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The majority of people tend to lump all insurance coverage carriers together within the “alphabet soup” of insurance types, but there are differences. Think about the areas of Life and Health (L&H) and Property and Casualty (P&C) insurance. Some bigger carriers provide both, but a lot of concentrate on one form or the other. All of these carriers have the common thread of danger evaluation, but here are a few of the fundamental distinctions:
- Risk Evaluation Techniques— In L&H, you are handling individuals; in P&C, you are dealing with things. For that reason, the threat assessments are a bit various between the 2. L&H threats are going to be related more to individuals themselves– their genetic elements, age, and habits that set the background threats. Obviously, this is being switched on its head somewhat with the Affordable Care Act, and actuarial risk aspects such as age and pre-existing conditions can not be treated in the very same light. However, the aspects are still evaluated th …
