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Howell Silverman Insurance Broker Blog

Medicare

1/26/2021

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The Centers for Medicare & Medicaid Services (CMS) issued a final rule that further advances the agency’s efforts to strengthen and modernize the Medicare Advantage and Part D prescription drug programs. The changes are generally effective for the 2022 plan year and will potentially lower enrollee cost sharing on some of the most expensive prescription drugs. This final rule will allow enrollees to know in advance and compare their out-of-pocket payments for different prescription drugs. The changes will result in an estimated $75.4 million in savings to the federal government over ten years. Read More
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Regulation Best Interest (BI)

12/9/2020

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What Is Regulation Best Interest (BI)?

​When applying for life insurance, the SEC has enacted Regulation 189, aka Reg 189,  "Best Interest: The Broker-Dealer Standard of Conduct"
Regulation Best Interest (BI) is a 2019 Securities and Exchange Commission (SEC) rule that requires broker-dealers to only recommend financial products to their customers that are in their customers best interests, and to clearly identify any potential conflicts of interest and financial incentives the broker-dealer may have with those products.

The Regulation BI rule falls under the Securities and Exchange Act of 1934 and establishes a standard of conduct for broker-dealers when recommending any securities transaction or investment strategy.

Read More
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Howell Silverman Insurance Broker Blog

10/29/2020

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Welcome to our new insurance agency blog!
 
This is our very first post. We're not quite sure what we're going to write about here, but the plan is to create helpful content for customers and prospective clients about information that is relevant to you.
 
We hope you'll come to view this as a top resource for keeping your family and your finances safe.
 
Here are a few of the topics we may be writing about:
  • Answers to clients' frequently asked questions.
  • Helpful information about insurance shopping.
  • Safety and Health Tips and Ideas.
  • Local Community Information.
 
Stay Tuned!

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(516) 749-4511
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