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What happens if term life insurance lapses?

If you stop paying those premiums your policy will lapse, meaning you lose your life insurance coverage and your beneficiaries won’t receive any life insu...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Why the rule caveat emptor is not applicable in insurance contracts?

The caveat emptor principle does not apply when the seller provides false information to the buyer, or when there is a misrepresentation of the product. W...

What is the minimum amount of insurance coverage required?

California requires drivers to carry at least the following auto insurance coverages: Bodily injury liability coverage: $15,000 per person / $30,000 per a...

How do you take an insurance policy?

How to buy insurance and whom to buy it from You can buy your insurance policy through an individual agent, a corporate agent or a broker. You can also bu...

How do veterinarians feel about pet insurance?

“Similar pet owner research showed that among those pet owners who would consider pet health insurance, 71 percent were more likely to purchase if their v...

What happens if an insurance company overpays you?

If benefits have been overpaid on any claim; then full reimbursement to the Company is required within 60 days. If reimbursement is not made; then the Com...

Can you file an insurance claim the day after an accident?

If you’re filing a claim with an insurance company, you have as long as your car insurance company or policy says you have to start the claim process afte...

Do you need extra insurance to teach learner drivers?

You need your own insurance as a learner driver if you’re practising in a car you own. If you’re practising in someone else’s car, you need to make sure t...

Are pit bulls excluded from homeowners insurance?

Homeowners insurance can provide you with coverage for events that make you liable for property or personal damage. But if the damage is caused by certain...

Will insurance cover a new mattress?

Mattresses usually are not reimbursed by insurance companies because they’re not deemed medically necessary. How do I get Medicare to pay for a mattress? ...