Many companies Like Universal P & C  want to know if you have had financial concearns because bad credit tends to lead to more claims and usually of the fraudulent type. Many carriers decline claims, refund premiums ect because of this and the now the Florida consumer advocate says this should not be. Please read the article by Charles Ellsmore of the Palm Beach post  and sent to us by pur friends at First State Insurance. Please call L & S at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial and Life Insurance as well.