Category Archive for : ‘Farrell Backlund’

Today’s insurance climate is changing rapidly. Society’s increased need for 24 hour “on demand” service is helping to shape more of a self-service industry where clients can buy, cancel, and make changes to their policy at 2:00 am while channel surfing on their couch. Companies toting premium savings in fifteen minutes or less and twenty-four hour service are very appealing to a time-strapped society where multi-tasking has permeated all aspects of life. This new era of speed and convenience seems great, but who is it really helping?

The answer is most

This week we are pleased to share a blog written by a longtime friend of the agency, Seth Denson of GDP Advisors out of McKinney, TX.  Tom Rogers, FBinsure’s SVP of Sales, took a few moments to share his thoughts about our guest blogger and his partner John Powter, both of whom have been business resources and friends to Tom for some time.

Tom Rogers: “I found in my career that the more I surround myself with really talented people, the better off I will be.  We have tried to live by

With the winter winding down chances are that you had one or more insurance claims arise. Maybe it was a slip and fall, or a plow truck accidentally hitting a curb or maybe it was one of your employees getting injured on the job. This is why you have insurance. But how are these new claims viewed by your insurance carrier? How will they affect your premium?

When an insurance claim gets processed the carrier will attach a reserve amount to it. A reserve is the amount of money the insurance

Auto insurance is expensive.  For newly licensed drivers it can be very expensive.  Every newly licensed driver has visions of driving the latest sports car fresh off the lot to school, college or work.  However, they do not have visions of the financial responsibility it brings.  I have quoted many an auto policy for inexperienced operators and listened to the raw emotional reaction to the premium, whether it’s the young driver or the parents of the driver.  Auto insurance for new vehicles and with a new driver can cost around

The question of whether or not to purchase title insurance is one that we often get asked as insurance agents. The answer is quite simply….YES.

Title insurance is a policy that protects against financial losses due to defects in the titles of real property, which will render mortgage loans invalid. There are two types of title insurance that can be purchased: owner and lender.

An owner’s title insurance policy protects the purchaser of the property from any and all title defects. This policy will respond if it is found out in the

Did you know that if you purchased all the gifts mentioned in the “12 Days of Christmas” song this year, according to the PNC Christmas Price Index, the holiday gifts would cost a total of $34,363.49?! That’s quite the price tag! Now, I’m pretty sure many of those gifts listed in the song probably didn’t make it to the top of your Christmas wish list, but did you know a lot of the gifts you did receive may not be covered on your existing renter’s or homeowner’s policy?

What if you

The battle lines have been officially drawn.  The war has ensued between direct insurance writers and Insurance Agents and the proverbial Paul Revere has long taken his proverbial ride announcing “the direct writers are coming!”  While the direct writers primarily focus on price, the independent insurance agents are able to bring far more to the table.  Working for one of the best Independent Agents in Southeastern Massachusetts, here are what I consider to be “The Distinguishing 5” benefits of working with an Independent Agent.

Claims Advocacy – The single reason you

If you have ever driven by or been in an auto accident most likely you’ve also seen an ambulance on the scene carting the injured parties off to the hospital.  As you take that ride in the steel stallion, did you ever think about who is responsible for your medical bills?  Who will pay for them if you are involved in a serious auto accident? Many of us assume that our health insurer will be the only call however, did you know that your auto insurance will help cover your

Thanksgiving Dinner!  What is typically referred to as the Smorgasbord is now done and everyone has splintered off into their own little sections.  Some watch the traditional football game while dinner settles in along with the infamous Tryptophan Turkey Coma!  So commences the sounds of family chatter, children playing, football, snoring and holiday themed music which are all a culmination to one unmistakable confirming fact; that Christmas is around the corner!

Then it’s “Go-Time;” the day you’ve been waiting for since last Thanksgiving. You’re ready to shop like a pro!  That

In my last blog “Did Prince have Life Insurance?” I broke the unfortunate news that everyone is going to die at some point.  If you are a young, healthy individual then death will be the furthest thing from your mind and it should be.  Thinking about death on a daily basis is no way to live.  However, as a licensed Life and Health insurance agent I deal with this reality (thankfully, for people other than myself) on a daily basis.  Life insurance, as unpleasant a reality as it represents, is