Universal life insurance

The Pennsylvania workers’ compensation system is designed to protect both employers and employees. Employers who have workers’ compensation insurance are protected from a direct lawsuit for injuries sustained on-the-job; whereas, employees receive the medical treatment they need and are compensated for any lost wages that are associated with any injuries and disease sustained while at work. Employers and workers’ compensation coverage – Pennsylvania law For the majority of employers in the…

When you've been in a car accident, the loss of work, damages to the vehicle and severity of your injuries can be overwhelming. The other driver's insurance company might balk at paying you. There could be other circumstances like an underinsured motorist that can complicate matters. This is when you should consider a lawsuit against the insurance company on behalf of the other driver. Before you consider a lawsuit, you should understand the process and remedies that are available to you when…

She was questioning the amount of life insurance she had on all of her grandchildren. I told her the amount was $25,000 for each child. She told me her bill says she has $50,000 on all her grandchildren except for her grandson, Cooper Turnmier. She said his only showed $25,000 and that she would never have lowered his coverage and not the others. I explained to her that all the policies were for $25,000. She continued to doubt what I was saying so I called Life Company just to make sure because…

what is disability insurance and Types of Disability Insurance keyword: disability insurance disability insurance definition: disability insurance is also known as income protection insurance. Under this insurance insured income is protected in case of insured is disabled for longer period with no productive work. There is one more insurance type which is extremely important to consider beside health insurance. Assume that probability of temporary disabled is higher than dying during working…

After Pacific Life I spoke with Oxford Life, which was my second choice. I thought both of the gentleman were very nice, they emphasized that they are looking mostly for someone who is a good fit with their existing group. They work with a small group of seven actuaries and are very close knit. They told me that their employee retention is very high and they both seemed to really enjoy working at their company and there was a nice easy dynamic between the two of them. They did not have any…

Estate planning is an important part of securing your family’s future after you are gone. It’s never too early to think about estate planning, but it is complicated if you don’t know where to start. The attorneys at Woodlawn Law Offices in O Fallon, MO, will help ensure your family is taken care of should anything happen. Here are three factors that you will address with the help of a probate attorney: Funeral Costs: Funerals don’t necessarily have to be expensive, but if you pass away…

other insurance companies, the following are major competitors: Progressive Insurance, Travelers Insurance, State Farm, and Farm Bureau. The Allstate Corporation has a major advantage over the companies listed above for the following reason; Allstate Corporation contracts with Registered Financial Advisors to provide financial and life planning advice. Further, the companies mentioned above only employs insurance agents that lack the expertise of a financial advisor. Progressive Insurance…

Introduction When it comes to insurance, the general public does not always understand the importance of an insurance application when looking at getting an insurance policy. The insurance application is the start of the process for obtaining an insurance policy. The insurance policy is a contract between an insurer, the insurance company, and the insured, the person looking to receive the insurance, that obligates both parties of the contract to use utmost good faith. If one of the parties…

opportunities bubbling in the market. In order to capitalize the outside opportunities, one sales manager left the organization in January 2003. As the sales manager was a real performer, he was able to convince all the good performers at XYZ Moon Life Insurance to join the new company. As a result of this, the organizational structure got disturbed and the development officers, who were earlier reporting to the SM had started reporting directly to the branch manager. Now, nepotism crept in and…

Iddir primarily provide funeral cover for members and their family’s, with the aim of covering expenses in the event of a death. This form of insurance seems to be favourable, as the threats from moral hazard and adverse selection seem to be typically lower than that which exists with other forms of insurance. Iddir do tend to offer other forms of informal insurance, for example compensation can be received in the event of a member contracting an illness, destruction of a house, loss of cattle…