With homeowner's insurance rates on the rise, you may be looking for ways to reduce your annual premium without skimping on coverage. After all, a large portion of your net worth resides in the same place as you do.
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But there are a number of strategies you can use to chip away at your overall annual premium.

Molyneaux’s 19th Annual Trumps & Tricks Euchre Fundraiser will be held November 7, 2019, in the Starlite Ballroom at the Mississippi Valley Fairgrounds.
 
Have fun and create  memories while supporting our community! Since 2000, Trumps & Tricks has raised over $272,000 for local charities. Proceeds from the 2019 event will benefit Child Abuse Council and One Eighty.

Your support of Trumps & Tricks is instrumental in the success of this charity event, but spots fill up quickly. Download the 2019 invitation here.

Date: Thursday, November 7, 2019
Location: Mississippi Valley Fairgrounds, 2815 W Locust Street, Davenport, Iowa
Time: 5:30 PM – 9:00 PM
Cost: Individual entry for the event is $35.00

Gift certificates are awarded for 1st, 2nd, 3rd, and lowest score! There will also be raffle packages and a 50/50 drawing.
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Trumps & Tricks is more than a euchre tournament – it’s an opportunity to come together and support Child Abuse Council and One Eighty. Contact euchre@molyneaux.com or (563) 324-1011 with any questions. 

When you have business insurance policies you will often hear the terms “insurance binder” and “certificate of insurance,” but do you know the difference?

A binder is a contract of insurance. It's called a binder because it "binds" your coverage and creates an insurance contract and is used temporarily until the policy is issued.
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A certificate of insurance is a form of proof of insurance warranting that you have coverage for a specific period.

More and more employers are being overwhelmed by all of the compliance requirements associated with managing employee benefits.  

The Guardian Life Insurance Company of America's "Benefits Balancing Act" study found that 60% of employers are feeling overwhelmed with the increased complexity of managing their benefits programs. One of the main reasons for the additional burden is the Affordable Care Act, with its myriad of compliance and reporting requirements.

The employer mandate and the documentation and new filing requirements with the IRS are high on the list of compliance issues, as are evolving Family Medical Leave Act (FMLA) and ERISA requirements. 

​Dan Molyneaux, Jr. was recently was recognized for 25 years of professionalism and service excellence representing Westfield Insurance.  A leading independent insurance agent, Dan has represented Westfield since 1993. Westfield presented Dan with a  commemorative statuette to honor this milestone. 

Nonprofits usually have a certain demographic that they serve. Often the allure of a nonprofit organization is that it attracts like-minded individuals that have a passion for the cause that the nonprofit works on. And the most passionate of these individuals often become board members. 

At that point, they also enter a world of new liability should they be sued for malfeasance or making a decision that ends up affecting a third party or constituent of the organization. Any number of circumstances can lead to legal action that threatens both their financial security as well as that of the not-for-profit organization they work for.

Employers do all they can to keep their employees' health insurance and health care outlays to a minimum. And while most of the effort is focused on the upfront cost of insurance, copays and deductibles, employers are now trying to help their employees control the very costs they actually have the most control over - and one of those areas is prescription medication.

Helping employees become wise consumers of health services may also reduce overall insurance costs, as well as help employees conserve more of their own funds if they have high copays and deductibles.
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The cost of drugs can vary greatly between pharmacies. And while your employees may have low copays for some drugs, if they go to the most expensive option when the insurance is covering the tab, it basically adds to the cost drivers for your insurance plan.

It's a nightmare scenario for business owners. Employees log in to their workstations and attempt to access the usual systems, expecting to find customer reports. Instead, they find a message demanding money.

If the business wants to regain access to its software and data, it will have to pay a ransom. Until then, it is locked out. The business has become the latest victim of ransomware. 
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Ransomware is malicious software that hackers introduce into an organization's computer network to encrypt its data. The hackers hold the data hostage until their demands are met.

There are about 10 million adults over the age of 50 in the United States who provide care for their aging parents. During the past 15 years, the number of adult children providing primary financial or personal care for their parents has increased more than three times. About 25 percent of all adult children in the country today are the primary care providers for their parents. The same number is almost equal to the number of non-working adult children who help their parents.

Having a medical condition doesn't automatically disqualify you from buying life insurance. While finding coverage can be more difficult than it is for others, individuals with challenging medical histories and even severe conditions can usually find at least some coverage.