Personal Lines

Why Do So Many Universal Life Insurance Policies Fail?

Non-guaranteed universal life insurance, also known as current assumption universal life, has been subjected to rather brutal criticism over the last few years. But how much of this condemnation is truly warranted?

Auto Zone: State of the Market

For several years, rates have been on the rise in both personal and commercial auto. As the U.S. auto insurance industry continues to transform, here’s how to hold on to your market share.

Can a Husband Remove His Wife from Their PAP?

An agency insures a husband and wife. The husband contacts the agency to request that they remove the wife, who is a named insured, from the personal auto policy. What is the agency’s responsibility to the wife?

Getting Warmer: Insurance and Climate Change

The accelerating rise in global temperatures is increasing the likelihood of extreme weather events, leading prominent members of the insurance industry to start taking climate change seriously.

Are Your Homeowners Clients Adequately Prepared for Water Losses?

Considering water damage is the leading cause of property losses for homeowners, it’s crucial to help your personal lines clients not only obtain the right insurance coverage, but also take important risk mitigation steps to prevent claims from happening

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