The Daily Horizon

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What are the frauds that are generally committed in the insurance sector?

Insurance agents and company employees may also commit insurance fraud. Common frauds include “padding,” or inflating claims; misrepresenting facts on an ...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Is there a grace period on homeowners insurance?

Is there a grace period if my payment is late? There is NO grace period. Payments must be U.S. postmarked or received in our office PRIOR to any expiratio...

Do I get my premiums back if I cancel life insurance?

Getting Money Back When Cancelling Your Life Insurance Policy. When cancelling a term life insurance policy, you will often have to pay fees or penalties....

How do insurance companies determine pre-existing conditions?

While insurers generally determine the presence of a pre-existing condition based on an applicant’s current health status, sometimes a healthy applicant c...

Will an insurance company insure a salvage title?

You cannot get insurance for a salvage title car. Salvage title cars are declared a “total loss” by an insurance company, so you can’t register them, driv...

What type of insurance should be bought while renting an apartment?

We recommend getting enough personal property coverage to cover the value of your belongings and at least $100,000 in personal liability coverage. These t...

How is the value of your car figured if it is totaled in an accident?

To get an idea of what your totaled car is worth, find the Kelley Blue Book value for it in fair condition. Figure out what the 20 to 40 percent fair cond...

Can an employer change health insurance without notice?

Generally speaking, an employer cannot unilaterally change the terms of your employment. You would also have to consider whether the employer had the righ...

What qualities do you need to be an insurance agent?

This helps you to become more familiar with the important qualities for an insurance agent. Willingness to Learn. Your training might depend on what the p...

Do I need insurance for skiing?

Do I need ski travel insurance? Ski holiday insurance is vital, as a standard travel policy won’t be enough to cover any number of situations you might ru...