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How to get discounts and/or reduce your auto insurance bill? At 1 Stop Financial Service Center, our agents are always trying to help our clients get more value and better deals on their auto insurance and frankly, any insurance policies they write through us. Some key methods to reducing your insurance bills are – Bundle insurance policies. Good driver discounts Improve your credit score. Get a car that has a higher safety rating Don’t make insurance claims unless you absolutely have to. Why use a local insurance agent for your insurance? We have found that every client is unique and requires a certain level of customization, education and forward planning to set up the client for the best-case situation as it relates to risk management. And insurance policies are essentially that – risk management. A local insurance agent knows the particular laws, rules and regulations that pertain to that geographic location. Most agencies know very little about far away regions even in the same state – local environments vary. For our part we are far more knowledgeable about insuring clients and insurance policy regulations in a 100 mile radius of the Round Rock, TX area than let’s say 200 miles away. You can meet our local insurance agents face to face if needed, and work through any particular problems you need help with. An insurance agent/broker can help you with the correct paperwork, explain the coverages that suit you best and help with the claim process. Common Auto Insurance coverages Some form of liability is mandatory in almost all states. Many people get the minimum coverage to save costs. But, there are a slew of other coverages that are very important. Collision – covers your own car and property. Property damage – this covers damages to the other motorists cars (involved in the accident) and property. Comprehensive – this covers damages and replacement due to being stolen, fire or water damages. But, in some states this comprehensive coverage also includes ‘Uninsured Motorist’ and a few other coverages. What’s included or bundled into a comprehensive policy can also differ by insurance carrier. Uninsured Motorist – mandatory in many states, this coverages kicks in when the other driver does not have adequate coverage or your vehicle is involved in a hit and run accident (the hit-and-run driver is not identifiable) Car Rental Insurance – this kicks in when you need a rental car while your vehicle is being repaired. Medical Bills – covers deductibles and medical payments not otherwise covered by your health insurance or the other drivers (at fault drivers) insurance. Mandatory in some states. Our agents can help you find great auto insurance rates; we know the specific laws and nuances of auto insurance in and around the Round Rock, TX area.

...surance bill? At 1d Insurance Services, our agents are always trying to hel...

BERT Emergency Response Training: BERT International is a non profit organization that prepares business managers and executives to take care of themselves and their families during large scale emergencies until first responders arrive. The company offers online and in person training for anyone who wants to be more prepared during active shooter events, natural disasters and other emergencies that affect the workplace. Mission/Purpose: BERT Emergency Response Training's mission is to develop the expertise, relationships and tools to help you prepare for, respond to and recover from large scale emergencies.… alleviating fear since 2008 Key Facts: • BERT stands for Business Emergency Response Training. • During its training, BERT reminds civilians to: Be Calm, Evaluate and Plan, Review for safety concerns and Take Action • BERT works with business leaders and first responders to form a team approach to successfully managing an unexpected disaster or event. BERT Emergency Response Training Participant Testimonial : ...the other day I watched a wreck on I-10 where a car hit a truck and sent it out of control to where it flipped into the other lane. Your course kicked in.... Me and my guy jumped out of our truck I told him to call 911 and get that handled and I ran to the old man in the truck. A lady stopped and asked what she could do... I sent her to my truck and gave her my employee's name to ask for my first aid box. The others came up and asked, I had them directing traffic until authorities came up and I was putting bandages on the 92 year old head to stop the bleeding. Then another man came up with a medical kit and I asked if he had any training and he had first responders cert so I then stepped back and took direction from him until the medical staff got there to take him to the hospital. The old man never passed out and never complained. The rail of the truck or the strut that holds the roof bent down and scalped the old man when the truck flipped. After it was over, I thought of your (BERT) training and the fact that it all fell into place. To get training and more information about the BERT Foundation and its activities, please contact: Scott Robertson, APR Robertson Communications Corp. 949-212-7096 [email protected] http://www.bertinc.org/

Aegis offers HSA's for all types of clients: Brokers/Agents, Groups, Individuals and Health Plans. Our easy on-line enrollment portals provide the access needed to enroll and manage HSA accounts or choose our paper method. You choose! The newest choice in consumer-directed healthcare, HSAs can help you save money by giving you more control over healthcare expenses. Aegis provides the best HSA programs available; always fresh and current! View and learn more about our HSA products (4.5mb). Aegis HSA programs include everything you'll need: Free Visa® debit card for convenient withdrawals. Free Banking Online with Bill Pay Online Monthly Account statements listing contributions, withdrawals, and interest earned IRS information reports, for use in preparing your personal tax return (Form 1040) Toll-free banking assistance Toll-free telephone resource for tax-related questions. Unlimited debit card transactions with no transaction fees

Take advantage of our Claims Audit Verification program. This program may allow you to receive up to 25% commission! Claim administrators, insured, their accountants, brokers, agent, consultants, risk managers and claims managers, third party administrators and insurance carriers have dealt with the issue of reserving practices and the costs associated with the reserves. The reserve provides a charge that is hopefully representative of a reasonably accurate final cost. Losses paid are a variable factor that bears directly on the claims practice of the adjuster. Benefits of Claim Audit Verification: Demonstrate an improved loss history & facilitates underwriting history. Produce higher dividends & lower retrospective rated premiums. Results in lower earned premium audit bills. Produces underwriting profits. Verify Claim Files Handled, Adjusted and Maintained by: Commercial Insurance Carriers Independent Third Party Administrators Group Trusts State Insurance Funds Safety Groups Captive TPA’s In-House Administration of Self-Insurers Claims Audit Verification Management reduces the cost of: Large Deductible plans (Self-Insured Plans) Retrospective rated Plans Scheduled Dividend Plans Retention Plans Cost-Plus Plans Average claim is open 208 weeks. Verification Reviews for: Insured Brokers Agents Consultants Accountants Attourneys Benchmark Reviews for Carriers/TPA’s Additional Verification Applications : Premium Adjustment Reviews Dividend Statements Litigation Support Due Diligence for Merger/Acquisitions Claims Audit Verification Contact us today for more information.