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Andrew Flueckiger

Andrew Flueckiger, CIC

Writer

Andrew Flueckiger is a trusted insurance expert and certified insurance counselor who’s published over 100 articles on Finder. He brings to readers a deep knowledge and understanding of multiple lines of insurance, breaking it down into comprehensive guides and reviews to help you find the best products for your needs.

As a licensed insurance agent in property, casualty, health and life insurance in Indiana, Ohio, Michigan, Kentucky and Illinois, Flueckiger offers insurance solutions on everything from commercial, farm and auto insurance, to home and life insurance.

He started his insurance career at an independent insurance agency in Indiana in 2015 and remains there today. He’s part-owner of Bixler Insurance and is active in insurance sales and agency management.

Expertise

  • Commercial insurance
  • Personal insurance
  • Life insurance
  • Insurance trends

Highlights

  • Part-owner of Bixler Insurance, a multi-lines independent insurance agency
  • Licensed in property, casualty, life, and health insurance in 5 states
  • Earned the Certified Insurance Counselor (CIC) designation in 2016
  • Member of the Finder Editorial Review Board
  • Author of over 100 articles on Finder
  • Former insurance writer at Trusted Choice

Education

  • Bachelor of Arts | Indiana University | 2006–2009

Industry insights from Andrew Flueckiger

We asked Flueckiger to flex his insurance expertise by answering a few questions on trends he predicts for 2021.

What trend in the insurance industry do you predict will be big?

While not necessarily specific to 2021, I think the coronavirus pandemic is going to force many insurance companies to be much more adaptable and flexible when it comes to what’s covered and what’s not. Traditionally, the insurance industry has always been reactive and slow to react. While it will continue to be reactive, the post-coronavirus world will demand more from insurers and will reward new companies that are more nimble and offer more comprehensive coverage options. Traditional insurance companies will need to adapt quicker than they have in the past if they want to stay relevant.

What’s one lasting effect you predict the coronavirus pandemic will have on the insurance industry?

The easy and short term answer is the effect on business income insurance. The insurance industry wouldn’t be able to afford all of the potential business income claims if the coronavirus was a covered cause of loss. The jury is still out on some lawsuits about whether it should be covered or not, but expect clearer exclusions from insurance companies on future pandemics. And that strict exclusion from the insurance sector could lead to some type of government insurance fund for future pandemics to help alleviate the strain on small businesses. I expect the coronavirus pandemic to also help speed up the transition to driverless vehicles, in particular driverless semi-trucks, which will also have a profound impact on auto insurance and commercial auto insurance.

What’s the biggest misconception about life insurance?

That it’s expensive and that you don’t really need it because nothing will happen to you. It’s definitely not expensive if you’re in decent health and especially if you’re under the age of 40. I understand that young people have other priorities, are on a tight budget and think nothing will ever happen to them. And nobody is requiring you to buy life insurance, unlike home and auto insurance. But if you have a family or intend to have a family some day, there is arguably no more important type of insurance out there than life insurance.

Latest articles by Andrew Flueckiger

101 articles written by this author

Allstate Drivewise review

Earn rewards with this telematics program even if you aren’t an Allstate customer, though you can only receive a discount if you’re a policyholder.

Andrew Flueckiger 14 October 2021
Allstate Drivewise review

Life insurance for seniors over 70

A final expense life insurance policy may be your best option in your 70s, especially if you have prior health problems.

Andrew Flueckiger 8 June 2021
Life insurance for seniors over 70

Best umbrella insurance

Receive extra liability coverage with an umbrella policy from these top insurers, though they may require you to have car insurance through them.

Andrew Flueckiger 6 April 2021
Best umbrella insurance

How to get life insurance after a DUI or driving offense

A poor driving record may result in higher rates on your life insurance, with some insurers turning you away altogether.

Andrew Flueckiger 1 February 2021
How to get life insurance after a DUI or driving offense

How to use life insurance to pay for retirement

If you have a cash value policy, you can dip into those funds to pay for expenses in retirement. But there are a few things to keep in mind.

Andrew Flueckiger 4 January 2021
How to use life insurance to pay for retirement

Face amount vs. cash value

There are two main features of permanent life insurance, but using one can affect the other.

Andrew Flueckiger 21 December 2020
Face amount vs. cash value

How long does it take to get disability insurance benefits?

Which type of disability insurance you have influences how long it’ll take you to receive benefits. Find out how long you may have to wait.

Andrew Flueckiger 15 December 2020
How long does it take to get disability insurance benefits?

Whole life vs. variable life insurance

Two permanent life insurance policies that provide lifelong coverage, though variable life is a riskier investment option than whole life.

Andrew Flueckiger 24 November 2020
Whole life vs. variable life insurance

Compare tuition insurance

If your child gets sick or injured and has to take time away from college, tuition insurance can reimburse you for what you already paid.

Andrew Flueckiger 20 November 2020
Compare tuition insurance

Mortgage insurance vs. life insurance

Term life insurance offers more versatile coverage, and can pay off more debts beyond your mortgage. Compare pros and cons now.

Andrew Flueckiger 10 November 2020
Mortgage insurance vs. life insurance
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