Insurance policies

Spring Cleaning For Your Insurance Policies: Update What You Need and Eliminate What You Don’t, III

NEW YORK, April 6, 2015 — Spring may be the traditional time of year for cleaning out closets and drawers and organizing attics, but it is also a great time to review of your insurance coverages, according to the Insurance Information Institute (I.I.I.). “Just as it is important to look at your wardrobe, electronics and other personal items to see what needs to be tossed, fixed, updated or stored for the coming months, everyone should do a thorough evaluation of their insurance coverage at least once a year,” says Jeanne M. Salvatore, the I.I.I.’s SVP and Chief Communications Officer. “So why not make a policy review part of your spring cleaning ritual?” As your life changes so do your...

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Bank Accounts & Life Insurance Policies, Welcome to Walton Funeral...

Walton Funeral Home staff is often asked about the right of survivorship an individual may have, in regards to a decedent’s bank account and it being “frozen” upon death. This varies from account to account and from state to state. The following describes the general rules of thumb regarding various account types. Your bank representative can provide more immediate and complete information by referring to the account set-up information. Joint account with absolute right of survivorship held by the spouse only: No tax waiver is required, and the surviving account owner will normally receive 100% of the funds upon the death of a co-owner. Joint account with right of survivorship held by two...

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8 Types of Insurance You Can't Go Without,

Insurance is like a life jacket. It’s a bit of a nuisance when you don’t need it, but when you do need it, you’re more than thankful to have it. Without it, you could be one car wreck, illness or house fire away from drowning—not in the ocean, but in debt. But for something so essential to our financial well-being, insurance is a complicated—even uncomfortable—topic. So we’ve boiled your options down to the eight types of insurance policies you can’t go without. While each one is a must-have, you should consult an independent insurance agent to help you find the right types of insurance customized to fit your needs. Here are the eight types of...

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WHY do individuals surrender their insurance policies and HOW can they get a higher surrender…

WHY do individuals surrender their insurance policies and HOW can they get a higher surrender value? Today’s article will touch on why two individuals decided to surrender their insurance policy and how they manage to extract a higher value from their policies through fidentiaX. Here are the two actual scenarios of policyholders who sold their policies to fidentiaX: Tim owned a Single Premium endowment policy that was set to mature next year. However, Tim was to relocate overseas for work and will not be back in Singapore in the long term. Hence, he decided to surrender his endowment plan before the policy maturity date. He approached his insurance agent as well as his insurer to surrender...

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Home Insurance Policies, Seattle , SUN Insurance Agency

Home Insurance Policies Your home and personal belongings are among the most expensive items you will purchase in your lifetime. Make sure you take the necessary steps to protect your investment. Whether your home is a house, condominium, manufactured home or duplex (even if you are a renter) it is essential you are properly protected and insured. A homeowner policy is a protection package that provides coverage for your property, medical payments for others, and protection against claims someone else makes against you. This type of policy is available for primary residence homes occupied by the owners. Below are type of coverage we offer. Coverage Types: This coverage provides for the...

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Cancer Insurance Plan - Best Cancer Insurance Policies in India, Max Life

Early Stage Cancer or Carcinoma-in-Situ (CiS) 1. Lumpsum- 20% of Sum Insured (Increased Sum Assured in case the diagnosis happens after the first 12 months) 2. All the future premiums payable under the policy are waived and the policy continues. 1. 100% of Sum Insured (Increased Sum Assured in case the diagnosis happens after the first 12 months) less prior cumulative lump sum payments on the event(s) of Early Stage Cancer or Carcinoma in Situ (CiS). 2. 10% of Basic Sum Insured is payable for a period of up to 5 Income Benefit will be paid as and when due irrespective of the expiry of the Policy Term or in case of death of Policyholder. In case of death of Policyholder during Income Benefit...

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Gaining A Better Understanding Of The Words Used In Insurance Policies, Nexus

We are often familiar with terms with regard to business and general banking terms, however insurance tends to bring about a more serious connotation and may be somewhat unfamiliar to you, if you have no previous experience with regard to taking out insurance schemes. While these words used are overly difficult, a few of them are very understandable. The list below will be a useful guide for you when you’re reading through our company’s documentation and if there any further clarifications needed; you could always consult one of our experts and have a detailed discussion to have all your doubts resolved. Accidental Death Benefit- This is a special life insurance policy in Dubai, designed...

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7 Essential Insurance Policies for Skilled Nursing Facilities - Highland Risk Services

A skilled nursing facility (SNF), commonly known as a nursing home, is a living facility for elderly patients that provides around-the-clock care by skilled nurses. Whether the need for care is due to a temporary or permanent health issue, an SNF can provide a level of care that is difficult to achieve through an at-home care program, but offers a more home-like environment than what is found in a hospital. An increased quality of life is usually the goal with skilled nursing facilities, so many focus on not only on meeting their patients’ physical and medical needs, but also their emotional and psychological needs as well. Although skilled nursing facilities are an important resource for...

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Organizing Insurance Policies and Records

Organizing Insurance Policies and Records Insurance records take up space and are rarely used. Why is it so important to keep your insurance records on hand then? The truth is that sometimes we’ll need to produce insurance records with very little notice so that we can protect ourselves and our loved ones. Insurance certainly is a crucial part of modern life. Your stuff, your well-being, and your loved ones all need protecting against the unexpected. Aside from claims information, most insurance policies don’t generate a huge amount of paperwork. Since insurance records are really important pieces of paperwork, you need a solid system for keeping it all organized. A General Rule Of Thumb...

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Life insurance policies: a victory or not?, CONTRACTOR

My law school professor, who taught advanced estate planning, often said, "Life insurance, properly structured, in estate planning is the bedrock of beating up the IRS … legally." This article, based on my 50-plus years of experience, shows you why and how my old professor was then and, even today, is right. Unfortunately, my experience with real-life clients also reveals that blunders involving life insurance cause more dollars to be lost to the IRS (and the heirs of these clients) than any other area in the income tax or estate tax. This is sad and, as you will see, unnecessarily so. Why is life insurance such a powerful weapon (strategy) to enrich our clients at the expense of the IRS?...

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