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What makes an insurance contract legally binding?

There are 4 requirements for any valid contract, including insurance contracts: offer and acceptance, consideration, competent parties, and. Are insurance...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Do long-term care policies have a cap?

The policies usually cap the amount paid out per day and the amount paid during your lifetime. Under most long-term care policies, you’re eligible for ben...

Is State Farm a brokerage?

State Farm VP Management Corp. (SFVPMC) serves as the broker/dealer for the State Farm Associate Funds and provides brokerage services to retail investors...

Who took over American General insurance?

American International Group The race for scale in U.S. life insurance stepped up Friday, as global insurance giant American International Group reached a...

What is not covered under all risk insurance?

these are just a few examples of what’s not covered by a contractors all risk policy : Construction plant, equipment and tools. Consequential loss – loss ...

What does an insurance agency do?

Insurance agents sell and negotiate life, health, property, or other types of insurance to match the needs of their clients. As an insurance agent, you ma...

Can you have 2 primary beneficiaries?

More than one primary beneficiary can be named, with the grantor able to direct particular percentages to each. If the primary beneficiary is no longer al...

How much is bike insurance in Canada?

How much is bicycle insurance in Canada? It depends on the insurer and the chosen policy, for third-party insurers, it’s about 3% to 4% of the bicycle val...

What happened to Providian life and health insurance company?

Aegon N.V., a Dutch insurer, said today that it was buying the insurance business of the Providian Corporation of Louisville, Ky., for $2.62 billion in st...

Who is the guarantor for medical bills?

Guarantor: The person who ultimately accepts financial responsibility to pay the patient’s bill. In most cases it is the adult patient receiving the servi...