page excellence and application customer service." available on our website or by "Our team believes we now offer submitting their already filled out one of the most competitive app.” Agents E&O products available in the industry today," offers The Rockwood Insurance Agents Mark Lann, Executive Vice Professional Liability Insurance President. "Our base policy program offers defense and www.underwritersinsider.com

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indemnity protection against claims arising from rendering or failing to render professional services as an insurance agent or broker. The policy shields employers - plus all current, former, and prospective employees, directors and officers, even the corporate entity - against a broad spectrum of E&O-related claims. Multiple limit and deductible options are available. Interested parties can learn more about this program as well as the other products and services offered by accessing Rockwood's website at www. rockwoodinsurance.com. Mark Lann can be contacted directly by calling 786-4044444 or via email at: mark.lann@ rockwoodinsurance.com.

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OCT 2015 A Publication of AdMax Corp

Corporate Offices P.O. Box 31551 Palm Beach Gardens, Florida 33420 Ron Manera, Senior Editor Follow Me On Instagram: @rmanera 561.718.0745 • ron@insurmedia.com © Entire Contents 2015 AdMax Corp

To best navigate The Insider, begin with the Table of Contents and select your topic. On the bottom of most pages is a Table of Contents link that will immediately return you for your next topic selection. EVERY SPONSOR AD LINKS DIRECTLY TO THE SPONSOR’S WEBSITE. CLICK ON ANY AD TO VISIT OUR FINE SPONSORS!

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THREE GADGETS THAT ARE ALWAYS LISTENING AND HOW TO STOP THEM Really Cool Info - by Kim Komando By Kim Komando

magine driving down a dark, deserted road when your tire blows out. There’s no one around, but, thankfully, you’re not alone. “Hey, Siri. Call roadside assistance.” A second later, you get a response in a warm and comforting voice, “Calling roadside assistance.” Personal digital assistants, such as Apple’s Siri, Amazon’s Alexa, Google’s Google Now and Microsoft’s Cortana, are like something out of science fiction. A comparison is often made to the helpfulturned-

song, pull your appointments, add items to a shopping list, look up information online and more. It hears your voice from anywhere in the room, and it does a good job of understanding what you say.

homicidal computer Hal 9000 Amazon Echo is always listening from the movie “2001: A Space for the activation phrase, or Odyssey.” “wake word.” By default, that’s “Alexa,” but you can set up a Of course, while today’s personal custom wake word. According to digital assistants aren’t going to Amazon, listening for the phrase try to kill you (hopefully), they is done locally and the Echo do have this in common with doesn’t record anything until Hal: They’re always listening. you say that word. Once you Fortunately, also unlike Hal, do, it starts streaming audio to stopping them from listening is Amazon’s cloud for processing, simple. including the audio it heard a “fraction of a second” before you Amazon Echo said the wake word. If you’re looking for the closest thing to Hal 9000, Amazon Echo Once Echo finishes the task you is it. It’s a sleek cylinder that asked for, it stops streaming sits in your living room or audio to the cloud. You can tell bedroom, and acts as when it’s streaming because your personal the light on top of it turns blue. assistant and There’s also a setting that makes media player. it beep when it starts and stops Just ask it to grab the weather report, play a

streaming. You can find this in the Amazon Echo App under Settings>>Your Echo>>Sounds. Amazon does keep recordings of the audio it receives, so it can improve Echo’s voice recognition. You can delete these recordings in the Amazon Echo App under Settings>>History, or delete everything at once at Amazon. com. Go to “Your Account,”

See Kim Komando Pg 39 www.underwritersinsider.com

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SEXUAL ABUSE OF CHILD NEVER AN ACCIDENT Expert Analysis & Commentary by Barry Zalma, Esq.

Why Insurance Won’t Respond To Grandfather’s Evil Acts

lthough liability insurance is designed to protect the insured against lawsuits seeking damage for bodily injury it does not, should not, and cannot cover some types of bodily Barry Zalma, Esq., CFE is a California attorney injury. By definition, the specializing in insurance coverage, insurance claims handling and fraud who serves as acts causing an insured to a consultant and expert for insurers and be sued for damages, must policyholders. He founded Zalma Insurance be fortuitous. Intentional Consultants in 2001 and serves as its senior acts do not fit within the consultant. He recently published an e-book, “Getting The Whole Truth,” which is available definition of insurance. at his Web site, www.zalma.com. Go to Zalma In State Farm Fire and Books at http://www.zalma.com/zalmabooks. Casualty Company Plaintiff htm. v. James R. Estes, et al., Slip Copy, 2015 WL 5570055 2010, her grandfather, James (W.D.Ky. 9/22/15) the District Court for the Western Estes, pled guilty to abusing District of Kentucky was faced Ekaterina during that time with a claim seeking coverage period. When she reached for damages caused to a adulthood, Ekaterina brought minor by her grandfather who suit against James and her grandmother, Clara Estes. She sexually abused her. also added the State Farm Fire and Casualty Company (“State FACTS Farm”) because, since December When she was a young girl, Join Barry Zalma’s new Blog: Ekaterina Estes was sexually http://www.zalma.com/blog abused. The abuse occurred from 2001 to 2004. In February

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2007, James and Clara had a liability insurance policy (the “Policy”) for their home—the home where James abused Ekaterina. State Farm seeks a declaratory judgment that it need not indemnify nor defend James and Clara. In January 2010 James Estes was charged in Kentucky state court with committing sexual abuse in the first degree against his granddaughter, Ekaterina Estes, who was then a minor. Ekaterina was younger than twelve, an aggravating factor that raised the crime to a Class C felony. James pled guilty one month later. He supported his plea with an admission that he had sexual contact with Ekaterina between February 2001 and February 2004. In exchange for his plea, the prosecutors recommended that he receive a five-year sentence, probated for five years. When Ekaterina turned 18 she filed suit against her grandparents. Along with her grandparents, Ekaterina also sued their homeowners’ insurer, State Auto Property and Casualty Insurance Company (“State Auto”), as The Underwriter’s Insider

well as “unknown insurance companies.” State Auto filed a declaratory judgment action in October 2013 in this Court. Though State Auto acknowledged that its homeowners’ insurance policy was in effect during the alleged harms, it argued that exceptions to its policy applied. This Court agreed. Likewise, State Farm— the “unknown insurance company”—filed a declaratory judgment action. It argues that the Policy does not cover the harms done to Ekaterina for three primary reasons: (1) her injuries did not occur during the effective dates of the Policy; (2) even if the injuries happened during the coverage period, they are still not covered because they were not caused by an “occurrence” or accident; and (3) as a final alternative, the intentional acts exclusion bars coverage. THE POLICY In October 2007 James and Clara applied for a “condominium unit owners” insurance policy for their residence in Louisville, Kentucky. State Farm issued the Policy; it became effective in December 2007 for a oneyear period. It still remains in effect. James and Clara owned no State Farm policies prior to December 2007. The Policy explicitly excludes any bodily www.underwritersinsider.com

injury “which is either expected or intended by the insured; or … which is the result of willful and malicious acts of the insured[.]”

