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Contingency reserves: in selling group insurance, a company is faced with possibility of catastrophic death claims, a contingency not generally found in the case of individual insurance. This result from the fact that many of the members of an insured group may be closed concentrated, especially employees who work in the building. Therefore such possible disaster as earthquake, fires, fluids, explosions or epidemic could cause death claims for in excess of dose predicted in the premium calculations.

The Insurance Commissioner’s office is committed to protecting the best interests of the public. Although some legitimate insurance disputes can only be settled in court, there are many insurance problems the Commissioner=s staff can help you solve. They will go over your problem thoroughly with you and offer whatever help they can. Here are three common complaints and advice on how to deal with them.