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Which policy is better whole life or universal life?

Whole life insurance offers consistent premiums and guaranteed cash value accumulation, while a universal policy provides flexible premiums and death bene...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Can you keep insurance on a totaled car?

Keeping a Vehicle that Your Car Insurance Company has Totaled. If you decide to accept the insurer’s decision to total your car but you still want to keep...

What are the main parts of a teeth?

Four Main Parts of the Tooth – Enamel: Enamel is the hard calcified tissue on the surface of your teeth. – Dentin: Dentin is a sensitive layer of living t...

What happens if your vehicle insurance lapses?

What happens when your car insurance lapses? When your car insurance lapses, you might have to get a new insurance policy. You may also lose the accrued b...

Does drug use affect insurance?

How does current drug use affect life insurance? It depends on the drug and frequency of use. Insurers show leniency toward casual drinkers and marijuana ...

How does insurance work after a fire?

Homeowners insurance typically helps protect personal belongings from specific risks (described in most policies as “perils”), such as fire and lightning ...

What is takaful coverage?

Takaful is a type of Islamic insurance wherein members contribute money into a pool system to guarantee each other. Takaful-branded insurance is based on ...

Does liability coverage include theft?

Liability insurance likely won’t cover theft, as it usually protects against bodily injury and property damage resulting from an accident. What does auto ...

Can a whole life policy be cashed in?

Likely, the longer you’ve owned your whole life policy, the larger your cash value will be and the more options you’ll have for receiving a cash payout. T...

Is a roof leak covered under homeowners insurance?

Homeowners insurance may cover a roof leak if it is caused by a covered peril. In those cases, your homeowners policy may help pay to repair the roof leak...