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Limitations

Limitations

While insurance is designed to protect against risk, every policy has its boundaries. These boundaries are known as limitations. They define what’s not covered, how much can be claimed, when benefits apply, and under what conditions. Understanding these...
Premium Hikes

Premium Hikes

For most policyholders, the word “premium hike” triggers concern—especially if you’ve budgeted carefully around a fixed payment. But not all premium increases are created equal, and in the world of life insurance, especially Index Universal Life (IUL), the dynamics...