Life

Many years ago, insurers created a “double indemnity” rider where death from an accident would result in double the face amount being paid. Now most insurers have a better solution.

Life insurance is purchased with consideration for others. An insured is not going to receive the policy proceeds. Family members are usually the designated recipients. Selecting the way to protect…

E&O classes always stress the need to use checklists. P&C exposures change over time and policy coverages must change with them. This is also true with life insurance. The needs…

It may surprise a client to find that the company’s most valuable asset was not insured. This would be especially upsetting for an insured who felt that there was always…

Many insurance agencies have found it easy to increase revenue and services offered by adding life and health insurance to the agency portfolio. Numerous prospects already in the agency client…

Many insurance agencies have found it easy to increase revenue and services offered by adding life and health insurance to the agency portfolio. Numerous prospects already in the agency client…

Many insurance agencies have found it easy to increase revenue and services offered by adding life and health insurance to the agency portfolio. Numerous prospects already in the agency client…

Viatical settlements, or accelerated death benefits, were controversial products developed in the 1980s following publicity for the AIDS epidemic. There were touted as a means for terminally ill patients to…

Term insurance policies have always been a popular product. The premiums involved seem to make people feel that it is the ideal solution to their insurance needs. The belief is…

Any general discussion of life insurance should begin with the observation that the life insurance industry in the United States has been transformed over the past 30 years or so.…