Whole Life Insurance
A life insurance policy (also known as straight life, ordinary life and traditional permanent insurance) which has guaranteed premiums and guaranteed death benefits payable to a beneficiary at the time of the death of the insured, and a minimum interest rate which will be credited to the funds accumulated in the policy. One type of whole life insurance is variable life insurance, in which the death benefit and cash value benefits vary in relation to the value of the investments underlying the policy. Another type of whole life insurance is universal life insurance, which allows the policy owner to vary the amount and timing of premium payments and the death benefit. Standard life insurance is for those who fulfill the physical, occupational, and other requirements on which most of the company�s policies are issued. Someone whose requirements are more favorable may be eligible for a "Preferred Risk." When the applicant's characteristics are less favorable, they may be characterized as "Rated" or refused coverage altogether.
Term Life Insurance
Life insurance issued for a stated temporary period of time. These policies provide benefits in the event of death, but they generate no cash value. If you have a limited amount to spend, and only need insurance for a finite period of time, you may be able to get more coverage by buying term insurance than by buying cash value insurance. Standard life insurance is for those who fulfill the physical, occupational, and other requirements on which most of the company�s policies are issued. Someone whose requirements are more favorable may be eligible for a "Preferred Risk." When the applicant's characteristics are less favorable, they may be characterized as "Rated" or refused coverage altogether.
Health Insurance
An insurance policy that will pay specifies sums for medical expenses or treatments. Health policies can offer many options and vary in their approaches to coverage.
Disability Insurance
Disability Insurance provides a preset income to an insured person who is unable to work due to injury or illness income payments to an insured wage earner when income is interrupted or terminated because of illness, sickness, or accident.
Group Health Insurance
A medical insurance plan by which employees and their dependents or other homogeneous group, are insured under a single policy, issued to their employer or group with individual certificates given to each insured individual or family unit.
Burial Insurance
Burial insurance is insurance whose terms specifically provide that the proceeds can be used only to pay the burial expenses of the insured.
Homeowners Insurance
Homeowners insurance is a package policy consisting of different types of coverage for the house, its contents, additional living expenses, personal liability claims against the policyholder and other members of the household, and medical payments to others. Insurance policies are also available for Condos and Townhomes.
Car Insurance
An insurance policy that covers incidents involving your car. The most common coverages are basic liability coverage that pays other people's expenses for accidents caused by drivers covered under your policy; and collision and comprehensive coverage which covers the cost of repairing or replacing your car after an accident, cost of replacing or repairing your car if it is stolen or damaged by fire, vandalism, hail, or another cause other than collision.
Business Insurance
Business insurance protects the contents of your business against fire, theft and other losses. It is prudent for any business to purchase a number of basic types of insurance. Some types of coverage are required by law, other simply make good business sense.
Home Improvement Loans
Home improvement loans are used to make improvements on houses, condominiums, farms, and mobile or manufactured homes located on land owned by the loan holder.
Long Term Care Insurance (LTC)
Long-term Care Insurance pays for nursing home, home health or adult day care when people need help with "activities of daily living," such as bathing, dressing and walking, or have a "cognitive impairment" such as Alzheimer's disease. Medicare and Medicare supplement insurance policies generally don't pay for such services. A Long Term Care (ltc) policies pay a specific dollar amount for each day you spend in a nursing facility or for each home health or home care visit. Some of these policies pay the daily benefit amount regardless of the charges, others will pay covered charges, or a percentage of covered charges up to the daily benefit amount. Long Term Care insurance should definitely be considered, since at age 65, about 33% of men and 52% of women will spend some time in a nursing home.
Other Insurance / Dental Plans
Motorcycle, ATV, Boat, Watercraft, RV, Flood, Mortgage Protection, Smokers & Tobacco Users, Fixed Annuities, Travel, Renters Insurance, Dental Plans and more.
