Learn about direct writers in the insurance industry, who sell their products through direct selling or exclusive agency systems. Find out how they operate in the liability/property insurance sector.
Explore the essentials of disability benefits law, a legislation ensuring workers receive compensation for injuries outside the workplace. Enacted in states like California, New York, Hawaii, and Rhode Island.
Learn how Dun & Bradstreet, Inc. supports insurers with financial information for underwriting processes. Get insights into their role in the insurance industry.
Explore what duplication of benefits means in health insurance, where similar or indistinguishable coverage exists between two or more insurers, and how it impacts policyholders.
Explore the essentials of dwelling forms in property insurance, detailing how these forms provide coverage for residential buildings and personal belongings.
Learn about the 'Date of Issue' in general insurance, which is the date when the policy was created by the insurer, and how it may differ from the effective date.
Explore what a deductible clause is in general insurance terms and how it affects your insurance policy. Learn everything about deductible amounts and clauses in insurance contracts.
Discover the significance of a daily report in general insurance, a concise statement summarizing relevant policy details. Understand its role and why it's crucial for insurers, agents, and policyholders.
Explore the Death Benefit Only Plan, a life insurance/pension scheme where a portion of the insured's salary is collected for payout in the event of their death.
Explore what a declaration means in legal terms and its significance in liability and property insurance, detailing how it's a written statement of factual information.
Discover the essentials of decreasing term insurance in life insurance. Learn how a level premium works with a gradually reducing death benefit in this type of policy.
Explore the concept of Deep Pockets Liability, also known as joint-and-several liability, where damages can be obtained from co-defendants based on their ability to pay rather than their level of negligence.
Learn about deferred annuity, a financial product designed to begin payments at a later date, and explore its benefits, uses, and how it differs from immediate annuities.
Explore the key aspects of a Defined Benefit Pension Plan, where employers contribute towards a specified retirement benefit for employees. Learn how these plans ensure financial security post-retirement.
Learn about the delayed payment clause in life insurance plans, detailing how payouts to beneficiaries are managed in case of common disasters or other specific circumstances.
Learn about the Demolition Clause in Property Insurance, a provision that prohibits liability for demolition costs of undamaged property. Essential for property owners and compliance with building ordinances.
Learn about Dental Plans in health insurance, contracts for dental care either on a prepaid basis or paid afterward, available for individuals and groups.
Learn about Dental Plan Organizations (DPO) in health insurance. Understand their role in providing dental care through agreements with providers.
Learn about the role of a Designated Mental Health Provider in health insurance policies and how they deliver mental health services through medical plans.
Learn about the term 'Directed Verdict' in legal contexts, where a verdict is awarded to the defendant due to the plaintiff's failure to substantiate their case.
Explore the role of the Director of Insurance, the key leader in state insurance departments responsible for regulating and overseeing insurance practices.
Learn about the disappearing deductible in property insurance, where the deductible decreases as the loss amount increases, providing full coverage for larger losses.
Explore the concept of divided cover in general insurance, where a person or object is insured with more than one insurer. Learn the benefits and implications of this approach.
Understand the concept of double protection in life insurance, a contract that merges whole life insurance and term life insurance, offering enhanced security until the expiration of the term policy.
