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A person who buys insurance is known as an insured or as a policyholder. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses, such as funeral expenses, can also be included in the benefits. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured. Life insurance policies tend to fall into two major categories: Protection policy is designed to provide a benefit, typically a lump sum payment, in the event of a specified occurrence. A common form—more common in years past—of a protection policy design is term insurance. Investment policy is the main objective is to facilitate the growth of capital by regular or single premiums. Whole life and variable policies are giving surity of life.