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Liability polices are insurance products that provide insurance cover for the damages awarded and the legal costs of claims made against your business under liability law.http://www.dti.gov.uk/files/file33022.pdf. Insurance contracts are drawn up under the principle of “utmost good faith”, as insurers must be fully aware of the nature of the risk that they are insuring. EL insurance does not cover exposure to nuclear radiation or risks which should be covered by motor insurance. Liability insurances such as EL and PL/Products can be purchased on their own or as part of insurance packages that include other commercial insurances such as insurance for buildings and contents, money and business interruption. Whilst you may be able to get liability cover directly from some insurers for a construction business it is probably best to seek the advice of an insurance agent or intermediary. ADDITIONAL PREMIUM: A premium payable by the insured as a result of a change in policy cover or declaration adjustment to reflecting increased exposure or sums insured. AGENT: One who introduces a business to an insurer for commission, but can continue to act as an intermediary between the insurers and the insured. AGGREGATE LIMIT OF INDEMNITY: The maximum amount an insurer will pay under a policy in respect of all accumulated claims arising within a specified period of insurance. ASSURANCE: A term interchangeable with insurance but generally used in connection with life cover as assurance implies the certainty of an event and insurance the probability. BROKER: An intermediary who acts as an agent for insurers and on behalf of the insured who is regulated by a professional body and ... Any dependent age 18 or older requesting insurance must sign and date his/her form.http://www.busfin.uga.edu/forms/metlife_soh.pdf. Upon completion of the Proposed Insured Information, detach the Consumer Privacy Notice and retain for your records. NOTE to Employer: Please mail fully completed forms to: Metropolitan Life Insurance Company Statement of Health Unit P.O. New York [only applies to Accident and Health Benefits (AD&D/Disability/Dental)]: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, Massachusetts: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, and may subject such person to criminal and civil Oklahoma: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. Kansas and Oregon: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto may be guilty of insurance fraud, and may be subject to criminal and ... Complete this form only if the children involved in this action are applying for or receiving AFDC or Medi-Cal.http://www.dhs.ca.gov/publications/forms/pdf/dhs6110.pdf. Send to the California Department of Health Services once the noncustodial parent health insurance coverage for the dependent child(ren) is obtained and verified. If additional insurance coverage (medical, dental, and/or vision) is being provided, please complete the back of this form. 22. Complete street address of insurance company or union (address where claims are mailed) City Complete street address of insurance company or union (address where claims are mailed) City State ZIP code Complete street address of insurance company or union (address where claims are mailed) City State ZIP code Complete street address of insurance company or union (address where claims are mailed) City IMPORTANT: All Medi-Cal eligibles must irrevocably assign the benefits of any contractual or legal entitlement for health care to the California Department of Health Services. Assignment of medical rights allows the California Department of Health Services to code Medi-Cal cards and recover funds from insurance companies when the Medi-Cal program pays for medical services which could be billed to other health insurance plans. All information is mandatory. The information requested is necessary to effect utilization of health insurance or other contractual or legal entitlements as provided in Welfare and Institutions Code, Sections 10020 through 10025, 11490, 14024, 14103, and 14124.70, with persons liable thereunder. Please note that under the authority of Welfare and Institutions Code, Section 14100.2, and in order to comply with ... Insurance companies offer a variety of products aimed at transferring the financial risk of a certain event, such as personal injury or damage to property, from the insured to the insurer.http://www.fincen.gov/sarforinsurancecompany.pdf. Some insurance companies sell their products through direct marketing in which the insurance company sells a policy directly to the insured. Captive agents generally represent only one insurance company or group of affiliated companies; independent agents may represent a variety of insurance carriers. Insurance agents and brokers will play an important role in the effective operation of an insurance company’s obligation to report suspicious transactions. For example, reinsurance and retrocession contracts and treaties are arrangements between insurance companies by which they reallocate risks within the insurance industry and do not involve transactions with customers. That exception clarifies that insurance agents and insurance brokers are not required under the final rule to report suspicious transactions. In addition, the definition of an insurance company refers only to the business of issuing or underwriting certain kinds of insurance products and, therefore, does not cover the reinsuring or retrocession of insurance products. The definition also incorporates a functional approach, and encompasses any insurance product having the same kinds of features that make permanent life insurance and annuity products more at risk of being used for money laundering. Section 103.16(b)(3) provides that an insurance company is responsible for reporting suspicious