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Insurance It is a good idea to fill this form in for each type of insurance you may have http://www.thefuneraldirectory.com/planityourway/pdf/piyw_insurance.pdf.e., Life, Health, Group Health (through your employer), etc. Insurance Company Name: Policy Number: Type of Policy (general, term, funeral, etc): Mailing Address: Representative’s Name: Telephone: Fax: Email: Claims Number: Is there a lien against this policy? Yes No Provide details about the person/company holding the lien against this policy: Beneficiaries names on this policy: 1) 2) 3) 4) Page 1 of 2 Forms developed by www.PlanItYourWay.com Continued on page 2 Insurance (continued) Yes No Joint policy holder’s relationship: Contact number for joint policy holder: Does your insurance make provisions for time spent in hospital? Yes No Does your insurance cover you for travelling out of state/province? Yes No Should something happen to you while travelling, would your insurance make provisions for repatriation? The purposes for this survey were to learn more about how informed undergraduate students were about their health insurance, to compare student and family knowledge, and to determine what coverage students have while here in the University Park/State College area.http://www.sa.psu.edu/sara/pulse/29-insure.pdf. Most students are covered under their family health insurance policies. A large number of both students and family members didn't know the cost of the insurance. A notable number of students and families seemed uncertain about coverage under their health insurance policies. Forty percent of the respondents were unaware that the University offered a student health insurance plan. Did Not Know About Penn State Student Health Insurance Most students did have health insurance coverage. Estimated costs paid by the families or students for their health insurance ranged from less than $20 a month to over $300 a month. A majority did not know the cost of their student health insurance. Students and family members were asked what process was required by their health insurance in order to access basic primary health services or referral to a medical specialist. Family members were asked at what age the health insurance coverage ended for their students. In all cases, family members were more aware than students: that it was necessary to first contact a designated physician for primary care services; that pre-authorization was required for emergency care and outpatient psychological services; and that their student health insurance benefits included physician visits>, hospitalization care, Respondents were asked a series of questions about health insurance coverage while ... Complete responses to the questions on this form are required to apply for OPIC insurance benefits under the FAA.http://www.opic.gov/forms/Form52_insapp_123107.pdf. The Overseas Private Investment Corporation (OPIC) requests information on this application to determine whether the Investor and the project meet eligibility requirements for insurance, specifically with regard to underwriting criteria and legislative and regulatory compliance. Misrepresentations or failure to disclose relevant information may result in the cancellation of insurance. Neither issuance of a registration letter nor acknowledgment of receipt of this application implies that the investment is eligible for political risk insurance or that a contract will be issued. Please contact an insurance officer at (202) 336-8400 if you have any questions about this application. 6) All applicants applying for OPIC insurance must sign this application in Part 12. If an Investor is applying for OPIC insurance on behalf of other eligible Investors, OPIC also will require the ultimate beneficiary Investors to sign this application. OPIC only offers insurance to Investors who, having investigated the possibility of obtaining insurance from private political risk insurers, decide to pursue OPIC insurance because private insurance is not available on terms sufficient to make the investment viable for the Investor, or because of specific If Yes, is insurance available from private political risk insurers? 7. In either event, please indicate at least two of the private market political risk insurers with which you have discussed this project. 40. OPIC seeks to ensure that American insurance companies have ... Please send all claims and inquiries to: Date, time and place of incident State the occurrence of the incident Amount Claimed Name of Payee Please give particulars of items claimed Item(s) Original Cost Date of Purchase Any other insurance policy covering the items claimed? e.http://www.insurance-pacific.com/static/DownloadForm/Travel_Ins_claim_form.pdf.g. credit card protection plan, householder all risk Yes No If yes, please provide the following information. Name of Insurance Company Class of Insurance Policy No. Remarks: Please attach the relevant supporting documents to certify the expenses/losses and incident and items of claim. Date, time and place of incident Diagnosis of conditions / Cause of injury Amount Claimed Any other insurance policy covering the expenses involved? If yes, please provide the following information. Ye s N o Name of Insurance Company Class of Insurance Policy No. Remarks: Please attach the relevant medical report and original medical expenses receipts to certify the expenses. Curtailment of Trip / Cancellation Charges Name, address, phone no. and contact person of Travel Agent Any other insurance policy covering the expenses involved? Name of Insurance Company Class of Insurance Policy No. Any other insurance policy covering the expenses involved? Date, time and place of accident State the occurrence of the accident Please give particulars of the next of kin(s) of the Insured Person. I hereby authorize any hospital, physician, or other person and/or authority who has attended or examined me, to furnish to Pacific International Insurance