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Title Summary:

We take information security seriously. Some of the information used in the website in sensitive and we use encryption for data at rest and in motion along with a number of other ... more

Two Buckets of Insurance

Insurers spend billions of dollars a year on advertising, and there's a heavy element of 'we have low prices' in much of it. Most consumers shop infrequently with 2 or 3 insurers for home, ... more

Uploading PDFs, Photos etc

We strive to make it easy and secure for you to input information and get customized insurance ideas. The fastest way to input information is to upload PDF documents or photos for auto, home, ... more

Bnie Api for Insurers, Agents and Portals

The Bnie Api for insurers, insurance agents and web portals focusing on insurance was first released in 2016.  It allows end user data to be imported and updated in the bnieinsurance ... more

Bnie Api Management Studio

Bnie is pleased to announce the general release of its tools to create and manage customized insurance ideas for insurers, insurance agents and portals. These tools provide the ability to ... more

MyInfo Hints As you enter information in MyInfo, start at the top and work down. Things turn green when you've made progress in each category. For auto insurance, you'll create the autos first, then you'll ... more
Insurance Hot Air

The objective of the game is to pop the bad insurance hot air bubbles by clicking on them. Bad insurance things show up after the fact as red debris and increase your ... more

Qualified annuity

An annuity purchased with pre-tax ... more

Qualified Longevity Annuity Contract

Introduced by the Obama administration, a QLAC - annuity can be funded by taking money from a qualified plan 401-K etc. The funds are removed from RMD calculations, there is no death benefit ... more

Insurance Games

Bnie Insurance Hot Air when played by a user who is logged in and has generated a set of customized ... more

What's In My Policy - Homeowners

Finding out what your homeowners insurance policy covers isn't easy.  Most auto insurance policies are very similar and you're probably not missing much by never reading one, ... more

Shopping with the right sellers

Most people find dealing with insurance and shopping for it to be a painful experience, which is why the most profitable customers that insurance companies have are people that haven't ... more

Auto liability

Auto liability coverage provides protection against damages that a court may order you to pay as a result of an auto accident. As an example, if you are in a collision with another vehicle as ... more

Bodily injury liability

Auto bodily injury liability provides protection against legal action involving injury or death to others in an auto accident. The coverage is normally provided with two limits of liability, ... more

Property damage liability

Auto property damage liability provides protection again legal action involving damage to the property of others in an auto accident, perhaps a damaged fence at the scene of an accident, or ... more

Auto medical payments

Auto medical payments coverage (med pay coverage) provides payments to household members injured in an auto accident without regard to who was at fault in the accident. If the household has ... more

Personal injury protection

Personal injury protection (PIP) is required in some states and not others. PIP coverage protects the occupents of a vehicle against medical costs as a result of injuries, and various other ... more

Uninsured/underinsured motorists protection

Uninsured motorists bodily injury coverage provides protection if you are involved in an auto accident with another vehicle lacking auto insurance that is at least partially at fault for the ... more

Auto physical damage

Auto physical damage coverage provides coverage for damage to your vehicle. It has two main components - collision, which mostly provides protection when your vehicle is damaged in an ... more


Comprehensive coverage (also called 'other than collision') covers things like theft and your car catching fire because of a malfunction in the cooling system. Confusingly, it can also cover ... more