| Diability Insurance While Employed |
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| If an insured becomes totally disabled, he may recover payments under his disability insurance policy during his period of disability. One factor that is used to determine the insured's eligibility for such payments is his ability to work. If he has the ability to engage in substantially gainful employment, for example, he may be denied coverage. Also, if he actually obtains employment, he may also be denied coverage. This articles addresses situations in which the insured may or may not be entitled to disability payments if he actually obtains employment.More... |
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| Insurer Insolvency Proceedings |
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| The insurance industry is heavily regulated in order to protect insureds, creditors of insurers, and the general public. Such protection is needed due to the potential for insurers to become insolvent. Extensive statutes have been enacted in relation to the operation and solvency of insurers. Their provisions relate to the types of proceedings that may be initiated in response to an insurer's financial difficulties. Such proceedings include summary and delinquency proceedings.More... |
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| No Life Insurance Beneficiary Designation |
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| If an insured obtains a life insurance policy, he has the responsibility to designate an eligible beneficiary to receive the proceeds of the policy upon his death. Situations arise, however, where the insured either fails to make any designation of beneficiary or revokes his designation and fails to make a new one. More... |
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| The Standard Aviation Insurance Policy |
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| Aviation insurance generally concerns insurance for aviation liability, aviation hulls or aircraft, airport owners and operators, and aviation manufacturers. These categories of risk may be covered in one or more policies. Such policies contain types of provisions found in most insurance contracts, although the specific provisions vary from standard provisions to take into account unique aspects of the aviation industry.More... |
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| The Appraisal Clause in Insurance Policies |
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| Fire insurance and many other kinds of insurance policies contain appraisal clauses. Such clauses are included in form fire insurance policies required by state insurance regulators and are included in various other policy forms covering losses to property.More... |
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