VU Resources

RCBAP and Insurance to Value

Insurance professionals should explain the benefits of insuring to 100 percent of the replacement cost on the RCBAP (as well as all type of policies) covering buildings or personal property.…

Disability Income Insurance

As tough a sale as it is, life insurance can be sold. A far tougher sale is disability insurance. Most prospects do not understand statistically how likely they are to…

Paper colorful people and a red heart. The concept of love and kindness, donation

Death in an Agency

I have unfortunately worked with the families, estates and partners of several agency owners who have passed away. Most, but not all, of the deaths occurred unexpectedly. In all cases,…

Large cog wheels in the motor

How Much Insurance Do I Need on My Building?

An insured buys gets a steal on a new building, paying $2.5M for a building with a replacement cost of $12M. The insured is concerned with protecting his investment rather…

A car passes in this long exposure downtown Indianapolis and a storm brewing

2012 ISO Commercial Property Changes

The 2012 ISO Commercial Property filing changes both policy forms and endorsements. The forms have an edition date of October 2012. Since the changes include both broadening and reduction of…

Coverages

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VU Consumer Articles

Below is a listing of Virtual University articles that have been rewritten from a consumer perspective. These articles are provided in Microsoft Word format, except where noted, and were developed…

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