With the fall college semester in full swing, many young adults may be joining the workforce soon, or they already have. Federal law permits parents to keep adult children on their health insurance until age 26, so it’s natural to wonder when parents should take their adult children off their…

October is Employee Ownership Month and we’re celebrating the difference it makes for our employees, as well as clients. Hear what some of our employee-owners have to say:   

We often hear the frustration around receiving a renewal quote just days before the renewal date – especially when it’s unfavorable. Most insureds feel backed into a corner, with little time to create a strategy that could improve the result. Time is a critical element to achieve confidence in the…

The U.S. Supreme Court recently made a significant decision that will impact the structuring of buy-sell agreements for closely held companies. If you’re not familiar with such agreements, they are commonly used by business owners to ensure that, when one owner dies, their interest will be sold to the other…

At Oswald, we’re dedicated to nurturing growth and achieving success for our team and valued clients. Discover the key ingredients to our ongoing success.  

Insurance is a mystery to most organizations who go through the same transactional buying cycle each year. Tune in to learn the three key factors that determine a successful renewal outcome.  

With the hard insurance market continuing what may soon be a historical run, manufacturers and distributors across the country are clamoring to gain clarity and control of their terms and premiums. This hard market has many contributing factors, including rising replacement costs, capacity going down as losses pile up, and…

January health insurance renewals will be here before you know it. As the employer, you can make sure you’re getting the best coverage for your employees and avoid any unexpected costs or gaps in your insurance. Just follow these steps: Review your current group plan: Coverage and benefits: Does your current…

Premium allocation In a fully insured plan, 100% of the premium dollar goes to the carrier, which pays the claims and manages the plan. In a self-insured plan, up to 87 cents of each dollar covers claims. The remainder covers reinsurance and administrative fees. There are two types of reinsurance…