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What are manual rates in insurance?

manual rating — A method of setting premiums or rates in which an insurer uses the insurer’s average cost experience with all groups in a business segment...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

How can you reduce your life insurance policy payment?

If you lower the face amount of a permanent life insurance policy enough, your carrier may consider you “paid up” and allow you to stop paying premiums en...

Which type of life insurance can be redeemed for cash?

Also known as permanent life insurance, cash-value life insurance policies provide both a death benefit and a cash-value accumulation during the policyhol...

Do insurance companies have stock?

Insurance companies are most often organized as either a stock company or a mutual company. In a mutual company, policyholders are co-owners of the firm a...

Is life insurance beneficiary confidential?

For the most part, life insurance policies are not a part of any public records. Life insurance proceeds are paid directly to a named beneficiary and ther...

What insurance pays for damage if you were at fault?

Auto liability insurance is a type of car insurance coverage that’s required by law in most states. If you cause a car accident — in other words, if you a...

Who are the best prospects for life insurance?

Top 5 Life Insurance Prospects #1 – Growing Families. Couples who have just married or are having kids are likely to purchase life insurance. #2 – Existin...

What factor can increase the premiums on insurance policies?

Some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits and deductibles...

What is the penalty for 50 mph in a 30mph zone?

If you get caught driving at 41mph to 50mph in a 30mph zone, you’ll probably get a fine of 100% of your weekly income. You’ll also probably get 4-6 points...

Can I refund my Pru Life premium?

To cancel your policy within the free look (review period), fill up this form and visit any of our branches with your policy document. To locate the neare...