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Title Insurance Products & Services From Old Republic
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We provide a complete line of
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insurance products and services through a national network of branch offices,
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Do I need Title Insurance?
Most definitely! It is a means of protecting
yourself from financial loss in the event that problems develop
regarding the rights to ownership of your property. To
learn more, see our Title
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Results from search: http://www.oldwest.org/
Old West Living History Foundation
Fast Guide
General Info
Insurance
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Dedicated to the men, women, children and organizations who keep the historical and cultural heritage of the American Frontier alive through their LIVING HISTORY events, exhibitions, reenactments and performances of the OLD, WILD and WOOLY WEST
This site was last modified February 21, 2001. If you have visited us prior to that time please hit reload now.
Welcome to the Old West Living History Foundation . We are not an insurance company. We're a national/international
organization of living history enthusiasts & participants who celebrate the spirit & legends of the 1800's American Frontier.
We are men, women, children, merchants, craftspeople, reenactors, actors, film makers & event producers. We participate in private
& public functions, parades, Living History events, Old West theme parks, wild west stunt shows, stunt schools, Rendezvous, Pow Wows,
Wagon Trains, large reenactment groups & military unit activities, stunt shows, commercials, TV shows, films & major motion pictures.
We are an inclusive organization & we welcome all who are interested in Living History. We work to increase awareness in safety,
our historical heritage, the authenticity of our time period, wardrobe & historical presentations. We do this by setting good
examples and providing education through the promotion of events, fellowship and publications.
We began on faith, hope & a prayer in September, 1996 with one member... Dusty Webb. As of February 20, 2001, I am proud to
announce that we have registered over 6,500 members in 47 American States, Canadian Provinces, Wyhl, Germany, Kaitoke, New Zealand,
Sidney, Australia, Joppe, The Netherlands & London, England. As of March 1, 2001 we will be offering membership services to
the world. Please contact us regarding membership in Europe, Japan or other homelands on our great planet. We wish to extend a
hardy welcome to all.
On June 16, 17, 18, 2000 the OWLHF co-sponsoring through our members insurance coverage the Mid-America Battle Reenactment at
Wilson Creek (Springfield, Missouri). They had over 5,000 federal, confederate and civilian reenactors on the battlefield. This was
the largest Living History Reenactment in the year 2,000. We are proud to have been part of this Living History event.
Our goal is to preserve historical heritage, the pioneer spirit, the cultures of the indigenous people & the legends of the
American Frontier. Through our portrayal of historical events, living history unfolds a wealth of education and values. It was a
time of great exploration, personal risks, hardships and bountiful success. This was the day of the Native Americans, mountainmen,
pioneers, wagon trains, pony express, railroads, new settlements, hunters, sportsmen, soldiers, politicians, outlaws & lawmen.
There was much conflict in the Old West. Many men lived by the gun and died by the gun. Samuel Colt patented his revolver in 1835,
which changed the Frontier. The revolving six shooter was a new concept in firearms. Someone talking about Colt's revolvers was reported
to have said, 'God created man, but it was Sam Colt who made them equal.' Some referred to the new gun as 'Judge Colt and his jury of
six.' There was swift justice or injustice in the Old West.
We moved west and discovered a wealth of beauty & an abundance of resources in the American Frontier. Conflict erupted resulting
in war between brothers, good people & nations. Great people like Thomas Jefferson, Lewis & Clark, Abe Lincoln, Mark Twain,
Nellie Cashman, Susan B. Anthony, Catherine Beecher, & Buffalo Bill helped to explore, promote human rights, educate and define
this young and prosperous nation.
Other great men like Robert E. Lee, Jefferson Davis, Sitting Bull, Red Cloud, & the mighty Chieftains defended nations that
passed with history. These proud nations & their leaders lost their holdings but their history, the land, culture, wisdom and
people have survived. Emigrants came from all nations, religions and creeds to find peace, prosperity and freedom in America.
We are brown, yellow, red, black & white. We are man, woman, young & old. We come from every walk in life and we take
great pride in honoring our ancestors. We keep their spirit & legends alive through our participation in the living history of
the American Frontier.
To honor one's ancestors is to respect the past.
In honoring the past we are protecting the future.
Steve Goldstein (Big Nose Kate's) and Charlie One Horse.
Peace, health & prosperity be with you. Seize this day and maketh it thine own... Dusty Webb
The O.W.L.H.F. is dedicated to providing logistical & interpretive support, plus comprehensive reenactors
liability insurance for the living history reenactors and SPECIAL EVENTS.
