A broker is an agent who bargains and/or conducts negotiations for and on behalf of his or her principal as an intermediary between the principal and third persons in the acquisition of contractual rights. Such a broker normally receives a commission or brokerage fee for his or her services. While a broker's primary contractual duty is to procure prospects and negotiate with them on behalf of his or her principal, it is not uncommon for the broker to assume an advisory relationship to clients who are not knowledgeable in the types of contracts involved in the negotiations.
Virgin Islands Exclusive Agreement Between Employer and Broker to Secure Group Insurance
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A void contract, in the context of insurance, is an insurance contract or policy that does not have legal validity and is thereby unenforceable in court. A contract may be or become void for a number of reasons, depending on the exact circumstances.
It is a contract of indemnity. Claim payment Insurable amount is paid, either on the occurrence of the event, or on maturity. Loss is reimbursed, or liability incurred will be repaid on the occurrence of uncertain event. Premium Premium has to be paid over the years.
An insurance policy is a contract between the insured and the insurance company. You pay premiums to an insurance company.
The insurance contract or agreement is a contract whereby the insurer promises to pay benefits to the insured or on their behalf to a third party if certain defined events occur. Subject to the "fortuity principle", the event must be uncertain.
Insurance contracts are generally classified as either short duration or long duration. The distinction is based on the period of time of the insurance protection and the flexibility each party has in changing the terms of the contract.