The Daily Horizon

Featured Article

Does insurance have to approve surgery?

Most health plans require patients to get an approval, called prior authorization, for certain kinds of medications, tests, procedures, or treatments. Soo...

Read Full Article Browse arts

Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Does business insurance cover my employees?

California business insurance requirements Most coverages aren’t required by California state law except for workers’ compensation. Any business that has ...

How do insurance companies stay profitable while still paying policyholders for their claims?

How do insurance companies stay profitable while still paying policyholders for their claims? They set aside a fixed portion of premiums in a reserve fund...

Do pet insurers pay vets direct?

Do all pet insurers offer direct payments? Most pet insurance companies will be able to pay your vet directly, but not all vets accept direct payments fro...

Who Owns Life of Georgia insurance company?

In May 2005 the Jackson National Life Insurance Company, an indirect wholly owned subsidiary of Prudential, purchased Life Insurance Company of Georgia fr...

What happens if life insurance premium is not paid?

Term: If you stop paying premiums, your coverage lapses. Permanent: If you have this type of policy, you will have the following choices: Cash out the pol...

Do I need insurance after I close my business?

Even though you close your business, you may still need insurance. Most general liability insurance policies cover incidents on an occurrence basis, which...

How do I get approved for pet insurance?

Many pet insurance companies require a thorough physical exam of your pet, or require all of your pet’s veterinary medical records to be submitted for rev...

How do you calculate insurance compensation?

To reach an amount of compensation for the abstract concept of your suffering, an insurance company may take the cost of your medical recovery and multipl...

How does stock insurance work?

A stock insurance company is owned by its shareholders. A stock insurer distributes profits to shareholders in the form of dividends. Alternatively, it ma...