The Daily Horizon

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Are insurance brokers and agents the same?

There are two main differences between insurance agents and brokers: Agents represent insurers, while brokers represent consumers. Agents can complete ins...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Is prophylactic mastectomy medically necessary?

Coverage for reconstructive breast surgery is provided for individuals undergoing covered prophylactic mastectomies. Prophylactic mastectomy for any other...

What is the difference between indemnity and PPO dental insurance?

Patients are free to see dentists outside the network, but usually at higher out-of-pocket costs. PPOs typically cover all in-network preventative care, b...

What happens if you lie on insurance?

Insurance companies often discover the truth when an insured person files a claim. The consequences of being found out may include being slapped with a hi...

Does age of roof affect homeowners insurance?

When you’re purchasing homeowners insurance, the age and condition of your roof will heavily factor into the premium rate. Your roof is the first impedime...

Are private clinics more expensive?

Private hospitals can be a bit more comfortable than a large public hospital, and patients know that they are paying more for the extra service. These hos...

What determines cash value of a variable life policy?

Different Policies Accumulate Cash Value in Different Ways Universal life policies accumulate cash value based on current interest rates. Variable life po...

When should I stop claiming my child as a dependent for health insurance?

Under current law, if your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 years old. Child...

Should I contact the person who hit my car?

It is recommended that you only contact your attorney if you or your passengers sustained any injuries due to the accident. An attorney can help your case...

How much is insurance for a delivery truck?

Sometimes it helps to get a ball park estimate on how much delivery truck insurance costs. Fair enough. A delivery business that has a single truck can ex...