Attorney Paul Zeniewicz writes that insurance assignment-of-benefits forms simplify homeowners' claims, rather than encourage fraud, as Florida Rep. David Santiago wrote..

Collateral assignment enables you to use your life insurance as collateral for a loan. This allows you to be approved for a loan if you don't want to put your other assets at risk. Here is how ...

Think about the last time you went to the emergency room. You filled out paperwork for each health-care provider (physician, anesthesiologist, etc.), and your insurance company dealt directly with … ...