sexually abused her from 2001 to 2004. She does claim that she continued to suffer other harms—like psychological damages and loss of enjoyment of life—after 2004, including DISCUSSION after the Policy became effective. But her harms all fall Kentucky law requires insurers outside the coverage period. to defend and indemnify under liability policies. Insurers must James contends that because defend if any of the allegations Ekaterina stated that her mental potentially, possibly, or might anguish continued through be covered. That duty ends if 2009, the Court should treat this the insurer can establish in fact as one extended occurrence that the policy does not cover that fell during the coverage the claim. period. The claim does not appear in a sworn affidavit from State Farm’s primary argument Ekaterina or a treating therapist is that the harms done to but appears only in briefings. Ekaterina, which occurred The language of the complaint from 2001 to 2004, are is what determines whether outside the Policy’s coverage the Policy covers the claim, not period because the Policy did arguments made in briefing. not become effective until Ekaterina’s briefings implicitly 2007. In the alternative, it concede that James’ conduct argues both that Ekaterina’s falls outside the Policy’s allegations do not amount to coverage. “occurrences” as the Policy defines the terms, and that the Clara Estes intentional acts exclusion bars coverage. Because the Court Clara’s position is more nuanced. agreed with State Farm that Ekaterina argues that Clara the harm occurred outside the failed to properly supervise coverage period, it agrees that Ekaterina and failed to protect declaratory judgment in State her from the sexual abuse. The Farm’s favor is appropriate. complaint further indicates that Based on Ekaterina’s complaint, Clara invited Ekaterina to Clara’s the harms she complains of home between 2001 and 2009, did not fall within the Policy’s which subjected her to the coverage. harm and was later a trigger for psychological anguish because James Estes it reminded Ekaterina of the abuse. Ekaterina’s state court See ZALMA Page 24 complaint alleges that James

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DEMOCRATS BEGIN TO SEE THE ACA AS THE (UN)ACA - AKA “OOPS”

OP/ED BY SPENCER A. LEHMANN, RHU

e are entering the 2016 campaign season in earnest. The Republicans have had two debates, one sponsored by FOX and one by CNN. While the Republicans are already duking it out, the Democrats will have their first debate, October 13, at 9:00 pm. It is important to note that Hillary R. Clinton (HRC), her poll numbers plummeting, is taking on the repeal of ObamaCare’s Cadillac Tax as a personal campaign pledge. Oh what Hillary won’t say or do to get elected, email scandals be damned: “Hillary vows to repeal key ObamaCare component: the Cadillac tax”. [HERE ]. The Cadillac Tax, one of the primary drivers for funding Obama’sCare in the long run, is scheduled to go into effect in 2018. But “Surprise, surprise!”, as Gomer Pyle of the Andy Griffith Show would say, now the Democrats are finding that this very unpopular tax might make a great vehicle for them to use to prove that

they really care about the American health insurance consuming public after having rammed this very unpopular law down America’s throat in the first place, against the will of the majority of Americans.

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. In his free time he plays golf with his wife, Fran, who usually wins.

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What exactly does the Cadillac Tax do? The Cadillac Tax imposes a 40% tax on the higher priced Health Plans provided by Employers, and will affect many of the richer plans Union Employees now have as the result of their bargaining units tough deals crafted for the union employees. The Congressional Budget Office estimates that the tax should generate $5 billion in revenue in 2018 alone. That figure goes up to a whopping $34 billion by 2024. Forbes magazine, May 27, 2015: “A survey by the International Foundation of Employee Benefit Plans reveals that 62% of companies facing a 40% Cadillac tax hit in 2018 are already changing their coverage to avoid it. Conversely, only 2.5 percent The Underwriter’s Insider

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CLICK HERE! of companies say they will pay it. How do you avoid it? Change to higher deductible plans, reduce benefits, shift more costs to employees, or even drop highcost plans altogether. The tax is increasingly under fire from Congress. This marketplace reaction is fueling the bonfire. If no one pays it, how else will we pay for Obamacare? The Supreme Court upheld Obamacare as a tax law, and it contains many taxes. One tax that hasn’t yet kicked in is the Cadillac tax. In enacting the law in 2010, the Cadillac tax was buried, not applying until 2018. As the IRS gets ready for 2018, it released guidance setting out approaches to the excise tax. Like all of Obamacare, the Cadillac Tax is enormously complex and nuanced. Of all the taxes in the ironically named Affordable Care Act, none is more onerous than the Cadillac Tax. It is a big tax too, a whopping 40% on top of all other federal taxes. What’s more, it is an excise tax, one www.underwritersinsider.com

of the most dreaded kinds of taxes there is. It is a rifle shot tax that is supposed to discourage something very specific.” [ HERE]

wages. Thus, in reality, this is a tax on wages. The tax applies to Individual Health Plans that cost in excess of $10,200 for individuals and $27,500 for Families.

Let me repeat from Forbes, “In enacting the law in 2010, the Again from Forbes: “In Cadillac tax was buried, not evaluating these dreaded applying until 2018.” thresholds, both employer This is not the first “burial” we’ve discovered in the UnACA (UnAffordable Care Act), and is just a part the corruption we’ve come to expect in this law, along with “You can keep your policy, doctor, and whatever else I can get away with promising you, and I guarantee it or my name isn’t Barack Obama!” nonsense we were fed when then Speaker of the House, Nancy Pelosi (D), told all of America, “We have to pass it before we can know what is in it.” Had we known what was “in it” before it was passed, it would never have become law.

See ObamaCare- Page 41

America’s Unions are only now waking up to what this law is truly imposing on its members. Benefit rich plans are often negotiated in lieu of higher

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FRANCHISE CONTINUES TO GROW: MULTI-MILLION DOLLAR AGENCY JOINS WE INSURE

t's no secret that We Insure has been expanding at a rapid rate in Florida and Georgia throughout the past 5 years. Even after such a short period of time in the industry, their presence is evident – with almost 300 associates, 70+ locations, and countless awards and achievements. They've made it known that this success stems from building and maintaining relationships – with their Carrier Partners, their insureds, and of course – their Agency Owners.

why, after 6 years of successfully running his agency on his own, would he choose to merge with We Insure Group? I was lucky enough to get the answer to that question, and several more, from Chris Salameh himself: Q: How did you find out about We Insure – and how long did it take you to make the decision to partner with the company?

opposed to an independent agency owner? Salameh: Where do I begin...I've been running my own agency, servicing the Jacksonville/St. John's area for about 6 years. But there comes a point in time, which I'm sure all insurance agents can agree with, that the service work starts to take up more of your day than the actual selling. We Insure has a fully licensed and trained service department at their corporate headquarters, so I no longer have to worry about that anymore. Market access is another obvious advantage. They're partnered with over 100 insurance carriers in Florida, so I have an unlimited amount of choices to where I want to place a policy. Something like that not only makes my job easier, but it really benefits my customers. No one likes to be told they're out of luck if their rate goes up. My insureds want choices, and they want to save money – and that is exactly what I am able to offer them now.

