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Insurance Policies

Insurance policies are available for almost everything today. In fact, it is difficult to purchase something without also being offered an insurance policy to cover it in case it gets stolen or damaged.

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DIFFERENT TYPES OF

LIFE INSURANCE POLICIES

Life insurance is designed to protect your loved ones in the event that you die.

The idea behind this type of policy is to provide the funds your family will need to continue living comfortably when you are no longer there to contribute financially. You might also consider getting a life insurance policy to help defray the cost of funeral expenses and/or unpaid medical bills.

The cost of your life insurance policy depends on your age at the time you obtain the policy, the type of life insurance you choose, the amount of coverage you request, and your health at the time of the application. The two most basic types of life insurance include term and whole life policies.

PROPERTY INSURANCE POLICIES

Whether or not you own your home or you rent, you should look into insurance coverage that protects your personal possessions against theft or damage. If you simply rent an apartment, condominium, or house, this type of policy is known as renter's insurance.

As a homeowner, you also need to protect your house, garage, decks, and shed, as well as your personal possessions. While fire and theft are the two most common reasons people think of when obtaining homeowner's insurance, you may also want to include provisions for flood, hurricane, and earthquake damage, depending on where you live.


AUTO INSURANCE POLICIES


IF you own a car and you get in an accident, you'll want car insurance to help you pay to repair it. You might also need this type of insurance to help cover the cost to repair any other vehicles involved in the accident, particularly if it was your fault.


THE RULES

The rules regulating what type of car coverage you are required to obtain depends on the state in which you live.

DRIVERS WITH

Drivers with newer cars typically obtain better coverage because of the risk of having their vehicle stolen.

 

DIFFERENT TYPES OF

DISABILITY INSURANCE POLICIES

If you are employed, it is possible that you have disability insurance through your employer. If not, you can obtain an individual policy to cover you in the event that you become disabled and are unable to earn an income. This type of policy can provide temporary or permanent disability coverage as well as full or partial disability.


 

HEALTH INSURANCE POLICIES


Health insurance coverage might not seem like it is absolutely necessary, but this type of policy can save you lots of money.

UNEXPECTED ILLNESS

UNEXPECTED ILLNESS

An unexpected illness or accidental injury can quickly turn into an insurmountable pile of medical bills. Without health insurance, you won't have any assistance in keeping your expenses reasonably contained.
FOR MANY PEOPLE

FOR MANY PEOPLE

For many people, health insurance is available at their place of employment, making it easy to obtain coverage without the need to do too much research. In this scenario, only a few insurance plans are offered, so you don't have a lot of choices.

IF YOU CAN'T GET

IF YOU CAN'T GET

If you can't get your health insurance through work, you should compare your options carefully. Look at the deductibles and co-pays as well as the monthly premium. You should also look at other factors such as the need to obtain referrals, coverage outside of your network, prescription costs, and whether or not your current physicians are participating members of the health insurance network you are considering.

MISCELLANEOUS INSURANCE POLICIES


TODAY the number of insurance policies being offered are so numerous that it becomes difficult to know exactly what type of coverage you should be buying. A wide variety of superfluous policies are available, including disease insurance, flight insurance, wedding insurance, accidental death insurance, and mortgage life insurance.