Life can be unpredictable and even though we can’t anticipate unpredictable events in our lives, we can protect our lives and those we love with insurance. Insurance offers some measure of protection should something unforeseen happen. There are many different types of insurance that most of us need such as life insurance.
One of the most important reasons in having life insurance is to provide for those who are left behind. This is vital; especially if you have a family who depends on your salary to pay the bills and to live a decent life. Some insurance experts agree that a life insurance policy should cover ten times a person’s yearly income. Our experience with the insurance Brooklyn agency has been incredibly positive due to the fact that they have the lowest rates and when we needed them they paid up right away. A life insurance policy provides enough money to cover funeral expenses, existing expenses and give your family a cushion of money that would help them survive once you are gone. Other expenses that life insurance would cover are credit cards and taxes, loans and child care.
There are two types of life insurance; traditional whole life and term life. Whole life is insurance that you make payments on until you die; while term life is insurance that is for a certain amount of time. Another kind of insurance that everyone needs is health insurance. Before signing up for health insurance it is important to shop around. Some choose their employer’s insurance program, while others choose health insurance from a company like AARP. In any case, it is important to shop around and seek help from your friends and family, co-workers or a health insurance agent before buying life insurance.
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Another kind of insurance that is important to have is long-term disability insurance. Of course, health insurance will help, as well as building up a nice nest egg; however, health insurance and extra funds may not be enough if you lose your job and are unable to go back to work. A major medical condition such as cancer can quickly drain away your savings! To be clear, many employers offer short-term and long-term disability coverage. However, if your employer doesn’t, then seek out a private insurer.
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Another kind of insurance most people need is auto insurance. Even though most states require drivers to have auto insurance, most do have requirements regarding financial responsibility should an accident occur. If you are not covered by auto insurance and you are randomly checked for proof of insurance and can’t show it, your license could be suspended and you could be fined up to $1,000.
Driving without car Insurance
In addition, if you drive without car insurance and have an accident, you could be saddled with a substantial financial burden and you may not have the finances to purchase another car. Or, if you, a passenger in your car or the driver in another car are injured in an accident, your car insurance will take care of these expenses and protect you from any legal problems that may occur from the accident. Some may not know it, but car insurance will also protect your car against vandalism, theft or a natural disaster such as a tornado or hurricane. As with any insurance, your particular needs will determine how much your car insurance will cost. To find the right car insurance, read several rate quotes, read the coverage that is provided carefully and check to see if you qualify for lower rates that are based on one’s driving record, location or age.
Keep in mind; there are many reasons and benefits to have the aforementioned insurance types such as: protecting the ones you love, having the necessary funds to pay for a funeral and other expenses, protect your loved ones from incurring unwanted financial responsibilities, giving you peace of mind and offering protection from financial loss.
To conclude, there are several necessary and important types of insurance everyone needs. Find out which policies you need, talk with a reputable insurance agent and then purchase insurance policies that will best fit your needs!
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