Co. Ltd. or its authorized representative and permit the said insurance company (or its representative) to ... Please read this before you buy insurance - it is important news from the State of Alaska Division of Insurance You are a buyer of different types of insurance.http://www.dced.state.ak.us/insurance/pub/choosing.pdf. You may have insurance on your home, your car, and your life. When you buy insurance, you need to learn about the financial condition of the insurance company. This brochure has been provided by your Division of Insurance and the National Association of Insurance Commissioners (NAIC) to help you make informed choices when shopping for insurance. Since the mid-1800s, state governments have been responsible for regulating insurance. A primary job of state insurance regulators is to make sure that the insurance company that you do business with will be around when the time comes for it to pay your claim. What is the likelihood that my insurance company will fail? Recently, insurance regulators have taken over a few companies facing economic trouble in order to protect insurance consumers. When you talk to company representatives or insurance producers, remember that they are sales people who make their living selling insurance for insurance companies. Also note that insurance purchased from an approved but nonadmitted (not licensed) insurer is not protected by the guaranty fund. The money used to pay the claims against the insolvent insurance company comes from assessments made against all of the insurance companies that are members of the guaranty fund association. In this state, residents are covered by a guaranty fund for most kinds of insurance written by an admitted (licensed) insurance company. The life/disability guaranty fund covers such products as ... Insurance Times: GUARD completes offering to raise additional surplus June 11, 2002, Vol.http://www.insurancejournal.com/pdf/InsuranceTimes_20020611_38582.pdf. XXI No. 11 WILKES-BARRE, Penn. — GUARD Financial Group, Inc., the holding company for GUARD Insurance Group, successfully completed a Private Placement Offering to raise additional surplus to fund the growth of wholly owned subsidiaries AmGUARD Insurance Co., EastGUARD Insurance Co., and NorGUARD Insurance Co. which write monoline workers' compensation insurance. GUARD commenced the Private Placement Offering of Series A Cumulative Convertible Preferred Stock in late October, 2001. As of March 20, 2002, the company has placed all of the $22 million in securities offered. All proceeds have been invested in the surplus of the insurance subsidiaries. GUARD Insurance Group's subsidiaries are collectively licensed in 26 states plus the District of Columbia and provide coverage to approximately 25,000 businesses. p During the life of the award/contract the Awardee/Contractor shall provide, pay for, and maintain insurance with companies authorized to do business in Florida, with an A.http://www.tampagov.net/dept_Purchasing/files/City_of_Tampa_Insurance_Requirements.pdf.M. All insurance shall be from responsible companies duly authorized to do business in the State of Florida. All liability policies shall provide that the City is an additional insured as to the operations of the Awardee/Contractor under the award/contract including the Additional Insured endorsement, the Waiver of Subrogation endorsement, and the Severability of Interest Provision. In lieu of the additional named insured requirement, if the Awardee/Contractor's company has a declared existing policy which precludes it from including additional insureds, the City may permit the Contractor to purchase an Owners and Contractors Protective Liability policy. The policy shall be evidenced on an insurance binder which must be effective from the date of issue until such time as a policy is in existence and shall be submitted to the City in the manner described below as applicable to certificates of insurance. The insurance coverages, limits, and endorsements required must be evidenced by a properly executed Acord 25 Certificate of Insurance form. Each Certificate must be manually signed by the Authorized Representative of the insurance company shown in the Certificate with proof that he/she is an authorized representative thereof. The insurance coverages required herein are to be primary to any insurance carried by the City or any self-insurance program thereof. Within ten working days of receipt of notification of intent to award, the ... The activities relating to all types of insurance provided in this Law, including reinsurance and the business activities of insurance agents, brokers and life insurance experts (actuaries) and any other activities pertaining to the Insurance Contract and business.http://www.usaid.gov/wbg/misc/FMI_02-07-02-_Draft_Insurance_Law_-_formatted.pdf. The person who has concluded an Insurance Contract with the Insurer or the beneficiary who has initially acquired rights under such Contract or upon whom such rights have legally devolved. The person who is authorized in writing by the insurer to carry on insurance business as agent on behalf of the Company or any branch thereof including agency for re-insurance. The person who is authorized in writing by the insured to carry on insurance brokerage business between the insurer and the insured, including reinsurance brokerage business. The Authority, upon a decision of the Board, shall appoint a life insurance expert or expert in any other type of insurance, or an auditor to audit the business of any company and to evaluate and prepare a report on the status of the business. The Authority, upon a decision of the Board, and after consultation with the insurance industry and representatives of consumers, companies, agents and brokers, shall issue a code of conduct to be observed by the aforesaid in their dealings with the insured and in setting down the conditions of the insurance contract. Any insurance contract or agreement concluded by an insurer against the