Social Media Ideas for Policy Language

Wyden's PPLI/PPVA Deja Vu Proposal: A Tax-Shelter Narrative, a Far Broader Statutory Rule and the Continuing Importance...

On April 13, Senate Finance Committee Ranking Member Ron Wyden (D-Or.) introduced the Protecting Proper Life Insurance from Abuse Act (S. 4279).1 The bill is substantively identica...

Bad Faith and Unfair Trade Practices Claims Against Insurers in North Carolina- What Policyholders Need to Know

Your health policy got stronger

Cashless Everywhere, a three-hour discharge rule and a five-year no-rejection guarantee are now in place. Here is what each actually delivers and where enforcement lags.

Denied Life Insurance Claims: When the Insurer Wrongfully Claims a "Policy Lapse"

When a family member passes away, the last thing you expect to hear from their life insurance company is that the policy "lapsed" and no benefits will be paid. While policies can l...

An Empire-Sized Win for Policyholders- New York Bad Faith Extends Beyond First-Party Coverage

Great Expectations/Manifest Destiny: The Doctrines of Reasonable Expectations and Manifest Disregard in RWI Policy Claim...

When pursuing a representations and warranties insurance (“RWI”) claim, an insured will sometimes be confronted with a contradictory policy provision or rule of law, or both. In su...

Social Engineering Fraud and Your Crime Policy- Why Your Insurer May Deny the Claim and What You Can Do About It

Giving employee health insurance plans an add-on boost

POLICY-WISE Personal cover, riders and top-ups can help plug gaps in workplace health insurance scheme

Changes in Policy Language, Provisions Suppressing Claim Volume, Report Shows

U.S. claim volume fell 8.9% from last year, with total claims dipping 13.1% below the five-year average, despite several large catastrophe events, said a new report. Changes in pol...

Private Placement Life Insurance In Plain English

A practical primer for advisors

Sixth Circuit Raises Jurisdictional Hurdle in Insurance Coverage Dispute

Policies sold through Lloyd’s of London present distinct jurisdictional challenges. Unlike policies sold by a single insurance company, Lloyd’s policies are sold through a marketpl...

How to Choose the Right Life Insurance Policy for Your Needs!

Have you ever sat quietly and thought, “Which life insurance policy will actually suit my family and me?”  Many people feel this small confusion when they start planning their...

Illinois Court Narrows Contract Exclusion, Upholds Coverage

Policyholders facing coverage denials under directors and officers liability policies often hear the same refrain from insurers: because the underlying claims involve a contract, c...

Insurance Coverage Exclusions-Policy Interpretation

Ropicky’s home was damaged during a 2018 storm. The Cincinnati Insurance Company (Cincinnati) denied full coverage, concluding the water entered through construction defects and th...

Things to check while upgrading term insurance policy

A term insurance plan works best when it combines adequate financial protection with transparency and long-term discipline

FCA Presses Ahead with Insurance Simplification: Key Points from Consultation Paper 26/22

Maryland opens private paid family leave market to insurers with September deadline

Bundle it with life cover, sure – but miss the cutoff and you're locked out of year one

Negligent hiring claim triggers auto coverage, escapes West Virginia exclusion

One crash, two auto policies, opposite arguments - the wording decided who pays

Are Insurers Underwriting Risk or Underwriting Policyholder Independence?

For most of my career, property insurance underwriting has been understood as the business of evaluating risk. What is the building made of? Where is it located? What is its occupa...

Regulation: Regulatory Article (RA) 1210: ownership and management of operating risk (risk to life)

RA covering the ownership and management of risk to life using a standardised approach and with regard to future risks.

West Bend sues to void tree firm's policy over coverage exclusions

The insurer agreed to defend - then reserved the right to take it all back

Oklahoma high court rules insurer's policy was primary, not excess

Oklahoma's high court also drew a hard line on who can collect 15% interest

Life insurance policies explained: Types, benefits, and costs 

Life insurance is an important financial tool that helps protect families from financial hardship. It provides a payment, known as a death benefit, to beneficiaries when the insure...

Insurers rethink policy wording as AI risks rise

Coverage certainty is becoming a bigger issue for brokers and clients