High-risk life insurance is aimed at individuals that insurers classify as having an elevated mortality risk. That assessment ...

Car insurance companies use a range of factors to calculate a driver’s rates, including their age, driving history, and credit score. Young drivers, people with blemishes on their driving records, and ...

Learn about spot reinsurance, a specialized insurance contract that covers single risks, helping insurers manage high-risk scenarios with tailored financial protection.

Scores of seaside homes burned in the Palisades fire in Malibu in January. (Photo by Chris Stone/Times of San Diego) When the Eaton and Palisades fires tore through entire stretches of Los Angeles in ...

A high-risk driver in California is likely to file claims, have a driver's history of getting into accidents, or have other factors. These situations are called high risk and are normally accompanied ...