condition provided by this article shall be null and void. Companies may not practice insurance business and may not be licensed unless they comply with the minimum capital ... When it’s used properly, insurance is a wise investment, especially if you’re protecting yourself against the cost of a catastrophic illness, which can devastate a family’s finances.http://www.crown.org/pamphlets/pdfs/Insurance.pdf. Unfortunately, insurance has become a means to “protect” against every possible contin-gency and a few that aren’t even possible. Some say you need enough insurance so your family will never have a financial need. Even committed Christians will use insurance funds to do things they would never consider doing with their own money. As long as there’s a need for insurance, it is most important in those situations in which a potential loss would be great. Don’t deal with a nonprofessional agent or one who sells insur-ance part time. Don’t tolerate an agent who tries to pressure you into buying more insurance than you can afford or need. Mortality represents the dollar amount of claims the company paid in relation to the amount of insurance in force. Dwelling insurance is not as comprehensive as home owner’s insurance but often it is just as expensive. Obviously, you don’t need renter’s insurance if you can afford to replace all your household furniture or cover a liability suit resulting from negligence. Almost every insurance company will raise parents’ insurance rates as soon as their sons or daughters are 16 and become licensed. This is a major concern when it comes to any type of insurance—but especially health insurance. Insurance companies also offer convertible term insurance, which lets you change your policy from term to whole life. If you find that term insurance is best for your needs, seek counsel about the various policies before buying ... While crises in the industry led to occasional calls for federal oversight, until recently, the insurance industry has joined state regulators in opposing a federal role in regulating insurance firms and markets.http://www.cei.org/pdf/4358.pdf.1 Industry opposition to federal oversight has begun to weaken, however. Concern about efficient insurance regulation does not end with the executives and owners of the insurance companies. They will exit the insurance business altogether or offer other, more lucrative types of financial services instead of insurance. The cost of insurance to policyholders will increase until the return on insurance is once again comparable to the returns available on other equally risky investments. During earlier insurance crises, state oversight of insurance company solvency was the biggest concern of reform advocates. What role, if any, will state insurance regulators play in overseeing the operations of federally chartered insurers in their jurisdictions? Second, holding insurance premiums artificially low reduces the number of insurance companies operating in a particular market. Federal Insurance Chartering: England system, consumer protection and market conduct regulation should be handled by the same regulator who oversees insurer solvency. Insurance companies must participate in guaranty systems in each state where they provide protected insurance products. Raising guaranty fund premiums charged to insurers who offer certain types of riskier policies could contribute to availability crises in some insurance markets. The primary argument in favor of creating a federal insurance guaranty system is that regulatory ... Eighty-four percent of the U.http://www.kff.org/insurance/upload/7566.pdf.S. population has health insurance, either from private or public sources.1 Health insurance plans have several common features. On the one hand, co-insurance can induce patients to use care more efficiently. On the other hand, co-insurance amounts that are too high can lead individuals to avoid medical care which is actually necessary to their health and/or impose a substantial financial burden. Very high levels of co-insurance may undermine one of the primary reasons that people insure themselves in the first place – which is protection from financial ruin if they become seriously ill. Moreover, high co-insurance amounts place a financial burden on the poorest and sickest members of society. First, to what extent do higher patient co-insurance charges reduce use of medical care? In the 1970s, the HIE randomly assigned several thousand families to insurance with varying levels of patient co-insurance, and then followed them over a five-year period to evaluate the effect on their medical utilization and health. Those who favor more patient cost sharing highlight the conclusion from the HIE that for the typical person, co-insurance in a health plan did not adversely impact health. I conclude that a careful reading of the evidence from the HIE can guide one towards structuring health insurance in a manner which can achieve the gains of patient cost sensitivity while protecting vulnerable populations against risk. The question of how patient co-insurance affects medical utilization has been a question of interest to policy-makers and researchers for many years. It would then appear that low ... When your income changes, it is very important to review your insurance coverage.http://www.extension.uiuc.edu/ruralroute/insurance.pdf. A comprehensive insurance review will help you determine whether you have adequate or perhaps too much insurance coverage. If your income decreases because of a lack of business profit, layoff, illness, disability, or premature death, your family may find it extremely difficult to pay insurance premiums. If you are not able to make a payment, you need to determine your minimum needs for insurance. It is better to self-insure against routine medical expenses and buy major medical insurance to cover unexpected, costly illnesses or emergencies. If you are unable to buy insurance due to your health status, call the state of Illinois