10 tips for buying insurance in 2014

2014 marks the biggest change in health insurance since Medicare. For the first time ever, health insurance is mandatory for most Americans under age 65. The biggest change is that those people with pre-existing medical conditions will now be able to buy quality health insurance without fear of being declined, or facing a surcharge or a waiting period for pre-existing conditions that won't be covered.

Selected Works

Books
A comprehensive consumer guide to buying insurance right and avoiding coverage pitfalls. (Click on the title to find out more about what this book can teach you and to see some reader reviews.)
Web Advice Columns
View over 80 advice columns for Bankrate.com on every type of insurance.
Web Site Articles - IRMI
Jack Hungelmann compares four stand-alone Umbrella policies against each other, including the Independent Insurance Agents Association's RLI program, in terms of how they cover liability gaps not otherwise covered by Auto or Homeowners insurance.
Jack Hungelmann explains why and how agents with expertise should become personal risk managers for their clients.
Jack Hungelmann shares the umbrella checklist he uses to help clients identify liability exposures that may not be covered under primary policies but need to be covered under their umbrella policy.
Includes a case study which evaluates coverage for vacant homes in a specialty market versus a surplus lines market.
This is the third and final part of my series on comparing personal umbrella policies. The premise for all three articles is the importance to the personal risk management process of knowing the strengths and weaknesses of the umbrella policies you have access to.
Personal umbrella policies have been around for decades now—much like homeowners policies. But unlike homeowners policies, the insurance industry has failed to agree on standardized umbrella products so that agents and consumers alike know what they're buying.
This article contains the Umbrella Comparison Chart Jack Hungelmann created that he uses to compare personal umbrella policies in his agency.
A well-chosen personal umbrella policy can plug many of the liability insurance gaps of an underlying insurance program. Twenty coverage gaps are illustrated.
Details the 16 added services clients receive from Jack Hungelmann as part of the annual risk management fee they pay
Web Site Articles - American Agent and Broker
Identifies the property and liability risks that face small business owners and Jack Hungelmann’s recommendation on how to protect themselves from each of them.
Protecting yourself if your condo association raises the master policy deductible to $25,000 and makes you responsible!
Using the Pair and Set clause to resolve claim disputes involving mismatched roofing and siding for homeowners
Articles Written for Other Publications
Jack recently participated in a LoveToKnow.com interview and took time to answer a few questions about umbrella insurance.
Insurance planning advice for those with any kind of chronic illness that makes them medically uninsurable in the open market
Co-authored by 2004 nanny of the year Michelle LaRowe. Practical advice for parents in identifying and managing the risks associated with hiring a nanny.