Motor Vehicle

• Auto Insurance
  For many of us, our first exposure to the concept of insurance came when we got our driver’s license and learned we needed insurance in order to drive. Many of us learned a dual lesson in responsibility when our parents made us pay for it! Relatively speaking, car insurance is straightforward: we pay our premiums and if something happens that is covered under the policy, the insurance company pays for it after we pay the deductible. If we have a moving violation or an accident, our premium rates may go up.

Property

• Home Insurance
  Income Replacement - When the dust settles after the funeral, life must go on for the rest of the family, who now have to make their way not only without your presence, but without your income. All the bills you used to pay may now fall on your loved ones: utilities, vehicle maintenance and repair, home insurance, car insurance, medical and dental bills, the kids’ sports activities, school trips — all the little things that make up family life.

Health and Life

• Life Insurance
  Many people think life insurance is way more complicated than it actually is, but life insurance is really nothing more than a contract between you, the buyer (aka the insured), and an insurance company. If you qualify, you apply for the coverage, and if the policy is issued, you pay your premiums according to the terms of your policy. Assuming the benefit is payable, upon your death, the insurance company pays the agreed upon amount (death benefit) to the person you chose as your beneficiary. Depending on the type of policy you buy, it may have added features; for example, some policies accrue cash value that can be borrowed against. When it comes right down to it, the basic concept of life insurance is pretty simple: Life insurance exists as a way to help protect our loved ones from the financial devastation that can occur upon the death of an income earner. It can also be considered an important part of a long-term financial plan.
• Health Insurance
  2 Health insurance (aka major medical) can help protect you from high costs like this. Most health insurance will cover a certain portion of a hospital stay, but you could still be responsible for the costs your health insurance coverage doesn’t cover. These costs could be significant, especially in the event of an extended hospital stay or one involving specialized treatment.
• Disability Insurance
  Critical illness insurance and income protection through disability insurance are two options for some extra financial protection in the event of a critical illness. Each type of insurance offers different coverage, but both can be valuable in the event of a major health issue. [...]
• Long Term Care
  The need for long-term care is increasing. People are living longer, and health care costs are rising.

Business

• Workers Compensation Insurance
  For example, we must allow the U.S. Department of Health and Human Services to audit our records. We may also disclose your medical information as authorized by and to the extent necessary to comply with workers' compensation or other similar laws.

Personal

• Annuities
  LCT rider policies yield greater benefits per dollar compared to an annuity LTC hybrid insurance policy. Because annuities are based on the financial investment market, and fluctuations may affect the annuity at the time of the benefit payout.