Deciding whether to pursue a career selling property and casualty or life and health insurance is a big decision. Many prospective insurance agents wonder which license exam is more difficult and which career path offers the best opportunities. This comprehensive guide examines the key differences between property/casualty and life/health licenses to help you determine the … Read more
Sun Life is one of the largest and most trusted insurance providers in the Philippines and worldwide. As a policyholder, it’s important to understand your responsibilities, including paying your premiums on time. This article will provide an in-depth look at late payments with Sun Life and the potential impacts. Overview of Sun Life Sun Life … Read more
When selecting a health insurance plan, one of the most important decisions is choosing between a low and high deductible PPO. This article provides an in-depth overview of PPO low vs PPO high to help you make the right choice. What is a PPO Health Plan? PPO stands for Preferred Provider Organization. It is a … Read more
Insured Declared Value (IDV) is a key component of car insurance that represents the insurer’s maximum liability in case of total loss or theft. As a car ages, its IDV decreases due to depreciation. This article provides a detailed overview of how IDV decreases annually based on IRDAI’s depreciation schedule. What is IDV in Car … Read more
Equipment floater and inland marine insurance are two types of business insurance that provide specialized coverage for portable property and movable equipment. While they have some overlaps, there are also key differences between these policies. This article provides an in-depth comparison of equipment floater vs inland marine insurance. What is Equipment Floater Insurance? Equipment floater … Read more
The American Postal Workers Union (APWU) Health Plan provides comprehensive health insurance benefits to postal workers and federal employees. While it was formerly part of the Cigna network, the APWU Health Plan now uses UnitedHealthcare as its nationwide provider network. Overview of APWU Health Plan Non-profit health insurance plan exclusively for postal employees and retirees. … Read more
American General and AIG are closely connected insurance companies, but they are not exactly the same entity. American General Life Insurance Company is a subsidiary of AIG, and many of American General’s key insurance brands are owned by AIG. However, American General operates as its own insurance company with its own products and services. The … Read more
Physician assistants (PAs) have some key considerations when it comes to choosing between a preferred provider organization (PPO) and a health maintenance organization (HMO) for their health insurance. As medical professionals themselves, PAs need to weigh factors like provider networks, referrals, claim processing, and out-of-pocket costs. PPO vs HMO: Key Differences Here is a quick … Read more
Cigna is a major health insurance provider that offers comprehensive medical, dental, and supplemental health insurance plans. When it comes to their coverage area, a common question is: does Cigna cover all 50 states? The short answer is: no, Cigna does not currently offer health insurance plans in every state. However, they do have a … Read more
Lloyd’s of London has played a major role in the history and development of the insurance industry. As one of the oldest insurance markets in the world, Lloyd’s pioneered many innovations in insuring risks that helped shape the coverages we have today. The Origins of Lloyd’s in Marine Insurance The origins of Lloyd’s date back … Read more