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Robert Fowinkle - Articles Bob received his Certified Insurance Councilor (CIC) designation in 1975 as a member of the first graduating class of CIC\'s in Florida. He received his Chartered Life Underwriter (CLU) designation in October 1984.
Bob served six years as State Chairman of Risk Management for the Florida Kiwanis organization. He is Past President of the Professional Insurance Agents of Florida and currently serves on their board. As a Florida Department of Insurance approved instructor he taught various advanced and intermediate continuing education courses to members of the Professional Insurance Agents of Florida. Bob has taught insurance courses in Florida, Puerto Rico and other states to agents seeking the Certified Insurance Consoler (CIC) designation through the National Alliance for Insurance Education & Research. Sort By: Date | Popularity
 Refunds For Dirt Insurance or Refunds For Over Insuring - FLoridaDuring the recent boom and bust of the real estate market there has been wild fluctuations of appraisal values relative to the housing market place. This activity created a climate for many new mortgages and refinanced mortgages. Inside Your Life Policy - FloridaLife insurance policies are legal contracts. Policies with cash values have a valuable section inside called “Non-forfeiture values”. These are choices within the life insurance contract. Flood Policy Requires 2 Acres To Be Covered - FloridaSince we are in the hurricane season now is the time to review your flood insurance policy. Everyone should know your homeowners policy does not cover flood losses. Estate Planning - Key Tax ChangesTaxation of property transfers at death can be traced back to ancient Egypt as early as 700 B.C. Nearly 2,000 years ago, Roman Emperor Caesar Augustus taxed estates of the wealthy at death.
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