Salameh: Initially, I met Phil Visali, Ron Kuruvilla & Lucas Waring at a Safeco event and their model Their most recent addition to really caught my attention. Once the team is one that they are I got some more information especially proud of – Chris Salameh of Jacksonville, Florida. It was in September of 2015 that Salameh officially became a We Insure agency owner and joined “Team WE.” Salameh is no rookie when it regarding their franchise comes to selling insurance. In opportunity, I decided I'd make fact, he's been the President of the trip to their corporate office The Salameh Insurance Group - to meet the Executive Team a multimillion dollar agency in and really get a feel of how they Jacksonville - for 6 years now. operate. To be completely honest, once that meeting was finished, Salameh was able to start, and the decision to partner with them grow his agency with the help was almost instant. Q: What excites you most about of his friends, family, business being a part of “Team WE”? associates, colleagues – and a Q: What do you think will be tremendous amount of hard some of the advantages of being work and dedication. So then a We Insure agency owner as See WE INSURE GROWS Pg 25 14

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CALIFORNIA INSURANCE AGENT CHARGED WITH PONZI SCHEME INVOLVING ELABORATE $21M MOVIE INVESTMENT SCAM

grossing only $54,000 at the box office.

“It’s certainly one of the largest Ponzi schemes that I can Seward & Soref had promised recall,” said Nancy Kincaid, a returns from 10-18% to investors spokesperson for the state - although the receipts from the Department of Insurance. film generated insufficient funds to repay even the investor’s original investment.

The alleged schemers, unable to repay the original investors mostly retirees who had been convinced to cash in annuities formed another film investment vehicle, Windsor Pictures, where they had collected additional millions of dollars from mostly elderly investors. The investments os Angeles - California made into Windsor were then Insurance authorities used to pay back the original have arrested and investors in “Not Forgotten.” charged Michelle Kenen Seward, 42, of Flintridge, CA Neither Seward nor Soref were and a former California licensed licensed to sell investments. More insurance agent with operating than 140 people were victims a Ponzi scheme allegedly bilking of the scheme, which operated investors from Los Angeles and between 2007 and 2010. Kern Counties out of $21 million dollars. An alleged coconspirator, Dror Soref, 75, of Los Angeles was also arrested.

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Seward, a CEO of Protégé Financial and Insurance Services Inc. and SaxeCoburg Insurance Solutions LLC, allegedly talked her clients to cash in investments and invest the cash into a film directed by Soref. The film, “Not Forgotten,” was released in 2009 and starred Simon Banker and Paz Vega 16

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SOCIALISM

or the first time ever, one of the front-runners for the Democrat nomination for candidate for the office of President of the United States is a proud, self-described socialist. At the same time, most Americans donâ&#x20AC;&#x2122;t seem to have a clue what socialism is or why we shouldnâ&#x20AC;&#x2122;t give it a try. Worse, while few millennials know what socialism is, 36% of them are in favor of it! Watch the short vid and see how Socialism destroyed Argentina: www.underwritersinsider.com

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FLORIDA CFO JEFF ATWATER TO FLORIDA LEGISLATORS: ACT NOW TO ASSURE STATE’S RIGHT TO DISINVEST IN COMPANIES DOING BUSINESS WITH IRAN

ALLAHASSEE, Fla. – Chief Financial Officer Jeff Atwater today released the following statement in support of Florida’s right to divest state funds from organizations that are engaged in prohibited business activities with state sponsors of terror. CFO Atwater also sent a letter today to Senate President Andy Gardiner and House Speaker Steve Crisafulli explaining that the pending federal Iran deal could undermine Florida’s existing sanctions against such entities. CFO Atwater urged the legislative leadership to act quickly to defend Florida’s established law on this critical issue. CFO Atwater said, “The sinister machinery of the Iranian regime is not news to Floridians. In fact, Florida was a leader—the first in the nation—to pass a law requiring divestment of public funds from companies that do business with Iran. This bipartisan effort passed both houses of Florida’s legislature unanimously. Since the law’s passage, our State Board of Administration has

divested more than $1.1 billion from companies involved with Iran, and 30 states now have similar measures that keep public money from funding terrorism.

“What’s more, in the very text of its agreement with Iran, this administration, with disturbing clarity, memorialized its commitment to induce states into abandoning their anti-terrorism “A state can invest policies. funds—or not invest funds— “As it stands, Florida laws allow where it chooses. It the President or Congress to void is a matter of states’ our divestment policy. At the rights. Absent a time of enactment, this seemed treaty, which the prudent. But at that time, we pending federal could not have dreamed that Iran deal is not, the our country’s leadership would federal government enter into an agreement at odds cannot force states with the sentiments of most to do business, Americans and engage with a state that openly either directly or “In the very text of sponsors terror, indirectly, with its agreement with holds American regimes that fund h o s t a g e s , Iran, this [Obama] terrorism and threatens the s y s t e m a t i c a l l y administration, with stability of an abuse human disturbing clarity, entire region, rights. Secretary seeks to eradicate memorialized its of State John Israel from the Kerry admitted face of the earth, commitment to as much in his and whose induce states into recent remarks to leaders presently abandoning their Congress. Further, call for ‘Death to the agreement America.’ But that anti-terrorism itself exposes this is the reality we policies.” administration’s live in today. plans to use ‘all available authorities’ to force “In 2007, I co-sponsored Florida’s states to follow them down this Iran divestment bill (SB 2142), reckless path. and I continue to believe we must The Underwriter’s Insider

FTC RETURNS MONEY TO CONSUMERS TRICKED INTO BUYING PHONY HEALTH INSURANCE

use any and all means available to defend against whatever steps may be taken to undermine our state’s policy decisions. One person should not have the power to undo the policies of a state of 20 million people. For he Federal Trade that reason, it is imperative that Commission is mailing Florida lead the charge—just 6,832 checks totaling as we did in establishing our sanctions—to shield states from more than $1.1 million to the federal government’s attacks consumers who lost money to a on our sound and bipartisan health insurance scam. policy against funding terror.” In 2012, the FTC charged the A copy of the CFO’s letter to Independent Association of President Gardiner and Speaker Businesses (IAB) and Health Service Providers (HSP) Crisafulli. defendants with violating the FTC Act and the FTC’s Telemarketing Sales Rule by deceiving consumers seeking comprehensive health insurance. Instead of health coverage, consumers received membership in IAB, an obscure trade association that provided purported discounts on services such as identity-theft protection, travel, and roadside assistance, and some healthcare related benefits that were subject to broad exclusions and limitations.

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Under settlement orders issued in 2013 and 2014, the defendants are banned from selling healthcare-related products. Consumers who purchased IAB memberships from HSP’s telemarketers will receive checks in the amount of $167.63 from the FTC’s refund administrator, Gilardi & Co., LLC. Consumers should deposit or cash the checks

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within 60 days of the mailing date. The FTC never requires consumers to pay money or to provide information before refund checks can be cashed. Consumers who receive checks and have questions can contact Gilardi & Co. at 1-877-255-2476. Learn more about the FTC’s refund program. Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad.

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FLORIDA INSURANCE AGENT ARRESTED FOR STEALING MORE THAN $20,000 IN CLIENT INSURANCE PREMIUMS

DAVIE, Fla. - The Florida Department of Financial Services’ Division of Insurance Fraud (DIF) today announced the arrest of Lisa Dwyer, 49, a formerly licensed insurance agent employed by Southeast Insurance Agency in Davie, after she allegedly stole more than $20,000 in premium funds from her clients.

