The Daily Horizon

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Is Bravo part of Cigna?

You may have heard the news: On January 31, 2012, Cigna acquired HealthSpring, Inc. and its subsidiaries (“HealthSpring”), including Bravo Health, a Healt...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

What is the function of the states guarantee funds?

A state guaranty fund is administered by a U.S. state to protect policyholders in the event that an insurance company defaults on benefit payments or beco...

Can you negotiate medical bills down?

Yes, you can negotiate with your hospital or health care office’s billing department—to ask for a lower balance due on that high medical bill. How much sh...

What risks of loss can be transferred?

WHAT RISKS OF LOSS CAN BE TRANSFERRED? Damage to the building under construction. Construction cost overruns. Employee injuries. Theft of building materia...

Is car insurance in New Jersey expensive?

The average cost of auto insurance in New Jersey is $1,592 per year — 3% more than the national average. Your auto insurance premiums are dictated by fact...

Can you use car no claims on a bike?

Can I transfer my No Claims Bonus between vehicles? Your No Claims Bonus is non-transferable between different types of vehicles. You can, however, transf...

How much does RV insurance typically cost?

Depending on how much you use your RV, annual insurance premiums can range from $200 to $3,000. Part-timers usually can expect to pay less than $1,000 whi...

How do I get a title in WV?

If the title is lost and the vehicle has never had a lien, the vehicle owner must complete an Affidavit of Duplicate Title for a Vehicle or Watercraft (DM...

What comes first car or insurance?

Your best bet is to first determine which vehicle you will be purchasing. After that you will purchase the car and the dealership will then require that y...

Is an insurance policy that pays the employer money in the case of theft by the employees?

A fidelity bond is a form of business insurance that offers an employer protection against losses that are caused by its employees’ fraudulent or dishones...