Insurance policy
Is a contract (generally a standard form contract) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for an initial payment, known as the premium, the insurer promises to pay for loss caused by perils covered under the policy language.
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Blog Insurance Policies
Hjalmar Jesus Gibeli Gomez: Triple-I Blog | Survey SuggestsFew Homeowners Prepare for Weather-Related Risks
By Mary Sams, Senior Research Analyst, Triple-I The 2023 Atlantic hurricane season officially started June 1 and is forecast to be a busy one, which is why homeowners need to[…]
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Hjalmar Jesus Gibeli Gomez: Hunton Offers Amicus Support in First Circuit Review of “Surface Water” Under Massachusetts Law
Hunton’s insurance team has offered its support on behalf of amicus curie United Policyholders in a brief to the First Circuit concerning the meaning of “surface water” in the context[…]
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Hjalmar Jesus Gibeli Gomez: Nevada State Court Rulings Highlight Importance of Strategic Decisions Early in a Case
In a COVID-19 insurance coverage lawsuit that Hilton Worldwide Holdings, Inc. filed against several insurers in Nevada state court, two recent rulings in favor of Hilton highlight the importance of[…]
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Life insurance
Is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment.
Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot, and civil commotion.
What is a life insurance?
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