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The industrial life insurance plans were usually for small face amounts: typically $250, $500, or $1, 000 in the early years. They featured double indemnity for accidental loss of life, which could be triple indemnity or even more if death occurred as the result of an accident on a public conveyance. For this reason, these plans were often derided by their detractors as " streetcar insurance. " Expansion [ edit]
The company gradually expanded its operations to the southern eastern seaboard and eventually covered most of the continental U. S. except for the northeastern states, the Rocky Mountain states, and the Pacific Northwest. It also began to write "ordinary life" insurance to better risks, such as middle-class office workers, religious ministers, accountants, bankers, and similar persons. Its greatest marketing development, however, was probably its beginning of WSM radio on October 5, 1925. Taking its callsign from the company's motto, W e S hield M illions (which was in turn taken from its shield-shaped logo), the station began to broadcast advertising, including the company's own messages, over its powerful 1, 000 watt station, which in January 1927 increased to 5, 000 watts, and in November 1932, became a 50, 000- watt " Clear channel " station (meaning that no other station could broadcast on that frequency during nighttime hours).
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The appellee contends that the trial court was correct in holding that the plain terms of the application and conditional premium receipt controlled the obligations of the parties and that the application and conditional premium receipt in question clearly set forth at least two pre-conditions to the effectiveness of the policy which were not fulfilled. Appellee relies solely on two cases decided by this Circuit. 2,
15 Appellants are correct in their contention that the law of the State of Utah governs since this is a diversity case and the Court must follow the substantive law as declared by the Utah courts. 4
In this case the law of Utah is to the effect that Utah law governs the rights and obligations of the parties to a contract if the contract was made in Utah. 5
This contention that the law of Utah applies has not been questioned or controverted by the appellee and it will be assumed by this Court, for the purposes of this appeal, that Utah law does g overn the rights and obligations of the parties in this controversy.
For more information about Demotech or FSRs, visit or call (800) 354-7207. General Security National Insurance Company is rated A+ by AM Best REINSURERS All Branch policies are reinsured by our partner, A+ rated SCOR
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There's a lot to combine here where we think we can drive some exciting consolidation as well. " Paysafe has experience acquiring companies, so we should keep a lookout for more BFT mergers. "Let me break that down as I walk down the funnel on the right-hand side of the page. Of the 4, 300 listed companies, about 1, 500 companies have revenues over $1 billion; we have $1. 4 billion. Of the 1, 500 companies, roughly 300 expect revenue growth over 10%; we are expecting 11%. Only 75 have margins greater than 30%, and only 40 of them are also supported by a capital light business model. " Paysafe has jumped all these hurdles, just statistical reasons why BFT believes Paysafe is a great growth company. "The first comp for us is always PayPal. While PayPal is a much larger and more scaled business, we do look at the playbook and their history of the last 10 years and the consolidation of platforms, successful expansion beyond their core roots, and then M&A to drive a massive value story. We absolutely see Paysafe as positioned for a very, very similar story, and with the same capabilities. "
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Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine. Full Bio →
Written by
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family's insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He's also been featured on sites like
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Daniel Walker
Licensed Auto Insurance Agent
UPDATED: May 4, 2020
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