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Life Insurance Basics: Term vs. Whole Life

Any general discussion of life insurance should begin with the observation that the life insurance industry in the United States has been transformed over the past 30 years or so.…

Books as the foundation of knowledge

Life Insurance Basics: Varieties of Whole Life

Students of insurance are sometimes dismayed to discover that there are no fewer than four basic kinds of whole life insurance: traditional (participating and non-participating), universal, variable, and variable universal,…

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Tax Benefits of Life Insurance

Cash-value life insurance has a substantial savings or investment element that can’t be ignored entirely if the tax laws are to operate fairly. So life insurance is subject to special…

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Workers Compensation and Illegal Immigrants

One of the few email discussion lists I participate in is a Yahoo! Groups list called “RiskList.” Recently, the topic of discussion was illegal aliens and workers compensation. Some of…

Monitoring the Mod

In your agency, I bet it is common practice to review renewals 6-8 months in advance, right? Right! (he says sarcastically)  Well, if the workers compensation is experience rated, there…

More NCCI Experience Mod Q&A

Our “Ask an Expert” service got this question recently: “I have a customer that has not had a workers comp loss in over 8 years. How do you explain that…

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Understanding Medicare

With an aging population, do you understand what Medicare is all about if asked by a customer? What does it cover? What does it NOT cover? When can someone enroll?…

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When Prescription Coverage Is Not Good!

Many insureds receive an increase in benefits when a health insurance policy adds prescription coverage to the benefits that had already been granted. Other insureds may be surprised to find…

NCCI Experience Mod Q&A

​​​Numerous questions arrive at the VU about workers compensation modifications. Be sure to use the VU search function to find several articles on this subject, including calculations and correcting errors.…

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