The captive insurance industry has changed and continues to change.  How?  To better suit the needs of the consumer such as making adjustments and making captive insurance available to more companies in a more efficient manner, offering more and more lines of coverage.  In the end, it's still insurance. From that respect, insurance really hasn't changed.  Insured  – The person, or company the policy protects. Insurer  – The insurance company providing the protection.  The com

Change is hard.  Change for change sake is usually not appropriate; however, we see change around us, constant change.  Those who don't change get left behind. Positive changes should be considered as Growth. When there’s a better way to change, why don’t we as humans embrace it? 1.       Ignorance – Because I didn’t seek out this better way, or the better way wasn’t introduced to me by someone I know and trust, human nature becomes skeptical and often dismisses opportunities

Fruit cocktail is healthy, it has the best fruits, all combined together, it tastes great and the flavor of each individual fruit enriches and compounds the overall flavor of this fine dish.  Fruit cocktail can be eaten as a snack, for breakfast, lunch or dinner.  Fruit cocktail typically isn’t the main dish, yet it compliments almost every dish. In other words, Fruit Cocktail is versatile.  An amateur chef may just have bananas and oranges, with a touch of apples.  A more ex

Red delicious, Jonathon, golden delicious, red empire, your choice here….. How many types of apples exist? You're not going to see this many kinds of apples in the grocery store, but there are 7,500 varieties of apples in existence throughout the world—2,500 of which are grown in the United States.  The selection feels overwhelming, so we stick to what we have mostly selected in the past, selecting the type we have always selected, because that’s what we have always done. Whe