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What is worker comp code?

Workers compensation class codes are codes that the insurance companies use to identify specific categories of work. The insurance companies will then tak...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Can you switch health insurance companies while pregnant?

If you are pregnant and enrolled through an employer’s health insurance plan, but then you switch jobs, you may have to wait before joining the new health...

How much does it cost to convert a term life insurance policy?

When you convert your term policy to a whole life policy, the conversion process itself won’t cost anything. However, because whole life insurance is usua...

Can you get travel insurance with angina?

Medical travel and holiday insurance for people with angina An angina attack can be stable and then happen suddenly and without warning so if a previous d...

What is overlapping debt?

Overlapping debt refers to the financial obligations of one political jurisdiction that also falls partly on a nearby jurisdiction. Overlapping debt is co...

What violations affect insurance?

There are three classes of traffic tickets that impact your auto insurance premiums: minor, major and serious convictions. Relatively minor tickets, such ...

What does maturity date on life insurance mean?

Maturity Date — the date at which the face amount of a life insurance policy becomes payable by either death or other contract stipulation. How long do yo...

Can employers give employees money for health insurance?

The law allows employers to give employees a lump sum of cash for purchasing health insurance, pre-tax, through health reimbursement arrangements (HRAs). ...

Can minors be a beneficiary?

A minor beneficiary can be named in a Will or a Trust or, by default, be entitled to an inheritance through intestate succession. However, in California, ...

What does non-indemnity mean in insurance?

Non-indemnity insurance tends to cover things with no real replacement value. The amount of compensation received cannot be directly correlated with the l...