Personal Lines

A PAP is Not a Commodity: How to Make the Case

Consumer satisfaction with the personal auto insurance purchase experience hit an all-time low in 2018—and the decline is partially attributable to inadequate explanations of the tools and resources required to understand insurance premiums.

Squirrel Nest Causes Fire: Is the Loss Covered?

An insured has a dwelling fire policy written on special form. As the weather gets colder, the furnace activates, igniting a nest built by a squirrel that has taken up residence in the crawlspace where the furnace is located.

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?

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