A lien is a legal instrument by which one party – usually lenders and creditors - guarantees the obligation of a real estate owner to do something – generally repays the money. If that obligation is not satisfied at the right time through the right methods, the lien applicant may be able...

Portion of a life insurance policy cash value after the deduction of all the policyowner's indebtedness....

Basic contract language in individual health and accident insurance policies. These provisions are required under a model state law known as the uniform individual accident and sickness policy provisions act. The uniform provisions, some mandatory and some optional under the model act, deal with suc...

Social insurance that provides benefits to temporarily disabled workers in a few states. Five states require employers to pay cash benefits if workers are disabled. They are Rhode Island, California, New Jersey, New York, and Hawaii....