Online Insurance Guide

02/14/12

Research presented recently at the American Orthopaedic Society for Sports Medicines Speciality Day in San Francisco reveals treatment for hip conditions should not rest only on MRI scans.

The research resulted in a study that evaluated 45 volunteer subjects who had no history of hip symptoms, pain, injury or previous surgeries with each participating receiving an MRI scan that was reviewed by three different radiologists.

“The hope with a study like this is improved treatment and decision-making for physicians who are dealing with hip disorders,” said Dr. Bradley Register, lead author of the study.

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Marylands second highest court has upheld most of a $151,000 jury award against a man sued by his neighbors for shooting two of their pet dogs.

Jeffrey Lynn Hurd of Williamsport was sued after shooting one familys dog in 2007 and another neighbors dog 2008. In 2010, a Washington County Circuit Court jury ordered him to pay the families, a decision Hurd later appealed to the Maryland Court of Special Appeals.

The Herald-Mail of Hagerstown reports that a three-judge panel of the Court of Special Appeals issued an opinion on Jan. 24 upholding all but $6,000 of the award. The court also ruled Hurd must pay 90 percent of the cost of the appeal.

Because of most people are familiar with the phrase double indemnity the accidental death benefit rider is thought to be one that provides double the death benefit of your policy in the event of death resulting from an accident. It is true that this is how it works but there are life insurance companies that allow applicants to buy multiples of this rider…e.g. three times the face amount of the policy would be paid should they die by accident. For a small additional premium you can add the accidental death benefit rider to your life insurance policy. It does not matter whether or not you purchase term life insurance or permanent life insurance.

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As traffic has increased in western North Dakotas booming oil patch, so have fatal vehicle crashes.

Mark Berwick, a research associate at the Fargo-based, Upper Great Plains Transportation Institute tells The Bismarck Tribune that 42 percent of the 2011 fatalities on North Dakota roads through Dec.

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Is no exam life insurance a new thing? If you read some of the writings on the subject you would think it is. The fact is that the idea is not new at all. Life insurance companies have been issuing policies on a non medical basis for a very long time. The reason is that they can hold down costs by doing so. You may ask how can a life insurance company achieve lower expenditure by issuing a no exam life insurance policy. Let us try to get the thinking of the decision makers in these companies.

• What Does It Normally Cost To Issue A Policy?

The first thing we have to consider is the life insurance agents commission. In many companies that can be more than the first years premium.

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