La Jolla, California. Every year, nearly three-quarters of the population have headaches. Of all visits to physicians and emergency rooms, a little over 1% are for headache. Sufferers from severe headaches sometimes fear they must have a brain tumor or hemorrhage. However, benign headaches can be just as intensely painful as those resulting from a malignant disease.
Tort Reform and Its Impact on Medical Malpractice Insurance. The medical malpractice insurance industry is definitely in crisis, with many insurers refusing to cover hospitals and physicians. This scarcity along with skyrocketing costs are thought to be the result of numerous professional liability claims and lawsuits.
A life insurance policy, at heart, is a contract between the insured and the life insurance company. When an insured person dies, the life insurance company is bound to pay a death claim to the beneficiaries. The insured is the person who the life insurance contract is underwritten on, and whose death triggers a claim. Insured And Owner Can Be Same Person. The insured and the owner of the life insurance policy are often the same person.