Insurance Crisis

And that doesn't augur well for Romney, considering the state is such a critical battleground in the race to the White House. While state politicians and administrators take pride in its status as a toss up, they believe national leaders should also focus on the issues affecting the state after the elections. "It is a blessing and curse for me to belong to a swing state," admits Senator Nina Turner, adding, "It has become an excess. As a swing state we get a lot of love and attention during the elections and I would love if that continues even after that".

Term and Term insurance

The term is the number of years you bought the policy for. So, if your policy lasts for 10 years (the number of years is your choice), it is referred to as one with a 10-year term.Term insurance, on the other hand, is a type of insurance policy. It provides policyholder with protection only. If the policyholder dies within the specified number of years (the term), his nominee gets the sum insured. If he lives beyond the specified period, the policyholder gets nothing. This is the cheapest and most basic type of life insurance.

Insurance: Tort

“Damages” is the legal term for monetary compensation that is awarded to the person suffering an injury out of torts. It is paid by the person liable or responsible for such injuries. Injuries can either be body or property injuries. Torts are governed by tort law, which gives out the definition for legal injury, and the factors that could make a person liable for such legal injuries.