transactions conducted through its insurance agents and insurance ... We do this in return for the application of the Policyholder, and the required individual applications for life insurance coverage on the Insureds and for the payment of the premiums.http://www.nebraska.edu/hr/benefits_life.pdf. If a beneficiary dies at the same time as the insured employee, or within 15 days after, we will pay as if that beneficiary predeceased the insured. Before insurance is effective for an employee application must be made, and if applicable, we must approve any required evidence of insurability. When the amount of insurance changes due to: a change in the schedule of benefits, the new insurance will start on the effective date shown in the schedule of benefits. When insurance stops because an insured: is no longer employed; or changes class, the insured can convert this insurance to an individual policy without providing evidence of insurability. If an insured has a terminal illness, the owner can ask us to advance up to 75% of the amount of life insurance. Certificate We will furnish each insured employee a certificate of insurance describing the insurance provided by the master policy. If any of them are not, we may have the right to void the insurance and send back all premiums for that insurance. Misstatement Of Age If the age of an insured has been misstated, we will adjust benefits and premiums based on the insured's true age. For all persons insured after the policy date, premiums start after insurance starts based on how often premiums are paid. We will waive premiums for an insured employee's life insurance while he or she is totally disabled. When all insurance on the spouse stops, the insured spouse can buy an individual policy with ... The FGCU Intercollegiate Athletic Department requires that all student-athletes have personal primary insurance coverage that will cover intercollegiate athletic injuries.http://www.fgcu.edu/athletics/SportsMed/files/NewInsuranceClaimGuidelines.pdf. Do not cancel your son/daughter from your primary health insurance as the FGCU Intercollegiate Athletic Department carries accidental medical coverage only on student athletes. This policy is secondary to the student-athlete’s personal insurance and only covers supervised activities within intercollegiate athletics. This policy will not cover if there is no primary insurance. If medical referral is deemed necessary, the student-athlete will be given an appointment with an FGCU team physician and will take all insurance information with them. The student-athlete’s personal insurance will be primary and the FGCU accidental medical policy will be secondary. If there are any co-pays or deductibles for the student-athlete’s personal insurance, the FGCU accidental medical policy will cover providing the claim meets policy terms and conditions. These charges should be billed directly to the FGCU athletic department’s insurance company or if paid can be reimbursed by the FGCU athletic department’s insurance company with proper documentation. The FGCU accidental insurance policy will only cover injuries, sustained during intercollegiate activities, which are supervised by a member of the FGCU coaching staff. All injuries that meet policy terms and conditions shall have a medical injury “Proof of Loss” form completed and forwarded to the FGCU athletic department’s insurance company along with a copy of the student-athlete’s insurance information (signed ... The NCUA Board adopted a proposed rule to amend the share insurance rules as they apply to the share insurance official sign.http://www.cuna.org/download/rcc_070506.pdf. The proposal incorporates recent changes that were included in the deposit insurance reform law that Congress passed last year. The deposit insurance reform law also included a number of other share insurance changes, such as increasing the share insurance limit for certain retirement accounts from $100,000 to $250,000. The deposit insurance law passed by Congress last year amends the share insurance provisions of the FCUA in the following ways: Beginning in 2010, and for each five-year period thereafter, NCUA and the FDIC will jointly consider whether the SMSIA and the standard maximum deposit insurance amount (SMDIA) should be adjusted (the SMDIA is the NCUA will provide “pass-through” share insurance coverage in any employee benefit plan account, which means the insurance coverage will be assigned on a per-participant basis. Acceptance of employee benefit plan funds are limited to insured credit unions that are “well capitalized” or “adequately capitalized” under prompt corrective action. The share insurance limit for certain retirement accounts will be increased from $100,000 to $250,000. Requires changes to the share insurance and deposit insurance official signs to indicate the new insurance limits and that funds are backed by the full faith and credit of the United States Government. NCUA has now issued a proposed rule to implement the change in the deposit insurance law that requires changes to the share insurance official sign. As required under the deposit reform law, the NCUA share ... BEST The ZOA Members’ Insurance Program provides high-quality insurance plans at affordable group rates.http://www.zoa.org/images/1105-AP-ZOA-BR.pdf. This impressive collection of insurance plans (featuring strong, long-established national insurance carriers) offers coverage with extensive options that can be tailored to your needs and budget. Catastrophic Major Medical Catastrophic Major Medical Insurance is a supplemental medical coverage designed to cover those additional medical expenses not normally covered by your basic health insurance plan, especially if you or a dependent is struck by a major sickness or injury. Medicare Supplement Unfortunately, Medicare was never intended to cover all of your health care