It’s that time of year again. Holidays, family meals, presents and Long-Term Care Awareness Month. That’s right. November is Long-Term Care Awareness Month. Long-term care, and particularly long-term care insurance, is one of the most important components of a person’s financial portfolio, and yet it is one of the most commonly overlooked. Long-term care is something we only associated with the elderly and is typically pushed to the back of our minds until faced with the difficult decisions surrounding the care of a loved one. But, when we say there is ‘no time like the present’ when it comes to... Read more →


In late October, the American Bar Association’s Legal Technology Resource Center released its ABA TechReport 2019.[1] Unfortunately, the report was not good news for lawyers. The report, based upon responses from lawyers across the country as provided in the Legal Technology Survey Report, reveals that lawyers have made little progress in the past year, if not, the past few years, in protecting themselves and their practices from cybersecurity risk. The ABA’s annual survey and report explores how lawyers are using technology in their practice and addresses various areas such as online research, tech basics and security, law office technology, marketing... Read more →


The rapid integration of digital technologies into everyday life continues to create new risks and challenges that many individuals and families frequently overlook or do not yet fully appreciate. Take these two technological developments: Smartphones and the Internet of Things (IoT). While smartphone and mobile technology as a whole has put the Internet at the fingertips of a greater number of people worldwide, it also has allowed the development of millions of applications that collect and store large quantities of personal data that could easily fall into the wrong hands. Today's mobile users not only have to contend with the... Read more →


Life is unpredictable, but you and your loved ones can be prepared for the inevitable regardless of the “hows” or “whys”. Life insurance is increasingly important to protect the financial security of dependents, yet there are so many who have little or no coverage. According to the most recent 2019 Insurance Barometer Study1 conducted by Life Happens and LIMRA, 6% of American households, approximately 8 million, purchase an Individual Life Insurance policy. Additionally, 10% of households, approximately 13 million, get a minimum of one quote and 13% of households, approximately 17 million, “seriously shop” for a policy within a 24-month... Read more →


Late last Monday night (July 29), Capital One disclosed that it had been a victim of a data breach. The breach, which occurred on July 19, is estimated to affect about 100 million individuals in the United States and approximately 6 million in Canada. Below is an overview of the key details that are known at this time. The Virginia-headquartered company says that they became aware of unauthorized access by an outside individual on July 19, 2019. The hacker was able to obtain sensitive customer information, including Social Security numbers and linked bank account numbers for a small fraction of... Read more →


For many, Memorial Day is the official kick off to the summer travel season. And while travel is generally a rewarding experience, travelers remain one of the most vulnerable groups to identity theft because they are often carrying more sensitive documents than usual and can be more unaware of their environment. However, with a few precautions, travel can be safer for you and your identity. 53 percent of thefts of consumers’ identity data are “non-digital,” meaning they don’t involve — or at least, don’t start with — the thief exploiting some cyber vulnerability. Purge the Purse and Weed the Wallet.... Read more →


June 16th marks 2019’s Father’s Day - a national holiday to celebrate fathers and their contributions to their families. These occasions also provide a time of reflection on family and how to better plan for the future in order to protect yourself and your loved ones financially. A part of that planning process should include evaluating your long-term care insurance needs. What is long-term care and why is it important to plan ahead? As people age, the need for added support or services to carry out either personal or health related tasks can arise. Long-term care is defined as the... Read more →


When planning a trip, the last thing anyone wants to factor in is their plans getting delayed or, worse, cancelled. However, with so many factors impacting a trip that are completely out of a traveler’s control (from terrible weather to a family emergency) careful planning and bring your trip to an end before it even begins. This is where Trip Cancellation Insurance can come in handy to protect the insured financially should they need to cancel their trip for a covered reason. Most travel protection plans feature coverage for Trip Cancellation. In fact, this benefit is one of the main... Read more →


The American Bar Association Insurance Program is more than a set of product solutions. For this part of the #USIontheMove blog series, Travel Insurance Services sat down with USI Affinity’s Arielle E. to hear about her experience traveling in London. The year was 1776 when, as an American, my forefathers signed a letter and set out bravely into an unknown future -- one of independence from Great Britain and the royal crown. Seven years of conflict have been followed by 238 years of peace and friendship. Fast forward to today, tracing my country’s historical roots back to England is a... Read more →


Being a pet parent has its benefits, but it also has its costs, which don’t always occur to us before adopting. Consider the total cost of dog ownership or cat ownership beforehand so you can prepare and be a more awesome pet parent. Unexpected Costs We’ve laid out some costs of owning a pet that you might not have thought of. Read on to see what they are. Initial Expenses There are other initial expenses for getting a pet besides the adoption fee. Many of them are obvious, like the price of food, treats, toys, a bed, a crate, a... Read more →