Would they ask questions as to why I'm switching the name of the policy holder, or is it just that easy?

In order for most mortgage lenders to accept the title insurance it must be in buyer’s name because the title insurance follows the policyholder and not the property.

However, I can say that I was a long time Nationwide policy holder on both my primary residence and my rental property. 

See below.http://www.eenews.net/stories/1059974778"So what does the future hold for a program that carries $1.2 trillion in exposure to loss but raises only about $3.5 billion annually from policyholders"I have flood policies for houses in our area that are $20,000+ a year! 

If the lender will agree, make the permit issue/lien an exception to the title policy, hold back 4-5 times the amount of money in escrow to cure the problem, close.  

Every state's insurance statutes mandate that insurance companies provide their policyholders with a loan secured by the cash value of the policy.

If money is passed through to seller for insurance, is the seller the policy holder or does the seller make the payment on behalf of the buyer/policy holder?

It is not something I researched.My point about mutual companies is that policy holders should participate fully in profits so their cash value and death benefits increase.

The insurance company that issues the product buys options on that index with part of the money that the policy holder has in the policy.The insurance company and/or the company that actually does the investing "charges" the policy holder in one (or more) or 3 ways - off the top, off the bottom or off the side.

It's also called an "umbrella" policy and protects the policyholder above and beyond the standard limits on their primary policies.