During an eight month window of time, the owner of Southeast Insurance Agency discovered that one of his agents, Lisa Dwyer, had misappropriated, or stolen, insurance premium payments from his company’s customers.

The owner fired Dwyer and reported her actions to the Division of Insurance Fraud.

An investigation led by DIF in concert with the Department’s Division Agent and Agency Services revealed that more than 50 customers had some if not all of their premium checks stolen by Dwyer, for a grand total of just under $22,000 in wrongfully allocated insurance premium funds. According to Dwyer, much of the stolen funds were kept for her own personal use, but she claims to also have used some of the premiums to make payments on a few of the insurance policies.

The owner of Southeast Insurance Agency compensated for the fraudulent actions of the employee by ensuring sure that all affected policies were paid for and current. Lisa Dwyer was booked into the Broward County Jail and charged with Misappropriation / Diversion of Fudiciary Funds, a second degree felony, and bond was set at $3,500. The case is being prosecuted by the office of Broward County State Attorney Michael J. Satz. If convicted, Dwyer could face up to 15 years in prison and up to $10,000 in fines.

AGENTS ACCUSED OF EMBEZZLEMENT & FALSE APPLICATIONS IN NORTH CAROLINA

ALEIGH -- Commissioner Wayne Goodwin announced the arrest of David Mark Blanton, 50, of 11061 Creekside Drive, Leland charged with 6 counts of embezzlement by an insurance agent, 2 counts of forgery of an instrument and 2 counts of uttering a forged instrument. DOI criminal investigators accuse Blanton, a licensed insurance agent of accepting premiums from United Insurance Co. clients without applying that money towards their policies from October www.underwritersinsider.com

2012 through November 2013, at times asking customers to write a check directly to him. Investigators allege Blanton forged checks belonging to United Insurance, fraudulently made them payable to himself and deposited the money into his personal account on two occasions. Blanton released on a $125,000 bond. Goodwin also announced the arrest of William Edward Leiss, 41, of 301 Winrow Drive, Jamestown; he is charged with 12 counts of obtaining property by false pretense and one count

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of attempting to obtain property by false pretense. DOI criminal investigators accuse Leiss of receiving $13,175.82 in commission from Americo Insurance by presenting false information on life insurance apps from October 2014 to January 2015. Investigators allege Leiss presented 11 forged applications, one application with false medical information and an application on behalf of a deceased man. Leiss was arrested on Sept. 1 in Guilford County and released on a $1,000 bond. 21

Breaking News Most Americans Clueless on Basic Scientific Facts

Check Your Pulse, Then Turn Yourself In

recent report by the Los Angeles Times illuminated a shocking link between criminal behavior and a physiological metric: resting heart rate. “They found that the men with the slowest resting heart rates were 49% more likely to become violent criminals than the men with the fastest resting heart rates. They were also 33% more likely to be convicted of a nonviolent crime, such as a drug or traffic offense. In addition, the researchers discovered that the men with the slowest hearts were 41% more likely than those with the fastest hearts to be injured in an assault and 31% more likely to be injured in an accident. The associations were not explained by physical, c a r d i o v a s c u l a r, psychiatric, cognitive, or socioeconomic factor.” 22

lthough they all have an unshakeable opinion on Climate Change, a recent Pew Research gave adult Americans a “D” on basic science knowledge. According to Pew, only 6% answered all 12 simple science questions accurately. The toughest questions on the test seemed to be how higher altitude (lower air pressure) effected the temperature at which water

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would boil and the easiest was a question regarding which of the Earth’s three layers was the hottest. The Pew researchers found that whites did much better on the tests than Latinos or African Americans with respective scores of 8.4, 7.1 and 5.9 correct questions out of 12. Note: Your editor, who believes that anthropogenic climate change is mostly a Progressive hoax, easily scored 12 out of 12... Take the quick quiz HERE!

ort Lauderdale, FL. On September 15, 2015: Commissioner Kevin McCarty was recognized with a Lifetime Achievement Award for his 27 years of public service, by FAIR, the Florida

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Association for Insurance consumers by their insurance Reform. Also being honored companies. Commissioner at the organization’s third Donelon also announced annual awards dinner and two new appointments to gala are Joseph Petrelli and offices that strive to inform Sharon Romano consumers of their Petrelli, founder rights and work to and co-founder educate the public to of the one of the eliminate waste and nation’s leading fraud. Jeffrey Zewe insurance has been appointed rating agencies, Deputy Commissioner Demotech, Inc. Florida Insurance of the newly formed Commissioner Other awards are Office of Consumer Kevin McCarty being presented Services and Darie to Outstanding Legislators, Jordan has been named Senator Jeremy Ring and Director of the Louisiana Representative Jake Raburn, Automobile Theft and and to the Miami-Dade Board Insurance Fraud Prevention of County Commissioners Authority (LATIFPA). for their residential pool safety initiative. Pennsylvania Recovers

LA Recovers $2.37 Million For Consumers

n the first six months of 2015, the Lousiana Department of Insurance (LDI) recovered an additional $2.37 million for insurance policyholders. Insurance Commissioner Jim Donelon says the funds are the result of LDI staff working with insurance companies to resolve complaints and are in addition to the original amounts offered to www.underwritersinsider.com

$70K+ From Carriers

ennsylvania Insurance Commissioner Teresa Miller announced her department has recovered $70,449,334 for 4,293 beneficiaries through the first six months of 2015, as Pennsylvania continues to serve as a lead state in several multi-state examinations of business practices in the life insurance industry. The examinations focus on the life insurance industry’s selective use of the Social

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Security Administration’s Death Master File (DMF). Examinations have shown while some companies used the DMF properly to identify beneficiaries when a policyholder died, other companies used the file to terminate the payment of annuity benefits, while failing to trigger the payment of life insurance policy benefits.

Broke California To Spend $ Billion To Cover Illegals

alifornia, arguably one of the most liberal states in the union while one closest to insolvency faces policy decisions that challange both of those realities. The state was a big fan of ObamaCare, embracing the unpopular socialized insurance program, signing up millions. Predictably, California’s troubled health insurance exchanges quickly went broke in spite of over $1 billion in federal funds. Nevertheless, the liberals in the state now have vowed to cover every illegal alient in California. The projected cost? Another $1 billion. 23

Continued from Page 11

ZALMA

connected to the physical injuries Ekaterina sustained at her grandfather’s hand. The physical injuries, though, occurred years before the Policy came into effect. There is no bridge that would bring the later-suffered emotional harm under the Policy’s umbrella.

