CUDOS is based on the Mertonian norms introduced in 1942 by Robert K. Merton. Merton described four sets of institutional imperatives [comprising] the ethos of modern science: universalism, communalism, disinterestedness, and organized skepticism..
Hanover policies are sold by more than 5,000 independent, affiliated agents located in cities and towns across the country. When you buy a Hanover Insurance Group business policy, you get the one-on-one attention you need to be confident youâre getting the right coverage for your unique business needs.
Insurers are forced to boost premiums or stop selling policies. Long-term-care insurance can help pay for the assistance you might need if you become ill or disabled in the future. But recent trends in the industry might be cause for concern for both current policyholders and potential ones. In the past five years, 10 of the top 20 insurers (by sales) have stopped selling new long-term-care policies, according to LIMRA International, an insurance industry research company.