Tobacco Surcharge: Smoking Just Got More Expensive

The Cost of SmokingOne of the factors used to determine health insurance premiums under the Affordable Care Act is tobacco usage. Being a tobacco user could significantly change the cost of a health insurance policy. Through the Affordable Care Act, insurance companies can charge up to 50% higher premiums for smokers, however states can and in some cases have reduced or eliminated this surcharge.

For more information on the tobacco surcharge visit MSN ( and for any questions regarding health or other insurance, contact TMIB at 310-828-9662.


Insurers Roll Out Ridesharing Policies

rideshareWith the popularity of companies such as Uber, Lyft, and Sidecar, many people are becoming rideshare drivers.   Auto insurers have come to the realization that the ridesharing boom isn’t going away any time soon and are starting to create policies to cover the rideshare drivers and clarify the many insurance gray areas. This is important for drivers and passengers alike

For a breakdown on the current state of insurance protection for ridesharing drivers visit MSN ( and for any auto insurance questions, be sure to contact TMIB at 310-828-9662.

When Dogs Bite, Home Insurers Pay Average $32,000

angry dog teeth 1Fido might be man’s best friend and an integral part of the family but each year our canine friends cause more than one-third of all home insurance claims. Even though the average number of dog bite claims decreased in 2014, the average insurance claim cost of a dog bite claim has increased to $32,072.

For more information on dog bite claims in California visit the Insurance Journal ( and for questions regarding all of your home insurance, contact TMIB at 310-828-9662.

Health Insurer Won’t Pay

insurance policy with penYour health insurer may deny coverage you thought would be covered and/or decline to cover a specialist.

For some tips on how to help keep your costs down and your claims from being denied, visit MSN’s “When Your Health Insurer Won’t Pay” ( and for any questions regarding your health insurance please contact TMIB at 310-828-9662.

CA Traffic School for Bicycle Violations

riding bike city streets 1A new bill presented to the California Assembly would allow people cited for bicycle violations to reduce their fines by attending a new type of traffic school.

To read a full breakdown of the bill, visit StreetsBlogLA ( and for any questions regarding your insurance policies, contact TMIB at (310) 828-9662.


Red Nose Day

Red Nose Day TMIB 2015On May 21st, the inaugural Red Nose Day will be held to raise money and awareness for young people living in poverty. Money raised from this event will go to the Red Nose Day Fund and be distributed through grants to charities benefiting people in the United States and across the world.

There will also be a televised event the evening of May 21st.  To learn more about how you can participate, visit or to donate directly visit


Do you really need 10x your salary in life insurance?

Life InsuranceIn the past, we’ve touched on the question “How Much Life Insurance Do You Need?”. The old school rule of thumb was that it should be somewhere between five to 10 times your salary, but it really does depend on a few factors including:

– How much salary will you be replacing at home?

– Would the amount of the life insurance lead to enough interest to live on?

– What are the ages of your dependents?

To read the full article “Do You Really Need 10X Your Salary in Life Insurance” visit LifeHappens ( and for all of your life insurance needs, contact TMIB.


50 States of Speeding

Speeding CarFamily vacations and spontaneous road trips can be a lot of fun! However, before you pack up the car and hit the road, be aware that speeding laws can differ in each of the 50 states. Thankfully, MSN put together a breakdown of the speeding laws from state to state.

To see the full breakdown read MSN’s “50 States of Speeding: Laws for Every State in the U.S.” ( and for any automobile insurance questions, contact TMIB at 310-828-9662.


7 Facts about George Washington Carver

peanut butter Did you know that March is National Peanut Month?

What once started out as Peanut Week in 1941 grew to an entire Peanut Month celebration in 1974. The month not only celebrates one of America’s favorite foods, but also George Washington Carver, who was dubbed “The Peanut Man”. Usually the textbook coverage on Carver ends there, but he lived a full and fascinating life of studying clays, seeds, and legumes.

To learn more about “The Peanut Man”, visit Biography’s “7 Facts on George Washington Carver” ( For your insurance needs, be sure to contact TMIB.


Pi Day

Who wants some Pi?

On March 14th, 2015 the calendar will reach a fun once-in-a-century mathematical occurrence. Not only will the date read as the commonly known first five digits of Pi (3.1415), but at 9:26:53AM, it is actually the first ten digits of Pi – 3.141592653.

Be sure to keep that in mind on Saturday, March 14th and impress all of your friends. For more information about Pi Day, visit and for information about your insurance, be sure to contact TMIB.

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