This document is a Certificate of Insurance that provides professional liability insurance coverage to Michael C Torres. The coverage is for claims made between April 1, 2016 and April 1, 2017 for issues related to life, accident, health, long term care, and disability insurance. The limits of liability are $1 million per claim and $1 million in the annual aggregate. The retention amount for each claim is $1,000 except for Medicare Advantage and Medicare Supplemental which is also $1,000.
A PowerPoint overview of New York No-Fault Law, including the background of the law and regulation, an explanation of the scope of coverage, exclusions and benefits, and exploration of several issues, including notice and claims handling.
[Insurance] Mortgage Creditor vs. Term LifeJoseph White
The general consensus is that term life insurance is a better option for the borrower than mortgage creditor insurance for several of the reasons. However, better coverage is only applicable when the term insurance is in force. On average, only about 20% of mortgage brokers’ clients actually take mortgage creditor insurance. Quite often, this is due to the borrower indicating that he or she currently has adequate insurance or that he or she feels that insurance is not required under his or her circumstances. Since the mortgage broker is not a licensed life insurance representative he or she cannot determine whether those statements are accurate.
AARP Mortgage Life Insurance For Senior Citizens, Home loan life programs are those guidelines which you pay into for a specified period of time. Find more here: http://cheaplifeinsurancein2min.com/mortgage-life-insurance-for-senior-citizens/
LIC's new money back plan, an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. know more about this plan.
LIC's Jeevan Shagun is a participating, non-linked, savings cum protection single premium plan wherein the risk cover is a multiple of single premium.
The proposer will have an option to choose the Maturity Sum Assured. The single premium payable (exclusive of service tax) shall depend on the chosen amount of Maturity Sum Assured and age of the life assured.
A percentage of Maturity Sum Assured shall be payable on surviving to the end of the specified durations and on maturity. This plan also takes care of liquidity need through its loan facility. The plan will be open for sale for a maximum period of 90 days from the date of launch.
Guide to Long Term Disability in OntarioPage1content
Long term disability coverage can be tricky to navigate, especially when you're in poor health and trying to adjust to life changes resulting from a catastrophic injury. This guide provides an overview of long term disability coverage and how a lawyer can help you get the benefits you are entitled to.
HealthCompare Insurance - Understanding other types of insuranceHealth Compare
Understanding your options when it comes to Health Plans or Health Insurance can be a complicated experience, especially if you are unfamiliar with your options. HealthCompare has put together this slideshare to help you navigate and know your options. Learn more at HealthCompare.com
Internet
Desarrollo tecnológico.
Inicio de Internet.
Impacto social.
Uso del Internet para fines persuasivos.
Beneficios y consecuencias de Internet.
Linea del tiempo de Internet.
A PowerPoint overview of New York No-Fault Law, including the background of the law and regulation, an explanation of the scope of coverage, exclusions and benefits, and exploration of several issues, including notice and claims handling.
[Insurance] Mortgage Creditor vs. Term LifeJoseph White
The general consensus is that term life insurance is a better option for the borrower than mortgage creditor insurance for several of the reasons. However, better coverage is only applicable when the term insurance is in force. On average, only about 20% of mortgage brokers’ clients actually take mortgage creditor insurance. Quite often, this is due to the borrower indicating that he or she currently has adequate insurance or that he or she feels that insurance is not required under his or her circumstances. Since the mortgage broker is not a licensed life insurance representative he or she cannot determine whether those statements are accurate.
AARP Mortgage Life Insurance For Senior Citizens, Home loan life programs are those guidelines which you pay into for a specified period of time. Find more here: http://cheaplifeinsurancein2min.com/mortgage-life-insurance-for-senior-citizens/
LIC's new money back plan, an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. know more about this plan.
LIC's Jeevan Shagun is a participating, non-linked, savings cum protection single premium plan wherein the risk cover is a multiple of single premium.
The proposer will have an option to choose the Maturity Sum Assured. The single premium payable (exclusive of service tax) shall depend on the chosen amount of Maturity Sum Assured and age of the life assured.
A percentage of Maturity Sum Assured shall be payable on surviving to the end of the specified durations and on maturity. This plan also takes care of liquidity need through its loan facility. The plan will be open for sale for a maximum period of 90 days from the date of launch.
Guide to Long Term Disability in OntarioPage1content
Long term disability coverage can be tricky to navigate, especially when you're in poor health and trying to adjust to life changes resulting from a catastrophic injury. This guide provides an overview of long term disability coverage and how a lawyer can help you get the benefits you are entitled to.
HealthCompare Insurance - Understanding other types of insuranceHealth Compare
Understanding your options when it comes to Health Plans or Health Insurance can be a complicated experience, especially if you are unfamiliar with your options. HealthCompare has put together this slideshare to help you navigate and know your options. Learn more at HealthCompare.com
Internet
Desarrollo tecnológico.