The Policy covers “bodily injury,” but it expressly excludes from the definition of bodily injury any “emotional distress, mental anguish, humiliation, mental distress, mental injury, or any Even if Ekaterina’s abuse similar injury unless it arises occurred during the Policy out of actual physical injury to period, other issues preclude some person.” State Farm from having to defend or indemnify James. First, Recent Sixth Circuit case law the Policy provides coverage interpreting insurance contracts for bodily injury caused by an excluded from “physical injury” “occurrence.” James’ acts were any sexual abuse that did not not occurrences. Kentucky cause physical damage, like has defined “accident” as “an lacerations or bruises. There unfortunate consequence is no doubt that Ekaterina which befalls an actor through suffered emotional anguish his inattention, carelessness when she had to visit James and or perhaps for no explicable Clara’s home and was reminded reason at all. The result is not a of the abuse she suffered. product of desire and is perforce Those emotional harms were

accidental.” James’ acts were not accidental. Kentucky courts have been unequivocal on this point: “it is inconceivable that a criminal act of sexual molestation, the essence of which is the gratification of sexual desire, could possibly be an ‘occurrence’ for purposes of insurance coverage.” Thompson v. West Am. Ins. Co., 839 S.W.2d 579, 581 (Ky. App. 1992). ZALMA OPINION I agree totally with the District Court when it concluded: “Some actions—sexual molestation expressly included—are so inherently injurious, or substantially certain to result in some injury, that the intent to injure, or the expectation that injury will result, can be inferred as a matter of law.” Insurance can only provide coverage for a conditional, fortuitous or unknown event. Sexual abuse is neither. No insurer should be forced to provide defense or indemnity for such an intentional and evil act.

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WE INSURE

in Northeast Florida – and We Insure will be well on its way to becoming a national premier insurance franchise!

GROWS

September was a big month for We Insure. The company CEO, Phil Visali, was also recognized as Salameh: Making money! Just Northeast Florida's 2015 Ultimate kidding. Aside from the business CEO in the Jacksonville Business aspect, We Insure has such a Journal – and he couldn't different culture than I've ever hide his excitement about the come across. Chris Salameh They treat their partnership if he partners & tried! Visali stated, employees like “Chris is not only a family – and fantastic insurance that's something agent with an you can both see outstanding and feel when multimillion dollar you walk into one AND profitable of their offices. agency, more Being a part of importantly, he something like is a team player that is really and understands important. The that if he wants to only competition grow his agency they have within to the mega size Megan Null the company is level, he needs to We Insure friendly. When I Franchise Territory Mgr. be part of a larger was in training at megan.null@weinsuregroup.com entity that fits his their main office culture. Lucky for (904) 874-4291 I heard someone WE, his culture www.weinsuregroup.com/ franchise say “There's no is our culture 'I' in TEAM – and and he is now there's no “I” in WE, either.” I think the newest member of the WE that kind of mentality is what Family! I couldn’t be happier really makes a company go far. about Chris and his team joining our organization!” Q: Where do you see your agency, and We Insure as a whole, within We Insure is on a constant lookout the next few years? for motivated insurance agents who want to learn more about Salameh: If things keep going their franchise opportunity. Want as planned, my agency will be to hear more? Contact Megan the most well-known agency Null today! www.underwritersinsider.com

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“The Final Authority on Everything!”

ADVISOR

Minimum Wage Increase favor of such a move are bogus Minimum wage is, and should as usual, with the most outrage remain, an entry level wage = Maximum Mistake

and emphasis placed on the fact that you can’t raise a family of four on the current minimum wage. That, of course, is true. And you can’t drive on the interstate with a golf cart either.

’m curious as to your position on the movement to double the minimum wage. Seems like just a another nearsighted liberal policy destined to hurt those it promises to Minimum wage was never help. B.G. Memphis, TN intended to be sufficient for the bread winner of a family There are few places in our nor was a golf cart designed to consumer driven marketplace operate on the interstate. If you where government dictates have a family of four and are to the consumer rather than still earning minimum wage the producer. Yet if you are you have problems we are not the consumer of labor, an going into here. employer, you may soon be having a city, state or federal bureaucrat telling you that you must pay twice as much to hire the same individual as you are paying today.

paid to unskilled workers just entering the workforce, while the movement to double it is simply another act of liberal pandering where unearned freebies are promised in exchange for votes. (It’s hard to vote against Santa Clause...) Yet the movement to double the minimum wage, like so many liberal initiatives, has the potential to have catastrophic consequences on the economy See Minimum Wage - Pg 37

In July, several liberal members of congress introduced a bill to more than double the current minimum wage of $7.25 to $15 per hours. The city of Seattle has already approved a $15 minimum wage to take effect April 2016. The Progressive (Democrat) arguments in www.underwritersinsider.com

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Registered Customer Service Rep 4-40 Palm Beach County

Experienced Registered Cus-

FREE CLASSIFIED RULES: Submit all ads online at: www.underwritersinsider. tomer Service Representative 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!

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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.

Outside Biz Ins Rep Needed - Can Be Home Based

Local Tri county ins agency needs help with local biz ins clients all over south fla. Pls email resume to jdr33433@gmail.com. Compensation based on experience and all expenses reimbursed. You need us and we need you! 15-7

Florida Agents with 2-20 License for Palm Harbor Want to work in an exciting work place? Looking for a career and not just a job! We pay higher commissions then the standard industry offers. We are expanding our independent Property and Casualty Insurance agency in Palm Harbor, FL and currently seeking highly motivated professional people who hold a Florida 2-20 insurance license to join our sales team. Contact: gary.s@insurancesolutionstb.com

Experienced 220/440 PL CSR Wanted-Apopka,FL

Experienced 220/440 licensed CSR wanted for busy personal lines dept. Must have Clear speaking voice and excellent communication skills. While working in a team environment required to manage individual book of business for servicing and cross selling. AMS360 knowledge a plus! Bilingual English/ Spanish a plus! Excellent benefits provided! Send resume to mail@gentryins.com or fax to 407-886-9530. 15-8

CSR WANTED Deerfield Beach, FL Established office seeking 440/220 licensed CSR. Family owned business that treats employees as family. Work for a successful office. fax resume 954/427-9065 15-6

15-3

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Property and Casualty Agents Wanted Looking for self motivated agents in the state of FL. Contact:info@insurebenefits.com

15-1

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4-40 Wanted Bilingual English / Spanish with experience, to work in Lake Worth, Palm Beach, excellent working conditions requested. Angel 561-755-2586. 15-4

Personal Lines Producer Destin, FL Area Wanting an experienced self motivated producer for this high end area. Don@mcmahonhadder.com 15-3

Entrepreneurial Underwriter

Entrepreneurial, qualityfocused, P & C underwriter and marketing person seeks part time or full time employment. I bring knowledge, team spirit and enthusiasm to the job. I can work from my office in Cocoa or your office in the Orlando area. Contact cee42@aol.com 15-3

Experienced Personal lines CSR Wanted St. Pete FL Looking for a self motivated, ambitious inside sales account rep, 2-20 lic., may consider 4-40 for full or part time, duties include quoting and servicing accounts and account rounding for Business owners, Workers Comp, General Liability and other lines of business Established agency since 1958 Contact: rbozeman@bozemaninsurance.com 15-4 The Underwriter’s Insider

220 Needed for Outside Sales!!

Experienced Commercial Agent Boca Raton, FL Area

Experienced and Licensed Insurance CSR

Local South Broward county ins office needs an outside licensed producer. Can work from home and office. Must have experience writing comm lines policies. Very high compensation package. Send resume and cover letter today! florida.firstins@yahoo.com

We are a family owned and operated General Lines Agency located in Boca Raton since 2002 looking for an experienced Commercial Producer. We have access to ALL commercial standard and excess surplus markets at the MOST competitive premiums. You: local success experience, a self starter and ethical. Flexible commission splits, start up assistance, long term minded. 561-305-9599.

