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Insurance Vocabulary Terms
Insurance is so pervasive in today's society that it is a virtual certainty you will have to purchase it during your lifetime. Whether it is auto, life, homeowner's, or another type of insurance, you...
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Fair Claims Practice Act
Each state has regulations prohibiting unfair or deceptive actions on the part of insurance companies. The title "Fair Claims Practices Act" is actually the popular name given to legislation that...
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What Does Third Party Insurance Cover?
A number of different types of insurance policies and coverages are available to you. One common type of insurance is third-party insurance, which provides coverage to others.
View ArticleDisadvantages of Fixed Indexed Annuities
Fixed indexed annuities are insurance products that function similar to savings accounts. Annuities are designed for long-term savings, however, and for retirement savings in particular. Fixed indexed...
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How Do Insurance Companies Use Credit Scores?
If you're shopping for auto or homeowner's insurance, insurers may look at your credit score to predict what type of customer you will be. There are different credit scores with various ranges, and...
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Insurance Claims Investigations Checklist
Your insurance claim may be investigated by adjusters, attorneys, auditors or other professionals, depending on the type of claim, such as home, business, car or personal injury. Insurance...
View ArticleConcept of Insurance
Insurance is a type of financial arrangement that helps individuals, businesses and other organizations protect themselves against unexpected or unpredictable losses or expenses. Insurance can protect...
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Malpractice Insurance Requirements
Malpractice insurance is a requirement for many professional positions in the United States--especially the medical field. Doctors, surgeons and other physicians are required by many states to maintain...
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Questions to Ask About Long-Term Health Insurance
Long-term care health insurance provides protection should disability or old age require a person to receive assistance with medical and daily living needs. Long-term care facilities vary in the types...
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What Are My Rights to Fight an Insurance Claim in Texas?
According to the National Association of Insurance Commissioners, the three types of consumer insurance that received the most consumer complaints in 2010 were auto, health and homeowners' insurance....
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Cons About Indexed Annuities
Indexed annuities, also called equity indexed annuities, are relatively new to the investment world. According to Kerry Pechter in the book "Annuities for Dummies," indexed annuities were created in...
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Meaning of Insurance Deductible
The term "deductible" refers to the amount of money that the insured, or policyholder, must pay before the insurance coverage will be applied, according to the website AmPmInsure.org.
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Effects of Insurable Interest on Payment
Someone has an insurable interest in something when a particular action would have caused the insured individual to experience a loss, according to Free Advice. If there is a fire that damages a house...
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The Cancellation Procedures for Insurance in California
When an insurance company decides to cancel an insurance policy in California, state regulatory authorities mandate specific procedures that the insurance company and the insurance buyer must follow....
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Insurance Pro-Rate Factors
Insurance policies are typically paid for in full, in advance, either directly by you or by a premium finance company to which you then make periodic payments. If the policy is canceled before the end...
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How do I Evaluate Insurance Plans in Orange County, California?
Orange County, California is the home to more than million people; Anaheim, home of Disneyland, is its largest city. Several insurance companies are based in this Southern California community, and...
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What Are the Negatives of Investing in a Fixed Index Annuity?
A fixed index annuity is an investment sold by insurance companies, whose return is based upon an index of stocks, such as the S&P 500. To purchase a fixed index annuity, a person makes a lump sum...
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What States Require Motorcycle Insurance?
You are interested in buying a motorcycle but you have questions about the insurance. As a general rule, the states hold motorcycles to the same insurance standard as personal automobiles, so chances...
View ArticleWhat Is the Role of an Insurance Broker?
If you are planning on purchasing insurance and need assistance navigating the system, you may need to consult an insurance broker. Brokers are also known as sales agents.
View ArticleHow to Calculate Statement Coverage
Statement coverage is sent to a health insurance policy holder to detail the coverage amounts that will be paid on behalf of the policy owner. The insurance company co-insures the coverage of the...
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