Inicio de Internet.
Impacto social.
Uso del Internet para fines persuasivos.
Beneficios y consecuencias de Internet.
Linea del tiempo de Internet.
Professional Liability Insurance Demystifiedntoscano50
Topics will include:
• Do you know the difference between Occurrence vs. Claims Made policies?
• Sexual Molestation/Abuse Coverage...Are you protected?
• HIPAA notices and Board Complaints...How to navigate
I recently returned from the MDRT meeting in Vancouver BC, many of the "big hitters" are using the "Living Benefit" policies because of the "added value" they bring to the client along with "something new and different" to the insurance discussion ( i.e. do you have the "old" insurance or the "new" insurance? etc.) They also mentioned the statistic that 80% of the people will have a Heart, Stroke, or Cancer concerns ( Critical Illness) in their lifetime.
Self-Insured Retentions Part 2: An Examination of the Uses and Problems (from...NationalUnderwriter
This second and concluding part of the discussion on self-insured retentions first itemizes the points that should be
considered when either drafting or accepting SIRs. The discussion then addresses some additional problem areas not only with self-insured retentions having to do with primary liability policies, but also with the SIR feature of umbrella policies. It is not unusual, furthermore, for litigants, among others, to confuse deductibles with self-insured retentions, and there are differences, as one case discussed points out. In light of the fact that self-insured retentions also are growing, it also is important that parties to a contract are informed of their existence. To not do so, could end up with the accusation of failure to procure the proper insurance and, of course, such a breach is not covered by liability policies. It is for this reason that perhaps insurance certificates should be amended to insert room to notify (and warn) certificate holders of an SIR existence.
Assignment 7, Chapter 15 NAME _______________________________
FIN 3610
1. a. Explain the various definitions of disability that are found in disability-income insurance. Not sure about the answer
The definition of total disability is stated in the policy. There are several definitions of total disability:
(1) Inability to perform all duties of the insured’s own occupation
(2) Most insurers today use amodified own occupationdefinition of total disability. Because of injury or sickness, you are unable to perform the material and substantial duties of your own occupation, and are not engaged in any other occupation.
(3) Inability to perform the duties of any occupation for which the insured is reasonably fitted by education, training, and experience
(4) Inability to perform the duties of any gainful occupation
(5) Loss-of-income test in some companies
Some individual disability income policies have a two-part definition. For some initial period of disability, such as two to five years, total disability is defined in terms of your own occupation. After the initial period of disability expires, the any occupation definition of disability is applied.
b. Briefly explain the following disability-income insurance provisions: Residual disability, Benefit period, Elimination period, Waiver of premium. Not sure about the answer
(1) Residual disability means that a pro rata disability benefit is paid to an insured whose earned income is reduced because of an accident or sickness.
(2) The benefit period is the length of time that disability benefits are payable after the elimination period is met.
(3) An elimination period is a waiting period during which time benefits are not paid. Insurers offer a range of benefit periods, such as 30, 60, 90, 180, or 365 days.
(4) Most policies include a waiver-of-premium provision. The insured must meet the definition of disability stated in the policy. If the insured is totally disabled for 90 days, future premiums will be waived as long as the insured remains disabled.
2. Identify five major provisions of the Affordable Care Act that will have an impact on individuals and families. Document your source and attach a copy of your information.
Need plz Document your source and attach a copy of your information.
Plz look for website about these info.
Provisions in the Affordable Care Act that will affect individuals and families include the following:
Individual mandate. Beginning in 2014, most citizens in the United States and legal residents must have qualifying health insurance or pay a financial penalty.
Preexisting conditions exclusions prohibited. Children under age 19 with a preexisting condition cannot be denied coverage or rated up because of a preexisting condition. Beginning in 2014, adults cannot be denied coverage or rated up because of a preexisting condition.
Retention of coverage until age 26. The new law allows young adults to remain on their parents’ policy until age 26.
Guaranteed acces ...
(http://optimuminsurance.com.au/ProductsServices/ProfessionalRisksInsurance/ProfessionalIndemnityInsurance.aspx) - Professional indemnity insurance policies protect an individual and/or company from claims made against them by a third party for financial compensation arising from a breach of their professional duty.It's essential protection for professional consultants who provide a service, including design and advice.
Spencer Lodge Fund Advisers Dubai Life Insurance. Spencer Lodge MD of Fund Advisers Dubai Universal life insurance offers you the freedom to increase or decrease your policy’s death benefit to fit your individual needs. Policies have minimum and maximum premium amounts that you must meet to maintain your coverage, but the timing of payments can be flexible. Access to cash values Universal life insurance policies have a cash value that has the potential to increase over time. If financial needs arise, you can tap into your policy by taking tax-advantaged policy loans and making partial withdrawals without income taxes.