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 →


We talk often about the importance of life insurance. Proper life coverage guarantees that the policy holder’s loved ones receive enough financial compensation to cover leftover debt, medical costs, and any final expenses. And it’s a supplement to help keep the family afloat financially without the policy holder’s income or ability to provide childcare, etc. But for the parents and/or guardians of special needs children, the importance of life insurance coverage is underscored. With recent advancements in medicine and technology, special needs children are often outliving their parents, guardians and/or care givers. Published in the April 2018 edition of the... Read more →


As Women’s History Month comes to a close for 2019, it is a good time to reflect on both how far women have come and how far they go…alone. The rise of the solo female traveler is a somewhat recent phenomenon but one that steadily climbs. Solo travel has become increasingly popular. Mintel’s 2018 Solo Traveler Report showed that 17% of adults reported they took a vacation on their own within the last five years (15% were completely solo trips without a travel group). This shows a two percent increase in solo travel from the year before. Though it may... Read more →