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Properly prepared certificates of insurance are documents used in business and are not required or regulated by statute or regulation. However, the certificate of insurance must contain the same information, whether delivered to the insured or on behalf of the insured to the certificate holder. Licensed producers may not add terms or clauses to a certificate of insurance which alter, expand or otherwise modify the terms of the actual policy unless authorized by the insurer which has filed an appropriate endorsement with the Superintendent of Insurance, and obtained prior approval, if required.Any certificate of insurance that "amends, expands or otherwise alters the terms of the applicable insurance policy constitutes a policy form, which must be filed with the Superintendent of Insurance in accordance with Section 2307(b) of the Insurance Law." (Circular Letters No. It is not intended to confer to a certificate holder new or additional rights beyond what the insurance policy provides. For further information you may contact Associate Attorney Jeffrey A.

I took it for granted that this would go without saying, but I should also include that an Insurance Agent would only issue such a request if it was a typical traffic violation...

This common practice in life insurance companies is known as ‘Backdating’.

Backdating means altering the start date of the life insurance policy to a timeline earlier than when the document was originally bought.

Backdating your life insurance isn’t as useful for younger applicants because the …

Forsyth Insurance Agency is an established Lincoln insurance agency with roots dating back to the 1930s. Health insurance is insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons.

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