Author: Clark Insurance

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] Feeling cold? A recent presentation at the USM Corporate Partners breakfast showcased the views of three major players in Maine’s heating industry. They addressed the price and market dynamics of heating oil, natural gas and alternative fuels. With the state’s residents experiencing a...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] As a matter of public policy, our state and federal governments have recognized that it doesn’t do anyone any good to have nursing home or in-home expenses wipe out savings intended for retirement. For example, if a husband’s stroke required extended nursing home...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] The Affordable Care Act provision to heavily tax “Cadillac” health insurance plans is scheduled to be implemented in 2018. Employer-sponsored health plans that exceed a federally-determined cost will be taxed 40 percent of the amount above the threshold. The question will be: Who...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] Though the amazing little aspirin has long been touted as a good preventive measure against heart disease, new information suggests it may have a measurable impact on reducing the risk of certain cancers. With approximately 40 thousand tons of aspirin consumed annually around...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] “Give me a one–handed economist,” demanded a Harry Truman. “All my economists say, ‘on the one hand…on the other.’” The poor president wanted clarity instead of ambiguity as he assumed a post-war economy. Today, with volatile energy prices, unfavorable demographics and income disparity,...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] The price of liability claims shows up in the cost of the products and services we buy as well as directly through insurance premiums. It doesn’t mean that premiums collected today will be paid out anytime soon. On the contrary, liability insurance is...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] When I transferred high schools, one of the first kids I met introduced himself and said “I want to be a cop.” His interest never waned and sure enough, he became a police officer and has served for more than 35 years. Some...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] Think about this. If accidents caused by distracted driving are making travel somewhat more hazardous, doesn’t it make sense to buy safer cars to protect yourself from potential perpetrators? Who hasn’t seen the driver ahead of you or one coming the other way...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] When the sleigh touches down on your roof and the jolly old soul alights on your property, is it the joy of the holidays that spring to mind or your liability and family safety? Seriously, there are eight animals parked on your roof...

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] “Shoulda, woulda, coulda” are the laments of so many who don’t have a vision or conversation about their financial future. At some point we die and leave behind a spouse or heirs. Evermore, a surviving spouse can expect to live anywhere from a...