Our members are covered by two insurance plans. Our aim is to promote goodwill, hospitality, education,
safety , information, theatrical arts, exhibits, competitions, interpretive and
cultural events.
AFJ
We publish a national newsletter called the American Frontier Journal. This is an informative, and entertaining
Old West newsletter. The A.F.J is published quarterly and a regional Associate A.F.J. newsletter is published try-monthly.
We receive associate newsletters from members in California, Wyoming, Nevada and Texas. Each month we try-monthly to get these
Associate Newsletters in the mail for your entertainment. They offer a diverse experience from all over the American Frontier.
We will bring you reports on events and activities from across the nation. We will endeavor to entertain, educate and inform you
about those who were instrumental in the development of the American Frontier, their historical contributions and those individuals
and organizations who keep the Living History of the Old West alive in the forefront of today's society for tomorrow's children.
Have fun will travel !
Insurance
We are not an insurance company, but when you become a member of the
Old West Living History Foundation ,
you will be covered by two comprehensive insurance plans.
PLAN A: COMPREHENSIVE REENACTORS SPECTATOR LIABILITY INSURANCE .
This policy provides a $5,000,000.00 spectator and general liability insurance policy anytime during our season that you are
participating in your living history mission with NO DEDUCTIBLE .
General Liability: This coverage protects your business from claims arising from alleged bodily injury, personal injury
or property damage. Our insurance allows you to use watercrafts, wagons and horses in your performances.
PLAN B: REENACTORS SPECIAL RISK INSURANCE . This provides personal medical expense, accidental dismemberment and accidental
death coverage to the O.W.L.H.F. member in the event of an injury while participating in his/her living history mission.
SUMMARY DEFINITION OF INSURANCE COVERAGES OFFERED WITH MEMBERSHIPS:
SPECTATOR and GENERAL LIABILITY INSURANCE: This protects you in the event of an injury to a spectator
while you are reenacting or performing your living history mission. This coverage is included with all memberships. The policy
is with St. Paul Fire & Marine. The coverage has a $5,000,000.00 occurrence limit with $6,000,000.00 general aggregate.
There is no deductible.
SPECIAL RISK and PERSONAL MEDICAL EXPENSE INSURANCE: This coverage is inside the ropes insurance in the
event that you or your family are injured during a reenactment, providing you are members. This coverage comes with all of our
memberships. The policy is with AIG or American International Group. The coverage is $5,000.00 for accidental death, $5,000.00
dismemberment, and $2,500.00 for personal medical expenses, including dental and loss of sight with a $250,000.00 general aggregate.
There is a $100 deductible. This coverage is in effect anytime you are participating in living history.
MERCHANTS and ARTISANS PREMISES and PRODUCTS LIABILITY: This coverage is for those merchants, crafters and
artisans who are participating in Living History events or activities where an ACORD-CERTIFICATE OF INSURANCE is required.
It provides insurance against claims arising from your ownership maintenance or use of premises and operations in progress.
SPECIAL EVENT INSURANCE and ADDITIONAL INSURED: This provides our insurance coverage to a third party or
property owner who wants the same coverage we have extended over them in regards to our activities. The party will be the
certificate holder. Contact us for a Special Event application.
NOTE: This coverage is in effect during the entire season whenever you are reenacting and anywhere in the world that
you may be performing as long as you maintain United States of America, or Canadian residency.
For more detailed information, please read the page on...
OWLHF liability insurance
Joining the OWLHF
Our current season is January 1, 2001 through January 1, 2002.
For additional information about OWLHF membership select...
OWLHF MEMBERSHIP TYPES, BENEFITS & SUMMARY: .
Be sure to visit our Old West Living History Foundation Members and Cyber-Friends at
For more information please e-mail Dusty Webb, O.W.L.H.F. Founder & National Director, at
Dusty@oldwest.org ,
Our the National Headquarters of the Old West Living History
Foundation are located at...
1130 Sheridan Ave. Suite 160
Cody, Wyoming 82414
(307) 587-1872 or Fax (307) 587-1875.
We have a new web service that maintains this site. We will create a webpage for $75, and/or host your
webpage(s) for $50. For $125 total we will create and host your webpage for one year.
Please contact
WORLD WIDE WEBB Service
for more details.
This site was last modified February 21, 2001
The O.W.L.H.F. is proud to have welcomed
visitors to this site since January 1998.
