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The Whole Truth and nothing but.

Whole Life Insurance: Whole Life Insurance would seem to be self-explanatory, yet there still seems to be confusion – so much so that authors will spend their precious time writing entire books explaining it. The confusion may stem from the fact that so many of the details of the policy are kept secret.  But fear [...]

Younger and Thinner is the Name of the Game

If younger and thinner is the name of the game? Then I don’t want to play. Perfect health? Good cholesterol and blood pressure? Not on any medication? No family history of heart attack and stroke before the age of 65? No history of alcohol or drug abuse (including tobacco)? Play it safe? If you said [...]

I only married you for your insurable interest

Insurable interest is created in one of three ways – by blood, marriage, or by a business relationship. It exists when an insured person derives a financial or other kind of benefit from the continuous existence of the insured object. You would have unlimited insurable interest in yourself. It must exist when the policy is [...]

They always argue that I shall someday die, which is not so

I detest Life-Insurance Agents; they always argue that I shall someday die, which is not so. – Stephen Leacock Uberrima Fides. The insurance contract must be entered into in utmost good faith by both parties (or uberrima fides if you will). The insured has a reasonable and just cause to assume something – that the [...]

A Verbal Contract isn’t worth the paper it’s written on

A Verbal Contract isn’t worth the paper it’s written on. – Samuel Goldwyn I first came to realize the surplus of contracts out there after getting engaged. There’s the marriage contract and prenuptial agreement (needless to say, we did not need this). There’s the contract required to join bank accounts and another to put someone [...]

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