Got an insurance problem? It's what I do...solve them. Among the things that I liked best about practicing law was solving insurance problems for consumers and small businesses. I figured out what was covered and what wasn’t. For the things that were covered, I helped clients navigate the maze of getting claims resolved. I also [...]
Disability waiver of premium is language included in life insurance and disability insurance. We’ve talked in other articles about life insurance and disability insurance. They are both intended, in a broad sense, to replace income by paying money when a stated event happens to a person (not to property). The benefits are paid when the [...]
[fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"] Murray Brown Pet insurance is near and dear to my heart. If you’ve read any of my articles, I hope that you’ve learned something about insurance. It’s a contract by [...]
[fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"] Life insurance statement A life insurance beneficiary is a person or entity named in a life insurance policy to get its proceeds. There can be more than one beneficiary designated. [...]
[fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"] Life insurance statement Deductibles, in the insurance sense, are an amount of money that you, the insured, pay before the insurance company is obliged to pay anything toward a covered [...]
[fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"] Senior Couple Sitting On Sofa Using Digital Tablet In several other articles, we talked about pros and cons of life insurance for kids. But there is another demographic that should [...]
The Institute of Risk Management defines “cyber risk” as any risk of financial loss, disruption or damage to the reputation of an organization from some sort of failure of its information technology systems. As the National Association of Insurance Commissioners has pointed out, problems have grown as individuals have become more reliant on electronic communications. [...]
The main purpose of life insurance is to provide financial protection or economic security for the survivors of the individual insured by the life insurance policy. However, the need for that protection varies based upon circumstances. A simple example is that a single person with no dependents may think that life insurance is an unnecessary [...]
In previous articles, I wrote about life insurance for children. In planning those articles, I assumed that everybody knew what life insurance was, what life insurance was for, what kinds of life insurance existed, who needs life insurance and when, how it was priced, how to buy it, and related issues. Boy, was I wrong. [...]
I might be biased, but I really think everybody needs life insurance at some point in life. But I also try to be realistic and recognize that not everyone shares my bias, at least to the same degree. There may also be real or perceived financial constraints preventing the buying life insurance; however, ultimately, the [...]