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You buy life insurance to ensure your loved ones are financially secure even after your demise. The death benefit is the sum of money your insurance provider gives the beneficiary, as specified in your policy. However, there are instances when the beneficiary’s life insurance claim may be denied. This blog discusses four scenarios that may lead to the life insurance

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When you buy a life insurance policy, your age may be a significant factor that your insurance provider may consider when calculating your life insurance rates. This blog discusses how and why your premiums may increase with age and the right age to get life insurance at affordable rates. How Do Life Insurance Rates Work? Life insurance means that after

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For most people, life insurance brings peace of mind that their family will remain safe and protected even after death. But does life insurance cover natural death? The straight answer is yes. However, to avoid benefits coverage issues, you must read your policy document carefully before signing. This will ensure your beneficiaries receive all that is due. To help you

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Life insurance is an important financial tool that provides peace of mind to individuals and their loved ones. However, there are many misconceptions and myths surrounding this topic that can lead to confusion and misinformed decisions. It is crucial to have a clear understanding of what life insurance is, how it works, and what benefits it offers. In this article,

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Businesses can be of different types. For example, some businesses operate only in fixed seasons. So, when you buy business insurance, you may be in a dilemma, whether to invest in a standard annual policy or buy insurance coverage only for that particular period when you earn an income through sales of your products or services. In this blog, we

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Liability claims can be costly and lead to a substantial financial loss for your business. You must take preventive measures to ensure that your business has the least liability exposure, thus reducing the chances of liability-related losses. This blog will discuss the six mistakes that small business owners make that put their businesses at a higher risk of facing liability

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Risks in small businesses are common, usually combated with suitable insurance coverage. Business professionals need professional liability insurance policies to protect themselves and their businesses against several accountabilities. If you are a professional offering consultation services or representing clients’ interests, you should have a professional liability insurance policy. Professionals needing this policy include engineers, accountants, consultants, physical therapists, real estate

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It is compulsory to have auto insurance in almost all the states in the USA. When using vehicles for a company’s operations, you will need commercial auto insurance. But some people make mistakes when buying auto insurance. Enlisted below are some of the most common commercial auto insurance mistakes to avoid: Focusing Only On the Cost Premium amounts change from

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A business structure that includes directors and officers needs D&O insurance to shield the executives from personal exposure in lawsuits. No company plans to disappoint clients or customers, but it can happen due to poor consulting or management decisions. Here’s a look at some of the most important reasons for an enterprise to get D&O coverage. Who Needs Directors and

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Knowing the difference between claims-made and occurrence insurance can save you from making a big financial mistake. Business owners who need help understanding the difference may learn the hard way. A key distinction is that claims-made policies include professional liability and directors & officers (D&O) insurance, while occurrence policies are broader, as they have general liability. What Is an Occurrence

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