Insurance Law
| Indemnity vs. Liability Policies |
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| Indemnity policies More... |
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| False Claims by Insured |
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| Various statutes prohibit the submission of false or fraudulent claims or evidence in connection with insurance claims. A person who commits such fraud may be subject either to civil liability to an insurer or to prosecution for a crime.
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| Treatment of Annuities as Securities |
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| Variable annuities are differentiated from fixed annuities by virtue of how the benefits are funded. In a traditional fixed annuity, an annuitant pays a premium(s) and is guaranteed a certain rate of return over a life expectancy; thus, benefit payments can be determined with precision. In a variable annuity, premium payments are held in a separate account or accounts. More... |
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| The Use of Life Insurance in Planning an Estate |
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| Life insurance can be a valuable tool in planning for the future of one's children and in balancing distribution of assets. More... |
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| Types of Disability Coverage in Life and Health Insurance |
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| The definition of "disability" is subjective because some people can work without complaint with a condition that would disable and incapacitate others. A typical life and health insurance policy may define disability insurance as including insurance related to injury, disablement, or death resulting to the insured from accidents or sickness.
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