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Why do a life settlement?

The policy’s purchaser becomes its beneficiary and assumes payment of its premiums, and receives the death benefit when the insured dies. Some of the reas...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Can you have 3 named drivers on car insurance?

When driving that vehicle, the named driver will have the same level of cover as the main driver. They may also be referred to as an additional driver. Wh...

Which program is designed to provide health insurance to the elderly and disabled?

Medicaid is a joint federal and state program that provides free or low-cost health coverage to millions of Americans, including some low-income people, f...

Who oversees insurance companies in Nevada?

Nevada Commissioner of Insurance Selection Method: Appointed by the Director of the Nevada Department of Business and Industry Current Officeholder Barbar...

Do insurance companies pay for towing?

Towing is usually not covered by liability-only insurance plans. You should expect to pay upfront for any towing, including after an accident. However, if...

What is non forfeiture in insurance?

A non-forfeiture option. (or clause) is a provision included in certain life insurance policies stipulating that the policyholder will not forfeit the val...

Does car insurance cover non family members?

Your auto insurance generally won’t cover a non-permissive user in a crash; instead, the non-permissive driver’s insurance will be called on to cover any ...

How does insurance work if you wreck your car?

Typically, if you get into a car accident, the at-fault driver’s insurance pays for the damages and injuries. If you get hit by a driver with no insurance...

Does an accident that not my fault affect my insurance?

Generally, a no-fault accident won’t cause your car insurance rates to rise. This is because the at-fault party’s insurance provider will be responsible f...

What is a 25 50 insurance policy?

So, for example, if you are quoted a 25/50 limit for bodily injury, it means that the insurance policy will cover up to a maximum of $25,000 per person in...