costs. Medicare Supplement Plans help to fill the gaps in your Medicare coverage. Long Term Care Our plans include coverage for nursing home, home health care and adult day care benefits. Qualified plans may be tax deductible. Accidental Death & Dismemberment We understand the emotional and financial burden an unexpected death or disabling injury can have on a family. Because protecting those you love is so important, ZOA has made arrangements to provide benefits, payable for a covered fatal accident. Term Life This plan provides the protection you need to help ensure your family’s financial security even in the face of adversity. Nothing can replace the loss of a loved one, but carefully chosen Life Insurance coverage can help ease the financial strain that death brings to a family. Insurance Program Administered by Selman & Company Plans may vary and may not be available in all states. For additional information (including features, costs, eligibility, ... STOP! Before you sign any papers or write a CONFIRM! The insurance agent and insurance company are properly licensed! Long Term Care policies vary widely in benefits, eligibility and cost.. Shopping for insurance can be as easy as shopping for a sofa or a stove… if you know what you want. It is important to educate yourself about policy options before you talk to a salesperson. Call the Arizona Department of Insurance (602-364-2499) for a free Long Term Care Shopper’s Guide! To learn about the Long Term Care products offered by these insurers, contact their local insurance agent: Shop around for an insurance agent and an insurance company. Ask friends, family or neighbors if they recommend their insurance agent or company. Compare several different products from several different insurance companies. Verify that the agent and insurer are licensed! Carefully compare the benefits and restrictions between policies. Never pay insurance premiums in cash; do not make checks payable to the insurance agent. The Arizona Department of Insurance is an Equal Employment Opportunity agency that complies with the Americans with Disabilities Act ("ADA") and the Arizonans with Disabilities Act. Loss Ratio is less than -1000% or greater than 1000% Company American Zurich Insurance Company Americas Surplus Lines Insurance Company Amerin Guaranty Corporation Amerisure Insurance Company AMEX Assurance Company Amica Mutual Insurance Company Amwest Surety Insurance Company Anthem Insurance Companies, Inc.http://www.doi.state.ms.us/midannualreports/midannualreport97.pdf. Loss Ratio is less than -1000% or greater than 1000% Company Bituminous Fire & Marine Insurance Company Boston Old Colony Insurance Company Brotherhood Mutual Insurance Company Business Insurance Company C.P.A. Insurance Company California Indemnity Insurance Company Calvert Insurance Company Cambridge Mutual Fire Insurance Company Loss Ratio is less than -1000% or greater than 1000% Company Century Reinsurance Company Century-National Insurance Company Charter Oak Fire Insurance Company, The Chartwell Reinsurance Company Chicago Insurance Company Chrysler Insurance Company Chubb Lloyd's Insurance Company of Texas Church Mutual Insurance Company Loss Ratio is less than -1000% or greater than 1000% Company Colonial Insurance Company of Wisconsin Colonial Penn Franklin Insurance Company Colonial Penn Insurance Company Columbia Mutual Insurance Company Commerce and Industry Insurance Company Commercial Casualty Insurance Company Commercial Compensation Insurance Company Loss Ratio is less than -1000% or greater than 1000% Company Cotton States Mutual Insurance Company Credit General Insurance Company Cumberland Surety Insurance Company, Inc. CUMIS Insurance Society, Inc. Cypress Insurance Company Dairyland Insurance Company Deerbrook Insurance Company Delta Fire & Casualty Insurance Co. Loss Ratio is less than -1000% or ... Your insurance will end in accord with the "When Your Insurance Ends" provision on page 4.http://www.michigan.gov/documents/GroupLifeInsurance_58667_7.pdf. YOUR DEPENDENT: A person insured under the policy in accord with the dependent insurance provision of this Certificate-Booklet. When Your Insurance Begins Your insurance begins on the first day you are actively at work at your: (a) regular job; and (b) customary place of employment or other location to which you must travel to perform your regular job. If you are not actively at work on the day your insurance would otherwise begin, your insurance will not begin until the day you return to active work. SELF-PAY DURING LAYOFF OR LEAVE If your insurance ends because you are on a temporary layoff or authorized leave of absence, you may still continue to have life insurance coverage for up to 12 to 36 months depending on your bargaining unit if you agree to self-pay premiums in accordance with the State’s direct Your amount of life insurance as a RETIRED employee is 25% of your life insurance in force immediately prior to your retirement. United will pay you the amount of life insurance for your insured dependent immediately upon receipt at our Home Office of proof that the death occurred while the policy was in force. A. If your group life insurance ends because of separation from State service or because you enter a class which provides a lower benefit, you may apply for an individual policy of life insurance (called a conversion policy) without giving information about your health. B. If you have been insured at least three years and your group life insurance ends (1) because the policy is discontinued or (2) because the class ... Monthly premium — 1.http://www.weizmann.ac.il/feinberg/tofeseng.pdf.5% of the basic stipend, paid monthly The inception date of the insurance is as specified in the insurance schedule, or on the payment date of the first premium, whichever is later Are you insured by another company? I am aware that a false