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What to Expect When Applying for Life Insurance

Details: Insurance companies can review your credit report when determining your premium. Paying your bills on time, which is noted on your report, assures the company you are likely to pay your premium on

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Best Laptop Insurance of 2021

Details: Laptop insurance provides coverage in the event of theft, loss, or damage to your laptop computer. While it can be sold as a type of gadget insurance, many standard homeowners insurance …

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The 5 Best Vision Insurance Companies of 2021

Details: Vision insurance is used to help reduce the costs of glasses, contacts, and eye exams. This supplemental insurance can also help offset the costs of LASIK. Some people may opt for a …

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The 5 Best Cyber Insurance Companies of 2021

Details: AmTrust was founded in 1998 and is now a global company with over 5,000 employees serving 60 countries. It offers a comprehensive range of business insurance …

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The 8 Best Burial Insurance Companies of 2021

Details: This insurance is a type of whole life policy that helps people make sure they have funding available for the cost of a funeral, burial, or cremation, and even a …

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The 6 Best Drone Insurance Companies of 2021

Details: Don’t get caught without liability coverage for your drone. We researched and reviewed the best drone insurance companies, taking into account …

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Coinsurance Definition

Details: Example of Coinsurance . Assume you take out a health insurance policy with an 80/20 coinsurance provision, a $1,000 out-of-pocket deductible, and a $5,000 out-of-pocket maximum.

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What's the Difference Between Copays and Coinsurance

Details: A health insurance premium is an upfront payment made on behalf of an individual or family in order to keep their health insurance policy active. more What Does Out-of …

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Indexed Universal Life Insurance: Pros and Cons

Details: Indexed universal life (IUL) insurance policies can help you to build wealth while leaving behind a death benefit for your loved ones. These policies put a portion of the policyholder’s premium

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Accidental Death and Dismemberment (AD&D) Insurance

Details: AD&D insurance pays benefits in the case of a person’s accidental death or dismemberment, which is the loss—or loss of use—of body parts or functions.

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The 7 Best Life Insurance for Seniors in 2021

Details: Final expense insurance is a term for whole life insurance policies with lower coverage that are geared toward helping pay for funerals and other end-of-life costs. AIG’s guaranteed whole life

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Universal Life (UL) Insurance Definition

Details: Universal life (UL) insurance is a form of permanent life insurance with an investment savings element plus low premiums. The price tag on universal life (UL) insurance is the minimum amount of a

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Homeowners Insurance Guide: A Beginner's Overview

Details: Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of possessions, and personal liability for harm to others.

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The 5 Best Return of Premium Life Insurance of 2021

Details: Term life insurance coverage is available from Cincinnati Life Insurance in 10-, 15-, 20-, 25-, or 30-year terms. However, you’ll need to speak with an agent to talk over your options and apply

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Insurance Risk Class Definition

Details: Class 2 Insurance: Insurance that covers individuals that are not specifically named in an auto insurance policy. Class 2 insurance, also written as Class II insurance…

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Commercial Health Insurance Definition

Details: Health insurance in the commercial market is commonly obtained through an employer. Since employers typically cover at least a portion of the cost, this is often a cost-effective way for employees

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Whole Life Insurance Definition

Details: Viatication: The selling of a life insurance policy by a terminally ill person, so that person can receive a benefit from the policy while still alive and the purchaser of the policy can receive a

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The 5 Best Security Guard Insurance Companies of 2021

Details: The Hartford is one of the oldest insurance companies in the U.S. and was founded in 1810. The company is highly rated by AM Best, receiving an A+ rating.

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The 6 Best Dental Insurance for Seniors on Medicare in 2021

Details: Marisa is a Content Integrity & Compliance Manager, with expertise in credit cards, checking and saving accounts, loan products, insurance and more.

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Cost, Insurance, and Freight (CIF) Definition

Details: Cost, insurance, and freight (CIF) is a common method of import and export shipping. CIF determines when the responsibility for goods transfers from the seller to the buyer.

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What Is SR-22 Insurance and What Does It Do

Details: SR-22 'insurance' is a certificate your state may require if your driver's license has been suspended or revoked and you want to get it reinstated.

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The 8 Best Short Term Rental Insurance of 2021

Details: Proper Insurance, a Virginia-based property and casualty insurance company, offers an all-inclusive Lloyd’s of London insurance policy focused on short term vacation rental properties’ unique

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Credit Insurance Defined

Details: Credit insurance is a type of insurance that pays off one or more existing debts in the event of a death, disability, or in rare cases, unemployment.