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Old Republic Title Company - Western Region
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Sell your Life Insurance Policy - Case Histories
NATIONAL TOLL-FREE NUMBER
Considering selling your life-insurance policy?
It's true! You may be
able to turn your life insurance policy into cash today with a quick and easy
life settlements program. Why keep paying expensive premiums for
coverage you don't need?
Why surrender the policy for less than you could sell it for? Why
let it lapse and, perhaps, get nothing at all?
To find out more about a cash settlement program, call us toll-free at
1-800-998-2523.
What is a Life Settlement?
A life settlement
is the sale of a life insurance policy that gives the policy owner
a cash settlement in excess of the current cash surrender value.
Case
History 1
Client: 87 year old male & 82 year old female.
Result:
$2,300,000 second to die policy with no cash value. The policy was
no longer required and was going to lapse. Insureds sold the policy
and received $300,000.00.
Case
History 2
Client:
70 year old male in with some health problems.
Result:
$1,000,000.00 policy with small cash value. Insured sold the policy
and received $120,000.
Case
History 3
Client:
83-year-old female in relatively poor health.
Result:
$4,000,000.00 policy with an annual premium of $168,000.00. Insured
received $1,360,000.00.
Case
History 4
Client:
76-year-old male with some health problems.
Result:
$1,700,000 policy about to lapse. The owner could not afford to keep
the policy in force and received $275,000.
Case
History 5
Client: 81-year-old male in relatively good health.
Result:
$1,605,000.00 policy with an annual premium of $76,000.00. Insured
sold the policy for $202,800.00.
Case
History 6
Client:
78-year-old female in relatively good health.
Result:
$1,000,000.00 policy with an annual premium of $84,000.00. Insured
sold the policy for $160,000.00.
Case
History 7
Client:
92-year-old female in relatively poor health.
Result:
$2,000,000.00 policy with an annual premium of $110,000.00. Policy
expires at age 95. Insured sold the policy for $325,000.00.
Case
History 8
Client:
73-year-old male with health issues.
Result:
$500,000.00 policy. Insured sold the policy for $105,000.00.
For a price quotation, call 1-800-998-2523
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Old-Age and Survivors Insurance (OASI)
The Old-Age, Survivors, and Disability Insurance (OASDI) program in the United States provides protection against the loss of earnings as the result of retirement, death, or disability. The OASDI program consists of two separate parts that pay monthly benefits to workers and their families--Old-Age and Survivors Insurance (OASI) and Disability Insurance (DI). Under OASI, monthly benefits are paid to retired workers and their families and to survivors of deceased workers.
Related Publications
Annual Statistical Supplement
The Annual Statistical Supplement to the Social Security Bulletin includes the most comprehensive data available on the Social Security and Supplemental Security Income programs. More than 250 statistical tables convey a wide range of information about those programs--from beneficiary counts and benefit amounts to the status of the trust funds. The tables also contain data on Medicare, Medicaid, veterans' benefits, and other related income security programs. The Supplement also includes summaries of the history of the major programs and of current legislative developments and a glossary of terms used in explaining the programs and data.
2001 draft tables
Annual Statistical Supplement, 2000
Annual Statistical Supplement, 1999
Annual Statistical Supplement, 1998
Distribution of Zero-Earnings Years by Gender, Birth Cohort, and Level of Lifetime Earnings
Research and Statistics Note No. 2000-02
This note uses data from the Modeling Income in the Near Term (MINT) project to estimate the distribution of zero-earnings years by gender, birth cohort, and level of lifetime earnings from 1951 to 1996. The analysis is focused mainly on zero-earnings years that fall within a worker's highest 35 years of earnings, because only these years are used in the calculation of benefits.
This document is available in the following formats:
Effects on Benefits of Earnings at Ages 65 or Older, 1995
From the Social Security Bulletin , Vol. 62 No. 1 1999
The Galveston Plan (PDF)
On January 1, 1981, the County of Galveston, Texas, opted out of the Social Security system and implemented the Alternate Plan in place of Social Security.
Income of the Aged Chartbook
This chartbook focuses on the receipt and shares of income from Social Security, pension, assets, earnings, and public assistance. That information demonstrates the role that Social Security plays in the income security of the aged, as well as the important role that other income sources play in providing for a secure retirement.