Comprehensive Health Insurance Plan (CHIP) office for information at 1-800-962-8384. If you don’t have health insurance or can no longer pay the premiums for health insurance, there are limited health services for the elderly, disabled, children and pregnant women. Owners of whole life insurance policies can borrow against the cash value or use accumulated dividends to pay the premium to keep the insurance in effect. If you are healthy, insurable and need coverage, you may benefit from purchasing individual term life insurance. To get the most for your insurance dollars, consult "Life Insurance and Family Protection," a University of Illinois Extension 1998 fact sheet, available at your local University of Illinois Extension office or on the internet at www.aces.uiuc.edu/~vista/htm. Minimize your automobile insurance premiums by checking rates among companies, selecting a higher deductible, purchasing ... assisted the Board in understanding the nature of captive insurance regulation by State insurance regulators, and the regulatory framework for the use of insurance for financial assurance purposes under environmental law.http://www.epa.gov/efinpage/efabcaptiveinsurance.pdf. Although as a practical matter facility owner/operators may pay for closure/post-closure/corrective action as costs are incurred and not elect to draw on the insurance, the relevant federal or state regulator must have unimpeded ability to direct insurance funds as costs are incurred in the event that the policy holder defaults. While the language that must be used in an insurance policy for financial insurance is explicitly laid out in the regulations, these provisions do not impose any financial requirements or limitations on who may issue the policy. Captive insurance is used in areas other than environmental protection where corporate parent firms find it to their advantage to set up a captive to cover well-understood risks at a lower cost than purchasing insurance policies available from commercial carriers. “Captive insurance is defined as insurance issued by a wholly-owned subsidiary of the company being insured. Although we found no specific instances of financial assurance failure associated with captive insurance, States and regions remain concerned because there is no independence of risk between the corporate parent and the company insured.” We then summarize the information provided by State governmental and financial community panelists with regard to captive insurance, as well as the views of companies who now use captive insurance. Captive insurance is perceived to pose a high ... The recent spate of natural disasters has caused insurance companies to reexamine their business models for insuring natural disasters.http://www.mbaa.org/files/TheCommercialRealEstateFinancePerspective.pdf. This resulting insurance capacity loss has caused property insurance rates to spike from 100 percent to over 600 percent in certain coastal areas with heavy hurricane exposure and has put a tremendous strain on state-operated insurance pools that serve as the insurer of last resort in these areas. The distressed insurance market for natural disaster insurance has led to an insurance availability and/or affordability crisis in some states. The large discrepancy between the insured loss and total economic loss is due to the low take-up rate for earthquake insurance in California, which means that most potential earthquake losses are not insured. These higher combined ratios indicate that primary insurers (insurers that originated the insurance policy) were able to transfer through reinsurance agreements much of the liability associated with catastrophic events during these years. The insurance product lines comprising property and casualty insurance and the market conditions for property insurance lines impacted by catastrophic events are addressed below. Insurance rating agencies are also emphasizing overall catastrophic exposure in an insurer’s portfolio and encouraging insurance companies to develop strong internal catastrophic risk management programs. In order to sell insurance, an insurance company must be admitted to sell insurance in at least one state. The primary insurer can then enter into contracts with other insurance companies (reinsurance) to transfer a portion of or all of ... GAO recommends that HUD and state insurance regulators take actions to improve consumers’ ability to comparison shop for title insurance and strengthen the regulation and oversight of the title insurance market, including the collection of data on title agents’ operations.http://www.gao.gov/new.items/d07401.pdf. Although home buyers pay for title insurance premiums, they often know little about the insurers themselves or the title insurance industry. Several factors related to the way that title insurance is marketed and priced raise questions about the extent of price competition in the title insurance industry and the ability of consumers to affect market prices. Purchasing title insurance is a transaction that consumers are unfamiliar with, and it can be difficult for them to gather information on all title insurance-related costs. HUD and state insurance regulators have recently identified instances of alleged illegal activities within the title industry that appeared to compensate real estate agents, builders, and others for referring consumers to particular title insurers or agents. Fourth, title insurance has a different coverage period than other types of insurance. Finally, the title insurance market’s business cycle is more closely related to the real estate market and to interest rates than the business cycle for other types of insurance. Affiliated agents carry higher fixed costs to the insurer as owner, and underwriters told us that these costs were especially challenging when the market softened and the insurer’s tax liability for affiliated agents rose. Because title insurance premium rates depend on the amount of the loan or value of the | |
