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November 21, 2008  
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Insurance Advisors Terms


  > Umbrella policy
Umbrella policies provide additional liability coverage after the limits of your underlying policy are reached.
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  > Deregulation
Under Washington state law known as “use-and-file,” commercial property/casualty contracts negotiated between insurers and businesses may go into effect immediately. The policy itself can be filed for state review later.
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  > Exclusive Provider Organization (EPO)
EPOs allow subscribers to visit any physician within the contracted network without prior approval or referrals. Services received outside the network may not be covered.
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If you live in the following cities and need an Insurance Advisor or to get a quote, you should contact our Delaware Insurance Advisors today:

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Did You Know?    
 
 
Payments you receive from qualified long-term care insurance contracts will generally be excluded from income
As reimbursement of medical expenses received for personal injury or sickness under an accident and health insurance contract. Also, certain payments received under a life insurance contract on the life of a terminally or chronically ill individual (accelerated death benefits) can be excluded from income. Refer to Publication 17, Your Federal Income Tax, Chapter 13, Other Income.

 
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  Latest Insurance related news in Delaware and nationwide: Mar 02, 2007 - COBRA Health Benefit Provisions
The landmark COBRA health benefit provisions became law in 1986. The law amends the Employee Retirement Income Security Ac
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Mar 02, 2007 - Secure The Right Care In Your Later Years
HIPAA offers protections for individuals who have preexisting conditions, helping them to keep coverage for those conditio
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