A fundamental component of every insurance policy is Risk Transfer & Distribution. Risk transfer and distribution are easily understood...

Capital preservation, retained earnings, surplus, cash (value). Preserve it, in every way possible: in your savings account, in your...

The Insurer is the insurance company. Insurance companies are designed to be profitable. In order to sustain profitability, insurers...

There is a distinct pattern for growing businesses regarding their medical benefits. Once a company reaches 75+ employees in its...

"Follow the money" is a catchphrase popularized by the 1976 docudrama film All the President's Men with a young Robert Redford and Dustin...