Large, independent property and casualty insurance agency located in Lake Mary, Florida is seeking 220, 2044 or 440 licensed and experienced customer service representatives. We represent over 40 insurance carriers. Great written and verbal communication skills are required.

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LICENSED 220 WANTED-FLORIDA INDEPENDENT LEAD GENERATOR FACE TO FACE OR PHONE CONTACT-COMMERCIAL & PERSONAL LINES-COMMISSION ONLY POSITION-50% NEW BUSINESS,25% RENEWALS-MUST HAVE OWN E&O COVERAGE-SERIOUS INQUIRIES ONLY. APPLEINSURANCE@MSN.COM 15-2

Experienced CSR Wanted - Louisville Kentucky Insurer specializing in personal jewelry coverage seeks CSR. Job includes processing applications, giving quotes & issuing policies. Must have agency CSR experience, good phone presence, and hold an Ins Property license. You should also have an interest in jewelry. Computer keyboarding skills & working knowledge of MS Office are crucial factors. Agency Management systems experience is a plus. 15-2 www.underwritersinsider.com

15-6

EXPERIENCED AUTO INSURANCE AGENT EXPERIENCED AUTO SALES PROPERTY AND CASUALTY 220 AGENT SEEKING PROFESSIONAL AGENCY WHO APPRECIATES A WELLROUNDED SALES AGENT WHO IS EXCELLENT IN SALES AND VERY METICULOUS WITH RECORDING MEMOS AND HANDLING PAPERWORK. MUST HAVE A WARM AND FRIENDLY ATTITUDE AND BE CONCERNED ABOUT THE CLIENTS NEEDS. 15-2

$30k salary plus monthly bonus and excellent benefits. Check us out at www. TheFIS.com 15-3

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Purchase Retiring Agency (or merge) South Florida Purchase (or merge) a retiring agent’s or agency’s book of business in Palm Beach, Broward or possibly MiamiDade County. We prefer Homeowner and Commercial accounts. We have MOST Standard contracts. Must have demographics and performance history for last 5 years+. Flexible terms offered, possible partnership as well. Call 561-305-9599. CONFIDENTIAL 15-6

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2-20 or 20-44 Wanted-Miramar FL Send resume to timinsurance1@yahoo.com, fax 954404-7234 or visit us 6590 Pembroke Road Suite B., Miramar, FL 33023 15-2 29

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

Florida 2-20 or 4-40 Agent Hialeah Small agency has an opening position for a commercial lines agent with homeowner and auto insurance knowledge in Hialeah Fl 33018 15-2

Producer/Brokers Wanted: Nationally USG Insurance Services, Inc. is a national wholesaler and MGA seeking experienced commercial E&S Producer/ Brokers for multiple locations. Mandatory E&S insurance experience, only those with a proven track record in sales should apply that are self-motivated, team players. Find out more about the position and how to apply at www.usgins.com under Careers. 15-3 30

OK - LIGHTEN UP FOR A MINUTE Cont’d... AND WATCH S. Florida Hialeah Area THIS UNIQUE 2-20 / 4-40 Needed PROMOTION Opening position in small Hialeah agency for a CommerUSING cial line with personal line knowledge, fluent in English SOME TECH and Spanish. Send your resume to customerservice@jonWIZARDRY rayinsurance.net 15-3

Experienced Licensed CSR Wanted Ft. Lauderdale Agency needs experienced 440 licensed CSR for renewals/ sales. Renew policies upon expiration dates; obtain information to determine coverage changes/requirements, and binding. Quote to shop renewals. Prepare/provide information to insureds using verbal and written communications. Cross-sell opportunities for auto, life, and flood. Fax resume to 561948-4582 or email to ahart@ accessaip.com. 15-3

2-20 Agents & Producers Wanted - FL & GA We Insure Group, Inc. is one of Florida’s ‘Fastest Growing Companies’ and is looking to expand even more! Currently seeking new Agency Owners in Central and North Florida, as well as, experienced Producers throughout the entire state! Please Contact: We Insure Group Franchising franchise@ weinsuregroup.com 855-483-3901 15-3

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The French restaurant Le Petit Chef came up with an original way to entertain guests while waiting for your order - using a projector on the ceiling, and the animation on the table there is a small chef who prepares on your plate. And at the same time it makes a good laugh. A great way to cheer up. Creative, beautiful and interesting idea. WATCH THE VID!

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A Truly Refreshing Change From The Obama Race Rhetoric

SAY need to de-emphasize race. And we WHAT? ”We need to emphasize respect. I think we’ve actually regressed with this administration and

Notable Quotes You May Have Missed!

This Time, We Fully Surrender

“

The Democratic Party has been weakminded on defense for decades, but with the Iran capitulation, they’ve achieved a new threshold of cowardice and treachery. Democrats have long tended toward appeasement of aggressors. Throughout the Cold War, they scared themselves (and everyone else) silly conjuring specters of nuclear holocaust. Democrats rejected the insight of Ronald Reagan, Margaret Thatcher and Columnist others that the surest way Mona Charen to prevent war was “‘peace through strength.”’ Reagan was regularly accused of courting Armageddon because he described the Soviets accurately (something liberals were too intimidated to do) and because he declined unilaterally to disarm. The dumbfounding reality is that the Democrats have never acknowledged that Reagan’s approach succeeded. Instead, with Iran as our chief enemy now, they hope to replay the Cold War so that this time, we fully surrender.”

its emphasis on race, because it emphasizes race to indicate that things are not progressing well. And that just isn’t true. A lot of people perceive everything through racial eyes. But my point is, we don’t have to do that. What we have to do instead is begin to see people as people.” Dr. Ben Carson, world-renowned neurosurgeon and 2016 presidential candidate on a stop in troubled Fergusan, MO offering a true solution to the deep racial divisions in our country ignited, in large part, due to the incendiary dialogue coming directly from the White House. While Obama was to be the “post-racial president” and the Dr. Ben Carson “great uniter,” in fact he has generated more racial animus by his words and clear racial bias than this country has seen since the 1960s.

A Real War Against Women And Progressive Hypocrisy

“

No one subjugates me.” “I am my own Political analyst and author Mona Charen prophet.” reacting to Obama’s unbelievably weak Iran deal ostensibly purposed to halt Iran’s rush to nuclear The words inked across the bare chests of two capability - while any analyst can readily see brave French feminist activists as they burst onto we’ve completely caved to the American-hating the stage at a Islamic conference where a couple Islamic republic. 32

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of fundamentalist Muslim clerics were discussing the issue of “whether wives should be beaten or not.” The Islamic audience, mostly males, went berserk with shouts of “dirty whores” and “kill them” as they were attacked, knocked to the floor, kicked and dragged off the stage where they were rescued by police and later released. It is surely one of the great political mysteries of our time how American feminists, liberal Progressive Democrats all, who go into shock on learning that a law student must pay for her own birth control pills, are stone-cold silent when Watch The Vid it comes to the brutal Islamic subjugation of women across the globe. In fact, it’s the Conservatives, with their supposed “war on women” that have continuously and consistently spoken up for the millions of women raped, beaten, mutilated and held down by Islam.

the “Progressive” leftist faith: anti-Americanism and cultural relativism. No culture can be said to be better than any other - unless it is American culture, which is always fair game for derision and ridicule. But to criticize any Third World culture in general - and an adversary culture in particular - is to surrender the political cause and faith.