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Reinsurance: Insurance for the Insurer

Details: Time And Distance Policy: A reinsurance treaty in which a ceding insurer transfers a lump sum of its premiums to a reinsurer, and over time is returned a portion of the unused premiums. Time and

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Surrender Charge Explained

Details: Life insurance is a contract in which an insurer, in exchange for a premium, guarantees payment to an insured’s beneficiaries when the insured dies. more Accumulation Period Definition

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Additional Insured Definition

Details: Additional Insured: A type of status associated with general liability insurance policies that provides coverage to other individuals/groups that were not initially named. After endorsement , the

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Subrogation Definition

Details: Subrogation is a term describing a legal right held by most insurance carriers to legally pursue a third party that caused an insurance loss to the insured.

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The 4 Best Short-Term Disability Insurance of 2021

Details: Short-term disability insurance through State Farm provides between $300 and $3,000 in monthly coverage, depending on your occupation and current income, and elimination periods are 30, 60, or …

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Insurable Interest Definition

Details: Insurable interest is an essential requirement for issuing an insurance policy that makes the entity or event legal, valid and protected against intentionally harmful acts.

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Bank Insurance Definition

Details: Bank Insurance: A guarantee by the Federal Deposit Insurance Corporation (FDIC) of deposits in a bank. Created in 1989, the Bank Insurance Fund is the federal fund used to insure bank deposits of

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The 7 Best Dental Insurance Companies of 2021

Details: Dental insurance plans can help you get coverage for preventive care as well as fillings, crowns, dental implants, and more. We profile the best dental insurance companies money can buy to …

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The 4 Best Short-Term Health Insurance Providers of 2021

Details: Short-term health insurance can help protect you during unforeseen gaps in health coverage. We reviewed the best short-term health insurance plans based on coverage, exclusions, ratings, and more.

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The 7 Best Malpractice Insurance Companies of 2021

Details: Malpractice insurance is necessary on top of a general liability insurance policy because it covers claims for negligence, misrepresentation, violation of good faith, and inaccurate advice.

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Insurance, Excess Insurance, and Reinsurance

Details: Insurance . An insurance policy is a contract in which the policyholder receives financial reparations or protection from an adverse event that's covered under the policy.

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Best Boat Insurance of 2021

Details: Marisa is a Content Integrity & Compliance Manager, with expertise in credit cards, checking and saving accounts, loan products, insurance and more.

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What Is the Main Business Model for Insurance Companies

Details: Insurance sector companies, like any other non-financial service, are evaluated based on their profitability, expected growth, payout, and risk. But there are also issues specific to the sector.

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Reinsurance Ceded Definition

Details: Special Acceptance: The extension of coverage for a peril that is not generally covered in a reinsurance treaty. Special acceptance requires the …

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Understanding Facultative vs. Treaty Reinsurance

Details: Suppose a standard insurance provider issues a policy on major commercial real estate, such as a large corporate office building.The policy is written for $35 million, meaning the original insurer

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The 5 Best Dental Insurance for Implants

Details: A dental insurance plan for an individual with $1,200 in coverage the first year, $2,500 in coverage the second year, and $5,000 in coverage the third year and beyond can start at …

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The 5 Best Disability Insurance of 2021

Details: Disability insurance through The Standard has elimination periods ranging from zero to seven days for short-term coverage, and 60 to 360 days for long-term. Short-term disability coverage is

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The Best Food Truck Insurance Carriers for 2021

Details: The best place to look for food truck insurance is the Food Liability Insurance Program, or FLIP. Established in 2011, FLIP provides a unique setup called a …

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Lost Your Health Insurance

Details: If you’ve lost job-related health insurance in the midst of the coronavirus crisis, you need to take action quickly. A number of options have time-limited deadlines, ranging from 30 to 60 days

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Carriage and Insurance Paid To (CIP) Definition

Details: Carriage and Insurance Paid To (CIP) is when a seller pays freight and insurance to deliver goods to a seller-appointed party at an agreed-upon location. The risk of damage or loss to the goods

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CIF vs. FOB: What's the Difference

Details: CIF vs. FOB: An Overview . Cost, Insurance, and Freight (CIF) and Free on Board (FOB) are international shipping agreements used in the transportation of goods between a buyer and a …

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