Income of the Aged Chartbook, 1998 , June 2000 (PDF)
Income of the Aged Chartbook, 1996 , May 1998 (PDF)
Income of the Population 55 or Older
This report provides a broad income picture of a cross section of the population aged 55 or older, with special emphasis on income of the population aged 65 or older.
Income of the Population 55 or Older, 1998
Income of the Population 55 or Older, 1996
OASDI Beneficiaries by State and County
This annual publication focuses on the Social Security beneficiary population at the local level. It presents basic program data on the number and type of beneficiaries and the amount of benefits paid in each state and county. It also shows the numbers of men and women aged 65 or older receiving benefits. This report is a useful planning aid for Social Security Administration field offices and for those providing information to federal, state, and local government agencies.
OASDI Beneficiaries by State and County, December 1999
OASDI Beneficiaries by State and County, December 1998
OASDI Beneficiaries by State and County, December 1997
Retirement Income Security in the United Kingdom
From the Social Security Bulletin , Vol. 62 No. 1 1999
State Statistics as of December 1999
Fact sheets with Old-Age, Survivors, and Disability Income (OASDI), Supplemental Security Income (SSI), and earnings and employment data arranged by state and region.
Women and Retirement Security
As part of the national discussion on Social Security, the President hosted a roundtable discussion on women and retirement security at the White House on October 27, 1998. This paper, released by the White House at that event, details some basic facts on women and retirement, including the importance of Social Security.
Page last updated June 18, 2001 by Webmaster Privacy Policy
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The Insurance HELP page
The Insurance
HELP Page
Don't suffer in silence
Don't buy insurance uninformed
Every day I get calls of distress because some
insurance carrier has
changed its name,
been bought out,
gone out of business,
or has lost its license.
In many cases these companies go right on charging
your account for the premiums, but somehow fail to keep you updated on THEIR
current address. That's a
strange way of doing business, but seems to be standard operating
procedure.
Then when YOU want to collect, or your heirs are in need of the
financial assistance you have bought and paid for -- you are left wondering
WHERE IS THAT COMPANY THAT LOST ME?
Who has it now?
How much of my money
is available?
When can I get it?
Click HERE for
the answer to THESE questions . Click on the questions below for those answers
Do you have a health insurance
contract complaint?
Do you Need Advice
on finding an old life policy?
Does an old life policy
still owe money to you?
Click HERE to
SAFELY compare prices and values from as many as 300 companies at one
time on as many different types of insurance as you need INSTANT QUOTES on.
You will also find a SATURATION of valuable information designed to
protect your interests.
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Click
HERE for Travel Insurance to anywhere in the world because this kind of
travel insurance is like having a good friend at your side. Imagine this
friend speaks virtually every language and is experienced enough to understand
any particular urgent situation you find yourself in. Imagine this friend being
available 24 hours a day, 7 days a week, AND toll free. Imagine this friend
being on call to assist you with emergency travel arrangements, passports,
credit cards, airline tickets, lost luggage, and embassy or consulate referrals.
Click HERE for help if you have an insurance policy but the
insurance company has lost you, or for help finding the policy of a friend or
family member.
Owner of this web site is Marleen Roberts . address:
930 Highway 375 East in Mena, AR. 71953,
USA. Phone 479 243 0153 email address is: Marleen@americaninsurancedepot.com
Are you looking through the records of a deceased friend or
relative for their life insurance policy? Are you sure there was a policy, or not sure you have ALL the
policies?
I'm sorry to say about the only way of finding out is to keep working on the
records left behind. Also, keep a sharp eye out for NEW letters from insurance companies, especially any bills. Contact close relatives and ask if your parents ever made any references to insurance.
Next, try to discover WHERE your parents were finding these insurance companies, for example, mail order solicitations, magazines, fraternal organizations, television ads, phone solicitations, then write or call companies doing similar solicitations.
What happens to life insurance benefits that go unclaimed? Life Insurance companies will not pay benefits
until they are notified of the death and a claim is made. It is estimated that more than
25% of all policy benefits go unpaid upon the death of the insured.
Worse, if those premiums stop,
heirs may well lose all rights to a settlement. Now, the good news is that
most companies will write to find out WHY the premiums are no longer being
paid. So, Go through those bills.
One widow didn't even realize
she had anything coming until she wrote to the insurance company to ask if she
could quit paying the premiums now; since her husband had died there was no need
for further coverage.
Check with the deceased's
banker, or the home insurer, to see if a life policy was mentioned to them, or
better yet, listed as an asset.