Brilliant Young Black Man Goes Off On President Obama

“

When Kate Steinle was gunned down by an illegal immigrant, you didn’t do anything. You didn’t even call the family. You didn’t invite them to the White House. To go a little further, Mr. President, when cops are gunned down, you don’t invite their family to the White House. But when a Muslim kid builds a clock? Well, come on by! What is this world you are living in? Mr. President, what are your priorities here? I’m sick & tired of it and I think the American people are too.”

C.J. Pearson, in reaction to Pres. Obama using a Muslim kid as a political prop, inviting him to the White House after the kid stripped a digital clock of it’s case, placed it in a metal briefcase, made it look all the world like a bomb and then took it to school - where he was wisely detained by police And Here’s Why: until it was determined the device was safe. Many feel it was a stunt by his Muslim activist From a recent article from Jamie Glazov in father and the father is now suing. WATCH VID! FrontPageMagazine.com: It’s all very much understandable and expected, of course: it is politically correct and cutting-edge to scream with moral indignation about a woman’s right to an abortion in the West, but to actually care for - and come to the public defense of - the female victim of a gang-rape committed by Muslims is unthinkable. This is so because admitting the Muslim rape epidemic, and the theology and institutions on which it is based, and denouncing it, would violate the central code of www.underwritersinsider.com

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Continued From Pg 27

MINIMUM WAGE

Articles in the San Francisco Chronicle and East Bay Express have chronicled price increases far beyond the level predicted by the Berkeley team, as well as business closures in the city’s Chinatown neighborhood.” according to minimumwage. com.

while hurting those entry level workers it promises to help. Take those businesses, fast food restaurants for example, where the balance of their labor costs are minimum “Say you have worked wage - and one at McDonalds for four of their largest years and have finally made it to the Ass’t business expenses are the cost of Manager level - with a pay rate of $15. Now labor. a new-hire with no

Surprise, surprise. Another liberal feel-good theory bites the dust. Most studies commissioned by proponents experience, no time on of a doubling of The shift to double the job is making the that cost is going exact same wage that minimum wage looked to have tsunami you’ve worked so hard have only at the costs to achieve. What’s like effects on the income the effect of this? You associated with are going to demand upgrading the statement of that a raise and your pay of current business, forcing employer will have to level costs up and comply if they want to entry jobs out. In the keep you. Now you are earners. Yet it case of Oakland, making $21 per hours - seems the biggest CA where the same as your manager. unintended consequence of minimum wage Your manager is not a non-market was raised to happy. He’s worked there 8 years to get to $12.25 after a $21 per hour. Naturally, driven mandated doubling of the committee of he wants a raise too! entry-level wage liberal academics will be the “trickleat UC Berkeley promised there would be no up” pressure felt by employers significant negative economic and other non-minimum wage impact. In fact, “Subsequent earners. Say you have worked press reports, however, at McDonalds for four years suggest that the costs have and have finally made it to the been anything but negligible. Ass’t Manager level - with a pay www.underwritersinsider.com

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rate of $15. Now a new-hire with no experience, no time on the job is making the exact same wage that you’ve worked so hard to achieve. What’s the effect of this? You are going to demand a raise and your employer will have to comply if they want to keep you. Now you are making $21 per hours - same as your manager. Your manager is not happy. He’s worked there 8 years to get to $21 per hour. He wants a raise too! And so on up the pay grades - an extraordinary economic disruption and an extraordinary increase in cost to the employer - to be past on in the form of increased prices or closed businesses and lost jobs. While liberals love to talk about “fairness,” their policies, when applied, seem anything but. As usual, it’s never about results. It’s about intent. If a liberal policy starts with a good intention, then awful, even catastrophic, results must be forgiven. Now if it’s the poor you’re concerned with, rather than high school kids and youngsters still living home with mom and dad, consider this study by Wm. See Minimum Wage Pg 40 37

Experts and Consultants for Insurance Disputes 4441 Sepulveda Boulevard Culver City, California 90230 310-390-4455 zalma@zalma.com http://www.zalma.com

Consultation from Zalma Insurance Consultants (ZIC) can save you or your client thousands of dollars in the defense or prosecution of an insurance dispute. ZIC provides expert advice and counsel insurers and plaintiffs’ counsel find indispensable. Consultation from ZIC can save you, your counsel or client hundreds of hours of investigative and legal work. ZALMA INSURANCE CONSULTANTS is a service of Barry Zalma, Inc. a California professional corporation. Barry Zalma is an internationally recognized expert on insurance coverage, insurance claims handling, insurance bad faith, insurance fraud detection, the defeat of false and fraudulent claims, Barry Zalma, Esq. insurance claims handling, and the resolution of insurance disputes. As a consultant, expert witness, lawyer, author, mediator or arbitrator he serves all parties who need consultation or expert testimony on matters relating to insurance coverage, insurance claims handling, insurance fraud and the tort of bad faith. Barry Zalma founded Zalma Insurance Consultants to help resolve any insurance claim problem faced by you or your clients that do not need Mr. Zalma’s services as a lawyer. His experience and skill as a consultant and expert witness can make the difference before a jury or other trier of fact. For more than 44 years as a claims person and insurance coverage attorney, Barry Zalma has represented insurers, advised insurers on claims handling, interpreted coverages and testified as an insurance coverage, insurance bad faith, insurance claims handling and insurance fraud expert on behalf of insurers and policyholders in state and federal courts.

Expert Testimony

Zalma Insurance Consultants serves insurers, policyholders, underwriters, brokers, agents, adjusters, public insurance adjusters, lawyers and any person involved in an insurance dispute. Because he is an attorney licensed to practice law in the state of California M r. Zalma may be prohibited by California case law from acting as a consultant or expert witness and, therefore, refuses to serve in any situation where a past client of his law firm, Barry Zalma, Inc. is adverse to anyone seeking his services.

Y ou can obtain M r. Zalma’s C.V . at http://www.zalma.com and his e-book publications http://www.zalma.com/zalmabooks.htm and blogs daily at Zalma on Insurance, http://zalma.com/blog.

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just say, “OK, Google” and start talking. Google will respond to everyday questions and commands like “Did the Dow close up today?” and “Identify this song” to more important stuff like “Call Mom” or “What is and then “Manage Your Content 5,000 euros in dollars?” and Devices.”

