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How to Determine if DUI/DWI Affects Your Insurance Premium
Driving Under Influence (DUI) of alcohol or Driving While Intoxicated (DWI) is a serious crime in the US. Have you ever been caught or convicted for these reasons? If your driving is reckless, you not...
View ArticleDefine Actuarial Science
Actual science applies a number of interrelating subjects, including probability and statistics, finance and economics, to determine risk in the insurance and financial services industries.
View ArticleWhat Is a Disability Premium?
Paying premiums for disability insurance is taking a major step towards protecting your income. If you become injured or fall ill, disability insurance, or DI, will begin paying you benefits for as...
View ArticleHow to Calculate Unearned Premium
A premium is the amount paid to an insurance company by the policy holder. This amount is often paid in a lump sum at the start of the year or coverage period. Unearned premium is the amount of the...
View ArticleHow to Determine a Warrant Premium
Stock warrants are derivative securities very similar to stock options. A warrant confers the right to buy (or sell) shares of a company at a specified strike price, but the warrant owner has no...
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What Determines Your Car Insurance Premium?
Car insurance premiums can be very expensive. Knowing how they are calculated might help you save money.
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Mail Forwarding Options
Mail forwarding is used when individuals, businesses or families leave their permanent residence to go on vacation or relocate. Contacting the United States Postal Service to give notice of the...
View ArticleWhat Is an Unearned Life Insurance Premium?
When you pay premiums for your life insurance policy, the insurer gives you the option to pay the premiums in advance. But be aware that if you do you may lose that premium if you decide to cancel your...
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What Is a Split Mortgage?
When buying a home, you will need to decide what kind of mortgage is right for you: a fixed-rate or an adjustable-rate mortgage. It can be a difficult decision for some, but there is also a third...
View ArticleFundamentals of Risk and Insurance
Insurance is something that takes the financial risk of some catastrophic event -- such as death, illness or destruction of property -- and spreads that risk over a large number of people. In insurance...
View ArticleIs an Insurance Company Required to Refund My Unearned Premium If I Cancel?
For whatever reason, you have decided that your relationship with your insurance company has come to an end. Whether you're replacing your coverage with another insurer or not, you want to cancel your...
View ArticleHow to Calculate Earned Premium
Insurance companies collect premiums from policyholders in return for writing insurance policies. Individuals and businesses buy insurance to protect against various risks, such as disease, death,...
View ArticleHow to Get an Actuary License
Actuaries are experts in probability and statistics who use their skills and the study of historical data to assess the likelihood of future uncertainties. They also advise insurance companies on how...
View ArticleHow to Become an Actuarial Analyst
Actuaries are the mathematics and probability experts who advise insurance companies, pension funds and governments about possible financial risks from a variety of causes. Actuaries also advise on how...
View ArticleHow to Become an Actuary in Connecticut
Connecticut's generally business-friendly laws and regulatory climate have attracted many different insurance companies to the state, and the insurance industry is a major driver of the Connecticut...
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Will Reckless Driving Make My Insurance Premium Higher?
Driving is a privilege, not a right, and that privilege can be taken away if you abuse it. Each state tracks its residents' road violations, and insurance companies charge premiums based, in part, on...
View ArticleCan Reckless Driving Affect My Scholarships?
Scholarships based on academic performance, athletic participation or financial need help many students cover the high costs associated with college. But each institution that offers scholarships...
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Highest Salary for Actuarial Science
Actuaries are responsible for assessing risk of future events and then helping businesses to establish policies to reduce that risk. They must have an in-depth knowledge in the areas of business,...
View ArticleActuarial Pension Valuation Methods
An actuary is somebody who applies demographic statistics to make forecasts for financial purposes. These are most commonly related to life expectancy, which can affect the likely costs and revenues of...
View ArticleHow to Decide on Vehicle Deductibles
A deductible is the amount you pay yourself before an insurance payment for repairs or replacement value. Lower deductibles result in a higher premium payment because the insurance company accepts...
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