Check with the former employer
to see if perhaps there was group life insurance benefits to be collected.
For a fee, American Council of Life Insurers
(ACLI) will give you a print out of every policy bought by any given person --
as ascertained by their social Security Number. The phone number in Washington,
D.C. is (202) 624-2000.
If every
tip I've given you fails, you may well need the help of a professional. Click HERE to visit the only one
I know.
Please note: The best advice I can give for finding an OLD
insurance company or old policy is still to contact the state insurance commissioner of
origin... on my Resources page . Why?
because after (from two to seven) years the insurance company will turn over any monies due to
the heirs to the state that person lived in, and you CAN STILL CLAIM THE MONEY
-- if you can prove you are an heir!
What
do you say to a company
(after you find it)
that may owe you money?
Dear (Insurance Company) My name is Barbara D and my email address is
Gabbiebucks@aol.com My parents gave me an "Infantile Twenty-year Endowment policy" they have had for
me since 1958. Could you could put me in touch with the department I should begin talking to, or even give me a
web site to start off looking in?
I sure would be ever so very grateful.
Thank you
Barbara D
Don't suffer in silence
Don't buy insurance uninformed.
"I need advice on dealing with an insurance
company that is not representing me as the contract stipulates," has been a request
thrown at me fairly often.
Patient Advocate Foundation is a national
non-profit organization that serves as an active liaison between the patient and their insurer, employer and/or creditors to resolve insurance, job discrimination and/or debt crisis matters relative to their diagnosis through case managers, doctors and attorneys.
I (Marleen Roberts) am not a lawyer; my advice doesn't cost 2¢ and is worth
less than 90% of that amount on the open market. Furthermore, all my own suggestions below are predicated on an assumption that you are one of the good guys
in a white cap, not one of those still strapped up in a white strait jacket.
First, file an official complaint with your state insurance commissioner. Click
HERE for the page where the
address and phone number
is found. Hint: Near the bottom. Hint 2: Insurance
regulators are bound by law to investigate all consumer complaints that fall
under their jurisdiction.
Second: Write some good op-ed articles on the subject for publication on your statewide
papers. Hint: Op-Eds are simply letters to the editors.
Third, get your state district attorney involved, complaining about the treatment given to
you, and (if necessary) about the lack of action on the part of the state insurance
commissioner. That last effort works best if they are of different political persuasions.
Fourth, invite all of your friends to write the company with one of two
messages: a)
"I'm canceling my policy because of the way you have treated Joy in this
situation."
or, b) "I'm sure glad I didn't listen to Joy when s/he suggested that I
sign up for protection with your company."
Either way, add that the (writer of the
letter) fully intends to make all acquaintances well aware of the conduct of said company.
Fifth, go to the FREE
ADVERTISING opportunities. Use them to post ads all over
the web and tell your side of the affair.
Sixth, get on the newsgroups and use your signature file to assure the whole wide world
that you are willing to give your testimony to anyone else needing to address bad
treatment from said company.
Seventh, Start a massive
class action lawsuit that asks the courts to force the insurer to repay all
the money they have gained from their obscene practices.
Eighth ASK everyone you talk to how you can persecute this company or
embarrass them any further.
Results from search: http://insurance.yahoo.com/lh/policylapse.in.html
Yahoo! The Effects Of Lapsing Your Life Insurance Policy
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The
Effects Of Lapsing Your Life Insurance Policy Buying
something tangible - a shirt for example -
is usually not a stressful
decision. Either you like it or you don't. And you can always take it back. Buying
a life insurance policy, however, is a different story.
Once you sign a contract, you
may only have a few days to change your mind and back
out of the deal, or no time at all. If
a few weeks, months, or years go by and you find you
don't want the policy anymore, you have
the option of lapsing it. However, if you do this often
enough, you could suffer some
consequences. "You
might have a plausible explanation" as to why you have
so many lapsed policies, says
Lynn Patterson, chief underwriter at Zurich Kemper
Life Insurance Co. "But it had better be
a good one." Why Lapse Your Policy? A
life insurance policy lapses - or cancels itself
- when you stop paying premiums
on it. If you have a whole life insurance policy that
has accumulated cash value, the cash
value, the cash value is drained to pay your premiums
until it runs out, and then the policy
lapses. There
are many reasons why someone may lapse a policy. He
may feel he is paying too much for
insurance, so he'll buy one at a better rate and lapse
the old one. If he has a whole life
policy, he may be unsatisfied with the amount of cash
value he is accumulating, so he'll
lapse it and look for another policy with a rosier financial picture. Some
insurance companies don't care. Primercia Life Insurance
Co., for example, does not
even ask about previous policies on the application.