KIM KOMANDO

How to turn off Echo: Turning off Echo is easy. Just press the microphone on/off button on the top of the unit. When off, the light will turn red and Echo won’t respond to your wake word until you turn the microphone back on. Alexa is also now a feature in Amazon’s Fire TV streaming video gadget. See how the Fire TV stacks up to Apple’s new Apple TV that includes Siri. Google Now Google Now is kind of an underdog in the personal assistant world. It doesn’t have a memorable name, and it isn’t turned on by default for every Android gadget. Of course, you can also get it in the Chrome Web browser and on Apple gadgets. However, it’s just as good as its competitors for helping you with tasks, and is often better at predicting the information you want to know before you ask. Learn how to get started with Google Now, and then find out how to get the most out of it. To use Google Now’s voiceactivated assistant feature, www.underwritersinsider.com

your iPhone or iPad, go to your Google apps. It’s a little blue box with a “g” inside it or, more recently, a white circle with a multicolored “G.” Touch your photo in the upper left corner. On some pages, like Google Now, scroll to the top of the page. Touch “Voice Search.” If the That’s cool. So, what could box next to “OK Google” has a possibly be the problem with check mark in it, click on that to “OK, Google”? Well, there’s this: turn it off. Your smartphone or tablet is listening to you right now Siri waiting to hear the words “OK Siri was the first real voiceGoogle.” Turning it off is easy, activated assistant, and over but doing that depends on the the years she’s improved a lot. gadget you’re using. In fact, she just got some new tricks in Apple’s just-released iOS Turn off OK Google 9. If you haven’t downloaded it Chrome: If you’re using Google’s yet, it fixes some critical security Chrome Web browser, or its problems your iPhone has. Chromebook computers, near the top, right-hand corner is a With iOS 9, Siri can now find button with an icon that has photos and videos based on three horizontal lines. Click that when and where they were taken. button, then choose Settings. In addition to already finding phone numbers, websites, giving Scroll down the page to “Search.” you driving directions, and many Look for a small box next to other helpful services, Siri can these words: “Enable OK Google do other things if you ask, like to start a voice search.” If the box saving links for you to read later, is unchecked, OK Google is off. such as an article on Komando. com. Android: Here’s one way to turn off Google Now from your There’s also now a setup process Android phone. Tap on the app where Siri gives you specific that says Google Settings (it’s words to say. You say things like, the little gray icon with a “g” “Hey, Siri, it’s me,” so that Siri starts inside it). Tap on “Search & Now,” to recognize your unique voice. then “Voice.” Look for “OK Google Speaking of voices, have you Detection,” and tap on that. It will most likely say “On.” If so, tap on that once, to turn it “Off.” Apple iPhone and iPad: From

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listening; you have to click the Continued From Pg 37 Windows 10 search bar to turn it on. Of course, if you want it to be always listening, you can turn on that option under the search settings.

MINIMUM WAGE

Even of Miami University and However, Cortana does have David Macpherson of Trinity ever wondered who the voice some other concerns, mainly University that found: of Siri is? Listen to my interview with her in this exclusive free podcast.

around privacy. Like other personal assistants, it has to collect a lot of information about you to be helpful. However, Like the other personal some people aren’t comfortable assistants, however, Siri is always with that, so find out how to stop in listening mode. Of course, Cortana from gathering your Apple does say that nothing you information, and other Windows say is being shared with anyone, 10 privacy settings to tweak. not even Apple, until your iPhone hears you say, “Hey, Siri.” Copyright 2015, WestStar Multimedia Entertainment. All How to turn off Siri: If you rights reserved. find Siri’s always-listening capability unsettling, there’s On the Kim Komando Show, the good news. With iOS 9, Siri nation’s largest weekend radio won’t be automatically on. You talk show, Kim takes calls and have to activate it, by going dispenses advice on today’s to Settings>>General>>Siri. digital lifestyle, from smartphones If you do activate Siri, but and tablets to online privacy and later want to turn it off, go to data hacks. For her daily tips, free Settings>>General>>Siri, turn newsletters and more, visit her Siri off. website at Komando.com. Kim also posts breaking tech news Bonus: Cortana 24/7 at News.Komando.com. Microsoft’s Cortana is the newcomer to the personal digital assistant world. Originally it was only available on Windows Phone smartphones, so not FREE many people used it. However, CLASSIFIEDS! it’s now built into Windows 10, available as an app for Android HELP WANTED — POSITION and Apple, and Microsoft is WANTED 4 — SALE ITEMS trying to bring it to your car. By default, Cortana is not always 40

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“...wage mandates have a disparate impact on minority groups. Using a dataset that spans almost 20 years and contains 600,000 observations, the authors find substantial disparities in the employment consequences of a higher minimum wage. For instance, each 10 percent increase in the minimum wage is found to reduce employment of young, lesseducated white males by 2.5 percent; by contrast, a 10 percent increase reduces employment for black males in this group by 6.5 percent. For this vulnerable group, the impact of the 40 percent federal minimum wage increase between 2007 and 2009 was found to be almost as harmful as the impact of the Great Recession.” But liberals know that facts don’t win elections. Slogans like “wage fairness” and “wage inequality” do. Frankly, they should be ashamed. The Underwriter’s Insider

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the major flaws in this poorly crafted and implemented law for years, forget that Senator Max Baucus, considered to be one of the primary architects and worker contributions are of the law has referred to the included. The tax is decidedly PPACA as a “trainwreck”, we can punitive. The tax applies to be sure that Ms. Clinton will do every dollar above those all she can to have it appear to thresholds. Like a cliff, the be her idea that the Cadillac dollars are taxed at a 40% rate. Plan Tax is a bad idea. It is, but What’s more, the tax is not Hillary Clinton is hardly the first deductible by the employer.” or unique in realizing that and wanting it repealed. The Hillary Clinton campaign is busy working to make up A final note: I am a fairly recent for Ms. Clinton incurring the transplant to Palm Springs, disfavor of many unions in CA, having lived most of my her coming out against the life and enjoying my career Keystone Pipeline, a source for in Seattle, WA. In 1993, when many Union Jobs, and Richard HillaryCare was defeated and Trumka, president of the AFL- not implemented in all but CIO has already announced that a couple of states, WA State he will walk with Vice President was made a victim of that Joe Biden in the Labor Day destructive Health Care law. Parade in Pittsburgh, PA. Between the years of 1993 and 1995, when we repealed As Hillary’s polling numbers HillaryCare and replaced it continue to plummet due to with the “Health Care Reform her email scandal causing a Improvement Act of 1995”, we major loss of trust with the had hundreds of thousands Democratic Party voters, and of individuals who could not pressure mounts for Biden get any individual health care to join the Democratic Party coverage, period. race with Obama’s blessing, it becomes more obvious The insurance carriers that that HRC will do what she had been offering excellent can to garner the attention benefits chose to leave the and approval of her party’s state rather than go broke. electorate. HillaryCare was a foolish and very poorly written law, and the What better way than to take most vulnerable victims were on ObamaCare? Nevermind the citizens of Washington that the GOP and even some State, just as the citizens of of the major architects of the America have been made the UnACA have been pointing out victims of ObamaCare. The last

OBAMACARE

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thing America needs is another Democrat in the Office of the Presidency, bringing even more harm to the American People. Any interested in reading about the debacle of HillaryCare in WA State will find interesting reading here: “What Washington, D.C. Could Learn from Washington State on Health Care Reform”. [HERE] More interesting reading on Hillary Clinton’s Cadillac Tax proposal by the Washington Post: “Washington Post: Hillary Clinton flunks health-care test” [HERE]

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