Hunter Brock has served as an insurance agent and an insurance industry journalist. As an insurance agent, he sold life-, accident, and health policies to individuals and small businesses. In writing about the insurance industry, he has covered various policy types, qualification standards, and strategies for obtaining the lowest costs for comprehensive coverage.
As an insurance producer for Western & Southern Life, Hunter Brock wrote all types of life insurance policies, including term-, whole-, convertible-, and return of premium plans. He also provided health insurance plans to clients, ranging from short-term to comprehensive.
As an insurance industry journalist, he has written about life-, accident-, health-, disability-, auto, homeowners- and renters policies. Topics have included comparing and contrasting policies, rating policy options, and cost-effective and comprehensive coverage strategies.
The details of policy types he has covered include the following:
Term Life Insurance
Term life lasts for a specified term, such as 10, 20, or 30 years. Because they have expiration dates, the premiums are far lower versus whole life. They build no cash value.
Whole Life Insurance
Whole life policies last for the insured's entire life. Because of this, they cost more than term. They also build cash value, which adds to the death benefit. The cash value can also be taken out as a loan or used to pay premiums.
Convertible term policies can be changed into whole life policies without underwriting.
Return of Premium Life Insurance
These term plans repay the policy owner the equivalent of all premiums paid at the end of the contract.
Hunter Brock has covered Marketplace- and private market health plans, including HMOs, PPOs, and POSs. He has detailed the differences between Marketplace and private market plans and the advantages and disadvantages of both.
Disability policies include private-, and employer-sponsored coverage, as well as Social Security Disability Insurance.
Auto, Homeowners, and Renters Insurance
Hunter Brock has researched and rated auto-, homeowners, and renters insurance policies offered by numerous providers.
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