Disability Clause

Shortened report showing pertinent insurance policy information, copies of which are distributed in the insurance company's home office and branch offices, as well as to agents and brokers. ...

Losses that have occurred within a stipulated time period whether paid or not. ...

Loading to the burning cost ratio for a reinsurer's expenses, profit, and to build a reserve to meet unusually large claims. ...

Exceptions and limitations of coverage; that is, the maximum amount of insurance coverage available under a policy. ...

Trust under which the beneficiary (cannot be a charitable beneficiary) receives a fixed percentage (not less than 5% of the trust's annual value) of the net fair market value of the trust ...

One of the major underwriting organizations for insurance company pools insuring commercial aircraft liability exposure. ...

Portion of the death benefit in a life insurance policy paid upon the insured being diagnosed as having a terminal illness that will result in death within a year. ...

Insurance applicant's life and health record, financial standing, driving record, general character, vocation, and habits. These factors are evaluated by a home office underwriter in ...

Our agents have a wide range of coverages available, as well as an array of choices for limits and deductibles. If you own a small or large business, our agents will help you in tailoring a ...

An HMO provides comprehensive health services to its members for a prepaid fixed fee, equivalent to an insurance premium. A PPO differs from an HMO in that the PPO has no separate physical ...

Provides financial protection for a limited, specified period of time, at a lower cost than permanent life insurance. ...

A CD, or Certificate of Deposit, is an investment usually made for a given period of time at a fixed rate of interest. CDs are offered by financial institutions such as banks, and are often ...

General Liability Coverage includes: Bodily Injury Liability Coverage: Help protect you in case injuries occur to other people resulting from your operations. Property Damage ...

A group plan in one that is sponsored by an employer, association or other organization, as opposed to an individual or family. With the employee given the option to include other family ...

If you live in an Earthquake zone. Yes! Typically most homeowners insurance insurance coverage would apply as rider. If it is not available under your homeowners insurance you will need to ...

1.- Stay Calm. Determine the injuries and or damage. 2.- Call the police. File an accident report and obtain medical assistance if needed. 3.- Limit Discussion. Talk only with the ...