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Cornerstone Essays

The definitive thoughts, frameworks, and analyses on modern risk.

A much bigger PITA is having your private information “hacked”, and then realizing 2FA could have prevented the pain. If you do not already use 2 Factor Authentication, your information is much more vulnerable than it would be with 2FA. Keeping track of passwords is another common PITA. Password manager utilities are a much better solution […]

  With Thanksgiving over, the New Year is fast approaching. From a personal risk management perspective, I can share there is ONE major safety risk that can be easily managed, though each day many of us willingly invite this risk into our lives – and the lives of our loved ones. Driving While Distracted is […]

As this image attests, we can invest a lot of passion and funds in assembling a wardrobe over our lifetime. Those who invest in designer garments, shoes and handbags should make sure their insurance coverage properly protects collections that often represent a significant and highly vulnerable investment. Just as with fine art, couture collections are […]

Digital investigators report an alarming increase in cyber extortion of teenagers by organized criminals based in foreign nations. Extortionists target teens, generally aged 10 to 17, initially con… Source: Don’t let cyber extortion happen to your teen

After each flooding event, the media reports on the sad plight of homeowners (too many of them) who lost everything, alleging many were uninsured for the risk of flood because “they do not live in a flood zone.” These media reports are WRONG. Everyone lives in a flood zone, the real question is how great is […]

Your lifestyle is unique, as are your insurance and risk management needs. The Partner firms of the Assurex Global Private Client Practice Group provide their clients the flexibility and responsiveness of an independent broker with the shared strength of a global partnership. As independently owned firms, Assurex Global Partners are accountable only to their clients. […]

Why is it that many insurance providers are happy to recommend a specific insurance policy without first helping consumers to examine their actual risks? Do they even care if saving you X percent in Y minutes leaves you vulnerable to uncovered risks that can threaten your assets? How can insurance providers that lure consumers with […]

Thanks largely to the skillful manipulation of modern advertising, we live in a product focused culture. With an increasingly low level of trust for the sales process, many consumers have become DIY shoppers in search of products receiving 5 star reviews in a quest to uncover the “best deal”. The powerful confluence of advertisers and search […]

In his book “Start With Why”, author Simon Sinek offers readers many insights, with none more important than this one: “If you talk about what you believe, you will attract those who believe what you believe.” Sinek’s book essentially details the research that helped him to arrive at this groundbreaking “discovery”: more important to consumers […]

As a newly licensed driver, those were the words I heard from my mother each time I left the house. While I did not know exactly just what the “other guy” was capable of, I was always on the lookout! Many I speak with wonder why the cost to insure their car is what it is […]