Virtual University

Church-Owned, Pastor Insured: Is This Correct?

An agent asks: A vehicle is registered to a church that provides the vehicle to the senior pastor and his wife for their personal use. The vehicle is insured on…

Concept of life, auto and home insurance with paper family, car and house in hands on yellow background

Coronavirus Revisited – Should the Business Income Policy Respond?

During the pandemic panic, one of the most common question received by the VU was, “Does the Business Income policy cover government-mandated shutdowns?” The answer then and the answer now…

Group of professional business meeting and discussing strategy with new startup project.Creative african american man planning and brainstorm with laptop computer in modern office.Teamwork

Life Insurance Trust Tax Implications

An agent asks: I sold a life insurance Trust UL policy many, many years ago. The Doctor recently died. He had Option B (option 2). The face amount was $500,000…

Food Delivery and the Business Auto Policy

Thousands of restaurants engage in food delivery. This is, by no means, a new phenomenon. With that reality in mind, two questions arise: Is the restaurant covered for food delivery…

Food delivery home. Donation and charity. Selective focus. nature.

Disclaiming Disclaimers

An agent asks: COVID and all the coverage debates swirling around it has raised the question in our agency regarding the use of a disclaimer. Several in the agency think…

Piggy bank wearing surgical face mask. Global economy during coronavirus pandemic. Financial crisis, banking concept. saving and investment.

Pricing is Dead! Long Live Pricing! To Succeed, You Need to Learn to Adapt

What is YOUR role if you are no longer able to influence pricing for your clients and prospects? You’d be wise to figure it out now.

House on stack coins growth as chart on wooden table with white wall background copy space. Banking, financial, mortagage loan concept. Central bank (FED) increase interest rates effect to house price and payment.

Cracking the Condominium Conundrum

How can a policy generating about $75 in revenue cost you $5,000, $10,000, or more? Believing that writing an HO-6 is quick and easy is the beginning of an E&O…

Row of colorful, red, yellow, blue, white, green painted residential townhouses, homes, houses with brick patio gardens in summer

Cracking the Condominium Conundrum

How can a policy generating about $75 in revenue cost you $5,000, $10,000, or more? Believing that writing an HO-6 is quick and easy is the beginning of an E&O…

Row of colorful, red, yellow, blue, white, green painted residential townhouses, homes, houses with brick patio gardens in summer

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