declaration is liable to exempt “Menorah” from paying the Sum Insured according to the law. I, the undersigned, the applicant for insurance and/or for policy ownership, hereby apply to the insurer to insure my life according to the specifications in this form (hereinafter: “the Proposal”). B. All answers given in the Proposal and/or in the Health Declaration and all other information that shall be provided to the insurer in writing, and the insurer’s customary conditions in this regard, shall serve as a basis for the insurance contract between me and the insurer and shall constitute an integral part thereof. C. I hereby acknowledge and agree that the acceptance or rejection of this Proposal is at the sole discretion of the insurer, and that the insurer is entitled to reject the Proposal without providing any explanation for its decision. D. I/We are aware that the insurance contract shall take effect only after the company has given written confirmation of the applicant’s acceptance for insurance and after the first premium has been paid in full, and on condition that there has been no change in the insured’s state of health between the date he/she signed the Health Declaration or underwent a medical examination until the date he/she received written confirmation of his/her acceptance for insurance. I am aware that this information is being ... Jr.., and Maryland Attorney General J. Joseph Curran today announced the end of one of the state's most egregious insurance fraud cases in recent years. The case involves Charles L. Burton,33, of Mitchellville, Prince George's County, who pled guilty to felony insurance theft for stealing $268,000 from 12 insurance companies from February 2000 through March 2003. Burton received the money as settlement from insurance claims he made for reporting automobile accidents that never occurred. "The investigation and successful prosecution of this case and others is a prime example of the hard work of the Insurance Fraud Division (IFD) whose goal is to protect Maryland citizens and insurance policyholders," Commissioner Redmer said. "The IFD is a special initiative of the Maryland Insurance Administration, the State Police who investigate alleged insurance fraud, and the Office of the Attorney General who prosecutes the offenders. Insurance fraud costs insurance companies and their policyholders millions of dollars each year, so every time a case is closed, Maryland citizens win." "Contrary to what many believe," Attorney General J. Joseph Curran said, "insurance fraud is not a victimless crime. This type of scam directly affects the rates that law abiding Maryland citizens must pay for their automobile insurance." He offered money to some who would turn over their insurance information so he could make a claim against them and used other insurance information from unsuspecting victims who didn't know he was involving them in his staged accidents. He often reported accidents to the insurance policy of the same car, but sometimes ... Many states have adopted laws that give prosecutors greater ability to convict insurance fraud criminals.http://www.insurancecouncil.org/images/fraud1.pdf. Pen-alties have also increased, including stiff prison sentences and disallowing insurers who have committed fraud to return to the insurance industry. In Texas, the Texas Committee on Insurance Fraud was specifically formed to create a more effective means for prosecuting insurance fraud criminals to help reduce pre-miums. It is a coordinated effort by the Texas insurance industry with numerous state agencies, county agencies and national organizations to combat insurance fraud. You can help fight back against insurance fraud: Make sure the informa-tion you provide to your insurer is accurate. Insurance Fraud is one of the largest and costliest crimes in America. Insurance fraud occurs when a person deceives his or her insurance provider or when an agent or insurance company defrauds customers. The Effects of Insurance Fraud About 10 percent of insurance claims are believed fraudulent. Approximately $300 of a consumer’s yearly premium is used to investigate and handle fraudulent insurance claims. Insurance Fraud also causes consumer goods and services to rise in cost because of higher premiums for busi-nesses. Criminals who commit insurance fraud are not just stealing from insurance companies; they are stealing from everyone. While some are “little white lies” told to an agent or insurance com-pany, others are directed at trying to swindle consumers or insurers out of thousands or even millions of dollars. Keep your insurance policy numbers se-cret; otherwise, insurance crooks can steal them and involve you in scams. Protective Life Corporation Post Office Box 2606 Birmingham, AL 35202 205-268-1000 FOR IMMEDIATE RELEASE PROTECTIVE ANNOUNCES WEBCAST OF JOHN D.http://www.protective.com/PDF/KBWpressrelease20070829.pdf. JOHNS’ PRESENTATION AT INSURANCE CONFERENCE BIRMINGHAM, Alabama, (August 29, 2007) Protective Life Corporation (NYSE:PL) today announced that John D. Johns, Chairman, President and Chief Executive Officer of the Company, will be presenting at the Keefe, Bruyette & Woods 2007 Insurance Conference being held in New York City, NY. Mr. Johns’ presentation will be September 5, 2007, at 8:15 a.m. Eastern. A simultaneous webcast of the presentation, along with related slides, will be available through links on Protective’s corporate website at http://www.protective.com. The replay of the webcast will be available at the same website for a period of 60 days. Protective Life Corporation provides financial services through the production, distribution and administration of insurance and investment products throughout the United States. It has annual revenues of approximately $2.7 billion and as of June 30, 2007 had assets of approximately $40.2 billion. CONTACT: Rob Shirley | |