"It doesn't come into play at all,"
says Mark Supic, a spokesperson for Primerica. "We
would have no way of knowing what the
person's [lapse] history was." At
Life Insurance Co., you won't be rejected
for having a high number of lapses,
but you may have to pay your premiums in one annual
payment rather than the more flexible
option of paying monthly, says Steve Zitney, an underwriting
consultant in 's life
and health department. That's because a high number
of lapses may indicate financial
instability, and the insurer wants to know that a full year's premium will be paid. Yet
other insurance companies may reject your application
if you have had a high number of
policy lapses. Some insurers may think you'll leave
them for a better deal at the drop of a
hat. They may think you are financially strapped and
have a hard time paying your premium
bills. Some may even think you're involved in a scam
with your agent in which you're getting
a kickback on the agent's commission. David
Potter, a spokesperson at Hartford Life Insurance Co.,
says that if an applicant has a
high number of policy lapses, the company would look
for the reasons behind them. If a
person failed to pay premiums on several policies,
he would likely be denied insurance. But
if the person was a past victim of churning -
a process where an agent uses the cash
value in an old policy to replace it with a new one
- his application would more likely
be accepted because the lapses were prompted by illegally mishandled policies. Patterson,
of Zurich Kemper Life Insurance Co., says that a person
may be rejected for life
insurance by his company due to a high number of policy
lapses, but it's rare. He says that
if an applicant had two lapses in three years, or perhaps
three lapses in five years, it
would be cause for alarm. And if the lapses were policies
with large death benefits, there's
an even greater chance Zurich Kemper would reject the
applications. That's because, in most
cases, agents' commissions are paid as a percentage
of the first year premium. So the
greater the death benefit, the higher the premium -
and the higher the agent
commission. An agent's life insurance commission can
be more than 50 percent of the first
year's premium, so the insurer has to spend money to
insure the customer but may never
realize any financial gain. For
example, Patterson recalls one case where a customer
took out a $2 million policy with
Zurich in 1993 and lapsed it in 1995. He took out another
$2 million policy in 1995 with
another insurer, and lapsed it in 1997. He then went
to a third insurer and took out a $2
million policy in 1997. He took out another $2 million
in 1998 with the same insurer. When
he went to Zurich again in 1999 and applied for a $4
million policy, the company rejected
his application. "It's
not a profitable piece of business," Patterson explains.
"Nobody's making any money on
this guy, except for the agent." Watch
Out for "Rebating" If
an agent approaches you about giving you a chunk of
his commission if you agree to lapse
your policy and apply for a new one, watch out. That's
a practice called "rebating" and it's
illegal in all states except for Florida and California,
according to Jack Dolan, a
spokesperson for the American Council of Life Insurers.
Rebating applies to any sales
practice in which an agent entices a customer to buy
an insurance product by giving him or
her part of the commission. Rick
Sabo of Money Concepts International in Gibsonia, Penn.,
a former agent with
Metropolitan Life Insurance Co. who is now a consultant
to policyholders and attorneys in
insurance lawsuits, says that rebating is extremely
rare. And even if agents convince a
person to lapse an old policy, the customer may not realize what they are doing, he says. Randy
McConnell, a spokesperson for the Missouri Department
of Insurance also says that
rebating is much rarer than other forms of insurance
fraud, such as churning. He says that
if an agent wants to illegally mishandle a policy,
they have greater incentive to do it on
their own rather than team up with the insured because
they will not have to split the
commission. Rebating "is not a high volume kind of thing," he says. Lisa
Santucci, a senior attorney with the Florida Department
of Insurance, receives a number
of inquiries from agents and insurance companies asking
if they can give a cash bonus to a
customer who buys a policy or annuity from them. But
she has not seen any cases where an
agent and a customer "teamed up" to churn a policy
and split the commission on the new
policy. Buy It Once - But Do Your Homework Most
life insurance experts will tell you to buy life insurance
when you're young since it's
more expensive as you grow older. The potential hazards
you face in the future for lapsing
policies make a strong argument to buy the right policy once,
and review your
coverage needs as your life changes. Otherwise, you
and your beneficiaries could suffer in
the future. By
Mark
Cybulski insure.com
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