Odds are 1 out of 5 that your auto will be damaged in an accident.*

*2015 Field Guide, National Underwriter

Odds are 1 out of 96 that you will have a fire.*

*2015 Field, National Underwriter

Are you protected?

Healthcare Reform

Federal Marketplace / Exchange

http://www.healthcare.gov

Definition of full-time employee

http://www.irs.gov/pub/irs-drop/n-12-58.pdf

90-day waiting period limitation

http://www.irs.gov/pub/irs-drop/n-12-59.pdf

Affordability

http://www.irs.ustreas.gov/pub/irs-drop/n-11-73.pdf

Minimum value

http://www.irs.ustreas.gov/pub/irs-drop/n-12-31.pdf

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