With our best-promoting course Start-a-Business 101. In most nations, life and non-life insurers are topic to totally different regulatory regimes and totally different tax and accounting rules. The primary purpose for the distinction between the 2 sorts of company is that life, annuity, and pension enterprise may be very lengthy-time period in nature – coverage for life assurance or a pension can cover risks over many decades In contrast, non-life insurance cover usually covers a shorter period, reminiscent of one year.
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Many insurance coverage executives are opposed to patenting insurance coverage merchandise because it creates a new threat for them. The Hartford insurance coverage firm, for example, just lately had to pay $80 million to an independent inventor, Bancorp Services, as a way to settle a patent infringement and theft of trade secret lawsuit for a sort of corporate owned life insurance coverage product invented and patented by Bancorp.