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General Liability Certificates of Insurance:

Hall & Company would like to provide A/E firms with some basic information to consider when using certificates of insurance to fulfill contractual agreements.

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Avoiding the Three Year Life Insurance Transfer Rule

This article explains how to avoid IRC Section 2035, which brings life insurance policies transferred within three years of death, back into the insured’s gross estate.

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Estate Planning for Unmarried Couples – Part Two

Part One of this article deals with non-tax estate planning issues facing unmarried couples. This article focuses on some basic gifting strategies that unmarried couples can utilize to reduce or eliminate death taxes. Part Three of this article examines several advanced gifting strategies for high net worth unmarried couples.

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Some common words used in life insurance

What follows are some simple explanations of some of the words that are commonly used in life insurance market and in life insurance polices. Each insurer might use a slightly different variation in their own policy wordings so these examples are purely there to assist and help and should not be read as being actual legal definitions.

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Types of Life Insurance

Most life polices are single life polices. That means that only one life is insured. A person can take a policy out on their own life. That is called an own life policy. Alternatively someone may take out a policy on the life of another person. That is called a life of another life insurance policy and there must be some insurable interest. For instance a wife insuring her husband or visa versa.

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Auto Insurance Cover - Uninsured and Underinsured Motorist

Auto Insurance cover also includes damages incurred on the insured as a result of accidents caused by uninsured or underinsured persons. The insured’s cover will take care of the costs that the other person cannot cover, for example medical expenses. The covers are as follows:

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Rejecting Uninsured Motorist Coverage and Stacking

Under Florida law, when someone makes an election not to have uninsured motorist coverage (UM) on their policy, a specifically worded form must be signed. The insured also has the right to accept or reject stacked uninsured motorist coverage.

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Boat Liability Insurance

Have you ever seen a boat incident while passing by a gigantic beach/river? What if it’s the brand new boat and its owner has no money now to repair that or buy another boat. In such scenarios we realize the importance of Insurance. If that boat’s insured then there’s nothing to worry about. This article guides you about boat liability insurance.

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Find Out More About Insurance

Personal or event risk control is the function of insurance which provides financial cover against an event taking place using a system of installments that are paid by the insured to the insurer.

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How to Choose a Life Insurance Policy

Find out how to make an informed choice between the different types of life insurance policies.

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The Primary Types of Life Insurance & How Their Cost is Determined

There are many forms of life insurance policies available to a potential policyholder but all life insurance policies will always fall under two different categories: Term Life Insurance - these types of policies are only active for a specified amount of time of your life, called a "term". When the term ends, so does the policy. Payout only occurs should the insured die sometime within the policies defined term.

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Accident Insurance - a Must Financial Backup

Uncertainty is one element that is always present in life and it is this uncertainty of anything that makes us take measures to face all kinds of unwanted happenings. The same holds true with accidents which can happen anytime and can upset all your finances and routines. The best is to be prepared for them. Since any such occurrences end you up in a financial mess it is best to be backed up with finances.

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6 Ways to Challenge An Insurer's Denial of Your (Late) Notice of Claim

This article provides some tips on what to do if the insurance company denies your claim

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Auto Insurance Coverage for Uninsured or Underinsured Drivers

In the event that you’re involved in an accident with someone who was at fault, but who also either carries no insurance or not enough of it, you can be protected if you have an auto insurance policy that covers this type of accident.

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Auto Policy Coverage and Exclusions - Learn to Read and Interpret Key Sections of Your Policy

The auto policy exclusions are perhaps the number one way insurance companies confuse an insured regarding what is and what is not covered. Often, they exclude coverage simply because an exclusion is commonly applied, but fail to read your specific auto policy. To complicate matters, what can and cannot be excluded by law tends to be misunderstood and somewhat of an obscure subject.

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